Rates and fees
Current interest rates, expected profit rates, card fees and service charges for personal and business customers. Last reviewed 1 September 2026.
All figures on this page are fictional examples made for software testing. Lanternvale Bank is not a bank.
Rates are shown per year unless stated otherwise. Conventional products pay or charge interest. Islamic products are shown separately: they pay an expected profit that is shared, not guaranteed, and never interest.
The full schedule of charges, covering every fee in one document, is available as a downloadable PDF below. If this page and the PDF ever differ, the more recent date applies.
Savings accounts: interest (conventional)
| Account | Minimum to open | Interest rate | Interest paid |
|---|---|---|---|
| Regular Savings Account | JOD 50 | 3.25% p.a. | Quarterly |
| High-Yield Savings: JOD 5,000 – 24,999 | JOD 5,000 | 4.10% p.a. | Monthly |
| High-Yield Savings: JOD 25,000 – 99,999 | JOD 5,000 | 4.60% p.a. | Monthly |
| High-Yield Savings: JOD 100,000+ | JOD 5,000 | 5.05% p.a. | Monthly |
| Little Lanterns Youth Savings (age 0–17) | JOD 10 | 4.00% p.a. | Quarterly |
| Noor Women's Savings Account | JOD 100 | 3.75% p.a. | Quarterly |
| Golden Years Senior Savings (60+) | JOD 250 | 4.25% p.a. (3.25% base + 1.00% bonus) | Monthly |
| Foreign Currency Account: USD savings | USD 500 or equivalent | 1.50% p.a. | Quarterly |
Current Account and Basic Account pay no interest.
Term deposits: interest (conventional)
| Term | JOD 1,000 – 49,999 | JOD 50,000+ |
|---|---|---|
| 1 month | 3.50 % | 3.75 % |
| 3 months | 4.25 % | 4.50 % |
| 6 months | 4.75 % | 5.00 % |
| 12 months | 5.25 % | 5.50 % |
Minimum deposit JOD 1,000. Rates are fixed for the term. Breaking a deposit early reduces the rate by 1.00% for the period already elapsed.
Islamic accounts: expected profit (not interest)
| Product | Minimum | Term | Expected profit rate | How profit works |
|---|---|---|---|---|
| Mudaraba Savings Account | JOD 100 | Open-ended | 3.40% (expected, not guaranteed) | Profit shared 70% customer : 30% bank as Mudarib; distributed quarterly |
| Wakala Investment Deposit | JOD 5,000 | 3 months | 4.20% (expected) | Bank invests as your agent; profit above the expected rate is the bank's agency fee |
| Wakala Investment Deposit | JOD 5,000 | 6 months | 4.70% (expected) | As above |
| Wakala Investment Deposit | JOD 5,000 | 12 months | 5.20% (expected) | As above |
| Sukuk (investment) | JOD 5,000 | 3 and 5 years | 5.10% expected annual profit distribution | Distributions depend on the underlying assets |
Expected profit is an estimate based on past performance of the investment pool. In a loss, capital may be reduced in line with Sharia principles.
Loans and finance
| Product | Amount or financing | Rate | Maximum term | Main fee |
|---|---|---|---|---|
| Personal Loan | JOD 1,000 – 50,000 | from 7.99% p.a. (reducing) | 7 years | Admin fee 1% (max JOD 250) |
| New Car Loan | up to 90%, max JOD 80,000 | from 4.49% p.a. flat (8.25% APR) | 7 years | Admin fee JOD 150 |
| Used Car Loan | up to 80% | from 5.25% p.a. flat (9.60% APR) | 5 years | Admin fee JOD 150 |
| Home Finance: fixed 3 years then variable | up to 85% first home / 70% second home | 6.25% p.a. | 25 years | Arrangement 0.5% (max JOD 1,000) |
| Home Finance: fixed 5 years then variable | up to 85% first home / 70% second home | 6.75% p.a. | 25 years | Arrangement 0.5% (max JOD 1,000) |
| Home Finance: variable | up to 85% first home / 70% second home | base rate + 2.00% (currently 7.50% p.a.) | 25 years | Valuation JOD 200 |
| Education Loan | up to JOD 40,000 | 6.50% p.a. | 10 years including grace | Interest-only during study (up to 4 years) |
| Debt Consolidation Loan | up to JOD 75,000 | 8.49% p.a. | 8 years | Admin fee 1% (max JOD 250) |
| Salary account overdraft | up to 2 × monthly salary | 11.50% p.a. | Renewed yearly | None |
Final rate depends on income, credit history and employer. APR examples are illustrative.
| Product | Financing | Profit or rental rate | Maximum term | Note |
|---|---|---|---|---|
| Murabaha Finance | JOD 2,000 – 60,000 | 5.95% p.a. flat profit, disclosed upfront | 6 years | Late payment amounts go to charity, not bank income |
| Ijara Home Finance | up to 80% | 6.40% p.a. rental rate (reviewed annually, capped) | 25 years | Ownership transferred at the end by gift or token sale |
Islamic finance is structured as sale or lease, not as a loan with interest.
