All FAQs

نعم، يمكن الحصول على بطاقة ائتمان VISA-MasterCard بضمان الودائع وبسقف 90% من الوديعة، وبحد أقصى 10,000 دولار، مع إعفاء بطاقة الائتمان من عمولة الإصدار للسنة الأولى فقط. وتلغى البطاقة عند فك الوديعة.

يحصل العميل/ة على العائد بشكل شهري. علماً أنه إذا سحب العميل/ة جزءاً من الوديعة قبل الاستحقاق فإنه لا يخسر الفوائد على الجزء المسحوب وإنما يُعاد احتساب الفائدة حسب الشرائح العادية المعلنة للجمهور للودائع لأجل عند بداية ربط الوديعة أو عند استحقاقها أيهما أقل.

ويقر المدخر/ة بأن أسعار الفوائد المعلنة في البنك بتاريخ توقيع هذا الطلب متغيرة حسب أسعار الفوائد العالمية وسعر السوق المحلي، والبنك ملتزم بنسبة الفائدة المتفق عليها فترة ربط الوديعة فقط، وعند التجديد أو إعادة الربط يتم الاتفاق على نسبة فائدة أخرى حسب الأسعار المعلنة في حينه.

• The age of the borrower must be between 22 and 60 years old.
•  The project must be registered and licensed with the relevant authorities in Palestine.
•  The project must have been operational for at least two years for existing projects, and one year for new projects.

Bank of Palestine has developed these programs to bring together a comprehensive range of banking products and services with exclusive benefits tailored to the varying needs of different customer segments. This allows customers to choose the program that best suits their needs and make the most of the Bank’s products and services.

Visit any of our branches, contact the Call Center, or speak with our team through the Bank’s official communication channels to learn which program best suits your needs. You can also request enrollment by selecting Apply for a Program.

Block your card immediately through the Bank-e app or the Bank’s official communication channels, or contact our Call Center.

Yes. You can use your card to shop online securely, subject to the features and functionality available with each card.

You can easily check your card balance and view your transactions through the Bank-e app on your mobile device.

Review the features and repayment period of each loan to determine which option best meets your needs.

Repayment periods vary by loan type. Please refer to the details of each loan product for the applicable term.

Yes. Bank of Palestine offers a Personal Loan for University Students to cover semester tuition fees or outstanding amounts owed to the university. The Bank also offers the Israr Program for university students at a number of Palestinian universities under the Istidama Program, in cooperation with the Palestine Monetary Authority.

Yes. Bank of Palestine offers a dedicated program for financing energy-efficient equipment in partnership with Sbitany and Proparco.

Choose the loan that meets your needs and click Apply for a Loan or visit one of our branches.

• Jawwal Company
• Al Wataniya Mobile
• The Palestinian Telecommunications Company (PALTEL)
• The Jerusalem District Electricity Company (JDECO)
• The Hebron Electric Power Company (HEPCO)
• The Gaza Electricity Distribution Company (GEDCO)
• Hadara company for internet services
• Mada Al Arab company for internet services
• NetStream company for internet services
• The Coastal Municipalities Water Utility
• Gaza Municipality
• Jabalia Municipality
• Beit Hanun Municipality

Financing is available up to a maximum of ILS 25,000 per year.

1. أن لا يقل عمر الطالب/ة عن 18 عاماً.
2. أن يكون الطالب/ة منتظماً/ةً، ومسجلاً/ةً في الجامعة.
3. أن لا يكون الطالب/ة حاصلاً/ة على منحة كاملة (سواء من الجامعة أو من جهة خارجية).
4. توفير كفيل كفؤ.

1. صورة هوية الطالب/ة.
2. كتاب معتمد من الجامعة يوضح قيمة القسط السنوي للطالب/ة، وقيمة الفصل الدراسي الأول الذي سيتم تحويله للجامعة.
3. كتاب معتمد من الجامعة

الشروط 

للانضمام إلى برنامج المغتربين، ينبغي أن يتوفر معيار واحد على الأقل من المعايير التالية: 

• دولة العنوان الدائم خارجية 
• دولة العنوان الثانوي خارجية 
• دولة عنوان العمل خارجية 
• دولة أرقام التواصل مرتبطة بها خارجية 
• في حال كان مؤشر الإقامة غير مقيم  

To learn more about our graduates, click the links below:

- Eighth Cohort Booklet

- Seventh Cohort Booklet

Transaction limits depend on the card type and the limits set by the Bank. To check or change your limits, contact the Call Center or visit a branch.

The card can be used with the three primary currencies: ILS, USD, and JOD. Transactions are processed according to the card currency and the applicable exchange rates.

Purchases are charged to the card’s primary currency. You can manage the card’s primary currency through the Bank-e app.

Make sure your card is valid and check the primary currency linked to it.

3D Secure is an additional security feature for online purchases that requires a verification code sent to your mobile phone to securely complete the transaction.

Visit any Bank of Palestine branch or office. Instant card issuance is also available at branches.

Bank of Palestine customers with a Current Account or Savings Account.

Apply at your nearest Bank of Palestine branch or office.

Activate your card at a branch or through the Bank-e app.

At stores, online, and at ATMs in Palestine and worldwide.

Yes. You can use it for online purchases easily and securely.

Yes, up to the available balance on the card.

Reload your card at Bank of Palestine ATMs or transfer funds from your account balance through the Bank-e app.

Yes. You can track them through the Bank-e app or at Bank of Palestine ATMs.

