Balance:
The minimum balance required to open a Fixed Deposit Account is BD 3000/- or equivalent for other currencies.

Benefits:

•  High interest rates
• The best way to save your amount with highest interest rate.
• The best way to save your amount with highest interest rate.
• The higher the amount, the higher the interest rate you will get.

For Bahraini’s:

• Two valid IDs CPR/Smart Card (confirmation of date of birth, legal name, and
  residential address (P.O. Box not sufficient) and Passport or Driving License.

If CPR does not have details, then any of the following additional documents should be taken:

• Proof of residential address (i.e. original telephone bill or electricity bill or
  bank statement dated less than 3 months)
• Proof of date of birth (from passport or birth certificate or driving license)

For Non-Bahraini’s:

• CPR/ Smart Card
• Passport (VISA page copy should also be taken)
• Identification document (other than passport)

For Businesses:

• CR is required

   a) Call 17214444, after selecting the language, enter your CPR and epin.

• Minimum: 21 years old and the maximum is 55 years old.
• Salary requirements:
• Bahraini and Expatriate Employees: Minimum BD 200/-
• Self Employed: Not required, only against guarantee
• Documents required:
  - Original salary certificate
  - Continuous Salary transfer
  - Under taking salary transfer and indemnity for non-Bahrainis or third party guarantee.
• 3 months bank statement for Non BBK customer.
• Last Pay slip
• Original CPR & passport

A debit card is given to you when opening any new account. 

1. The first issue is free
2. Replacement of card and PIN is BD 5/- BD 0.200/- if BENEFIT Network
3. Usage abroad is BD 2/- minimum or 1% of withdrawn amount.

According to the ISO compliant IBAN Standard issued by the Central Bank of Bahrain (CBB) in February, 2011, all IBANs have a fixed length of 22 characters.

IBAN has two main components i.e. the header and the Basic Bank Account Number (BBAN).

The header helps to identify and verify the IBAN internationally. It contains the ISO two letter country code and the two check digits.  Accordingly, the first 2 characters of an IBAN for Bahrain are always ‘BH’ (the ISO country code which identifies Bahrain, where the customer account resides). The third and the fourth characters of an IBAN are always the two check digits, generated by a bank in Bahrain, where the customer maintains his account. 

The BBAN helps to identify an account number of a customer, as well as his bank, domestically. It comprises the Bank Identifier (which identifies the account holding bank) and the customer account number. In the case of Bahrain, the Bank Identifier is the first 4 letters of the SWIFT Code (BIC) of the respective account holding bank. The remaining part of the BBAN is the existing customer account number.

The length of the customer account number in the IBAN is fixed as 14 characters. It can contain numbers (0 to 9) and upper case letters (A to Z) depending on the respective bank. The length and structure of BBAN varies from country to country.

The main benefit of IBAN to the customer is the assurance of making a payment to the correct account without delay. Since banks check the accuracy of the IBAN at the point of initiating a payment, they can only make the payments which carry the correct IBAN.

IBAN can be used for the following domestic and cross-border payments

• Making an electronic payment (through a bank) to an account of a customer at a bank in the Kingdom of Bahrain;
• Receiving an electronic payment (through a bank) from an account of a customer in the Kingdom of Bahrain;
• Making an electronic payment (through a bank) to a person in a country that has adopted IBAN and the usage of IBAN is compulsory; 
• Receiving an electronic payment (through a bank) from a person in a country that has adopted IBAN; and
• Receiving an electronic payment (through a bank) from a person in a country that has not adopted IBAN.
  

An IBAN can always be distinguished from a normal customer account number by the following:-
(a) Two letters at the beginning of the IBAN, which refer to the country code where the account resides;
(b) Two numbers (in the third and fourth position of the IBAN), which represent the check digit;
(c) Four letters (after the check digits) to identify the respective bank where the beneficiary maintains his/her account; and
(d) The length of the IBAN is 22 characters.

For example, an IBAN of a normal account number of 100000123456 is:

BH83 BBKU 0010 0000 1234 56
It starts with “BH” (country code), followed by “83” (the two check digits), “BBKU” (bank identifier, which is the first 4 letters of the SWIFT Code (BIC) of the bank).
No existing customer account has this IBAN structure.

The procedure involved in using IBAN in an electronic fund transfer is explained below:

1. The bank holding the beneficiary's (recipient of the payment) account generates and provides the IBAN to the beneficiary;
2. The beneficiary informs his/her IBAN to the paying/ordering customer;
3. The paying/ordering customer submits an electronic fund transfer/payment order, which includes the beneficiary's IBAN; and
4. The paying/ordering customer’s bank validates/checks the IBAN in the outward payment message. After the receipt of the inward payment message, the beneficiary (recipient’s) bank validates the IBAN and credits the money to the beneficiary’s account.
   

