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0800 22944
Jordan
What is the minimum opening balance for an NBK Current Account?
The minimum opening balance for an NBK Current Account is JD 200 or more.
In what currencies can I open an NBK Current Account?
You can open an account in Jordanian dinar, Kuwaiti dinar, US dollar and other currencies upon request.
When are statements issued?
Statements are issued on a monthly basis.
Can a check book be issued to a customer who does not maintain the minimum balance requirement?
Yes, we can issue a check book to customers who do not maintain the minimum balance requirement, as long as any issued checks are covered by the account balance and check book charges maintained.
Should the salary be transferred to the current account?
No, salary transfer is not mandatory.
Can I open this account in other currencies?
Yes, upon request.
What happens if I stop using my account?
If there is no activity on the account for 2 years, the account will go into a dormant status. A JD 2 monthly fee will be charged to dormant accounts. You may visit any branch and reactivate your dormant account.
Can I issue a checkbook on my saving account?
Yes, upon request.
How do I change my NBK Term Deposit?
Any instructions given from you related to your deposit, like closing it or amending the amount and/or period, by visiting the nearest branch and must be done 48 hours before maturity date.
How Do I Get It?
The required opening amount for the NBK Term Deposit is JD 5,000 or more.
How is interest calculated?
Interest is calculated based on the time period and the amount of the deposit.
Can I issue a check book on my student account?
No you cannot.
When are statements issued?
Statements are issued on a semi annually.
Can I open another sub-account (Student Account) under my basic account number?
Yes, you can.
Checks
How can I request a checkbook?
Through your NBK Online Banking service or by approaching the nearest branch to sign the request.
Are there any specific security features that I need to adhere to?
Checkbooks issued by NBK Jordan comply with all security features and these include:
- Type of paper used which does not allow for checks to be photocopied
- Special type of ink
- Watermark as part of the checks
- UV logo
What do I have to remember when dealing with checks?
- Do not write or sign over the MICR code at the bottom of the check
- Generally keep checks in a good condition - it should not be folded or stapled to the paper. Make sure that your checks are not damaged in any way (ie: torn, folded, or crumpled)
- The check should not be exposed to direct sunlight nor kept in a hot place e.g. in a car in direct sunlight as this can damage the UV logo
- Ensure the availability of sufficient funds in the account before issuing checks (checks returned due to insufficient funds may lead to criminal prosecutions and/ or closure of your account by NBK Jordan)
Personal Loan
If I transfer my salary to NBK, what are the loan benefits I get?
Get a loan for whatever you need –furniture for your house, or anything else – when you transfer your salary! You can borrow up to JD 50,000 with instant approval, and a repayment period up to 8 years.
What happens if I miss paying a monthly installment?
In case you miss paying one of your monthly installments, you will be charged a default interest & a late payment fee
Can I get a life insurance if I take a personal loan from NBK?
Yes you will get life insurance during the loan tenor.
Housing Loan - Consumer
What happens if I miss paying a monthly installment?
You will be charged a default interest & a late payment fee.
Will the property be registered under my name or the Bank’s name?
The property will be registered under your name, however mortgaged under the Bank’s name.
Can I postpone one or two payments?
Restructuring the loan is permitted inline with the regulatory requirements
Housing Loan - Expat
Does NBK offer housing loans for expats?
Yes. NBK Jordan provides real estate services through non-resident Jordanian packages.
What are the loan criteria for an NBK expat loan?
Financing ranges up to 75%
Do I have the opportunity to mortgage in the countries where NBK has branches?
Yes, depending on the country criteria, NBK has presence in London, Paris, UAE, Egypt, Jordan and Lebanon and you can seize this opportunity to own your property abroad from Kuwait.
Auto Loan
What are the NBK Auto Loan criteria regarding LTV?
Car loans can be taken for up to 85% from lower of purchasing price or value.
Will my car be covered by insurance during the loan tenor?
You should arrange for the car insurance and borne the cost.
