Frequently asked questions

Most people start with the Current Account for everyday spending. If you have no regular income yet, the Basic Account has no minimum balance and no monthly fee.

A valid national ID, or a passport with a residence permit, plus proof of address. Salary customers also provide a salary certificate.

JOD 100. The monthly fee is JOD 2 and is waived when your average balance stays above JOD 500.

No. For interest choose a savings account or a term deposit. For profit sharing choose the Mudaraba Savings Account.

Four free withdrawals a month. Each extra withdrawal costs JOD 0.50.

Salaries of JOD 400 or more unlock an overdraft of up to 2 × your monthly salary at 11.50% p.a., fee waivers and campaign welcome cash of up to JOD 300.

Yes. Joint accounts can be opened at any branch with both holders present.

Yes. The Foreign Currency Account holds USD, EUR, GBP and AED. It needs USD 500 or equivalent to open and costs USD 3 a month, waived above USD 2,000.

The Regular Savings Account pays 3.25% p.a., credited quarterly. You can open it with JOD 50.

It pays a tiered rate: 4.10% p.a. from JOD 5,000, 4.60% p.a. from JOD 25,000 and 5.05% p.a. from JOD 100,000. One free withdrawal a month is included.

Yes. Little Lanterns Youth Savings is for children aged 0 to 17, opens with JOD 10 and pays 4.00% p.a.

Little Lanterns accounts receive JOD 10 on each birthday until age 12 when the balance is at least JOD 100.

Customers aged 60 or over. It pays 4.25% p.a. (3.25% base plus a 1.00% bonus), with interest paid monthly.

For JOD 1,000 to 49,999: 3.50% p.a. for 1 month, 4.25% for 3 months, 4.75% for 6 months and 5.25% for 12 months. Deposits of JOD 50,000+ earn 0.25% more.

Yes, but the rate for the elapsed period is reduced by 1.00%.

Up to 5 goal pockets, 3.75% p.a. interest and free basic health cover up to JOD 2,000 when your balance is JOD 1,000 or more.

Interest is a fixed return on money lent. Profit in Islamic banking comes from real investment or trade and is shared, so it is expected but not guaranteed.

You provide the capital and the bank manages it as Mudarib. Profit is shared 70% to you and 30% to the bank, distributed quarterly. The current expected profit rate is 3.40%.

No. 3.40% is an expected rate based on past performance. In a loss, capital may be reduced in line with Sharia principles.

The bank invests your money as your agent. Expected profit is 4.20% for 3 months, 4.70% for 6 months and 5.20% for 12 months, from JOD 5,000.

Any profit above the expected rate is kept by the bank as its agency fee.

The bank buys the item you need and sells it to you at a disclosed profit of 5.95% p.a. flat, payable over up to 6 years.

Late payment amounts are donated to charity and never become income for the bank.

The bank owns the home and leases it to you at a rental rate of 6.40% p.a. At the end, ownership is transferred to you by gift or token sale.

No. It has a fixed monthly fee (Ujrah) of JOD 4 and no interest.

JOD 1,000 to JOD 50,000 over up to 7 years, from 7.99% p.a. on a reducing balance, with a minimum salary of JOD 350.

Yes, 1% of the loan amount with a maximum of JOD 250.

Yes. Early settlement costs 1% of the outstanding balance.

Up to 90% of the price, up to JOD 80,000, from 4.49% p.a. flat (8.25% APR) over up to 7 years.

Yes, up to 80% for cars up to 7 years old at application and no older than 10 years at the end of the loan, from 5.25% p.a. flat (9.60% APR).

Fixed for 3 years at 6.25% p.a., fixed for 5 years at 6.75% p.a., or variable at base rate + 2.00% (currently 7.50% p.a.), over up to 25 years.

We finance up to 85% for a first home and up to 70% for a second home.

Yes. The Education Loan allows interest-only payments for up to 4 years of study, at 6.50% p.a., up to JOD 40,000.

It combines card and loan balances into one payment at 8.49% p.a. Example: three cards at 24% APR plus one loan could save about JOD 180 a month.

