Mashreq NEO Digital Account- Key Fact Statement

Important: Read this document carefully if you are considering opening a Mashreq Neo Digital Account

Requirements to Open Mashreq NEO Digital Account:

To open one of the below mentioned NEO Digital Accounts you will need to meet the eligibility criteria and satisfy the identification
requirements as per regulatory guidelines and Bank’s internal policies.
Eligibility Criteria:
• Valid Emirates ID
• 18 years and above

Account types & Salient Features:

Service, fees & interest rates may change. For updated fees/charges, you may visit our website mashreqneo.com/soc

Product Description Smart Account Salary Account Simple Account Savings Account
Monthly average balance Transfer salary to
of AED 3,000 or Debit Mashreq & no AED 3,000 Monthly
Minimum balance requirement card spends of AED 1,000 minimum balance No minimum balance
Average balance
per month required

• Upto AED 2,500 cashback on transferring

salary to Neo Account
Joining Bonus upon salary transfer/ Gift • AED 350 Early Bird Cashback (Cashback on Not applicable
Debiit card, Quick Remit, Insurance etc.
transactions done within first 90 days)

Valid Emirates ID,

• Valid Emirates ID, Residence Visa & Passport Valid Emirates ID,
Residence Visa & Passport
Key Obligations / requirements • Minimum salary of AED 5,000 or annual Residence Visa &
Monthly Salary < AED
turnover of AED 60,000 Passport
5,000

AED 10 + VAT per month

(In case minimum balance AED 25 + VAT per month
AED 10 + VAT per month
Fall Below Fees requirement or required debit (In case minimum balance
(In case salary is not Not applicable
card spends is not achieved requirement or required debit
transferred)
card spends is not achieved)

0.15% p.a. (for AED

Interest Rate Not applicable
currency only)

Interest pay out Not applicable Credited every 6 months

Fees & charges Visit mashreqneo.com/soc for detailed fee and charges

Please refer to:

Terms & Conditions Please refer to mashreqneo.com/current mashreqneo.com/
savings

Non Residents of UAE are not permitted. In addition G3 nationalities are

Limitations Available in AED only
not permitted.

Allowed (First Cheque Book Free & AED 1 per leaf

Cheque Book Not applicable
for additional requests)

Between 0-180 days of account opening - maximum 2

Number of cheque leaves issued Cheque Books (of 10 leaves each) permitted
Note: Cheque leaves issuance based on UAE Not applicable
Central Bank guidelines Between 181-365 days of account opening - maximum 3
Cheque Books (of 10 leaves each) permitted

Debit Card (VISA) Allowed Allowed Allowed Allowed

Withdrawal: Up to AED 20,000 / Number of Transactions: 15

Debit Card daily Withdrawal limits
Purchase: Up to AED 99,999 / Number of Transactions: 40

Loss, theft, fraud or misuse of

Inform the bank immediately by calling +9714 424 6666
account and/or Debit Card

Teller/Manned* transactions
*A teller / manned transaction refers to a transaction
No teller transactions allowed
made in the branch of the bank. It does not include
transactions made on an ATM/CCDM

Account Closure charges No charges

Monthly Consolidated Relationship E-statement is sent on the email address registered with Bank. To view account transactions
Transaction Statements
you may also login to Online/Mobile banking.

Mashreq Neo is part of Mashreqbank PSC which is regulated by the Central Bank of the United Arab Emirates.
Mashreq NEO Account- Key Fact Statement
Important Terms & Conditions:

Customer’s consent during the Onboarding journey, shall constitute acceptance of all Terms and conditions by customer including but not limited to the terms and conditions available
on mashreqneo.com/tnc

Signature Sanctions Indemnity

The Customer’s signature on the Mashreq NEO Digital Onboarding Consent Mashreqbank psc has always thrived on conducting its business in a compliant
Form, shall constitute acceptance of all Terms and Conditions by the manner. The Bank, including all its domestic and foreign branches, is committed
Customer to ensuring full compliance with applicable laws, regulations and sanctions
requirements in all jurisdictions in which it operates. The Bank expects that its
customers also abide by the same objective.
a) The Bank does not engage in any transactions, irrespective of currency, with
or involving Syria, Crimea, Donetsk People’s Republic (DNR), Luhansk People’s
Debit Card Republic (LNR), Cuba, Iran and North Korea.
b) The Bank does not engage in USD denominated transactions with or
involving Sudan (North) where there is a US nexus (such as but not limited to;
Mashreq NEO offers Digital Current & Savings Account. Debit Card is issued USD, US territory or person, US owned / controlled entity or US origin goods).
mandatorily along with the Digital account (as applicable) to allow access to As such, it is expected that customers do not conduct any transaction in USD
funds post account opening. involving this country. It is also advised that proceeds of any such transactions
received in any other currency should not be converted in USD and routed
through the Bank.
c) The Bank does not allow any transaction with persons, entities or vessels
designated as sanctions targets by local and international regulators.
d) The Bank does not engage in transactions (including imports or exports)
Updation of documentation involving items of dual use which can be used for offensive purposes e.g. items
that can be used in nuclear proliferation, arms, ammunitions, etc.
e) The Bank pursuant to its policy provides banking services exclusively to its
The Customer shall keep the Bank informed at all times, of any
account holders who are customers of the bank. Customers are therefore
change/alteration in their communication details, residency status, visa,
advised not to conduct transactions in their account(s) on behalf of 3rd
Emirates ID and employer details by (i) signing onto Online banking and
party(ies).
updating Customer details or (ii) calling Direct Banking Centre. In case of
non-submission of updated information or relevant documents, the Bank
In keeping with the Bank’s adopted policies and its regulatory compliance
reserves the right to block the Customer’s account(s) until the updated
obligations, the Bank will not be able to serve customers that fail to abide by
information or documents are provided.
the foregoing requirements.

Confidentiality and Security

Return cheque policy and Central Bank reporting

The Bank maintains strict policies and security controls to assure that
If cheque(s) issued by the Customer have to be returned unpaid due to Customer information in Bank’s systems and controls are protected. The Bank
inadequate funds, the Bank may close the account pursuant to the applicable employees and contractors are only permitted access to Customer
laws and regulations of the UAE. In such event the Customer must return to information that they may need to perform their jobs and to provide services
the Bank, the cheque books relating to the account. The Bank may be obliged to you.
to report his/her details and/or the account details with returned cheques to Our employees and contractors have access to such Customer information
the UAE Central Bank and other relevant authorities. as necessary to conduct a transaction or respond to your inquiries. All
employees and contractors of the Bank are required to respect Customer
privacy. To view Mashreq’s Data Privacy policy, visit mashreq.com/privacy

Interest, Fees and Other Amounts

Your Right to Cancel
The Bank may charge interest on any debit balance at the Bank’s prevailing
rate of interest notified to the Customer from time to time. Rates of interest
and charges may be revised from time to time by the Bank on giving prior In line with the Consumer Protection Standards issued by the UAE Central
written notice of such change or changes. Bank pursuant to the Consumer Protection Regulation (Circular No. 8 – 2020),
you are hereby informed that you have the right to withdraw or cancel your
Account Opening Application within 5 Business Days from date of signing
thereof (“Cooling-Off Period”). On the 6th Business Day (or 1 day after the
expiry of the Cooling-Off Period), you must inform the Bank of your decision
to cancel or withdraw the Account Opening Application otherwise, the same
Customer Information
shall continue to apply and shall be deemed confirmed by you.
The Bank will, during the Cooling-Off Period, provide you with access to your
Account and other account related services, subject to satisfactory KYC and
Whilst every effort will be made by the Bank to treat customer information as
compliance checks and procedures of the Bank.
highly confidential, the Customer acknowledges and agrees to the Bank
Should you choose to waive your right to the Cooling-Off Period, you must, in
disclosing or sharing Customer information to and between:
writing, notify and/or confirm to the Bank such intention. It must be noted that
(a) the Bank’s branches, subsidiaries, representative offices, affiliates and/or
if you opt to cancel or withdraw the Account Opening Application within the
agents of the Bank;
Cooling-Off Period, you shall be responsible to pay all costs and charges that
(b) third parties selected by the Bank and/or any one mentioned in (a) above,
you may have incurred in relation to any and all transactions conducted in your
wherever situated, for confidential use including but not limited to any data
Account during the Cooling-Off Period and before the cancellation of your
processing, statistical and risks analysis purposes; or
Account
(c) any competent court, regulator or authority pursuant to any relevant law,
regulation or legal process and procedure to which the Bank (including any of
its branches, subsidiaries, representative offices, affiliates and/or agents) is
subject.

