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 a NEO Digital Account you will need to meet the eligibility criteria and satisfy some 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 MaxSaver Account Mashreq Millionaire

Minimum balance Monthly average balance Transfer salary to No minimum balance AED 3,000 Monthly No minimum balance No balance required.
requirement of AED 3,000 or Debit Mashreq & no minimum Average balance Each certificates costs
card spends of AED balance required AED 1,000
1,000 per month

Joining Bonus upon • Upto AED 2,500 cashback on transferring salary to Not applicable
salary transfer/Gift Neo Account
• AED 350 Early Bird Cashback (Cashback on Debit
card, Quick Remit, Insurance etc. transactions done
within first 90 days)

Key Obligations/ • Valid Emirates ID, Residence Visa & Passport Valid Emirates ID, Valid Emirates ID, An active Current or 1) Valid Emirates ID
requirements • Minimum salary of AED 5,000 or annual turnover Residence Visa & Passport Residence Visa & Savings Account with 2) 1st time purchase
of AED 60,000 Monthly Salary < AED Passport Mashreq Bank must be minimum 3
5,000 certificates

Fall Below Fees AED 10 + VAT per month No Fall Below Fees AED 25 + VAT per month No Fall Below Fees
(in case minimum balance
requirement or required Debit
card spends is not
achieved/Salary is not transfered)

Interest Rate Not applicable 0.25% p.a. (for AED Upto 1% p.a. (for AED Not applicable
currency only) currency only)

Interest pay out Not applicable Credited every 6 months Monthly Not applicable

Fees & charges Visit mashreqneo.com/soc for detailed fee and charges Cost of purchase AED
35/- + VAT per purchase
transaction

Terms & Conditions Please refer to mashreqneo.com/current Please refer to: Please refer to: Please refer to
mashreqneo.com/ mashreqneo.com/ mashreq.com/mmtncen
savings maxtnc

Limitations Non Residents of UAE are not permitted. In addition G3 nationalities are not Available in AED only 1) Available in AED Nil
permitted. currency only
2) Only one debit
transaction per month is
allowed without any loss
of interest.

Cheque Book Allowed (First Cheque Book Free & AED 1 per leaf for Not applicable
additional requests)

Number of cheque Between 0-180 days of account opening - maximum 2 Not applicable
leaves issued Cheque Books (of 10 leaves each) permitted
Note: Cheque leaves issuance Between 181-365 days of account opening - maximum 3
based on UAE Central Bank Cheque Books (of 10 leaves each) permitted
guidelines

Debit Card (VISA) Allowed Allowed Allowed Allowed Not applicable Not applicable

Debit Card daily Withdrawal: Up to AED 20,000 / Number of Transactions: 20 Not applicable
Withdrawal limits Purchase: Up to AED 99,999 / Number of Transactions: 99

Loss, theft, fraud or Inform the bank immediately by calling +9714 424 6666 Not applicable
misuse of account
and/or Debit Card

Teller/Manned* No teller transactions allowed Mashreq Millionaire

transactions Certificate can be redeemed
*A teller / manned transaction through Mashreq Neo app
refers to a transaction made in the
branch of the bank. It does not
include transactions made on an
ATM/CCDM

Account Closure No charges Charges of AED 25 + VAT

charges (per certificate) applicable
for cancellation within 90
days of purchase

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

Mashreq NEO is part of Mashreqbank PSC which is regulated by the Central Bank of 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, as may be amended from time to time, including but not limited to the 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 Customer, manner. The Bank, including all its domestic and foreign branches, is
as may be amended from time to time. committed 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.

• The Bank does not engage in any transactions, irrespective of currency, with
Debit Card or involving Syria, Crimea, Cuba, Iran and North Korea.
• The Bank does not engage in USD denominated transactions with or
involving Sudan (North). As such, it is expected that customers do not
Mashreq NEO offers Digital Current & Savings Account. Debit Card is issued conduct any transaction in USD involving this country. It is also advised that
mandatorily along with the Digital account (as applicable) to allow access to proceeds of any such transactions received in any other currency should not
funds post account opening. be converted in USD and routed through the Bank.
• The Bank does not allow any transaction with persons, entities or vessels
designated as sanctions targets by local and international regulators.
• 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.
• The Bank pursuant to its policy provides banking services exclusively to its
The Customer shall keep the Bank informed at all times, of any change/alteration account holders who are customers of the bank. Customers are therefore
in their communication details, residency status, visa, Emirates ID and employer advised not to conduct transactions in their account(s) on behalf of third
details by (i) visiting/contact the nearest Mashreq branch, (ii) signing onto Online party(ies).
banking and updating Customer details or (iii) 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 Customer
If cheque(s) issued by the Customer have to be returned unpaid due to information in Bank’s systems and controls are protected. The Bank employees
inadequate funds, the Bank may close the account pursuant to the applicable and contractors are only permitted access to Customer information that they
laws and regulations of the UAE. In such event the Customer must return to the may need to perform their jobs and to provide services to you.
Bank, the cheque books relating to the account. The Bank may be obliged to Our employees and contractors have access to such Customer information as
report his/her details and/or the account details with returned cheques to the necessary to conduct a transaction or respond to your inquiries. All employees
UAE Central Bank and other relevant authorities. 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
In line with the Consumer Protection Standards issued by the UAE Central Bank
charges may be revised from time to time by the Bank on giving prior written
pursuant to the Consumer Protection Regulation (Circular No. 8 – 2020), you are
notice of such change or changes.
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
Customer Information withdraw the Account Opening Application otherwise, the same 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
Whilst every effort will be made by the Bank to treat customer information as Account and other account related services, subject to satisfactory KYC and
highly confidential, the Customer acknowledges and agrees to the Bank compliance checks and procedures of the Bank.
disclosing or sharing Customer information to and between: Should you choose to waive your right to the Cooling-Off Period, you must, in
(a) the Bank’s branches, subsidiaries, representative offices, affiliates and/or writing, notify and/or confirm to the Bank such intention. It must be noted that
agents of the Bank; if you opt to cancel or withdraw the Account Opening Application within the
(b) third parties selected by the Bank and/or any one mentioned in (a) above, Cooling-Off Period, you shall be responsible to pay all costs and charges that you
wherever situated, for confidential use including but not limited to any data may have incurred in relation to any and all transactions conducted in your
processing, statistical and risks analysis purposes; or Account during the Cooling-Off Period and before the cancellation of your
(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
a) The Bank may at any time at its sole discretion and determination, after discretion. If there are any intended changes to the Terms and Conditions or to
serving an account closure notice, close the subject account(s). In the event of any of the specific features, the Bank will give the Customer 60-calendar days
any closure of the account(s) for any reason, the Customer agrees that the notice prior to such changes taking effect through the Mashreq website
remaining balance in the account(s), if any, can be disbursed or refunded to the (Mashreqneo.com) and/or via e-mail and/or through any other means of
Customer by the Bank in AED, after deducting any applicable charges and fees communication as deemed appropriate by the Bank.
(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 United Arab Emirates
 ‫ﺣﺴﺎب ﻣﺸﺮق ﻧﻴﻮ اﻟﺮﻗﻤﻲ ‪ -‬ﺑﻴﺎن اﻟﻤﻌﻠﻮﻣﺎت اﻟﺮﺋﻴﺴﻴﺔ‬
‫ﻫﺎم‪ُ :‬ﻳﺮﺟﻰ ﻗﺮاءة ﻫﺬا اﻟﻤﺴﺘﻨﺪ ﺑﻌﻨﺎﻳﺔ ﻓﻲ ﺣﺎل ﻛﻨﺖ ﺗﺮﻏﺐ ﻓﻲ ﻓﺘﺢ ﺣﺴﺎب ﻣﺸﺮق ﻧﻴﻮ اﻟﺮﻗﻤﻲ‬
‫ﻣﺘﻄﻠﺒﺎت ﻓﺘﺢ ﺣﺴﺎب ﻣﺸﺮق ﻧﻴﻮ اﻟﺮﻗﻤﻲ‪:‬‬
‫ﻟﻔﺘﺢ ﺣﺴﺎب ﻣﺸﺮق ﻧﻴﻮ اﻟﺮﻗﻤﻲ‪ ،‬ﺳﺘﺤﺘﺎج إﻟﻰ ﺗﻠﺒﻴﺔ ﻣﻌﺎﻳﻴﺮ ا•ﻫﻠﻴﺔ وﺗﻠﺒﻴﺔ ﺑﻌﺾ ﻣﺘﻄﻠﺒﺎت اﻟﺘﻌﺮﻳﻒ وﻓﻘŽ ﻟŒرﺷﺎدات اﻟﺘﻨﻈﻴﻤﻴﺔ واﻟﺴﻴﺎﺳﺎت اﻟﺪاﺧﻠﻴﺔ ﻟﻠﺒﻨﻚ‪.‬‬
‫ﻣﻌﺎﻳﻴﺮ اﻫﻠﻴﺔ‪:‬‬
‫• ﻫﻮﻳﺔ إﻣﺎراﺗﻴﺔ ﺳﺎرﻳﺔ اﻟﻤﻔﻌﻮل‬
‫• ‪ 18‬ﺳﻨﺔ ﻓﻴﻤﺎ ﻓﻮق‬

