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Retail BankingDeposit Accounts


Al-Khair Account

A contract between the customer and the Bank, by which the latter is authorized to invest the full amount of the deposit while receiving an expected and agreed upon ratio from the profit.

Features:
  • Profit Payment at maturity of the investment deposit
  • Investment expected profit is agreed upon and is made on the basis of Wakala investment contract
  • No Minimum Balance charges
Benefits:
  • Profit is calculated on the same day of opening the deposit in KD, and after one business day for the foreign currency deposit
  • Option to get financing against a block on your deposit
  • Free Online Banking Service
Requirements:
  • Valid Civil ID
  • FATCA
  • KYC (Know your Customer)
  • AML(Anti Money Laundry)
  • W8/W9 (FOR Americans)
  • Public exposed Person (PEP)
Q & A:
  • What is the minimum opening balance?
  • The minimum balance for opening an account is 3,000 KD
  • Can I add or draw money during the investment period?
  • No
  • Can I draw my money before profit distribution?
  • Yes

To know more about our fees and commision, click here

For terms and conditions, click here


Bashayer Al-Duha Account

A contract between the customer and the bank, by which the latter is authorized to invest a certain amount of the deposit on the basis of Mudaraba while receiving a ratio from the profit.

Features:
  • Flexible deposit terms: 1, 3 or 6 months for local currency
  • Flexible deposit terms: 3, 6 or 9 months for foreign currency
  • Investment is made on the basis of Mudaraba contract
  • Profit payout options: post the end of each quarter (March, June, September, December), following the maturity date of the investment deposit
Benefits:
  • Profit is calculated on the same day of opening the deposit in KD, and after one business day for the foreign currency deposit
  • Option to get financing against a block on your deposit
  • Investment is made on the basis of Mudaraba contract
  • Free Online Banking Service
Requirements:
  • Valid Civil ID
  • FATCA
  • KYC (Know your Customer)
  • AML(Anti Money Laundry)
  • W8/W9 (FOR Americans)
  • Public exposed Person (PEP)
Q & A:
  • What is the profit rate?
  • We can’t estimate the rate until end of fiscal term
  • Are there any fee for breaking a deposit ?
  • No

To know more about our fees and commision, click here

For terms and conditions, click here


Bashayer Al-Yousr Accounts

A contract between the customer and the bank, by which the latter is authorized to invest a certain amount of the deposit on the basis of Mudaraba while receiving a ratio from the profit.

Features:
  • 1,000 KD with yearly cash payout
  • 10,000 KD with monthly partial cash advances payout option
  • $ 10,000 or its equivalent in all major foreign currencies with yearly profit payout option
  • Monthly Profit cash advances of 80% of the announced profit of the previous quarter, to be deposited into the customer’s account every month, where payments start after one full month of opening the deposit Flexible deposit terms: 3, 6 or 9 months for foreign currency
  • Term Deposit: One year
  • Yearly Profit payout options: post the end of each quarter (March, June, September, December), following the maturity date of the investment deposit
Benefits:
  • Profit is calculated on the same day of opening the deposit.
  • Option to get financing against a block on your deposit
  • Investment is made on the basis of Mudaraba contract
  • Free Online Banking Service
Requirements:
  • Valid Civil ID
  • FATCA
  • KYC (Know your Customer)
  • AML(Anti Money Laundry)
  • W8/W9 (FOR Americans)
  • Public exposed Person (PEP)
Q & A:
  • What is the profit rate?
  • We can’t estimate the rate until end of fiscal term
  • Is there an ATM card for deposit accounts?
  • No

To know more about our fees and commision, click here

For terms and conditions, click here