Qawn Account Opening Terms and Conditions

Effective as of: 23 August 2026

1. General Terms and Conditions

These terms and conditions have been established to govern the regulation of opening and using a Qawn Account by Jordan Ahli Bank in its capacity as the entity responsible for providing and managing the service.
Qawn Application means an electronic application that provides banking services through the Internet, whereby customers are able to access banking products and services through it. (“Qawn” or the “Service”).
The user acknowledges that upon opening a Qawn Account, he/she has reviewed these terms and conditions and agreed to be bound by them.
The user acknowledges that even if he/she has not previously used any of the digital services of Jordan Ahli Bank, opening and using a Qawn Account constitutes confirmation that he/she has reviewed and agreed to the terms and conditions applicable to digital services, as published on the Bank’s approved website.
The terms and conditions applicable to digital services shall be deemed complementary to these terms and conditions to the extent that they do not conflict with their provisions. In the event of any conflict between them, these terms and conditions shall prevail over the terms and conditions applicable to digital services.
Dormant account fees and minimum balance fees shall be applied in accordance with the Bank’s approved list of Fees and Commissions, as published on the official website of Jordan Ahli Bank.
The Service shall be subject to the provisions of the Personal Data Protection Law and the instructions issued by the Central Bank in this regard, and processing shall be conducted in accordance with the applicable legal controls.
The Customer irrevocably authorizes the Bank in the event of suspicion of money laundering transaction or any transaction might be considered illegal in respect to any of his accounts thereof with the Bank, to refrain from executing any transaction on the account, dormant the account, take the due procedures. And the Customer releases the Bank from any liability that may result from the stopping any transaction, whether withdrawal, deposit, transfers… or other on the account.
I acknowledge that I am the beneficial owner of the account intended to be established and of the financial transactions conducted on the account.
The Customer Complaints Handling Unit is responsible for receiving, processing, and reviewing customer complaints, providing an opinion on them, and responding within the timeframes specified in the regulations. Customers may contact the Unit regarding any complaint through various available channels, including visiting the Unit’s premises in person, sending correspondence via regular mail (P.O. Box 3103, Amman 11181, Jordan) or email (complaints@ahli.com), using electronic channels, or calling 06-5656300 or faxing 06-5657268.
The customer can contact the bank through the available channels:
- Visiting any branch of Jordan Ahli Bank.
- Call Center and Customer Retention at the number: 06-5007777.
- Qawn Customer Support (calls/WhatsApp) 06-2222462 or by email info@qawn.com.
- Customer Complaints Unit: In person at the unit’s headquarters, by regular mail to P.O. Box 3103 Amman 11181 Jordan, by email at complaints@ahli.com, through electronic channels, by phone at 06-5656300, or by fax at 06-5657268.
The Privacy Policy forms an integral part of this document and shall be read together with it. It may be accessed by clicking on the following link:
- https://ahli.com/privacy-policy
The terms and conditions may be subject to continuous updates in line with national laws and the latest instructions of the Central Bank, with reference to the instructions regulating the procedures of Open Banking financial services, which permit the sharing of data with secure third parties under regulatory supervision. I authorize the Bank to share my data with such parties. The user shall have the following rights:
1. The right to prior consent.
2. The right to withdraw consent.
3. The right of access.
4. The right to data protection.
5. The right to rectification and update.

Obligations of the Parties (the Bank and the Third Party):

Use of data solely for the authorized purposes.
Compliance with the Central Bank’s instructions in terms of data protection and security standards.
Transparent disclosure by clarifying the purpose of data usage and the nature of the services provided prior to obtaining the customer’s consent.