‫أﻧﻮاع اﻟﺤﺴﺎب واﻟﺴﻤﺎت اﻟﺒﺎرزة‪:‬‬

‫ﻗﺪ ﺗﺘﻐﻴﺮ اﻟﺨﺪﻣﺎت واﻟﺮﺳﻮم وأﺳﻌﺎر اﻟﻔﺎﺋﺪة‪ .‬ﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺗﺤﺪﻳﺚ ﻟﻠﺮﺳﻮم أو اﻟﺘﻜﺎﻟﻴﻒ‪ُ ،‬ﻳﺮﺟﻰ زﻳﺎرة ﻣﻮﻗﻌﻨﺎ ‪mashreqneo.com/soc‬‬

‫اﻟﻤﺸﺮق ﻣﻠﻴﻮﻧﻴﺮ‬ ‫ﺣﺴﺎب اﻟﺘﻮﻓﻴﺮ ﺣﺴﺎب ﻣﺎﻛﺲ ﺳﻴﻔﺮ‬ ‫ﺣﺴﺎب ﺑﺴﻴﻂ‬ ‫ﺣﺴﺎب اﻟﺮاﺗﺐ‬ ‫اﻟﺤﺴﺎب اﻟﺬﻛﻲ‬ ‫وﺻﻒ اﻟﻤﻨﺘﺞ‬

‫وﺟﻮد رﺻﻴﺪ ﻏﻴﺮ ﻣﻄﻠﻮب‪.‬‬ ‫ﻻ ﻳﻮﺟﺪ ﺣﺪ أدﻧﻰ ﻟﻠﺮﺻﻴﺪ‬ ‫ﻣﺘﻮﺳﻂ رﺻﻴﺪ ﺷﻬﺮي‬ ‫ﻻ ﻳﻮﺟﺪ ﺣﺪ أدﻧﻰ‬ ‫ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ إﻟﻰ اﻟﻤﺸﺮق‬ ‫ﻣﺘﻮﺳﻂ اﻟﺤﺴﺎب اﻟﺸﻬﺮي ﺑﻘﻴﻤﺔ‬
‫ﻗﻴﻤﺔ ﻛﻞ ﺷﻬﺎدة ‪1,000‬‬ ‫ﺑﻘﻴﻤﺔ ‪ 3,000‬درﻫﻢ‬ ‫ﻟﻠﺮﺻﻴﺪ‬ ‫دون اﻟﺤﺎﺟﺔ إﻟﻰ ﺣﺪ أدﻧﻰ‬ ‫‪ 3000‬درﻫﻢ أو إﻧﻔﺎﻗﺎت ﻋﻠﻰ ﺑﻄﺎﻗﺔ‬ ‫ﻣﺘﻄﻠﺒﺎت اﻟﺤﺪ ادﻧﻰ ﻟﻠﺮﺻﻴﺪ‬
‫درﻫﻢ‬ ‫ﻣﻦ اﻟﺮﺻﻴﺪ‬ ‫اﻟﺨﺼﻢ ﺑﻘﻴﻤﺔ ‪ 1000‬درﻫﻢ ﺷﻬﺮﻳŽ‬

‫اﺳﺘﺮداد ﻧﻘﺪي ﻳﺼﻞ إﻟﻰ ‪ 2,500‬درﻫﻢ ﻋﻨﺪﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ إﻟﻰ ﺣﺴﺎب ﻧﻴﻮ‪.‬‬
‫ﻣﻜﺎﻓﺄة اﻻﻧﻀﻤﺎم ﻋﻨﺪ ﺗﺤﻮﻳﻞ‬
‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫اﺳﺘﺮداد ﻧﻘﺪي ﻣﺒﻜﺮ ﺑﻘﻴﻤﺔ ‪ 350‬درﻫﻢ )اﺳﺘﺮداد ﻧﻘﺪي ﻋﻠﻰ ﺑﻄﺎﻗﺔ‬
‫اﻟﺨﺼﻢ‪ ،‬ﺗﺤﻮﻳﻞ ﺳﺮﻳﻊ‪ ،‬اﻟﺘﺄﻣﻴﻦ واﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ ﺗﺘﻢ ﺧﻼل أول ‪ 90‬ﻳﻮﻣŽ(‬ ‫اﻟﺮاﺗﺐ‪/‬ﻫﺪﻳﺔ‬

‫‪ (1‬ﺑﻄﺎﻗﺔ ﻫﻮﻳﺔ إﻣﺎرﺗﻴﺔ ﺳﺎرﻳﺔ‬ ‫ﺣﺴﺎب ﺟﺎري أو ﺣﺴﺎب ﺗﻮﻓﻴﺮ‬ ‫ﺑﻄﺎﻗﺔ ﻫﻮﻳﺔ إﻣﺎراﺗﻴﺔ‬ ‫اﻟﺤﺪ ا•دﻧﻰ ﻟﻠﺮاﺗﺐ‬
‫‪ (2‬ﻳﺠﺐ ﺷﺮاء ‪ 3‬ﺷﻬﺎدات‬ ‫ﻧﺸﻂ ﻣﻊ ﺑﻨﻚ اﻟﻤﺸﺮق‬ ‫ﺳﺎرﻳﺔ‪ ،‬ﺟﻮاز ﺳﻔﺮ‬ ‫‪ 5,000‬درﻫﻢ أو ﺣﺠﻢ‬
‫ﻋﻠﻰ ا•ﻗﻞ ﻓﻲ اﻟﻤﺮة ا•وﻟﻰ‬ ‫ا•ﻋﻤﺎل اﻟﺴﻨﻮي ﺑﻘﻴﻤﺔ‬ ‫ﺑﻄﺎﻗﺔ ﻫﻮﻳﺔ إﻣﺎراﺗﻴﺔ ﺳﺎرﻳﺔ‪ ،‬ﺟﻮاز ﺳﻔﺮ وﺗﺄﺷﻴﺮة إﻗﺎﻣﺔ‬ ‫اﻟﻤﺘﻄﻠﺒﺎت اﺳﺎﺳﻴﺔ اﻟﺰاﻣﻴﺔ‬
‫وﺗﺄﺷﻴﺮة إﻗﺎﻣﺔ‬
‫‪ 60,000‬درﻫﻢ‬