What documents do I need to apply for a loan?
To apply for a loan you would need to provide the following documents; a salary certificate or proof of income, passport, civil ID, account statement of the last 6 months and a liabilities certificate.
Can I settle the loan earlier than maturity?
Yes, however there is a fee (depending on the country you took the loan from).
Will the property be registered under my name or the bank’s name?
The property will be registered under your name, however mortgaged under the bank’s name.
How frequent are the installments?
Installments are usually monthly, however some locations may be quarterly installments.
Is there a minimum salary requirement to apply for a loan?
Yes. The minimum salary depends on the country you are applying for. Contact NBK Jordan on 0800 22944 or +(962) 6560 8860 or visit your local branch on how to find out more information.
What is the annual fee for NBK Credit Cards?
NBK tries to make products as convenient as possible for you. Primary and supplementary credit cards are free for the first year and NBK only charges from the second year onwards. The annual fee varies, based on the type of credit card. For details contact NBK Call Center on 080022944 or +962 65608860.
Where can I use my NBK Credit Card?
NBK Credit Cards are second to none when it comes to acceptance. You can use them both locally and internationally, at ATMs and at numerous merchants.
How can I get a credit limit increase on my credit card?
Simply visit a NBK Jordan branch, and if you are eligible, NBK Jordan will extend the service to you.
How can I upgrade my credit card?
Just contact the NBK Call Center at 0800 22944 or +(962) 6560 8860 and find out if you are eligible. If upgrading your credit card requires a credit limit increase, you will be asked by the call center to visit an NBK Jordan branch to upgrade your credit card.
What should I do if my card is lost or stolen?
NBK Jordan makes sure our cardholders are as safe as possible. If your card is lost or stolen, contact the NBK Call Center immediately on 080022944 or +962 65608860. NBK Call Center will immediately block your card from unauthorized transactions.
When I am overseas, should I pay in JD or another currency?
To avoid extra charges, always request to pay in the local currency of the country you are visiting.
Can I withdraw cash from ATMs?
Yes, you can withdraw cash from any of NBK Jordan’s conveniently placed ATMs. What’s more, you can withdraw 100% of your available funds.
Do I need to Activate My Credit Card?
Your security is a priority at NBK Jordan. To activate your card, simply contact the NBK Call Center at 0800 22944 or +(962) 6560 8860. This simple process ensures your security and peace of mind.
What are the Payment Options Available to Settle My Credit Card Dues?
NBK Jordan makes paying bills flexible and easy. You can pay 5% of the monthly outstanding balance due or settle the outstanding amount in full.
How do credit card installments work?
You should pay 5% of your monthly outstanding balance, or a minimum monthly payment of JD 25.
Visa Platinum:
At which airport lounges do I get complimentary access with my card?
NBK Platinum Credit Card gives you access to 25 lounges.For more details please visit Visa’s website.
What is the annual fee for NBK Credit Cards?
NBK Jordan tries to make products as convenient as possible for you. Primary and supplementary credit cards are free for the first year and NBK Jordan only charges from the second year onwards. The annual fee varies, based on the type of credit card. For details contact NBK Call Center on 080022944 or +962 65608860.
What should I do if my card is lost or stolen?
NBK Jordan makes sure our cardholders are as safe as possible. If your card is lost or stolen, contact the NBK Jordan Call Center immediately at 0800 22944 or + 962 6 560 88 60. NBK Call Center will immediately block your card from unauthorized transactions.
When I am overseas, should I pay in JD or another currency?
To avoid extra charges, always request to pay in the local currency of the country you are visiting.
For example, if you are visiting the United Arab Emirates, make sure you insist on paying in AED. If you pay in Jordanian Dinars while abroad, you will be charged more in currency conversion rates which could be an additional 3 to 5% of your total bill amount.
Can I withdraw cash from ATMs?
Yes, you can withdraw cash from any of NBK Jordan’s conveniently placed ATMs. What’s more, you can withdraw 100% of your available funds.