When you write or print an IBAN on a document, it has to be split into groups of four characters, e.g.: BH83 BBKU 0010 0000 1234 56 to support easy recognition. The last group of the IBAN for a customer in Bahrain contains two characters.

There should not be any spaces when entering the IBAN in an electronic payment message. The IBAN should be presented in an electronic payment message as a continuous string of characters i.e. BH83BBKU00100000123456

Yes. BBK require direct salary transfer from your employee. Self employed applicants must transfer their income to their accounts in BBK.

You can be assured of complete privacy when you use BBK Bank' Retail Banking facility. We have built several checks to safeguard your Internet Banking transactions. Before you gain access to your account, you will be asked to enter your unique customer ID and ePIN to verify your identity. To maximize the security and confidentiality of your transactions, your password is not accessible to anyone, not even bank employees.

When you bank with us on the Internet, you are always in a secure zone. To ensure the security of your transactions, we use a technology called Secured Socket Layer (SSL), which involves scrambling of the information between you and the Bank. If an unauthorized user tries to access your account by keying in various combinations while trying to guess your ePIN, your account will automatically get locked. These features work together to maximise the security of your banking transactions

You can be assured of complete privacy when you use BBK Bank' Retail Banking facility. We have built several checks to safeguard your Internet Banking transactions. Before you gain access to your account, you will be asked to enter your unique customer ID and ePIN to verify your identity. To maximize the security and confidentiality of your transactions, your password is not accessible to anyone, not even bank employees.

When you bank with us on the Internet, you are always in a secure zone. To ensure the security of your transactions, we use a technology called Secured Socket Layer (SSL), which involves scrambling of the information between you and the Bank. If an unauthorized user tries to access your account by keying in various combinations while trying to guess your ePIN, your account will automatically get locked. These features work together to maximise the security of your banking transactions.

In case you have forgotten your ePIN, you can easily create a new one by using the ePIN Online Generation or visiting the nearest branch to request one.

As for the authorization password, only you can request this type of password by accessing Internet Retail Banking and select Authorization Password located under Preferences.

• Funds Transfer is transferring funds between your accounts in real-time.
• Preset Instrucitions is transferring fundsfrom your personal account to any other account within BBK, Bahrain or abroad.

• Saves time as eSatements are available online and customers will be able to view the current month’s Statement and previous Statements.
• eStatements are environmental friendly and have a positive impact on the environment by eliminating the need for paper statements.
• It’s secure, as your statement won’t be misplaced, lost or stolen in the mail.
• It’s faster than paper mail; it will be available to you online.

Pull messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account.

Service Code	SMS Banking Services	SMS Format	Example
BAL	Pull - Account Balance	BAL <space> Account Shortname
BTP	Pull - Batelco Bill Payment	BTP <space> From Account Shortname <space> To Bill Account Shortname <space> Amount
BTI	Pull - Batelco Bill Enquiry	BTI <space>  Bill Account Shortname
BTOP	Pull - Batelco mobile Topup	BTOP<space> From Account Shortname <space> To Bill Account Shortname <space> Amount
CBR	Pull - Check Book Request	CBR <space> Account Shortname
OPAY	Pull - Credit - Other Card Payment	OPAY <space> Account Shortname <space> Input Card Number of Other Card <space> Amount
CPAY	Pull - Credit Card Payment	CPAY <space> From Account Shortname <space> To Card Shortname <space> Amount
CCS	Pull - Credit Card Stop	CCS  <space> Card Shortname
CBAL	Pull - Credit Card Balance Enquiry	CBAL <space> Card Shortname
CBILL	Pull - Credit Card Last Bill Enquiry	CBILL <space> Card Shortname
FTE	Pull - Fund Transfer Other Account – External	FTE <space> From Account Shortname <space> Beneficiary Account Shortname <space> Amount
FTI	Pull - Fund Transfer Other Account – Internal	FTI <space>  From Account Shortname <space> Beneficiary Account Shortname <space>  Amount
FTO	Pull - Fund Transfer Own	FTO <space>  From Account Shortname <space>  To Account Shortname <space> Amount
HTOP	Pull - Al Hayrat Topup	HTOP  <space>  From Account Shortname <space>  To Account Shortname <space> Amount
TXN	Pull - Last N Transactions	TXN <space>  Account Shortname
CTXN	Pull - Last N Unbilled Transactions on Credit Card	CTXN <space>  Card Shortname
QP	Pull - Quick Pay	QP  <space>  QP Shortname
CHGMOB	Pull - Secondary Mobile Activation***	CHGMOB
EBP	Pull - Utility Bill Payment - Electricity	EBP <space>  From Account Shortname <space>  To Utility Account Shortname <space> Amount
ZI	Pull - Zain Mobile Bill Enquiry	ZI <space>  Bill Account PIN (provided by Zain) <space>  To Bill Account Shortname
ZP	Pull - Zain Mobile Bill Payment	ZP <space>  From Account Shortname <space>  Bill Account Shortname <space>  Amount
ZTOP	Pull - Zain mobile topup	ZTOP <space>  From Account Shortname <space>  Bill Account Shortname <space>  Amount

