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 maximum daily limit allowed for transfers using CliQ service?
    The maximum daily limit allowed for CliQ transfers is JOD 10,000 and the number of transactions must not exceed 10 transfers.
  • How much is the issuance and renewal fees of Iskan Youth Credit Card?
    Iskan Youth Credit Card is waived from issuance and renewal fees for Youth customers
  • How much is the monthly fee of Iskan Youth debit card?
    The monthly fee of Iskan Youth debit card is JOD 0.500
  • How to join Iskan Youth program?
    You can join Iskan Youth Program if you are aged between (18-25) years. You can open your account digitally through Iskan Mobile app or by visiting any of our branches across the kingdom
  • What is the minimum amount required to open an Iskan Youth account?
    No minimum amount required to open Iskan Youth account
  • How to get Iskan Youth V-Card?
    You can issue Iskan Youth V-Card instantly from Iskan Mobile app for free without the need to visit the branch
  • Can the father or mother control and manage the Iskan Young account for their child?
    Yes, parents are able to control and Manage Iskan Young accounts of their minors from Iskan Mobile app
  • How to Join Iskan Young Program?
    Parents can onboard their minors to Iskan Young program from Iskan Mobile app
  • Are there any issuance fee or monthly fee for the debit card of the Iskan Young account?
    No, there are no issuance fee or monthly fee for the debit card
  • What is the minimum amount required to open Iskan Young account?
    There is no minimum amount required to open the Iskan Young account
  • What is the minimum balance fee on any of Iskan Young accounts?
    Iskan Young accounts are waived from minimum balance fee
  • How many transactions can be installed on a credit card?
    The maximum number of transactions installed is 5 times during the same period.
  • How to Send a Transfer Using the CliQ Service through Iskan Mobile?
    1. Log in to Iskan Mobile and select “Payments”.
    2. Click on the “Instant Payment” service.
    3. Choose the beneficiary from your registered beneficiaries list or click on “Send/Request” to add a new beneficiary.
    4. Enter the required information, then review the CliQ transfer details on the preview screen.
    5. Enter the OTP sent to your registered mobile number, when the amount is JOD 200 or above.
    6. A success screen will display your CliQ transfer details.
  • How can I install my Transaction amount?
    When using your Housing Bank Credit Cards through the merchant POS for selected participating merchants, through the SMS, through Iskan Mobile application or contact our Call Center (Iskan 24/7) at +96265200400
  • What is the Instalment Period?
    Flexible periods starting from 3 months up to 24 months. The installment months varies from one merchant to another.
  • What is the interest rate for the installment program?
    0% interest rate when using your credit card in selected participating merchants. And 1 % for non-participating merchants
  • What is the minimum amount that can be installed?
    200 JD
  • Is there any interest-free period on my credit card transaction?

    The interest-free period may reach 55 days, depending on the date of transaction. There is no interest-free period on cash withdrawal transactions.

  • What is the difference between FX Margin and FX Cash trading services?

    - The FX Margin service depends on a trading limit given to the client, while FX Cash service depends on the balance available in client’s account.

    - There are credit and debit interest rates applied on FX Margin accounts balances. No interest is applied to the FX Cash service.

    - 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.

  • Does the money transfer service reach all parts of the world?

    Yes, it does. This is because HBTF has a wide network of correspondent banks. There are over 500 correspondent banks  across the globe.

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