Bank of Beirut

Personal
  • Personal
    • Loans
    • Cards
    • Special Packages
    • Loyalty Program
    • Small Business Loans
    • Accounts
    • Settle
    • Banking for Good
  • Business
    • Corporate Banking
    • Small Business Loans
    • Investing & Trading
    • Demand Draft
    • Correspondent Banking
    • POS Machine
    • Cards For Corporations
  • DiGi
    • Personal Online Banking
    • Business Online Banking
    • Beirut Port Bill Payment
    • Electronic Payroll Service
    • Western Union Payments
    • Instacash
    • Mobile Banking
    • PAYGATE
    • E-Statement
    • Phone Banking
    • Credit Card Payments
    • Smart Branches and ATMs
    • SMS Alerts
    • Mobile TopUP
    • Tuition Fee Payment

Faq

General

  • How many branches does Bank of Beirut have in Lebanon and Overseas? Are there affiliates and subsidiaries locally and abroad?
  • Bank of Beirut s.a.l. has 65 branches in Lebanon and six branches overseas (Five in Oman and One in Cyprus). Our bank has fully owned subsidiaries in Lebanon as well: Bank of Beirut Invest s.a.l., BOB Finance s.a.l., Beirut Brokers s.a.r.l., and Beirut Life s.a.l. In addition, the Bank has two subsidiaries, one in the United Kingdom, under the name of Bank of Beirut (UK), which has branches in London and Frankfurt, while the other in Australia, under the name of Bank of Sydney Ltd., has a network of 16 branches located across Sydney, Melbourne and Adelaide.

    Bank of Beirut also has representative offices in Dubai – U.A.E., Lagos – Nigeria and Accra – Ghana.

  • What does BoB stand for?
  • BoOB is the abbreviation for Bank of Beirut. We’ve also created our own animated character, named Bob, who gives our followers valuable financial tips.

  • In which year was Bank of Beirut incorporated?
  • Bank of Beirut was incorporated in 1963 under the name of Realty Business Bank s.a.l. The Gefinor Group took control of the Bank in 1970 and renamed it "Bank of Beirut s.a.l.". With the aim of enhancing its market position, Bank of Beirut s.a.l. has made strategic acquisitions: Transorient Bank s.a.l. in June 1999, Beirut Riyad Bank s.a.l. in December 2002 and Laiki Bank (Australia) Ltd in February 2011 which later on changed its name to become Bank of Sydney. 

  • Who is on Bank of Beirut's Board of Directors?
  • Information about our Directors can be found in the Board of Directors section of this website.

  • What is the significance of Bank of Beirut’s logo?
  • The three points of the triangle reflect Bank of Beirut’s core values: authentic, caring and dynamic. It also places Lebanon’s capital, Beirut, in the heart of the environment, society and culture.

    Bank of beirut logo

     

    The logo’s dominant color is blue, as it is a natural, universal color which induces both peace and confidence. 

  • What does the Bank of Beirut brand represent?
  • The Bank of Beirut brand endeavors to keep its customers, both individuals and corporations, moving forward and growing. We aim not only to meet, but also to exceed our customers’ expectations by offering them irreplaceable services within a rapidly growing and highly competitive market. Our brand offers modern banking, with personal care.

  • How can I apply for a position at Bank of Beirut?
  • You need to fill out this application.

General
Annual General Meetings

Annual General Meetings

  • Whom should I contact for additional investor relation questions?
  • Any additional questions can be submitted through the contact us section of this website, by e-mail, or by calling the Investor Relations team at +961 1 985750. 

Digital Banking - ATM / CCDM

  • How can I pay my university tuition fees through the ATM/CCDM?
  • On CCDM:

    You need to perform the following steps:

    • Click on “CARDLESS SERVICES” option.
    • Select University Tuition option.
    • Enter the University Code.
    • Enter the Student ID.
    • Choose Currency.
    • Enter the tuition amount.
    • Deposit the cash money.

    On ATM / CCDM: in case you have an account at Bank of Beirut:

    You need to perform the following steps:

    • Insert your debit card.
    • Enter your PIN code.
    • Select Payments option.
    • Select University Tuition option.
    • Enter the University Code.
    • Choose Currency.
    • Enter the amount.
    • Select the account you want to transfer from.
  • How can I settle my credit card due payment using cash deposit through a Smart ATM?
  • You need to perform the following steps:

    • Insert your credit card.
    • Enter your PIN code.
    • Select Payments option.
    • Select Credit Account and then Credit Card Payment.
    • After confirmation, you deposit your cash money.
  • What should I do if my card was captured by the ATM?
  • For security purposes, in case your card is captured by a Bank of Beirut ATM or by any other Bank's ATM, you must instantly call the Bank of Beirut Contact Center, ask for your card to be blocked and request a new card, if needed.