No. There are no purchase fees.

No. Cash withdrawals in Palestine are fee-free.

Yes. The card is equipped with advanced security features.

Immediately stop your card through the Bank-e app or by calling our call center at 1700 150 150.

Eligible merchants, companies, and business owners can use the service, subject to its requirements and terms.

Yes. The payment gateway is primarily designed to integrate with websites and online stores. If you do not have a website, you can use the Payment Links service.

You can accept payments using supported local and international cards, subject to the service scope and applicable terms.

Businesses across all sectors, including contracting and general contracting companies, provided that contractors submit an assignment of receivables and the project contract.

The facility amount is determined based on the project contract.

Yes, provided that a feasibility study is available and the applicant has the necessary experience to manage the business.

No, except for foreign companies seeking to invest in Palestine after obtaining the required licenses.

Yes. Financing is available for existing businesses.

Yes, provided that the required licenses have been obtained.

Yes, provided that the required licenses have been obtained.

Large companies and SMEs, whether established or under development, across all sectors.

• Account activity commensurate with the requested facility amount.
• An acceptable credit report.
• The facility must be used to finance operating expenses.

Public-sector employees, private-sector employees, and self-employed individuals.

Yes. You can benefit from all types of loans and cards at preferential rates.

• The exclusive Premier Debit Card for Bank of Palestine Premier customers.
• Credit cards with limits and benefits tailored to your needs.
• EasyLife Card for local purchases.

• Internet Banking.
• Pay bills and university tuition.
• Top up mobile credit.
• Make local and international transfers.
• View your accounts.
• View, reload, and make payments to your cards

US dollars, Jordanian dinars, euros, and Israeli shekels.

Your Debit Card is issued immediately after you open the current account.

Any legally competent natural person who holds a Palestinian ID or Jerusalem ID and does not have an active, dormant, or joint bank account with any bank licensed to operate in Palestine. Applicants must be over 18 and have very low or no income.

No. There is no minimum balance requirement when opening the account.

Yes. Account holders may obtain a prepaid card subject to the applicable terms and conditions.

No. Checkbooks are not available with the Financial Inclusion Account.

No. The Financial Inclusion Account is not eligible for any type of credit facility.

• Internet Banking and the Bank-e app.
• Pay bills and university tuition.
• Top up mobile credit.
• Make local and international transfers.
• View your accounts.
• View, reload, and make payments to your cards.

US dollars, Jordanian dinars, euros, and Israeli shekels.

Your Debit Card is issued immediately after you open the current account.

Yes

No

No

No. Until the age of 18, the account may only be managed by the father, mother, guardian, or legal custodian.

No. The Children’s Savings Account does not earn interest. An interest-bearing children’s account is offered under the Baraem Savings Account.

تواصل مميز مع عملائنا

• فريق دائرة العملات الأجنبية معكم في جميع أيام الأسبوع باستثناء يوم السبت فقط.
• من الساعة الثامنة صباحاً إلى الساعة الثامنة مساءً (الإثنين الى الخميس).
• من الساعة الواحدة بعد الظهر إلى الساعة الثامنة مساءً (الجمعة).
• موظفي العملات الأجنبية في الفروع متواجدون لتسهيل احتياجاتكم من العملات الأجنبية.
• خدمات العملات الأجنبية متوفرة عبر خدماتنا الالكترونية بشكل متواصل

You can make instant transfers to local banks and e-wallets through iBURAQ, up to a daily limit of USD 30,000 and a maximum of USD 10,000 per transaction.

You can make international transfers in all foreign currencies.

Bank of Palestine offers a range of digital payment solutions, including QR Code Payments, the E-Commerce Payment Gateway, POS terminals, and SoftPOS.

First, create a user profile (digital identity) through the iDplus app, then link it to the Bank-e app.

To learn how to link iDplus to the Bank-e app, select How to Link iDplus to the Bank-e App.

No. You can use Payment Links to accept digital payments without a website.

You can share a payment link with your customer via WhatsApp, SMS, email, or any other communication channel.

The customer opens the payment link, enters the required card details, and completes the transaction on the secure payment page.

No app download is required. Customers can open the link and complete their payment directly.

Yes. The service allows you to accept digital payments around the clock.

Yes. Payments are processed in a secure online environment designed to protect payment data and transactions.

You can track payments and their status through Bank of Palestine’s LAHZA platform.

The service is suitable for merchants, business owners, and service providers who want a simple, flexible way to accept digital payments, whether or not they have a website.

You can apply through the Bank of Palestine website. We will then contact you to complete the registration process and requirements.

No documents are required. Applications are submitted directly through the Bank-e app.

No. Only one advance can be obtained per month.

The Bank’s head office is located in Ain Misbah, Nazlet Al-Mahkama, Ramallah.

The Bank’s authorized share capital is USD 350 million, while its subscribed share capital is USD 279,537,510.

• Note: These amounts are subject to any changes approved in accordance with applicable laws and regulations and the Bank’s official disclosures.

The trading currency is US dollars. Each share has a nominal value of USD 1.

The nominal value is the value assigned to a share when it is issued. The market value is the price at which the share trades on the exchange, determined by supply and demand.

By opening an account with a brokerage firm supervised by the Palestine Exchange and the Palestine Capital Market Authority. Share purchases and sales are then carried out through the brokerage firm.

You can obtain confirmation of your share ownership from the Palestine Exchange. Your broker can also provide an account statement showing the number of shares you hold.

