CHAM BANK product and service
Accounts and deposits, finance for individuals and companies, and electronic banking, all compliant with Islamic Sharia. Pick a category or search for the product you need.
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Retail Banking
Current, savings and investment accounts and deposits in Sharia-compliant formats, for your everyday needs and your savings goals.
Deposit profit rates
Accounts
7
Current accounts
Unlimited transactions, with an ATM card and a cheque book.
Domiciled salary accounts
An account that receives your salary domiciled with the bank.
Investment savings accounts
Semi-annual profits and two withdrawals a month; also open to minors through their guardians.
Mustaqbali account
A savings account to plan for your future.
Al-Asra'a electronic account
An electronic account to manage your money quickly and easily.
Bedayati account
An account for your first step with the bank.
Guarantor account
Ask your nearest branch for its terms and details.
Deposits
4
Term investment deposits
Mudaraba deposits for terms from 1 to 24 months, from SYP 1,000,000.
Fursa Wakala deposits
A Syrian pound Wakala deposit with profits of up to 10%.
Aman deposit
One year, renewable, with monthly profits and a free takaful policy.
Ataa deposit
Ask your nearest branch for its features and terms.
Personal Banking
Services that ease your everyday banking, from payments and transfers to deposits, and Murabaha and Musawama finance for your personal needs.
Everyday services
9
Telecom bill domiciliation
Domicile your MTN and Syriatel bills on your account with the bank.
Instant Call
Reach the bank quickly whenever you need.
Cham Express
Ask your nearest branch about the service and its terms.
Instant money transfers
In cooperation with the Al Haram and Al Fouad transfer companies.
Najmetna La Andak mobile branch
A branch on wheels that brings the bank's services closer to you.
Auto Cash self-deposit
Deposit cash into your account by yourself.
Safe deposit boxes
Safe keeping for your valuables and important documents.
Internal bank transfers
Money transfers between bank accounts.
Salary domiciliation
Have your salary paid into your CHAM BANK account.
Personal Murabaha finance
8
Real estate finance
12 to 60 months, with a 35% down payment, or 25% for domiciled salaries.
Finishing and building materials
Instalment finance for finishing and building materials.
Car finance
Murabaha finance to buy your car.
Campaign Al Ghali Bitqassatlak
Furniture, home appliances, mobile phones and finishing materials in instalments.
Travel and education Ijara
Ijara finance for travel and education costs.
Medical services
Finance for the cost of medical services.
Goods finance
Murabaha finance for consumer goods.
Pre-approval
Know your finance limit before you buy.
Corporate Banking
Sharia-compliant finance for the industrial, commercial and services sectors, and trade services: letters of credit, guarantees and collections.
Corporate finance
Corporate Murabaha finance
4
Goods finance
Murabaha finance for the goods and materials your business needs.
Real estate finance
Finance for company property and business premises.
Services Ijara
Ijara finance for the services sector.
Campaign Grow Your Business
SME Murabaha from SYP 50 to 250 million, for up to 5 years.
Letters of credit
1Guarantees
1
Bank guarantees
Guarantees that back your company's obligations to others.
Documentary collections
1
Collection bills
Collecting the value of trade documents through the bank.
Electronic Banking
Cards, digital channels and electronic payment tools to manage your money and pay at any time.
Electronic services
Cards
3
Cham ATM card
CHAM BANK's card for cash withdrawals at ATMs.
Trust Card credit card
The first Islamic credit card, repaid in one payment with no interest.
Gift Card
A card to give as a present.
Digital channels
5
Internet banking
Cham Online, to manage your accounts on the web.
SMS banking
Cham Push SMS alerts on your account activity.
Mobile banking
The Najmaty app, for your banking from your phone.
Al-Asra'a electronic account
An electronic account to manage your money quickly and easily.
Mobile branch ATM withdrawals
Cash withdrawals from the ATM of the Najmetna La Andak mobile branch.
Electronic payments
5
QR Code
Free Syrian pound transfers through the Najmaty app.
Point of sale payments
Accept card payments in your store.
Electronic payment gateway
Cham Pay, for online payments.
Charity donations
Donate to approved charities through the bank's channels.
Pay Me electronic payments
The Pay Me payment service in the Najmaty app.
Need help?
Choose the right product for you
The CHAM BANK team is ready to help you choose the account, finance or service that fits your needs.
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