Looking for something?

It’s super simple. Just download the ila app on your iOS or Android mobile phone. And answer a few quick questions. You’ll need one ID and a selfie and you must be:

- Living in Bahrain, and
- 18 years or above

Once your account is open, you can access it anytime, anywhere through the app.

You will need one piece of ID.

ID documents that you can use:
- Valid Bahraini Identity Card - CPR
- Valid Bahraini Passport (for Bahraini citizens only)

Select the preferred account. Tap on "Statements & Account details" then tap on "Account details". Toggle off the button on "Earn interest on this account"

In most cases, it takes a few minutes to open your ila account. However, you might face some delay depending on the documents you provide or any other missing information that you might need to share with us.

You can easily fund your account in seconds in four different ways:
- Your existing bank debit card
- BenefitPay
- Bank transfer
- Cash or cheque deposit at an ila ATM

You can change the name of any of your accounts by selecting the account and tapping the edit icon next to the account name.

You can change your account names as often as you wish.

You can copy your IBAN by selecting the account and tapping the copy icon next to the IBAN. You can then paste this number where required.

Your account number is the 14 digits after "ABCO" in your IBAN.

In addition to viewing All your transactions, you can now filter them into four categories: Credits, Debits, Pending Payments and Failed Payments. This will enable you to locate transactions with ease.

Select your account and tap on 'All Transactions'. Here you can view the filters available and select the type of transaction according to your needs.

You can view the details and download a PDF of any of the transactions in your account. This can then be shared or printed for your records.

Select your account and the transaction you wish to view the details of. Then, under 'Transaction advice' at the bottom of the screen, tap Print/Share to generate and export in PDF.

Al Kanz is an account which offers customers a chance to win big money prizes.

Every BHD 50 is one chance into the draw. The amount has to be maintained in your Al Kanz account from the last date to deposit through the retention period. For more info, click here.

Last date to deposit is the last date to deposit money in your Al Kanz account and increase the number of chances by adding more balance to your Al Kanz account.

A retention period is the period where you have to maintain the balance in your Al Kanz account. Therefore, the lowest balance during the retention period is what will be considered when calculating your number of chances.

Every BHD 50 is considered as one chance. Therefore, the amount maintained through the retention period is what will considered when calculating chances.

Al Kanz Gifts enables you to send money to anyone so that they can participate in Al Kanz prize draws.

You can send a Al Kanz Gift to ila customers and those who are not yet customers of ila Bank. Customers who are not customers of ila Bank will have to open an account to claim the Gift.

You can send a Al Kanz Gift either from the Al Kanz Tab or select "Al Kanz Gift" under the "Payments" section.

The Al Kanz Gift will be active for 10 days. You have the option to accept or decline the Al Kanz Gift. If you do not take any action within 10 days, the Al Kanz Gift will be returned to the sender.

If you click on the Gift icon in the Al Kanz screen, you will get to see the list of all the gifts you have sent. The lists will be grouped into three groups – Pending, Accepted and Cancelled.

You can swipe left on a name to bring up the option to send a reminder. Please note that you can send up to three reminders.

Yes, you can cancel a Al Kanz Gift by selecting the person and swiping left to bring up the option to cancel your Gift.

Al Kanz Gift will be active for 10 days. You have the option to accept or decline Al Kanz Gift. If you do not take any action within 10 days, Al Kanz Gift will be returned to the sender.

If your Al Kanz Gift is declined or expired, the money will be returned to your account.

Yes, you can withdraw money from your Al Kanz account. However, withdrawals during the retention period will decrease the number of chances you have for winning.

The details of each draw is available on the app and on our website. It also shows the last date to deposit and the retention period. Click here for more information.

Our prize money is in US Dollars. You have the option to receive the prize money in your BHD or USD account, if you have one. For conversion, we will use the exchange rate applicable to your card type (ila Classic or ila Premium).

A Fixed Deposit is a long term saving plan which offers higher interest rate than regular currency accounts and Hassalas. You can save an amount for a period convenient to you to earn a higher interest rate. The interest rate remains unchanged during the term of the deposit.

All ila customers can create a Fixed deposit.

You can create a Fixed Deposit in Bahraini Dinar and US Dollar.