The minimum number of shares that can be purchased is one share.

Share prices can be tracked via the trading screen on the Palestine Exchange website or through brokerage firms. Bank of Palestine’s share price is also available on the Bank’s website: https://www.bop.ps/en/investor-relations/factsheet/bankstock

If dividends are declared, they are distributed following the General Assembly’s approval of the Board of Directors’ recommendation at the Annual General Meeting, in whichafter the Bank presents its business and financial results to shareholders.

The Bank generally distributes dividends annually, except in emergency situations or exceptional circumstances beyond its control.

Once dividend distribution is approved, bonus shares are credited to shareholders’ holdings through the Palestine Exchange.

Cash dividends are deposited into shareholders' bank accounts previously registered with the Bank, distributed through the Bank's branches nationwide, or disbursed by contacting the Investor Relations Department and submitting a dividend disbursement form along with proof of identity via the shareholder's registered email address.

A shareholder submits a request to the Investor Relations Department to register and validate their account details, either in person or via the Department's registered email address.

The shareholder’s heirs should submit a dividend distribution request to the Investor Relations Department, either directly or through the branch. The request must include:

• A duly certified death certificate.
• A duly certified certificate of inheritance issued by a competent judicial authority.
• Identification documents for the heirs.

The Department will then arrange for the dividends to be distributed to the heirs in accordance with the applicable procedures.

1- Annual General Meeting

The Board of Directors invites shareholders to an Annual General Meeting once a year. Shareholders may attend in person or appoint another shareholder as their proxy.

Shareholders receive an invitation, an agenda setting out the Board’s recommendations for approval, and the annual report for review. The meeting addresses ordinary business, including dividend distributions, presentation of the annual report, and appointment of the Bank’s external auditor.

Shareholders may vote on their own behalf and on behalf of shareholders who have appointed them as proxies. Voting rights are based on the number of shares each shareholder owns or represents. Voting takes place by a show of hands or another method determined by the chair of the meeting.

The meeting has a valid quorum when shareholders representing more than half of the Bank’s subscribed share capital are present. If a quorum is not reached, a second meeting is called within the period prescribed by law. A lower quorum applies to the second meeting, as provided for under the applicable Companies Law.

2- Extraordinary General Meeting

An Extraordinary General Meeting may be called to decide on matters such as:

• Increasing or reducing the Bank’s share capital.
• Amending the Bank’s articles of association.
• Merging with another company or dividing the company.
• Converting the company to another legal form.
• Dissolving and liquidating the company.
• Removing the Board of Directors or any of its members.
• Removing the company’s auditor.
• Issuing convertible bonds.
• Approving major transactions involving the acquisition or disposal of significant assets.

An Extraordinary General Meeting has a valid quorum when shareholders representing at least 50% of the company’s share capital are present. Resolutions require the approval of more than 75% of those present.

If a quorum is not reached at the first meeting, a second meeting is called with a reduced quorum in accordance with the applicable Companies Law.

Note: This is a general summary of the meeting procedures. The applicable Companies Law and the Bank’s articles of association remain the full and binding legal references in the event of any discrepancy or where further detail is required.

1- Through communication channels between shareholders and the Bank, including email, phone, or in-person visits:

Bank of Palestine website: https://www.bop.ps/ar/personal

Investor Relations page: https://www.bop.ps/ar/investor-relations

Investor Relations email: [email protected]

2. Through the Palestine Exchange website: The Palestine Exchange website publishes information on listed companies. The Bank uses this platform to disclose the dates of Board and general meetings, as well as material information that may affect the Bank or its shares.

The Investor Relations Department can be reached by email at: [email protected].

The following reports are available:

• Annual reports.
• Investor presentations.
• Quarterly financial results press releases, availableon the Bank’s website: https://www.bop.ps/ar/investor-relations/financial-results

The Bank’s ticker symbol on the Palestine Exchange is BOP. Its International Securities Identification Number (ISIN) is PS1004112600.

Free float is the percentage of a company’s shares available for public trading. It generally excludes shares held by major shareholders, founding entities, or strategic investors in the public or private sector, in accordance with the criteria and methodology adopted by the Palestine Exchange.

The Palestine Capital Market Authority regulates the Palestine Exchange and share trading.

The Bank’s fiscal year runs from 1 January to 31 December of each year.

Visit your nearest Bank of Palestine branch or office.

Through the Bank-e app.

Local and international purchases, online shopping, cash withdrawals, and exclusive travel benefits.

At millions of merchants and POS terminals worldwide.

Submit a request at your nearest branch.

The card is valid for five years from the date of issuance.

The card is valid for five years from the date of issuance.

Yes. Supplementary cards are available for family members, subject to the Bank’s policy.

Yes. You can also view and print your account statement.

Yes, you can easily monitor your balance and transactions through the app.

Collateral requirements are determined in accordance with the Bank’s credit policy.

Contact your nearest branch or the Call Center.

• Proof of income.
• A separate title deed for the property.
• Sale and purchase agreement.
• Statements for all bank accounts.
• Property valuations from two approved appraisers.
• Any other documents required depending on the case

Yes. A copy of the receipt confirming payment of the property down payment must be provided.

40

• Copies of the identification documents of the borrower and guarantors.
• A recent credit report.
• Bank statements covering at least 6 months if the account is held with another bank.
• Confirmation from the business owner stating the employee’s salary, length of employment, salary payment method, and recommendation for the loan.
• Proof of salary through vouchers, invoices, checks, or receipts, where available.
• Two gold valuations if the loan is granted against gold as collateral.