What is NBK Secure Shopping?
NBK Secure Shopping adds another authentication step for online payments. It was developed by Visa to improve the security of Internet payments and offered to customers as the Verified by Visa service. MasterCard also offers this to customers under the name MasterCard Secure Code. This authentication is based on a three-domain model hence the 3D in the name 3D Secure Shopping.
Will I need to apply for a new credit card to use NBK Secure Shopping?
No, you will be able to use your existing NBK Credit Card.
Do I have to pay for NBK Secure Shopping service?
NBK Secure Shopping is a free and automatic service provided to BK Credit Cardholders.
Which of my NBK Cards are enabled for NBK Tap & Pay?
All NBK Visa Credit and Debit Cards are enabled for NBK Tap & Pay.
How will my transaction be authorized?
The purchase will be authorized, processed and billed in the same secure way it is today. All you have to do is to look out for Tap & Pay logo on any POS machine, and then you can pay using your NBK Tap & Pay Card.
Will the Tap & Pay Service be available at all outlets in Jordan?
The Tap & Pay network will be expanded to reach all local and international POS.
Which transactions are suitable for NBK Tap & Pay functionality?
All transactions that are equal or below JD 25 are suitable for NBK Tap & Pay functionality. All you have to do is tap on the POS to pay without entering your PIN.
Transactions that are above JD 25 will be paid through the normal payment process.
Can I still use my NBK Tap & Pay Card at POS that do not support this service?
Yes you can, but you will be asked to swipe or insert your card and enter your PIN.
How can I get the NBK Tap & Pay Card?
Visit NBK - Jordan main branch to apply for your NBK Tap & Pay Card.
Is the service secure?
NBK Tap & Pay Card uses EMV chip technology, which provides enhanced security and protection from fraud. NBK Tap & Pay transactions are processed through the same secure and reliable network used for all card transactions. And because your card or mobile device never leaves your hand during the entire Tap and Pay transaction, the risk of your card being used for fraudulent transactions is reduced.
Can I change the PIN of my NBK Credit or Debit Card? If so, how can I do it?
You can easily change your PIN through any NBK ATM.
Do I apply for the issuance of an import letter of credit?
Liaise with your NBK Relationship Officer about your needs. To support the issuance of an import letter of credit, you will have to set up a line of credit. Once approved, complete the application for an irrevocable documentary credit and bring it to your NBK Relationship Officer. If you require assistance in completing the application, you may ask our Trade Finance division.
What is the uniform customs and practice for documentary credits (UCP)?
The uniform customs and practice for documentary credits (UCP) is a set of recognized and internationally accepted rules for documentary credits published by the International Chamber of Commerce (ICC) in Paris, France. These rules are used in the international trade community for determining the roles and responsibilities of all parties involved in letters of credit, including standby letters of credit, where the letter of credit expressly stipulates that it is subject to the UCP.
What are the risks to the buyer in an import letter of credit?
Under an import letter of credit, the bank promises to make payment to the seller against the seller's presentation of pre-specified documents. However, it does not provide the buyer with protection if the seller presents documents that comply with the letter of credit but later prove to be fraudulent. If all appropriate documents are presented to the bank in absence of clear fraud, the bank will not be able to refuse payment should a dispute arise between the buyer and seller.
To reduce this risk, a buyer should thoroughly investigate prospective sellers. Our Trade finance experts will assist you in compiling this information using public information available from their global contact.
What Can I Do?
There are a variety of self-service features available to you through NBK Online Banking. You can:
• Check your account Balances
• View your transactions details
• Print account statement
• Transfer funds between your NBK Jordan accounts
• Submit funds transfer request from your account(s) to any account outside NBK Jordan
• Order a checkbook.
• Open a new account.
• Request a term deposit
• And many other services
What Do I Need?
Simply visit a NBK Branch
How can I check if my NBK Online Banking session is secure?
