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ila is a completely digital banking app. Powered by Bank ABC, it’s a new type of bank account – one that’s built around you. Your life. Your needs.

You can join in minutes – simply download the app from either the Android or IOS store and answer a few simple questions. You can control every aspect of your account from within the app – no branch visits required!

The name 'ila' is inspired by the Arabic word for 'to'. It reflects movement towards goals and ambitions. A bank that helps customers get from where they are today, to where they want to be in the future.

ila is a smarter way to manage your money. Fast, simple and convenient, it makes banking work for your lifestyle, rather than the other way around.

With us, you have complete control over your finances anytime, anywhere – plus access to a whole range of great features, such as:

- Fully digital on-boarding via the app
- Current account
- Physical and virtual debit cards (Mastercard)
- Multi-currency accounts that you can link to your debit cards

Smarter banking also means that our features will continue to evolve. Our work is guided by you – our customers – your thoughts, and your feedback. This is very much the start of our journey together.

ila is a mobile-digital banking application, however you can visit us at

-Main office : Shmeisani, 38 Abdul Rahim Al-Waked Street
-Abdali Mall, Al Aswaq St 8, Al Abdali.

Your security and confidentiality are our top priority. Our security standards, checks, and tools are based on best practice and industry standards including 3D secure, which is a security protocol that helps to prevent fraud in online debit card transactions.

You will be using your unique customer ID and password to verify your identity and authorize your
banking transactions. Make sure you keep both safe and secure at all times and do NOT share them with anyone else!

To protect your identity and money, we’ll automatically lock your account in case of multiple unsuccessful login attempts. Don’t worry, you can always unlock it once we’ve done additional security checks.

Our Swift Code is ABCJJOAMXXX

And our address is
ila Service center, Abdali Mall, Al Aswaq St 8, Al Abdali, Amman, Jordan

Please watch this space for any updates on Credit Cards and loan offerings.

It’s easy. Just call our Contact Center on +96265100001
ila team is available 24/7 to help you.

Yes, head over to "My profile" in the Self Service section. Tap on the edit icon next to the current mobile number and enter your new number. Follow the instructions to successfully update the number.

Yes, you can continue onboarding on a new device. Simply, open the ila app on your new device and then enter your email and mobile number previously used to start where you left off.

Our ila team is available 24/7 to help you. Give us a call on +96265100001

Press and hold the ila icon on your screen and you will be presented two shortcuts. One for Add Money and the other for Local Transfer.

These shortcuts will take you directly to the respective screen so that you don’t have to navigate within the app. Of course, for the security of your account, you will be required to authenticate by the method you have set.

Yes, you can. When the options are presented, you can click and hold the option you wish to add to your screen. You can then move it as usual to a location of your choice.

It’s super simple. Just download the ila app on your iOS or Android mobile phone. And answer a few quick questions. You’ll need one ID, a selfie and proof of address and you must be:

- Living in Jordan, and
- 18 years or above

Once your account is open, you can access it anytime, anywhere through the app!

You will need one piece of ID.

ID documents that you can use:


- Valid Jordanian ID
- Proof of address

In most cases, it takes a few minutes to open your ila account. However, you might face some delay depending on the documents you provide or any other missing information that you might need to share with us.

You can easily fund your account in seconds in four different ways:
- CliQ
- Bank transfer
- Cash deposit at an ila ATM

You can change the name of any of your accounts by selecting the account and tapping the edit icon next to the account name.

You can change your account names as often as you wish.

You can copy your IBAN by selecting the account and tapping the copy icon next to the IBAN. You can then paste this number where required.

Your account number is the 14 digits after "ABCO" in your IBAN.

In addition to viewing All your transactions, you can now filter them into four categories: Credits, Debits, Pending Payments and Failed Payments. This will enable you to locate transactions with ease.

Select your account and tap on 'All Transactions'. Here you can view the filters available and select the type of transaction according to your needs.

