Current Account

• Minimum Balance: Free
• Dormant Account: Free

Debit Card

• First Physical Card Issuance: Free (User must conduct any financial transaction of 10 JOD to order your free debit card)
• Card Replacement (lost or damaged): 2 JOD
• Second Card Replacement (lost or damaged): 5 JOD
• Foreign Exchange Purchases (inside or outside Jordan): 3%
• Foreign Exchange ATM Withdrawal: 3%
• Card Transaction Dispute: If the request is valid, no fees will be charged.
  If the dispute is invalid, a fee of 5 JOD will be charged per request.

Virtual Card

• 1st Card Issuance: Free
• 2nd Card Issuance: Free
• Foreign Exchange Purchases (inside or outside Jordan): 3%
• Foreign Exchange ATM Withdrawal: 3%

Loyalty Account

• Cash Out: Free

Savings Account

• Open Account: Free
• Deposit: Free
• Withdrawal (transfer back to current account): Free

Multicurrency Sub Accounts

• Account Opening: Free
• Deposit:
  • Dynamic FX Rate Applies
  • 0.3% USD, AED, GBP, EUR, SAR
• Withdrawal (transfer back to current account):
  • Dynamic FX Rate Applies
  • No FX Commission

Add Money

• IBAN: Free
• Arab Bank Debit Card: Free
• Arab Bank Credit Card: 4% (Account Fund Transfer Fee)
• Arab Bank ATM Deposit: Free

Withdrawal

• Arab Bank ATM Withdrawal: Free
• Non Arab Bank ATM Withdrawal (Local): 1 JOD

Transfers

• Reflect to Reflect: Free
• CliQ: Free
• Arab Bank Transfers: Free

Bill Payment

• eFAWATEERcom: Varies per eFAWATEERcom Biller, no additional fees from Reflect side

Salary Transfer

• Salary Transfer Deposit: Free

Credit Card

• Application Processing: Free
• 1st Physical Card Issuance: Free
• Card Replacement (lost or damaged): 5 JOD
• Early Payment: Free
• ATM Withdrawal: 4% (Account Fund Transfer Fee)
• Foreign Currency Transaction: 3% in Europe & 4% outside of Europe
• Monthly Interest: 1.5%
• Late Payment Charges: 5 JOD
• Easy Payment Plan:
  • 0% for Reflect Supported Merchants
  • 1% for Non-Reflect Supported Merchants
• Limit Overdraft: 5 JOD
• Card Cancellation: Free
• Dormancy: Free
• Cash Withdrawal Fees: 4%

Instant Loan

• Application Processing: Free
• Issuance Fees: 1%
• Government Stamp Fees:
  • Loan Amount 1,000 JOD or above = 0.3%
  • Loan amount ranging between 500 and 999 = 2 JOD
  • Loan amount ranging between 300 and 499 = 1 JOD
• Life Insurance: 0.5 JOD (Monthly)
• Early Settlement: Free
• Late Payment Interest: 1%
• Late Installment Payment Charges:
  • Less than 70 JOD = 3 JOD
  • More than 70 JOD = 8 JOD
• Loan Re-scheduling: 5 JOD
• Loan Deferment: 5 JOD

E-Statement

• PDF: Free
• Stamped:
  • 2.5 JOD (Delivery)
  • +0.25 JOD per page (Current Year)
  • +0.5 JOD per page (Previous Year)