Electronic Banking and Online Banking

The Islamic Business Card is intended for clients holding an Islamic current account and/or their duly authorized representatives selected from among:

• Public administrations;

• Public enterprises;

• Commercial companies;

You have the option to choose between:

At ATMs:

Cash withdrawal.

At ATMs:

Cash withdrawal;

Cash deposit;

Account-to-account transfer (to BNA customers);

Account balance inquiry;

Account transaction history inquiry;

Check deposit(s);

At POS terminals:

Pay for your purchases, commission-free, at all shops and stores equipped with a payment terminal;

Refunds for purchases made via payment terminal.

On (TVR):

Make online purchases from merchant websites using the SMS OTP service (more information here);

Pay all your bills, payable online, on major billing platforms using the SMS OTP service.

• It allows you to access your money 24/7 throughout the national territory;

• It’s offered to you free of charge;

• It allows you to subscribe to the SMS Card service.

• Pay for your purchases, services, bills, etc., on-site using the SMS OTP service.

E-Payment is intended for our customers, merchants, businesses, and major billing companies.

Security :  A tool that protects you against the risk of fund manipulation, errors, and counterfeit currency.

Speed : Your payments are processed electronically in seconds.

Step 1: Inserting the Card Verification Value (CVV2):

The CVV2 is the three-digit number printed on the back of the card and is used for authentication during online payments.

Step 2: Sending an SMS containing a code:

The code sent is for one-time use only. The SMS OTP is sent within seconds.

Step 3: User integration of the code:

Upon receiving the code, the user integrates it into the platform.

Step 4: Code validation

After adding the code, validation via the client interface.

• Have an Islamic Business Card;

• Your phone number, provided to your branch, must be valid.

• Make payments/purchases online securely using your IBC card;

• Benefit from free service with the BNA Islamic Business package or the BNA Islamic PRO package.

SMS Banking is a service that notifies you of your account balance and transactions via SMS. This service is offered to customers subscribed to the

« E-Banking service. »

• Periodic account balance notifications;

• SMS alerts when your balance reaches a certain threshold;

• SMS alerts when a transaction amount is reached;

• Be a subscriber to the BNA Islamic Business or BNA Islamic PRO package, specifically the E-Banking service;

• Your phone number, provided to your agency, must be valid.

• Receive real-time updates on all transactions on your account;

• The option to maintain a minimum balance in your account;

• Benefit from preferential pricing with the BNA Islamic Business package.

SMS CARD is a notification service using short, informative SMS messages sent to the customer’s phone. This service is offered to business cardholders.

Card status changes:

• Delivery date of personalized cards;

• Card activation date;

• Cards placed on hold (deactivation date);

• Card Sectioned (reason: stolen or lost, Sectioning date);

• Card canceled (cancellation date);

• Card renewed and sent to the bank (sending date);

• Card replaced and sent to the bank (sending date);

• Card expiry date.

An SMS is automatically sent to the cardholder after each change in card status.

Transactional activity:

• ATM/cash withdrawal transaction with transaction details (date, time, amount);

• Payment transaction with transaction data (date, time, amount);

Advertising and awareness messages;

• Announce new products and services offered by the bank;

• Remind customers of security guidelines for using their card;

• Conduct surveys (INTERACTIVE SMS).

• The SMS is sent in near real-time to the business cardholder.

• Be a business cardholder;

• Your phone number, provided to your agency, must be valid.

• Be informed of all transactions related to your card;

• Affordable monthly rates.

The EPT is intended for our customers, merchants, businesses, and large billers.

Security : a tool that protects you against the risk of fund manipulation, errors, and counterfeit currency.

Speed : Transactions are completed electronically in seconds.

Ease of Use : The tool is very easy to use

Free of Charge : The POS terminal is provided and installed free of charge.

WIMPAY-BNA is a contactless payment solution, usable via mobile phone (smartphone), which operates using smart QR codes.

WIMPAY-BNA is intended for traders/businesses, account holders, and/or their duly authorized representatives.

Companies:

• Accept payment transactions based on smart QR codes for service payments;

Check balances:

• Manage vendors and points of sale;

• View vendor and point-of-sale activity;

• View transaction history.

Traders:

• Make payments via smart QR codes;

• Perform transfers for “WIMPAY-BNA” users;

• Send a money request to another “WIMPAY-BNA” user; Split the bill;

Manage budget;

• Check balance;

• View transaction history;

• View money transfer request history (Received/Sent).

• A daily and per-transaction limit of up to 10,000 AD;

• A safe and secure service;

• Request, receive, and transfer money instantly;

• A wide range of possible operations to suit your needs.

• Sign a membership agreement for the “WIMPAY-BNA” services;

• Have a subscription to the bank’s “E-Banking” service;

• Have a smartphone equipped with IOS or Android;

• Have an internet connection;

• Download and install the application on your mobile device.

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