Bank of Jordan review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Bank of Jordan suits people who live and work in Jordan and want saving, cards and loans from a single bank. Personal loans run JOD 10,000 to JOD 100,000 at 8.99% over 96, while the easy-access smart saver has a monthly fee of JOD 0.
Key facts
Loans
- APR
- 8.99%↗
- Loan amount
- JOD 10,000 to JOD 100,000↗
- Term
- 96 months↗
- Arrangement fee
- 1% of loan amount↗
- Representative example
- Personal loan of JD 10,000 over 7 years at 8.99% interest plus 1% commission, monthly payment JD 161↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Jordanian nationals residing in Jordan, at least 21 years old, salary transfer to BOJ required↗
- Origination fee (%)
- 1%↗
- Loan types
- Personal, Secured, Credit-line↗
- Pricing model
- No monthly fee
Savings
Mortgages
Credit cards
- Card kind
- Credit↗
Facts checked September 26, 2026, 9 sources
Pros and cons
Pros
- The smart saver is an easy-access account with a monthly fee of JOD 0 and a minimum deposit of JOD 100
- Personal loans cover JOD 10,000 to JOD 100,000 at 8.99% over 96 with an arrangement fee of 1% of loan amount
- Housing finance starts at an initial rate of 6.99% with an APRC of 6.99% and a maximum loan to value of 80%
- Both a debit card and a credit card run on the mastercard network
Cons
- The savings rate of 0.1% to 2% sits below the 3% site median
- Support runs on phone and email only, with no live chat or help centre listed
Who it suits
- Residents of Jordan who want saving, cards and loans under a single roof
- Salary earners ready to move income to the bank, since a salary transfer is required for personal loans
- Homebuyers working within a maximum loan to value of 80%
Who should look elsewhere
- Anyone outside Jordan, because personal loans are limited to Jordanian nationals residing in Jordan
- Savers chasing the strongest easy-access yield, since 0.1% to 2% sits under the 3% site median
- Borrowers needing sums above JOD 10,000 to JOD 100,000 or a loan to value above 80%
The company behind it
Bank of Jordan trades as Bank of Jordan P.L.C and is headquartered in Jordan. Founded in 1960, it is an established Jordanian bank rather than a new entrant, and it runs its own savings, cards, personal loans and housing finance. Customer queries are handled through phone and email.
How Bank of Jordan compares
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Frequently asked questions
What does the smart saver account cost to run?+
The smart saver account has a monthly fee of JOD 0 and a minimum deposit of JOD 100. It is an easy-access account, so savings stay reachable when needed, and interest is paid at a variable rate.
How much interest does it pay, and how does that compare?+
Interest on the smart saver is a variable rate, and the band runs 0.1% to 2%. The median headline rate across savings accounts on the site is 3%, so this band sits below the typical figure. It suits savings you may need at short notice.
Can I open the account without visiting a branch?+
You can open it through the BOJ Mobile app, so no branch visit is needed, and interest is credited on a set schedule without any request. The account stays easy-access once funded, and the monthly fee is JOD 0.
How much can I borrow and what does a personal loan cost?+
Personal loans run across JOD 10,000 to JOD 100,000 at 8.99%, repaid over 96, with an arrangement fee of 1% of loan amount on top. The published example shows interest plus commission on the amount borrowed, settled in equal monthly instalments, and borrowing can be personal, secured or a credit line.
Who can apply for a personal loan?+
Eligibility is limited to Jordanian nationals residing in Jordan who are adults, and a salary transfer to Bank of Jordan is required. That salary condition comes first in any application. Loans for this group run JOD 10,000 to JOD 100,000.
Can I get a mortgage, and on what terms?+
Housing finance covers purchase and remortgage, with an initial rate of 6.99% and an APRC of 6.99% over a fixed period of 20. The maximum loan to value is 80% and the housing product fee is JOD 0.
What cards does the bank issue?+
The range covers a debit card for everyday spending and a credit card, both on the mastercard network. Everyday payments and card borrowing can therefore sit with the same bank that holds your savings and your loans.
How do I reach the bank if something goes wrong?+
Customer queries go through phone and email, which covers phone and email. Those are the only support routes, so a call or an email is the way in once branch hours are over, and account services stay with the bank itself.
Sources
- bankofjordan.com/en/accounts/savings-account checked September 26, 2026
Backs: Access terms, Minimum deposit
“Interest Rate paid every 6 months; Account can be opened through BOJ Mobile app”
- bankofjordan.com/en/accounts/smart-saver-account checked September 26, 2026
Backs: Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“No minimum balance; Interest credited to account on a monthly basis”
- bankofjordan.com/en/cards/credit-cards checked September 26, 2026
Backs: Card kind
“Credit Cards: World MasterCard, Visa Platinum, Visa Gold, Visa Classic”
- bankofjordan.com/en/cards/debit-cards checked September 26, 2026
Backs: Card type, Card network
“Your BOJ Debit Mastercard is your future”
- bankofjordan.com/en/contact-info checked September 26, 2026
Backs: Support channels
“Contact Center: +962 6 5807777; Email: boj@bankofjordan.com.jo”
- bankofjordan.com/en/loans/housing-2 checked September 26, 2026
Backs: Maximum loan to value, Product fee, Purpose
“Financing up to 80% of the chosen property value”
- bankofjordan.com/en/loans/personal checked September 26, 2026
Backs: Loan amount, Eligibility, Lender type, Loan types, Term
“Loan Amount up to JD 100,000”
- bankofjordan.com/en/products-services-tariff checked September 26, 2026
Backs: APR, APRC, Fixed period, Initial rate, Arrangement fee, Origination fee (%), Representative example
“Personal Loan 8.99%”
- en.wikipedia.org/wiki/Bank_of_Jordan checked September 26, 2026
Backs: Founded, Headquarters, Legal entity
“It was founded in 1960 and is based in Amman”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Bank of Jordan
Easy-access saving in Jordan with personal and housing lending from the same bank.