The program supports professionals, tradespeople, and owners of micro and small businesses across all sectors whose businesses have been affected by deteriorating economic conditions.

• Proof of how long the business has been operating.
• Proof of profession, such as a letter from a municipality or local council, a lease agreement, or invoices.
• Bank statements covering at least 6 months if the account is held with another bank.
• A quotation or relevant agreements.
• Sales and purchase invoices.
• Photos of the business to be financed.
• Proof of family income, where applicable.

• Copies of the identification documents of the business owner (borrower) and guarantors.
• A recent credit report.
• Proof of business, such as a lease agreement, references, confirmation from a village council, municipality, or recognized mukhtar, or sales or purchase invoices.
• Bank statements covering at least 6 months if the account is held with another bank.
• The loan may also be granted against gold as collateral.

The program provides financing to workers who have lost their jobs across all areas, enabling them to start their own businesses or develop existing ones.

• Copies of the identification documents of the business owner (borrower) and guarantors.
• A recent credit report.
• Bank statements covering at least 6 months if the account is held with another bank.
• Proof of business, such as a lease agreement, references, confirmation from a village council, municipality, or recognized mukhtar, or invoices.
• Two gold valuations if the loan is granted against gold as collateral.

• Quotations.
• A lease agreement or proof of ownership of the business premises.
• A valid business license issued by an official authority.
• Financial statements.

• Quotations.
• A lease agreement or proof of ownership of the business premises.
• A valid business license issued by an official authority.
• Financial statements.

• Copies of the identification documents of the business owner (borrower) and guarantors.
• A recent credit report.
• Bank statements covering at least 6 months if the account is held with another bank.
• Proof of business, such as a lease agreement, references, confirmation from a village council, municipality, or recognized mukhtar, or invoices.
• Two gold valuations if the loan is granted against gold as collateral.

If the property is not ready for occupancy, the loan is disbursed in stages in accordance with the applicable law governing the sale of residential apartments and the protection of purchasers’ funds.

Yes. A one-time 1% loan origination fee is payable upfront.

Yes. A grace period of up to 3 months is available.

• Copies of the borrower’s and guarantors’ identification documents.
• Sales and purchase invoices, where available.
• For an existing business, a report detailing the damage sustained and the expected impact of the financing on the business.
• For new businesses, certificates demonstrating at least 3 years of relevant experience.

• Proof of how long the business has been operating.
• Proof of profession and documentation confirming that the borrower operates an existing business.
• Proof that the loan is used for its stated purposes.
• Proof of other business income or income from other family activities sufficient to cover the monthly installment, where applicable.

• Documents proving ownership of the business.
• Copies of the identification documents of the owner or partners, authorized signatories, and guarantors.
• Certified financial statements.
• Sales and purchase invoices.
• A valid business license or other proof of profession.
• Lease agreement.

Select card payment, enter your card details, and confirm the transaction using the one-time password (OTP) sent to the mobile number registered with the Bank.

Download the Mastercard Travel Pass app and register your card to view available offers and access eligible airport lounges.

You can make purchases in currencies worldwide.

USD

• Download the Mastercard Travel Pass app from Google Play or the App Store.
• Register your Mastercard.
• Find nearby lounges and check your eligibility for complimentary access.
• Generate the QR code in the app and present it to the lounge reception staff.
• Alternatively, present the membership number shown in the app.

3D Secure is an additional security feature for online purchases. It requires you to enter a verification code sent to your mobile phone to securely complete the transaction.

Yes. The POS terminal accepts all Visa and Mastercard cards.

The POS terminal remains the property of the Bank at all times.

Yes. For inquiries or technical support, contact the PalPay Merchant Services team at 0562900919.

Yes. You can obtain a Visa or Mastercard credit card secured against your deposit, with a credit limit of up to 90% of the deposit value, subject to a maximum of USD 10,000. The card issuance fee is waived for the first year only. The card will be canceled when the deposit is withdrawn.

Interest is paid monthly. If you withdraw part of the deposit before maturity, you will not forfeit the interest on the amount withdrawn. Instead, the interest will be recalculated based on the Bank’s standard publicly available Fixed-Term Deposit rate tiers applicable either when the deposit was originally placed or at maturity, whichever is lower.

Interest rates published by the Bank at the time the deposit is placed are subject to change based on global interest rates and local market conditions. The Bank is bound by the agreed interest rate only for the deposit term. Upon renewal or reinvestment, a new interest rate will be agreed based on the rates applicable at that time.

No. You can also place your deposit in Israeli shekels or Jordanian dinars.

Interest is credited monthly.

إذا قرر المدخر/ة سحب الوديعة أو جزء منها في أي وقت قبل تاريخ الاستحقاق فإنه يتم استرداد الفائدة المدفوعة له سلفاً، ويفوض المدخر/ة البنك بخصم تلك الفائدة من حسابه/ها لدى البنك مباشرة ودون الرجوع إليه/ها، ويسقط المدخر/ة حقه/ها في الاعتراض على ذلك مقدماً.

