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 Iskan Coins Program? What is the Iskan Coins Program?
    The Iskan Coins Program enables Housing Bank customers to earn Iskan Coins when they utilize the bank's products and services (as per the services listed on the Bank’s official website). Accumulated Iskan Coins can be redeemed for cash, vouchers, gifts, or reward points with companies participating in the Iskan Coins Program. 
  • How to enroll and earn Iskan Coins? How to enroll and earn Iskan Coins?
    Housing Bank customers are automatically enrolled in the program. Iskan Coins are earned when benefiting from housing loan products, e-services via Iskan Mobile, and transactions made using Visa cards for online and in-store purchases both inside and outside Jordan, depending on the card type.
  • Which cards can be used? Which cards can be used?
    All Visa cards issued by the Housing Bank, including credit, debit, and Iskan v-cards, are eligible for earning Iskan Coins.
  • How can Iskan Coins be redeemed? How can Iskan Coins be redeemed?
    Iskan Coins can be redeemed through various methods, including:

    - Transferring Coins to another Housing Bank customer.
    - Converting Coins into cash credited to the customer's account or credit card, or to another Housing Bank customer.
    - Using Coins for payments (eFawateercom, eVouchers, CRIF fees).
    - Redeeming for shopping vouchers.
    - Withdrawing Coins via ATMs.

     
  • What is the validity of earned but unredeemed Coins? What is the validity of earned but unredeemed Coins?
    Earned but unredeemed Iskan Coins expire 24 months after the day they were credited to the customer's account.
  • What transactions are not included in earning Iskan Coins? What transactions are not included in earning Iskan Coins?
    Transactions that do not qualify for earning Iskan Coins include:

    - Cash withdrawals.
    - Fees and charges.
    - Transactions not posted to the card account.
    - Purchase transactions made at Gas stations.
    - The bank reserves the right to deduct Iskan Coins accumulated by the customer for successfully chargebacks transactions.
     
  • What are the official working hours for services provided by the Jordan Treasury Department? What are the official working hours for services provided by the Jordan Treasury Department?

    8:30 AM to 3:30 PM from Monday to Thursday, and from 10:00 AM to 3:00 PM on Friday.

  • What kind of services does HBTF offer in foreign exchange trading field? What kind of services does HBTF offer in foreign exchange trading field?

    - Providing an up to date foreign exchange prices expectations, economic indicators and financial data comes out from the leading economic countries

    - Offers customers the ability to exchange foreign currencies between their account through FX account to account service

    - Foreign exchange margin trading service

    - FX swaps and FX forward trading contacts

    - FX Options service

    - FX futures as well as options on futures contracts

    - Interest rate swaps

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

  • How can I start trading Foreign Currency Exchange (FX) and Precious Metals? How can I start trading Foreign Currency Exchange (FX) and Precious Metals?

    Through coordinating with your branch or through visiting the Jordan Treasury Department, located at the headquarters building.

  • What are the products and service that the Treasury and Investment Department at HBTF provides? What are the products and service that the Treasury and Investment Department at HBTF provides?

    The Treasury and Investment Department provides a various batch of financial services for the bank’s retail and corporate clients and these services are as follows:

    - FX and Precious Metals Trading

    - International Brokerage

    - Asset Management Services

    - Investment Services

    - Financial Advisory

    - Treasury Sales

    - Money Market Services

    - Wealth Management

  • What are the saving accounts prizes for 2025? What are the saving accounts prizes for 2025?

    •  Weekly Prize: 12 winners, Gold Lira for each one

    •  Monthly Prize (2,4,5,7,8,10,11/2025): 12 winners, Gold ounce for each one

    •  March Prize: 12 winners, 250gr of Gold for each one

    •  June Prize - semiannually: 12 winners, 500gr of Gold for each one

    •  September Prize: 12 winners, 250gr of Gold for each one

    •  End of Year Prize: 12 winners, 1kg of Gold for each one




     
  • What documents are required to get a personal loan? What documents are required to get a personal loan?

    - Valid national ID or valid passport for non-Jordanians

    - Latest Salary Slip

    - Social security subscription letter

    - Income verification letter

    - Bank statement for the last 6 months

    - Company registration certificate for entities, valid profession license, practice profession license, and association membership certificate

     
  • What is the minimum balance to participate in our 2025 savings account prize draw? What is the minimum balance to participate in our 2025 savings account prize draw?
    Starting from 200 JOD
  • How to join Iskan Youth program? 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
  • Can the father or mother control and manage the Iskan Young account for their child? 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? 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? 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? 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? What is the minimum balance fee on any of Iskan Young accounts?
    Iskan Young accounts are waived from minimum balance fee

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