Revision of Terms & Conditions

Account Closure To the extent permitted by applicable laws, Mashreq may amend, replace,
modify, supplement or delete any Terms and Conditions at any time in its sole
discretion. If there are any intended changes to the Terms and Conditions or
a) The Bank may at any time at its sole discretion and determination, after
to any of the specific features, the Bank will give the Customer 60-calendar
serving an account closure notice, close the subject account(s). In the event of
days notice prior to such changes taking effect through the Mashreq website
any closure of the account(s) for any reason, the Customer agrees that the
(Mashreqneo.com) and/or via e-mail and/or through any other means of
remaining balance in the account(s), if any, can be disbursed or refunded to the
communication as deemed appropriate by the Bank.
Customer by the Bank in AED, after deducting any applicable charges and fees
(including conversion cost of foreign currency).
b) The Bank will close the Customer’s account(s) if there are no funds in the
account(s) for 180 calendar days.

Mashreq Neo is part of Mashreqbank PSC which is regulated by the Central Bank of the United Arab Emirates.
 ‫ﺣﺴﺎب اﻟﻤﴩق ﻧﻴﻮ اﻟﺮﻗﻤﻲ ‪ -‬ﺑﻴﺎن اﻟﻤﻌﻠﻮﻣﺎت اﻟﺮﺋﻴﺴﻴﺔ‬
‫ﻫﺎم‪ :‬ﻳُ ﺮﺟﻰ ﻗﺮاءة ﻫﺬا اﻟﻤﺴﺘﻨﺪ ﺑﻌﻨﺎﻳﺔ ﻓﻲ ﺣﺎﻟﺔ اﻟﺮﻏﺒﺔ ﻓﻲ ﻓﺘﺢ ﺣﺴﺎب اﻟﻤﴩق ﻧﻴﻮ اﻟﺮﻗﻤﻲ‬
‫ﻣﺘﻄﻠﺒﺎت ﻓﺘﺢ ﺣﺴﺎب اﻟﻤﴩق ﻧﻴﻮ اﻟﺮﻗﻤﻲ‪:‬‬
‫ً‬
‫وﻓﻘﺎ ﻟﻺرﺷﺎدات‬ ‫ﻟﻔﺘﺢ ﺣﺴﺎب ﻣﻦ ﺣﺴﺎﺎﺑت اﻟﻤﴩق ﻧﻴﻮ اﻟﺮﻗﻤﻴﺔ اﻟﻤﺬﻛﻮرة أدﻧﺎه‪ ،‬ﺳﺘﺤﺘﺎج إﻟﻰ ﺗﻠﺒﻴﺔ ﻣﻌﺎﻴﻳﺮ اﻷﻫﻠﻴﺔ وﻣﺘﻄﻠﺒﺎت اﻟﺘﻌﺮﻳﻒ‬
‫اﻟﺘﻨﻈﻴﻤﻴﺔ واﻟﺴﻴﺎﺳﺎت اﻟﺪاﺧﻠﻴﺔ ﻟﻠﺒﻨﻚ‪.‬‬
‫ﻣﻌﺎﻴﻳﺮ اﻷﻫﻠﻴﺔ‪:‬‬
‫• ﻫﻮﻳﺔ إﻣﺎراﺗﻴﺔ ﺳﺎرﻳﺔ اﻟﻤﻔﻌﻮل‬
‫• ‪ 18‬ﺳﻨﺔ وﻣﺎ ﻓﻮق‬

‫أﻧﻮاع اﻟﺤﺴﺎب واﻟﺴﻤﺎت اﻟﺒﺎرزة‪:‬‬

‫ﻗﺪ ﺗﺘﻐﲑ اﻟﺨﺪﻣﺎت واﻟﺮﺳﻮم وأﺳﻌﺎر اﻟﻔﺎﺋﺪة‪ .‬ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺗﺤﺪﻳﺚ ﻟﻠﺮﺳﻮم أو اﻟﺘﻜﺎﻟﻴﻒ‪ ،‬ﻳُ ﺮﺟﻰ زﺎﻳرة ﻣﻮﻗﻌﻨﺎ ‪mashreqneo.com/soc‬‬

‫ﺣﺴﺎب اﻟﺘﻮﻓﲑ‬ ‫ﺣﺴﺎب ﺑﺴﻴﻂ‬ ‫ﺣﺴﺎب اﻟﺮاﺗﺐ‬ ‫اﻟﺤﺴﺎب اﻟﺬﻛﻲ‬ ‫وﺻﻒ اﻟﻤﻨﺘﺞ‬
‫ﻣﺘﻮﺳﻂ رﺻﻴﺪ ﺷﻬﺮي‬ ‫ﻻ ﻳﻮﺟﺪ ﺣﺪ أدﻧﻰ‬ ‫ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ إﻟﻰ اﻟﻤﴩق‬ ‫ﻣﺘﻮﺳﻂ اﻟﺤﺴﺎب اﻟﺸﻬﺮي ﺑﻘﻴﻤﺔ‬
‫ﺑﻘﻴﻤﺔ ‪ 3000‬درﻫﻢ‬ ‫ﻟﻠﺮﺻﻴﺪ‬ ‫دون اﻟﺤﺎﺟﺔ إﻟﻰ ﺣﺪ أدﻧﻰ‬ ‫‪ 3000‬درﻫﻢ أو إﻧﻔﺎﻗﺎت ﻋﻠﻰ ﺑﻄﺎﻗﺔ‬ ‫ﻣﺘﻄﻠﺒﺎت اﻟﺤﺪ اﻷدﻧﻰ ﻟﻠﺮﺻﻴﺪ‬
‫ﻣﻦ اﻟﺮﺻﻴﺪ‬ ‫ً‬
‫ﺷﻬﺮﺎﻳ‬ ‫اﻟﺨﺼﻢ ﺑﻘﻴﻤﺔ ‪ 1000‬درﻫﻢ‬

‫اﺳﱰداد ﻧﻘﺪي ﻳﺼﻞ إﻟﻰ ‪ 2500‬درﻫﻢ ﻋﻨﺪﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ إﻟﻰ‬

‫ﺣﺴﺎب ﻧﻴﻮ‪.‬‬
‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫اﺳﱰداد ﻧﻘﺪي ﻣﺒﻜﺮ ﺑﻘﻴﻤﺔ ‪ 350‬درﻫﻢ )اﺳﱰداد ﻧﻘﺪي ﻋﻠﻰ‬ ‫ﻣﻜﺎﻓﺄة اﻻﻧﻀﻤﺎم ﻋﻨﺪ ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ ‪ /‬ﻫﺪﻳﺔ‬
‫ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ‪ ،‬ﺗﺤﻮﻳﻞ ﴎﻳﻊ‪ ،‬اﻟﺘﺄﻣﲔ واﻟﻤﻌﺎﻣﻼت اﻟﱵ ﺗﺘﻢ ﺧﻼل‬
‫ً‬
‫ﻳﻮﻣﺎ(‬ ‫أول ‪90‬‬