In these terms and conditions, the following terms shall have the meanings assigned to them below:

JoPACC: The Jordan Payments and Clearing Company.
Merchant: A natural person or a legal person who accepts payment for goods and/or services through Qawn.
Qawn Account: The virtual account maintained with the Bank designated for use through Qawn, through which the user shall be able to execute transactions in accordance with these terms and conditions.
QR Code: Means (1) in relation to the user, the static QR Code assigned to such user which enables him/her to receive transfers from other persons and execute them through CliQ.(2) in relation to the Merchant, either a static QR Code that the user may scan and/or download in order to make a transfer to the Merchant, and/or a dynamic QR Code generated for each invoice payable by the user based on the purchase transaction amount and the data entered by the Merchant, whereby the user scans and/or downloads the said QR Code in order to make a transfer to the Merchant accordingly.
Commercial purposes: Use of the account for commercial purposes, for example, the organized sale of goods or services.
User: The natural person who creates a Qawn Account and uses the services provided through it.

2. The Service

The user’s opening of a Qawn Account and use of its services constitutes confirmation that he/she has reviewed these terms and conditions and agreed to be bound by them, which in turn grants the Bank an absolute, unconditional and irrevocable authorization to take all necessary actions and measures to enable the user to open and use a Qawn Account, and to use and process all data and information required to enable the Bank to do so.
The Bank shall close the Qawn Account in any of the following cases:
1. In the event the customer’s name appears on global sanctions lists or on the local list (the National List of Terrorists).
2. In the event the personal account is used for commercial purposes.
3. After one month from changing the account status to dormant if the account balance is zero and there are no restrictions thereon.
4. Non-compliance by the user and/or violation of these terms and conditions.
You acknowledge and agree that the Bank has the absolute discretionary authority to refuse to open the account without the need to provide any reason or justification for its decision, and such decision shall be deemed final.
The services provided by the Qawn Account include, without limitation: receiving local cash transfers via CliQ, receiving local and international cash transfers via IBAN, obtaining the application QR Code, and receiving payments via QR Code.
You undertake not to use your account for any commercial purposes and to use it for personal transactions only. You further acknowledge the Bank’s right, without incurring any liability whatsoever, to close your account and take all actions it deems appropriate if it is established that you have used the account in violation of the foregoing.
You understand and acknowledge that a QR Code is automatically generated for each user. Accordingly, you agree to release and discharge the Bank, its affiliates, employees, shareholders and directors from any loss or damage resulting from any error in the creation and/or sharing of the relevant QR Code and consequently the inability to complete the transfer.
QR Codes may be shared with other parties, including, without limitation, other users and/or merchants via WhatsApp application or short message service (SMS) or any other intermediary method, and once shared, other users may save the said QR Code in their device photo gallery and then upload it through the Service in order to make a transfer to the Qawn Account associated with the user of the uploaded QR Code.
You understand that by scanning and/or uploading the QR Code of another user, you automatically add such user as a beneficiary for transfers and that there will be no need for you to reconfirm these details using any additional authentication mechanisms, including, without limitation, a one-time password (OTP). You agree and acknowledge that you are responsible for reviewing the transfer details before executing such transfer, including ensuring that you have scanned/uploaded the correct QR Code so that the transfer is received by the intended beneficiary. You agree to release and discharge the Bank, its affiliates, employees, shareholders and directors from any loss or damage resulting from: (a) any error in the creation and/or sharing of the relevant QR Code and consequently the inability to complete any transfer; (b) any error in scanning the QR Code of the beneficiary to whom you wish to make a transfer; (c) making a transfer to an unintended beneficiary.
You understand that in order to make a transfer to a beneficiary through the Service without scanning his/her QR Code, you may need to adjust your device settings to allow Qawn to access your device contact list, whereby you may then select the mobile number of the intended beneficiary to whom you wish to transfer. The beneficiary of such transfer shall receive a notification regarding the transfer via the Service and/or via SMS.
You understand and acknowledge that by selecting a mobile number from your device contact list, you automatically add such contact as a beneficiary for transfers. Accordingly, you agree to release and discharge the Bank, its affiliates, employees, shareholders and directors from any loss and/or damage incurred as a result of making a transfer to an unintended beneficiary.
You may at any time access your transaction history and track all transactions completed through Qawn. You may also add other users to the favorites list in order to make transfers to them promptly.
You may at any time invite others to download the Qawn application by sending SMS messages to a mobile number selected from your device contact list through the Service. You understand that such SMS messages may be subject to certain fees determined solely by the telecommunications network operator with whom you are subscribed. Accordingly, you release and discharge the Bank, its affiliates, employees, shareholders and directors from any loss and/or damage incurred as a result of sending such SMS messages. You acknowledge and agree that the Bank has the sole and absolute discretion to remove or modify this feature at any time and for any reason without any liability on the Bank.
You acknowledge and agree that you may use the Service to scan QR Codes related to the instant payment service managed by JoPACC, known as “CliQ”, and that upon scanning such QR Codes, you will execute a transfer to the beneficiary. The said QR Code and the transfer amount you wish to execute shall be debited from your Qawn Account only, and you shall not be able to select a different account to execute such transfer through the Service. You acknowledge and agree that executing transfers via the CliQ service may be subject to fees as determined by JoPACC and applied by the Bank to the said payment service. You acknowledge that such fees may be subject to change from time to time.
You waive any right of recourse against the Bank in relation to any loss and/or damage that you may incur as a result of your compliance and/or non-compliance with these terms and conditions and/or as a result of your use and/or misuse of the Service. You agree and undertake to defend, indemnify and hold harmless the Bank, its affiliates, employees, shareholders and directors from and against any loss and/or damage they may suffer as a result of your use and/or misuse of the Service.
You acknowledge that the Bank’s records relating to the Service and your Qawn Account and any transactions conducted thereunder are final and conclusive and shall be relied upon exclusively to verify your Qawn Account balance and any transactions conducted through the Service. Accordingly, the aforesaid records and transaction statements relating to the Qawn Account shall constitute conclusive evidence to be relied upon in the event of any dispute, and you waive any right to challenge and/or object to any of them.

