Basic Decision No. 13335 issued by BDL related to “Exceptional Measures for the Gradual Withdrawal of Deposits in Foreign Currencies” for accounts opened prior to 31 October 2019 and are still available till 30 June 2021 with balance still maintained after considering all loans, credit cards, transfers, …

Resident or non-residents individuals/physical persons that held Foreign Currency Yield (FCY) accounts as at 31 October 2019 and who are still maintaining the eligible balance.

No, establishments and companies are not eligible to benefit from BDL Basic Circular No. 158.

The maximum eligible amount is USD 50,000, depending on the available balance in the account. The maximum limit is:

- USD 4,800 per year, concerning those who benefited from the provisions of this Circular before 01 July 2023

Or

- USD 3,600 per year, concerning customers who did not benefit from the provisions of this Circular before 01 July 2023

Free of charge Special Sub Account will be opened for this purpose in the name of the client.

The settlement is on monthly basis as follows:

-          Concerning those who benefited from the provisions of this Circular before 01 July 2023:

USD 400 paid either in cash (Banknotes) &/or by transfer abroad &/or by credit cards that can be used in Lebanon and abroad &/or deposited in a new account (Fresh Account), with a maximum of USD 4,800 per year at all Banks.

-          Concerning customers who did not benefit from the provisions of this Circular before 01 July 2023:

USD 300 paid either in cash (Banknotes) &/or by transfer abroad &/or by credit cards that can be used in Lebanon and abroad &/or deposited in a new account (Fresh Account), with a maximum of USD 3,600 per year at all Banks.

In case client decided to benefit from the Circular, a Banking Secrecy Waiver is to be signed waiving the Banking Secrecy on the Special Sub Accounts only.

The US dollar is the only currency of the Special Sub Account. Therefore, all foreign currencies are exchanged to USD in order to benefit from the BDL Basic Circular 158.

In case client already holds a debit card (any type), he can link this card to the Sub Account related to the Circular. Otherwise, a new card will be issued. 

Benefiting client can at any time stop the BDL Basic Circular 158 implementations.

Client, who signed that he does not want to benefit, can and at any time change his mind later on.

Client "A" and Client "B" hold a Joint account with a balance of USD100,000 and the eligible balance for BDL Basic Circular No. 158 is USD40,000.

• Client "A" can benefit from the Circular for USD40,000 alone by transferring the amount to his personal account.
• Client "B" can benefit from the Circular for USD40,000 alone by transferring the amount to his personal account.
• Both clients can benefit from a total of USD40,000 relatively, however taking into consideration balances eligible in their personal accounts or other joint accounts so that not to exceed the maximum of USD50,000

Client can withdraw the most convenient amounts per month and will be able to withdraw any remaining balance in the future. Moreover, he can accumulate payments as deemed necessary.

Client personally needs to sign related documents unless an external proxy mentions the ability to sign documents related to the BDL Basic Circular No. 158 as well as the related Banking Secrecy Waiver.

As for withdrawals, it can be done by both internal and external proxies allowing regular withdrawals on account.

The Fresh Funds account is an account for fresh funds deposited in cash or received through international transfers in USD or foreign currency.

The Fresh Funds current Account can be opened electronically through the Bank of Beirut Mobile App. It can also be opened by visiting any of Bank of Beirut Branches.

Any person, client of Bank of Beirut or not, depositing Cash or receiving international transfers in USD or in foreign currency. 

The Fresh Funds Current Account offers a variety of benefits including:

- Domestic and International Wire Transfers Fresh to Fresh through Bank of Beirut Mobile App

- Cardless access to USD notes through Bank of Beirut ATM via Bank of Beirut Instacash service

- University tuition payments through Bank of Beirut ATM

Yes

I can open a Fresh Funds current account through Bank of Beirut Mobile App or by visiting any branch but, in order to benefit from all Digital features and benefits related to the account, it is preferable to download the Bank of Beirut app on my Mobile.

Yes, through Bank of Beirut application downloaded on your Mobile.

Yes, via Bank of Beirut ATMs or over the counters.

Yes

Yes

Fresh Funds Current Account fee is USD5 monthly or LBP 200,000 for local currency. Discounted rates and benefits are offered under our Fresh Funds Bundle and Segments.

Fresh Funds Time Deposit Account is a blocked account of Fresh Funds for a specific period (minimum one month) with a preferential interest rate. At maturity, the amounts will be paid in Fresh

The Interest rate on the Fresh Funds Deposit Account is paid fresh on that same account.