‫رﺳﻮم اﻟﺤﺪ ادﻧﻰ ﻟﻠﺮﺻﻴﺪ‬

‫‪ 25‬درﻫﻢ ‪ +‬ﺿﺮﻳﺒﺔ‬ ‫ﻻ ﻳﻮﺟﺪ رﺳﻮم دون‬ ‫)ﻓﻲ ﺣﺎﻟﺔ ﻋﺪم ﺗﻮﻓﺮ اﻟﺤﺪ ا•دﻧﻰ ﻣﻦ‬
‫ﻻ ﻳﻮﺟﺪ رﺳﻮم دون اﻟﺤﺪ ا•دﻧﻰ ﻟﻠﺮﺻﻴﺪ‬ ‫‪ 10‬درﻫﻢ ‪ +‬ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ ﺷﻬﺮﻳŽ‬
‫اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ ﺷﻬﺮﻳŽ‬ ‫اﻟﺤﺪ ا•دﻧﻰ ﻟﻠﺮﺻﻴﺪ‬ ‫اﻟﺮﺻﻴﺪ اﻟﻤﻄﻠﻮب أو ﻋﺪم اﺳﺘﻴﻔﺎء‬
‫ﻧﻔﻘﺎت ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ‪/‬ﻋﺪم ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ(‬

‫ﺣﺘﻰ ‪ %1‬ﺳﻨﻮﻳŽ‬ ‫‪ %0.25‬ﺳﻨﻮﻳŽ‬

‫ﻻ ﻳﻨﻄﺒﻖ‬
‫‪%‬‬

‫)ﻟﻠﻌﻤﻠﺔ ا‪³‬ﻣﺎراﺗﻴﺔ ﻓﻘﻂ(‬

‫‪%‬‬

‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ﺳﻌﺮ اﻟﻔﺎﺋﺪة‬

‫)ﺑﺎﻟﻌﻤﻠﺔ ا‪³‬ﻣﺎراﺗﻴﺔ ﻓﻘﻂ(‬

‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ﺷﻬﺮﻳŽ‬ ‫ُﻳﻌﺘﻤﺪ ﻛﻞ ‪ 6‬أﺷﻬﺮ‬ ‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫دﻓﻊ اﻟﻔﺎﺋﺪة‬

‫ﻗﻤﻴﺔ اﻟﺸﺮاء ‪ 35‬درﻫﻢ‪+ /‬‬

‫ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ ﻟﻜﻞ‬ ‫ُﻳﺮﺟﻰ زﻳﺎرة ‪ mashreqneo.com/soc‬ﻟﻠﻤﺰﻳﺪ ﻣﻦ اﻟﺘﻔﺎﺻﻴﻞ وﻣﻌﺮﻓﺔ اﻟﺮﺳﻮم‬ ‫اﻟﺮﺳﻮم واﻟﺘﻜﺎﻟﻴﻒ‬
‫ﻣﻌﺎﻣﻠﺔ ﺷﺮاء‬

‫ُﻳﺮﺟﻰ اﻟﺮﺟﻮع إﻟﻰ‪:‬‬ ‫ُﻳﺮﺟﻰ اﻟﺮﺟﻮع إﻟﻰ‬

‫ُﻳﺮﺟﻰ اﻟﺮﺟﻮع إﻟﻰ‪:‬‬
‫‪mashreq.com/mmtncen‬‬ ‫‪mashreqneo.com/‬‬ ‫‪mashreqneo.com/‬‬ ‫ُﻳﺮﺟﻰ اﻟﺮﺟﻮع إﻟﻰ ‪mashreqneo.com/current‬‬ ‫اﻟﺸﺮوط واﺣﻜﺎم‬
‫‪maxtnc‬‬ ‫‪savings‬‬

‫‪ (1‬ﻣﺘﺎح ﺑﺎﻟﻌﻤﻠﺔ ا‪³‬ﻣﺎراﺗﻴﺔ ﻓﻘﻂ‬ ‫ﻣﺘﺎح ﺑﺎﻟﺪرﻫﻢ ا‪³‬ﻣﺎراﺗﻲ‬ ‫ﻏﻴﺮ ﻣﺴﻤﻮح ﻟﻐﻴﺮ اﻟﻤﻘﻴﻤﻴﻦ ﻓﻲ دوﻟﺔ ا‪³‬ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‪ .‬ﺑﺎ‪³‬ﺿﺎﻓﺔ إﻟﻰ ذﻟﻚ‪ ،‬ﻻ ُﻳﺴﻤﺢ‬
‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫‪ُ (2‬ﻳﺴﻤﺢ ﺑﻤﻌﺎﻣﻠﺔ ﺧﺼﻢ واﺣﺪة‬ ‫ﻓﻘﻂ‬ ‫ﺑﺎﻟﺠﻨﺴﻴﺎت اﻟﺘﻲ ﺗﻨﺪرج ﺗﺤﺖ ﻓﺌﺔ ﺟﻲ‪.(G3) 3‬‬ ‫اﻟﻘﻴﻮد‬
‫ﻓﻘﻂ ﺷﻬﺮﻳŽ دون أي ﺧﺴﺎرة ﻓﻲ‬
‫اﻟﻔﺎﺋﺪة‪.‬‬

‫ُﻳﺴﻤﺢ ﺑـ)دﻓﺘﺮ اﻟﺸﻴﻜﺎت ا•ول ﻣﺠﺎﻧŽ‪ 1 ،‬درﻫﻢ ﻟﻜﻞ ورﻗﺔ ﻟﻠﻄﻠﺒﺎت‬

‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫دﻓﺘﺮ اﻟﺸﻴﻜﺎت‬
‫اﻟﻤﺴﺘﻘﺒﻠﻴﺔ(‬

‫ﺑﻴﻦ ‪ 180-0‬ﻳﻮم ﻣﻦ ﻓﺘﺢ اﻟﺤﺴﺎب ‪ُ -‬ﻳﺴﻤﺢ ب‪ 2‬دﻓﺘﺮ ﺷﻴﻜﺎت ﺑﺤﺪ‬ ‫ﻋﺪد أوراق دﻓﺘﺮ اﻟﺸﻴﻜﺎت اﻟﺘﻲ ﺗﻢ إﺻﺪارﻫﺎ‬
‫أﻗﺼﻰ )‪ 10‬ورﻗﺎت ﻟﻜﻞ دﻓﺘﺮ(‬ ‫ﻣﻠﺤﻮﻇﺔ‪ :‬ﻳﻌﺘﻤﺪ إﺻﺪار أوراق اﻟﺸﻴﻜﺎت ﻋﻠﻰ‬
‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫إرﺷﺎدات اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي‬
‫ﺑﻴﻦ ‪ 365-181‬ﻳﻮﻣŽ ﻣﻦ ﻓﺘﺢ اﻟﺤﺴﺎب ‪ُ -‬ﻳﺴﻤﺢ ﺑـ ‪ 3‬دﻓﺎﺗﺮ ﺷﻴﻜﺎت ﺑﺤﺪ‬
‫أﻗﺼﻰ )‪ 10‬أوراق ﻟﻜﻞ دﻓﺘﺮ(‬ ‫ﻓﻲ ا‪³‬ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬

‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ﻣﺴﻤﻮح‬ ‫ﻣﺴﻤﻮح‬ ‫ﻣﺴﻤﻮح‬ ‫ﻣﺴﻤﻮح‬ ‫ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ )ﻓﻴﺰا(‬

