All about bank loans, House Financing, Car Financing, Credit cards and Personal Loans

Debit Card Do you think about the risk of carrying cash in your wallet? Afghanistan International Bank has introduced its International Debit Card for the first time in  Afghanistan to access your bank account for cash withdrawal and balance inquiry Point of Sales worldwide through ATM machines and for making your payments via POINT OF SALE terminals. How it happens? The International Debit Card is branded / powered by Maestro allowing you to use all ATMs and POINT OF SALE terminals across the world, which accept Maestro/MasterCard brand. How to apply for a Debit card? -To obtain your credit card you should maintain an active account with the bank -A valid NID (Tazkira) or Passport is required -A passport size photo is required for the credit card application -You should read and agree to the Bank’s Schedule of Charges -You should read and agree to the Bank’s General Terms and Conditions

Credit Card For the first time in Afghanistan AIB has introduced MasterCard branded Titanium and Platinum credit cards. These are designed for worldwide use. The bank, giving the holder an option to borrow funds, issues cards. These credit cards charge interest and are primarily intended for use for short-term financing. Interest usually begins one month after a purchase of goods and services is made, and borrowing limits are pre-set by the bank according to the individual’s credit rating. Customers are required to repay the balance on their credit cards, in accordance with pre-set terms and conditions, in the same way as for any other type of borrowing. How the Credit Card Works? AIB Titanium and Platinum credit cards, which are MasterCard branded may be used for buying goods and services in shops and stores, for online commercial transactions and obtaining cash advances through Automatic Teller Machines. What is so special about the Credit Card? Waived Charges: ...

Internet Banking Afghanistan International Bank knows that running a business means being fast, flexible and available at all times. Therefore, AIB has introduced Internet Banking, ATM, International Debit Card, Web Surfer Card, and Point of Terminals in Afghanistan. The Internet Banking provides you a fast, easy and secure way to manage your finances, without going to the bank! AIB Internet Banking puts your finance at your fingertips 24/7. Key Features: ·          Access to your accounts 24 hours a day, 7 days a week ·          Easy, simple and flexible banking ·          The highest level of security ·          A user-friendly interface ·          Money transfer from account to account ·          The speed, security and f...

SMS Banking Now stay connected with your account through AIB’s Mobile Banking solution! Via SMS, mobile banking gives you the ability to send instruction for booking a fund transfer, requesting a cheque book, receive statement and notification of every debit or credit to your account as soon as it takes place. How can all these facilities be accessed? 1. Visit your nearest AIB branch and fill out the application form of mobile banking. 2. You will be notified by receiving a SMS alert about your enrolment to the mobile banking platform. How it works? 1. Type “Help” to your mobile phone message and send the SMS to 255 if you are a subscriber of ROSHAN, ETISALAT and AWCC. But if your SIM is from MTN or Afghan Telecom send SMS to 0790 255 255 2. In response to your “Help” Message you will receive the following command list from AIB: Balance:          BAL [Account No] [PIN] Statement:    ...

AIB POINT OF SALE (POS) Terminals Key features: AIB Point of Sale terminal is a device that processes debit or credit card payments & manages the selling process by a salesperson accessible interface. The POINT OF SALE terminal reads the debit or credit cards, and performs the required check-ups and Point of Sale authorizes the transaction. This terminal instructs the user via a display unit. The detailed information on the use of a POINT OF SALE terminal will be provided by AIB after signing the POINT OF SALE agreement with the merchant. The POINT OF SALE Terminals are the preferred way of processing credit cards, debit cards, smart chip cards and other electronically submitted transactions in a traditional retail environment. The terminals are used in “face-to-face” transactions between buyers & sellers/customers & vendors. Accepted Brands: MasterCard, Master card Electron, Maestro, Cirrus, China Union Pay, CSC JCB, CSC Network. Ben...

  Automated Teller Machine (ATM) The AIB automated teller machine (ATM) is a computerized telecommunications device that provides the clients of a financial institution with access to financial transactions in a public space without the need for a cashier, human clerk or bank teller. The customer is identified by inserting a plastic ATM card with a magnetic stripe or a plastic smart card with a chip that contains a unique card number and some security information such as an expiration date or (CVV). Authentication is provided by the customer entering a personal identification number (PIN). Using an AIB ATM, customers can access their bank accounts in order to make cash withdrawals, PIN change and check their account balances. If the currency being withdrawn from the ATM is different from that which the bank account is denominated in (e.g.: Withdrawing Afghani (Afghanistan Local Currency) from a bank account containing US Dollars), the money will be converted at a...

  Fixed Deposit Account This account lets you save a fixed amount of money, for a fixed period of one month, three months, and six months at a fixed rate of interest. Key Features: ·         Attractive rates: AIB strives to make its interest rates competitive and attractive. ·         Affordable Deposit Amounts: You can open an account with a minimum Deposit of AF50,000 or $500. ·         Automatic Renewal: Upon maturity, your Deposit is automatically renewed for the same period at a new market interest rate unless you instruct otherwise. FAQ’s Q. What is the legal age to open account? A. You must be at least 18 years old. Q.What is the initial Deposit? A. The minimum initial Deposit is AF 50,000

  Saving Account AIB’s Afghani saving account offers you a secure and convenient account designed to fulfil the needs for savings and thrift amongst common people within an interest-paying facility. Key Features: ·          Joint Accounts: Permitted. (Max three individuals) ·           Free transfer of funds between accounts within the bank allowed. ·          Facility of multi-city/multi-branch banking, if opened in any of the networked branches. ·          You must be at least 18 years old. ·          The minimum initial Deposit is AF5,000 ·          No minimum or average balance. ·          Applicable for individuals and corporate ·      ...

Current Account Through Afghanistan International Bank’s current account service, you can enjoy unlimited real time access to your account balance via attached facilities such as: Key Features: ·          Access your fund from all AIB branches across the country. ·          Transfer your fund inside & outside Afghanistan ·          Enjoy attached products such as: ATM Debit card, Master credit Card, online banking, ·          Non-interest bearing account ·          Standing Order facility ·          Automated debit & credit account notification ·          Regular Statement ·          Cheque book facility Frequently Asked Q...