The Retail Banking Services Department, offers a wide range of Islamic banking services.

Through compliance with Islamic Sharia’a and modern banking solutions, the Bank offers a unique experience to its customers through the personal banking services at its branches, ATM network that are distributed around the Kingdom and phone banking service.

It is a profit-free call account specifically designed to meet the requirements of the Bank’s customers. Account holders can deposit and withdraw money by cheque, at branch counters and through ATMs. Such accounts are also available to private companies and businesses, social organizations, clubs, and other customers. Special Features:

• Cheque book.
• ATM card (free for the first time).
• Use of ATM card for payment of the value of purchases made at many shops, business or retail outlets in Bahrain.
• Use of ATM card throughout the GCC with the use of GCCNET, in addition to other countries such as Iran, Jordan, Lebanon and Egypt.
• Monthly statement of account provided upon request (free of charge).
• Phone banking services for transfers between accounts and payment of telephone, electricity and water bills.
• Monthly deductions in favor of charitable societies and funds without payment of fees.
• Fixed monthly transfers.
• Domestic and overseas transfer.
• Possibility of opening the account in different currencies.

BisB’s Savings Account is designed specifically to meet the requirements of customers who authorize the Bank to invest their cash deposits. Customers can deposit or withdraw money at any time they wish. Profits are credited to the lowest monthly balance according to the rate declared by the Bank. The Bank’s profit sharing rate makes this account the best of its kind in the market. Features:
• ATM card (free for the first time).
• Use of ATM card for payment of the value of purchases made at many shops, business or retail outlets in Bahrain.
• Use of ATM card throughout the GCC with the use of GCCNET in addition to other countries such as Iran, Jordan, Lebanon and Egypt.
• Statement of account every 6 months (free of charge).
• Phone banking services for transfers between accounts and payment of telephone, electricity and water bills.
• Domestic and overseas money transfer service.
• Monthly deductions in favor of charity societies and funds without payment of fees.
• Fixed monthly transfers on the account.
• Profits calculated on the average daily balance and credited to the account every 6 months.

BisB’s Investment Deposit Account is a high return account that enables customers to deposit fixed sums of money in the Bank throughout the year and for fixed periods (1 month, 3 months, 6 months, 9 months or 12 months) with the possibility of withdrawing profits on fixed dates. The Bank invests such funds and profits are distributed according to the agreement signed between the two parties according to the provisions of Islamic Sharia’a. The account may be opened in Bahraini Dinars or any of the major foreign currencies. This account provides income protection and allows profit sharing according to the principles of Islamic Sharia’a.

ATM cards are provided to all BisB customers free of charge. When this card is used in making purchases or cash withdrawals, the customer’s account is debited, and the transaction is shown in the statement of account. Therefore, a customer must have sufficient balance to cover the amount of purchases or withdrawals. It enables you to obtain various goods and services through the express cash systems in all local hotels, shops, stores, outlets and car hire firms. The card allows you to have access to your account through BisB ATMs, through National “Benefit” Network and through GCCNET. Features:
• It is safe and secure so that there is no need to carry cash any more.
• Possibility of cash withdrawals from all ATMs linked to the Benefit network in Bahrain and the Gulf-wide GCCNET, in addition to other countries such as Iran, Jordan, Lebanon and Egypt.
• Withdrawals of up to BD 500 per day.
• Possibility of depositing cash sums and cheques (through the Bank’s ATMs only).
• Obtaining a statement of account for the last 5 transactions.
• Transfer of funds between your personal accounts with the Bank free of charge.
• Payment of electricity, water and telephone bills.
• Possibility of changing your PIN at any time.
• Cash withdrawals are possible using American Express Cards.

Customers can rent safe deposit boxes for safekeeping of their valuables. Customers can have access to such items at any time during the Bank’s official business hours.

BisB Overseas Transfer Department is dedicated to serve the growing requirements of our customers for ensuring safe and speedy transfers of their money. There are three main methods of making overseas transfers through numerous correspondent banks all over the world. We offer competitive rates for most currencies.

• Transfers in the major world currencies.
• Payments are ensured within 24 hours.
• Reasonable exchange rates.
• High levels of efficiency and speed.

• Lowest cost and highest security levels.
• Available in all major currencies.
• Very competitive rates.
• Transfers to various parts of the world.

To view the Code of Best Practice on Consumer Financing and Chariging Click Here. 

To view the Complaint Resolution Process Click Here. 

The Murabaha Car Finance allows customers to own a new or used car (not more than 3 years old), through a repayment period of up to 7 years (5 years for used cars) and a very flexible and high ceiling against payment of competitive profit rates. Salary transfer is an option. It enables the customer to fix the rate of profit that he wishes to pay on the basis of certain criteria which include the option of customer’s desire to transfer his salary to the Bank, willingness to make a down-payment, and flexibility of re-payment (duration).

Tas’heel has been designed according to the principles of Islamic Sharia’a. It is currently considered as the latest and quickest means of obtaining cash finance on a Murabaha basis. Tas’heel is completely different in terms of procedures and rules from any other Islamic solution on offer. Tas’heel’s benefits:
• Education and training (inside and outside Bahrain).
• Medical care and treatment in all hospitals (inside and outside Bahrain).
• Marriage with all its requirements including dowry, bride’s gifts, marriage reception, wedding reception function room, and travel for honeymoon.
• Travel services (such as air fares, tour packages, Haj and Umra).
• Debt repayments to businesses and individuals.
• Purchase of non-manufactured products such as furniture and other items.
• Buying building materials and payment of the costs of manpower for renovation or building a house or flat.
• Making down payment for buying a house, flat or land.
• Purchase of products from outside Bahrain such as cars, furniture, equipment, and other products.

Whatever your financial requirements related to property, we have a solution. Whether it be buying a ready or under construction home or flat, completing construction of a housing unit, buying or leasing land or even buying property which is mortgaged in favor of other banks and leasing it to you until you acquire its ownership, our Property Finance is tailor made for your requirement. Features of Ijara Montahia bel Tamleek:
• Large amount of finance of up to BD400,000.
• Immediate approval of the transaction when it fulfills the conditions.
• Takaful life insurance.
• Flexible and convenient installments.
• Long repayment period of up to 25 years.
• Competitive rate of profit.
• Flexible and speedy processing.

BisB provides Visa cards that are fully compatible with the principles of Sharia’a. Your card can be used worldwide where there is a Visa sign on the windows of shops or retail outlets, hotels, websites and other premises. Cardholders can also make cash withdrawals at more than one million ATMs and financial institutions all over the world. There is no need to wait for the salary when you can use the card and pay for the value of your purchases without payment of any interest. Visa Card Features and Services:
• Silver and Gold cards for individuals and companies.
• Secondary cards for your family members.
• No additional profits are charged.
• No hidden fees are charged such as delayed payment fees or overdrafts.
• Competitive joining fees.
• Flexible payment of bills automatically from your account with the Bank at the end of the month.
• Use of the card for making cash withdrawals at more than one million ATMs and financial institutions worldwide.
• Widely accepted at more than 24 million commercial establishments worldwide.