There are two ways of activating the secondary mobile number:

1. By logging to My Profile and from (My Profile page) clicking on activate
2. By sending Pull SMS containing the corresponding service code relating to Pull-Secondary Mobile Activation using your active primary mobile number
   

You can do the following:

• Contact BBK Call Center on 17207777 to stop your BBK Mobile Banking access
• Login to MyProfile and change the primary mobile number or deactivate the service
  

• Cash and cheque deposits (at branch ATM’s only). 
• Account balance enquiries.  
• Printing of statements. 
• Transfer of funds between linked accounts maintained with BBK.
• Cheque book request.
• Real time Batelco post paid bill payments 
• Real time Batelco prepaid top ups 
• Real time Zain postpaid bill payments 
• Real time Zain prepaid top ups 
• Electricity bill payment  
• CrediMax Credit Card bill payments.
• Al Hayrat top up (multiples of BD 50)
  

You can reset your login ePIN using any of the following:

• Login to Internet Retail Banking to reset your login ePIN 
• Login to BBK’s Telebanking service
• Apply for a new ePIN using the ePIN Online Generation service on BBK’s website
• Visit the nearest BBK Branch or Financial Mall
  

Yes. You can pay the following type of bills:

• Batelco Bills
• Zain Bills
• Electricity and Water Bills
  

Yes. You have four types of money transfers:

1. Transfers between your accounts in BBK (No charge – real time)
2. Transfers to any accounts in BBK  (No Charge – real time)
3. Transfers to other Banks accounts (Bank Charges applied  - standard time on processing)
4. Transfers to Al Hayrat Accounts (No Charge – real time )
   

• Real time Credit card bill payment using your CrediMax card 
• Real time Batelco post paid bill enquiry and payments 
• Real time Batelco SimSim top-  
• Real time Zain post paid bill enquiry and payments 
• Real time Zain eeZee top-up  
• Cheque deposits
  

• Check the balance or summary of your accounts:  
• Conduct  bill payments to Batelco and Zain
• Conduct electricity payment
• Conduct payment to your Credimax Card
• Make payment of telephone bills through Credit Card Transfer funds between the various accounts within the Bank or outside. 
• Request your current cycle and quarterly account statement by fax or mail. 
• Change your ePIN to any number of your choice. 
• Request chequebooks. 
• Report lost/stolen credit cards. 
• Receive the previous month´s Credit Card statement by fax. 
• Receive Credit Card transactions by fax. 
• Ask for product application forms for Credit Cards, Car & Consumer Loans, Saving & Current Accounts and more... and have it sent to you by fax.
  

Card member is responsible to provide correct information and should write a valid card number in the deposit form. BBK may reject such payments if card number is incorrect.

Should a Cardmember wish to settle a bill that is not denominated in Bahraini Dinars, currently BBK will convert your bill into the equivalent in Bahraini Dinars at the prevailing BBK foreign exchange rate. Alternatively, you may also call American Express Customer Services on +973 17 557755 where a an American Express Customer Service Representative will advise you on the Bahraini Dinar equivalent of your due balance per American Express’ conversion rates. 

Once your payment has been made, we will provide you with a Payment Deposit Receipt. Please be sure to retain this Receipt for your personal records.  In the event of a dispute, we must insist that this Receipt is provided.

Yes. You can withdraw money partially or fully. Partial redemption is available anytime after the completion of 1 year, subject to maintaining a minimum of BHD 350/- or
USD 1,000/- in the account.

However, full surrender is available anytime during the policy term, subject to surrender charge equal to the wakala fees payable for the balance term of the policy if the surrender is made before the completion of 1 year and payment of related contributions.

The below table states the annual contributions to be made for each plan option: -

As a participant in the individual contribution package, in case you meet with an unfortunate event of death due to accident (God forbid), your family would get paid the life cover amount immediately.

