Definitions

• Bank: Bahrain Islamic Bank B.S.C.
• Card: the BisB Prepaid Card issued by the Bank to a Cardholder.
• Cardholder: the person that the Bank issues the Card in His / Her name.
• Card Account: the account opened with the Bank in the name of the Cardholder in accordance with these Terms and Conditions.
• Available Funds: the debit amount available in the Card Account.
• Card Transaction: the purchase of goods and services including but not limited to, Point of Sale (P.O.S.) transactions, ATM withdrawals, online and telephone transactions.
• Validity Period: the period for which the Card is valid as determined by the Bank.
• PIN: the Personal identification Number issued by the Bank for the Card.
• eBanking: the Bank’s electronic services provided at ebisb.com or BisB Mobile
• Fees and Charges: any charges, fees and costs that the Cardholder is required to pay to the Bank for the usage of the Card. These charges include, but are not limited to, the amount incurred by the Cardholder on all Card Transactions, as well as fees for issuance, renewal, and replacement of the Card. The specific details of these fees and charges can be found on the Bank’s website and at its branches. The Bank reserves the right to amend these fees and charges at its sole discretion from time to time.
• Merchant: any corporate entity, individual or establishment that offers goods and services and accepts the Card as a form of payment or reservation made by the Cardholder.
• These Terms and Conditions supplement the General Terms and Conditions of Account and Credit Cards Terms and Conditions which govern your Card. If there is any inconsistency between the provisions of these Terms and Conditions  and the provisions of the General Terms and Conditions of Accounts and Credit Cards Terms and Conditions, the provisions of these  Terms and Conditions will take precedence over any other terms between the Bank  and the Cardholder in relation to the Card.

Use of the Card

• The Card shall not be transferable, and usage of the Card shall be deemed as evidence of acceptance of these Terms and Conditions.
• Funds can be added to the Card using any of the Bank’s accessible methods of topping up.  
• The Bank sets a maximum limit for the amount that can be credited into the Card, and this limit is subject to change as determined by the Bank.  
• The Bank sets a maximum limit for the amount that can be credited onto into the Card, and this limit is subject to change as determined by the Bank.  
• The Cardholder warrants that the funds credited onto the Card at any given time are originated from legitimate sources and are not associated with activities related to terrorism, money laundering or any other unlawful activities under the laws of the Kingdom of Bahrain, international regulations, or the laws of other countries as applicable.
• Only the designated Cardholder, whose name appears on the face of the Card, and the authorized persons, may use the Card.
• The Cardholder acknowledges that the Card has an expiration date displayed on its face, and any attempts to use the Card beyond this date will be declined. The Bank, at its discretion, may renew the Card prior to the expiration date.
• The Cardholder agrees to:

1. Sign on the space designated for signature at the back of the Card immediately upon receipt.
2. Either keep the PIN in a secret place away from the Card and take all the necessary precautions to prevent others from knowing it, or destroy the PIN notification after memorizing the PIN.
3. Use the Card within the available funds of the Card Account, as per the daily spend limit declared by the Bank.
4. Refrain from disclosing the Card Number to any unauthorized person, any unauthorized website or any other unauthorized channel that may expose the Card Account for abuse and/or fraudulent transactions and acknowledge his/her full liability to any misuse of the card that may result from violating the undertaking herein.
5. Avoid using the Card for any illegal transactions as defined by:
   • Payment provider regulations.
   • International authorities.
   • Laws of the Kingdom of Bahrain.
   • Islamic  Sharia’a standards as  issued by the Accounting and Auditing
   • Organization for Islamic Financial Institutions (AAOIFI) and as interpreted by the Bank’s Sharia’a Board.

• The Cardholder undertakes not to use or facilitate the use of the Card, either directly or indirectly, for any activities associated with money laundering and terrorism financing.
• The Card operation may require the approval of the Cardholder’s guardian to verify suitability for use.
• The Cardholder along with their estate/guardian, assumes responsibility for setting off the outstanding amounts on the Card, the costs (including any legal fees) and expenses incurred by the Bank in recovering all outstanding balances on the Card.

Currency Conversion 

• The Card allows transactions in multiple currencies.
• The exchange rate used for converting foreign currency transactions to the Card’s base currency will be determined by the Bank at its sole discretion.

