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Islamic Check Account
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Islamic Savings Account with or without Interest
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Islamic Youth Savings Account with or without Interest
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Unrestricted Islamic Investment Account
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Investment Certificate
Join our clients
This is a current account based on the “Qard Hassan” concept. It allows the account holder to have their income (salary and other) deposited and to access all the products and services associated with this type of account. The Islamic check account holder can access their funds at any time..
Advantages
- Free CIB card;
- Free checkbook;
- Online banking: access your account via the internet;
- Check deposits;
- Sending and receiving transfers;
- Withdrawals and deposits at any BNA agency ;
- Subscription to one of the packages with a single annual fee;
- Free prepaid cards;
- Free WIMPAY subscription.
Frequently asked questions
- How long is a check valid for?
A check is valid for 3 years and 20 days from the issue date printed on it.
- Are there any fees for withdrawals and deposits?
Withdrawals and deposits are free of charge. A fee is charged per package and for transactions made online or at ATMs.
- Can I close my account?
Yes, you just need to submit a request.
- Can I withdraw my money anywhere in the country?
Yes, you can withdraw your money anywhere in the country.
- What are the online banking packages?
These packages allow customers to manage and perform transactions on their accounts remotely.
- BNA Islamic Package,
- BNA Gold Package.
Savings that suit you
This is a current or fixed-term deposit account that allows the account holder to build up savings at their own pace, with or without interest. The holder of the interest-bearing savings account authorizes the bank to invest the deposited sum in a basket of financing projects compliant with Sharia principles.
Advantages
- Availability: Your money is available at any time.
- Convenience: A savings card is offered free of charge.
- Security: Your money is safe.
- Compliance: Your funds are invested in projects compliant with Sharia principles.
Frequently asked questions
- What is an interest?
The bank invests clients’ deposits in Islamic finance to generate a profit.
- Is it possible to repay before the maturity date?
Yes, the bank allows early repayment, and the client benefits from the full investment period.
- Can I make investments at any time?
Yes, you can make investments at any time, but each investment has its own duration, which is determined in advance and forms the basis of your investment agreement.
- Is there a possibility of loss?
The interest-bearing savings account is based on the Mudaraba (profit-sharing) system, which stipulates the sharing of profits and losses. However, the bank has extensive experience in this area, enabling it to select worthwhile projects.
Your future starts today
The Islamic youth savings account is available to parents of children under the legal age of majority. It allows the account holder to build up savings at their own pace, with or without interest. The holder of the interest-bearing youth savings account authorizes the bank to invest the deposited funds in a financing projects plan that comply with Sharia principles. This account is held and managed by the minor’s legal guardian until the child reaches the age of majority.
Advantages
- Availability: Your money is available at any time.
- Convenience: A savings card is provided free of charge.
- Security: Your money is safe.
- Compliance: Your funds are invested in projects that comply with Sharia principles.
Frequently asked questions
- Can a child who has lost their parents open a Youth Islamic Savings Account?
Yes, the Youth Islamic Savings Account allows the child’s legal guardian to open and manage the account.
- Are there profits in the Youth Islamic Savings Account?
Yes, you can open a Youth Islamic Savings Account with or without interest.
- Where does the interest come from?
The bank invests clients’ deposited funds in Islamic finance to generate profits.
- Is there a possibility of loss?
The Youth Islamic Savings Account with interest is based on the Mudaraba system, which stipulates the sharing of profits and losses. However, the bank has extensive experience in this field, enabling it to select worthwhile projects. Upon reaching the age of majority
- what is the procedure for switching to an Islamic savings account?
The client visits the agency and presents the necessary documents.
Creating Value According to Your Values
The unrestricted Islamic investment account is a fixed-term deposit account based on the Islamic concept of Mudaraba, which focuses on profit and loss sharing. The account holder authorizes the bank to invest the deposited sum for a predetermined period to finance Islamic finance projects undertaken by the bank.
Advantages
- A product certified as compliant with Sharia principles.
- Interest based on the profits generated by BNA’ s Islamic financing.
- A competitive allocation key.
Frequently asked questions
- Where does the interest come from?
The bank invests clients’ funds in Islamic financing to generate profit.
- Is early repayment possible?
The bank may make a full or partial early repayment of the deposit at the client’s express request. Funds invested with an effective term of less than six (6) months are not eligible for interest.
- Can I make investments at any time?
Yes, you can make investments at any time, but each investment has its own term, which is determined in advance and forms the basis of your investment agreement.
- Is there a possibility of loss?
The investment account is based on the Mudaraba system, which stipulates the sharing of profits and losses. However, the bank has extensive experience in the field, enabling it to select worthwhile projects.
Choose Trust and Security
The investment certificate is a participatory security in which the subscriber authorizes the bank to invest the subscribed amount in the bank’s portfolio of Islamic finance projects. Investment certificates can only be subscribed to in the subscriber’s name. Investment certificates can be with or without interest :The placement of “Investment Certificates” without remuneration is based on the principle of “Qard Hassen” (righteousness). For investment certificates with interest , the sharing of profits between subscribers and the bank is carried out in accordance with the Islamic principle of “Mudaraba”).
Advantages
- A product certified as compliant with Sharia principles.
- Interest based on the profits resulting from financing granted by BNA within the framework of Islamic finance.
- A competitive allocation key.
Frequently asked questions
- Is early repayment possible?
The bank may make an early repayment at the client’s express request. Funds invested with an effective term of less than 6 months are not eligible for interest.
- Is there a possibility of loss?
Investment certificates with interest are based on the Mudaraba concept, which stipulates the sharing of profits and losses. Investment certificates without interest are based on the principle of “QARD HASSEN”.
- What is Mudaraba?
Mudaraba is a contract under which the client, referred to as the “Lender” and designated by “Rab-El-Mal,” provides the bank, referred to as the “Manager” and designated by “El-Moudareb,” with clearly identified funds. The bank is responsible for investing these funds in financing projects that comply with Sharia principles, while defining beforehand the profit-sharing arrangements between the two parties.
