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FooterNavigation Fees And Charges

Retail Fees and Charges

Retail Fees and Charges

Applicable Consumers’ fees and charges and lending rates

Accounts

Minimum Balance fees (Salary, Current, or Savings Accounts)

JD 1 per month for balances below JD 100 (Except for payroll accounts)

Hold Mail fees

-

Dormant Account fees

JD 2 and maximum of JD 6 per month on all customers accounts

Mail Charges for Paper Account Statement

Free

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

Duplicate documents / cheques

JD 0.5 per cheque
Fixed Deposit Withdrawal Before Maturity

In the event that the customer withdraws his deposit in Jordanian Dinars partially or fully before its maturity, the interest is calculated according to the following equation:

(Deposit amount x agreed interest rate x term of deposit) minus (the part withdrawn from the deposit x the maximum interest rate declared on the date of withdrawal on the term corresponding to the term of the deposit plus (2%) x remaining period for the withdrawal of the deposit), provided that the customer does not lose any amount of the principal of the deposit. Noting that for purposes of this calculation, the year equals (365) days
Account opening for house maids 10 JD provided that no other commissions are collected

 

Cheques

Cheque Book issuance fees

10 papers: JD 5
20 papers: JD 10
50 papers: JD 20

Cheque clearance (out of Electronic Cheque Clearance)

Local: JD 5
International: (0.1% Min. JOD 5to Max. JOD 40)

Post dated cheque held for collection / withdrawal

JD 1 per cheque for retail customers
JD 0.5 per cheque for corporate customers

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 fee due to without/insufficient funds regardless numbers of presenting the cheque.

JD 20 to be deducted one time for same cheque regardless number of presenting it
Issuance of Bank draft (Other Currencies) JD 5 + 0.3% FX commission if applicable + Swift Commission if applicable
Returned Cheques for Technical Reasons JD 2 per cheque
Returned Cheques from Other Banks (Deposited in Customer’s Account) Free
Circulation of cheque / cheques under a police report
(regardless of currency type)		  5 JD

 

Cards

Credit Cards

Credit Cards issuance and renewal fees
(Primary Cards)

Visa Nashama: JD15
Visa Silver: JD15
Visa Gold: JD 50
Visa Black: JD 50
Travel mate: JD 50
Visa RJ platinum: JD 60
Visa Platinum JD 75
Visa Together: JD 100
Visa Signature: JD 180
VISA Signature for SMEs: JD 90
UEFA Platinum Mastercard:JD 50
Mastercard World Elite: 210

Credit Cards issuance and renewal fees
(Supplementary Cards)

Visa Nashama: JD8
Visa Silver: JD8
Visa Gold: JD25
Visa Black: JD25
Travel mate: JD25
Visa RJ platinum: JD30
Visa Platinum JD35
Visa Together: JD50
Visa Signature: JD90
VISA Signature for SMEs: JD45
UEFA Platinum Mastercard: JD25
Mastercard World Elite: 105
Cross border/Foreign Exchange commission
(transactions in country’s currency on merchants outside Jordan):		 3%
Cross border/Foreign Exchange commission
(transactions in JOD on merchants outside Jordan):
 1.5% + exchange rate from POS provider
Cross border/Foreign Exchange commission
(transactions in country’s currency on merchants in EU members countries):

Belgium, Spain, Hungary, Slovakia, Bulgaria, France, Malta, Finland, Czechia, Croatia, Netherlands, Sweden, Denmark, Italy, Austria, United Kingdom, Germany, Cyprus, Poland, Iceland, Portugal, Liechtenstein, Ireland, Lithuania, Romania, Norway, Greece, Luxembourg and Slovenia

4%
Cross border/Foreign Exchange commission
(transactions in JOD on merchants in EU members countries):

Belgium, Spain, Hungary, Slovakia, Bulgaria, France, Malta, Finland, Czechia, Croatia, Netherlands, Sweden, Denmark, Italy, Austria, United Kingdom, Germany, Cyprus, Poland, Iceland, Portugal, Liechtenstein, Ireland, Lithuania, Romania, Norway, Greece, Luxembourg and Slovenia
 2.5% + exchange rate from POS provider

Cash advance fees

4% (Minimum JD 4)

Fund transfer through Arabi online

4%

Late payment fees

JD 10 for all cards

Cards replacement (lost, damaged or stolen)

JD 5

Courier Charges (Outside Jordan)

