Fees And Charges

Accounts

Minimum Balance fees (Current or Savings Accounts)

Salary Accounts: Without fees
Current Account: JD 1 per month for balances below JD 200
Savings Account: JD 1 per month for balances below JD 100

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
(free through Arabi Online)

Account Statement request (second copy)

JD 0.25 per page for documents ages’ less than one year
JD 0.5 per page for documents ages’ more 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
JD 3 per document for documents ages’ more than 6 months

Cheques

Cheque Book issuance

10 papers: JD 2.5
20 papers: JD 3.5
50 papers: JD 7.5

Cheque clearance (out of Electronic Cheque Clearance)

Local: JD 5
International: JD 20

Post dated cheque held for collection

JD 1 per cheque

Stop payment of cheque as per customer request

JD 10 per cheque
(JD 10 for a group of serial cheques)

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

Credit Cards issuance and renewal fees
(Primary Cards)

Visa  Nashama: Free
Visa Zain Classic: JD 25
Visa RJ Classic: JD 35
Visa Gold / Visa Black / Visa Zain Gold / MasterCard Titanium: JD 50
Visa RJ platinum : JD 60
Visa Platinum / Visa Together: JD 100
Visa Signature :JD 180

Credit Cards issuance and renewal fees
(Supplementary Cards)

Visa Nashama / Visa Together: Free
Visa Zain Classic: JD 13
Visa RJ Classic: JD 18
Visa Gold / Visa Black / Visa Zain Gold / MasterCard Titanium: JD 25
Visa RJ platinum : JD 30
Visa Platinum: JD 50
Visa Signature :JD 90

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
(JD 20 for Silver Card)

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
(JD 20 for Silver card)

Dormant card fees (for Silver card only)

JD 2 per month

Mail Charges for Paper Account Statement

JD 1 per statement
(free through Arabi Online)

Card fraud transaction objection fees

JD 10 (refundable if fraud proven)

Visa Debit Cards

Cards replacement (lost or damaged)

JD 5

Cash withdrawal – JONET switch

JD 1

Balance enquiry – JONET switch

JD 0.15

Visa Debit card fees

JD 0.5 per month

Pin code replacement fees (lost)

JD 1

Cross border/Foreign Exchange commission

4%

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

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
JD 8 for installments with amount equals to or more than JD 70
JD 10 for Corporate Small segment

Account Statement request (second copy)

JD 0.25 per page for documents ages’ less than one year
JD 0.5 per page for documents ages’ more than one year

Mortgage release fees

JD 10

Early settlement fees

No fees: if remaining tenure is one year or less
1% of outstanding loan balance: if remaining tenure more than one year

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
JD 8 for installments with amount equals to or more than JD 70
JD 10 for Corporate Small segment

Account Statement request (second copy)

JD 0.25 per page for documents ages’ less than one year
JD 0.5 per page for documents ages’ more than one year

Early settlement fees

No fees: if remaining tenure is one year or less
1% of outstanding loan balance: if remaining more than one year

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
JD 8 for installments with amount equals to or more than JD 70
JD 10 for Corporate Small segment

Account Statement request (second copy)

JD 0.25 per page for documents ages’ less than one year
JD 0.5 per page for documents ages’ more than one year

Mortgage release fees

JD 10

Early settlement fees

No fees: if remaining tenure is one year or less
1% of outstanding loan balance: if remaining tenure more than one year

Remittances

Outward Remittances fees in foreign currencies

JD 5

Outward Remittances fees (Outside Jordan)

0.25% (min JD 5 and max JD 70) + Swift fees

Inward Remittances fees in foreign currencies

0.2% (min $2 and max $5)

Issuance of Bank draft (Other Currencies)

JD 10 for amounts less than JD 3000
JD 20 for amounts equal to or more than JD 3000
+ FX commission if applicable

Outward Remittances fees ( to Arab Bank Branches in Palestine )

Free For Retail Customers

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 / 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
JD 1 for amounts from JD 301 to JD 1000
(free for customers who do not hold an ATM card)

Salary Transfer fees

Safe Box rental fees

JD 75 to JD 200
+ JD 200 to JD 600 as cash collaterals
(according to safe box size)

Standing Order fees

JD 1 per order
(free through same customer accounts or through Arabi Online)

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)
0.1% for amounts more than the equivalents of USD 1000

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
Tier two: JD 5 per month

Minimum quarterly average balance fees for “Arabi Premium” program

JD 20 per quarter

SMS Fees

Free for Marketing SMS
JD 0.3 starting from the Sixth messages for SMS Express, plus free Messages within the same Bundle
JD 0.3 starting from the Sixth messages for SMS Express Plus

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

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)

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.
JD 880 monthly installment

Personal Loans

10.99%

2

Personal loan JD 10,000, 10% Interest Rate, and a 1% commission.
JD 463 monthly installment

Personal Loans

10.69%

3

Personal loan JD 10,000, 10% Interest Rate, and a 1% commission.
JD 324 monthly installment

Personal Loans

10.52%

4

Personal loan JD 10,000, 10% Interest Rate, and a 1% commission.
JD 255 monthly installment

Personal Loans

10.43%

5

Personal loan JD 10,000, 10% Interest Rate, and a 1% commission.
JD 214 monthly installment

Personal Loans

10.37%

6

Personal loan JD 10,000, 10% Interest Rate, and a 1% commission.
JD 187 monthly installment

Personal Loans

10.32%

7

Personal loan JD 10,000, 10% Interest Rate, and a 1% commission.
JD 167 monthly installment

Personal Loans

10.3%

8

Personal loan JD 10,000, 10% Interest Rate, and a 1% commission.
JD 153 monthly installment

Auto Loans

11.92%

1

Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission.
JD 881 monthly installment

Auto Loans

10.73%

3

Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission.
JD 324 monthly installment

Auto Loans

10.41%

6

Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission.
JD 187 monthly installment

Auto Loans

10.33%

8

Auto loan JD 10,000, 5.5% Fixed Interest, and 1% commission.
JD 153 monthly installment

Mortgage loans

10.19%

1

Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission.
JD 2,615 monthly installment

Mortgage loans

8.7%

5

Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission.
JD 614 monthly installment

Mortgage loans

8.48%

10

Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission.
JD 370 monthly installment

Mortgage loans

8.42%

15

Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission.
JD 294 monthly installment

Mortgage loans

8.39%

20

Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission.
JD 258 monthly installment

Mortgage loans

8.37%

25

Mortgage JD 30,000, 8.25% Interest Rate, and 1% commission.
JD 239 monthly installment

Mortgage_loans

8.35%

30

Mortgage JD 30,000,8.25% Interest Rate, and 1%commission.

JD 228 monthly installment