Banking in Jordan for Expats (2026 Guide)

The banking system in Jordan may feel unfamiliar at first. Knowing the right steps before you arrive makes the transition much smoother.

Banking Overview in Jordan

Opening a Bank Account in Jordan

Foreigners can open bank accounts in Jordan. The process difficulty is rated as medium, which means you should expect some bureaucracy and possibly language barriers.

Required Documents

• Valid passport or national ID
• Proof of address / residence registration
• Residence permit (if applicable)
• Tax identification number (if available)
• Initial deposit (amount varies by bank)

Digital Banking Options

Wise (TransferWise)

Wise has limited availability in Jordan. While you may be able to send money to Jordan, full local account features may not be available. Check their website for the latest on Jordan-specific services.

N26

N26 is not currently available in Jordan. You may need to consider local digital bank alternatives or traditional banks.

International Transfers

When transferring money to or from Jordan, consider these factors:

• Exchange rate: The currency is JOD. Always compare the offered rate with the mid-market rate.
• Transfer fees: Transfer fees vary — compare providers like Wise for the best rates.
• Transfer speed: Bank-to-bank (SWIFT) transfers take 2-5 business days. Digital services often complete within 1-2 days.
• Regular transfers: If sending money home regularly, set up a recurring transfer to lock in better rates.

Salary and Everyday Banking

The average salary in Jordan is approximately €933 per month. Your employer will typically require a local bank account for salary deposits. Most banks offer:

• Debit card (Visa or Mastercard)
• Online banking portal and mobile app
• Direct debit setup for rent and utilities
• ATM withdrawals (check fee policies)

Tips for Expats

1. Understand tax reporting: Bank interest may be taxable. Ask your bank about withholding tax and whether they report to foreign tax authorities.
2. Use a multi-currency card: A multi-currency travel card (Wise, Revolut) saves you exchange fees during the transition period.
3. Compare fees before choosing: Monthly account fees, ATM charges, and international transfer costs vary wildly between banks. Ask before you open.
4. Ask about expat-friendly packages: Some banks offer special accounts for foreign residents with English-language support and lower fees.
5. Set up online banking immediately: Most routine transactions can be handled online or via app, saving you queues and branch visits.