Fresh Funds Time Deposit Account will offer a creditor interest rate. However, if a Fresh Funds Time Deposit Account having a minimum balance of USD3000 blocked for a minimum period of 3 months is coupled with a non-zero Fresh Funds Current Account and an active Fresh Funds Debit card, it will unlock a bundle of offers by joining our Fresh Funds Bundle of Products, such as:

• Discounted Fresh Funds Current Account fee
• Discounted Fresh Funds Debit Card membership
• Free Fresh Funds Time Deposit Account
• Discounted cash deposit fee

Add an active Fresh Funds Credit card and join our Fresh Funds Segments and enjoy even additional benefits, such as:

• Discounted cash withdrawal fee
• Discounts on Incoming & outgoing transfers

Yes.

Wire transfers can be done through either the Bank of Beirut Mobile app if enrolled to the mobile banking service or at branch counters.

The Domestic Wire Transfer is a method of electronic funds transfer from one bank account to another bank account. In case you are enrolled in the Fresh Funds Suite, your Wire Transfer can be received as Fresh by the beneficiary’s account.

Western Union transfer is sharing money locally or internationally from person to person through Western Union local and global offices.

First, a Fresh Funds Account at Bank of Beirut is required, then a request is to be submitted by visiting any branch to obtain a credit card. This facility will be granted against cash collateral in a specific account that will benefit from a preferential interest rate paid fresh or against a credit limit on a Fresh Funds Time Deposit Account.

Discounted fees are available under our Fresh Funds segments and bundle.

The main benefit is to save the Fresh Funds and even benefit from a creditor interest rate by blocking the amount while benefitting against it from an amount to be spent locally or internationally or even obtaining a Fresh Funds Credit Card against the blocked amount.

Yes

Yes

•          You can deposit up to 30 checks at a time (some of the ATMs can accept up to 100 checks at a time. These ATMs are mainly located in Universities).

•          Daily check deposit amount limit: LBP 150,000,000 or c/v in USD.

To find an ATM, go to BankofBeirut.com, Locate us, Smart ATM/ATM, and search the ATM location that suits you.

To pay university fees on ATM, try:

On CCDM:

Follow the steps:

• Click on “CARDLESS SERVICES” option.

• Select University Tuition option.
• Enter the University Code.
• Enter the Student ID.
• Choose Currency.
• Enter the tuition amount.
• Deposit the cash money.

On ATM / CCDM: in case you have an account at Bank of Beirut:(currently unavailable)

You need to perform the following steps:

• Insert your debit card.
• Enter your PIN code.
• Select Payments option.
• Select University Tuition option.
• Enter the University Code.
• Choose Currency.
• Enter the amount.
• Select the account you want to transfer from.

To settle credit card payment on Smart ATM, you need to perform the following steps:

• Insert your credit card.

• Enter your PIN code.
• Select Payments option.
• Select Credit Account and then Credit Card Payment.
• After confirmation, you deposit your cash money.

For security purposes, in case your card is captured by a Bank of Beirut ATM or by any other Bank's ATM, you must instantly call the Bank of Beirut Contact Center, ask for your card to be blocked and request a new card, if needed.

If the money wasn’t withdrawn from the ATM, you need to fill and sign a dispute form at any of Bank of Beirut’s branches. The dispute form will be subject to investigation and adjustment, if confirmed.

You need to do the following steps:

• Insert your debit card.
• Enter your PIN code.
• Select PIN code change option.
• Enter a new PIN code.
• Re-enter your new PIN code for confirmation.

To use Instacash, try:

Collect an InstaCash transfer only on Bank of Beirut ATMs in Lebanon:

• Click on “CARDLESS SERVICES” option and then select InstaCash option.
• Enter the 8-digit Mobile number.
• Enter the 6-digit Transaction ID received by SMS.
• Enter the 6-digit Withdrawal Code obtained from the sender.
• After code’s verification and authentication, the cash amount will be dispensed.

To transfer money between own accounts through the ATM, you need to follow the below steps:

• Insert your debit card.

• Enter your PIN code.
• Select Transfer option.
• Select the currency.
• Enter the amount to be transferred.
• Select the account you want to transfer from.
• Select the account you want to transfer to.

No, currently the option is not available to cash an LBP amount in a USD account.

Same Business Day value with no commission.

You should sign the check from the backside, and confirm that all information is filled correctly.

If the money wasn’t deposited in account, fill and sign a dispute form at any of Bank of Beirut’s branches. The claim will be subject to investigation. Execution will then take place if your claim is validated.

• You can deposit up to 30 checks at a time (some of the ATMs can accept up to 100 checks at a time. These ATMs are mainly located in Universities).
• Daily check deposit amount limit: LBP 150,000,000 or c/v in USD.

• A maximum of 45 money notes could be inserted at a time. (Some of the ATMs can accept up to 100 papers at a time. These ATMs are mainly located in Universities)
• Daily cash deposit limit: LBP 7,500,000 or c/v in USD (with 0 commission and same business day value)

To deposit cash through the ATM, you need to perform the following steps:

• Insert your debit card in the ATM card reader.

