Dear Valued Members,
We are currently experiencing intermittent access to all digital services including Poro Cards. Our Team is working to restore all services as quickly as possible.
For urgent assistance, please contact our Call Centre Team on 207 2000 or email callcentre@ncsl.com.pg.
We apologize for the inconvenience and thank you for your patience.
Thank you for being a valued member!
As the year draws to a close, financial pressures often increase as individuals and families prepare
celebrations to welcome the New Year. Financially, it can be a real challenge, and this is where
people find themselves needing extra money and most times it’s usually at the very last minute.
NCSL Savings & Loan makes it easier to help our members meet these needs offering the 1:1
secured Personal Loan option.
This convenient loan product allows members to borrow up to the value of their savings, starting
from just K200 and at a competitive 14% annual interest rate. With no paperwork, no queues and
instant approval funds are deposited directly into the member’s Poro Account so you can access
money exactly when you need it.
Members have praised the convenience of the service as shared:
“I’ve been with NCSL for 22 years. Whenever I needed extra money or urgent expenses and
didn’t want to touch my savings, the 1:1 loan was there. It was approved instantly, and the
funds were in my Poro Account within minutes.”
— Yana G., NCSL Member
Applying is simple. Members can log in to MyNCSL Member Online or dial 628# on their mobile
phone. Once submitted, applications are processed immediately, giving members quick access to
funds when they need them most.
Why Members Love the 1:1 Loan
• Borrow up to the value of your savings
• Competitive interest rate of 14% per year
• Apply digitally, no paperwork
• Instant approval
• Funds deposited straight into your Poro Account
• Apply anytime, anywhere. No branch visits required
NCSL Savings and Loan was at the Atlas Steel PNG – Baruni during its Open House Day showcasing our financial solutions to interested home-owners on Saturday, December 6, 2025.
NCSL’s dedicated Business Relations Team was on-site to share detailed information about its savings and loan products, focusing on its flexible personal lending products that help members finance home
purchases even without a dedicated home loan product. Through higher ratio loans such as 1:2 and 1:5, members can maximize their savings to access funding for major expenses, including housing.
Several non-member visitors also ended up registering their membership to NCSL via the Wokabaut Tablet and MyNCSL member online. These new members received their membership numbers and had their accounts opened instantly marking the beginning of their financial journey with NCSL.
Among NCSL were other corporate entities like the National Superannuation Fund, National Banking
Corporation Ltd, Bank South Pacific Ltd, Nambawan Supa Ltd and few others.
The festive season is here, and managing your money should be the least of your worries. That’s why NCSL Savings & Loan has the Poro Card, your everyday debit card linked to your Poro Account, giving you the convenience to shop, pay, withdraw, and even access loans instantly.
With your Poro Card, you can:
• Pay at EFTPOS terminals nationwide
• Shop in-store without carrying cash
• Withdraw funds at ATMs whenever you need
• Get instant access to loans credited straight to your Poro Account
How It Works
Transfer funds from your NCSL Savings Account into your Poro Account using MyNCSL or USSD (*628#).
Swipe or insert your card at EFTPOS machines or ATMs across PNG. And if you need extra cash, apply for
a 1:1 Loan—it’s instant approval, and funds are credited straight to your Poro Account. No waiting, no
hassle.
Apply Today
Scan the QR code on the flyer, visit www.ncsl.com.pg, or call 207 2000 for assistance.
Make your money work for you—get your Poro Card now and enjoy the freedom to shop, pay,
withdraw, and borrow with ease.
Joining NCSL Savings and Loan isn’t just about opening a savings account—it’s about becoming
part of something bigger. As a member, you become a shareholder, giving you the right to
access some of the best financial services available in Papua New Guinea.
Enjoy easy and convenient access to savings and loan products with competitive rates through
any of our 20 branches nationwide, online via our website, or directly from your mobile
phone—anytime, anywhere.
We are continuously working to enhance our services and provide informative presentations to
help you choose the products that best suit the needs of you and your family.
Over the 22 years, we have assisted countless members meeting everyday needs to achieving
goals.
Here we featured some of the testimonials from our members.
Mary – Catholic Bishop Conference PNG & Solomon Islands
“I have been a member with NCSL for 13 years and my savings with NCSL especially General and
Education savings has enabled me to pay for my children’s school fees over the years”
Caroline – Airways Hotel
“Through the support of the payroll team of my employer, I have been contributing to my
savings account as a NCSL member for 8 years. I have been using my interest earned savings to
fund my holidays trips back to my home village during the festive period.”
Wayne – ExxonMobil
“Through NCSL’s 1:5 loan product—which allows members to borrow up to five times the value
of their savings—I was able to purchase a Toyota Harrier SUV in July 2022 and pay nearly
K12,000 in school fees for my son. These achievements have significantly supported both my
personal and family needs.”
Esther – WaterPNG
“My savings with NCSL has been my lifeline assisting me with my medical bills. I have been a
member with NCSL for 6 years now.”
Edith – Aviat Club
“I am a member with NCSL since 2007. My savings have grown over the years and I have used to
attend to customary obligations, family needs and build myself a house.”
Thanks to our members
It is because of our members that we have grown, evolved and innovated achieving
transformative milestones. As we reflect on our 22-year journey, we are humbled by the
milestones we’ve achieved as each one is a testament to the trust and growth shared with our
members;
• 2005: Introduced Discount Program for Members
• 2010: SaveBal Service launched
• 2016: Biometric Identification System Introduced
• 2017: NCSL Constitution amended to open membership to open to non-Nasfund members (public)
• 2015: Online Services introduced
• 2019: Poro Card & EFTPoS introduced. First non-bank financial institution to participate in retail electronic payment system
• 2020: Introduction of Higher ratio Loans. NCSL rebrands with facelift of new logo.
• Introduction of Higher Ratio loan.
• 2022: Rolled out Wokabaut Tablets to register new members instantly at employer sites
• 2023: New Call Centre Established at NCSL Head Office
• 2024: Implemented a new system. Introduced enhanced version of MyNCSL Member Online and YourNCSL Employer Online
Over time, NCSL has become more than a financial institution. It became a partner in progress, a
source of stability, and a symbol of empowerment through financial literacy training, focussing
on creating a savings culture and responsible lending. Members feel noticed, supported, and
valued. Not just for what they save, but for who they are and what they aspire to achieve within
their respective families, clan, tribe and modern-day community
In celebrating 22 years, NCSL isn’t just marking time, it’s honouring any of the 160 000 of life
journeys we have helped shape. And for every member, our journey together continues.
“NCSL exists because of our members — they are the foundation of everything we do. Our
purpose is to serve them with integrity, innovation, and care, ensuring their financial wellbeing
remains at the heart of every decision we make.” Said CEO Frans Kootte.
From humble beginnings NCSL’s history is a living testament of our journey with our loyal
contributors.