3. Transfer from User to Beneficiary

By using the Service, users may:
- Make transfers from their Qawn Account to Qawn Accounts of other beneficiaries.
- Receive transfers into their Qawn Account from other beneficiaries.
By using the Service, a person may carry out the above-mentioned transfers by:
- Scanning the QR Code of another beneficiary.
- Uploading the QR Code of another beneficiary.
- Selecting the mobile phone number of a beneficiary from the contact list on their devices.

To make a transfer to another beneficiary by scanning his/her QR Code, the transferring user must use the QR Code scanning feature of the Service to scan the beneficiary’s QR Code. Once the beneficiary’s QR Code is identified by the Service, the transferring user will be required to enter the amount he/she wishes to transfer to the beneficiary and click the “Pay” button to confirm and execute the transfer.
To make a transfer to another beneficiary by uploading his/her QR Code, the transferring user must grant the Qawn application access to the photo gallery on their devices (through the device settings) and select the stored image of the QR Code associated with the intended beneficiary for upload. Once the beneficiary’s QR Code is identified by the Service, the transferring user will be required to enter the amount he/she wishes to transfer to the beneficiary and click the “Pay” button to confirm and execute the transfer.
To make a transfer to a beneficiary using his/her mobile phone number, the transferring user must grant the Qawn application access to the contact lists on his/her device (through the device settings) and select the mobile phone number of the intended beneficiary from the said contact list. Thereafter, the transferring user will be required to enter the amount he/she wishes to transfer to such beneficiary and click the “Pay” button to confirm and execute the transfer.

4. Transfer from User to Merchant

By using the Service, users may:
- Make transfers from their Qawn Account to merchants.
- Receive transfers into their Qawn Account from merchants, provided that such transactions do not reflect commercial purposes through which the personal account is being used.