يتم دفع الفائدة مباشرة من تاريخ ربط الوديعة وحسب الفائدة المحددة والمعلنة بتاريخ ربط الوديعة، مع العلم أن أسعار الفوائد المعلنة في البنك بتاريخ توقيع هذا الطلب متغيرة حسب أسعار الفوائد العالمية وسعر السوق المحلي، والبنك ملتزم بنسبة الفائدة المتفق عليها فترة ربط الوديعة فقط، وعند التجديد أو إعادة الربط يتم الاتفاق على نسبة فائدة أخرى حسب الأسعار المعلنة في حينه.Bottom of Form

If you withdraw all or part of the deposit at any time before the maturity date, the interest paid upfront will be recovered. You authorize the Bank to deduct this amount directly from your account without prior reference to you and waive in advance your right to object to such deduction.

Interest is paid upfront from the date the deposit is placed, at the rate specified and published on that date. Interest rates published by the Bank are subject to change based on global interest rates and local market conditions. The Bank is bound by the agreed interest rate only for the original deposit term. Upon renewal or reinvestment, a new interest rate will be agreed based on the rates applicable at that time.

Interest is paid at maturity, upon completion of the deposit term. If you withdraw part of the deposit before maturity, you will forfeit the interest on the amount withdrawn. If you withdraw the full deposit before maturity, you will forfeit all interest.

Interest rates published by the Bank at the time the deposit is placed are subject to change based on global interest rates and local market conditions. The Bank is bound by the agreed interest rate only for the original deposit term. Upon renewal or reinvestment, a new interest rate will be agreed based on the rates applicable at that time.

On iPhone with Face ID: Use your iPhone to authenticate the payment with Face ID and complete the transaction through Apple Pay.

On iPhone with Touch ID: When making a payment, authenticate using Touch ID, then hold your iPhone near the payment terminal.

On Apple Watch: Use your Apple Watch to make payments with Apple Pay.

For in-app purchases: Select Apple Pay as your payment method.

To view compatible devices, select Click Here.

To view the terms and conditions, select Click Here.

• Log in to the Bank-e app.
• Select E-SADAD.
• Select the service of the biller you want to pay.
• Tap the “+” icon.
• Enter the required information.
• Check that the information is correct, then tap “Add.”
• A confirmation message will appear once the process has been completed successfully.

You will receive a notification or confirmation message from the financial institution through which the payment was made, such as the Bank or a payment service provider. You can also repeat the inquiry to verify that the bill has been paid, or check through the electronic services provided by the financial institution through which you made the payment.

• Log in to the Bank-e app.
• Select E-SADAD.
• Select the service of the biller you want to inquire about.
• Enter your service identification number.
• Check that the information is correct, then tap “Pay.”
• A confirmation message will appear once the payment has been completed successfully, provided you have sufficient funds.

Yes

Israeli shekels, US dollars, and Jordanian dinars.

No.

Yes.

Yes.

Card transactions are credited to the merchant’s account within one business day. QR code transactions are credited instantly to the merchant’s PalPay wallet.

Yes. This can be arranged with PalPay by creating additional merchant sub-accounts.

Contact Customer Service at 1700 150 150.

• Open a current account with the Bank.
• Sign the SoftPOS service application form.
• Sign a merchant agreement.
• Provide proof of profession related to the business activity.

No. You must have a current account or convert your existing account to a current account.

• All commercial sectors
• Travel agencies and tourism service providers
• Hotels
• Restaurants
• Supermarkets
• Clinics
• Cafés

No.

Yes.

• Jawwal
• Wataniya Mobile
• Palestine Telecommunications Company
• Jerusalem District Electricity Company
• Hebron Electric Power Company
• Gaza Electricity Distribution Company
• Hadara Internet Services
• Mada Al-Arab Internet Services
• NetStream Internet Services
• Coastal Municipalities Water Utility
• Gaza Municipality
• Jabalia Municipality
• Beit Hanoun Municipality

Yes. An internet connection is required when making the payment through the Bank-e app.

• Log in to the Bank-e app, select Cards, then tap Bank-e Pay for the card you want to use.
• Authenticate the payment using your fingerprint or your phone’s PIN.
• Hold your phone near the POS terminal.

The amount will be deducted immediately, and a confirmation message will appear in the Bank-e app and on the merchant’s POS terminal.

• Select Cards from the Bank-e app home screen.
• Accept the terms and conditions.
• Tap Add to Bank-e Pay.
• Select the card you want to add.

International Bank Guarantees are available for most countries worldwide.

International Bank Guarantees can be issued in all currencies.

This depends on the country from which the goods are being imported.

Documentary Collections are available in all currencies.

• Internet Banking and Mobile Banking.
• Pay bills and university tuition fees.
• Top up mobile credit.
• Make local and international transfers.
• View your accounts.
• View, reload, and make payments to your cards.

US dollars, Jordanian dinars, euros, and Israeli shekels.

Dealership, imported, and used vehicles are eligible for financing.

Yes. Non-Bank of Palestine customers may be eligible for financing of up to 85%, subject to the Bank’s policy.

This depends on the individual case. Financing of up to 100% is available in many cases.

• Proof of employment.
• Vehicle quotation.
• Sale and purchase agreement for a used vehicle.
• Vehicle valuation and inspection report for a used vehicle.
• Six-month bank statement if your salary is transferred to another bank.

It is a procedure to protect online purchases through your bank cards issued by Bank of Palestine. When entering your card details for purchase, you will be redirected to a page.

• The customer must inform the bank of their travel plans via the call center to ensure the card's validity and functionality.
• Ensure that the destination country is not on the blacklist of Bank of Palestine.
• If the destination country is blacklisted, the customer must visit the nearest branch before traveling. The card can be activated for use in the destination country at the customer's risk, and a new card will be issued upon return.