• Enter your PIN code.
• Select the Deposit option.
• Select Cash.
• Select the currency.
• Insert your cash notes  in the designated reader.
• Select the account in which you wish to deposit the cash .

• Cash Deposit (with 0 commission and same business day value) This applies on LBP only and 4‰ on USD
• Credit card payment via cash deposit.
• University tuition payment via cash deposit.
• InstaCash – Receiving funds previously sent through other channels (Online / Mobile Banking).
• Bill payments.

To find the nearest ATM / CCDM:

• Visiting the Bank of Beirut Website by Clicking Here.

• Accessing Digi Mobile Application.
• Calling Bank of Beirut’s Contact Center on 1262 from Lebanon, or +961 1 886 656 from outside Lebanon.

To add a new beneficiary for wire transfers, try:

Online Banking:

To add a beneficiary/third party account, follow the following steps taking into consideration that the information provided must be correct.

1. Click “Payments & Transfers” option.

2. Choose “Wires”.

3. Select “Beneficiary” on the right corner of the page.

4. Click “Add Beneficiary”.

5. Enter the requested information.

6. Click “Save Beneficiary”.

7. Follow the on-screen instructions.

Mobile Banking:

To add a beneficiary/third party account, follow the following steps taking into consideration that the information provided must be correct.

1. Select the "Transfers" icon on the home page

2. Click “My Beneficiaries”.

3. Click the add (+) button.

4. Choose “Wire Beneficiary” as beneficiary type.

5. Enter the requested information.

6. Click “Submit”.

7. Follow the on-screen instructions.

To open a mobile banking account, log into your mobile app icon, sign in with your credentials, then go to DIGI, open an account.

To download the mobile application, you can download the mobile application from Bank of Beirut website, Apple Store and Google Play Store.

To ask for a credit card, visit bank of Beirut website https://www.bankofbeirut.com/en/Personal/cards and apply

or

Mobile App:

Log into your mobile app icon, sign in with your credentials, DIGI, Apply For A Card, then choose Credit Card.

A-You need to follow the below steps if you are a Bank of Beirut client:

1. Sign into your online banking account on IMobile
2. Click on “DIGI by Bank of Beirut”
3. Choose the “Open an account” option
4. Select “Start your DIGI Account Opening”
5. Click on continue
6. Choose the currency of the requested account
7. Double check the inserted information then press submit
8. An SMS will be sent to you for confirmation about your “DIGI Maximizer Account”
9. Your Digi account will be opened and a Digi Debit Card will be requested
10. You will receive an SMS within 48 hours to pick it up your Digi Debit Card from the branch

In case you did not submit your request, you can resume the process by following these steps:

1. Sign into your account
2. Click on “DIGI by Bank of Beirut”
3. Choose the “Open an account” option
4. Select “Resume your DIGI Account Opening”
5. Click on continue
6. Write your tracking number (which you can find in the message box in the application) then press submit
7. An SMS will be sent to you for confirmation about your “DIGI Maximizer Account”
8. Your Digi account will be opened and a Digi Debit Card will be requested
9. You will receive an SMS within 48 hours to pick it up your Digi Debit Card from the branch

B-You need to follow the below steps if you are not a Bank of Beirut client:

1. Access the “Bank of Beirut” mobile application
2. Click on “DIGI by Bank of Beirut”
3. Choose the “Open an account” option
4. Select “Start your DIGI Account Opening” then click on continue
5. Select the “New Customer” option then click continue
6. Choose the currency for your Digi account then click continue
7. Fill the fields with the required information then click continue
8. An SMS and an e-mail will be sent to you for confirmation
9. A bank representative will call you to double check all the information provided in your request to open your account
10. You will be asked to visit your preferred branch to sign the relevant documents and receive your card.

PS: you can press save instead of continue while filling the required information, and proceed later on by clicking on “Resume your DIGI Account Opening” using your tracking number (which you can find in the message box in the application).

You need follow do the below steps:

1. Select “Payments”
2. Choose the “Other Payments” option in the “Payee group”
3. Select the desired option (GoSawa, Makhsoom…) from the available options in the “Payee”
4. Click on continue
5. Fill the relevant information then press continue
6. Choose the currency you want
7. Double check the described information then press pay
8. Choose the appropriate account and write the amount you want to pay
9. Click on continue to submit your request
10. An SMS will be sent to you for confirmation.

You need to follow the below steps:

1. Select “Payments”
2. Choose the “Wedding List Payment” option in the “Payee group”
3. You will get by default the “Wedding Account” in the “Payee”
4. Click on continue
5. Fill the relevant information then press continue
6. Choose the currency you want
7. Double check the described information then press pay
8. Choose the appropriate account and write the amount you want to pay
9. Click on continue to submit your request
10. An SMS will be sent to you for confirmation.

To pay for school tuition, log into your mobile app icon, sign in with your credentials, then Payments, Put the type of payment, who is the payee, continue, Name of institution, amount, and submit.