JD 15

Over Limit fees

JD 10 for all cards

Mail Charges for Paper Account Statement

JD 1 per statement
(free through Arabi Online)

Card fraud transaction objection fees

JD 5 (refundable if fraud proven)
 Early settlement fee - Easy payment plan CC  1% up to 5 JOD

Visa Debit Cards
Debit Card issuance/Replacement fees
 Free of fees
Stopped Cards for Fraud Free for all customers 

Band-Pay replacement (lost or damaged) /Contactless Payment bracelet) replacement 

JD 5

Cash withdrawal – JONET switch

JD 1

Balance enquiry – JONET switch

JD 0.15
Band-Pay (issue / renew) (Contactless Payment bracelet) / Contactless Payment Mobile Stickerfees
 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
Visa Electron monthly fees (for unsubscribed in banking programs customers &” Arabi Extra” program customers only) JD 0.5 per month
C/W from IIAB ATMs JD 0.5 per transaction
Bal from IIAB ATMs JD 0.05 per transaction

Cross border/Foreign Exchange commission(transactions in country’s currency on merchants outside Jordan):

4%

Cross border/Foreign Exchange commission
(transactions in JOD on merchants outside Jordan):

 3% + exchange rate from POS provider
 ATM Access fees   JD 5
 ATM Access fees (Arabinet)  JD 4

ATM Cash withdrawal outside Jordan using Arab Bank ATMs in Palestine(Arabi Net)

1 JD (for Dollar and Shekel Withdrawals)
Arab Bank - Palestine commission not included *

ATM Cash withdrawal outside Jordan using Arab Bank ATMs (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)
Cardless ATM Cash withdrawal from eWallets (JoMoPay) JD 1 (per transaction)
Cardless ATM Cash withdrawal from Arab Bank account Free of charge
Depending on the amount withdrawn
1.95% by using cards issued by an institution outside Jordan
0.80% using cards issued by a Jordanian institution		 Commission for payments made at points of sale
located at government sector institutions, with the exception of the military and civilian consumer establishment
Commission for payments made at points of sale
located at the institutions of the fuel sector		 JD 0.20
Cards replacement (lost or damaged) JD 5
Issuance / renewal of Bracelets as supplementary debit options 5 JDs for all segments
2 JDs for Shabab and Junior
 Issuance / renewal of Supplementary VE card  5 JDs
 Replacement of VE card / Bracelets in branch  5 JDs
 Replacement fees of VE cards via Kiosk  3 JDs
 Virtual Debit Card  Free of charge
 Internet Shopping Card  15 JDs

 

Cross Border Card-less Withdrawal
 Cross-border card-less cash withdrawal fees (withdraw cash from Arab Bank ATMs in UAE)  JD 2 + the equivalent of 5 UAE dirhams according to exchange rate

 

Loans

Mortgage (housing) Loans

Loan granting fees

1% of loan amount(one - time fee upon granting)

Top-up Loan Processing fees

1% of top-up amount (no min amount)

Loan installment postponement fees

JD 5

Amending finance conditions fees
(Or guarantees based on customer request)

JD 5

Late installment 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

Mortgage release fees

-

Early settlement fees

No fees: if remaining tenure is one year or less
1% from the amount to be paid: if remaining tenure more than one year

Personal Loans

Loan granting fees

1% of loan amount (one-time fee upon granting)

Top-up Loan Processing fees

1% of top-up amount (no min amount)

Loan installment postponement fees

JD 5

Amending finance conditions fees
(Or guarantees based on customer request)

JD 5

Late installment 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

Early settlement fees

No fees: if remaining tenure is one year or less
1% from the amount to be paid: if remaining more than one year

Auto Loans

Loan granting fees

1% of loan amount (one-time fee upon granting)

Loan installment postponement fees

JD 5

Amending finance conditions fees
(Or guarantees based on customer request)

JD 5

Late installment 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

Mortgage release fees

-

Early settlement fees

No fees: if remaining tenure is one year or less
1% from the amount to be paid: if remaining tenure more than one year

 