The user understands and acknowledges that the Merchant may have a static QR Code in addition to the ability to generate dynamic QR Codes.
The user may make a transfer to a Merchant using the Merchant’s static QR Code by following the same steps that must be followed in order to make a transfer to another beneficiary, by scanning or uploading the QR Code (as detailed above), entering the QR Code (as detailed above), specifying the amount the user wishes to transfer, and then pressing the relevant button to confirm and execute the transfer.
The user may make a transfer to a Merchant using the Merchant’s dynamic QR Code by following the same steps that must be followed in order to make a transfer to another party, by scanning or uploading the QR Code (as detailed above), except that the user will not be able to enter the amount he/she wishes to transfer to the Merchant. In the case of a dynamic QR Code, the Merchant shall enter the amount due for payment (transfer) by the user in consideration of the product(s) and/or service(s) and shall generate a QR Code for such amount, which shall be presented to the user after scanning or uploading the said QR Code. The user may, through the Service, confirm and execute the transfer by pressing the “Pay” button.
By using the Service, you hereby agree and acknowledge that you have fully read and understood the content of these terms and conditions and that you agree to the content of these terms and conditions and agree to be bound by them.
Withdrawal of consent or discontinuation of use of the Service shall not cancel the Bank’s obligation to retain certain data to the extent required and/or permitted by the applicable laws and regulations, including the instructions and decisions of the Central Bank in this regard, or the like.

Terms and Conditions for Subscription to Digital Channels Services:

The Customer acknowledges that he/she shall be bound by the following terms and conditions upon subscribing to the Digital Channels Services.