‫ﺳﺤﺐ‪ :‬ﺣﺘﻰ ‪ 20,000‬درﻫﻢ ‪ /‬ﻋﺪد اﻟﻤﻌﺎﻣﻼت‪20 :‬‬ ‫ﺣﺪود اﻟﺴﺤﺐ اﻟﻴﻮﻣﻲ‬

‫ﻻ ﻳﻨﻄﺒﻖ‬
‫ﺷﺮاء‪ :‬ﺣﺘﻰ ‪ 99,999‬درﻫﻢ ‪ /‬ﻋﺪد اﻟﻤﻌﺎﻣﻼت‪99 :‬‬ ‫ﻟﺒﻄﺎﻗﺔ اﻟﺨﺼﻢ‬
‫ﻋﻨﺪ ﺿﻴﺎع‪ ،‬ﺳﺮﻗﺔ‪ ،‬اﻻﺣﺘﻴﺎل ﻋﻠﻰ‪،‬‬
‫ﻻ ﻳﻨﻄﺒﻖ‬ ‫ُﻳﺮﺟﻰ إﺑﻼغ اﻟﺒﻨﻚ ﻓﻮر‪ Æ‬ﻋﺒﺮ اﻻﺗﺼﺎل ﻋﻠﻰ ‪+97144246666‬‬ ‫أو ﺳﻮء اﺳﺘﺨﺪام اﻟﺤﺴﺎب‬
‫و‪/‬أو ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ‬
‫اﻟﺼﺮاف‪/‬ﻣﻌﺎﻣﻼت ﻓﺮع ﻣﺼﺮﻓﻴﺔ‬
‫ﻳﻤﻜﻦ اﺳﺘﺮداد ﻗﻴﻤﺔ‬ ‫@ ﺗﺸﻴﺮ ﻣﻌﺎﻣﻠﺔ اﻟﺼﺮاف ‪ /‬اﻟﻤﻌﺎﻣﻼت اﻟﻔﺮﻋﻴﺔ‬
‫ﺷﻬﺎدة اﻟﻤﺸﺮق ﻣﻠﻴﻮﻧﻴﺮ‬ ‫ﻟﻴﺲ ﻣﺴﻤﻮﺣŽ ﺑﻤﻌﺎﻣﻼت اﻟﺼﺮاف‬ ‫إﻟﻰ ﻣﻌﺎﻣﻠﺔ ﺗﻤﺖ ﻓﻲ ﻓﺮع اﻟﺒﻨﻚ‪ .‬ﻻ ﻳﺸﻤﻞ ذﻟﻚ‬
‫ﻋﺒﺮ ﺗﻄﺒﻴﻖ اﻟﻤﺸﺮق ﻧﻴﻮ‬ ‫اﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ ﺗﺘﻢ ﻋﻠﻰ أﺟﻬﺰة اﻟﺼﺮاف ا‪È‬ﻟﻲ‪/‬‬
‫أﺟﻬﺰة ا‪³‬ﻳﺪاع اﻟﻨﻘﺪي واﻟﺸﻴﻜﺎت‬

‫رﺳﻮم ﺑﻘﻴﻤﺔ ‪ 25‬درﻫﻢ ‪+‬‬

‫ﺿﺮﻳﺒﺔ اﻟﻘﻴﻤﺔ اﻟﻤﻀﺎﻓﺔ )ﻟﻜﻞ‬
‫ﺷﻬﺎدة( ﻣﻄﺒﻘﺔ ﻋﻠﻰ ا‪³‬ﻟﻐﺎء‬ ‫ﻻ ﻳﻮﺟﺪ رﺳﻮم‬ ‫ﺗﻜﺎﻟﻴﻒ إﻏﻼق اﻟﺤﺴﺎب‬
‫ﺧﻼل ‪ 90‬ﻳﻮﻣŽ ﻣﻦ اﻟﺸﺮاء‬

‫ﻳﺘﻢ إرﺳﺎل ﻛﺸﻒ اﻟﺤﺴﺎب ا‪³‬ﻟﻜﺘﺮوﻧﻲ ﻟﻠﻌﻼﻗﺎت اﻟﻤﺎﻟﻴﺔ اﻟﻤﻮﺣﺪة اﻟﺸﻬﺮﻳﺔ ﻋﻠﻰ ﻋﻨﻮان اﻟﺒﺮﻳﺪ ا‪³‬ﻟﻜﺘﺮوﻧﻲ اﻟﻤﺴﺠﻞ ﻟﺪى اﻟﺒﻨﻚ‪.‬‬
‫ﺑﻴﺎﻧﺎت اﻟﻤﻌﺎﻣﻼت‬
‫ﻟﻌﺮض ﻣﻌﺎﻣﻼت اﻟﺤﺴﺎب‪ ،‬ﻳﻤﻜﻨﻚ أﻳﻀŽ ﺗﺴﺠﻴﻞ اﻟﺪﺧﻮل إﻟﻰ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ ﻋﺒﺮ ا‪³‬ﻧﺘﺮﻧﺖ ‪ /‬ﻋﺒﺮ اﻟﻬﺎﺗﻒ اﻟﻤﺘﺤﺮك‪.‬‬

‫اﻟﻤﺸﺮق ﻧﻴﻮ ﺟﺰء ﻣﻦ ﺑﻨﻚ اﻟﻤﺸﺮق ش‪.‬م‪.‬ع وﻫﻮ ﻣﺮﺧﺺ وﻳﺨﻀﻊ ﻟﺮﻗﺎﺑﺔ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﻟﺪوﻟﺔ ا‪³‬ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬
 ‫ﺑﻴﺎن اﻟﻤﻌﻠﻮﻣﺎت اﻟﺮﺋﻴﺴﻴﺔ ﻟﺤﺴﺎب اﻟﻤﺸﺮق ﻧﻴﻮ‬
‫ﺷﺮوط وأﺣﻜﺎم ﻫﺎﻣﺔ‪:‬‬
‫ﺗﻌﺜﺒﺮ ﻣﻮاﻓﻘﺔ اﻟﻌﻤﻴﻞ ﺧﻼل رﺣﻠﺔ ﺗﻘﺪﻳﻢ ﻃﻠﺐ ﻟﻔﺘﺢ ﺣﺴﺎب ﺟﺪﻳﺪ ﺑﻤﺜﺎﺑﺔ ﻗﺒﻮل ﻟﺠﻤﻴﻊ اﻟﺒﻨﻮد واﻟﺸﺮوط ﻣﻦ ﻗﺒﻞ اﻟﻌﻤﻴﻞ‪ ،‬واﻟﺘﻲ ﻗﺪ ﻳﺘﻢ ﺗﻌﺪﻳﻠﻬﺎ ﻣﻦ وﻗﺖ ‪È‬ﺧﺮ‪ ،‬ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل‬
‫ﻻ اﻟﺤﺼﺮ اﻟﺸﺮوط وا•ﺣﻜﺎم اﻟﻤﺘﺎﺣﺔ ﻋﻠﻰ ‪mashreqneo.com/tnc‬‬

‫ﺗﻌﻮﻳﺾ اﻟﺠﺰاءات‪:‬‬ ‫اﻟﺘﻮﻗﻴﻊ‬

‫ﻟﻄﺎﻟﻤﺎ ﻧﺠﺢ اﻟﺒﻨﻚ ﻓﻲ إدارة أﻋﻤﺎﻟﻪ ﺑﻄﺮﻳﻘﺔ ﻣﺘﻮاﻓﻘﺔ ﻣﻊ اﻟﻘﺎﻧﻮن‪ .‬ﻳﻠﺘﺰم اﻟﺒﻨﻚ‪ ،‬ﺑﻤﺎ ﻓﻲ ذﻟﻚ‬ ‫ﻳﺸﻜﻞ ﺗﻮﻗﻴﻊ اﻟﻌﻤﻴﻞ ﻋﻠﻰ ﻧﻤﻮذج اﻟﻤﻮاﻓﻘﺔ اﻟﺮﻗﻤﻲ ﻟŒﻟﺘﺤﺎق ﺑﺎﻟﻤﺸﺮق ﻧﻴﻮ ﻣﻮاﻓﻘﺔ ﻣﻦ‬
‫ﺟﻤﻴﻊ ﻓﺮوﻋﻪ اﻟﻤﺤﻠﻴﺔ وا•ﺟﻨﺒﻴﺔ‪ ،‬ﺑﻀﻤﺎن اﻻﻣﺘﺜﺎل اﻟﻜﺎﻣﻞ ﻟﻠﻘﻮاﻧﻴﻦ واﻟﻠﻮاﺋﺢ وﻣﺘﻄﻠﺒﺎت‬ ‫اﻟﻌﻤﻴﻞ ﻋﻠﻰ ﻛﻞ اﻟﺸﺮوط و ا•ﺣﻜﺎم‪ ،‬واﻟﺘﻲ ﻳﺘﻢ ﺗﻌﺪﻳﻠﻬﺎ ﻣﻦ وﻗﺖ ‪È‬ﺧﺮ‪.‬‬
‫اﻟﻌﻘﻮﺑﺎت اﻟﻤﻌﻤﻮل ﺑﻬﺎ ﻓﻲ ﺟﻤﻴﻊ اﻟﺴﻠﻄﺎت اﻟﻘﻀﺎﺋﻴﺔ‪ .‬ﻳﺘﻮﻗﻊ اﻟﺒﻨﻚ أن ﻳﻠﺘﺰم ﻋﻤﻼﺋﻪ أﻳﻀŽ‬
‫ﺑﻨﻔﺲ اﻟﺒﻨﻮد‪.‬‬