The minimum amount to create a Fixed Deposit in BHD is 1,000 and 2,500 for a Fixed Deposit in USD.

We offer term deposits with tenors starting at one month and up to one year.

You can create as many Fixed Deposits as you wish.

The latest interest rates are always available on our app and on our website. It will be displayed based on the currency, the amount, and the selected period. Please note that the interest rate will vary based on the deposit amount and the selected term for each currency.

The interest on your Fixed Deposit will be credited to your account on maturity or on the date when you withdraw your deposit earlier than its maturity. An early withdrawal will result in a lower interest rate than the contracted rate.

You can easily create a Fixed Deposit from the ila app. On the main screen, Tap on the "Savings" section and tap on "Fixed Deposit". Our instructions will guide you to create a Fixed Deposit easily.

Auto renewal of Fixed Deposit enables you to instruct us to renew your Fixed Deposit on its maturity for the same term at the interest rate applicable on the renewal date. Please note that the interest rate may vary based on market conditions.

You can set your Fixed Deposit to renew automatically using the options available at the time of creating the deposit or later by using the Fixed Deposits setting menu.

You can set your Fixed Deposit to either renew with only the original deposit amount or the original deposit amount with the interest you will earn when your deposit matures. If you chose to renew the original deposit amount only, the interest you will earn will be transferred to your main ila account.

Yes, you can change the automatic renewal settings from the Fixed Deposit settings menu at any time before the maturity of the deposit.

Your Fixed Deposit will continuously auto-renew on the same settings unless you switch off the auto renewal feature from the settings.

You cannot modify the deposit amount on automatic renewal. You can choose to auto renew with the original deposit amount or the maturity amount.

If you need access to your Fixed deposit before its maturity, you can withdraw your deposit using the Early Withdrawal option from the Fixed Deposit settings menu. Please do this only if you are in extreme need of money as on early withdrawal your interest will be calculated at a lower rate and a fee for early withdrawal will also be recovered from your funding account.

On early withdrawal, we will assess the lowest term you have completed and use the rate applicable to that term at the time of creating your deposit. A penal rate will also be deducted from this rate. If you have not completed the lowest term, interest will be paid only at the lowest interest we pay on the respective currency account.

Our schedule of fees and charges will have the latest information on the fees and charges and the penal interest rate on early withdrawal, click here for more information.

Yes, when you select Early Withdrawal option, we will show you the details of the interest and fees so that you are well informed before you confirm the transaction.

Currently, you cannot do partial withdrawal on your Fixed Deposit.

Currently, we do not offer overdraft facility.

The Terms and Conditions for the Fixed Deposit can be found on our website.

Head over to "Cards" section on the ila app, click the "Order Card" button. Make sure that you have at least BHD 50 in your account before you order a card.

A virtual debit card remains in your ila app only and can be used instantly after activation. Your card contains all the details needed for you to perform your online transactions. You can use it on eCommerce transactions, Benefit Gateway and BenefitPay app. Link multiple currencies to your virtual card ensuring that you get the right currency for your online transactions at no cost.

You will get your virtual debit card immediately once your ila account is open.

Contactless feature enables you to make quick, Tap & Go payments up to BHD 50 without entering your PIN at the supported point of sales terminals.

Any contactless transaction above BHD 50 will require your PIN at the supported point of sales terminals.

Contactless transactions on supported ATMs will always require your PIN.

You can use your ila virtual card on eCommerce transactions, Benefit Gateway and BenefitPay app. Enabling you to make online purchases, top-up your wallets, order a taxi or your favorite food delivery without delay.
You can use your ila physical card on all the above along with ATMs in Bahrain, ATMs anywhere in the world that accept Mastercard, point of sale devices (Tap & Go), across Bahrain and worldwide where accepted.

If you’ve temporarily misplaced your card, you can freeze it instantly within the ‘My Cards’ section of the app – then unfreeze it just as easily once you’ve got it back.

If your card has been lost, stolen or damaged, simply select the option to block your card and order a new one, again using the app.

You can easily change your card PIN number on your ila app. Select your card in the Cards menu and select Manage Card PIN. You can also change it through ila ATMs.

Yes, you can select any combination of your names and initials as you want them to appear on your card.

You can have a maximum of 22 characters including spaces.