The Customer understands that any action and/or transaction executed through the Digital Channels Services shall be deemed authorized by him/her. Accordingly, the Bank shall not be responsible in any manner or form for verifying the same and shall not be held liable for any such actions and/or transactions.
The data and information obtained from the Customer shall be subject to the provisions of banking secrecy.
The Customer understands that he/she bears full and complete responsibility for any acts or omissions related to the use and execution of any of the Digital Channels Services as of the time the Customer subscribes to the Digital Channels Services.
The Customer alone shall bear responsibility for any damage incurred in connection with any loss or damage that the Customer may suffer as a result of misuse of the Digital Channels Services, including failure to exercise due care and negligence such as sharing any of his/her data with any external party. The Bank shall have the right to refuse the Customer’s request to subscribe to the Digital Channels Services unless the required conditions determined by the Bank are fulfilled.
The Customer understands that he/she may subscribe to the Digital Channels Services through the self-registration option using his/her personal mobile number registered with us and personal data (date of birth, national number, card number or passport number).
The Customer understands that upon subscribing to the Digital Channels Services, he/she will be required to set a username and password in order to verify the Customer’s right to access the Digital Channels Services, and this shall be requested each time the Customer logs in to use the Service (or the Digital Channels Services). The Customer may also register his/her account on a maximum of three (3) devices. In the event the Customer registers the account on the devices, he/she will not be required to provide his/her username or password, and may access the Digital Channels Services through biometric digital identification data stored on the relevant device(s). The Customer may at any time deregister his/her account from any of the registered devices.
The Customer shall bear full responsibility for the device(s) and the biometric digital identification data stored on the device(s) without any liability upon the Bank or its employees.
The Customer understands that upon subscribing to the Digital Channels Services, he/she shall have direct access to all inquiry transactions and financial transactions. For the purpose of completing any financial transaction and/or making any change to his/her personal data, the Customer shall be required to enter a one-time password (OTP) received on his/her mobile phone number and/or email address registered with the Bank. Correct entry of the one-time password (OTP) is necessary to enable the Customer to complete the relevant financial transactions and/or effect the required change, as the case may be.
Upon attempting to access the Digital Channels Services, if the Customer enters his/her password or personal identification number (PIN) incorrectly three consecutive times, or in the event that the biometric digital identification data is not recognized three consecutive times or is inaccurate three consecutive times, access to the Service shall be temporarily blocked until the Customer resets the password through the available options.
In the event the Customer suspects that his/her data related to access to the Digital Channels Services has become known to any other person, he/she must immediately notify the Bank by contacting the Bank’s Call Center and Customer Care at 06 2222462 or by contacting the Customer Complaints Unit at 06 5656300. In such case, the Customer shall bear responsibility for any and all transactions conducted through use related to access to the Digital Channels Services, and the Customer must immediately change his/her password in order to prevent any unauthorized access to the Service. The Customer may change the said password through the Digital Channels Services.
The Customer is strictly prohibited from sharing his/her banking data, including but not limited to username, password, one-time passwords (OTP), or any other sensitive personal information with any unauthorized party. The Customer acknowledges that he/she bears full responsibility for all consequences, including financial losses, legal proceedings, or damages that may arise from disclosure or improper use of such information. Any fraudulent activity, unauthorized transactions, or security breaches resulting from the Customer’s failure to protect such information shall be borne solely by the Customer, without any liability upon the Bank.
The Customer understands that he/she must enter, among other information, for the purpose of completing a transfer, the account number and/or IBAN, as the case may be, of the beneficiary to whom he/she wishes to make the transfer. The Customer understands that transfers shall be executed provided that the accounts to which the Customer seeks to transfer are not accounts whose beneficiaries refuse to accept deposits from a third party and/or accept financial transfers, or in relation to internal transfers, any other means provided by the Bank to its customers through which transfers may be conducted. It is understood that upon successful completion, the transfer shall be deemed valid and effective with its legal consequences.
With respect to cardless transactions, the Customer shall be required to enter details relating to the beneficiary such as full name and Jordanian national number. The Customer understands that the Bank has set a limit for the value of each transaction and a limit for the number and total monthly transaction values, which the Bank may change from time to time.
The Customer understands that internal transfers shall be completed immediately on the day and time specified by the Customer, whereas external transfers shall be completed within three (3) business days from the time the Customer executes the transfer correctly.
When conducting a transfer, the Bank shall have the right to debit the resulting fees from any of the Customer’s accounts with the Bank. The Bank shall also have the right to inspect the balance of any of the Customer’s accounts in the event of insufficient funds in the Customer’s account as a result of the transfer.
With respect to conducting transfers in different currencies, the Customer understands that the Bank shall have the right to debit any additional amounts resulting from exchange rates and mark-up fees from the Customer’s accounts with it.
The Customer understands that through the Digital Channels Services he/she may submit a request to perform a cardless transaction either for his/her own benefit for the purpose of accessing ATM services or to allow a beneficiary to withdraw a specified amount from the Customer’s account through ATMs using a specified PIN and/or one-time password (OTP) (where required) and within the monthly limit applicable to the number of cardless transactions and the limit per transaction, as the case may be.
The Customer may report a lost or stolen card using the appropriate reporting tools available by contacting the Call Center and Customer Care. Upon submission of the relevant report, the reported lost or stolen card shall be cancelled and the Customer must apply for a new card.
The Customer understands that he/she may activate and deactivate any card through the Digital Channels Services.
The Bank shall not bear any responsibility for any loss or damage incurred by the Customer as a result of any event beyond the reasonable control of the Bank, including but not limited to cessation of work, accidents, acts of war, terrorism, piracy, civil or military disturbances, disasters, natural disasters, nuclear disasters, acts of God, interruption, loss or malfunction of utilities, communications, computer services (software and hardware) or network, communication failure, poor transmission or reception.
The Bank may suspend and/or refuse or cancel the Customer’s subscription to the Digital Channels Services.
The Bank may, at any time, amend or modify these terms and conditions. The Bank may also add and/or change and/or cancel any of the Digital Channels Services and features and/or capabilities relating to any service or program used in connection with the said Digital Channels Services.
In the event the Customer requests any of the Digital Channels Services and features and/or capabilities provided through the Digital Channels Services, the Bank shall have the absolute right to approve or reject the request provided that the Customer is notified in accordance with the notification methods set forth in these terms and conditions. In the event the Bank approves the Customer’s request, the Customer authorizes the Bank to debit the fees from his/her account in accordance with the approved fees schedule.
Unless otherwise required by applicable law, the Customer agrees that the Bank may use the notification method selected by the Customer pursuant to these terms and conditions as the means of sending notices to him/her. Accordingly, unless the Customer notifies the Bank of any changes relating to the selected notification method, any notice sent by the Bank via the said method shall be sufficient and valid. If the Customer selects to receive such notices via email, the said notice shall be deemed duly given by the Bank unless the Bank notifies the Customer that the notice was not sent by or on its behalf, or if the Customer has reason to believe that the said notice was not sent by or on behalf of the Bank.

