1. Eligibility to Use
•    Hassala is available to all anb retail customers who hold an active and eligible current account.
•    The customer must have a valid national identification/residency ID and must meet all Know Your Customer (KYC) and regulatory requirements.
•    The customer must have access to the anb mobile application and valid login credentials.
•    The Bank reserves the right to restrict access to Hassala for compliance, regulatory, or risk related reasons.
•    Customers may create and hold up to three (3) active Hassalas at the same time.

2. Participation Mechanism and Conditions
To participate, the customer must select: 
•    A savings goal between SAR 500 and SAR 100,000.
•    A savings tenure between 1–6 months.
•    A linked anb current account for deductions.
•    Hassala operates through automatic daily deductions from the customer’s current account. If the account balance is insufficient, the deduction will be skipped, and the system will attempt to adjust future deductions to stay on track.
•    The customer may pause their Hassala up to three (3) times during its lifecycle. Paused days may affect the customer’s ability to reach the goal on time.
•    Early withdrawal is allowed but will result in cancellation of the Hassala and potential loss of any rewards associated with successful completion.
•    Upon reaching the savings goal, the saved amount is automatically transferred to the customer’s current account and a notification is sent.
•    Hassala is a non-interest bearing savings tool. No profit or return is paid on balances.
•    The customer cannot change the goal or tenure after creating the Hassala. To make changes, the customer must cancel and create a new Hassala.
•    The customer may cancel their Hassala at any time via the application settings.
•    The Bank may update, amend, or modify the Hassala terms, rewards, or deduction mechanisms with prior notice in accordance with applicable regulations.