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Applicable Consumers’ fees and charges and lending rates
|
Accounts |
|
|
Minimum Balance fees (Current or Savings Accounts) |
Salary Accounts: Without fees |
|
Hold Mail fees |
JD 5 per month |
|
Dormant Account fees |
JD 2 per month “Despite the account Balance” |
|
Mail Charges for Paper Account Statement |
JD 1 per statement |
|
Account Statement request (second copy) |
JD 0.25 per page for documents ages’ less than one year |
|
Special request over standard statement frequency |
JD 0.25 per page |
|
Duplicate documents / cheques |
JD 1 per document for documents ages’ less than 6 months |
|
Cheques |
|
|
Cheque Book issuance |
10 papers: JD 2.5 |
|
Cheque clearance (out of Electronic Cheque Clearance) |
Local: JD 5 |
|
Post dated cheque held for collection |
JD 1 per cheque |
|
Stop payment of cheque as per customer request |
JD 10 per cheque |
|
Cheque settlement fees |
JD 10 per cheque |
|
Issuance of Bank draft (Jordanian Dinnar) |
JD 5 |
|
Returning cheque fees due to without/insufficient funds for the first time |
JD 20 per cheque |
|
Returning cheque fees due to without/insufficient funds whether for the first same cheque or any other cheque |
JD 40 per cheque |
|
Cards |
|
|
Credit Cards |
|
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Credit Cards issuance and renewal fees |
Visa Nashama: ـJD 15 |
|
Credit Cards issuance and renewal fees |
Visa Nashama / Visa Together:JD 8 |
| Cross border/Foreign Exchange commission | 3% |
|
Cash advance fees |
4% (Minimum JD 4) |
|
Fund transfer through Arabi online |
4% |
|
Late payment fees |
JD 15 for all cards |
|
Internet Shopping Card issuance |
JD 10 per year |
|
Cards replacement (lost or damaged) |
JD 5 |
|
Courier Charges (Outside Jordan) |
JD 15 |
|
Over Limit fees |
JD 10 for all cards |
|
Dormant card fees (for Silver card only) |
JD 2 per month |
|
Mail Charges for Paper Account Statement |
JD 1 per statement |
|
Card fraud transaction objection fees |
JD 5 (refundable if fraud proven) |
|
Visa Debit Cards |
|
|
Cards replacement (lost or damaged) / Band-Pay (Contactless Payment bracelet) / Contactless Payment Mobile Sticker |
JD 5 |
|
Cash withdrawal – JONET switch |
JD 1 |
|
Balance enquiry – JONET switch |
JD 0.15 |
| Band-Pay (Contactless Payment bracelet) / Contactless Payment Mobile Sticker fees |
Free of fees |
|
Visa Debit card fees (for unsubscribed in banking programs customers &” Arabi Extra” program customers only) |
JD 0.5 per month |
|
Pin code replacement fees (lost) |
JD 1 |
|
Cross border/Foreign Exchange commission |
3% |
|
ATM Cash withdrawal outside Jordan using Arab Bank ATM in Palestine(Arabi Net) |
1 JD (for JOD Withdrawals) |
|
ATM Cash withdrawal outside Jordan using Arab Bank ATM (Arabi Net) |
3% (Min of 3 JD and Max of 30 JD) |
|
ATM Cash withdrawal outside Jordan from non-Arab Bank ATMs |
$ 2.75 + %0.5 + 4 % |
|
Card fraud transaction objection fees |
JD 5 (refundable if fraud proven) |
|
Loans |
|
|
Mortgage (housing) Loans |
|
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Loan processing fees |
1% of loan amount for the first year (no min amount) |
|
Top-up Loan Processing fees |
1% of top-up amount (no min amount) |
|
Loan installment postponement fees |
JD 10 |
|
Amending finance conditionsfees |
JD 5 |
|
Late payment fees |
JD 3 for installments with amount less than JD 70 |
|
Account Statement request (second copy) |
JD 0.25 per page for documents ages’ less than one year |
|
Mortgage release fees |
JD 10 |
|
Early settlement fees |
No fees: if remaining tenure is one year or less |
|
Personal Loans |
|
|
Loan processing fees |
1% of loan amount for the first year (no min amount) |
|
Top-up Loan Processing fees |
1% of top-up amount (no min amount) |
|
Loan installment postponement fees |
JD 10 |
|
Amending finance conditionsfees |
JD 5 |
|
Late payment fees |
JD 3 for installments with amount less than JD 70 |
|
Account Statement request (second copy) |
JD 0.25 per page for documents ages’ less than one year |
|
Early settlement fees |
No fees: if remaining tenure is one year or less |
|
Auto Loans |
|
|
Loan processing fees |
1% of loan amount for the first year (no min amount) |
|
Loan installment postponement fees |
JD 10 |
|
Amending finance conditionsfees |
JD 5 |
|
Late payment fees |
JD 3 for installments with amount less than JD 70 |
|
Account Statement request (second copy) |
JD 0.25 per page for documents ages’ less than one year |
|