You need to follow the below steps:

1. Select “Payments”
2. Choose the “University Tuition Payment” option in the “Payee group”
3. Select your University from the available Universities in the “Payee”
4. Click on continue
5. Write your University ID then press continue
6. Select the currency you want
7. Double check the described information then press pay
8. Choose the appropriate account
9. Click on continue to submit your request
10. An SMS will be sent to you for confirmation.

To perform syndicate payment via the mobile app, log into your mobile app icon, sign in with your credentials, then Payments, Put the type of payment, who is the payee, continue, Name of institution, amount, and submit.

To pay insurance payments via the mobile app, log into your mobile app icon, sign in with your credentials, then Payments, Put the type of payment, who is the payee, continue, Name of institution, amount, and submit.

You need to follow the below steps:

1. Select “My Cards”
2. Choose the relevant card
3. Click on “Card Details”
4. Click on the edit option at the bottom of your screen
5. Choose “Reset Limit”
6. Click on continue to submit your request
7. An SMS will be sent to you for confirmation.

You need to follow the below steps:

1. Select “My Cards”
2. Choose the relevant card
3. Click on “Card Details”
4. Click on the edit option at the bottom of your screen
5. Choose “Manage Limits”
6. Select the convenient option
7. Click on continue to submit your request
8. An SMS will be sent to you for confirmation.

You need to follow the below steps:

1. Select “My Cards”
2. Choose the relevant card
3. Click on “Card Details”
4. Click on the edit option at the bottom of your screen
5. Choose “Manage Accounts”
6. Fill the Primary / Secondary accounts with the appropriate details
7. Click on continue to submit your request
8. An SMS will be sent to you for confirmation.

To reset the card pin code, you need to follow the below steps:

1. Click on “My Cards”
2. Choose the relevant card
3. Click on “Card Details”
4. Click on the edit option at the bottom of your screen
5. Choose “Reset Pin”
6. Enter the New Pin
7. Click on continue to submit your request
8. An SMS will be sent to you for confirmation.

You need to follow the below steps:

1. Click on “Mobile”
2. Select “Alfa / Touch”
3. Choose the desired amount / Number of days from the recharge menu
4. You will receive by SMS the 14-digits secret code
5. Continue the recharge process on your mobile device

You need to do the following steps:

• Access Bank of Beirut website and click the Online Banking option at the top right corner.
• Choose “Personal”.
• Enter your username.
• Enter your password.
• Type the characters you see in the captcha picture.
• Click “Log In”.

Mobile Banking:

You need to do the following steps:

• Enter the Mobile application.
• Select the “Sign In” icon.
• Enter your username.
• Enter your password.
• Click on “Sign-In”.

In case your biometric authentication is set up:

You need to do the following steps:

• Enter the Mobile application.
• Click on “Sign-In with Fingerprint”.
• Touch ID to confirm Fingerprint or by using the Face Recognition feature to continue.

• Make sure that only your fingerprint or your face are registered on your device.
• Sign-in to Mobile application. If the option is not yet activated, the app will get your consent to set it up.
• Follow the on-screen instructions
• Upon the next sign-in, you may optionally use the fingerprint or your password to sign-in.

By calling the Contact Center on 1262 from Lebanon, or +961 1 886 656 from abroad

If you forgot your mobile banking password, try:

First method:

You should have your mobile device available with you.

• Open your Mobile Banking application

• Click the “Forgot your Password” link.
• Enter the username of the account for which you want to reset the password
• You will receive a One-Time Password (OTP) on your mobile number.
• Once you enter the right OTP, the system will ask to type a new password and confirm it.

The new password must be from 9 to 15 characters and contain at least one number and two letters including one upper case character

Second method:

• Contact the Contact Center on 1262 from Lebanon or +961 1 886 656 from abroad
• After successful authentication, the contact center agent will reset your password
• A temporary password will be sent to you by email and SMS to your email address and mobile number registered in the bank’s database
• Upon first login using the temporary password, the system will ask you to change your password.

To change the mobile banking password, try:

 Online Banking:

Follow the steps to change the password:

• Sign in to your account through Bank of Beirut website.

• Select “Home”
• Choose “User Profile”
• In the Edit Personal Information tab, insert your current (old) password, then enter a new password (The new password must be from 9 to 15 characters and contain at least one number and two letters including one upper case character and not used before) in the respective fields.
• Confirm your new password by typing it once again.
• Click on “Save”
• The system will ask you to enter a One-Time Password (OTP) that you will receive on your designated mobile number.
• Enter the OTP and click continue
• If the OTP entered is correct, your password will then be successfully changed.