‫اﻟﺤﺪ اﻷدﻧﻰ ﻟﻠﺮاﺗﺐ‬

‫ﺑﻄﺎﻗﺔ ﻫﻮﻳﺔ إﻣﺎراﺗﻴﺔ‬
‫‪ 5000‬درﻫﻢ أو ﺣﺠﻢ‬
‫ﺳﺎرﻳﺔ‪ ،‬ﺟﻮاز ﺳﻔﺮ‬
‫اﻷﻋﻤﺎل اﻟﺴﻨﻮي ﺑﻘﻴﻤﺔ‬ ‫ﺑﻄﺎﻗﺔ ﻫﻮﻳﺔ إﻣﺎراﺗﻴﺔ ﺳﺎرﻳﺔ‪ ،‬ﺟﻮاز ﺳﻔﺮ وﺗﺄﺷﲑة إﻗﺎﻣﺔ‬ ‫اﻟﻤﺘﻄﻠﺒﺎت اﻷﺳﺎﺳﻴﺔ اﻹﻟﺰاﻣﻴﺔ‬
‫وﺗﺄﺷﲑة إﻗﺎﻣﺔ‬
‫‪ 60,000‬درﻫﻢ‬

‫‪ 25‬درﻫﻢ ‪ +‬ﺿﺮﻳﺒﺔ‬
‫اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬ ‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ً‬
‫ﺷﻬﺮﺎﻳ‬ ‫‪ 10‬درﻫﻢ ‪ +‬ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ‬ ‫رﺳﻮم اﻟﺤﺪ اﻷدﻧﻰ ﻟﻠﺮﺻﻴﺪ‬
‫ً‬
‫ﺷﻬﺮﺎﻳ‬

‫ً‬
‫ﺳﻨﻮﺎﻳ‬ ‫‪%0.15‬‬
‫)ﺎﺑﻟﻌﻤﻠﺔ اﻹﻣﺎراﺗﻴﺔ‬ ‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ﺳﻌﺮ اﻟﻔﺎﺋﺪة‬
‫ﻓﻘﻂ(‬

‫ﻳُ ﻌﺘﻤﺪ ﻛﻞ ‪ 6‬أﺷﻬﺮ‬ ‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫دﻓﻊ اﻟﻔﺎﺋﺪة‬

‫ﻳُ ﺮﺟﻰ زﺎﻳرة ‪ mashreqneo.com/soc‬ﻟﻠﻤﺰﻳﺪ ﻣﻦ اﻟﺘﻔﺎﺻﻴﻞ وﻣﻌﺮﻓﺔ اﻟﺮﺳﻮم‬ ‫اﻟﺮﺳﻮم واﻟﺘﻜﺎﻟﻴﻒ‬

‫ﻳُ ﺮﺟﻰ اﻟﺮﺟﻮع إﻟﻰ‬

‫‪mashreqneo.com/‬‬ ‫ﻳُ ﺮﺟﻰ اﻟﺮﺟﻮع إﻟﻰ ‪mashreqneo.com/current‬‬ ‫اﻟﴩوط واﻷﺣﻜﺎم‬
‫‪savings‬‬

‫ﻣﺘﺎح ﺎﺑﻟﺪرﻫﻢ‬ ‫ﻏﲑ ﻣﺴﻤﻮح ﻟﻐﲑ اﻟﻤﻘﻴﻤﲔ ﻓﻲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‪ .‬ﺎﺑﻹﺿﺎﻓﺔ إﻟﻰ ذﻟﻚ‪،‬‬
‫اﻹﻣﺎراﺗﻲ ﻓﻘﻂ‬ ‫ﻻ ﻳُ ﺴﻤﺢ ﺎﺑﻟﺠﻨﺴﻴﺎت اﻟﱵ ﺗﻨﺪرج ﺗﺤﺖ ﻓﺌﺔ ﺟﻲ‪.(G3) 3‬‬ ‫اﻟﻘﻴﻮد‬

‫ً‬
‫ﻣﺠﺎﻧﺎ‪ 1 ،‬درﻫﻢ ﻟﻜﻞ ورﻗﺔ‬ ‫ﻳُ ﺴﻤﺢ ﺑـ)دﻓﱰ اﻟﺸﻴﻜﺎت اﻷول‬
‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫دﻓﱰ اﻟﺸﻴﻜﺎت‬
‫ﻟﻠﻄﻠﺒﺎت اﻟﻤﺴﺘﻘﺒﻠﻴﺔ(‬

‫ﺑﲔ ‪ 180-0‬ﻳﻮم ﻣﻦ ﻓﺘﺢ اﻟﺤﺴﺎب ‪ -‬ﻳُ ﺴﻤﺢ ب‪ 2‬دﻓﱰ ﺷﻴﻜﺎت‬

‫ﻋﺪد أوراق دﻓﱰ اﻟﺸﻴﻜﺎت اﻟﱵ ﺗﻢ إﺻﺪارﻫﺎ‬
‫ﺑﺤﺪ أﻗﴡ )‪ 10‬ورﻗﺎت ﻟﻜﻞ دﻓﱰ(‬
‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ﻣﻠﺤﻮﻇﺔ‪ :‬ﻳﻌﺘﻤﺪ إﺻﺪار أوراق اﻟﺸﻴﻜﺎت ﻋﻠﻰ إرﺷﺎدات اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي‬
‫ً‬
‫ﻳﻮﻣﺎ ﻣﻦ ﻓﺘﺢ اﻟﺤﺴﺎب ‪ -‬ﻳُ ﺴﻤﺢ ﺑـ ‪ 3‬دﻓﺎﺗﺮ‬ ‫ﺑﲔ ‪365-181‬‬ ‫ﻓﻲ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬
‫ﺷﻴﻜﺎت ﺑﺤﺪ أﻗﴡ )‪ 10‬أوراق ﻟﻜﻞ دﻓﱰ(‬

‫ﻣﺴﻤﻮح‬ ‫ﻣﺴﻤﻮح‬ ‫ﻣﺴﻤﻮح‬ ‫ﻣﺴﻤﻮح‬ ‫ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ )ﻓﲒا(‬

‫ﺳﺤﺐ‪ :‬ﺣﱴ ‪ 20،000‬درﻫﻢ ‪ /‬ﻋﺪد اﻟﻤﻌﺎﻣﻼت‪15 :‬‬ ‫ﺣﺪود اﻟﺴﺤﺐ اﻟﻴﻮﻣﻲ‬

‫ﴍاء‪ :‬ﺣﱴ‪ 99،999‬درﻫﻢ ‪ /‬ﻋﺪد اﻟﻤﻌﺎﻣﻼت‪40 :‬‬ ‫ﻟﺒﻄﺎﻗﺔ اﻟﺨﺼﻢ‬
‫ﻋﻨﺪ ﺿﻴﺎع‪ ،‬ﴎﻗﺔ‪ ،‬اﻻﺣﺘﻴﺎل ﻋﻠﻰ‪،‬‬
‫ً‬
‫ﻓﻮرا ﻋﱪ اﻻﺗﺼﺎل ﻋﻠﻰ ‪+97144246666‬‬ ‫ﻳُ ﺮﺟﻰ إﺑﻼغ اﻟﺒﻨﻚ‬ ‫أو ﺳﻮء اﺳﺘﺨﺪام اﻟﺤﺴﺎب‬
‫و‪/‬أو ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ‬