The Customer acknowledges that notices shall constitute legal notification to him/her regarding transactions conducted in relation to the Customer’s account(s) through the Digital Channels Services. In the event the Bank sends a notice via SMS, email, or any other electronic means that the Bank may provide in the future, the Bank shall not be obligated to notify the Customer of the transaction by any other written notice. Furthermore, notification of the Customer of the relevant transaction shall be deemed binding and final notice. The Customer may not submit any claims regarding non-receipt of the said notice for reasons that may include, without limitation, the Customer’s device being switched off and/or disconnected and/or malfunctioning, or the Customer not reading the notice or alert, or with respect to emails, that the notice was sent to the wrong email address of the Customer or that the email was disabled, deleted, not used for a long period, sent to the junk folder, or generally the Customer blocking any notification method from the Bank or changing his/her mobile number without updating such information in the Bank’s records through any available means to effect such change.

The Customer understands that through the Digital Channels Services he/she may amend or update his/her personal information and data relating to the Digital Channels Services as registered with the Bank, and any future communication between the Bank and the Customer shall be in accordance with the updated information.
The Customer understands that he/she is able to manage any of his/her debit and/or prepaid cards through the Digital Channels Services, and all requests submitted by the Customer through the Digital Channels Services in this regard shall be considered official requests and the related fees shall be debited from the Customer’s account(s).
The Customer acknowledges that the Bank’s books and records are correct and shall be considered binding evidence.

Terms and Conditions for the CliQ Account

The Service enables you to execute and receive instant transfers.
You will need to complete two steps in order to use CliQ: 1) the “Add Customer” step, to add you to CliQ as a customer, and 2) the “Add Account” step, to add your eligible account(s) to CliQ. You may also complete the “Add Alias” step to assign the said alias to one or more of your registered accounts.
To facilitate your registration as a user, the Bank shall complete the “Add Customer” and “Add Account” steps on your behalf. For this purpose, the Bank will need to share certain data with JoPACC, including but not limited to: your personal information such as your four-part full name in Arabic and English, your date of birth, gender and other identification information that may be known to the Bank about you; and the IBAN number(s)/account number(s) for all eligible accounts you personally hold with the Bank (“Data”). By accepting these terms and conditions, you grant the Bank an absolute, irrevocable and unrestricted authorization and mandate to share the said Data with JoPACC on your behalf. You further agree and undertake to defend, indemnify and hold harmless the Bank, its affiliates, employees, shareholders and directors from and against any loss or damage that you may incur as a result of the disclosure of your Data, or as a result of JoPACC or any other party using and/or misusing such Data.
You may decide to create an alias for yourself after the Bank shares your Data with JoPACC. Thereafter, you will be able to receive transfers using the alias in addition to your IBAN and/or the account number linked to your registered account(s). The alias may be linked to one or more of your registered accounts, and you may create more than one alias for your registered accounts. You will need to select one approved CliQ account for each alias and you may change your approved CliQ account at any time.
You may also change or update your alias and/or create a new alias at any time. Except for procedures relating to assigning the approved CliQ account linked to the alias, any actions taken by you or by the Bank on your CliQ account maintained with the Bank in relation to the alias linked to a registered account maintained with the Bank and/or any registered accounts maintained with the Bank shall be reflected accordingly, noting that such actions shall not be reflected on the CliQ account linked to the said alias if such account is maintained with a bank other than the Bank (if any). Such actions include, without limitation, changing and/or updating and/or suspending and/or deleting such alias and/or the registered account.
You understand and acknowledge that your registered accounts may be maintained with banks other than the Bank. Accordingly, you understand and acknowledge that the Bank shall not be responsible in any manner whatsoever for any delay and/or failure in completing a transfer if such delay and/or failure results from a cause not attributable to the Bank. You waive any right of recourse against the Bank in relation to any loss and/or damage you may incur as a result of your use and/or misuse of the CliQ service. You agree and undertake to defend, indemnify and hold harmless the Bank, its affiliates, employees, shareholders and directors from and against any loss and/or damage incurred by any of them as a result of your use and/or misuse of CliQ.
The Bank may, upon your request, update and/or delete and/or suspend your registered account(s) maintained with the Bank.
The Bank may also add and/or change and/or cancel the CliQ service or any part thereof or any features and/or capabilities relating thereto or the program used in connection therewith.

