FAQ

​​​​​​​​​​​​​​​​ The Housing Bank For Trade & Finance responds to whatever queries you have in regards to any of our services. Your questions and answers will be found in this Frequently Asked Questions (FAQs) section. We have classified questions with their ideal answers in different categories based on subject relevance to facilitate the search process.

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  • What is the monthly minimum payment on my credit card outstanding balance? What is the monthly minimum payment on my credit card outstanding balance?

    The minimum payment due depends on the selected payment instruction by the cardholder with a minimum amount of JOD 25 for standard/classic credit cards, and JOD 50 for gold/ platinum/signature/infinite / world elite credit cards.

  • Do I need the beneficiary’s IBAN when requesting to issue a money transfer from my account to a beneficiary’s account with another bank inside the Kingdom? Do I need the beneficiary’s IBAN when requesting to issue a money transfer from my account to a beneficiary’s account with another bank inside the Kingdom?

    Yes,  and otherwise the request will be rejected.

  • What is the Minimum limit for opening a current Accounts? What is the Minimum limit for opening a current Accounts?

    Minimum amount for opening a current Accounts is JD 500

     

  • Can customers with non–transferred salary and self–employed clients income benefit from the program? Can customers with non–transferred salary and self–employed clients income benefit from the program?

    Yes, provided that there is an Acceptable guarantor with a salary transferred to the bank

  • What is the e-Channels offered by the bank ? What is the e-Channels offered by the bank ?

    Iskan Mobile

    Iskan Online

    ATM Network 

    SMS 

    Interactive Voice Response System (IVR) 

    Call Center (ISKAN 24/7)

    ITM

    Iskan engage

  • What is the maximum amount of Auto Loans financing I can get? What is the maximum amount of Auto Loans financing I can get?

    Financing can reach up to JD 150,000

  • Why is our personal loan program your perfect solution? Why is our personal loan program your perfect solution?

    -Tenor of loan up to10 years.

    -Grace period up to 6 months.

    -Competitive interest rate.

    -Pre-approved credit card with free issuing fees for the first year.

    -Life insurance coverage.

  • What is the difference between FX Margin and FX cash trading Services ? What is the difference between FX Margin and FX cash trading Services ?

    FX Margin service depends on a trading limit given to client, while FX cash service depends on balance available in client’s account

    There are credit and debit interest rates applied on FX Margin accounts balances, while for FX cash service no interest is applied

    Trading limit given under FX margin service is 7 times client’s deposited cash collateral , while FX cash service trading is limited to actual available balance in client’s account

    FX Margin trading agreement is different from FX cash account service agreement

    FX margin trading service depends on adequacy ratio monitoring, while FX cash account service not

    Under FX margin trading clients can sell a currency that he doesn’t own , while under FX cash account service this is not allowed

  • CliQ 7 CliQ 7

    CliQ 7

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    CliQ?
  • What is the Minimum limit for opening a Savings Account? What is the Minimum limit for opening a Savings Account?

    100 JD is the Minimum limit for opening a Savings Account

  • What are the advantages of opening a Saving Account? What are the advantages of opening a Saving Account?

    The Savings Account aims to encourage customers to save their money for their family and their future with the assurance that their money is in safe hands and grow with the growth of their assets. The Savings Account also gives them an opportunity to win one of the prizes of valuable Savings Accounts announced

  • When does my credit card statement issue? When does my credit card statement issue?

    Credit card statement issues on end of each month.

  • Who should open a current account? Who should open a current account?

    Current Account is designed to suite the need of all our customers, Individuals, merchants and companies. This account helps our customers to attain banking services that shorten the distance between them and the bank wherever they are.

  • Do I need the beneficiary’s IBAN when sending interbank transfers across international borders? Do I need the beneficiary’s IBAN when sending interbank transfers across international borders?

    Yes, if the beneficiary is located in a country that uses and practices IBAN, otherwise, the request with be rejected.

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