‫اﻟﺼﺮاف‪ /‬ﻣﻌﺎﻣﻼت ﻓﺮع ﻣﺼﺮﻓﻴﺔ‬

‫* ﺗﺸﲑ ﻣﻌﺎﻣﻠﺔ اﻟﺼﺮاف ‪ /‬اﻟﻤﻌﺎﻣﻼت اﻟﻔﺮﻋﻴﺔ إﻟﻰ ﻣﻌﺎﻣﻠﺔ ﺗﻤﺖ ﻓﻲ ﻓﺮع اﻟﺒﻨﻚ‪.‬‬
‫ﻣﻌﺎﻣﻼت اﻟﺼﺮاف ﻏﲑ ﻣﺴﻤﻮﺣﺔ‬
‫ﻻ ﻳﺸﻤﻞ ذﻟﻚ اﻟﻤﻌﺎﻣﻼت اﻟﱵ ﺗﺘﻢ ﻋﻠﻰ أﺟﻬﺰة اﻟﺼﺮاف اﻵﻟﻲ ‪ /‬أﺟﻬﺰة اﻹﻳﺪاع‬
‫اﻟﻨﻘﺪي واﻟﺸﻴﻜﺎت‬

‫ﻻ ﻳﻮﺟﺪ رﺳﻮم‬ ‫ﺗﻜﺎﻟﻴﻒ إﻏﻼق اﻟﺤﺴﺎب‬

‫ﻳﺘﻢ إرﺳﺎل ﻛﺸﻒ اﻟﺤﺴﺎب اﻹﻟﻜﱰوﻧﻲ ﻟﻠﻌﻼﻗﺎت اﻟﻤﺎﻟﻴﺔ اﻟﻤﻮﺣﺪة اﻟﺸﻬﺮﻳﺔ ﻋﻠﻰ ﻋﻨﻮان اﻟﱪﻳﺪ اﻹﻟﻜﱰوﻧﻲ اﻟﻤﺴﺠﻞ ﻟﺪى اﻟﺒﻨﻚ‪.‬‬
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‫ﺑﻴﺎﻧﺎت اﻟﻤﻌﺎﻣﻼت‬
‫أﻳﻀﺎ ﺗﺴﺠﻴﻞ اﻟﺪﺧﻮل إﻟﻰ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ ﻋﱪ اﻹﻧﱰﻧﺖ ‪ /‬ﻋﱪ اﻟﻬﺎﺗﻒ اﻟﻤﺘﺤﺮك‪.‬‬ ‫ﻟﻌﺮض ﻣﻌﺎﻣﻼت اﻟﺤﺴﺎب‪ ،‬ﻳﻤﻜﻨﻚ‬

‫اﻟﻤﴩق ﻧﻴﻮ ﺟﺰء ﻣﻦ ﺑﻨﻚ اﻟﻤﴩق ش‪.‬م‪.‬ع اﻟﻤﺮﺧﺺ واﻟﺨﺎﺿﻊ ﻟﺮﻗﺎﺑﺔ ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮﻛﺰي‪.‬‬
 ‫ﺑﻴﺎن اﻟﻤﻌﻠﻮﻣﺎت اﻟﺮﺋﻴﺴﻴﺔ ﻟﺤﺴﺎب اﻟﻤﴩق ﻧﻴﻮ‬
‫ﴍوط وأﺣﻜﺎم ﻫﺎﻣﺔ‪:‬‬
‫ﻣﻮاﻓﻘﺔ اﻟﻌﻤﻴﻞ ﺧﻼل رﺣﻠﺔ ﺗﻘﺪﻳﻢ ﻃﻠﺐ ﻟﻔﺘﺢ ﺣﺴﺎب ﺟﺪﻳﺪ‪ ،‬ﺗﻌﺘﱪ ﺑﻤﺜﺎﺑﺔ ﻗﺒﻮل ﻟﺠﻤﻴﻊ اﻟﺒﻨﻮد واﻟﴩوط ﻣﻦ ﻗﺒﻞ اﻟﻌﻤﻴﻞ‪ ،‬ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ اﻟﴩوط‬
‫واﻷﺣﻜﺎم اﻟﻤﺘﺎﺣﺔ ﻋﻠﻰ ‪mashreqneo.com/tnc‬‬