  • What should I do if I didn't receive my Mobile Recharge Receipt from the ATM?
  • You need to fill in and sign a dispute form at any of Bank of Beirut’s branches. The dispute form will be subject to investigation and adjustment, if confirmed.

  • What should I do if the cash money hasn't been withdrawn from the ATM?
  • You need to fill and sign a dispute form at any of Bank of Beirut’s branches. The dispute form will be subject to investigation and adjustment, if confirmed.

  • How can I recharge a prepaid line mobile card (ALFA/MTC) through the ATM?
  • You need to do the following steps:

    • Insert your debit card.
    • Enter your PIN code.
    • Select Payments and then Mobile Recharge option.
    • Choose ALFA card or MTC.
    • Select the desired denomination.
    • Get the receipt containing the recharge code.
  • How can I change my debit card's PIN code?
  • You need to do the following steps:

    • Insert your debit card.
    • Enter your PIN code.
    • Select PIN code change option.
    • Enter a new PIN code.
    • Re-enter your new PIN code for confirmation.
  • How can I withdraw an InstaCash transfer?
  • You need to perform the following steps to collect an InstaCash transfer only on Bank of Beirut ATMs in Lebanon:

    • Click on “CARDLESS SERVICES” option and then select InstaCash option.
    • Enter the 8 digits Mobile number.
    • Enter the 6 digits Transaction ID received by SMS.
    • Enter the 6 digits Withdrawal Code obtained from the sender.
    • After code’s verification and authentication, the cash amount will be dispensed.
  • How can I transfer money between my own accounts through the ATM?
  • You need to follow the below steps:

    • Insert your debit card.
    • Enter your PIN code.
    • Select Transfer option.
    • Select the currency.
    • Enter the amount to be transferred.
    • Select the account you want to transfer from.
    • Select the account you want to transfer to.
  • Can I deposit LBP cash amounts in my USD account and vice-versa?
  • Yes, a Foreign Exchange transaction will be performed using the predefined exchange rate assigned for ATMs.

  • What is the value date and commission of cash deposit through a Smart ATM?
  • Same Business Day value with no commission.

  • What is the value date and commission of a check deposit through a Smart ATM?
  • Inserted checks, taken under collection, will be treated by the branch on the next working day. Therefore, the value date will be 4 working days for LBP currency and 5 working days for USD currency following the date of deposit, with a commission of USD 2.

  • What should I do before depositing a check in a Smart ATM?
  • You should sign the check from the backside, and confirm that all information is filled correctly.

  • What should I do if the cash money and/or check(s) haven't been deposited in my account?
  • You need to fill and sign a dispute form at any of Bank of Beirut’s branches. The claim will be subject to investigation. Execution will then take place if your claim is validated.

  • How many checks can I deposit in a Smart ATM at a time?
    • You can deposit up to 30 checks at a time (some of the ATMs can accept up to 100 checks at a time. These ATMs are mainly located in Universities).
    • Daily check deposit amount limit: LBP 150,000,000 or c/v in USD.
  • What is the maximum cash amount I can deposit per day through a Smart ATM?
    • A maximum of 45 money notes could be inserted at a time. (Some of the ATMs can accept up to 100 papers at a time. These ATMs are mainly located in Universities)
    • Daily cash deposit limit: LBP 7,500,000 or c/v in USD (with 0 commission and same business day value)
  • How can I deposit cash or check(s) using a Smart ATM?
  • You need to perform the following steps:

    • Insert your debit card in the ATM card reader.
    • Enter your PIN code.
    • Select the Deposit option.
    • Select Cash or Check Deposit.
    • Select the currency.
    • Insert your cash notes or check(s) in the designated reader.
    • Select the account in which you wish to deposit the cash or the check(s).
  • What are the services the Smart ATM provides?
    • Cash Deposit (with 0 commission and same business day value).
    • Check Deposit.
    • Credit card payment via cash deposit.
    • University tuition payment via cash deposit.
    • InstaCash – Receiving funds previously sent through other channels (Online / Mobile Banking).
    • Mobile prepaid cards recharge.
    • Bill payments.
  • How can I find the nearest ATM/CCDM?
  • You can locate any nearest ATM/CCDM by:

    • Visiting the Bank of Beirut Website by Clicking Here.
    • Accessing Digi Mobile Application.
    • Calling Bank of Beirut’s Contact Center on 1262 from Lebanon, or +961 5 955 262 from outside Lebanon.
Digital Banking  - ATM  / CCDM
Digital Banking - Contact Center

Digital Banking - Contact Center

  • Can the Contact Center execute any cash transaction on my behalf?
  • No, you cannot perform any cash transactions through the Contact Center.

  • Can I transfer funds through the Contact Center?
  • No, but our Customer Service representative will guide you through while using any of Bank of Beirut’s Digital Banking services, if requested.

  • How do I submit a complaint?
    • By calling the Contact Center on 1262 if you are residing in Lebanon, or +961 5 955 262 if you are residing outside Lebanon.
    • Using any BoB social media platforms.
    • By sending a direct email to bobdirect@bankofbeirut.com.lb. Please beware of including any sensitive data in the email body, such as your debit / credit / internet card numbers or account numbers etc.
    • Fill out this complaint form.
    • By filling the “Contact-us” form using the Online Banking application.
    • By filling the Complaint Form at any branch and place it in the complaint box.
  • Can I apply for loans through the Contact Center?
  • Yes, you can:

    • By visiting Bank of Beirut’s Website and applying online, and our telesales team will follow up your application until completion. Click here to apply.
    • By visiting any of Bank of Beirut’s Digital Branches.
  • Can I open an account through the Contact Center?
  • Yes, you can:

    • Using the video conferencing feature available at any of BoB Digital Branches
    • Using Digi Onboarding service which may be accessed through Bank of Beirut’s Website, Bank of Beirut’s Facebook Messenger, or the Digi Mobile App.
  • How can I access my Phone Banking / IVR?
  • To access your Phone Banking, dial 1262 if you are residing in Lebanon, or +961 5 955 262 if you are residing outside Lebanon, choose your preferred language (Arabic, English or French) press “2” to access the account menu, and then enter the below information to get authenticated:

    • Your account number (6 digits)
    • Your personal ID (6 digits)
    • Your IVR PIN code (4 digits)
    • Your mobile number (in case you are dialing from a phone number different than the one registered in our system)
  • How can I enroll to Phone Banking / IVR, and what services will I be able to access?
  • To enroll to the Phone Banking service, you can either visit your branch to sign the related application or you can call our Contact Center at 1262 if you are residing in Lebanon, or +961 5 955 262 if you are residing outside Lebanon, where our representatives will help you in the enrolment process and send you the related PIN code via SMS.

    With our Phone Banking service, you’ll be able to:

    • Connect through dialing 1262 or +9615955262 from any landline or mobile, without the need for internet access.
    • Check your account balances.
    • Check the last five transactions.
    • Request a checkbook.
    • Listen to the Currency Exchange Rates & Capital Markets.
    • Locate BoB branches & ATMs and listen to the opening hours.
    • Talk with a Customer Service representative.
  • What communication channels are available to contact the Contact Center?
    • By phone call / fax on 1262 or +961 5 955 262 from any landline or mobile.
    • By email to: bobdirect@bankofbeirut.com.lb
    • By filling the Contact Us form on Bank of Beirut’s Website.
    • By filling the Contact Us form via Online Banking. This requires your username and password.
    • By using the Web Chat feature either from the bank website or the mobile banking application.
    • By initiating a Video Conference Call from any of our Smart Branches.
    • Through any Bank of Beirut’s social and digital media platforms.
  • What services can I receive when contacting the Contact Center?
  • You may receive a wide variety of services when contacting the Contact Center, such as:

    1. Products & Services Inquiry.
    2. E-Banking services enrollment (Online & Mobile Banking).
    3. E-Banking services support & troubleshooting.
    4. Cards maintenance (Activation, blockage, limit management).
    5. Raising a complaint, where you will be provided with a tracking number.
    6. Applying for loans and credit cards.
    7. Account balance and transactions' inquiry.
    8. Account opening via video conference through Smart Branches, or using the Onboarding features via our Digi services.
    9. BoB Finance support for Western Union Services.
  • Is the Contact Center’s call toll free?
  • No, it is not. The adopted cost by the hosting government or roaming fee applies per call.

