The applicant (hereinafter called the customer) accepts the following terms and conditions for using ANB Mada Debit card (hereinafter called the card), issued by Arab National bank (hereinafter called the Bank).

1- The bank will supply the customer with anb Mada Debit card which is used in transacting through the ATM and point of sale and the customer chooses the Personal Identification Number (PIN) of the card, provided that the card shall remain the property of the Bank and will be surrendered to the bank upon request.
2- Contactless (Atheer) transactions equivalent or below the terminal contactless limit specified by Saudi Monetary Agency (SAMA) will not require a PIN. However, occasionally the PIN may be required in some transactions.
3- The cumulative contactless transaction limit can be reset when you perform a transaction using your PIN through a point of sale terminal or an ATM.
4- A Personal Identification number (PIN) for the card will be selected by the customer at any ANB branches. The customer hereby undertakes not to disclose such number to any other party whether relatives, friends or even bank employees. Selection of new PIN or card replacement will not be considered as a new contract.
5- The Card has the facility of online shopping wither from International or Local websites. The cardholder has the right to enable or disable the online shopping service through Al Arabi IVR Service by calling 920005555.
6-    The Bank has the right to withdraw the card from the customer, stop or cancel card utilization, at any time with 30 days prior notice to the customer, in case it serves or protects the customer or the Bank's interests.
7-    The Bank has the right to amend or supplement the card issuing terms at any time, but shall notify the cardholder of the amendment / supplement 30 days before the amendment/supplement validity date. If the customer continues to utilize the card thereafter, subsequent utilization constitutes an express acknowledgment and acceptance thereof by the customer.
8-    The customer shall return the card to the Bank for cancellation in the event the customer no longer requires the service or if the Bank stops card utilization for any reason whatsoever. 
The obligation of the cardholder herein shall cease only when all outstanding transactions using the Card have been settled.
9-    The card is not transferable and may be used only by the customer, who must not disclose his/her Personal Identification Number (PIN) to any other person for any reason whatsoever.
10-    The customer authorizes the Bank to renew his/her card or issue a new one in lieu of the reported lost/stolen card until receipt by the Bank of a notice in writing to the contrary from the customer.
11-    Whenever the bank issues a renewal/replacement card and delivers it to the customer, the card will carry the same PIN as previously used by the customer. The first successful usage of the card on the Bank’s or its agents’ ATM or POS device will invalidate the old card.
12-    The customer shall notify the Bank immediately of the loss of the card by calling ANB Phone Banking at 800-124-4040 (local) or +966-11-2994040 (mobile or international) and he/she shall remain responsible for any transactions performed with his/her lost/stolen card as if he/she had used it personally until the Bank receives a notification to that effect.
13-    The Customer accepts and authorizes the bank to charge his account for all lost/stolen card reissuance fees according to the prevailing Bank Tariff of Charges, except if the card was detained by any ATM.
14-    The Bank will debit the customer's account with any withdrawals, transfers, purchases or any other transactions performed by the use of his/her card, and the customer shall in all circumstances accept full responsibility for all transactions processed by the use of the card and accepts the Bank's record of transactions as conclusive and binding for all purposes.
15-    The customer undertakes, whenever his/her account(s) is (are) overdrawn by the use of the card to settle upon the Bank's request his/her overdrawn balance in addition to any charges (charges are donated to charity). The customer also authorize the Bank (without the Bank being bound to do so) to cover his/her overdrawn account balance by debiting any of his/her personal account(s) he/she has with any branch of the Arab National Bank.
16-    The customer pledges to abide by the applicable rules for daily withdrawal limit prescribed by the bank for cash withdrawal at ATMs and daily payment limit for purchases at POS and other card-based transactions.
17-    The Bank's records shall be deemed correct, decisive evidence which is binding to the customer and may not be contest.
18-    The customer understands that it is his/her responsibility to contact the Bank in any of the cases below:
-    When the ATM retains his/her card.
-    When he/she did not receive the right amount from the ATM.
-    Any error made in debiting or crediting his/her account related to the use of ATM and POS.
19-    The customer shall advise the Bank of any change in his/her mail address or residence or address in home country (for non-Saudis) or communication details e.g. mobile number, email address, otherwise the last address and communication details registered at the Bank by the customer will be the valid mailing address and communication details between the bank and the customer.
20-    The customer understands that transaction made during non-banking hours or holidays will be posted on the next banking day.
 

21-    For Joint Accounts the Bank has the right to issue an additional Debit card for any partner in the account upon the request of partners (jointly) and they will be considered liable (jointly and severally) towards the Bank for any obligation by use of any these cards.
22-    Any additional cards requested shall also be subject to the same terms and conditions identified above and applicable to the Debit card of the original / primary cardholder. The daily limit for ATM and daily purchase limit for POS and Online shopping will be shared equally between all cards of the account.
23-    The customer can control his/her daily purchase limit for POS and Online shopping through Al Arabi IVR Service by calling 920005555, according to each segment’s Max allowed limit up to 200K SAR.
24-    The Cardholder shall be directly and fully responsible for all transactions carried out through the use of the additional card in accordance with this agreement.
25-    The additional card is an unconditional and irrevocable authorization by the customer to the person using the additional card at any time for any transaction. Therefore, the primary customer is responsible for direct responsibility for all obligations that arise in respect of additional cards as if they originated from the same customer.
26-    The customer authorizes the Bank to debit his/her account for any expenses incurred by the Bank as a result of using other Bank's ATMs and POS inside the Kingdom or outside the Kingdom. These transaction fees will be charged based on prevailing Bank Tariff of Charges.
27-    The customer authorizes the Bank to debit his/her account with the Bank for utility bills paid or other similar payments carried out through ATMs.
28-    The customer accepts the bank’s record as controlling and binding for any transaction at the Cash
Deposit Machines (CDMs).
29-    The customer agrees that International transactions will be charged at the prevailing Bank exchange rate and Bank Tariff of Charges on the date of the transaction.
30-    The Bank shall not be liable for any circumstances affecting the use of the Card including but not limited to :
-    the failure of any merchant to accept or honor a Card
-    the manner in which the refusal to accept the Card is communicated
-    Any machine, data processing system or transaction link malfunction, strike or dispute relating to the transfer of funds, provision of information or goods or services purchased.
-    Limitation of funds available through an ATM.
-    Limitation of the Acquirer Bank ATM transaction limit.
31-    All amounts set out, or expressed to be payable by Customer to the Bank pursuant to this condition (Terms And Conditions for using ANB Mada Alarabi Debit Card)  shall be deemed to be exclusive of any value added tax. If value added tax or any other tax is chargeable on the goods/services/ fees , then the Customer shall pay to the Bank (in addition to and at the same time as paying  the amounts payable under this Application) an amount equal to the amount of the value added tax or any similar tax.
32-    These terms and conditions shall be governed and construed in accordance with the laws of the Kingdom of Saudi Arabia. Any dispute arising out of or in connection with these Terms and Conditions, including their interpretation or enforcement shall be referred to and exclusively resolved by the Banking Disputes Committee, located in Riyadh.
33-    In case of discrepancy between the Arabic text and the English text of these Terms and Conditions, the Arabic text shall prevail.