Tejoori Savings Account

Tejoori Savings Account

Tejoori Al Islami is an investment account that allows the customer to win substantial cash prizes as a reward on their investment.

The Tejoori Al Islami investment account is a normal Mudharaba based investment account, and all prizes are paid from the shareholders promotional prize account.

A Special Gift for Someone Special

Tejoori Al Islami gift certificate gives you the opportunity to offer a memorable gift to someone special for the following occasions and more:

  • Eid
  • Graduation
  • Wedding
  • New Born Baby
  • New Home
Tejoori Al Islami Gift Certificate Required Documents:
  • Two valid Identification of the gift provider
  • The name and contact details of the gift receiver
What are the features of this account?
  • Minimum of BD50 in the account.
  • Each BD50 in the account will entitle the accountholder to have 1 certificate to enter the monthly, quarterly and yearly raffles.
  • Mudharaba system is applied at the same rate of savings accounts, which are 65% of the profit for the Mudhareb (the Bank) and 35% of the profit for Rab Al Maal (the account holder).
  • Deposit or withdraw any amount from the account, knowing that each BD50 in the account will entitle the customer to enter the raffle by one certificate while all other fractions will not be considered in the raffle.
  • Every certificate will be entitled to enter the raffle after its minimum of 30 days of the deposit into the account.
  • Investment Certificate is printed at the time of the creation of the account and the deposit of the amount into the account and at anytime the customer requests.
  • Investment Certificate will hold the number of all tickets of the customer in addition to the account balance at the time of printing.
  • At the customer's request, a new certificate can be issued after every deposit or withdrawal from the account at any branch.
  • The winning customers will be required to present the original certificate that holds the winning ticket number for claiming the prize.
  • If the customer lost his/her certificate a replacement will be issued by a written request from the customer and after collecting a replacement fee of BD5.
  • Tejoori Al Islami Raffles will take place on the first week of every month.
  • All raffles will be conducted with the presence of internal and external auditors and a representative from the Ministry of Industry and Commerce.
  • Winners will be announced and notified in websites and on social media.
Tejoori Al Islami's Monthly and Grand Prizes:

Monthly Prizes

Total Number of Prizes
Total Value of Prizes
$1,000 50 $50,000 Public*
$5,000 5 $25,000 Public
$10,000 2 $20,000 Public
$20,000 1 $20,000 Loyal**
Total 58 $115,000 -

Grand Prizes

Total Number of Prizes
Total Value of Prizes
$50,000 2 $100,000 Public
$100,000 2 $200,000 Loyal
$500,000 1 $500,000 Public
Total 5 $800,000 -

Special Draws

Total Number of Prizes
Total Value of Prizes
$5,000 4 $20,000 Public
Total 4 $20,000 -
  • *Public: The entire Tejoori database is eligible for the draw.
  • **Loyal: Only customers who meet the below criteria are eligible for the draw:
  •   -Accountholders since 3 years or more


      -Accountholders with 200 eligible certificates or more
Tejoori Raffle Dates
Draw Description
Monthly Monday February 10, 2014









Thursday March 6, 2014
Thursday April 3, 2014
Monthly and Grand Tuesday May 6, 2014
Monthly Tuesday June 3, 2014
Thursday July 3, 2014
Monthly, Grand, and Ramadhan Tuesday August 5, 2014
Monthly Wednesday September 3, 2014
Thursday October 2, 2014
Tuesday November 4, 2014
Wednesday December 3, 2014
Monthly and Grand Tuesday January 6, 2015
Grand Raffle Entries

The more and longer you invest, the greater are your chances of winning. Every BD50 entitles you for an entry to the raffle as mentioned in the table below:

Deposit Period
Number of entries to the Grand Raffle
Draws for every BD50
Bronze 30 Days 1
Silver 1 Year 2
Gold 2 Years 4
Diamond 3 Years 6
  • All raffle draws will be held on the first week of every month.
  • Minimum age requirement for account opening is 18 years.
  • Guardians can open Tejoori accounts for children less than 18 years old. Requires child smart card (child birth certificate for mothers).
Loyalty Customers

To reward our customers for their trust and support, we have created the “Loyalty Program” which will allow them to enjoy more chances of winning big through exclusive draws as mentioned in the table below:

Monthly Draw $20,000
Grand Draw (April) $100,000
Grand Draw (July) $100,000
What Fatwas principle is this account based on?

Click here to view the Fatwa principle of this account


Tejoori Al Islami savings account is available to Bahraini and non Bahraini nationals.

The general criteria of opening BisB's Tejoori Al Islami savings account is detailed below:

Age of Applicant: 18 years of age at the time of application.

Accounts may also be opened in the names of minors by their legal guardian.

Companies and individual establishments may also open Tejoor Al Islami accounts.

Required Documents

To apply for Tejoori Al Islami savings account, applicants must provide the following documents:

  • Two valid Identifications.
  • Filled and signed application form.

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