Safeguarding the Card Number

• The Cardholder must maintain strict confidentiality, security and exercise all possible care to ensure the safety of the Card and the PIN code from disclosure to any unauthorized person. The Cardholder must not disclose the Card Number to any third party except in connection with a Card Transaction or when reporting the actual loss or theft of the Card to the Bank’s representatives or /and a government entity.
• If the Card is lost or stolen or damaged or if there is a reason to suspect that the PIN has become known to any unauthorized person, the Cardholder shall immediately notify the Bank’s Card Centre, any branch of the Bank or by calling 17515999 (24 Hours), or by mail to be sent to P.O.box 5240, Manama, Kingdom of Bahrain. The Bank’s liability to the transactions undertaken on the Card shall be effective as of the date of the Customer’s notification of the Card’s loss, damage or theft.
• The Cardholder undertakes to provide the Bank with all relevant information regarding the loss or misuse of the Card and ensures to take all necessary steps to assist the Bank in recovering the missing Card.
• The Bank has the right to document and retain records of instructions and conversation exchanged between the Cardholder and the Call Centre staff or Card Centre staff. Such records of instructions and conversations shall be considered as conclusive and binding proof on the Cardholder. Such records may be used as evidence in any legal proceedings before a court of law.

Card Account

• The Bank will open and maintain a Card Account for the Cardholder which enables him/her to deposit the amounts to be used. Any loss incurred by the Bank arising from any unauthized use of the Card will also be charged to this account.
• The Bank will directly charge to such Card Account the amounts of all purchases of goods and services or cash withdrawals by use of the Card where any Merchant in the course of a Card Transaction seeks an authorization from the Bank, the amount of such Card Transaction will reduce the amount of the Available Funds in the Card Account.
• The Bank reserves the right to charge a mark up on the currency exchange, as specified by the Bank.
• If the Merchant refunds the Bank the value of the service or merchandise provided to the Cardholder, the Bank shall credit such value to the Card Account upon receipt thereof.
• The Cardholder may obtain a detailed statement of account showing the transactions that took place with the Card by logging to the Bank’s eBanking Portal at www.ebisb.com or BisB Mobile
• The statement of account shall be considered as accepted by the Cardholder if he/she does not object thereto within the specified duration of 15 days from the date of the statement.
• The Cardholder acknowledges and agrees that the non-receipt of the Card Account statement does not serve as an excuse for non-payment of any due amount. The Cardholder can access information regarding due amounts through the Bank’s eBanking Portal.  
• The Customer acknowledges that some differences may arise between the amounts in the bills and the amounts in the Bank statement due to rounding the amount figure from three to two decimals or any other reasons related to

Fees and Charges

• The Cardholder hereby acknowledges and agrees that all applicable fees and charges in connection with the usage of the Card will be deducted from the Cardholder’s Card Account balance.
• The Card will be subject to the following fees and charges, where applicable:
  • For cash withdrawal, currency conversion rate and could further include additional costs and fees required by third parties.
  • Card issuing fee: once at the opening of the Card Account and issuing the Card.
  • Debit balance retrieval charges through any account transfer or the issuance of a manager cheque.
  • Card replacement fee
  • PIN replacement fee
  • Statement copies fee
• The Bank’s approved Fees and Charges are available at the Bank’s branches and on the website.
• The Bank reserves the right to determine, add, waive or vary the Fees and Charges as per its sole discretion and notify the Cardholder by any means the Bank finds sufficient.
• In the event that the Card Account balance is not sufficient to the abovementioned Fees and Charges, the Bank reserves the right to recover the same directly from any account the Cardholder has with the Bank.

Suspension or Cancellation of the Card

• The Card remains the property of the Bank at all times. On request, all and any Card issued for use on the Card Account must be returned immediately to the Bank.
• The Bank may at any time suspend or cancel the right of the Cardholder to use the Card that is issued to him/her on temporary or permanent basis without any notice, or close the Card account  and cancel the Card if the  Cardholder fails to satisfy his/her obligations under these Terms and Conditions or any attachments thereto or under any other agreements or amendments, and/or if he/she defaults in the payment of the amounts as they fall due.
• The Bank may at restrict the use of the Card in purchasing some goods and services, as determined by the Bank.
• Such cancellation shall not absolve the Cardholder from his/her liabilities and obligations towards the Bank until the date of cancellation.
• The Cardholder authorizes the Bank to, without notice, combine or consolidate the outstanding balance on the Card with any other account held by the Cardholder with the Bank, in order to satisfy the Cardholder’s liability to the Bank under these Terms and Conditions.

Termination

• The Cardholder may terminate the Card Account by a written notice to the Bank but such termination shall only be in effect upon return of the Card to the Bank and the full settlement of all the liabilities of the Cardholder to the Bank. . Prior to leaving the Kingdom of Bahrain permanently, the Cardholder shall return to the Bank the Card issued by the Bank to the Cardholder.