- The cost of issuing a Cash Card valid for two years or the re-issuance of a new card is USD 5.

- The commission for re-charging the card is 1.5% maximum 5 USD of the value of the prepaid amount.

- The commission for cash withdrawal outside Bank of Palestine ATM network is 2% from the transaction amount plus USD 3 as a fixed commission per transaction.

Customers may monitor their expenses and issue mini statements through online banking or through ATMs.

Customer can recharge their cards by depositing cash in ATMs or by transferring money from their bank account to their card account, or through internet banking of Bank-e mobile application. Cards may also be recharged from anywhere around the world using Visa Money Transfer.

• Proof of membership in the relevant professional association or syndicate, for professionals and tradespeople.
• A valid business license.
• Certificates demonstrating at least 5 years of experience in the relevant business sector.

US dollars, Jordanian dinars, euros, and Israeli shekels.

Your debit card is issued immediately after you open a Current Account.

Submit an official letter from your employer confirming the transfer of your monthly salary.

Choose the contact method that works best for you. Our team is ready to assist you and answer your questions from anywhere in the world.

Contact the team serving Palestinians abroad: [email protected]

To access Diaspora Banking services, you must provide proof that you reside or are present outside Palestine for at least six months of the year, in accordance with the bank’s eligibility criteria.

You can access all banking services available to customers in Palestine through a dedicated customer service team and remote communication channels, allowing you to meet your banking needs from outside Palestine.

Funds are credited to your Bank of Palestine account on the second business day.

You can transfer funds to local banks and e-wallets through iBURAQ.

You can easily pay bills, fees, and subscriptions through E-SADAD or Automatic Payment Services.

You can choose from a range of digital payment solutions, including Bank-e Pay, QR Code Payments, and Apple Pay, depending on the service available.

You can monitor your expenses and issue account statements either through online banking or the nearest ATM.

• Open a bank account
• Fill out an application at the nearest Bank of Palestine office or branch.

Bank of Palestine customers who meet the card eligibility requirements.

Installment periods range from 3 to 36 months.

No. Installments are interest- and fee-free.

At participating merchants with Bank of Palestine POS terminals.

Yes, subject to the available card limit.

Yes. You can make an early repayment at any time.

Yes. Your credit limit becomes available again after the installments due have been paid.

Yes. You can track your installments and card transactions through the Bank-e app.

Yes. The card is protected by a PIN

No. You can pay for your purchases in installments directly with the card.

Immediately stop your card through the Bank-e app or by calling our call center at 1700 150 150.

• You must be subscribed to electronic payment services and have had a POS terminal installed for at least 6 months.
• Monthly sales through POS terminals or other electronic payment services must exceed ILS 5,000.

You can transfer money through Internet Banking, the Bank-e app, or at any of our branches. Transfers can be made between your own accounts or to local and international beneficiaries, subject to Bank procedures and applicable transfer limits.

Register for Internet Banking through the Bank of Palestine website or by visiting one of our branches. Once the service is activated, you can securely log in with your username and password to check your balances, transfer funds, and manage your accounts anytime.

You can open a Bank of Palestine account by visiting one of our branches or through our available digital channels. Opening an account is simple and requires a valid ID and the necessary information. Once your account is activated, you can access ATMs and our digital banking services.

• Copies of the identification documents of the applicant and guarantors.
• A recent credit report for the applicant and guarantors, issued no more than 1 month before the application date.
• Bank statements covering at least 6 months if the account is held with another bank.
• Proof of how long the business has been operating.
• Proof of profession, such as a letter from a municipality or local council, a lease agreement, or invoices.
• Sales and purchase invoices, where available.

• The fisherman applying for the loan should be a member of Al Tawfiq Fishermen Cooperative for at least one year.
•  The project should be registered at the Ministry of Agriculture and the Ministry of Transportation.
•  The fisherman should have at least once year experience, since he/she is the owner of the fishing project subject to financing.
•  The fisherman’s age should be minimum 22 years old and maximum 60 years old when paying the last installment.

• Provide one guarantor for a loan up to $5,000, or two guarantors for a loan over $5,000.
•  In the absence of guarantors, applicants may mortgage a car or their boat, by providing an insurance policy endorsed for Bank of Palestine, or obtain a loan with a gold guarantee.
•  A fisherman guarantor is acceptable, provided that he/she is a member at Al Tawfiq Fishermen Cooperative for at least one year, or a guarantor on a loan application.

Under an agreement between Bank of Palestine and the French Development Agency, eligible beneficiaries receive a grant calculated as a percentage of the loan amount.

Yes, provided that approval is obtained from the electricity distribution company holding the concession for the area and that the property meets the required technical criteria.

• Property ownership certificate
• A technical study for the project, business premises, or home
• Quotations
• Certificate of experience for energy generation projects
• Electricity bills for the previous 6 months.

• Guarantors whose salaries are transferred to Bank of Palestine.
• Merchants with accounts in good standing with Bank of Palestine.
• Gold pledged as collateral.
• Vehicles pledged as collateral.
• Deposits held as collateral.
• Mortgaged real estate.
• Shares pledged as collateral.
• Any type of collateral by the Bank, in accordance with the approved collateral policy.

Yes, it is important to obtain approval from the designated electricity company in your region, and the establishment should be technically certified.

