Electronic Banking

Cards

Account Holder Card (cham ATM Card)

It is your primary banking card designed to grant you immediate and secure access to your banking accounts at the bank. The card enables you to perform your cash withdrawals, track your account movements, and manage them electronically around the clock with complete ease and comfort.

Key Features

Cash withdrawal at any time: The possibility of cash withdrawal around the clock and from any ATM within the territory of the Syrian Arab Republic.

Comprehensive self-services: You can inquire about your current balance, change your PIN code, in addition to printing a mini-statement showing the last 10 movements on your account wherever you are.

Management of multiple accounts: The card allows you to link more than one current account (in Syrian Pounds) to the same card, with the flexibility of immediate transfer between the linked accounts via the bank's ATMs.

Exemption from bank operation commissions: All your cash transactions (withdrawal) and non-cash transactions (inquiry and account statement) are completely free when using the bank's ATM network.

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Trust Card Normal

Card Definition

It is a credit tool by lending and a payment tool (Charge Card) that allows you to purchase permissible goods and services via Point of Sale (POS) devices belonging to Cham Bank and other banks linked to the electronic payment network, or via the electronic payment gateway (Cham Pay) within a specified credit ceiling.

Advantages of the Trust Normal Card

0% profit rate: Benefit from the granted financial ceiling in full without any additional returns or profits incurred by you.

Without late payment penalties: No additional amounts or late interest are imposed on the outstanding amounts.

Flexibility of partial use: In case you do not utilize the full ceiling during the month, you can benefit from the remaining part during the 15 days following the end of the month.

Total safety in payment and withdrawal: The card grants you fast access to electronic purchases and cash withdrawals from your accounts in credit at the bank.

Possibility of installments: The bank allows the feature of paying the withdrawals incurred on the card in installments using the "Qard Hasan" (Benevolent Loan) formula, after study and management approval.

Extended validity: The card is valid for 3 full calendar years, and is automatically renewable based on a simplified credit study of the extent of your commitment.

Parameters and Ceilings of the Normal Card

Credit ceiling: Starts from 5,000 Syrian Pounds and reaches up to 99,999 Syrian Pounds as a maximum.

Validity period: 3 calendar years.

Target Groups

Low-income individuals and employees wishing to cover their periodic expenses.

Employees of private and public banks, insurance companies, and telecommunications companies.

Customers wishing to experience electronic payment with flexible and easy ceilings.

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Trust Card Gold

Card Definition

It is a credit tool by lending and a payment tool (Charge Card) that allows you to purchase permissible goods and services via Point of Sale (POS) devices belonging to Cham Bank and other banks linked to the electronic payment network, or via the electronic payment gateway (Cham Pay) within a specified credit ceiling.

Advantages of the Trust Gold Card

Distinctive purchasing power: It grants you medium and flexible financial ceilings that suit your lifestyle and increasing obligations.

0% profit rate: Benefit from the granted financial ceiling in full without any additional returns or profits incurred by you.

Without late payment penalties: No additional amounts or late interest are imposed on the outstanding amounts.

Flexibility of partial use: In case you do not utilize the full ceiling during the month, you can benefit from the remaining part during the 15 days following the end of the month.

Total safety in payment and withdrawal: The card grants you fast access to electronic purchases and cash withdrawals from your accounts in credit at the bank.

Possibility of installments: The bank allows the feature of paying the withdrawals incurred on the card in installments using the "Qard Hasan" (Benevolent Loan) formula, after study and management approval.

Extended validity: The card is valid for 3 full calendar years, and is automatically renewable based on a simplified credit study of the extent of your commitment.

Parameters and Ceilings of the Gold Card

Credit ceiling: Starts from 100,000 Syrian Pounds and reaches up to 500,000 Syrian Pounds as a maximum.

Validity period: 3 calendar years.

Target Groups

The segment of depositors and active account holders at Cham Bank.

Members of professional syndicates (doctors, engineers, pharmacists, lawyers... etc.).

Employees of international organizations and large companies looking for medium and guaranteed financing ceilings.

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Trust Card VIP

Card Definition

It is a credit tool by lending and a tool that allows you to purchase permissible goods and services via Point of Sale (POS) devices belonging to Cham Bank and other banks linked to the electronic payment network, or via the electronic payment gateway (Cham Pay) within a specified credit ceiling.

Advantages of the Trust VIP Card

Exceptional financial ceilings: It grants the elite and businessmen maximum financial flexibility and high financing ceilings that meet their major transactions and expenses.

0% profit rate: Despite the high ceilings, the bank is committed to offering the product as a "Qard Hasan" (Benevolent Loan) without any commercial profits or returns.

Without late payment penalties: No additional amounts or late interest are imposed on the outstanding amounts.

Possibility of installments: The bank allows the feature of paying the withdrawals incurred on the card in installments using the "Qard Hasan" (Benevolent Loan) formula, after study and management approval.

Total safety in payment and withdrawal: The card grants you fast access to electronic purchases and cash withdrawals from your accounts in credit at the bank.

Extended validity: The card is valid for 3 full calendar years, and is automatically renewable based on a simplified credit study of the extent of your commitment.

Parameters and Ceilings of the VIP Card

Credit ceiling: Starts from 500,001 Syrian Pounds and reaches up to 2,500,000 Syrian Pounds as a maximum.

Validity period: 3 calendar years.

Target Groups

Businessmen and owners of large and medium companies with an excellent credit reputation and a long-standing history.