‫• ﻻ ﻳﻨﺨﺮط اﻟﺒﻨﻚ ﻓﻲ أي ﻣﻌﺎﻣﻼت‪ ،‬ﺑﻐﺾ اﻟﻨﻈﺮ ﻋﻦ اﻟﻌﻤﻠﺔ‪ ،‬ﻣﻊ أو ﺗﺘﻌﻠﻖ ﺑﺴﻮرﻳﺎ أو اﻟﻘﺮم‬
‫أو ﻛﻮﺑﺎ أو إﻳﺮان أو ﻛﻮرﻳﺎ اﻟﺸﻤﺎﻟﻴﺔ‪.‬‬ ‫ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ‬
‫• ﻻ ﻳﺪﺧﻞ اﻟﺒﻨﻚ ﻓﻲ ﻣﻌﺎﻣﻼت ﺑﺎﻟﺪوﻻر ا•ﻣﺮﻳﻜﻲ ﻣﻊ اﻟﺴﻮدان )اﻟﺸﻤﺎل(‪ .‬ﻋﻠﻰ ﻫﺬا اﻟﻨﺤﻮ‪ ،‬ﻣﻦ‬
‫اﻟﻤﺘﻮﻗﻊ أﻻ ﻳﻘﻮم اﻟﻌﻤﻼء ﺑﺈﺟﺮاء أي ﻣﻌﺎﻣﻠﺔ ﺑﺎﻟﺪوﻻر ا•ﻣﺮﻳﻜﻲ ﺗﺘﻌﻠﻖ ﺑﻬﺬه اﻟﺪوﻟﺔ‪ .‬ﻛﻤﺎ‬
‫ُﻳﻨﺼﺢ أﻳﻀŽ ﺑﻌﺪم ﺗﺤﻮﻳﻞ ﻋﺎﺋﺪات أي ﻣﻦ ﻫﺬه اﻟﻤﻌﺎﻣﻼت اﻟﻤﺴﺘﻠﻤﺔ ﺑﺄي ﻋﻤﻠﺔ أﺧﺮى ﺑﺎﻟﺪوﻻر‬ ‫ﻳﻘﺪم اﻟﻤﺸﺮق ﻧﻴﻮ ﺧﺪﻣﺔ اﻟﺤﺴﺎب اﻟﺠﺎري اﻟﺮﻗﻤﻲ وﺣﺴﺎب اﻟﺘﻮﻓﻴﺮ‪ .‬ﻳﺘﻢ إﺻﺪار ﺑﻄﺎﻗﺔ‬
‫ا•ﻣﺮﻳﻜﻲ وﺗﻮﺟﻴﻬﻬﺎ ﻋﺒﺮ اﻟﺒﻨﻚ‪.‬‬ ‫اﻟﺨﺼﻢ ﺑﺸﻜﻞ اﺧﺘﻴﺎري ﻣﻊ اﻟﺤﺴﺎب اﻟﺮﻗﻤﻲ )ﺣﻴﺜﻤﺎ ﻳﻨﻄﺒﻖ ذﻟﻚ( ﻟﻠﺴﻤﺎح ﺑﺎﻟﻮﺻﻮل إﻟﻰ‬
‫• ﻻ ﻳﺴﻤﺢ اﻟﺒﻨﻚ ﺑﺄي ﻣﻌﺎﻣﻠﺔ ﻣﻊ ا•ﺷﺨﺎص أو اﻟﻜﻴﺎﻧﺎت أو اﻟﻔﺮوع اﻟﻤﺤﺪدة ﻛﺄﻫﺪاف ﻟﻠﻌﻘﻮﺑﺎت‬ ‫ا•ﻣﻮال ﺑﻌﺪ ﻓﺘﺢ اﻟﺤﺴﺎب‪.‬‬
‫ﻣﻦ ﻗﺒﻞ اﻟﻤﻨﻈﻤﻴﻦ اﻟﻤﺤﻠﻴﻴﻦ واﻟﺪوﻟﻴﻴﻦ‪.‬‬
‫• ﻻ ﻳﺸﺎرك اﻟﺒﻨﻚ ﻓﻲ ﻣﻌﺎﻣﻼت )ﺑﻤﺎ ﻓﻲ ذﻟﻚ اﻟﻮاردات أو اﻟﺼﺎدرات( ﺗﺘﻀﻤﻦ ﻣﻨﺘﺠﺎت ذات‬
‫اﺳﺘﺨﺪام ﻣﺰدوج ﻳﻤﻜﻦ اﺳﺘﺨﺪاﻣﻬﺎ •ﻏﺮاض ﻫﺠﻮﻣﻴﺔ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل اﻟﻤﻮاد اﻟﺘﻲ‬
‫ﻳﻤﻜﻦ اﺳﺘﺨﺪاﻣﻬﺎ ﻓﻲ اﻻﻧﺘﺸﺎر اﻟﻨﻮوي وا•ﺳﻠﺤﺔ واﻟﺬﺧﺎﺋﺮ وﻣﺎ إﻟﻰ ذﻟﻚ‪.‬‬ ‫ﺗﺤﺪﻳﺚ اﻟﻤﺴﺘﻨﺪات‬
‫• ﻳﻘﺪم اﻟﺒﻨﻚ ﺑﻤﻮﺟﺐ ﺳﻴﺎﺳﺘﻪ ﺧﺪﻣﺎت ﻣﺼﺮﻓﻴﺔ ﺣﺼﺮﻳﺔ •ﺻﺤﺎب ﺣﺴﺎﺑﺎﺗﻪ ﻣﻦ ﻋﻤﻼء‬
‫اﻟﺒﻨﻚ‪ .‬ﻟﺬﻟﻚ ُﻳﻨﺼﺢ اﻟﻌﻤﻼء ﺑﻌﺪم إﺟﺮاء ﻣﻌﺎﻣﻼت ﻓﻲ ﺣﺴﺎﺑﻬﻢ )ﺣﺴﺎﺑﺎﺗﻬﻢ( ﻧﻴﺎﺑﺔ ﻋﻦ‬ ‫ﻳﺠﺐ ﻋﻠﻰ اﻟﻌﻤﻴﻞ إﺑﻼغ اﻟﺒﻨﻚ ﻓﻲ ﺟﻤﻴﻊ ا•وﻗﺎت ﺑﺄي ﺗﻐﻴﻴﺮ ‪ /‬ﺗﻌﺪﻳﻞ ﻓﻲ ﺑﻴﺎﻧﺎت اﻟﺘﻮاﺻﻞ‬
‫ﻃﺮف )أﻃﺮاف( أﺧﺮى‪.‬‬ ‫وﺣﺎﻟﺔ ا‪³‬ﻗﺎﻣﺔ واﻟﺘﺄﺷﻴﺮة وﺑﻴﺎﻧﺎت اﻟﻬﻮﻳﺔ ا‪³‬ﻣﺎراﺗﻴﺔ وﺑﻴﺎﻧﺎت ﺻﺎﺣﺐ اﻟﻌﻤﻞ ﻋﻦ ﻃﺮﻳﻖ )‪ (1‬زﻳﺎرة‬
‫‪ /‬اﻻﺗﺼﺎل ﺑﺄﻗﺮب ﻓﺮع ﻟﻠﻤﺸﺮق‪ (2) ،‬ﺗﺴﺠﻴﻞ اﻟﺪﺧﻮل ﻟﻠﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ ﻋﺒﺮ ا‪³‬ﻧﺘﺮﻧﺖ‬
‫ﺗﻤﺎﺷﻴŽ ﻣﻊ ﺳﻴﺎﺳﺎت اﻟﺒﻨﻚ اﻟﻤﻌﺘﻤﺪة واﻟﺘﺰاﻣﺎت اﻻﻣﺘﺜﺎل اﻟﺘﻨﻈﻴﻤﻲ اﻟﺨﺎﺻﺔ ﺑﻪ‪ ،‬ﻟﻦ ﻳﻜﻮن‬ ‫وﺗﺤﺪﻳﺚ ﺗﻔﺎﺻﻴﻞ اﻟﻌﻤﻴﻞ أو )‪ (3‬اﻻﺗﺼﺎل ﺑﻤﺮﻛﺰ اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ اﻟﻤﺒﺎﺷﺮة‪ .‬ﻓﻲ ﺣﺎﻟﺔ‬
‫اﻟﺒﻨﻚ ﻗﺎدر‪ Æ‬ﻋﻠﻰ ﺧﺪﻣﺔ اﻟﻌﻤﻼء اﻟﺬﻳﻦ ﻻ ﻳﻠﺘﺰﻣﻮن ﺑﺎﻟﻤﺘﻄﻠﺒﺎت اﻟﺴﺎﺑﻘﺔ‪.‬‬ ‫ﻋﺪم ﺗﻘﺪﻳﻢ اﻟﻤﻌﻠﻮﻣﺎت اﻟﻤﺤﺪﺛﺔ أو اﻟﻤﺴﺘﻨﺪات ذات اﻟﺼﻠﺔ‪ ،‬ﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﺑﺎﻟﺤﻖ ﻓﻲ‬
‫ﺣﻈﺮ ﺣﺴﺎب )ﺣﺴﺎﺑﺎت( اﻟﻌﻤﻴﻞ ﺣﺘﻰ ﻳﺘﻢ ﺗﻮﻓﻴﺮ اﻟﻤﻌﻠﻮﻣﺎت أو اﻟﻤﺴﺘﻨﺪات اﻟﻤﺤﺪﺛﺔ‪.‬‬