• Real estate ownership certificate.
• A technical study for the project, establishment, or home.
• Price quotations
• Certificate of experience for energy-generating projects
• A statement of electric bills over a period of six months

• Guarantors whose salaries are transferred to Bank of Palestine.
• Merchants who have good credit history at Bank of Palestine.
• Gold mortgage
• Car mortgage
• Term deposits
• Property mortgage
• Stock mortgage
• Any other collaterals in conformity with the bank’s policy

An agreement between the Bank of Palestine and the French Development Agency, upon which loans, technical consultations, and grants are provided to beneficiaries as a percentage of the loan value.

• Proof of salary
• Real estate registration documents (title deeds).
• Purchase-sale agreement
• All bank account statements
• A report on the property to be financed submitted by two accredited appraisers at the Palestine Capital Market Authority.
• All other necessary documents

• The salary of the customer, the movement of the borrower's account, and/or its partner.
• If the customer and/or their income partner are employees of other banks, they will be signed checks at the value of the loan and interest, and we will need to be provided with the approval of the bank in which they are borrowing our party.
• Mortgage the property is subject to a first-class principal in favor of the bank at the value of the loan and interest.
• At least one sponsor in some cases

Transfers can be made in all currencies.

No. The service is not available for transfers to banks or e-wallets outside Palestine.

No. There are no fees for transfers made through the service.

Yes. You can receive transfers using your account IBAN or, for transfers to an e-wallet, your mobile number.

• Access the card service through the main screen of our banking application.
•  Accept the terms and conditions.
•  Press the 'Add to Bank-e Pay' button.
•  Select the card you wish to add.

There is no minimum or maximum transfer amount.

A Current Account with Bank of Palestine.

You can:

• Check your account balance.
• Review your latest account transactions.
• Request a checkbook.
• Transfer funds between your own accounts.
• Top up mobile credit.
• Pay bills.

• A copy of the applicant's ID and copies of the guarantors' IDs.
•  A price quotation for the goods or equipment intended to be purchased.
•  3.rental contracts, if applicable.
•  Proof of occupation and evidence of an existing project within Jerusalem City.

•  أن يكون المقترض فلسطينيا ً مقدسيا ً ولديه مشروع داخل مدينة القدس أو القرى والبلدات التابعة
•  أن لا تزيد نسبة التعثر عن 20%.
•  ألا يكون المشروع من مشاريع إنتاج التبغ والدخان والقمار واليانصيب وما في حكمها.
•  ألا يكون على المقترض أو المشروع أقساط مستحقة.
•  توفر دخل شهري وتدفق نقدي من المشروع كافية لتغطية القسط الشهري للقرض.
•  أن يقدم المقترض / المشروع ما يثبت أستخدام القرض للغايات التي حصل عليها.
•  أن يتوفر ما يثبت وجود مشروع قائم للمقترض.
•  توقيع الشركاء متكافلين متضامنين
•  أن يكون مقدم الطلب مالكاً للمشروع او يملك نسبة لا تقل عن 51% فيه ويديره بنفسه لمدة لا تقل عن عام.
•  ألا يقل عمر المقترض عن 22 عام.

Yes. You can enroll all your children under the age of 18.

No funds can be withdrawn or otherwise accessed unless the subscription is canceled.

No. As this is a savings-only account, the only transactions permitted are the monthly contributions.

• The customer provides the Letters of Credit Department with the required information, such as a pro forma invoice, quotation, or contract with the exporter.
• The Bank reviews the submitted documents and completes the Letter of Credit application in accordance with the applicable procedures.
• The customer’s credit position is reviewed in accordance with the Bank’s policy.
• Once the customer’s application is approved by the General Management, the Letter of Credit is issued and advised to the beneficiary/exporter abroad.

Letters of Credit can be opened in all currencies.

This depends on the country from which the goods are being imported.

• copy of identification for both the loan applicant and the guarantors.
• A residency certificate for a period of no less than 3 years from the local authority within the residential area.
• Proof of the project's profession and age (municipal certificate, local council document, lease agreement, or invoices).

•  The borrower must be at least 22 years old and not older than 60 years at the time of the last installment payment. The borrower must be a Palestinian citizen and have been a resident in Palestine for at least 3 years.
•  The project should be registered with one of the official departments, institutions, or Palestinian associations (such as municipalities, village councils, service committees, or any other entity)
•  The project workforce must range from 1 to a maximum of 9 employees, and the project's annual sales rate must not exceed $200,000.
•  The applicant must be the owner of the project or possess ownership of no less than 51%, based on the 'Start-Up' policy. New projects can also be targeted, provided a minimum experience of 3 years.

Interest is calculated on the used balance and credited at the end of each month

Yes. All regional and international transfers are protected by 3D-Secure technology and real-time, AI-powered fraud detection systems, with full compliance with international standards.

We offer tailored financing solutions, including working capital and equipment loans, with financing of up to 85% of the project cost. Our relationship managers provide strategic financing solutions designed to support your business expansion efficiently.

The loan amount can be up to USD 150,000.

For employees, the maximum age is 70 at the time of the final installment, subject to the nature of the customer’s employment and the employer’s internal regulations. For self-employed customers, the maximum age is 65 at the time of the final installment.

For Personal Loans for Housing, property insurance is required only when the loan amount exceeds USD 80,000 or its equivalent in other currencies.