 However, in the unfortunate event of permanent disability you would get a lump sum calculated as per the scale mentioned in the policy contract. The claim amount is based on the type of disability. A wide range of permanent disabilities are covered and include but not limited to permanent total disablement from gainful employment, permanent loss of one or more limbs, eyes, loss of hearing in one or both ears, speech, toes, fingers and many other forms of permanent disabilities. Please refer to the policy contract for more information.

 The below table outlines the protected events and the percentage of the Sum Protected that is paid according to the degree of disablement:
  

* Note: phalanges are bones (plural for phalanx) that form the fingers and toes. An individual’s thumb and big toe have two phalanges, while the other fingers and toes consist of three.

If you opt for the family contribution package, in addition to the above individual benefits to you, your spouse and an unlimited number of your dependent children are also each covered for 10% of your life and permanent disability scale cover, all in one single policy.

If you are a parent between 18 years to 55 years and your child’s age is between 0 years (2 weeks) to 15 years, you are eligible to apply for EducateSecura.

You as a parent can choose an age between 18 years to 23 years as the maturity age of your child. Your age as a parent should also not exceed 60 at maturity. Upon attaining the maturity age you can avail the investment fund value as a lump sum or spread it over 2 years to 5 years.

The term of the plan is calculated as higher of (a) the difference between the chosen maturity age and the current age of the child, or (b) 5 years.

The minimum life cover that you can avail in EducateSecura is 5 times your annual contribution and the maximum you can avail is 20 times your annual contribution.

The minimum contribution is BHD 500/- per year for BHD currency plan and USD 1,500/- per year for USD currency plan. However, on monthly mode, the minimum contribution is BHD 50/- per month for BHD currency plan and USD 150/- per month for USD currency plan. Other payment modes are also available such as quarterly (BHD 125/USD 375) and semi-annually (BHD 250/USD 750).

As a participant, in case you meet with an unfortunate event of death (God forbid), your family would get (a) paid the life cover amount immediately, (b) all the future contributions to be paid by you are waived, and (c) the takaful fund will continue the contributions on your behalf till maturity of the plan thereby increasing your child’s education benefit at the time of maturity.
 However, in the unfortunate event of total permanent disability, (a) all the future contributions to be paid by you are waived, and (b) the takaful fund will continue the contributions on your behalf till maturity of the plan thereby increasing your child’s education benefit at the time of maturity.

Yes. You can withdraw money partially or fully. Partial redemption is available anytime after the completion of 3 years, subject to maintaining a minimum of BHD 350/- or USD 1,000/- in the account.

However, full surrender is available anytime during the policy term, subject to surrender charge equal to the wakala fees payable for the balance term of the policy if the surrender is made before the completion of 3 years and payment of related contributions.

Cover Continuance Benefit is a unique feature that provides you continued protection, even if you stop paying your regular contributions. Your policy shall be kept in-force by cancellation of units at the prevailing unit price to make your donations to the takaful fund, so long as there are units to support such contributions for at least 3 months.

Booster Contribution is an option that allows you to invest surplus money at anytime to make it grow faster. The minimum Booster Contribution should be BHD 175/USD 500.

The other benefits that you can avail are (a) funds switching (6 times free every year), (b) contribution redirection to different funds, (c) increase and decrease in regular contribution on policy anniversary, and (d) increase and decrease in life cover on policy anniversary.

If your age is between 18 years to 64 years, you are eligible to apply for ExpressSecura.

ExpressSecura provides a life cover of BHD 30,000/- in the basic plan option.
ExpressSecura also provides an enhanced plan option by bundling four additional benefits – Accidental Death Benefit, Permanent Total Disability, Daily In-Hospital Cash and Terminal Illness – along with the base plan.

ExpressSecura is a one (1) year plan that can be renewed every year upon expiry.

As a participant, in case of an unfortunate event of death (God forbid), your family would get paid the life cover amount immediately. In the unfortunate event of accidental death, your family would get paid double the life cover amount immediately.
 In case of permanent total disability due to an accident that results in interruption of the regular activity or work for at least 6 months, you would get paid the life cover amount.
 If as a result of injury due to accident or sickness, and if you shall be necessarily confined as an In-Patient in a Hospital for a minimum of 24 hours under the continuous attendance of the Physician, you would get paid the amount of Daily In-Hospital Cash Benefit for each day of hospitalization from the first day of hospital confinement, subject to maximum of 60 days (per contract year) in respect of the same injury or sickness.
 However, in the unfortunate event of being diagnosed with an advanced or rapidly progressing incurable illness (Terminal Illness) where, in the agreed opinion of 2 independent Medical consultants and Medgulf Allianz Takaful, the life expectancy is no greater than 12 months, you will get paid the Terminal Illness cover amount which is 50% of the life cover amount. In the unfortunate event of subsequent death, the remaining 50% will get paid to your family.