Mobile Banking:

To change your password:

• Sign in and click the “More Options” button at the top left corner of your device
• Select “Change Password”
• Enter the OTP that you will receive on your designated mobile number
• Click “Submit”
• Insert your old password
• Enter a new password (The new password must be from 9 to 15 characters and contain at least one number and two letters including one upper case character and not used before)
• Confirm your new password by typing it once again
• Click on “Submit”

To reset your secret questions, you need to contact the Contact Center on 1262 from Lebanon, or +961 1 886 656 from abroad.

You may change your secret questions and answers through the mobile application by following the below steps:

• Sign in and click the “More Options” icon at the top left corner of your device.
• Select “Update Profile”.
• The system will ask you to enter a One-Time password (OTP) that you will receive on your designated mobile number
• Choose your questions with the answers. (The answer must be minimum four letters, lower case and without special characters)
• Click “Submit”

Secret questions and answers are private and personal information about the user. Once defined, for further protection, the system will randomly ask one of the questions and wait for a correct answer from the user to proceed with the execution. For that reason the secret questions option cannot be canceled for security purpose in order to increase protection against fraudulent log in / access to your online account.

The system will ask to change the password every 120 days / 4 months.

The Online Banking system is designed to protect your information. Here are some of the security measures:

• Password
• Captcha
• Secret picture
• Secret questions
• OTP

The Online Banking system allows you to choose a secret picture. From that time forward, before log in, our web site will identify itself to you once entering your username by showing your secret picture, it confirms that you have reached our web site and not a fraudulent one.

You are then required to enter your login credentials in order to gain access to the Online Banking system.

All transactions published on the Online / Mobile Banking are in real-time mode, except for the credit and charge cards transactions, which will be reflected in the statement once collected by merchants.

• Online Banking:

Choose either “Deposits” or “Loans” or click on “Account Balance”

To retrieve the transactions details and statements, you must select the account you want to check by clicking on the account number itself at the left corner.

• Mobile Banking:

After sign in, you have to  click on “My Accounts” option then choose “Deposits” or “Loans”.

To retrieve the transactions details, you  must select the account you want to check and then click on “Last Transactions”.

Mobile Application provides the following features:

• Send money swiftly and securely using the Wire fund transfer
• Transfer between your own accounts.
• Transfer from your account to another Bank of Beirut customer.
• Instacash Cardless Transfer
• Check your Bank of Beirut card transactions
• Check your deposit / loan accounts balances
• Cards Management (Manage Card Account, Change Pin code, Limit Adjustment, Lock/Unlock Card)
• Payments (University Tuition, Wedding List, Insurance Payments, Syndicate Payment, School Tuition, Donate to the Lebanese Red Cross and Other Payments)
• Check book request
• Review you loyalty Cashback statement (Temporary Unavailable)
• Auto Online Banking Enrollment (Join Mobile Application)
• Locate Branches & ATMs.
• View Bank of Beirut’s latest products and offers.
• Digi Services (Account opening, Applying for a Loan, Saving Maximizer Account)
• Other useful features

No, the service is available 24/7.

To download the Bank of Beirut mobile app, Go to Apple Store or Google Play Store, type “Bank of Beirut” app in search, then install.

To activate the transfer service, you have to be enrolled to the “Full Package” service, by either signing the required document at any branch, or  by applying for the request to upgrade your inquiry package through the website from your Online Banking account.

• Sign in and click on “Service Package Amend Form” from “Home Page”
• Download and print the Service Package form
• Sign it, scan it and then send it by email to Bobdirect@bankofbeirut.com.lb

You can do the below transfers’ types:

• Transfers between your own accounts
• Transfers to another Bank of Beirut customer’s account
• Wire Transfers outside Bank of Beirut in or outside Lebanon
• InstaCash Cardless Transfers

To transfer money between own accounts, try:

Online Banking:

To transfer money using the Online Banking from the website:

1. Sign in and click “Payments & Transfers” option.

2. Choose “Internal Transfers”.

3. Click “New Transfer”.

4. Select “From” which account “To” which account you want to transfer money

5. Enter the desired Amount / Currency

6. Choose the desired Description.

7. Click “Transfer”.

8. Review the Transfer Details and click “Submit Transfer”.

Mobile Banking:

To transfer money using Mobile Application:

1. Sign in and select “Transfers” icon.

2. Choose “Internal Transfers”.

3. Select “From” which account “To” which account you want to transfer money

4. Enter the desired Amount / Currency

5. Click “Submit”.

6. Review the Transfer Details and click “Submit” again.

To transfer money to a Bank of Beirut customer, i.e. from your Bank of Beirut account to another Bank of Beirut customer’ account, you have to first add the said customer’s account to your beneficiaries' list. Accordingly, your request will reach the contact center for execution as per policy.

Once the beneficiary account is being added by the Contact Center, it will be shown in the “To” account’s field in your beneficiaries' list. Only then you can perform the transfer.