• A regular salary for at least three months.
• Private-sector employees must have been confirmed in their position for at least one year; public-sector employees must have confirmed employment status.
• The debt burden ratio must remain within the limits permitted under Palestine Monetary Authority regulations.
• The customer must be no older than 70 at the time of the final installment for public-sector employees, and no older than 65 for private-sector employees.

Register for Internet Banking through the Bank’s website or by visiting one of our branches. Once the service is activated, you can securely log in with your username and password to check your balances, transfer funds, and manage your accounts at any time.

You can transfer funds through Internet Banking, the Bank-e app, or by visiting one of our branches. Transfers can be made between your own accounts or to local and international beneficiaries, subject to the Bank’s procedures and approved transfer limits.

Use the Branch Locator on the Bank of Palestine website or the Bank-e app to find our branches and ATMs and check opening hours and available services before your visit.

Transaction limits depend on the card type and the limits set by the Bank. To check or change your limits, contact the Call Center or visit a branch.

The card can be used with the three primary currencies—ILS, USD, and JOD. Transactions are processed according to the card currency and the applicable exchange rates.

Purchases are charged to the card’s primary currency. You can manage the card’s primary currency through the Bank-e app.

Make sure your card is valid and check the primary currency linked to it.

3D Secure is an additional security feature for online purchases that requires a verification code sent to your mobile phone to securely complete the transaction.

Visit any Bank of Palestine branch or office. Instant card issuance is also available at branches.

Yes, all types of cards issued by VISA and MasterCard are accepted.

The bank maintains ownership of all POS devices.

• Customers should have a current bank account.
•  Proof of relationship between the commercial activity and the store ownership.

• Open a current account.
• A fixed landline exclusively for the service.
• Fill out an agreement form at one of the bank branches.
• Accept the general terms and conditions.

You can make deposits in US dollars, Jordanian dinars, and Israeli shekels.

No. You do not need to open a Current Account when opening a Savings Account.

Bank of Palestine regularly launches Savings Account campaigns offering opportunities to win a range of valuable prizes.

No. The Savings Account does not earn interest.

No. An initial deposit is not required.

• Salary deposit.
• Withdraw money from the account through the bank branch or through the Automated Teller Machines (ATMs).
• Make account deposits.
• Transfer between accounts.
• Receive notifications about incoming and ongoing bank transfers.
• Receive reminders about maturity dates of letters of credit, fixed deposits, letters of guarantee, and overdraft facilitations.
• Receive notifications about the due dates of loan installments.
• Obtain information about exchange and interest rates.
• Receive information about the automated deduction of bills.
• Receive notifications about withdrawn cheques.
• Instant account balance.
• Receive notifications about purchases made at Points of Sale (POS).
• Receive notifications about account overdrafts.
• Receive reminders about cheque due dates.
• Receive notifications about bounced cheques.

You can subscribe to services immediately after opening an account.

For financing outstanding university debt, provide an official letter from the university stating the amount owed by the student.

For semester tuition financing, provide a university-certified enrollment certificate stating the number of registered credit hours and the amount due.

A guarantor whose salary is transferred to Bank of Palestine is required.

Contact the Call Center at 1700 150 150, or follow the steps in the Bank-e app settings to obtain your password.

Yes. Access to the service requires a PIN, which you can request through the Bank-e app.

To give customers access to Bank of Palestine’s digital services without requiring an internet connection or a smartphone.

Apply at your nearest Bank of Palestine branch or office.

Enjoy unlimited complimentary airport lounge access for the cardholder and one guest, along with exclusive offers and discounts on hotel bookings and car rentals, purchase protection, and a range of additional benefits.

You can use your card locally and internationally at POS terminals and ATMs, as well as for online purchases.

Submit a request at your nearest branch.

Yes, subject to the Bank’s policy.

Yes. You can use it at POS terminals in retail outlets, at ATMs, and online.

Yes. The card can be used worldwide.

Yes, at any time.

Contact your branch or the Call Center.

Yes. You can change your PIN at Bank of Palestine ATMs.

You can make purchases in currencies worldwide.

Block your card immediately through the Bank-e app or contact the Call Center.

Travel insurance, purchase protection, and extended warranty coverage.

A program offering exclusive benefits and special offers when booking hotels.

Through the Visa Airport Companion (VAC) app.

A personal assistance service for travel, reservations, and lifestyle needs.

The cardholder and one guest receive complimentary unlimited lounge access through the Visa Airport Companion (VAC) app, provided an international or online purchase of at least USD 5 is made within 10 days before lounge access. Eligibility remains valid for 90 days.

It extends the warranty on eligible products for up to one additional year.

Coverage against theft or damage for eligible purchases.

Protection against unauthorized transactions, subject to Visa’s terms.

Register through the Visa Dine and Travel app to access available offers.

Visit your nearest Bank of Palestine branch or office.

Through a branch or the Bank-e app.

Submit a request at your nearest branch.

The card is valid for five years from the date of issuance.

Yes, subject to the Bank’s policy.

Yes, at any time.

Contact your branch or the Call Center.

Yes. You can change your PIN at Bank of Palestine ATMs.

You can make purchases in currencies worldwide.

A program offering exclusive benefits and special offers on hotel bookings.

A personal assistance service for travel and restaurant reservations and other personal services.

Up to 12 visits per year, subject to meeting the eligibility requirements.

It extends the warranty on eligible products for up to one additional year.

It extends the original warranty on eligible products for up to one additional year.

Coverage against theft or damage for eligible purchases.

Protection against unauthorized transactions, subject to Visa’s terms.