  • What are the working hours of the Contact Center?
  • Our direct Customer Service representatives are available to support incoming contacts 24/7.

  • What are the Contact Center hotline and phone numbers?
  • You may reach our Contact Center “BoBDirect” on 1262 if you are residing in Lebanon,

    or +961 5 955 262 if you are residing outside Lebanon.

Digital Banking - Smart Branch

  • What are the working hours in Smart Branches?
  • Monday to Saturday:

    From 8:30 a.m. till 2:00 a.m.: Casino du Liban Branch

    From 8:30 a.m. till 7:00 p.m.: Gefinor / Bauchrieh- Mirna El Chalouhi / NDS Hospital Jbeil

    Monday to Friday: From 8:30 a.m. till 5:00 p.m. - Saturday: From 8:30 a.m. till 1:00 p.m.

    • Foch
    • Sin El Fil - Hayek
    • Sin El Fil - Saydeh
    • Becharre
    • Achkout
    • Kfardebian
    • Faraya
    • Feytroun
    • Tripoli - Banks Street
    • Zahle
    • Tannourine
    • Ras Beirut
  • How can I find the nearest Smart branch?
  • You can locate any nearest Smart Branch through:

    • Our Bank of Beirut Website www.bankofbeirut.com
    • Our Digi Mobile Application.
    • Our Contact Center on 1262 if you are residing in Lebanon, or +961 5 955 262 if you are residing outside Lebanon.
  • Which services are available in Smart branches?
  • The services available are:

    • Account Opening.
    • Immediate Deposit card delivery and activation.
    • Debit, credit and charge cards activation.
    • Cash and Check Deposit.
    • Online transfers.
    • InstaCash services.
    • Cash withdrawals.
    • Mobile Recharge.
    • Apply online for personal and car loans.
    • Apply online for a credit card.
    • Balance and transactions inquiry.
    • Bill and University Tuition fee payments.
    • Live Chat and collaboration.
    • Other useful services.
  • What is the Smart Branch?
  • The Smart Branch offers you on-the-go special interactive banking experience and a user-friendly space to perform all your banking transactions anytime, whether day or night.

    It includes one main open space with iPads, earphones, touchscreens, Smart ATM, a scanner and a screen to interact via video conferencing with our Contact Center agents.

Digital Banking  - Smart Branch
Financial Info

Financial Info

  • Can I find out how Bank of Beirut is performing?
  • Quarterly Investor Presentations will be provided giving an overview of the Lebanese banking sector and the performance of our bank compared to its peers, proposed expansion plans and newsworthy events.

  • How do I request Bank of Beirut's annual report?
  • Current and previous annual reports can be downloaded from the website under Annual Reports. If you still require hard copies of the Annual Report, you may request a copy by mail providing your full contact details. 

  • When will the next set of financial results be reported?
  • All upcoming announcements and events are listed on the group news section of this website.

  • Where can I find information on historic ordinary dividends?
  • Please refer to the dividend history section on this website

  • When does Bank of Beirut's fiscal year end?
  • The bank's fiscal year ends on December 31st.

BANK OF BEIRUT SHARES

  • Where are Bank of Beirut shares listed and what is the ticker symbol for its shares?
  • Bank of Beirut shares are listed on the Beirut Stock Exchange (BSE). The ticker symbol for its shares is "BOB.BY". 

  • How many common shares does Bank of Beirut have in issue? How many shares are listed on the Beirut Stock Exchange and available for trading?
  • The total number of common shares (including Priority Shares) issued is 57,946,900 shares as of June 2017 of which 22,508,417 shares are listed on BSE. Please refer to the market data section on our website for more details on securities and trading data.

  • What other types of securities are listed?
  • Other types of listed securities are preferred shares type H, I, J and K. Please refer to the market data section on our website for more details on the securities and trading data. 

  • How can I find updated data for Bank of Beirut shares?
  • Please refer to the market data section of this website. 

  • How can I obtain more information on preferred shares such as redemption dates, dividends rates & dividends dates?
  • You may wish to consult the term sheet available on our website under market data or you can request a copy of the prospectus which is available at your nearest branch.

  • Who is Bank of Beirut's law firm?
  • Soumrani lawyers and legal counsel. 