Look for the padlock icon located in the lower right corner of your browser window. A closed or locked padlock indicates a secure connection. Look for the letter “s” at the beginning of the URL address, i.e. https:// – "s" stands for secure.
How do I login to my account on NBK Online Banking?
To login to your account, you need to answer a security key question and make sure that the selected image matches the one you have chosen, then enter your NBK Online Banking password to login successfully.
What can I view on the "Balance Information" page?
You can check your account statement from the date you opened the account and track your credit card purchase history (up to 1 years) with an easy download facility to Microsoft Excel, Microsoft Word and PDF. You can also keep track of your loan and funds details on an ongoing basis.
What types of transfers can I make online?
You can conduct international or local transfers as well as set up a Standing Order for your recurring payments.
What is the Daily transfer limit?
You can transfer up to JD 5,000 per day.
How do I add a beneficiary on NBK Mobile Banking?
Beneficiaries must be added on NBK Online Banking in order to do the transfers on your device. Once the new beneficiary is added, you do the transfer on your device.
What do I do if I change my mobile number?
Please visit your nearest NBK branch and we will update your details on our records.
What do I do if I change my mobile phone?
- Download the application on your new device
- Enroll your device by logging into Online Banking and follow the below steps:
- Login to Online Banking
- Select “Self-Services” tab then “Mobile Banking” then “Manage Devices”
- Click on “Add” to add your new device
- Click on “Delete” to remove your old device
Can I have NBK Mobile Banking on multiple devices?
Yes, now the application can be downloaded, installed and enrolled on up to (maximum) 5 devices
How much do I have to pay to download NBK Mobile Banking?
There are no fees. The application is free.
Can anyone else use my NBK Mobile Banking?
No one else can use your NBK Mobile Banking. This is another secure banking channel where every time you wish to use your NBK Mobile Banking, the password prompt will appear.
How do I enable/disable my application?
login to NBK Online Banking, select NBK Mobile Banking, select Enable/Disable, and then enable or disable the service.
What if I lose my mobile?
You can disable your Mobile Banking service through NBK Online Banking by selecting “Disable” under “Mobile Banking”.
What if I receive a call while using the NBK Mobile Banking App?
You will be able to receive SMS and receive incoming calls. However, should you reply to the SMS or the incoming call and spend some time on it, for security reasons, you will be automatically logged out of the app and will need to log in again.
What can I do?
Everyday banking:
Unlimited account deposits and withdrawals Transfers - unlimited transfers from branches (note: there is a transfer limit when making transfers with online banking)
Foreign currency exchange Clear, deposit and order checks
Opening accounts:
Open an account (for new customers)
Sign up for credit cards
Apply for products or services,
Process loans
Update your details:
Update your personal information to ensure secure banking (i.e.: contact number, email, Civil ID, signature change, Know Your Customer (KYC) details)
General queries:
Make inquiries about any NBK products and services
Manage "Power Of Attorney" requests so that you can allow family members and business partners to access your accounts and/or safe deposit boxes
Process loan
What Can I Do?
• Withdraw cash (within the available limit)
• Fast Cash
• Change debit PIN
• Balance Inquiry
• Request mini account statements
• Transfer between your accounts
How Can I Access It?
You will need your NBK Debit Card and the PIN.
What Can I Do?
• Pay it yourself anytime and anywhere.
• Easily, safely and self-controlled payment system.
• User friendly and flexible browsing.
• Immediate transactions.
• Around the clock service.
• Large and growing numbers of billers list.
• Bills Inquiry service is available.
• Save bills information for later payment is available.
• View the history of all payments made using the “eFAWATEERcom” service
What Do I Need?
Simply visit a NBK branch
What payment channels are available?
This System is available through:
• NBK Jordan Website
• Branch Tellers
Can eFAWATEERcom be used by someone who is outside Jordan?
Yes you can.
How long it takes for my Biller to receive the payment?
This system is a simultaneous payment option; your payment is processed automatically to your Biller.