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

- 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.

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

Yes, you can. HBTF offers the Western Union money transfer service that facilitates the process of transferring and receiving your money quickly through Western Union agents around the world or through HBTF branch network. Moreover, you can visit the Western Union agent at country of residence and send a transfer. All you need to mention is the beneficiary’s name,additional you can use the Iskan Mobile banking application anytime anywhere to transfer and reveiving money.

The monthly subscription fee of Iskan Plus Paid Program is 3.5 JODs.

- Dedicated Relationship Manager and designated Iskan Plus branches for prioritized services

 - Priority in queueing systems at bank branches

 - Priority at the call center service (Iskan 24/7)

- Instant cash in case of emergencies during travels, through Western Union Quick Transfers on the Iskan Mobile application

- Installments, discounts and loyalty programs for Iskan Plus debit and credit cards

 - 50% exemption on primary credit card issuance fees for the first year excluding Visa Infinite US Dollar card

- Extra chance of winning in savings accounts for every additional 100 JODs in the balance

 - A lower interest rate than the advertised rate on consumer loan products

- Exemption from loan granting fees purchased from other banks (Buyout Loans)

You can join Iskan Plus program by fulfilling the following criteria:

- A monthly transferred salary to Housing Bank with minimum value of 650 JODs and maximum value of 2599 JODs or equivalent in foreign currencies.

- The average balance of the customer's accounts (Term deposits / Current / Savings) in JOD currency should range from 10,000 JODs and less than 70,000 JODs or equivalent in foreign currencies.

You can open an account at HBTF with the below currencies:

- U.S. Dollars

- Japanese Yen

- British Pounds

- Euros

- Several Arabic currencies

You can access the service 24/7, 7 days a week.

- Free of charge salary transfer

- Free account statement

- 100% exemption on primary and supplementary credit card issuance fees for the first year

- Free of charge foreign currency deposit

- 60 free checkbook leaves per year

- Customized mobile banking theme and design

- Cheque book request

- Credit card request

- Safety Deposit application. boxes

- Cardless withdrawal and deposit

- Western Union Express Transfer Service (inquiry, send money, receive money)

- Bill payment through eFawateercom

- Credit card payments /settlements

- CliQ services

- Personal loan request

- Auto loan request

- Housing loan request

- Locating Housing Bank ATMs and branches

- CRIF credit Inquiry

- Activation of SANAD digital identity

- Travel insurance services

- Card location control

- A revolving credit limit with repayment value that meets your needs

- A grace period of up to 55 days for purchases

- Flexibility in payment

- Local and global acceptance

-The option for internet purchases, making it possible to contact the 24/7 call center at any time to request changes to the limit or cancel the service, or through the Iskan Mobile app

- Purchase installments at 0% interest

- Personal Assistant Service

You can join the EDGE program based by meeting one of the following criteria:

- A monthly transferred salary to Housing Bank with minimum value of 2600 JODs  or equivalent in foreign currencies.

- The total value of credit facilities (housing loans/ personal loans/ car loans) granted to the EDGE customer should be 200,000 JODs or more.

- The average balance of the customer's accounts (Time deposits / Current / Savings) should not be less than 70,000 JODs or equivalent in foreign currencies.