When you order a new or replacement card you will be given the option to customise your name.

No. Simply go to your cards in the app, click on 'Show Details' then select 'Copy card number'. You can then paste this number for your online transactions.

We will be offering:
• ila Blue
• ila Switch

ila Blue is Mastercard platinum card, with Interest Rate of 1.833% and cashback up to 1%. ila Switch is a Mastercard platinum card for balance transfer, you can transfer your balance from other bank and save with an interest rate of 1.25% on balance transferred amounts and 1.833% on other purchases with up to 1% cashback.

Your statement will be issued every month on the 21st of the month and your payment due date will be 15 days post the statement date.

You will enjoy a preferable monthly interest rate of 1.833% on your ila Blue and 1.25% on the transferred Balance and 1.833% on new transactions with ila Switch.

Yes, the minimum salary to apply for an ila Credit Card is:

Age:

Primary Cardholder - 21 to 59 years old

Minimum monthly salary:

Bahraini (Employed) - BHD 300

Non Bahraini (Employed) - BHD 500

Self Employed & Professionals - BHD 1,000

Length of Service:

Bahrainis - Minimum 3 months

Non Bahraini - 6 months

Yes, you will have to pay a minimum of 5% of the total outstanding balance every month.

You can apply for ila's Credit Cards on the "Cards" section on the ila app.

You will be able to:
- Freeze / unfreeze the card
- Change the PIN
- Set monthly direct debit

And much more!

Upon approval of your application by the bank, you will be able to view the card on the app and should receive a call from the courier within two working days to receive the card.

Once the card is activated upon receiving it by entering the last 4 digits and creating your PIN.

Yes, your Credit Card can be used online, in shops, ATMs, contactless at any merchants that accept Mastercard.

Your credit limit decision is a combination of your monthly salary, our lending criteria, and a satisfactory credit check with the Bahrain Credit Bureau.

Yes, you can add your Credit Card to BenefitPay and use it for QR Payment where accepted.

You can choose to enjoy your Rewards as

1. Gulf Air Falconflyer
2. Turkish Airlines Miles&Smiles
3. Cashback
4. ila Tokens

The Credit Card products have a minimum salary requirement, you will be required to submit supporting documents for credit evaluation. Based on your eligibility, a card will be issued when you apply.

 Click here to view the schedule of fees and charges.

You can choose to pay your dues manually from your ila Bank account or set a monthly direct debit.

Yes, you can choose between full Direct Debit and minimum balance.

You can check your daily transaction through ila app under "Transactions". You will also receive a monthly e-statement on your registered email address and the same will also be available in ila app.

Cashback amount cannot be transferred to any other credit card account and will be automatically credited to your credit card account at the date of issuing your statement.

Your monthly cashback reward will be updated automatically once the transaction is posted and can be viewed under earned this month. The earned this month cashback amount will be automatically credited to your credit card account on the statement issued date.

Yes, accumulated cashback rewards on posted transaction can be viewed through the ila Bank app.

On your Credit Card dashboard, tap on the “Supplementary Card” icon and start your application.

You can issue Supplementary Credit Cards for your spouse, children above 12 years old, parents and siblings.

You will need a valid Bahraini ID (CPR) of the Supplementary Credit Card Holder.

The primary Credit Card holder’s limit will be shared with the Supplementary Credit Card holders. The primary Credit Card holder can control spending limits using the “transaction controls” feature at any time.

Currently the main Credit Card holder limit is shared with the Supplementary Credit Card holder, however you can control the Supplementary Credit Card holder usage using “transaction control” feature on the Supplementary card dashboard

When applying for Supplementary Credit Card, you will have the choice to either receive the OTP or ask the bank to send it to the Supplementary Credit Card holder.

No, Supplementary Credit Cards are issued free of charge.

Yes, on your Supplementary Credit Card dashboard, tap on “Transactions” and view all transactions made by the Supplementary Credit Card holder.

Once the card is issued, the card will be delivered by the courier.

Once the supplementary card is received, the main Credit Card holder can activate the Supplementary Credit Card through ila app by entering the 4 digits of the card and setting up the card PIN.

