Online shopping is a service that Arab national bank provides to enable bank customers to shop for products or services  online thru the internet (websites of EStores) in a totally safe and secure manner using their ANB Mada Debit Card or credit cards.

No. The bank does not charge any fees to enable online shopping service on ANB Mada Debit Cards.

There is no difference for online shopping purposes. The customer can use either..

The top daily limit is the maximum amount the customer can spend in one day on online purchases. The customer can increase the Ecommerce  purchasing daily limit as desired provided the limit does not exceed the POS daily purchases limit

Daily Ecommerce purchase limit based on individual customer programs:

Arab national bank supports a feature for control of the daily limit of online purchases, either by reducing the limit to SAR 0, or increasing it. This feature can be requested through Al Arabi IVR Service by calling 920005555 or visiting any of ANB branches.

No. The daily limit for online shopping and POS purchases is shared, but the customer is given the advantage of determining the daily limit for each service provided that the online purchase limit does not exceed the POS purchase limit.

• Example 1: in case the daily POS purchase limit was 60,000 SAR, the customer can allocate 20,000 SAR for online daily purchases. If the customer uses the 20,000 SAR allocated for online purchases, the remaining 40,000 SAR will be the daily POS purchase limit. If the customer doesn’t use the 20,000 SAR allocated for online purchases, then he can use the total purchase limit of 60,000 SAR on POS.

• Example 2: in case the daily POS purchase limit is 20,000 SAR, the customer can allocate 5,000 SAR for online daily purchases. If the customer uses the 5,000 SAR allocated for online purchases, the remaining 15,000 SAR will be the daily POS purchase limit. If the customer doesn’t use the 5,000 SAR allocated for online purchases he can use the total purchase limit of 20,000 SAR on POS.

• Example 3: in case the daily POS purchase limit was 40,000 SAR, and the customer allocated 5,000 SAR for online daily purchases, the customer can’t perform online shopping transactions exceeding in value the 5,000 SAR.

• Example 4: in case the daily POS purchase limit was 60,000 SAR, and the customer allocated 60,000 SAR for online daily purchases and used the 60,000 SR limit in full on online shopping transactions, then the customer cannot perform any POS purchase transactions considering that he has already used the full limit, and vice versa.
   

Yes. Arab national bank allows enablement of the service before the time a purchase transaction is made only, and disablement of the service after completion of the online shopping transaction thru the Phone Banking IVR Service only . The customer can adjust the daily spending limit or the online shopping daily purchase limit through the Phone Banking IVR Service or ANB branches.
Note: If the customer isn’t registered for Phone Banking Service, he/she can register directly by dialing 920005555 and following the IVR instructions in order to take advantage of many features and services, and to carry out banking transactions in a convenient, secure and flexible manner.
 

Yes. Arab national bank provides full security as detailed below:

• The customer can’t complete the transaction without entering the OTP (One time password) sent to his/her mobile. The verification protocol is supported by VISA and is called VBV (Verified by (VISA)  authenticated by Visa . 
• To proceed with the purchase, the customer must enter the OTP sent to his / her mobile when purchasing or paying through VBV supported websites  who display the Verified By Visa logo on their payment page.

Arab national bank allows you to benefit from the service at all online websites that supports  VBV (Verified By Visa), both local and international.  The customer can’t purchase from websites that doesn’t support this feature like Amazon and Apple.

We always advise the customer to select the same currency of the merchant’s country he/she is making  a purchase from online i.e. the Saudi currency should not be selected at the time of payment because this would result in additional forex charges for currency conversion.

There are plenty of reasons behind the delay in receiving the OTP. In case of any delay in receiving the OTP we advise the customer to check the data entered and then try again after a short period of time. If the problem persists the customer should call ANB Phone Banking. 

The system will automatically cancel the online purchase so the customer must perform the purchase transaction once again.

Yes, there are special offers for ANB Mada Debit Cards and other for ANB Credit Cards.
To check all offers please visit ANB’s website www.ANB.com.sa.

No, The service is available in all ANB Debit Cards, and if the service is disabled the customer can enable it through Al Arabi IVR Service by calling 920005555

Yes, the service can be cancelled after completing the purchase only through Phone Banking IVR Services available by dialing 920005555. Alternatively, the customer can decrease the daily online purchase limit to 0 SAR instead of cancellation, and by doing so no online purchases can be made because the limit is 0 SAR. The daily online purchase limit can be determined through the Phone Banking IVR Service or by visiting ANB branches.