Remittances
Local Remittancessent or received
Outward RemittancesRTGS E-channels Branch
Up to ACH Limit * JD 5or equivalent in other currencies JD 8or equivalent in other currencies
More than ACH Limit JD 10or equivalent in other currencies JD 13or equivalent in other currencies
Incoming RemittancesRTGS Remittance
The amount is deducted regardless of the transfer total amount
 2 JOD or equivalent in other currencies
Returned Remittances from Local BankRTGS
 Remittance Salary
Max JD 2 JD 1
Outward Remittances ACH E-channels Branch
Up to 1000 Unit(s) JD 1or equivalent in other currencies JD 2or equivalent in other currencies
From 1000Units to 5000Units JD 2or equivalent in other currencies JD 3or equivalent in other currencies
More than 5000Units JD 3or equivalent in other currencies JD 4or equivalent in other currencies
Incoming Remittances ACH Remittance
Up to 1000Units JD 1or equivalent in other currencies
More than 1000Units JD 2or equivalent in other currencies
RTGS Remittance ( After CBJ cut of time ) Remittances
JD 50
Charges “Ours”
 Remittances
1 JOD or equivalent in other currencies up to 1000 Units
2 JOD or equivalent in other currencies up for more than 1000Units
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

Outward Remittances fees ( to Arab Bank Branches in Palestine )

Free For Retail Customers

Outward Remittances fees using VISA Direct service : 4 JOD or equivalent in other currencies  per transaction.

 

Fast Track Transfers

Amount (JOD)

Fees

Less than or equal to 500

6 JOD

501– 5000

10 JOD









RemitEx Transfers Fees:

Transfer amount

Charges

Up to 500 JOD

7.75JOD

From 500 JOD to 5000 JOD

11.75JOD

More than 5000 JOD

0.25% from transfer amount up to maximum 70 JOD + 1.75 JOD

*  MasterCard remittance fees are covered in the overall fees

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/ Capability of Spending Letter

JD 5

Balance Certificate / Certificate of Clearance (in case of available liabilities)

JD 5
Balance Blocking Certificate JD 15

Certificate of Bank’s Commissions and Interests / Balance Certificate (ordered through Arabi Online Banking )

JD 3
Account Information Certificate JD 5
 Balance Blocking Continuity Certificate  JD 5
 Financial Status Certificate   JD 5
 Amount deposit Certificate   JD 5
 Balance certificate / Banking Relationship Certificate    JD 5

 

Miscellaneous

Signature Authentication

JD 2

Fees of cash withdrawals at teller desk for amounts less than JD 1000

If customer doesn’t have an ATM Card ( based on bank decision ) or in case ATM is down.

 Free                                                                                        

If customer doesn’t have an ATM Card based on his request.

 0.5 JD
If customer has an ATM Card

(0.50) JDs for amounts that equal or less than daily cash withdrawal limit determined by bank through ATM.
(Free) for amounts that exceed daily cash withdrawal limit determined by bank through ATM

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 100 to JD 250
+ 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 0.3%

Foreign Exchange fees through Arabi Online and Arabi Mobile

0.3%
Foreign Exchange fees at border posts (Queen Alia Airport) 0.2%

Foreign currency deposits except USD

0.3%
 USD Deposits  

0.3%  for amounts that are equal to or less than  USD 1000 without minimum amount regardless of type of edition .

0.3%  for amounts that exceed USD 1000 for old edition and small denominations (equal or less than $20) regardless of account segmentation.

0.2%  for amounts that exceed USD 1000 for new edition denominations USD 50 and 100 .
 Charges for depositing USD dollar through the ATM channel  0.15 %
Charges for depositing JD in USD account through the ATM  0.025 %

Fax fees

JD 3 to JD 5

Swift fees (For external financial operations)

Free of charge

Utility bills payment

 JD 1 (Maximum of 1 JOD per 3 payments per visit)

Power of Attorney registration fees

JD 5

Monthly subscription fees for “Arabi Premium” program

JD 3.5 per month

Minimum quarterly average balance fees for “Arabi Premium” program

JD 20 per quarter

SMS Fees

Free for Marketing SMS
Free for SMS Express messages within the same Bundle.
JD 0.03 starting from the Sixth messages for SMS Express Plus
Request To Watch ATM Transaction Video 5 JDs
Payment ring issuance / replacement fees 20 JDs
Commission for buying/selling precious metals (Gold)  1 US dollar per ounce, with a minimum of 50 dollars per transaction
Commission for buying/selling precious metals (Silver)  2.5% from the total number of ounces, with a minimum of 50 US dollars per transaction
Annual admin fees (Gold/Silver) collected monthly  Average number of ounces of precious metals during the month  * Ounce price of precious metals at the end of the month * 0.0025/12
Automated banking services  0.5 JD monthly, per customer

 