1- Freeze/Unfreeze the Card
2- Replace the Card
3- Change card PIN
4- Transactional control

1- Valid Bahraini ID card (CPR)

2- Main Credit Card holder mobile number should be updated

3- Maximum of 5 Supplementary Credit Cards is allowed

4- Supplementary Credit Cardholder age should not be below 12 years old

Yes,

Spending controls: The main Credit Card holder can control and set limits for the Supplementary Credit Card holder usage on purchases, ATM Cash withdrawals, Contactless, eCommerce, and can also set a maximum number of transactions per day.

Online transactions: International and spending per day.

Allowed countries: Choose which country/ies can the Supplementary Credit Card holder can use the card in.

Allowed Currencies: Choose which currency/ies the Supplementary Credit Card holder can use.

Allowed Merchants: Choose which merchants can the Supplementary Credit Card holder use the card on. Ex: Airlines, Hotels, Education, Restaurants, etc....

ila Rewards is a flexible rerwards program that offers you various options to be rewarded for your Credit Card transactions. You have the flexibility to choose between Airmiles, Cashback, or ila Tokens. Additionally, you can easily switch between these reward options every month, all within a single app. This allows you to customize your rewards based on your lifestyle and needs.

No, ila Tokens is not crypto currency. ila Tokens is one of the Rewards options ila Credit Card customers can collect to redeem for Airmiles, Cashback or pay for any existing transaction.

You can choose to enjoy your Rewards as:

1. Gulf Air Falconflyer
2. Turkish Airlines Miles&Smiles
3. Cashback
4. ila Tokens

1. Airline Miles - your purchases will automatically be converted into Airline Miles with Gulf Air or Turkish Airlines and credited automatically into your frequent flyer account on the 22nd of each month.

2. Cashback - automatically receive up to 1% cashback of all your purchases which will be credited into your Credit Card on the 22nd of each month.

3. ila Tokens - collect ila Tokens for all your day to day purchases and choose how you would like to spend them to any of the available options.

When enrolled into ila Tokens, you have the flexibility to convert the Tokens you have collected into the following options:

1- Gulf Air Falconflyer
2- Turkish Airlines Miles&Smiles
3- Cashback
4 - Pay with Tokens

You can pay for any BHD transaction took place and posted in the last 30 days with token. The Equivalent amount of token will be debited from your token balance and credit to your credit card account as a rebate.

Yes, you can choose to switch your preferred Rewards option directly through the app. The switch to the new option will take place on the 21st of the following month.

Yes, you can always cancel your request to switch to another rewards option before the 21st.

You can see all your redemption history in the app under, redemption history.

You can collect the rewards based on all your day-to-day transaction, local and international. Expect cash withdrawal, cash advance and Fees and charges.

ila Blue and ila Switch Credit Cards.

Yes, Tokens have a validity of 3 years from collection.

- Tokens to Cashback: 100 Tokens = BHD 1

- Tokens to Airlines Miles: 1 Token = 1 Airlines Mile

- Tokens to Redeem Transaction: 100 Tokens = BHD 1

- ila Tokens converted to Cashback - 3 working days after redemption

- ila Tokens converted to Airline Miles - 3 working days after redemption

- ila Tokens converted to Pay with Tokens - 3 working days after redemption

You need to log in to your Gulf Air Falconflyer account or Miles&Smiles account to view the details.

No, once miles are sent they cannot be reversed.

Once miles are credited into your frequent flyer account, the terms and conditions of the airline membership will apply.

No, Rewards transfer to another account or customer is not available yet.

Yes, you will be collecting the Rewards on your Supplementary spends, however only the Primary cardholder will be able to use the Rewards.

ila Premium allows you to enjoy a range of exclusive benefits, bringing you offers and flexibility to explore places and pursuits that matter to you. The benefits range from exclusive offers on hotels, shops, discount on fees to unlimited access to over 1,000 lounges worldwide including Bahrain International Airport

Kindly refer to the benefits on here.
For more information on the fees and charges for ila premium, click here.

Head over to the "Card" section, choose the world debit card and tap on the "Upgrade" button.

The annual fee for the subscription to ila Premium is BHD 50 + VAT. Make sure that your BHD account has a sufficient balance for the payment of the subscription

No, you can head over directly to the "Cards" section on the ila app, choose the world debit card and tap on the "Upgrade" button.