  • Who is Bank of Beirut's registrar?
  • Midclear s.a.l. 
    Aresco Center,15th Floor,
    Justinien Street, Sanayeh 
    P.O.Box: 11-7971 Beirut - Lebanon 
    Tel: 961 1 749594 

  • Who is Bank of Beirut's independent auditor?
  • Deloitte & Touche 
    Chartered accountants and registered auditors 
    Gefinor Center,
    Suite 101,Clemenceau Street
    P.O.Box 113-5144 Beirut - Lebanon
    Tel: 961 1 748444
    Fax: 961 1 748999
    Email: mewebmaster@deloitte.com


    DFK Fiduciaire du Moyen-Orient
    Sin El Fil - Mkalles,
    Fouad Chehab Boulevard,
    Geahchan bldg., 2nd Floor
    P.O.Box: 110-167 Beirut - Lebanon
    Tel: 961 1 480917 | 723
    Fax: 961 1 496682
    Email: bdofiduc@cyberia.net.lb

BANK OF BEIRUT SHARES
Product & Services

Product & Services

  • What is the difference between Booked Balance and Cleared Balance?
  • Booked Balance shows how much money you have in your account before any adjustments are made in terms of deposits in transit, or checks that have not yet been cleared. On the other hand, the Cleared Balance is the amount of money that can be withdrawn or used in your financial transactions. Until funds are considered as cleared, they are referred to as 'Uncleared' funds, meaning that one or more pending credit transactions have not yet completed the clearing cycle.

  • What do I need to know about the Business Online Banking Token?
  • A token is a small hardware device that the owner carries as an authentication technology that is used to protect network resources.

  • What is the interest rate I will receive at Bank of Beirut?
  • Unfortunately, we cannot disclose such information, as it depends on many factors such as the value of your deposit, its currency, etc. Your Personal Banking Representative (PBR) can provide you with all the necessary information

  • Why is my card not working online?
  • There are five possible reasons:

    • Your card might be expired. In this case, you need to contact your branch and request its replacement.
    • You might have entered the wrong credentials (i.e.: wrong card number, wrong expiry date or wrong CVV).
    • The website you are trying to make your purchase through might not accept cards from the Middle East for security reasons.
    • There may not be enough funds in your card’s account.
    • A connection error may have occurred during the processing of the transaction, please try again later.
  • What are the daily cards limits?
  • As each card differs in terms of features, so do the limits. Please check our wide selection of debit, credit, charge and internet cards by following these links:

    Credit Cards

    Debit Cards

     

  • How can I get a credit card?
  • You can apply

    • Via this link
    • By calling 1262.
    • By visiting one of our 65 branches & smart branches.
  • How does my credit / debit card PIN code work?
  • PIN Codes are there for you to safely conduct transactions at our ATMs and Points of Sale.
    If you are using a Debit Card, you will be asked to enter your PIN code over both ATMs and Points of Sale.
    If you are using a Credit Card, you will be asked to enter your PIN code only at ATMs.

  • How many days does it take for an amount to be internally or externally transferred?
  • If you are transferring money between Bank of Beirut accounts, the transfer is instantly completed. Local wire transfers take up to 4 working days, while international transfers take between 4 and 7 working days. 

  • How can I domiciliate my salary?
  • First, open an account at Bank of Beirut. You may then ask your personal banking representative for the needed documents. 

  • Can I open an account at Bank of Beirut if I am not Lebanese?
  • Yes. We welcome all customers who wish to open an account at our bank. Your file will be sent to the appropriate department for approval and you may be requested to present additional documents. 

  • Can I use the Business Online Banking Token to directly access my online banking accounts?
  • Yes, pressing the copy button on the application will transfer it to the clipboard, which can later be pasted into your mobile browser.

  • When should I settle my credit card payments to avoid extra charges?
  • You should fully settle your VISA payment by the 5th of each month and your MasterCard payment by the 9th in order to avoid extra charges. The minimum monthly payment is equal to 5% of the total amount, or USD 50.

  • Can I get a prepaid card from Bank of Beirut?
  • Due to Banque du Liban regulations, prepaid cards are no longer available at any Lebanese bank. However, you may instead request our SKIP internet debit card

  • What is the cost of a current account?
  • There are many current accounts (e.g.: Checking, University, Wedding, Salary Domiciliation, etc.) and, as a result, the charges differ from one account to another.

  • What is the minimum required amount to open an account?
  • The minimum required amount varies based on the type of account

  • What is the cost of opening an account?
  • You only need to pay LBP 5,000 for the required fiscal stamps. 

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