‫اﻟﺴﺮﻳﺔ وا•ﻣﺎن‬
‫ﺳﻴﺎﺳﺔ اﻟﺸﻴﻜﺎت اﻟﻤﺮﺗﺠﻌﺔ وﺗﻘﺎرﻳﺮ اﻟﺒﻨﻚ اﻟﻤﺮﻛﺰي‬
‫ﻳﺤﺘﻔﻆ اﻟﺒﻨﻚ ﺑﺴﻴﺎﺳﺎت ﺻﺎرﻣﺔ وﺿﻮاﺑﻂ أﻣﻨﻴﺔ ﻟﻀﻤﺎن ﺣﻤﺎﻳﺔ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ ﻓﻲ‬
‫أﻧﻈﻤﺔ وﺿﻮاﺑﻂ اﻟﺒﻨﻚ‪ُ .‬ﻳﺴﻤﺢ ﻟﻤﻮﻇﻔﻲ اﻟﺒﻨﻚ واﻟﻤﺘﻌﺎﻗﺪﻳﻦ ﻣﻌﻪ ﻓﻘﻂ ﺑﺎﻟﻮﺻﻮل إﻟﻰ‬ ‫إذا ﻛﺎن ﻳﺠﺐ إﻋﺎدة اﻟﺸﻴﻚ )اﻟﺸﻴﻜﺎت( اﻟﺼﺎدرة ﻋﻦ اﻟﻌﻤﻴﻞ ﻏﻴﺮ ﻣﺪﻓﻮﻋﺔ ﺑﺴﺒﺐ ﻋﺪم‬
‫ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ اﻟﺘﻲ ﻗﺪ ﻳﺤﺘﺎﺟﻮﻧﻬﺎ •داء وﻇﺎﺋﻔﻬﻢ وﻟﺘﻘﺪﻳﻢ اﻟﺨﺪﻣﺎت ﻟﻠﻌﻤﻴﻞ‪.‬‬ ‫ﻛﻔﺎﻳﺔ ا•ﻣﻮال‪ ،‬ﻳﺠﻮز ﻟﻠﺒﻨﻚ إﻏﻼق اﻟﺤﺴﺎب وﻓﻘŽ ﻟﻠﻘﻮاﻧﻴﻦ واﻟﻠﻮاﺋﺢ اﻟﻤﻌﻤﻮل ﺑﻬﺎ ﻓﻲ دوﻟﺔ‬
‫ﻳﻤﻜﻦ ﻟﻤﻮﻇﻔﻴﻨﺎ وﻣﻘﺎوﻟﻴﻨﺎ اﻟﻮﺻﻮل إﻟﻰ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ ﻋﻨﺪ اﻟﻀﺮورة ‪³‬ﺟﺮاء ﻣﻌﺎﻣﻠﺔ أو‬ ‫ا‪³‬ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‪ .‬ﻓﻲ ﻣﺜﻞ ﻫﺬه اﻟﺤﺎﻟﺔ ﻳﺠﺐ ﻋﻠﻰ اﻟﻌﻤﻴﻞ إﻋﺎدة دﻓﺎﺗﺮ اﻟﺸﻴﻜﺎت‬
‫اﻟﺮد ﻋﻠﻰ اﺳﺘﻔﺴﺎراﺗﻪ‪ .‬ﻳﺘﻌﻴﻦ ﻋﻠﻰ ﺟﻤﻴﻊ ﻣﻮﻇﻔﻲ وﻣﺘﻌﺎﻗﺪي اﻟﺒﻨﻚ اﺣﺘﺮام ﺧﺼﻮﺻﻴﺔ‬ ‫اﻟﻤﺘﻌﻠﻘﺔ ﺑﺎﻟﺤﺴﺎب إﻟﻰ اﻟﺒﻨﻚ‪ .‬ﻗﺪ ﻳﻜﻮن اﻟﺒﻨﻚ ﻣﻠﺰﻣŽ ﺑﺎ‪³‬ﺑﻼغ ﻋﻦ اﻟﺘﻔﺎﺻﻴﻞ اﻟﺨﺎﺻﺔ ﺑﻪ ‪/‬‬
‫اﻟﻌﻤﻴﻞ‪ .‬ﻟﻐﺎﻳﺔ ا‪³‬ﻃﻼع ﻋﻠﻰ ﺳﻴﺎﺳﺔ ﺧﺼﻮﺻﻴﺔ ﺑﻴﺎﻧﺎت اﻟﻤﺸﺮق‪،‬‬ ‫ﺑﻬﺎ و ‪ /‬أو ﺗﻔﺎﺻﻴﻞ اﻟﺤﺴﺎب ﻣﻊ اﻟﺸﻴﻜﺎت اﻟﻤﺮﺗﺠﻌﺔ إﻟﻰ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﻟﺪوﻟﺔ ا‪³‬ﻣﺎرات‬
‫ﺗﻔﻀﻞ ﺑﺰﻳﺎرة ‪mashreq.com/privacy‬‬ ‫اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة واﻟﺴﻠﻄﺎت ا•ﺧﺮى ذات اﻟﺼﻠﺔ‪.‬‬