Mortgage release fees |
JD 10 |
|
Early settlement fees |
No fees: if remaining tenure is one year or less |
|
Remittances |
||
| Local Remittances sent or received | ||
| Outward Remittances RTGS | E-channels | Branch |
| Up to ACH Limit * | JD 5 or equivalent in other currencies | JD 8 or equivalent in other currencies |
| More than ACH Limit | JD 10 or equivalent in other currencies | JD 13 or equivalent in other currencies |
| Incoming Remittances RTGS | Remittance | |
| The amount is deducted regardless of the transfer total amount |
2 JOD or equivalent in other currencies |
|
| Returned Remittances from Local Bank RTGS |
Remittance | Salary |
| Max JD 2 | JD 1 | |
| Outward Remittances ACH | E-channels | Branch |
| Up to JD 1000 | JD 1 or equivalent in other currencies | JD 2 or equivalent in other currencies |
| From JD 1000 to JD 5000 | JD 2 or equivalent in other currencies | JD 3 or equivalent in other currencies |
| More than JD 5000 | JD 3 or equivalent in other currencies | JD 4 or equivalent in other currencies |
| Incoming Remittances ACH | Remittance | |
| Up to JD 1000 | JD 1 or equivalent in other currencies | |
| More than JD 1000 | JD 2 or equivalent in other currencies | |
| Returned Remittances ACH |
Returned Remittances ACH | Salary |
| JD 0.25 | JD 0.1 | |
| Remittances out of RTGS | Remittances | |
| JD 50 | ||
| Charges “Ours” |
Remittances | |
| 1 JOD or equivalent in other currencies up to JD 1000 | ||
| 2 JOD or equivalent in other currencies up for more than JD 1000 | ||
| ACH Limits : JOD 100,000 and 50,000 for other currencies | ||
| Outward Remittances fees (Outside Jordan) |
Up to 500 JOD or equivalent in other currencies | 6 JOD or equivalent in other currencies |
| From 500 JOD to 5000 JOD or equivalent in other currencies |
10 JOD or equivalent in other currencies |
|
| More than 5000 JOD or equivalent in other currencies |
0.25% from transfer amount up to maximum 70 JOD or equivalent in other currencies |
|
| Inward Remittances fees in foreign currencies | Up to 1000 JOD or equivalent in other currencies |
3 JOD or equivalent in other currencies |
| From 1000 JOD to 5000 JOD or equivalent in other currencies |
5 JOD or equivalent in other currencies |
|
| More than 5000 JOD or equivalent in other currencies |
7 JOD or equivalent in other currencies |
|
|
Issuance of Bank draft (Other Currencies) |
JD 10 for amounts less than JD 3000 |
|
|
Outward Remittances fees ( to Arab Bank Branches in Palestine ) |
Free For Retail Customers |
|
| Commission for bulk payment which are frequent with same purpose such as Salaries and dividends | Number of beneficiaries in the file ( from the company) | Commission amount per file |
| From 10 to 29 records | 10 JOD or what Equivalent in other currencies |
|
| From 30 to 1000 records |
20 JOD or what Equivalent in other currencies |
|
| From 1000 to 5000 records |
30 JOD or what Equivalent in other currencies |
|
| From 5001 to 10000 records |
40 JOD or what Equivalent in other currencies |
|
| From 10001 to 100000 records |
50 JOD or what Equivalent in other currencies |
|
| More than 100K |
60 JOD or what Equivalent in other currencies |
|
| Commission for bulk payment which are frequent with same purpose such as Salaries and dividends less than 10 records |
Records Amount |
Commission amount per file |
| From 1 JOD to 1000 JOD | 2 JOD or what Equivalent in other currencies |
|
| From 1001 JOD to 5000 records |
3 JOD or what Equivalent in other currencies |
|
| More than 5K |
4 JOD or what Equivalent in other currencies |
|
Certificates |
|
|
Certificate of Clearance (in case no liabilities) / Certificate of Bank’s Commissions and Interests / Liabilities Certificate / Partial Salary Transfer Letter |
JD 5 |
|
Balance Certificate / Banking Relationship Certificate - Balance Blocking Certificate / Certificate of Clearance (in case of available liabilities) / Capability of Spending Letter |
JD10 |
|
Certificate of Bank’s Commissions and Interests / Balance Certificate ( ordered through Hala Arabi Service or Arabi Online Banking ) |
JD3 |
|
Miscellaneous |
|
|
Signature Authentication |
JD 2 |
|
Fees of cash withdrawals at teller desk for amounts less than JD 1000 |
JD 0.5 for amounts equals or less than JD 300 |
|
Salary Transfer fees |
JD 1 for the first three salaries per month from the same party JD 1 for each additional salary after the above. |
|
Safe Box rental fees |
JD 75 to JD 200 |
|
Standing Order fees |
JD 1 per order |
| Foreign Exchange fees | 0.5% |