‫ﺗﻌﻮﻳﺾ اﻟﺠﺰاءات‬ ‫اﻟﺘﻮﻗﻴﻊ‬

‫ﻟﻄﺎﻟﻤﺎ ﻧﺠﺢ اﻟﺒﻨﻚ ﻓﻲ إدارة أﻋﻤﺎﻟﻪ ﺑﻄﺮﻳﻘﺔ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ اﻟﻘﺎﻧﻮن‪ .‬ﻳﻠﱱم اﻟﺒﻨﻚ‪ ،‬ﺑﻤﺎ‬
‫ﻳﺸﻜﻞ ﺗﻮﻗﻴﻊ اﻟﻌﻤﻴﻞ ﻋﻠﻰ ﻧﻤﻮذج اﻟﻤﻮاﻓﻘﺔ اﻟﺮﻗﻤﻲ ﻟﻺﻟﺘﺤﺎق ﺎﺑﻟﻤﴩق ﻧﻴﻮ‬
‫ﻓﻲ ذﻟﻚ ﺟﻤﻴﻊ ﻓﺮوﻋﻪ اﻟﻤﺤﻠﻴﺔ واﻷﺟﻨﺒﻴﺔ‪ ،‬ﺑﻀﻤﺎن اﻻﻣﺘﺜﺎل اﻟﻜﺎﻣﻞ ﻟﻠﻘﻮاﻧﲔ واﻟﻠﻮاﺋﺢ‬
‫ﻣﻮاﻓﻘﺔ ﻣﻦ اﻟﻌﻤﻴﻞ ﻋﻠﻰ ﻛﻞ اﻟﴩوط و اﻷﺣﻜﺎم‪.‬‬
‫وﻣﺘﻄﻠﺒﺎت اﻟﻌﻘﻮﺎﺑت اﻟﻤﻌﻤﻮل ﺑﻬﺎ ﻓﻲ ﺟﻤﻴﻊ اﻟﺴﻠﻄﺎت اﻟﻘﻀﺎﺋﻴﺔ‪ .‬ﻳﺘﻮﻗﻊ اﻟﺒﻨﻚ أن‬
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‫أﻳﻀﺎ ﺑﻨﻔﺲ اﻟﺒﻨﻮد‪.‬‬ ‫ﻳﻠﱱم ﻋﻤﻼﺋﻪ‬
‫أ( ﻻ ﻳﺸﺎرك اﻟﺒﻨﻚ ﻓﻲ أي ﻣﻌﺎﻣﻼت‪ ،‬ﺑﻐﺾ اﻟﻨﻈﺮ ﻋﻦ اﻟﻌﻤﻠﺔ‪ ،‬ﻣﻊ أو ﺗﺸﻤﻞ ﺳﻮرﺎﻳ‪،‬‬
‫ﺟﻤﻬﻮرﻳﺔ اﻟﻘﺮم‪ ،‬ﺟﻤﻬﻮرﻳﺔ دوﻧﻴﺘﺴﻚ اﻟﺸﻌﺒﻴﺔ )‪ ،(DNR‬ﺟﻤﻬﻮرﻳﺔ ﻟﻮﻫﺎﻧﺴﻚ‬
‫اﻟﺸﻌﺒﻴﺔ )‪ ،(LNR‬ﻛﻮﺎﺑ‪ ،‬إﻳﺮان وﻛﻮرﺎﻳ اﻟﺸﻤﺎﻟﻴﺔ‪.‬‬ ‫ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ‬
‫ب( ﻻ ﻳﺸﺎرك اﻟﺒﻨﻚ ﻓﻲ ﻣﻌﺎﻣﻼت ﻣﻘﻮﻣﺔ ﺎﺑﻟﺪوﻻر اﻷﻣﺮﻳﻜﻲ ﻣﻊ اﻟﺴﻮدان‬
‫)اﻟﺸﻤﺎل( أو ﺗﺸﻤﻠﻪ ﺣﻴﺜﻤﺎ ﻳﻮﺟﺪ راﺑﻂ ﺻﻠﺔ ﻣﻊ اﻟﻮﻻﺎﻳت اﻟﻤﺘﺤﺪة )ﻋﻠﻰ ﺳﺒﻴﻞ‬ ‫ﻳﻘﺪم اﻟﻤﴩق ﻧﻴﻮ ﺧﺪﻣﺔ اﻟﺤﺴﺎب اﻟﺠﺎري اﻟﺮﻗﻤﻲ وﺣﺴﺎب اﻟﺘﻮﻓﲑ‪ .‬ﻳﺘﻢ إﺻﺪار‬
‫اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ‪ :‬اﻟﺪوﻻر اﻷﻣﺮﻳﻜﻲ‪ ،‬إﻗﻠﻴﻢ أو ﺷﺨﺺ أﻣﺮﻳﻜﻲ‪ ،‬ﻛﻴﺎن ﺗﻤﻠﻜﻪ‪/‬‬ ‫ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ ﺑﺸﻜﻞ اﺧﺘﻴﺎري ﻣﻊ اﻟﺤﺴﺎب اﻟﺮﻗﻤﻲ )ﺣﻴﺜﻤﺎ ﻳﻨﻄﺒﻖ ذﻟﻚ( ﻟﻠﺴﻤﺎح‬
‫ﺗﺴﻴﻄﺮ ﻋﻠﻴﻪ اﻟﻮﻻﺎﻳت اﻟﻤﺘﺤﺪة أو ﺳﻠﻊ أﻣﺮﻳﻜﻴﺔ اﻟﻤﻨﺸﺄ( و ﻣﻴﺎﻧﻤﺎر‪ .‬ﻋﻠﻰ ﻫﺬا اﻟﻨﺤﻮ‪،‬‬ ‫ﺎﺑﻟﻮﺻﻮل إﻟﻰ اﻷﻣﻮال ﺑﻌﺪ ﻓﺘﺢ اﻟﺤﺴﺎب‪.‬‬
‫ﻣﻦ اﻟﻤﺘﻮﻗﻊ أﻻ ﻳﻘﻮم اﻟﻌﻤﻼء ﺑﺈﺟﺮاء أي ﻣﻌﺎﻣﻠﺔ ﺎﺑﻟﺪوﻻر اﻷﻣﺮﻳﻜﻲ ﺗﺘﻌﻠﻖ ﺑﻬﺬه‬
‫اﻟﺪول و ﻧﻨﺒﻬﻜﻢ ﺄﺑن ﺣﺼﻴﻠﺔ أي ﻣﻦ ﻫﺬه اﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ ﺗﻢ اﺳﺘﻼﻣﻬﺎ ﺑﻌﻤﻠﺔ‬
‫أﺧﺮى ﻻ ﻳﺠﺐ ﺗﺤﻮﻳﻠﻬﺎ إﻟﻰ ﻋﻤﻠﺔ اﻟﺪوﻻر اﻷﻣﺮﻳﻜﻲ وﺗﻮﺟﻴﻬﻬﺎ ﻋﻦ ﻃﺮﻳﻖ اﻟﺒﻨﻚ‪.‬‬
‫ت( ﻻ ﻳﺴﻤﺢ اﻟﺒﻨﻚ ﺑﺈﺟﺮاء أي ﻣﻌﺎﻣﻠﺔ ﻣﻊ أﻓﺮاد أو ﻛﻴﺎﻧﺎت أو ﺳﻔﻦ ﻣﺤﺪدة ﻛﺄﻫﺪاف‬ ‫ﺗﺤﺪﻳﺚ اﻟﻤﺴﺘﻨﺪات‬
‫ﻟﻠﺠﺰاءات ﻣﻦ ﻗﺒﻞ اﻟﻤﻨﻈﻤﻴﻦ اﻟﻤﺤﻠﻴﻴﻦ واﻟﺪوﻟﻴﻴﻦ‪.‬‬
‫ث( ﻻ ﻳﺸﺎرك اﻟﺒﻨﻚ ﻓﻲ ﻣﻌﺎﻣﻼت )ﺗﺸﻤﻞ اﻟﻮاردات أو اﻟﺼﺎدرات( ﺗﺘﻀﻤﻦ اﻟﻤﻮارد‬ ‫ﻳﺠﺐ ﻋﻠﻰ اﻟﻌﻤﻴﻞ إﺑﻼغ اﻟﺒﻨﻚ ﻓﻲ ﺟﻤﻴﻊ اﻷوﻗﺎت ﺄﺑي ﺗﻐﻴﲑ ‪ /‬ﺗﻌﺪﻳﻞ ﻓﻲ ﺑﻴﺎﻧﺎت‬
‫ذات اﻹﺳﺘﺨﺪام اﻟﻤﺰدوج اﻟﺘﻲ ﻳﻤﻜﻦ اﺳﺘﺨﺪاﻣﻬﺎ ﻟﻐﺮض ﻫﺠﻮﻣﻲ‪ ،‬ﻋﻠﻰ ﺳﺒﻴﻞ‬ ‫اﻟﺘﻮاﺻﻞ وﺣﺎﻟﺔ اﻹﻗﺎﻣﺔ واﻟﺘﺄﺷﲑة وﺑﻴﺎﻧﺎت اﻟﻬﻮﻳﺔ اﻹﻣﺎراﺗﻴﺔ وﺑﻴﺎﻧﺎت ﺻﺎﺣﺐ اﻟﻌﻤﻞ‬
‫اﻟﻤﺜﺎل اﻟﻤﻮاد اﻟﺘﻲ ﻳﻤﻜﻦ اﺳﺘﺨﺪاﻣﻬﺎ ﻓﻲ اﻻﻧﺘﺸﺎر اﻟﻨﻮوي‪ ،‬واﻷﺳﻠﺤﺔ‪ ،‬واﻟﺬﺧﺎﺋﺮ‬ ‫ﻋﻦ ﻃﺮﻳﻖ )‪ (1‬ﺗﺴﺠﻴﻞ اﻟﺪﺧﻮل ﻟﻠﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ ﻋﱪ اﻹﻧﱰﻧﺖ وﺗﺤﺪﻳﺚ ﺗﻔﺎﺻﻴﻞ‬
‫وﻏﻴﺮﻫﺎ‪.‬‬ ‫اﻟﻌﻤﻴﻞ أو )‪ (2‬اﻻﺗﺼﺎل ﺑﻤﺮﻛﺰ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ اﻟﻤﺒﺎﴍة‪ .‬ﻓﻲ ﺣﺎﻟﺔ ﻋﺪم‬
‫وﻓﻘﺎ ﻟﺴﻴﺎﺳﺔ اﻟﺒﻨﻚ‪ ،‬ﻳﻘﺪم اﻟﺒﻨﻚ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ ﺣﺼﺮﺎﻳ ﻟﻠﻌﻤﻼء اﻟﻠﺬﻳﻦ‬ ‫ً‬ ‫ج(‬ ‫ﺗﻘﺪﻳﻢ اﻟﻤﻌﻠﻮﻣﺎت اﻟﻤﺤﺪﺛﺔ أو اﻟﻤﺴﺘﻨﺪات ذات اﻟﺼﻠﺔ‪ ،‬ﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﺎﺑﻟﺤﻖ ﻓﻲ‬
‫ﻟﺪﻳﻬﻢ ﺣﺴﺎﺎﺑت ﻣﻊ اﻟﺒﻨﻚ‪ .‬ﻟﺬﻟﻚ ﻧﻨﺒﻪ اﻟﻌﻤﻼء ﺑﻌﺪم إﺟﺮاء ﻣﻌﺎﻣﻼت ﻓﻲ‬ ‫ﺣﻈﺮ ﺣﺴﺎب )ﺣﺴﺎﺎﺑت( اﻟﻌﻤﻴﻞ ﺣﱴ ﻳﺘﻢ ﺗﻮﻓﲑ اﻟﻤﻌﻠﻮﻣﺎت أو اﻟﻤﺴﺘﻨﺪات‬
‫ﺣﺴﺎﺎﺑﺗﻬﻢ ﺎﺑﻟﻨﻴﺎﺑﺔ ﻋﻦ ﻃﺮف )أﻃﺮاف( ﺛﺎﻟﺚ‪.‬‬ ‫اﻟﻤﺤﺪﺛﺔ‪.‬‬
‫ﺗﻤﺎﺷﻴﺎ ﻣﻊ ﺳﻴﺎﺳﺎت اﻟﺒﻨﻚ اﻟﻤﻌﺘﻤﺪة واﻟﱱاﻣﺎت اﻻﻣﺘﺜﺎل اﻟﺘﻨﻈﻴﻤﻲ اﻟﺨﺎﺻﺔ ﺑﻪ‪ ،‬ﻟﻦ‬ ‫ً‬
‫ﻗﺎدرا ﻋﻠﻰ ﺧﺪﻣﺔ اﻟﻌﻤﻼء اﻟﺬﻳﻦ ﻻ ﻳﻠﱱﻣﻮن ﺎﺑﻟﻤﺘﻄﻠﺒﺎت اﻟﺴﺎﺑﻘﺔ‪.‬‬ ‫ً‬ ‫ﻳﻜﻮن اﻟﺒﻨﻚ‬