To be able to upgrade to ila Premium, the classic debit card should be activated

The subscription to ila Premium will be auto renewed annually. Make sure that your BHD account has a sufficient balance for the payment of the subscription to avoid any inconvenience.

Kindly refer to the benefits on here.

The subscription fee will be charged and your card will be issued upon order on the ila app.

Once your world debit card is activated, your old classic debit card will automatically blocked and will no longer appear under the Card's section.

Should you wish to cancel your subscription, a classic debit card will be issued.
The card will be delivered to you via the courier. Once the classic debit card is activated, the old world debit card will be blocked.

The subscription fee must be paid in advance for the year and will not be refunded once cancelled.

When downgrading from world debit card to Classic, you will be given a grade period to activate the classic debit card. Once that period ends, the World Debit Card will be automatically cancelled

The 2nd BHD account is an additional account which can be opened in BHD currency.

All ila Premium customers will be able to open a 2nd BHD account using ila app.

The 2nd BHD account is similar to the Primary BHD account. It has all the features and functionalities of the Primary BHD account.

Yes, you can request for a physical debit card to be issued on the 2nd BHD account. This feature is not available on the app, yet. You will have to call the Contact Center to request for one.

Yes, you can link the physical and virtual debit card issued on the Primary BHD account to the 2nd BHD account. But remember that one only BHD account can be linked to a card at any time.

You can use the 2nd BHD account for all transfers and payments – between accounts, EFTS, transfer via mobile, international transfers, Fawri, Fawri+. You can also use it for payment of dues on credit card. In short, the 2nd BHD account can be used for all services that the Primary BHD account offers.

You will not be able to use the 2nd BHD account as the funding account of a Jamiyah. However, you can use it for making missed Jamiyah contribution.

The ila Prepaid Card is a card that you can top up with any amount you want from your main ila BHD account. It’s a Bahraini denominated Card that you can use to pay online or in stores.

You can easily apply for a Prepaid Card seamlessly and directly from the ila Bank app for yourself, your spouse, your kids and other family members.

Anyone above 7 years old can have a Prepaid card.

You, your spouse, your son or daughter and other family members (Mother or Father).

You can use the Card in stores and for online payments locally or internationally. The Card can also be used anywhere where Mastercard is accepted.

Yes, you will be charged BHD 5.500 to issue a Prepaid Card. However, the Student Prepaid Card will be free of charge for the first 300 customers only.

Yes, the daily spending limit is capped at BHD 2,500.

Yes, you can use the Transaction Control feature under "Credit & Prepaid Cards" on the ila Bank app to control all spends on the Prepaid Cards under your name.

- Control Retail transactions whether POS or eCommerce transactions by setting a monthly limit.

- Disable or set a limit for your monthly ATM cash withdrawals.

- You can disable your contactless payments.

- Enable or disable internet based transactions.

- Setup transactions per day on your card.

The ila Gift Card is a digital gift card that you can purchase straight from the ila Bank app to use yourself or easily gift friends and family members via email.

Most Gift Cards will be received instantly but for some brands it may take up to 3 days to process and receive the Gift Card.

You can pay for the Gift Card only from your default BHD account.

More than 300 local and international brands.

The Gift Card feature, developed in partnership with Prizeout, enables you to purchase Gift Cards with a higher value than what you would get if you went directly to the merchants. You can also share the ‘Gift Card’ with a friend for them to use at their convenience.

You can forward the Gift Card via email by tapping on "Share with a friend".

Yes, but the purchases will be debited from your BHD Account in Bahraini Dinars and the applicable exchange rate will be calculated. The USD Gift cards will have a fixed exchange rate at USD 0.378. The other currencies will be calculated based on the market exchange rates.

A Hassala is a clay pot that was traditionally used in Bahrain for saving money. You can now create your own digital Hassala in the ila app and start saving for the things that matter to you most.

Goal based Hassala will enable you automate payments directly into your Hassala, set goals and schedule payments to your saving pot.

Select the 'Savings' tab on your overview screen and tap on ‘Hassala'. You can open your Hassala in just a few simple clicks!

You can have up to twenty separate Hassalas, 10 regular hassalas and 10 goal based hassalas.