Trade Services

Letters of Guarantee

Issuing Commission in favor of local beneficiary

4% minimum amount JD 40

Issuing Commission in favor of abroad beneficiary

4% minimum amount JD 50 

Delay commission for expired not canceled L/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, Deferred payment commission under import L/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 each Bill

Commission for collateral bills

JD 1 for each Bill

Postal charges for discounted bills

JD 0.5 for each Bill
  • Should you need further details about other fees and commissions of Arab Bank, kindly contact the relationship manager, or call our Customer Care Center on 4600900.
  • Governmental stamp duties are imposed on some banking transactions in accordance with the instructions of Ministry of Finance
  • Arab Bank has the right, from time to time, to change the terms and conditions of the products and the interest rate and commissions (all in accordance with the applicable laws). The customer shall be notified of such changes through the means agreed upon between the customer and Arab Bank.
  • Banking Programs offer certain exemption on specific fees and those exemptions are set based on the related program.

Interest rates on Consumers’ Loans

Consumer Loans’ Interest Rates

Product Name

Nominal Interest Rate

Housing Loans - Home Construction

7.50%

Housing Loans - Home improvement

8.50%

Non Resident Jordanians Housing Loans

7.50%

Non Resident Jordanians Land Loans

7.50%

Ready Property Loan

7.50%
Housing Loans - BUY- OUT
 7.50%
Land Purchase Loans
 7.50%
Personal Loans
 8.50%
New cars
 8.25%
Used cars
 8.75%

 

Debit Interest on Current Accounts

Product Name

Nominal Interest Rate

Current account overflows

15% (Calculated on the daily balance)
  • Interest rates indicated above are for guidance purposes only and for individual customers only.
  • For more information, please call our Customer Care Center on 4600900. 
  •  Interest Rates are being set based on Interbank price.
  • “Elite” and “Arabi Premium” programs offers certain discounts on the Personal Loans interest rates.

The table below shows the explanatory examples of how to calculate the real interest rate:

Product Name

Effective Annual Percentage Rate (APR)

Loan Tenor

An Example of how to calculate the effective annual percentage rate on the product.

Personal Loans

9.7900%

1

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of 870JD

Personal Loans

8.7829%

2

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of 452JD

Personal Loans

8.4465%

3

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of 313JD

Personal Loans

8.2801%

4

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of 244JD

Personal Loans

8.1840%

5

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of 203JD

Personal Loans

8.1140%

6

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of175JD

Personal Loans

8.0673%

7

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of 156JD

Personal Loans

8.0315%

8

Personal loan with total amount of 10,000 JD at an interest rate of 7.75% and a commission fee of 1% . with monthly installment of 141JD

Auto Loans

9.3597%

1

Auto loan with total amount of 10,000 JD at an interest rate of 4% and a commission fee of 1% . with monthly installment of 868JD

Auto Loans

8.2130%

3

Auto loan with total amount of 10,000 JD at an flat interest rate of 4% and a commission fee of 1% . with monthly installment of 312JD

Auto Loans

7.7262%

6

Auto loan with total amount of 10,000 JD at an flat interest rate of 4% and a commission fee of 1% . with monthly installment of 173JD

Auto Loans

7.6431%

8

Auto loan with total amount of 10,000 JD at an flat interest rate of 4% and a commission fee of 1% . with monthly installment of 139JD

Mortgage loans

8.5212%

1

Housing loan with total amount of 30,000 JD at an interest rate of 6.5% and a commission fee of 1% . with monthly installment of 2591JD

Mortgage loans

6.9242%

5

Housing loan with total amount of 30,000 JD at an interest rate of 6.5% and a commission fee of 1% . with monthly installment of 589JD

Mortgage loans

6.7256%

10

Housing loan with total amount of 30,000 JD at an interest rate of 6.5% and a commission fee of 1% . with monthly installment of 343JD

Mortgage loans

6.6594%

15

Housing loan with total amount of 30,000 JD at an interest rate of 6.5% and a commission fee of 1% . with monthly installment of 263JD

Mortgage loans

6.6271%

20

Housing loan with total amount of 30,000 JD at an interest rate of 6.5% and a commission fee of 1% . with monthly installment of 225JD

Mortgage loans

6.6085%

25

Housing loan with total amount of 30,000 JD at an interest rate of 6.5% and a commission fee of 1% . with monthly installment of 204JD

Mortgage_loans

6.5964%

30

Housing loan with total amount of 30,000 JD at an interest rate of 6.5% and a commission fee of 1% . with monthly installment of 191JD

 

 

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