Online Banking:

1. Click “Payments & Transfers” option.

2. Select “External Accounts” on the right corner of the page.

3. Click “Add Multiple Beneficiaries”.

4. Enter the beneficiary name.

5. Enter the beneficiary full account number.

6. Click “Add Beneficiaries”.

7. Submit your request.

8. The request will be sent to the bank for validation and  getting the payee’s approval.

Mobile Banking:

1. Select “Transfers”.

2. Click “My Beneficiaries”.

3. Click the  add button (+)

4. Choose “Bank of Beirut Account Holder” as beneficiary type.

5. Enter the Beneficiary Name

6. Enter the Beneficiary Full Account Number

7. Submit your request.

8. The request will be sent to the bank for validation and getting the payee’s approval.

• Wire requests can be made from any currency and from any Bank of Beirut's account to any other third party account. Please make sure you have sufficient funds in your account before executing the wire.
• Transactions made on business days before 3:00 p.m. local time (UTC+02:00 and UTC+03:00 during the summer) will be processed on the same day.
• Transactions made at a later time will be processed by the next business day.
• Transfers to third parties often need more processing time by the third party, which generally takes up to 3 to 4 business days. It's a good idea to check with these third parties to find out how far in advance you should make the transfer.
• To be able to perform a wire transfer outside Bank of Beirut, you need first to add / create the beneficiary with the following details (Beneficiary name, Beneficiary address, Bank name, Branch name, Bank address, country, IBAN, swift…)
• Once the beneficiary account is added you need to follow the below steps:

Mobile Banking:

To submit a wire request:

1. Click on the "Transfers" icon on the homepage.

2. Click to add (+) a "Wire Request".

3. Follow the on-screen instructions.

4. Alternatively, you may access “My Accounts” page, choose the account from which you want to transfer money, and then click on "Wire Request" icon at the bottom of the screen How can I add a new beneficiary for wire transfers?

Mobile Banking:

To add a beneficiary/third party account, follow the following steps taking into consideration that the information provided must be correct.

1. Select the "Transfers" icon on the home page

2. Click “My Beneficiaries”.

3. Click the add (+) button.

4. Choose “Wire Beneficiary” as beneficiary type.

5. Enter the requested information.

6. Click “Submit”.

7. Follow the on-screen instructions.

The transfers between accounts in Bank of Beirut are free of charges while the wire transfers are charged as per the bank’s “terms and conditions”.

To know the charges you can call our Contact Center on 1262 from Lebanon, or +961 1 886 656 from abroad.

You can transfer a maximum amount of: (Noting that the below limits are subject to change as per the Bank’s policy)

• LBP 225,000,000 for internal transfers.
• LBP 112,500,000 for wire transfers.
• LBP 1,500,000 for InstaCash transfers.
• LBP 3,000,000 for beneficiary transfers.

To get the IBAN needed:

• You can call our Contact Center on 1262 from Lebanon, or +961 1 886 656 from abroad or via Web Chat.
• You have to follow the below steps:

1. Sign in to your Online /Mobile Banking

2. Select “Account Management” option in the Online Banking or “My Accounts” in the Mobile app.

3. Click “Account Balance” in the Online Banking, and then retrieve the IBAN below account number at the left corner in the page

4. In the Mobile app, select the desired account and get the IBAN from the displayed account’s details.

Instacash is to transfer money through Bank of Beirut’s Online or Mobile Banking via the unique InstaCash service and benefit from secure and instant cash delivery to any person who doesn’t own a card.

• To send an InstaCash transfer, you need to do the following steps:

Online Banking:

1. Select “Payments & Transfers” option.

2. Click on “Cardless Cash Withdrawal”.

3. Select “New Payment”.

4. Choose the account you want to transfer money from.

6. Enter the receiver's name and mobile number.

7. Choose amount and currency from the list.

8. Click on “Transfer”.

9. Follow the on-screen instructions.

Mobile Banking:

1. Select the "Transfers" icon on the homepage.

2. Click on “InstaCash”.

3. Select the account you want to transfer money from.

4. Enter the receiver's name and mobile number.

5. Choose amount and currency from the list.

6. Submit the transfer.

7. Review the transfer details and click on “Submit”.

• It is important to know that you can cancel the InstaCash transfer at any time unless it has been paid, following the below steps:

Online Banking

1. Select “Payments & Transfers” option.

2. Click on “Cardless Cash Withdrawal”.

3. Select the looked-for InstaCash transfer you want to cancel from “Pending Cardless Cash Withdrawal” or “Completed Cardless Cash Withdrawal”.