Terms and Conditions for CliQ Transfers

You may execute and receive transfers through CliQ once the Bank completes the “Add Customer” and “Add Account” steps referred to above on your behalf.
Prior to executing a transfer through CliQ, you must select the registered account from which you wish to make the transfer and which shall be debited accordingly. The Bank may pre-select your approved CliQ account prior to executing the transfer, and you may change such selection at any time before executing the transfer.
To execute a transfer to a beneficiary with a registered account, you may use the account number, IBAN, or alias of such beneficiary. In this regard, you understand that it is your responsibility to enter the correct alias associated with the beneficiary. You agree and undertake to defend, indemnify and hold harmless the Bank, its affiliates, employees, shareholders and directors from and against any loss and/or damage incurred as a result of any errors in executing transfers, including but not limited to failure of the intended beneficiary to receive the transfer and receipt of the transfer by an unintended beneficiary.
You further understand and acknowledge that you may be able to submit a request through CliQ to a user requesting him/her to execute a transfer to you. In such case, the user shall receive a notification from his/her bank regarding the said transfer request through any notification method adopted by the relevant bank. Thereafter, the user may either accept or reject the transfer request.
You understand and acknowledge that you may be able to scan the QR Code generated by CliQ in relation to the alias in order to execute a transfer to the beneficiary’s approved CliQ account.
The Customer understands that the Bank has the right to debit any commissions from the Customer’s accounts with it in accordance with the requirements of the Central Bank instructions or the instructions issued by the Jordan Payments and Clearing Company (JoPACC) in relation to interchange commissions upon execution of outgoing or incoming transfers to the customers’ accounts.