Senior investors and holders of huge deposits and strategic investment accounts at Cham Bank.

Senior professionals and executive directors in international organizations and major corporations.

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Virtual Card

Coming Soon

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Digital Channels

Najmaty Application

The Cham Bank mobile application: reach your account anytime and anywhere, check your balances, and transfer money between your accounts and to other accounts within Cham Bank, in Arabic and English.

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Internet Banking "Cham Online"

An electronic banking service that lets you reach your accounts from your smartphone or the bank's website: check balances, view statements for the period you choose, see exchange rates, and transfer money within Cham Bank.

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SMS Service

An electronic banking service that enables the bank's customers to instantly and directly view any banking transaction carried out on any of their accounts, through text messages sent directly to the mobile number they specified in advance.

Service Features

Immediate notification to the customer upon the occurrence of any movement on the account.

Immediate notification when depositing / withdrawing a specific amount into/from the customer's account.

Immediate notification when withdrawing a specific amount from an ATM belonging to Cham Bank.

Immediate notification when the salary is transferred, for customers subscribed to the salary domiciliation service.

Immediate notification when the customer receives an incoming remittance.

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Auto Cash Self-Deposit

Service Definition

It is an electronic payment and deposit service that allows Cham Bank customers to fund their bank accounts and deposit cash amounts directly and autonomously without the need to visit an employee. This is done by feeding the cash into the counting unit of the designated self-deposit machine after verifying the account data, national ID number, and the associated mobile number.

Key Features of Self-Deposit

Speed and autonomy: It enables the customer to complete the deposit process by themselves and instantly through automated steps on the screen.

Security and digital verification: The machine guarantees data matching by displaying a full screen with the customer's name, number, and account for verification before payment.

High capacity: The designated deposit slot allows placing up to 500 paper notes in a single transaction from the cash denominations of the new print.

Flexibility and documentation: The possibility of keeping the transaction number to request an official notification receipt for it later from any Cham Bank branch.

Immediate reflection: The deposit amount is reflected directly in the banking system of the customer's account as soon as the transaction is confirmed and completed.

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Call Center

Cham Bank Call Center is the immediate and secure channel to accomplish a wide package of banking and inquiry services over the phone without the need to visit the branches. The center provides full support to customers through the following operations:

Comprehensive and immediate inquiry: Providing you with information related to accounts and deposits, in addition to inquiring about all types of personal, commercial, and building materials financing.

Issuance and management of electronic payment cards

Automated management of accounts and deposits

Check services and transactions

Service Features

Safety first: All operations are subject to strict and reliable verification procedures of the customer's identity over the phone before providing any information or executing any financial movement.

Direct linking: Transferring complex requests or specialized inquiries immediately to the concerned departments and following up with the customer until the case is closed and their request is met.

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Electronic Payments

QR Code

Transfer Syrian pounds free of charge between Cham Bank customers, individuals and companies, simply by pointing your phone's camera at a QR code, with no need to visit a branch.

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POS Payments

This service enables you to use your Cham Bank ATM card to purchase or pay at any of the points of sale spread across all parts of Syria, where POS locations are available in many shops and commercial centers. A secure and easy service that spares you from carrying cash at all times and in any place, and helps you shop from any of the widespread commercial stores and pay by swiping your bank card. You can view the list of approved points of sale by visiting the Cham Bank website www.chambank.sy

Features

Easy and secure, and no need to carry cash.

A daily payment ceiling that meets all your requirements.

A wide network of points of sale.

The Cham Bank ATM card can be used at the widespread points of sale belonging to Fatora Company.

An alert via text messages arrives immediately upon every payment process.

How to Use

When visiting any store and purchasing any of its products, give your ATM card to the merchant, and they will swipe this card on the POS device.

The merchant will enter the due amount to be paid.

You are required to enter the four-digit PIN of your ATM card to complete the payment process.

Request the payment notification receipt from the merchant.

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Electronic Payment Gateway

An electronic payment gateway that lets shops and websites accept their customers' payments online, securely.

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Pay Me Electronic Payments

Service Definition

It is an electronic payment service that enables Cham Bank customers to pay funds to each other using the Cham Mobile application via a credit card or a debit card, in order to settle the value of purchases between the customer and the merchant through the electronic payment gateway without the need for a website or an application on the merchant's side.

Features

Ease of dealing and providing a service for merchants who sell goods and products online.

Increasing the merchant's sales by executing customer operations without coming to the bank.

High degrees of security and reliability, as data communications from the gateway are always encrypted.

Payment Methods

Via bank cards, where bank cards are available at Cham Bank that enable their holder to shop and purchase from the internet directly and quickly without the need for a website of their own or an application for the merchant.

Types of Cards Accepted via ChamPAY_Me Service

Debit Cards and Credit Cards issued by Cham Bank.

Local cards issued by other banks and linked to the Fatora electronic payment network.

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Charity Donations

Donate easily to a number of approved charities through Cham Bank's channels, and see the list of charities the service covers.

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Telecom Bill Domiciliation

Definition of Telecom Bill Domiciliation Service

It is a comfortable and secure electronic banking service that allows you to pay your cellular line bills automatically and directly from your bank account as soon as they are issued, without the need to visit the customer service centers belonging to the cellular companies MTN & Syriatel.

Service Features

Complete peace of mind

Saving time and effort

Paying family bills

Immediate notifications with transparency

Full flexibility

Protecting your lines from disconnection

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