You can view the details and download a PDF of any of the transactions in your account. This can then be shared or printed for your records

Select your account and the transaction you wish to view the details of. Then, under 'Transaction advice' at the bottom of the screen, tap Print/Share to generate and export in PDF.

A Hassala is a clay pot that was traditionally used in Jordan for saving money.
You can create your own digital Hassala through the ila app and start saving for the things that matter to you most.

Goal based Hassala will enable you automate payments directly into your Hassala, set goals and schedule payments to your saving pot.

Select the 'Savings' tab on your overview screen and tap on ‘Hassala'. You can open your Hassala in just a few simple clicks!

You can have up to twenty separate Hassalas, 10 regular hassalas and 10 goal based hassalas.

You can start saving right away by adding money to your Hassala's from your account by using the 'Add Money' button on your Hassala

While you create the Goal Hassala, you will be guided as to how to automate your savings. You can set your savings goal and choose a monthly deposit or even the number of months.

A goal based Hassala enables you to set a target, automate payments and track how much of your target you have achieved. A regular Hassala has an open goal.

You can withdraw your money at any time by simply moving the required funds from your Hassala back to your account

Yes, you can. Interest is calculated JOD Hassala daily and paid monthly.

You can switch off the interest when opening Hassala. You can always change the setting should you wish to receive it even after opening the account from the More menu in Hassala.

You can close your Hassala from the More Options menu. You will be asked to transfer the remaining balance to your current account, If the Hassala goal is met, the "Close" option will appear on the main Hassala overview.

You can open Hassalas in all available currencies on the ila app

A virtual debit card remains in your ila app only and can be used instantly after activation.
Your card contains all the details needed for you to perform your online transactions.
You can use it on eCommerce transactions.
Link multiple currencies to your virtual card ensuring that you get the right currency for your online transactions.

You will get your virtual debit card immediately once your ila account is open.

Head over to "Cards" section on the ila app, click the "Order Card" button. Make sure that you have at least JOD 20 in your account before you order a card.

You can use your ila virtual card on eCommerce transactions. Enabling you to make online purchases, top-up your wallets, order a taxi or your favorite food delivery without delay.

You can use your ila physical card on all the above along with ATMs in Jordan , ATMs anywhere in the world that accept Mastercard, point of sale devices, across Jordan and worldwide where accepted.

If you’ve temporarily misplaced your card, you can freeze it instantly within the ‘My Cards’ section of the app – then unfreeze it just as easily once you’ve got it back.

If your card has been lost, stolen or damaged, simply select the option to block your card and order a new one, again using the app.

You can easily change your card PIN number on your ila app. Select your card in the Cards menu and select Manage Card PIN. You can also change it through ABC bank ATMs.

Yes, you can select any combination of your names and initials as you want them to appear on your card.

You can have a maximum of 22 characters including spaces.

When you order a new or replacement card you will be given the option to customise your name.

No. Simply go to your cards in the app, click on 'Show Details' then select 'Copy card number'. You can then paste this number for your online transactions.

We will be offering only one Credit Card at the moment:
• ila Blue

Your statement will be issued every month on the 21st of the month and your payment due date will be 15 days post the statement date.

You will enjoy a preferable monthly interest rate of 1.75% on your ila Blue Credit Card.

Yes, the minimum salary to apply for an ila Credit Card is:

Salaried/ Retired (Salary is transferred to ila) - JOD 500

Salaried/ Retired ( Salary is not transferred to ila) - JOD 601

Non-Salaried(Self-Employed/ Business Owner) - JOD 750

Yes, you will have to pay a minimum of 3% of the total outstanding balance every month.

You can apply for ila's Credit Card on the "Cards/ Credit" section on the ila app.

You will be able to:
- Freeze / unfreeze the card
- Change the PIN
- Set monthly direct debit
And much more!

Upon approval of your application by ila , you will be able to view the card on the app and should receive a call from the courier within two working days to receive the card.

Once the card is activated upon receiving it by entering the last 4 digits and creating your PIN.