4. Click the  view icon  at the right corner.

5. Click on “Cancel”.

6. Follow the on-screen instructions

Mobile Banking

1. Select the "Transfers" icon on the homepage.

2. Click on the “InstaCash” option.

3. Select the InstaCash transfer you want to cancel.

4. Click on “Cancel”.

5. Follow the on-screen instructions.

If the InstaCash transaction is locked due to wrong credentials entry, the sender should follow the below instructions:

1. Contact our 24/7 Contact Center on 1262 from Lebanon or +961 1 886 656 from abroad

2.  After successful authentication, the agent will check the status of the transaction and verify your request’s validity

3.If your request valid, the agent will ask you to cancel the subject transaction and issue a new one instead, else you will be asked to visit your branch to sign a dispute form

For more info on this topic please refer to “How can I do or cancel an InstaCash transfer via Online / Mobile Banking".

To request a checkbook try:

Online Banking:

To request a checkbook, follow these steps:

1. Sign in to your account.

2. Select “Applications” option.

3. Click on “Checkbook Request”.

4. Follow the on-screen instructions and click on “Submit”.

Mobile Banking:

To request a checkbook, follow these steps:

1. Select “My Checks" icon on the homepage.

2. Click on “Order Checkbook”.

3. Follow the on-screen instructions and click submit

The ABMT is a Western Union instant transfer performed from your Bank of Beirut account online to outside Lebanon only.

It is important to know that you cannot do a Western Union transfer from an LBP account, and that you have to update your Personal Information prior to execute any transfer

To make a Western Union transfer, follow the below  steps:

1. Sign in to your account.

2. Select “Payments & Transfers” option.

3. Click on “Western Union”.

4. Select the “Send Money” icon.

5. Choose the account you want to transfer from.

6. Click on “New” then type in the receiver’s first and last name in the “Name” field or “Existing” if the receiver was already added before.

7. Follow the on-screen instructions and click continue.

8. Share the MTCN number with the receiver to withdraw the money

 No, you can access all your accounts using a single username. One account will be considered as primary account while the others will be considered as secondary accounts based on a signed request at your branch.

Online Banking: (Temporary not available)

To check your points in details, follow these steps:

1. Sign in to your account.

2. Select “Account Management” option.

3. Click on “CashBack” points. 

Mobile Banking:  (Temporary not available)

To check your points in details, follow these steps:

1. Sign in to your account.

2. Select “CashBack" icon on the homepage

1. You must contact immediately our 24/7 Contact Center on 1262 from Lebanon or +961 1 886 656 from abroad

2. After successful authentication, the agent will investigate the case and take the necessary corrective measures to protect your account, either by deactivating the account or by resetting your password and secret answers, or any other measures based on the case

The Online / Mobile Banking service is free of charge.

It is automatically activated within 24 hours of receiving your card. In case you face any inconvenience, do not hesitate to reach out to our Contact Center, by calling 1262 from Lebanon or +961 1 886 656 from abroad.

For security reasons, the SMS service cannot be deactivated unless you sign a request at your branch asking to deactivate the SMS service on your full responsibility

You will benefit from the below types of SMS for more security to your account:

• SMS notification upon card usage
• Due payment SMS for credit cards
• Salary notification
• SMS notification on every log in to your Online / Mobile Banking
• OTP messages on critical and financial transactions  made from your Online / Mobile Banking
• SMS notification on cash and check deposits via CCDM
• OTP messages upon credit and charge cards online usage, in case the website is using the 3D secure option
• SMS related to BoB new products and campaigns
• Other useful SMS notifications

For SMS services related to card, you can contact our 24/7 Contact Center on 1262 from Lebanon or +961 1 886 656 from abroad to change the mobile number.

For all other SMS services, the mobile number must be changed at the branch level upon signing the necessary documents.

The SMS service charges vary as per below:

• Debit card usage: Free for the first 6 months and then USD 1 or LBP 15,000 per month
• Credit card usage: USD 1 per month
• Salary notification: USD 0.33 (LBP 5000)
• Due Payment notification for credit cards: Free of Charge
• SMS and OTP related to digital banking services are free of charge

• The OTP, the abbreviation of One-Time Password, is a 6-digits code, generated by an international server and sent to your mobile device by SMS for One-Time use. The password, if not used within a period of 10 minutes will expire and you will have to regenerate a new one, if required.
• All our Credit and Charge Cards are now “3D Secure” Enabled hence, allowing our cardholders to enjoy their shopping experience online in a safe and secure manner.
• “3D Secure” is a FREE service for our Credit and Charge cardholders, designed to make online shopping transactions safer by authenticating a cardholder's identity at the time of purchase 
• Every Bank of Beirut Credit cardholder will be automatically enrolled in the “3D Secure” service.

• When shopping online, cardholder should enter his / her credit or charge card details for payment (Same as usual)
• Before completing the online purchase, a popup message will request him / her to enter his / her OTP* (One-Time Password).

