Invest in your country wherever you are
The BLADI DZ offer is a set of products tailored to the specific needs of Algerians living abroad, comprising a range of banking products and services that comply with Sharia law.
The BLADI DZ offer is intended for Algerian individuals living abroad.
Les produits et services bancaires proposés
Banking products and services offered
- Islamic accounts:
- Islamic current account;
- Unrestricted Islamic investment account and/or Islamic investment certificate;
- Islamic savings account;
- Islamic youth savings account;
Islamic financing:
- Murabaha Real Estate/Bonus Murabaha Real Estate;
- Ijara Akaria Mountahia Bitamlik/Bonus Ijara Akaria Mountahia Bitamlik;
- Istisna’a DARI ‘Construction, Extension or Development’/Bonus Istisna’a DARI ‘Construction’.
Banking services:
- Classic or Gold CIB card;
- Savings card;
- Youth savings card;
- Prepaid card;
- E-banking;
- SMS OTP;
- SMS banking;
- SMS CARD;
- WIMPAY application.
Financing conditions
| Real Estate Murabaha/Real Estate Murabaha with bonus | Ijara Akaria Mountahia Bitamlik/Ijara Akaria Mountahia Bitamlik with bonus | Istisna’a DARI construction/Istisna’a DARI construction with bonus | Istisna’a DARI extension | Istisna’a DARI renovation |
|---|---|---|---|---|
| – Have legal capacity; – Be under 75 years of age on the last payment date; – Have a stable and regular income; – Proof of income must be certified by the relevant consular services. – Not have benefited from this advantage before. |
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Advantages of the BLADI DZ offer
Advantages of owning real estate in Algeria:
- A retirement plan, offering a peaceful and familiar living environment;
- A stable, long-term investment. Properties tend to increase in value over time, which can constitute an asset for the future;
- A place to stay when visiting, which can reduce the cost of temporary accommodation and offer a sense of comfort and familiarity;
- Strengthening ties with family and local culture. This helps maintain connections with traditions, friends, and the community.
Advantages of opening an account in Algeria and subscribing to banking services:
- Ease and simplification of local transactions;
- Security of savings;
- Performing transactions on the account online;
- Access to various financing benefits for non-resident Algerians;
- Easier investment opportunities;
- Availability of money in dinars 24/7 throughout the country;
- Make online purchases from Algeria on platforms that accept payment in Algerian dinars (DA).
- Pay for purchases in person with your card or online;
- Make secure payments/purchases from Algeria on the internet;
- Receive notifications about your account status and transactions;
- Request, receive, and transfer money instantly.
Frequently asked questions
- Is it possible to grant power of attorney to make deposits and/or withdrawals from my accounts in Algeria?
R : Yes, it is possible to grant power of attorney to someone in Algeria who can carry out transactions on your behalf.
- Is it possible to get a prepaid card for beneficiaries?
R : Yes, the bank offers you up to ten (10) prepaid cards free of charge to give to the people of your choice.
- Is it possible to be abroad and pay bills or make purchases in Algeria?
R : Yes, you can use your card to pay bills or make purchases in Algeria.
- Can I make an annual payment for financing?
R : Yes, you can make annual or periodic payments provided that your account is credited monthly with the repayment amount.