‫ﺳﻴﺎﺳﺔ اﻟﺸﻴﻜﺎت اﻟﻤﺮﺗﺠﻌﺔ وﺗﻘﺎرﻳﺮ اﻟﺒﻨﻚ اﻟﻤﺮﻛﺰي‬

‫إذا ﻛﺎن ﻳﺠﺐ إﻋﺎدة اﻟﺸﻴﻚ )اﻟﺸﻴﻜﺎت( اﻟﺼﺎدرة ﻋﻦ اﻟﻌﻤﻴﻞ ﻏﲑ ﻣﺪﻓﻮﻋﺔ ﺑﺴﺒﺐ‬
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‫وﻓﻘﺎ ﻟﻠﻘﻮاﻧﲔ واﻟﻠﻮاﺋﺢ‬ ‫ﻋﺪم ﻛﻔﺎﻳﺔ اﻷﻣﻮال‪ ،‬ﻳﺠﻮز ﻟﻠﺒﻨﻚ إﻏﻼق اﻟﺤﺴﺎب‬
‫اﻟﴪﻳﺔ واﻷﻣﺎن‬ ‫اﻟﻤﻌﻤﻮل ﺑﻬﺎ ﻓﻲ دوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‪ .‬ﻓﻲ ﻣﺜﻞ ﻫﺬه اﻟﺤﺎﻟﺔ ﻳﺠﺐ‬
‫ﻋﻠﻰ اﻟﻌﻤﻴﻞ إﻋﺎدة دﻓﺎﺗﺮ اﻟﺸﻴﻜﺎت اﻟﻤﺘﻌﻠﻘﺔ ﺎﺑﻟﺤﺴﺎب إﻟﻰ اﻟﺒﻨﻚ‪ .‬ﻗﺪ ﻳﻜﻮن اﻟﺒﻨﻚ‬
‫ﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﺑﺴﻴﺎﺳﺎت ﺻﺎرﻣﺔ وﺿﻮاﺑﻂ أﻣﻨﻴﺔ ﻟﻀﻤﺎن ﺣﻤﺎﻳﺔ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ‬ ‫ً‬
‫ﻣﻠﺰﻣﺎ ﺎﺑﻹﺑﻼغ ﻋﻦ اﻟﺘﻔﺎﺻﻴﻞ اﻟﺨﺎﺻﺔ ﺑﻪ ‪ /‬ﺑﻬﺎ و ‪ /‬أو ﺗﻔﺎﺻﻴﻞ اﻟﺤﺴﺎب ﻣﻊ‬
‫ﻓﻲ أﻧﻈﻤﺔ وﺿﻮاﺑﻂ اﻟﺒﻨﻚ‪ .‬ﻳُ ﺴﻤﺢ ﻟﻤﻮﻇﻔﻲ اﻟﺒﻨﻚ واﻟﻤﺘﻌﺎﻗﺪﻳﻦ ﻣﻌﻪ ﻓﻘﻂ‬
‫اﻟﺸﻴﻜﺎت اﻟﻤﺮﺗﺠﻌﺔ إﻟﻰ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﻟﺪوﻟﺔ اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬
‫ﺎﺑﻟﻮﺻﻮل إﻟﻰ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ اﻟﱵ ﻗﺪ ﻳﺤﺘﺎﺟﻮﻧﻬﺎ ﻷداء وﻇﺎﺋﻔﻬﻢ وﻟﺘﻘﺪﻳﻢ‬
‫واﻟﺴﻠﻄﺎت اﻷﺧﺮى ذات اﻟﺼﻠﺔ‪.‬‬
‫اﻟﺨﺪﻣﺎت ﻟﻠﻌﻤﻴﻞ‪.‬‬
‫ﻳﻤﻜﻦ ﻟﻤﻮﻇﻔﻴﻨﺎ وﻣﻘﺎوﻟﻴﻨﺎ اﻟﻮﺻﻮل إﻟﻰ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ ﻋﻨﺪ اﻟﻀﺮورة ﻹﺟﺮاء‬
‫ﻣﻌﺎﻣﻠﺔ أو اﻟﺮد ﻋﻠﻰ اﺳﺘﻔﺴﺎراﺗﻪ‪ .‬ﻳﺘﻌﲔ ﻋﻠﻰ ﺟﻤﻴﻊ ﻣﻮﻇﻔﻲ وﻣﺘﻌﺎﻗﺪي‬
‫اﻟﺒﻨﻚ اﺣﱰام ﺧﺼﻮﺻﻴﺔ اﻟﻌﻤﻴﻞ‪ .‬ﻟﻐﺎﻳﺔ اﻹﻃﻼع ﻋﻠﻰ ﺳﻴﺎﺳﺔ ﺧﺼﻮﺻﻴﺔ ﺑﻴﺎﻧﺎت‬ ‫اﻟﻔﻮاﺋﺪ واﻟﺮﺳﻮم واﻟﻤﺒﺎﻟﻎ اﻷﺧﺮى‬
‫اﻟﻤﴩق‪ ،‬ﺗﻔﻀﻞ ﺑﺰﺎﻳرة ‪mashreq.com/privacy‬‬
‫ﻳﺠﻮز ﻟﻠﺒﻨﻚ ﻓﺮض ﻓﺎﺋﺪة ﻋﻠﻰ أي رﺻﻴﺪ ﻣﺪﻳﻦ ﺑﺴﻌﺮ اﻟﻔﺎﺋﺪة اﻟﺴﺎﺋﺪ ﻟﺪى اﻟﺒﻨﻚ‬
‫اﻟﺬي ﻳﺘﻢ إﺧﻄﺎر اﻟﻌﻤﻴﻞ ﺑﻪ ﻣﻦ وﻗﺖ ﻵﺧﺮ‪ .‬ﻳﺠﻮز ﻟﻠﺒﻨﻚ ﺗﻌﺪﻳﻞ أﺳﻌﺎر اﻟﻔﺎﺋﺪة‬
‫واﻟﺮﺳﻮم ﻣﻦ وﻗﺖ ﻵﺧﺮ ﻋﻨﺪ ﺗﻘﺪﻳﻢ إﺷﻌﺎر ﺧﻄﻲ ﻣﺴﺒﻖ ﺑﻬﺬا اﻟﺘﻐﻴﲑ أو‬
‫اﻟﺘﻐﻴﲑات‪.‬‬
‫ﺣﻖ اﻹﻟﻐﺎء‬