N.B. The Password will be systematically sent to the client via SMS (valid for  10minutes)

• Our System will then check and confirm that the cardholder is the authorized person
• Upon confirmation, the purchase will be completed Safe and Secure
• With “3D Secure”, even if someone knows your credit card details, the online purchase cannot be completed without the use and authentication of the “3D Secure” One-Time Password.
• The “3D Secure” will be active on websites that are subscribed to the Secure Code Services, noting that most well-known shopping websites are already subscribed in.
• Most probably the issue could be a connection problem, you then need to click on “resend OTP”, wait for about 5 minutes and, if still not received, re-click on “Resend OTP” (you have 3 trials).
• In case the OTP has still not been received, you may call our Contact Center on 1262 from Lebanon, or +961 1 886 656 from abroad to assist you in a better way.

If you notice a transaction on your account / card that you didn’t make, immediately call  our Contact Center at 1262 from Lebanon, or +961 1 886 656 abroad, in order for us to temporarily block your card or to deactivate you online account, or to conduct an appropriate investigation and take corrective measures.

• Always question any unsolicited emails or texts you receive. We will never ask you to provide or confirm personal details or confidential information by clicking on a link, completing a form, or calling a phone number included in an email or text.
• If you receive a suspicious email or text message, don't click on any links or complete any forms. To report a suspected phishing email or text, forward it to bobdirect@bankofbeirut.com.lb and delete it from your inbox.

• Most probably the issue could be a connection problem, you then need to click on “resend OTP”, wait for about 5 minutes and, if still not received, re-click on “Resend OTP” (you have 3 trials).
• In case the OTP has still not been received, you may call our Contact Center on 1262 from Lebanon, or +961 1 886 656 from abroad to assist you in a better way.

If you forgot your Mobile Banking password, try:

First method:

You should have your mobile device available with you.

• Open your Mobile Banking application

• Click the “Forgot your Password” link.
• Enter the username of the account for which you want to reset the password
• You will receive a One-Time Password (OTP) on your mobile number.
• Once you enter the right OTP, the system will ask to type a new password and confirm it.

The new password must be from 9 to 15 characters and contain at least one number and two letters including one upper case character

Second method:

• Contact the Contact Center on 1262 from Lebanon or +961 1 886 656 from abroad
• After successful authentication, the contact center agent will reset your password
• A temporary password will be sent to you by email and SMS to your email address and mobile number registered in the bank’s database
• Upon first login using the temporary password, the system will ask you to change your password.

Booked Balance shows how much money you have in your account before any adjustments are made in terms of deposits in transit, or checks that have not yet been cleared. On the other hand, the Cleared Balance is the amount of money that can be withdrawn or used in your financial transactions. Until funds are considered as cleared, they are referred to as 'Uncleared' funds, meaning that one or more pending credit transactions have not yet completed the clearing cycle.

A token is a small hardware device that the owner carries as an authentication technology that is used to protect network resources.

For details regarding the interest rate granted, you are kindly requested to refer to your home branch.

There are five possible reasons:

• Your card might be expired. In this case, you need to contact your branch and request its replacement.
• You might have entered the wrong credentials (i.e.: wrong card number, wrong expiry date or wrong CVV).
• The website you are trying to make your purchase through might not accept cards from the Middle East for security reasons.
• There may not be enough funds in your card’s account.
• A connection error may have occurred during the processing of the transaction, please try again later.

As each card differs in terms of features, so do the limits. Please check our wide selection of debit, credit, charge and internet cards by following these links:

Credit Cards

Debit Cards

You can apply

• Via this link
• By calling 1262.
• By visiting one of our 40 branches.

PIN Codes are there for you to safely conduct transactions at our ATMs and Points of Sale.
If you are using a Debit Card, you will be asked to enter your PIN code over both ATMs and Points of Sale.
If you are using a Credit Card, you will be asked to enter your PIN code only at ATMs.

If you are transferring money between Bank of Beirut accounts, the transfer is instantly completed. Local wire transfers take up to 4 working days, while international transfers take between 4 and 7 working days. 

First, open an account at Bank of Beirut. You may then ask your personal banking representative for the needed documents. 

Yes. We welcome all customers who wish to open an account at our bank. Your file will be sent to the appropriate department for approval and you may be requested to present additional documents. 

Yes, pressing the copy button on the application will transfer it to the clipboard, which can later be pasted into your mobile browser.

You should settle your VISA payment before the 5^th of each month in order to avoid extra charges. The minimum monthly payment is equal to 5% of the total amount, minimum of USD 50.

Due to Banque du Liban regulations, prepaid cards are no longer available at any Lebanese bank. However, you may instead request our SKIP internet debit card. 

There are many current accounts (e.g.: Checking, University, Wedding, Salary Domiciliation, etc.) and, as a result, the charges differ from one account to another.

The minimum required amount varies based on the type of account.

Such as: current accounts, non-zero balance with no minimum balance is required.

Opening an account with Bank of Beirut is free, however, a fiscal stamp of LBP 100,000 is required.