Exclusion of Liability and Indemnity

• The Cardholder undertakes and agrees to indemnify the Bank against any actual loss, damages, liabilities, and incurred costs and expenses, that may arise due to these Terms and Conditions or any breach there. All actual costs and expenses related to such matters may be charged to the Card Account or any other account opened for the Cardholder with the bank.
• The Bank shall bear no liability whatsoever to the Cardholder for any loss or damage arising directly or indirectly from the following:
  • The malfunctioning of any ATM or disruption of communication systems, malfunctioning of any machine and data processing system, disruption of transmission links, industrial disputes or any event or circumstance beyond the Bank’s control.
  • The refusal of any Merchant or other financial institution or member of Visa International to honor or accept the Card, the Card numbers, or PIN or the refusal of any Merchant or other financial institution to extend or provide ATM withdrawals up to the available balance or at all.
  • Any defect or deficiency in the goods or services supplied to the Cardholder by any Merchant or, where applicable, for any breach or non-performance by a Merchant of a Card transaction.
  • The Cardholder’s use of the Card on the internet.
  • The misuse or fraudulent use of the Card by any person including the Cardholder.
  • Handing over of the Card to anyone other than the designated employees of the Bank at the Bank’s premises.
  • Providing any misstatement, misrepresentation, error or omission in any information disclosed to the Bank.

General Provisions

• The Cardholder shall immediately notify the Bank of any change of his/her name, contact number and address. Failure to do so will be at risk and the responsibility of the Cardholder.
• Any address or contact information provided by the Cardholder shall be considered as the correct information for all communication, notices, statements or letters between the Bank and the Cardholder. Any communication sent to the address provided by the Cardholder shall be considered as delivered to the Cardholder.  
• The Cardholder agrees to promptly notify the Bank upon becoming aware that any information held by the Bank about them is incorrect or incomplete.  
• The Bank shall not be liable in any manner whatsoever for any difference that may arise between any Merchant and the Cardholder concerning a Card Transaction that is the subject of payment.
• The Cardholder may request the complaint guideline from any of the Bank’s offices in the event of any unsatisfactory services.
• The Cardholder will be liable for all card transactions, cash advance and charges to the card by others if he/she shares the card’s details including the PIN with others.
• The Cardholder accepts full liability for all losses incurred and for all debits to his or her Card Account in accordance with these Terms and Conditions. Any other facilities or benefits made available to Cardholders as such as and not forming part of these Terms and Conditions may be withdrawn at any time without notice by the Bank.
• The Cardholder acknowledges that from time to time the Bank uses the services of third parties (service providers) for processing certain transactions which entails transmitting certain customer’s information. For this purpose, the applicant hereby irrevocably and unconditionally authorizes and provides his/her full consent to the Bank to transmit his/her information to such service providers.
  The Bank has the right to deduct any amounts from the Cardholder’s accounts to cover VAT, and any other taxes or levies that may be imposed by the competent authorities.
• The Bank reserves the right to modify the Card’s design and alter the method of calculation of handling charges, additional charges or any other charges associated with the Card. Such changes may be communicated to the Cardholder through any means deemed appropriate by the Bank.  
• The Bank reserves the right to cancel or amend these Terms and Conditions at any time as per the Bank’s sole discretion by   And announce such amendments in the manner deems to be appropriate for the bank.  
• Continuation of using the Card by the Cardholder upon receiving notification of amending these Terms and Conditions shall be construed as an acceptance of these amendments.
• The Bank may, at any time, request any document from the Cardholder that the Bank deems necessary to enforce these Terms and Conditions.

Applicable Law

• These Terms and Conditions shall be governed by, and construed   in accordance with, the applicable laws of the Kingdom of Bahrain and  in accordance with the Sharia’a standards issued by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) , if a conflict arises between the applicable laws and the Sharia’ Principles, the latter shall prevail.
• The Cardholder acknowledges and agrees that the concept of the payment of interest is repugnant to the principles of Shariah. In the event that any legal system imposes an obligation to pay interest, whether through contract or statue, the Cardholder explicitly and irrevocably waives and rejects any entitlements to recover interest from the Bank.
• In the case of either a claim by the Bank against the Cardholder or a dispute between the Bank and the Cardholder, the Cardholder agrees to irrevocably submit to the non-exclusive jurisdiction of the courts of the Kingdom of Bahrain.
• The interpretation, implementation and adjudication of any dispute that may arise in relation to these Terms and Conditions shall be subject to the Sharia’a standards issued by the Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) and as interpreted by the Bank’s Sharia’a Board . The parties further agree that the Central Sharia Board of the Central Bank of Bahrain will be the authorized expert to resolve any dispute in relation to these terms and Conditions or to interpret these Terms and Conditions, if it has been determined to refer the dispute to the competent court.
• In the case of conflict between the English and Arabic versions of these terms and conditions, the latter shall prevail.