The loan calculator page estimates monthly instalments. It needs JavaScript to show results.

The Classic Credit Card: JOD 25 a year, a JOD 500 to 2,000 limit and a minimum salary of JOD 300. Students aged 18 to 26 can choose the free Student Credit Card.

The first year is free. After that the annual fee is JOD 60.

8 free lounge visits a year, a limit of up to JOD 25,000 and 0% instalments for 12 months at partner stores. The annual fee is JOD 150.

You earn 2 miles per JOD 1 spent abroad and 1 mile per JOD 1 at home, with no foreign transaction fee.

The Cashback Credit Card pays 5% on groceries, 3% on fuel, 2% online and 0.5% on other spending, capped at JOD 40 a month.

Up to 50 days when you pay the full statement balance by the due date.

Yes, for JOD 0.50 per withdrawal. Our own ATMs are free.

JOD 1,500 in cash withdrawals and JOD 5,000 in purchases per day.

Up to 8. Issuance costs JOD 5, loading is free and ATM withdrawals abroad cost USD 2.

Freeze it straight away in the app, then order a replacement.

Local instant transfers arrive in seconds, 24 hours a day.

JOD 0.25 at a branch and free in the app.

More than 60 countries.

JOD 15 at a branch or JOD 7 in the app. Correspondent bank charges may also apply.

Usually 1 to 3 working days, depending on the country and currency.

Yes, create a standing order in the app for weekly or monthly payments.

The recipient's full name, account number, bank name and the purpose of the transfer.

Check balances, move money, pay bills, freeze cards, open savings goals, book term deposits and send secure messages.

Yes. There is no charge to use the app.

Use the reset option on the start screen and verify with your ID. Never share a one-time code with anyone.

Named pockets with a target and a date. Round-ups from card spending can move spare change into them.

Yes, from JOD 1,000, for 1, 3, 6 or 12 months.

Yes, if your phone supports it.

Yes, with an internet connection. Card controls let you turn international payments on and off.

Open Help in the app and choose secure message. Replies arrive within one working day.

Never. No bank employee, message or website should ever ask for your PIN, passcode or full card number.

A short code sent to confirm a payment or login. Never share it, not even with someone who says they work at the bank.

Watch for urgency, spelling errors, unknown links and requests for codes or passwords.

Freeze your cards in the app and contact the bank immediately through the app's secure message.

It is safer to use mobile data or a trusted network, and to keep your app updated.

Use a screen lock, update the operating system, and only install apps from official stores.

Online payments normally need a one-time code. Report any payment you do not recognise.

See the Security tips page in Help.

A minimum balance of JOD 500 and company registration documents. The monthly fee is JOD 10, waived above JOD 10,000.

Lines from JOD 20,000 to JOD 1,000,000 at base rate + 3.00%, currently 8.50% p.a.

Yes, advances of up to 80% of approved invoices.

Issuance costs 0.25% per quarter, with a minimum of JOD 50.

1.5% per year, with a minimum of JOD 75.

1.5% on local cards and 2.5% on international cards. Terminal rental is JOD 8 a month, free above JOD 10,000 monthly sales.

Settlement is on the next business day.

Upload one salary file each month. It costs JOD 0.50 per employee per month, and payroll cards cost JOD 2 each.

On the Rates and fees page and in the downloadable Schedule of Charges PDF.

JOD 5 for 25 leaves.

JOD 10 if you close it within 6 months of opening. After that, closing is free.

JOD 5.

An annual management fee between 1.25% and 1.75%, depending on the fund.

0.20% on regional shares (minimum JOD 5) and USD 4.95 per US trade. Custody is free below JOD 10,000.

A 1.5% spread between buying and selling prices. Physical delivery from 5 g has an extra fee.

No. Lanternvale Bank is fictional. This website was made only for software testing.

No. Nothing can be opened or applied for. Every button leads to a notice page.

No. It has no forms, no login and no tracking.

No. They are fictional placeholders and are not in service.

Do not share anything. This bank does not exist and offers no financial services.