‫اﻟﻔﻮاﺋﺪ واﻟﺮﺳﻮم واﻟﻤﺒﺎﻟﻎ ا•ﺧﺮى‬

‫ﺣﻖ ا‪³‬ﻟﻐﺎء‪:‬‬ ‫ﻳﺠﻮز ﻟﻠﺒﻨﻚ ﻓﺮض ﻓﺎﺋﺪة ﻋﻠﻰ أي رﺻﻴﺪ ﻣﺪﻳﻦ ﺑﺴﻌﺮ اﻟﻔﺎﺋﺪة اﻟﺴﺎﺋﺪ ﻟﺪى اﻟﺒﻨﻚ اﻟﺬي ﻳﺘﻢ‬
‫إﺧﻄﺎر اﻟﻌﻤﻴﻞ ﺑﻪ ﻣﻦ وﻗﺖ ‪È‬ﺧﺮ‪ .‬ﻳﺠﻮز ﻟﻠﺒﻨﻚ ﺗﻌﺪﻳﻞ أﺳﻌﺎر اﻟﻔﺎﺋﺪة واﻟﺮﺳﻮم ﻣﻦ وﻗﺖ ‪È‬ﺧﺮ‬
‫ﺗﻤﺎﺷﻴŽ ﻣﻊ ﻣﻌﺎﻳﻴﺮ ﺣﻤﺎﻳﺔ اﻟﻤﺴﺘﻬﻠﻚ اﻟﺼﺎدرة ﻋﻦ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﻓﻲ ا‪³‬ﻣﺎرات اﻟﻌﺮﺑﻴﺔ‬ ‫ﻋﻨﺪ ﺗﻘﺪﻳﻢ إﺷﻌﺎر ﺧﻄﻲ ﻣﺴﺒﻖ ﺑﻬﺬا اﻟﺘﻐﻴﻴﺮ أو اﻟﺘﻐﻴﻴﺮات‪.‬‬
‫اﻟﻤﺘﺤﺪة وﻓﻘŽ ﻟﻼﺋﺤﺔ ﺣﻤﺎﻳﺔ اﻟﻤﺴﺘﻬﻠﻚ )ﺗﻌﻤﻴﻢ رﻗﻢ ‪ ،(8- 2020‬ﺳﻴﺘﻢ إﺑﻼﻏﻚ ﺑﻤﻮﺟﺐ‬
‫ﻫﺬا ﺑﺄﻧﻪ ﻳﺤﻖ ﻟﻚ ﺳﺤﺐ أو إﻟﻐﺎء ﻃﻠﺐ ﻓﺘﺢ ﺣﺴﺎب ا•ﻋﻤﺎل اﻟﺨﺎص ﺑﻚ ﻓﻲ ﻏﻀﻮن ‪ 5‬أﻳﺎم‬
‫ﻋﻤﻞ ﻣﻦ ﺗﺎرﻳﺦ اﻟﺘﻮﻗﻴﻊ )"ﻓﺘﺮة اﻟﺴﻤﺎح"(‪ .‬ﻓﻲ ﻳﻮم اﻟﻌﻤﻞ اﻟﺴﺎدس )أو ﺑﻌﺪ ﻳﻮم واﺣﺪ ﻣﻦ‬
‫اﻧﺘﻬﺎء ﻓﺘﺮة اﻟﺴﻤﺎح(‪ ،‬ﻳﺠﺐ ﻋﻠﻴﻚ إﺑﻼغ اﻟﺒﻨﻚ ﺑﻘﺮارك ﺑﺈﻟﻐﺎء أو ﺳﺤﺐ ﻃﻠﺐ ﻓﺘﺢ ﺣﺴﺎب‬
‫ا•ﻋﻤﺎل وإﻻ ﺳﻨﺴﺘﻤﺮ ﻓﻲ ﺗﻨﻔﻴﺬ ا‪³‬ﺟﺮاءات واﻟﺘﻲ ﺗُﻌﺘﺒﺮ ﻣﺆﻛﺪة ﻣﻦ ﻃﺮﻓﻚ‪.‬‬
‫ﺳﻴﻘﻮم اﻟﺒﻨﻚ‪ ،‬ﺧﻼل ﻓﺘﺮة اﻟﺴﻤﺎح‪ ،‬ﺑﺘﺰوﻳﺪك ﺑﺈﻣﻜﺎﻧﻴﺔ اﻟﻮﺻﻮل إﻟﻰ ﺣﺴﺎب ا•ﻋﻤﺎل اﻟﺨﺎص‬ ‫ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ‪:‬‬
‫ﺑﻚ واﻟﺨﺪﻣﺎت ا•ﺧﺮى ذات اﻟﺼﻠﺔ ﺑﺎﻟﺤﺴﺎب‪ ،‬وذﻟﻚ وﻓﻘŽ ‪³‬ﺟﺮاءات ﺳﻴﺎﺳﺔ "اﻋﺮف ﻋﻤﻴﻠﻚ"‬
‫وإﺟﺮاءات اﻻﻣﺘﺜﺎل اﻟﺨﺎﺻﺔ ﺑﺎﻟﺒﻨﻚ‪.‬‬ ‫ﺑﻴﻨﻤﺎ ﻳﺒﺬل اﻟﺒﻨﻚ ﻗﺼﺎرى ﺟﻬﺪه ﻟﻠﺘﻌﺎﻣﻞ ﻣﻊ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ ﻋﻠﻰ أﻧﻬﺎ ﺳﺮﻳﺔ ﻟﻠﻐﺎﻳﺔ‪،‬‬
‫إذا اﺧﺘﺮت اﻟﺘﻨﺎزل ﻋﻦ ﺣﻘﻚ ﻓﻲ ﻓﺘﺮة اﻟﺴﻤﺎح‪ ،‬ﻓﻴﺠﺐ ﻋﻠﻴﻚ ﺗﺄﻛﻴﺪ أو إﺧﻄﺎر ﻫﺬه اﻟﻨﻴﺔ‬ ‫ﻳﻘﺮ اﻟﻌﻤﻴﻞ وﻳﻮاﻓﻖ ﻋﻠﻰ ﻗﻴﺎم اﻟﺒﻨﻚ ﺑﺎ‪³‬ﻓﺼﺎح ﻋﻦ ﻣﻌﻠﻮﻣﺎت اﻟﻌﻤﻴﻞ أو ﻣﺸﺎرﻛﺘﻬﺎ ﻓﻴﻤﺎ‬
‫ﻟﻠﺒﻨﻚ ﻛﺘﺎﺑﺔ‪ .‬وﺗﺠﺪر ا‪³‬ﺷﺎرة إﻟﻰ أﻧﻪ إذا اﺧﺘﺮت إﻟﻐﺎء أو ﺳﺤﺐ ﻃﻠﺐ ﻓﺘﺢ ﺣﺴﺎب ا•ﻋﻤﺎل‬ ‫ﺑﻴﻦ‪:‬‬
‫ﺧﻼل ﻓﺘﺮة اﻟﺴﻤﺎح‪ ،‬ﻓﺴﺘﻜﻮن ﻣﺴﺆوﻻً ﻋﻦ دﻓﻊ ﺟﻤﻴﻊ اﻟﺘﻜﺎﻟﻴﻒ واﻟﺮﺳﻮم اﻟﺘﻲ ﻗﺪ ﺗﻜﻮن‬ ‫)أ( ﻓﺮوع اﻟﺒﻨﻚ وﺷﺮﻛﺎﺗﻪ اﻟﻔﺮﻋﻴﺔ وﻣﻜﺎﺗﺒﻪ اﻟﺘﻤﺜﻴﻠﻴﺔ واﻟﺸﺮﻛﺎت اﻟﺘﺎﺑﻌﺔ و ‪ /‬أو وﻛﻼء‬
‫ﺗﻜﺒﺪﺗﻬﺎ ﻓﻴﻤﺎ ﻳﺘﻌﻠﻖ ﺑﺄي أو ﺟﻤﻴﻊ اﻟﻤﻌﺎﻣﻼت اﻟﺘﻲ أﺟﺮﻳﺖ ﻓﻲ ﺣﺴﺎب ا•ﻋﻤﺎل اﻟﺨﺎص ﺑﻚ‬ ‫اﻟﺒﻨﻚ؛‬
‫ﺧﻼل ﻓﺘﺮة اﻟﺴﻤﺎح وﻗﺒﻞ إﻟﻐﺎء ﺣﺴﺎﺑﻚ‪.‬‬ ‫)ب( ا•ﻃﺮاف اﻟﺜﺎﻟﺜﺔ اﻟﺘﻲ ﻳﺨﺘﺎرﻫﺎ اﻟﺒﻨﻚ و ‪ /‬أو أي ﺷﺨﺺ ﻣﺬﻛﻮر ﻓﻲ )أ( أﻋﻼه‪ ،‬أﻳﻨﻤﺎ ﻛﺎن‬
‫ﻣﻮﻗﻌﻬﺎ‪ ،‬ﻟﻼﺳﺘﺨﺪام اﻟﺴﺮي ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﻋﻠﻰ ﺳﺒﻴﻞ اﻟﻤﺜﺎل ﻻ اﻟﺤﺼﺮ‪ ،‬أي ﻣﻌﺎﻟﺠﺔ ﺑﻴﺎﻧﺎت‪،‬‬
‫وأﻏﺮاض إﺣﺼﺎﺋﻴﺔ وﺗﺤﻠﻴﻞ ﻣﺨﺎﻃﺮ؛ أو‬
‫)ت( أي ﻣﺤﻜﻤﺔ ﻣﺨﺘﺼﺔ أو ﺟﻬﺔ ﺗﻨﻈﻴﻤﻴﺔ أو ﺳﻠﻄﺔ وﻓﻘŽ •ي ﻗﺎﻧﻮن أو ﻻﺋﺤﺔ أو إﺟﺮاء‬
‫ﻗﺎﻧﻮﻧﻲ ذي ﺻﻠﺔ ﻳﺨﻀﻊ ﻟﻪ اﻟﺒﻨﻚ )ﺑﻤﺎ ﻓﻲ ذﻟﻚ أي ﻣﻦ ﻓﺮوﻋﻪ أو ﻣﻜﺎﺗﺐ ﺗﻤﺜﻴﻠﻪ أو‬
‫اﻟﺸﺮﻛﺎت اﻟﺘﺎﺑﻌﺔ ﻟﻪ و ‪ /‬أو وﻛﻼﺋﻪ(‪.‬‬