You can start saving right away by adding money to your Hassala's from your account by using the 'Add Money' button on your Hassala

While you create the Goal Hassala, you will be guided as to how to automate your savings. You can set your savings goal and choose a monthly deposit or even the number of months.

A goal based Hassala enables you to set a target, automate payments and track how much of your target you have achieved. A regular Hassala has an open goal.

You can withdraw your money at any time by simply moving the required funds from your Hassala back to your account

Yes, you can. Interest is calculated daily and paid monthly. For the latest interest rates, please click here 

You can switch off the interest when opening Hassala. You can always change the setting should you wish to receive it even after opening the account from the More menu in Hassala.

You can close your Hassala from the More Options menu. You will be asked to transfer the remaining balance to your current account, If the Hassala goal is met, the "Close" option will appear on the main Hassala overview.

You can open Hassalas in all available currencies on the ila app

For the latest interest rates, please click here 

You can add the card using two ways:

1. Through the ila app

Using the ila App to add the card to the wallet using a click of a button and will be redirected to the wallet to accept
T&Cs

2. Through the Wallet app

Open the Wallet app.
Tap the "+" sign in the upper-right corner.
Enter your card's security code to add your Debit or Credit Card affiliated with your iTunes account or select "Add a different card," and use your iPhone camera to scan the card information.
Apple Watch

Open the Apple Watch app on your iPhone.
Tap "Wallet & Apple Pay" and select "Add Credit or Debit Card "
Enter your card's security code to add your Credit or Debit card affiliated with your iTunes account Or, select "Add a different card," and use your iPhone camera to scan the card information.

*For a list of compatible Apple Pay devices, see support.apple.com/km207105  

Add a card to Apple Watch

1. Open the Apple Watch app on your iPhone.

2. Tap My Watch, then tap Wallet & Apple Pay.

3. If you have cards on your other Apple devices, or cards that you recently removed, tap Add next to a card you want to add, then enter the card’s CVV.

4. For any other card, tap Add Card, then follow the onscreen instructions.

Your card issuer may require additional steps to verify your identity.

There is no fees to use Apple Pay service. If you use your card overseas the normal card related fees is applied.

Apple Pay is automatically enabled to all ila cards and you can use any of the methods of adding the card to the
wallet

Apple Pay application is available on iOS devices under the name “Wallet”

You can use ila's Debit and Credit Cards

Pay easily, and securely with Apple Pay.

Paying in stores

Apple Pay is the safer, faster way to pay in stores with your iPhone and Apple Watch. Quickly check out using the devices you carry every day. *
To pay with Face ID, double-click the side button, glance at your screen, then hold iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold Apple Watch up to the reader.

Paying in apps and on websites

Apple Pay is the easier, faster way to pay in apps and on the web because you no longer have to create an account or fill out lengthy forms. *
To pay in apps and on websites in Safari on your iPhone and iPad, select Apple Pay at checkout and complete the payment using Face ID or Touch ID.
To pay on websites in Safari on your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.

The maximum payment limit per transaction is up to your card's limit

Just look out for one of these symbols:

The Apple Pay service is reserved for Apple devices only.

Jamiyah is the digital version of the traditional community saving activity among groups of trusted and known individuals. Each participant pays a monthly contribution, and when it's their turn, they will get the entire saving of that month.

This practice is common in Bahrain, GCC and MENA.

First, you need to be an active customer ila. To start a Jamiyah, head over to the Savings tab in ila app and tap on Jamiyah. Follow the instructions on the screen - set a monthly contribution amount, the number months for which the Jamiyah will run and the start date of the Jamiyah. Then, invite trusted participants to your Jamiyah. Once all your invitees have accepted their invitations, you need to “Lock” your Jamiyah to start it.

The Jamiyah will be deleted if it isn't locked before the start date.

You can select participants from your phone contact list to send invitations. Please talk to the invitees prior to sending the invitation to Jamiyah. You will also need to inform them that you will be sharing their mobile number with ila so that we can send them invitations. Please note that we will mention your mobile number in the invitation so that the recipient can recognize that the invitation is from you. Make sure you are inviting only trusted and known people to your Jamiyah for its successful completion.

The invitations are sent via SMS.