|
Foreign Exchange fees through Arabi Online and Arabi Mobile |
0.375% |
|
Foreign currency deposit in a foreign currency account |
0.25% for amounts equals to or less than the equivalents of USD 1000 (no min amount) |
|
Fax fees |
JD 3 to JD 5 |
|
Swift fees |
JD 5 |
|
Utility bills payment |
JD 0.1 to JD 1 (Maximum of 1 JOD per 3 payments per visit) |
|
Power of Attorney registration fees |
JD 5 |
|
Selling foreign currency against JOD |
0.5 % |
|
Monthly subscription fees for “Arabi Premium” program |
Tier one: JD 3.5 per month |
|
Minimum quarterly average balance fees for “Arabi Premium” program |
JD 20 per quarter |
|
SMS Fees |
Free for Marketing SMS |
| Arabi Online \ Arabi Mobile - Token Issuance Fee | JD 15 |
| Cardless ATM Cash withdrawal from eWallets (JoMoPay) | JD 1 (per transaction) |
| Cardless ATM Cash withdrawal from Arab Bank account | Free of charge |
|
Trade Services |
|
|
Letters of Guarantee |
|
|
Issuing Commission in favor of local beneficiary |
2 % Minimum amount JD 25 |
|
Issuing Commission in favor of abroad beneficiary |
2 % Minimum amountJD 40 |
|
Delay commission for expirednot canceledL/G ’s |
JD 20 for every 3 month |
|
Non Financial amendments commission under L/Gs |
JD 20 |
|
Letters of credit |
|
|
Opening import L/Cs commission |
0.375 % for each 3 month – Minimum amount JD 60 |
|
Acceptance, Deferredpayment commission under importL/C’s |
2.5 % Minimum amount JD 60 |
|
Non Financial amendments commission under import L/Cs |
JD 30 |
|
Documentary Bills for Collection |
|
|
Inward Bills for collection commission |
0.5 % Minimum amount JD 50 |
|
Outward Bills for collection commission |
0.5 % Minimum amount JD 50 |
|
Delivery of documents free of payment commission |
JD 40 |
|
Enquiry about foreign currency cheques earlier than maturity date |
JD 10 |
|
Bills |
|
|
Commission for collecting bills amount |
JD 1 for eachBill |
|
Commission for collateral bills |
JD 1 for each Bill |
|
Postal charges for discounted bills |
JD 0.5 foreach Bill |
Interest rates on Consumers’ Loans
|
Consumer Loans’ Interest Rates |
|
|
Product Name |
Nominal Interest Rate |
|
Housing Loans |
Starting from 7.75% Decreasing Interest |
|
Land Purchase Loans |
8.99% Decreasing Interest |
|
Personal Loans |
Starting from 10.25% Decreasing Interest |
|
Auto Loans (New) |
5% Flat Interest rate |
|
Auto Loans (Used) |
5.5% Flat Interest rate |
|
Debit Interest on Current Accounts |
|
|
Product Name |
Nominal Interest Rate |
|
Current account overflows |
15% (Calculated on the daily balance) |
|
Salary Advance |
18% (Calculated on the daily balance) |
The table below shows the explanatory examples of how to calculate the real interest rate:
|
Product Name |
Effective Interest Rate |
Loan Period (Years) |
E.g. How to Calculate the Effective Interest rate |
|
Personal Loans |
11.87% |
1 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Personal Loans |
10.99% |
2 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Personal Loans |
10.69% |
3 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Personal Loans |
10.52% |
4 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Personal Loans |
10.43% |
5 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Personal Loans |
10.37% |
6 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Personal Loans |
10.32% |
7 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Personal Loans |
10.3% |
8 |
Personal loan JD 10,000, 10% Interest Rate, and a 1% commission. |
|
Auto Loans |
11.92% |
1 |
Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission. |
|
Auto Loans |
10.73% |
3 |
Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission. |
|
Auto Loans |
10.41% |
6 |
Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission. |
|
Auto Loans |
10.33% |
8 |
Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission. |
|
Mortgage loans |
10.19% |
1 |
Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission. |
|
Mortgage loans |
8.7% |
5 |
Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission. |
|
Mortgage loans |
8.48% |
10 |
Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission. |
|
Mortgage loans |
8.42% |
15 |
Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission. |
|
Mortgage loans |
8.39% |
20 |
Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission. |
|
Mortgage loans |
8.37% |
25 |
Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission. |
|
Mortgage_loans |
8.35% |
30 |
Mortgage JD 30,000,8.25% Interest Rate, and 1%commission. |
