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Terms and Conditions

1. ANB Tawtheeq is enables the customer to obtain the temporary verification code to ensure multi factor authentication while using ANB electronic banking channels.
2. ANB Tawtheeq enables the customer to receive the temporary Login and Transaction Verification code directly through a device or an application installed on customer's mobile
3. ANB Tawtheeq is linked to Customer's Identification File number in the Bank and the customer must not share it with anyone, copy, amend it or connect it with any other customer.
4. The Bank reserves the right to apply in the future fees for the ANB Tawtheeq service as per the prevailing Bank Tariff of Charges. The customer will be notified about such fees 30 working days in advance and if he/she uses the ANB Tawtheeq service, it will be considered as approval on such fees and hereby the customer authorizes the bank to deduct the fees from any of his/her accounts.
5. The Customer must contact the Bank if his/her device (on which ANB Tawtheeq is installed) is lost or if he/she thinks that it could be manipulated by others.
6. ANB Tawtheeq application is protected by a PIN code that is specified by the customer after service activation. The customer must not share this PIN or the authentication codes generated by ANB Tawtheeq Application with others, and should change the PIN if he/she thinks that anyone else might have known the PIN.
7. The Bank will not accept liability in case of customer's negligence or failure to protect his/her ANB Tawtheeq.
8. The Bank will perform financial transactions (Money Transfers, Bills Payments, etc…) which are made through electronic channels after correctly entering the Login details along with a Verification Code generated by ANB Tawtheeq. However, the Bank does not accept liability for entering these details correctly by someone other than the account holder due to customer's negligence to protect the Login details and Verification Code generated by ANB Tawtheeq as it is assumed that the customer understands the importance of protecting his/her own information and not sharing it with others.
9. ANB Tawtheeq and all related devices and Arab National Bank programs are the property of the Bank. As such, these may not be tampered with, copied, manipulated, or passed on to persons who are not authorized by the Bank.
10. The Bank reserves for itself full rights to recover ANB Tawtheeq at any time, without prior advice or notice to the customer where the Bank will notify the customer post fact. Also the Bank may stop the service at any time if it believes that service discontinuation is necessary to protect interests of either the customer or the Bank.
11. ANB Twatheeq allows to activate all types of beneficiaries which have been added through ANB NET.
12. In case of discrepancy between the Arabic text and the English text of this terms and conditions, the Arabic text shall prevail.
13. This terms and conditions is governed by the applicable Saudi Laws . Any disputes between the Bank and the customer shall be submitted to the Banking Disputes Committee.