Yes, you can. However, the start date cannot exceed 30 days.

The number of invitations you can send is based on the number of months your Jamiyah will run. You can invite the same customer for two slots in one in the same Jamiyah.

The Jamiyah screen will display the invitee you have invited and if they have accepted your invitation. You can send reminders from ila app to those who have not accepted your invitation.

Select the invitee and swipe left. You will see the option to remind your contact or to delete the invitation.

You can send invitations to people who are not customers of ila. However, to join a Jamiyah, your invitee will have to first open an account with ila.

Select your invitee from the list and swipe left. You will see options to remind and delete. Select delete to remove the invitation.

You can select the wrong invitation from the list of invitees on the Jamiyah screen. Swipe left to select the delete option. The option to delete a participant will be available only upon locking the Jamiya. If the Jamiyah is already locked and if you do not wish to continue, you can choose to delete the Jamiyah.

When you delete an invitation, the slot (month) becomes vacant. You can invite a new participant to that slot.

If your Jamiyah hasn’t yet started, you can delete unaccepted invitations and invite another participant to the empty slot.

The invitations you send out are specific to the person’s mobile number you have invited. A new person cannot join your Jamiyah if your invitation was shared with them. So, always be sure that the people who join your Jamiyah are the ones you have invited.

The admin can only invite a participant to a specific payment slot (month) in the Jamiyah and will be required to assign the order in which they will get paid. The admin can reorder by participants by selecting them and moving it up or down to an empty slot. The position of an invitee who has accepted the invitation cannot be changed.

You can change the order of the payout month of an accepted participant by deleting the participant and select a vacant slot to send the invite again.

The minimum contribution to start a Jamiyah is BHD 10 and the maximum is BHD 500

The minimum number of participants is 2 participants and the maximum number is 12 participants.

A Jamiyah cannot exceed 12 months. Due to this, the maximum number of participants also cannot exceed 12.

You can participate in up to a maximum of 6 Jamiyahs at one time – your participation can be as an admin or as a participant.

To join a Jamiyah, you need to have a valid invitation. You need to also have an account with ila to join. If you are not yet a customer, download our app and complete the account opening process. The invitation to Jamiyah has a validity, so if you receive an invitation and would like to join a Jamiyah, continue to open an account with ila.

Please request the admin to resend your invitation.

You can accept an invitation only from within the ila app. After you login, head over to the Jamiyah section and you will be able to view the list of active invitations. You can choose to accept or decline the invitation.

Please speak with the admin and request for a new invitation.

You can choose not to open the invitation link if you are not a customer of ila. If you are customer of ila, you can decline an invitation from within the ila app.

You can view this information from the Jamiyah section on the ila app. If you are not an ila customer and want to know who the other invitees are, please speak with the admin of the Jamiyah.

We will automatically claim the monthly contribution from your BHD account on the due date.

If your account does not have enough balance, we will attempt to claim the amount the next day again. If we are not able to claim the funds from you, your contribution will be marked as failed in the Jamiyah. Please note that we will recover only full monthly contribution.

You can pay the missed contribution using the app. Select the month you missed and tap on “Pay now”. Please make sure you have enough balance in your BHD account. You can also request another participant to make payment on your behalf in the same manner.

The amount is less because one or more of the participants may not have paid the monthly contribution. You can know who missed the payment from the monthly details screen. We recommend that you talk to the admin if this happens.

The creation of the Jamiyah and addition of participants was the decision of the admin. We have no role in these processes nor do we check the credit worthiness of any participant. Our involvement is limited to providing a robust platform to conduct the Jamiyah which includes an automated process to recover the monthly contributions from participants and pay the amount collected to the appropriate beneficiary.

You can end a Jamiyah before the scheduled due date. A Jamiyah will also end when you approve a request from a participant to exit a Jamiyah. Therefore, before you end a Jamiyah or approve a request for exiting Jamiyah from any participant, please speak with all the participants and inform them of your decision and address any concerns they may have.
The delete Jamiyah option will not be available from the collection date to the payout date.

You can send a request to the admin to exit the Jamiyah. It is up to the admin to approve or decline your request. Please note that if your request for exiting the Jamiyah is approved, it will result in ending the Jamiyah for all participants.