‫ﺗﻤﺎﺷﻴﺎ ﻣﻊ ﻣﻌﺎﻴﻳﺮ ﺣﻤﺎﻳﺔ اﻟﻤﺴﺘﻬﻠﻚ اﻟﺼﺎدرة ﻋﻦ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﻓﻲ اﻹﻣﺎرات‬ ‫ً‬

‫وﻓﻘﺎ ﻟﻼﺋﺤﺔ ﺣﻤﺎﻳﺔ اﻟﻤﺴﺘﻬﻠﻚ )ﺗﻌﻤﻴﻢ رﻗﻢ ‪ ،(8- 2020‬ﺳﻴﺘﻢ‬ ‫ً‬ ‫اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬
‫إﺑﻼﻏﻚ ﺑﻤﻮﺟﺐ ﻫﺬا ﺄﺑﻧﻪ ﻳﺤﻖ ﻟﻚ ﺳﺤﺐ أو إﻟﻐﺎء ﻃﻠﺐ ﻓﺘﺢ ﺣﺴﺎب اﻷﻋﻤﺎل اﻟﺨﺎص ﺑﻚ‬
‫ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ‬
‫ﻓﻲ ﻏﻀﻮن ‪ 5‬أﺎﻳم ﻋﻤﻞ ﻣﻦ ﺗﺎرﻳﺦ اﻟﺘﻮﻗﻴﻊ )"ﻓﱰة اﻟﺴﻤﺎح"(‪ .‬ﻓﻲ ﻳﻮم اﻟﻌﻤﻞ‬
‫ﺑﻴﻨﻤﺎ ﻳﺒﺬل اﻟﺒﻨﻚ ﻗﺼﺎرى ﺟﻬﺪه ﻟﻠﺘﻌﺎﻣﻞ ﻣﻊ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ ﻋﻠﻰ أﻧﻬﺎ ﴎﻳﺔ‬
‫اﻟﺴﺎدس )أو ﺑﻌﺪ ﻳﻮم واﺣﺪ ﻣﻦ اﻧﺘﻬﺎء ﻓﱰة اﻟﺴﻤﺎح(‪ ،‬ﻳﺠﺐ ﻋﻠﻴﻚ إﺑﻼغ اﻟﺒﻨﻚ ﺑﻘﺮارك‬
‫ﻟﻠﻐﺎﻳﺔ‪ ،‬ﻳﻘﺮ اﻟﻌﻤﻴﻞ وﻳﻮاﻓﻖ ﻋﻠﻰ ﻗﻴﺎم اﻟﺒﻨﻚ ﺎﺑﻹﻓﺼﺎح ﻋﻦ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ أو‬
‫ﺑﺈﻟﻐﺎء أو ﺳﺤﺐ ﻃﻠﺐ ﻓﺘﺢ ﺣﺴﺎب اﻷﻋﻤﺎل وإﻻ ﺳﻨﺴﺘﻤﺮ ﻓﻲ ﺗﻨﻔﻴﺬ اﻹﺟﺮاءات واﻟﱵ‬
‫ﻣﺸﺎرﻛﺘﻬﺎ ﻓﻴﻤﺎ ﺑﲔ‪:‬‬
‫ُﺗﻌﺘﱪ ﻣﺆﻛﺪة ﻣﻦ ﻃﺮﻓﻚ‪.‬‬
‫أ( ﻓﺮوع اﻟﺒﻨﻚ وﴍﻛﺎﺗﻪ اﻟﻔﺮﻋﻴﺔ وﻣﻜﺎﺗﺒﻪ اﻟﺘﻤﺜﻴﻠﻴﺔ واﻟﴩﻛﺎت اﻟﺘﺎﺑﻌﺔ و‪ /‬أو‬
‫ﺳﻴﻘﻮم اﻟﺒﻨﻚ‪ ،‬ﺧﻼل ﻓﱰة اﻟﺴﻤﺎح‪ ،‬ﺑﱱوﻳﺪك ﺑﺈﻣﻜﺎﻧﻴﺔ اﻟﻮﺻﻮل إﻟﻰ ﺣﺴﺎب اﻷﻋﻤﺎل‬
‫ً‬ ‫وﻛﻼء اﻟﺒﻨﻚ؛‬
‫وﻓﻘﺎ ﻹﺟﺮاءات ﺳﻴﺎﺳﺔ‬ ‫اﻟﺨﺎص ﺑﻚ واﻟﺨﺪﻣﺎت اﻷﺧﺮى ذات اﻟﺼﻠﺔ ﺎﺑﻟﺤﺴﺎب‪ ،‬وذﻟﻚ‬
‫"اﻋﺮف ﻋﻤﻴﻠﻚ" وإﺟﺮاءات اﻻﻣﺘﺜﺎل اﻟﺨﺎﺻﺔ ﺎﺑﻟﺒﻨﻚ‪.‬‬ ‫ب( اﻷﻃﺮاف اﻟﺜﺎﻟﺜﺔ اﻟﱵ ﻳﺨﺘﺎرﻫﺎ اﻟﺒﻨﻚ و‪ /‬أو أي ﺷﺨﺺ ﻣﺬﻛﻮر ﻓﻲ )أ( أﻋﻼه‪ ،‬أﻳﻨﻤﺎ‬
‫إذا اﺧﱰت اﻟﺘﻨﺎزل ﻋﻦ ﺣﻘﻚ ﻓﻲ ﻓﱰة اﻟﺴﻤﺎح‪ ،‬ﻓﻴﺠﺐ ﻋﻠﻴﻚ ﺗﺄﻛﻴﺪ أو إﺧﻄﺎر ﻫﺬه اﻟﻨﻴﺔ‬ ‫ﻛﺎن ﻣﻮﻗﻌﻬﺎ‪ ،‬ﻟﻼﺳﺘﺨﺪام اﻟﴪي ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ‪ ،‬أي‬
‫ﻟﻠﺒﻨﻚ ﻛﺘﺎﺑﺔ‪ .‬وﺗﺠﺪر اﻹﺷﺎرة إﻟﻰ أﻧﻪ إذا اﺧﱰت إﻟﻐﺎء أو ﺳﺤﺐ ﻃﻠﺐ ﻓﺘﺢ ﺣﺴﺎب‬ ‫ﻣﻌﺎﻟﺠﺔ ﺑﻴﺎﻧﺎت‪ ،‬وأﻏﺮاض إﺣﺼﺎﺋﻴﺔ وﺗﺤﻠﻴﻞ ﻣﺨﺎﻃﺮ؛ أو‬
‫ً‬
‫ﻣﺴﺆوﻻ ﻋﻦ دﻓﻊ ﺟﻤﻴﻊ اﻟﺘﻜﺎﻟﻴﻒ‬ ‫اﻷﻋﻤﺎل ﺧﻼل ﻓﱰة اﻟﺴﻤﺎح‪ ،‬ﻓﺴﺘﻜﻮن‬ ‫ً‬
‫وﻓﻘﺎ ﻷي ﻗﺎﻧﻮن أو ﻻﺋﺤﺔ أو‬ ‫ت( أي ﻣﺤﻜﻤﺔ ﻣﺨﺘﺼﺔ أو ﺟﻬﺔ ﺗﻨﻈﻴﻤﻴﺔ أو ﺳﻠﻄﺔ‬
‫واﻟﺮﺳﻮم اﻟﱵ ﻗﺪ ﺗﻜﻮن ﺗﻜﺒﺪﺗﻬﺎ ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺄﺑي أو ﺟﻤﻴﻊ اﻟﻤﻌﺎﻣﻼت اﻟﱵ أﺟﺮﻳﺖ‬ ‫إﺟﺮاء ﻗﺎﻧﻮﻧﻲ ذي ﺻﻠﺔ ﻳﺨﻀﻊ ﻟﻪ اﻟﺒﻨﻚ )ﺑﻤﺎ ﻓﻲ ذﻟﻚ أي ﻣﻦ ﻓﺮوﻋﻪ أو ﻣﻜﺎﺗﺐ‬
‫ﻓﻲ ﺣﺴﺎب اﻷﻋﻤﺎل اﻟﺨﺎص ﺑﻚ ﺧﻼل ﻓﱰة اﻟﺴﻤﺎح وﻗﺒﻞ إﻟﻐﺎء ﺣﺴﺎﺑﻚ‪.‬‬ ‫ﺗﻤﺜﻴﻠﻪ أو اﻟﴩﻛﺎت اﻟﺘﺎﺑﻌﺔ ﻟﻪ و‪ /‬أو وﻛﻼﺋﻪ(‪.‬‬