Card fees and rates
| Card | Annual fee | Minimum salary | Credit limit | Monthly rate |
|---|---|---|---|---|
| Classic Credit Card | JOD 25 | JOD 300 | JOD 500 – 2,000 | 2.25% |
| Gold Credit Card | JOD 60 (first year free) | JOD 800 | up to JOD 7,500 | 2.10% |
| Platinum Credit Card | JOD 150 | JOD 2,000 | up to JOD 25,000 | 1.95% |
| Voyager Travel Credit Card | JOD 120 | JOD 1,500 | Based on income | Foreign transaction fee 0% |
| Cashback Credit Card | JOD 45 | JOD 600 | Based on income | Cashback cap JOD 40 per month |
| Student Credit Card | Free | Enrolled student aged 18–26 | JOD 150 – 500 | 2.00% |
| Tayseer Islamic Card | JOD 4 per month fixed (Ujrah) | JOD 500 | up to JOD 10,000 | No interest |
| Debit Card | Free with current account | None | Daily JOD 1,500 cash / JOD 5,000 purchases | Other banks' ATMs JOD 0.50 |
| Prepaid Multi-Currency Travel Card | Issuance JOD 5 | None | Up to 8 currencies loaded | ATM abroad USD 2; loading free |
Monthly rate applies to unpaid balances after the interest-free period (up to 50 days on the Classic card).
Account fees
| Service | Fee |
|---|---|
| Current Account monthly fee | JOD 2 (waived above JOD 500 average balance) |
| Minimum opening balance, Current Account | JOD 100 |
| Basic Account monthly fee | JOD 0 |
| Basic Account withdrawals | 4 free per month, then JOD 0.50 each |
| Cheque book (25 leaves) | JOD 5 |
| Foreign Currency Account monthly fee | USD 3 (waived above USD 2,000) |
| Replacement debit card | JOD 5 |
| Account closure within 6 months | JOD 10 |
Transfers
| Transfer | Branch | Mobile app |
|---|---|---|
| Local instant transfer | JOD 0.25 | Free |
| International transfer (60+ countries) | JOD 15 | JOD 7 |
Correspondent bank charges and exchange rate margins may apply to international transfers.
Investments and insurance
| Service | Charge |
|---|---|
| Mutual funds annual management fee | 1.25% – 1.75% |
| Mutual funds minimum | JOD 500 or JOD 50 monthly plan |
| Brokerage: regional shares | 0.20% (min JOD 5) |
| Brokerage: US shares | USD 4.95 per trade |
| Brokerage custody | Free for balances under JOD 10,000 |
| Gold Savings Account buy/sell spread | 1.5% |
| Life cover | from JOD 4 per month |
| Home insurance | from JOD 45 per year |
| Travel insurance | from JOD 12 per trip |
| Credit protection | 0.35% of balance per month |
Investments can fall as well as rise. Past returns do not predict future returns.
Business banking
| Service | Charge |
|---|---|
| Business account minimum opening balance | JOD 500 |
| Business account monthly fee | JOD 10 (waived above JOD 10,000) |
| Working capital line | JOD 20,000 – 1,000,000 at base rate + 3.00% (currently 8.50% p.a.) |
| Invoice finance advance | up to 80% of invoice |
| Letter of credit issuance | 0.25% per quarter (min JOD 50) |
| Bank guarantee | 1.5% per year (min JOD 75) |
| Documentary collection | 0.15% (min JOD 25) |
| POS merchant discount rate | 1.5% local cards / 2.5% international cards |
| POS terminal rental | JOD 8 per month (free above JOD 10,000 monthly sales) |
| POS settlement | Next business day |
| Payroll service | JOD 0.50 per employee per month |
| Payroll card | JOD 2 per card |
Download the schedule of charges
Download the complete Schedule of Charges as a PDF document. It lists every account, card, loan, transfer, investment and business fee on this page in one printable file.
Rates and fees would be subject to local banking regulation and may change. This is a fictional website: nothing on it is an offer.