It is the admin’s decision to end a Jamiyah. Speak with the admin to know how your case will be handled by him/her.

Please speak with our agents on 17123456 who will arrange to stop sending Jamiyah invitations to you. Please note that your request will be actioned within a reasonable time.

The Jamiyah feature is offered free.

Open the Jamiyah you wish to delete, tap on “Cancel” button shown on the top right of the screen and select the option appropriate to you.

Yes, now you can have up to two shares in a Jamiyah.

No. The minimum number of shares remains three – that means you need to have at least two people in a three-month Jamiyah.

To donate to charity, open the ila app and select 'Payments', then tap on 'Donate to charity'.

Currently, you can only make donations to charity from your Bahraini Dinar account.

We've selected charities based on ila customer feedback.
To find out which charities you can donate too, open the ila app and select Payments, then tap on Donate to charity.
We will continue to add to the list of charities and causes.

It's fast and convenient. You can also view the total amount you've donated to the charities listed.

The total amount you have donated to the listed charities will be shown at the top of the 'Your Donations' screen when you select 'Donate to charity'.

This is the target we are aiming to reach for that particular cause.

Yes, your donation is immediately reflected in the target amount of that cause.

All donations received from ila customers are sent directly to the charitable organization.
You will receive an account debit SMS notification and the charities name will appear alongside the transaction in your account statement.

No, we transfer the full amount to your selected charity and cause without taking any fees, charges or commission.

There are no set limits to your donations. You can transfer any amount from your Bahraini Dinar account.

No, all charity related transactions are exempt from any funds transfer fees. All of your donation will be transferred to your chosen charity/cause without any deductions.

There are no restrictions on the number of times you can donate to any of the charities, even if the targets have been met.

Yes, we will keep on adding more causes and charities in the future. Keep an eye on ila social media channels.

Transfer via Mobile feature enables ila customers to send money using the mobile number of a beneficiary instead of the IBAN. This feature is available for local transfers within Bahrain only.

You can use this feature for local transfers only. The transfer can be to another customer of ila or to a customer with an account with a Bahraini bank via Fawri+, Fawri or SWIFT.

The process of sending money has not changed. Instead of using the IBAN, you can use the mobile number of the beneficiary. Your beneficiary must have at least one registered, valid bank account in BenefitPay or is an ila customer who have set the “Receive Money Using Mobile Number” option on for you to use this feature to send money.

Yes, as an ila customer, you will be able to receive funds from ila customer using your mobile number. For this, you must have set the “Receive Money Using Mobile Number” option ON or your ila account must be registered with BenefitPay.

Yes, as an ila customer, you will be able to receive funds from another bank customer using your mobile number. For this, you must have registered your ila account in BenefitPay.

If your ila account is not registered with BenefitPay, you will not receive funds from another bank customer using BenefitPay. If your ila account is not registered with BenefitPay and you have set “Receive Money Using Mobile Number” option OFF, you will not be able receive funds transfer via mobile.

Yes, you can schedule a payment using Transfer via Mobile feature. Ensure you have enough balance on the date you set up the future dated payment. Please note that you can schedule only one payment. Recurring payment cannot be set up now.

For transfers within Bahrain, this feature can currently only be used with mobile numbers from Bahrain or GCC countries. You would be able to transfer money to your beneficiary if he/she used a mobile number from another country to register with ila.

Transfer to ila customers is always available provided the beneficiary has opted to receive the funds via mobile. In case the third-party service is not available, you will be informed when you select the Transfer Via Mobile option.

Download the latest version of the BenefitPay app and confirm that your ila card is uploaded to BenefitPay.

You can use both, the virtual and physical cards.

Tap and Go (BenefitPay) - Up to your card's limit

Tap and Go (Physical Card) - BHD 50

The Tap and Go service can be used at any merchant that has an NFC Point of Sale machine.

Hold your phone close to an NFC Point of Sale machine with the back of your phone facing the payment device's Tap and Go symbol.

The NFC service on Apple devices is reserved for Apple Pay only.

To ensure that no disruptions occur, it is preferable that there is no phone barrier between the mobile and payment machine.

Please ensure that the card added on BenefitPay is valid and that it's the most recent one received from ila Bank as BenefitPay does not automatically update your card details.