Terms and Conditions of the Ahli Rewards Program

The Customer agrees to be automatically enrolled in the Ahli Rewards Program of Jordan Ahli Bank whether the account is opened through branches or electronically.
The Customer shall receive welcome points upon opening an account with Jordan Ahli Bank and logging in to the Bank’s electronic channels (Ahli Phone and Ahli Online).
The Customer must be subscribed to the Bank’s electronic channels (Ahli Phone and Ahli Online) in order to redeem points.
The mechanism for earning and calculating points shall apply upon obtaining any of the Bank’s banking products or conducting various banking and financial transactions through the electronic channels or purchase transactions at points of sale or online, in accordance with the details announced on the Bank’s website or through any other means adopted by the Bank.
Any point earned shall have an expiry date of two years from the date of acquisition and expired points may not be extended under any circumstances. The Customer agrees that the Bank may reduce such validity period without the need to notify the Customer, in accordance with business circumstances and requirements.
All claims and objections relating to eligibility for participation in the Program or accumulation of points shall fall within the jurisdiction of the Bank.
The value of points shall not be considered a monetary amount. The value of a point shall be determined under the Program and may increase or decrease, and the value of the point may differ if the Customer wishes to redeem points in cash into his/her account or obtain other services, while the Bank reserves the right to amend the redemption value of the point at any time it deems appropriate.
There shall be a minimum and a maximum limit for the redemption of points in accordance with the Program criteria.
Any promotional offers (such as additional points, bonus on accumulated points or time-limited rewards) shall be subject to the Program terms and conditions, and such promotional offers may have special terms and conditions announced on the Bank’s website or through any other means.
The Customer unconditionally authorizes Jordan Ahli Bank to provide all entities participating in the Ahli Rewards Program with his/her information to the extent required for the purpose of redeeming points into vouchers without any liability upon the Bank.
The Customer releases Jordan Ahli Bank from any liability in any case for any damage and/or loss incurred by the Customer resulting from the redemption of points and understands that the Bank does not guarantee the quality of digital channels services and products provided by the entities participating in the Program and providing the vouchers, and that the Bank shall not participate in any related operational aspects.
The Customer acknowledges that vouchers are issued in the form of digital codes immediately upon selecting the voucher through the service provider and may be used only once and therefore cannot be refunded, replaced, returned or have their validity extended. In the event the Customer does not receive the voucher due to technical issues, the Bank shall forward the Customer’s objection to the service provider for the purpose of providing the voucher.
The Customer releases Jordan Ahli Bank from liability in the event of theft or damage of any voucher or in the event of its use without the Customer’s knowledge.
The Bank shall bear no responsibility for reissuing any voucher if it expires without being used.
The Customer understands that in the event of failure to pay any dues owed to the Bank, he/she shall not be able to benefit from the privileges granted under the Ahli Rewards Program until full settlement of all obligations.
The Customer acknowledges the Bank’s right to suspend the Ahli Rewards Program for the Customer and to consider the accumulated points null and void in the event of conducting fictitious financial transactions and/or banking transactions or committing fraud or deception to exploit the Program.
A Customer shall forfeit any entitlement to Points if the Customer carries out fictitious financial and/or banking transactions, or engages in any fraudulent, deceptive, or abusive conduct for the purpose of exploiting the Program.

The cancellation, suspension, or amendment of the Program shall not affect the Customer’s vested right to any Points accrued prior to the effective date of such cancellation, suspension, or amendment. Any such cancellation, suspension, or amendment shall take effect only from its effective date, and the accrual of Points shall cease immediately thereafter. For the avoidance of doubt, no such cancellation, suspension, or amendment shall have retroactive effect or adversely affect any transactions completed or any rights accrued prior to the applicable effective date.

The Customer understands that all accumulated points shall be cancelled in the event of account closure upon his/her request or for any reason whatsoever.
In cases of death, all accumulated points shall be automatically cancelled without any obligations upon the Bank toward the heirs.
The Customer understands that the Ahli Rewards Program is an additional privilege for customers, and acknowledges that Jordan Ahli Bank solely reserves the right to terminate or amend the Ahli Rewards Program and its terms and conditions at any time without the need for the Customer’s consent, and the Customer shall not be entitled to claim any rights in the event of any change in the Program or the benefits granted thereunder or its cancellation.

The Customer acknowledges and confirms that he/she has read, understood and agreed to the terms and conditions as set forth above and through the link https://ahli.com/ar/terms-and-conditions, and agrees to be bound thereby and by any updates and/or amendments made thereto from time to time.

It is understood that these terms and conditions shall be governed by and construed in accordance with the laws of the Hashemite Kingdom of Jordan and that any dispute arising between the Bank and the Customer in relation thereto and/or its use shall be referred to the Courts of Central Amman (Palace of Justice).