Electronic Banking and Online Banking

• It allows you to perform the same transactions as a CIB Islamic card:
• Withdrawals at all ATMs,
• Online payments,
• Proximity payments at Electronic Payment Terminals (EPTs),
• Checking your account balance at BNA ATMs,
• Deposits at BNA ATMs,
• Making transfers at ATMs,
• A range of other features are available via ATMs.

• Allows you to access your money 24/7 throughout the country,
• The BNA prepaid card enables better expense management,
• The BNA prepaid card enables better expense management,
• A customer requesting a prepaid card can obtain up to ten (10) prepaid cards,
• The prepaid card is completely free and valid for three (3) years.

Two cards are offered to our customers

At (ATMs)

• Cash withdrawal At

(ATMs)GAB

• 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 businesses and shops equipped with POS terminals;

At mobile payment terminals

• Make online purchases from merchant websites using the SMS OTP service;
• Pay all bills payable online on major billing platforms using the SMS OTP service.

• Allows you to access your money 24/7 throughout the country;
• Allows you to withdraw up to 100,000 DA per day;
• You can subscribe to the SMS Card service;
• Pay for your purchases on-site with your card or online from home using the SMS OTP service.

SMS OTP (One-Time Password) is a feature that involves sending a random, one-time password via SMS to the mobile phone of the CIB holder. SMS OTP allows for the secure validation of payments (bills, purchases, etc.). Thanks to this service, you can make your online purchases and payments securely.

Step 1: Inserting the Card Verification Value (CVV2):
The CVV2 represents the three digits printed on the back of the CIB card and used for authentication during online payments.
Step 2: Sending an SMS containing a code:
The code sent is for one-time use only. The OTP SMS is sent within seconds.
Step 3: Entering the code:
Upon receiving the code, the user enters it on the platform.
Step 4: Validating the code:
After adding the code, validation is performed via the customer interface.

• You must be a holder of an Islamic CIB card;
• Your telephone number, provided to your branch, must be valid.  

• Make secure payments/purchases on the internet using your CIB;
• Benefit from advantageous rates with the BNA Islamic package or the BNA Islamic GOLD package

• MS Banking is a service that provides account balance and transaction notifications via SMS.
• This service is available to customers who subscribe to ‘E-Banking’.

• Periodic account balance notifications;
• SMS alerts on balance thresholds;
• SMS alerts on transaction amounts

• You must be a member of the “E-Banking” service;
• Your phone number, provided to your branch, must be valid.

• Real-time notification of all transactions on your account;
• The ability to maintain a minimum balance in your account;
• Benefit from preferential pricing with the BNA Islamic package or the BNA Islamic GOLD package

SMS CARD is a notification service using short, informative SMS messages sent to the customer’s phone. This service is offered to our CIB (International Bank Account Number) customers.

Card status changes:
Delivery date of personalized cards; Card activation date; Cards placed on hold (deactivation date); Cards blocked (reason: stolen or lost, Sectioning date); Card cancelled (cancellation date); Card renewed and sent to the bank (sending date); Card replaced and sent to the bank (sending date); The card’s expiry date. An SMS is automatically sent to the cardholder after each change in card status.
Transactional activity:
ATM/GAB cash withdrawal transaction with transaction details (date, time, amount); Payment transaction with transaction details (date, time, amount); Advertising and awareness messages;
Announcing new products and services offered by the bank; Reminding customers of safety instructions regarding card use; Conducting surveys (INTERACTIVE SMS). The SMS is sent in near real-time to the CIB holder.

• Have a valid CIB card;
• Your phone number, provided to your agency, must be valid.

• Be informed of all transactions concerning your card;
• favorable monthly pricing for holders of the classic CIB card;
• Pricing included in the BNA Islamic GOLD package for holders of the CIB GOLD card.

• Make payments via smart barcodes (QR codes);
• Make transfers for “WIMPAY-BNA” users;
• Send money requests to other “WIMPAY-BNA” users; Split the bill;
• Manage your budget; Check your balance;
• View your transaction history;
• View your money transfer request history (received/sent).

• A daily limit per transaction, not exceeding 10,000 DA per day;
• 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 smartphone equipped with IOS or Android;
• Have an internet connection;
• Download and install the application on your mobile device;
• Subscribe to the bank’s “BNA.net” service or subscribe to the “WIMPAY-BNA Pack” service, or be a CIB cardholder and a user of the SMS OTP service for E-Payment transactions.