‫إﻏﻼق اﻟﺤﺴﺎب‬
‫ﻣﺮاﺟﻌﺔ اﻟﴩوط واﻷﺣﻜﺎم‬
‫ً‬
‫وﻓﻘﺎ ﻟﺘﻘﺪﻳﺮه اﻟﺨﺎص وﻗﺮاره‪ ،‬ﺑﻌﺪ إرﺳﺎل إﺷﻌﺎر إﻏﻼق‬ ‫أ( ﻳﺠﻮز ﻟﻠﺒﻨﻚ ﻓﻲ أي وﻗﺖ‬
‫إﻟﻰ اﻟﺤﺪ اﻟﺬي ﺗﺴﻤﺢ ﺑﻪ اﻟﻘﻮاﻧﲔ اﻟﻤﻌﻤﻮل ﺑﻬﺎ‪ ،‬ﻳﺠﻮز ﻟﻠﻤﴩق ﺗﻌﺪﻳﻞ أو اﺳﺘﺒﺪال أو‬ ‫اﻟﺤﺴﺎب‪ ،‬إﻏﻼق اﻟﺤﺴﺎب )اﻟﺤﺴﺎﺎﺑت( اﻟﻤﻌﻨﻴﺔ‪ .‬ﻓﻲ ﺣﺎﻟﺔ إﻏﻼق اﻟﺤﺴﺎب‬
‫ً‬
‫وﻓﻘﺎ ﻟﺘﻘﺪﻳﺮه اﻟﺨﺎص‪ .‬إذا ﻛﺎﻧﺖ‬ ‫اﺳﺘﻜﻤﺎل أو ﺣﺬف أي ﴍوط وأﺣﻜﺎم ﻓﻲ أي وﻗﺖ‬ ‫)اﻟﺤﺴﺎﺎﺑت( ﻷي ﺳﺒﺐ ﻣﻦ اﻷﺳﺒﺎب‪ ،‬ﻳﻮاﻓﻖ اﻟﻌﻤﻴﻞ ﻋﻠﻰ أن اﻟﺮﺻﻴﺪ اﻟﻤﺘﺒﻘﻲ ﻓﻲ‬
‫ﻫﻨﺎك أي ﺗﻐﻴﲑات ﻣﻘﺼﻮدة ﻋﻠﻰ اﻟﴩوط واﻷﺣﻜﺎم أو ﻋﻠﻰ أي ﻣﻦ اﻟﻤﺰاﺎﻳ‬ ‫اﻟﺤﺴﺎب )اﻟﺤﺴﺎﺎﺑت(‪ ،‬إن وﺟﺪ‪ ،‬ﻳﻤﻜﻦ ﺻﺮﻓﻪ أو رده إﻟﻰ اﻟﻌﻤﻴﻞ ﻣﻦ ﻗﺒﻞ اﻟﺒﻨﻚ‬
‫ﻳﻮﻣﺎ ﻗﺒﻞ أن ﺗﴪي ﻫﺬه‬ ‫ً‬ ‫ً‬
‫إﺷﻌﺎرا ﻟﻤﺪة ‪60‬‬ ‫اﻟﻤﺤﺪدة‪ ،‬ﻓﺴﻴﻘﻮم اﻟﺒﻨﻚ ﺑﺈﻋﻄﺎء اﻟﻌﻤﻴﻞ‬ ‫ﺎﺑﻟﺪرﻫﻢ اﻹﻣﺎراﺗﻲ‪ ،‬ﺑﻌﺪ ﺧﺼﻢ أي رﺳﻮم وﺗﻜﺎﻟﻴﻒ ﻣﻄﺒﻘﺔ )ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﺗﻜﻠﻔﺔ‬
‫اﻟﺘﻐﻴﲑات ﻣﻦ ﺧﻼل ﻣﻮﻗﻊ اﻟﻤﴩق اﻹﻟﻜﱰوﻧﻲ )‪ (Mashreqneo.com‬و‪ /‬أو ﻋﱪ‬ ‫ﺗﺤﻮﻳﻞ اﻟﻌﻤﻼت اﻷﺟﻨﺒﻴﺔ(‪.‬‬
‫اﻟﱪﻳﺪ اﻹﻟﻜﱰوﻧﻲ و‪ /‬أو ﻣﻦ ﺧﻼل أي وﺳﻴﻠﺔ اﺗﺼﺎل أﺧﺮى ﻳﺮاﻫﺎ اﻟﺒﻨﻚ ﻣﻨﺎﺳﺒﺔ‪.‬‬ ‫ب( ﺳﻴﻐﻠﻖ اﻟﺒﻨﻚ ﺣﺴﺎب )ﺣﺴﺎﺎﺑت( اﻟﻌﻤﻴﻞ إذا ﻟﻢ ﺗﻜﻦ ﻫﻨﺎك أﻣﻮال ﻓﻲ اﻟﺤﺴﺎب‬
‫ً‬
‫ﺗﻘﻮﻳﻤﻴﺎ‪.‬‬ ‫ً‬
‫ﻳﻮﻣﺎ‬ ‫)اﻟﺤﺴﺎﺎﺑت( ﻟﻤﺪة ‪180‬‬

‫اﻟﻤﴩق ﻧﻴﻮ ﺟﺰء ﻣﻦ ﺑﻨﻚ اﻟﻤﴩق ش‪.‬م‪.‬ع اﻟﻤﺮﺧﺺ واﻟﺨﺎﺿﻊ ﻟﺮﻗﺎﺑﺔ ﻣﺼﺮف اﻹﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة اﻟﻤﺮﻛﺰي‪.‬‬