Yes, your Credit Card can be used online, in shops, ATMs, contactless at any merchants that accept Mastercard.

Your credit limit decision is a combination of your monthly income, our lending criteria, and CRIF credit score.

You can earn cashback on your daily card usage.

You can earn 3% cashback on all your purchases. There is a monthly cap of JOD 500 on the ila Blue Credit Card.

 Credit Card Fees and Chargesto view the schedule of fees and charges.

You can choose to pay your dues manually from your ila Bank account or set a monthly direct debit.

Yes, you can choose between full direct Debit and minimum balance.

You can check your daily transaction through ila app under "Transactions". You will also receive a monthly e-statement on your registered email address and the same will also be available in ila app.

Cashback amount cannot be transferred and will be automatically credited to your card account at the date of issuing your statement.

Your monthly cashback reward will be updated automatically once the transaction is posted and can be viewed under earned this month. The earned this month cashback amount will be automatically credited to your card account on the statement issued date.

Yes, accumulated cashback rewards on posted transaction can be viewed through the ila app.

The transaction will be included in the cashback rewards after the posting date of the transaction.

Yes, you can earn cashback on all your eligible International transaction.

A Fixed Deposit is a long-term saving plan which offers higher interest rate than Hassalas. You can save an amount for a period convenient to you to earn a higher interest rate. The interest rate remains unchanged during the term of the deposit.

All ila customers can create a Fixed deposit.

You can create a Fixed Deposit in Jordanian Dinar and US Dollar.

The minimum amount to create a Fixed Deposit in JOD is 3,000 and 5,000 for a Fixed Deposit in USD.

We offer term deposits with tenors starting at one month and up to one year.

You can create as many Fixed Deposits as you wish.

The latest interest rates published by the bank are always available on our app and on our website.

The interest on your Fixed Deposit will be credited to your account on maturity or on the date when you withdraw your deposit earlier than its maturity. An early withdrawal will result in a lower credited interest.

You can easily create a Fixed Deposit from the ila app. On the main screen, Tap on the "Savings" section and tap on "Fixed Deposit". Our instructions will guide you to create a Fixed Deposit easily.

Auto renewal of Fixed Deposit enables you to instruct us to renew your Fixed Deposit on its maturity for the same term at the interest rate applicable on the renewal date. Please note that the interest rate may vary in accordance with the bulletin issued by the ila.

You can set your Fixed Deposit to renew automatically using the options available at the time of creating the deposit or later by using the Fixed Deposits setting menu.

You can set your Fixed Deposit to either renew with only the original deposit amount or the original deposit amount with the interest you will earn when your deposit matures. If you chose to renew the original deposit amount only, the interest you will earn will be transferred to your main ila account.

Yes, you can change the automatic renewal settings from the Fixed Deposit settings menu at any time before the maturity of the deposit.

Your Fixed Deposit will continuously auto-renew on the same settings unless you switch off the auto renewal feature from the settings.

You cannot modify the deposit amount on automatic renewal. You can choose to auto renew with the original deposit amount or the maturity amount.

If you need access to your Fixed deposit before its maturity, you can withdraw your deposit using the Early Withdrawal option from the Fixed Deposit settings menu. Please do this only if you are in extreme need of money as on early withdrawal will result in lower interest credited to your account.

On early withdrawal, the fixed deposit is calculated based on the deposit breaking date. Based on the provisions of the Instructions on Interest on Deposits and Facilities No. (14/2002) dated 15/12/2002 issued by the Central Bank of Jordan, including fines on deposit breaking, shall apply, and interest shall be calculated using the following formula:

(Interest Value × Agreed Interest Rate × Term of Deposit) minus (Withdrawn Part of the Deposit × Maximum Interest Rate Announced on the Withdrawal Date on Term Deposits with Similar Term of the Withdrawn Deposit plus (2%) × Remaining Period of the Term of the Withdrawn Deposit), provided that the customer does not lose any amount of the principal deposit.