‫ﻣﺮاﺟﻌﺔ اﻟﺸﺮوط وا•ﺣﻜﺎم‬

‫إﻟﻰ اﻟﺤﺪ اﻟﺬي ﺗﺴﻤﺢ ﺑﻪ اﻟﻘﻮاﻧﻴﻦ اﻟﻤﻌﻤﻮل ﺑﻬﺎ‪ ،‬ﻳﺠﻮز ﻟﻠﻤﺸﺮق ﺗﻌﺪﻳﻞ أو اﺳﺘﺒﺪال أو‬ ‫إﻏﻼق اﻟﺤﺴﺎب‬
‫اﺳﺘﻜﻤﺎل أو ﺣﺬف أي ﺷﺮوط وأﺣﻜﺎم ﻓﻲ أي وﻗﺖ وﻓﻘŽ ﻟﺘﻘﺪﻳﺮه اﻟﺨﺎص‪ .‬إذا ﻛﺎﻧﺖ ﻫﻨﺎك أي‬
‫ﺗﻐﻴﻴﺮات ﻣﻘﺼﻮدة ﻋﻠﻰ اﻟﺸﺮوط وا•ﺣﻜﺎم أو ﻋﻠﻰ أي ﻣﻦ اﻟﻤﺰاﻳﺎ اﻟﻤﺤﺪدة‪ ،‬ﻓﺴﻴﻘﻮم‬ ‫أ( ﻳﺠﻮز ﻟﻠﺒﻨﻚ ﻓﻲ أي وﻗﺖ وﻓﻘŽ ﻟﺘﻘﺪﻳﺮه اﻟﺨﺎص وﻗﺮاره‪ ،‬ﺑﻌﺪ إرﺳﺎل إﺷﻌﺎر إﻏﻼق اﻟﺤﺴﺎب‪،‬‬
‫اﻟﺒﻨﻚ ﺑﺈﻋﻄﺎء اﻟﻌﻤﻴﻞ إﺷﻌﺎر‪ Æ‬ﻟﻤﺪة ‪ 60‬ﻳﻮﻣŽ ﻗﺒﻞ أن ﺗﺴﺮي ﻫﺬه اﻟﺘﻐﻴﻴﺮات ﻣﻦ ﺧﻼل‬ ‫إﻏﻼق اﻟﺤﺴﺎب )اﻟﺤﺴﺎﺑﺎت( اﻟﻤﻌﻨﻴﺔ‪ .‬ﻓﻲ ﺣﺎﻟﺔ إﻏﻼق اﻟﺤﺴﺎب )اﻟﺤﺴﺎﺑﺎت( •ي ﺳﺒﺐ ﻣﻦ‬
‫ﻣﻮﻗﻊ اﻟﻤﺸﺮق ا‪³‬ﻟﻜﺘﺮوﻧﻲ )‪(Mashreqneo.com‬و ‪ /‬أو ﻋﺒﺮ اﻟﺒﺮﻳﺪ ا‪³‬ﻟﻜﺘﺮوﻧﻲ و ‪ /‬أو ﻣﻦ‬ ‫ا•ﺳﺒﺎب‪ ،‬ﻳﻮاﻓﻖ اﻟﻌﻤﻴﻞ ﻋﻠﻰ أن اﻟﺮﺻﻴﺪ اﻟﻤﺘﺒﻘﻲ ﻓﻲ اﻟﺤﺴﺎب )اﻟﺤﺴﺎﺑﺎت(‪ ،‬إن وﺟﺪ‪،‬‬
‫ﺧﻼل أي وﺳﻴﻠﺔ اﺗﺼﺎل أﺧﺮى ﻳﺮاﻫﺎ اﻟﺒﻨﻚ ﻣﻨﺎﺳﺒﺔ‪.‬‬ ‫ﻳﻤﻜﻦ ﺻﺮﻓﻪ أو رده إﻟﻰ اﻟﻌﻤﻴﻞ ﻣﻦ ﻗﺒﻞ اﻟﺒﻨﻚ ﺑﺎﻟﺪرﻫﻢ ا‪³‬ﻣﺎراﺗﻲ‪ ،‬ﺑﻌﺪ ﺧﺼﻢ أي رﺳﻮم‬
‫وﺗﻜﺎﻟﻴﻒ ﻣﻄﺒﻘﺔ )ﺑﻤﺎ ﻓﻲ ذﻟﻚ ﺗﻜﻠﻔﺔ ﺗﺤﻮﻳﻞ اﻟﻌﻤﻼت ا•ﺟﻨﺒﻴﺔ(‪.‬‬
‫ب( ﺳﻴﻐﻠﻖ اﻟﺒﻨﻚ ﺣﺴﺎب )ﺣﺴﺎﺑﺎت( اﻟﻌﻤﻴﻞ إذا ﻟﻢ ﺗﻜﻦ ﻫﻨﺎك أﻣﻮال ﻓﻲ اﻟﺤﺴﺎب‬
‫)اﻟﺤﺴﺎﺑﺎت( ﻟﻤﺪة ‪ 180‬ﻳﻮﻣŽ ﺗﻘﻮﻳﻤﻴŽ‪.‬‬
‫اﻟﻤﺸﺮق ﻧﻴﻮ ﺟﺰء ﻣﻦ ﺑﻨﻚ اﻟﻤﺸﺮق ش‪.‬م‪.‬ع وﻫﻮ ﻣﺮﺧﺺ وﻳﺨﻀﻊ ﻟﺮﻗﺎﺑﺔ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي‬
‫ﻟﺪوﻟﺔ ا‪³‬ﻣﺎرات اﻟﻌﺮﺑﻴﺔ اﻟﻤﺘﺤﺪة‬