The fixed deposit amount shall be added, and credit interest credited, to the current account of the customer in the same currency of the deposit and on the same date of the premature withdrawal of the fixed deposit.

Yes, when you select Early Withdrawal option, we will show you the details of the interest so that you are well informed before you confirm the transaction.

Currently, you cannot do partial withdrawal on your Fixed Deposit.

Currently, we do not offer overdraft facility.

The Terms and Conditions for the Fixed Deposit can be found on our website.

You can add the card using two ways:

1. Through the ila app

Using the ila App to add the card to the wallet using a click of a button and will be redirected to the wallet to accept
T&Cs

2. Through the Wallet app

Open the Wallet app.
Tap the "+" sign in the upper-right corner.
Enter your card's security code to add your Debit Card affiliated with your iTunes account or select "Add a different card," and use your iPhone camera to scan the card information.
Apple Watch

Open the Apple Watch app on your iPhone.
Tap "Wallet & Apple Pay" and select "Add Credit or Debit Card "
Enter your card's security code to add your Credit or Debit card affiliated with your iTunes account Or, select "Add a different card," and use your iPhone camera to scan the card information.

*For a list of compatible Apple Pay devices, see support.apple.com/km207105  

Add a card to Apple Watch

1. Open the Apple Watch app on your iPhone.

2. Tap My Watch, then tap Wallet & Apple Pay.

3. If you have cards on your other Apple devices, or cards that you recently removed, tap Add next to a card you want to add, then enter the card’s CVV.

4. For any other card, tap Add Card, then follow the onscreen instructions.

Your card issuer may require additional steps to verify your identity.

There is no fees to use Apple Pay service. If you use your card overseas the normal card related fees is applied.

Apple Pay is automatically enabled to ila debit cards and you can use any of the methods of adding the card to the
wallet.

Apple Pay application is available on iOS devices under the name “Wallet”

You can use ila's Debit Cards.

Pay easily, and securely with Apple Pay.

Paying in stores

Apple Pay is the safer, faster way to pay in stores with your iPhone and Apple Watch. Quickly check out using the devices you carry every day. *
To pay with Face ID, double-click the side button, glance at your screen, then hold iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold Apple Watch up to the reader.

Paying in apps and on websites

Apple Pay is the easier, faster way to pay in apps and on the web because you no longer have to create an account or fill out lengthy forms. *
To pay in apps and on websites in Safari on your iPhone and iPad, select Apple Pay at checkout and complete the payment using Face ID or Touch ID.
To pay on websites in Safari on your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.

The maximum payment limit per transaction is up to your card's limit.

Just look out for one of these symbols:

The Apple Pay service is reserved for Apple devices only.

It enables you to pay Prepaid and Postpaid bills using your JOD account.

Yes, you can save the postpaid bills, view and pay their due amounts easily.

Yes, you can pay up to 5 bills at the same time.

Yes, you can edit and delete saved bills.

• It enables you to link an Alias or Mobile number to your Jordanian account. You can receive money/ payment requests using your Alias or Mobile number.

• Send money instantly using Alias, Mobile number or IBAN of a beneficiary.
  

• Receive money instantly using your Alias, Mobile number or IBAN.
  

• Request money instantly from CliQ registered customers using beneficiary Alias or Mobile number and receive payment requests.
  

• Pay using QR code instantly.
  

• Return a specific payment (fully or partially) to the sender.
  

You have to be registered on CliQ noting that the registration is done automatically once you onboard on ila application. You can use Alias, Mobile number or IBAN of your beneficiary to send money instantly. Your beneficiary must be registered on CliQ to receive money using Alias and Mobile number however it is not mandatory for your beneficiary to be registered on CliQ to receive money using the IBAN.

No, CliQ service is local.

No, you can only link your JOD account.

You have to be registered on CliQ, noting that the registration is done automatically once you onboard on ila application. You can use the sender’s Alias or mobile number to send a payment request instantly.

Yes, you can accept or reject a payment request received within 60 minutes.

Yes, You can return a received payment fully or partially to the sender within 6 days.