Jordan bank statements to Excel — Arabic and English, in seconds
Built for CBJ-licensed banks. eFAWATEERcom, JoMoPay, Gulf SWIFT remittances, and 16% GST lines extracted — and JOD fils read as three decimals.
Jordan's banking sector includes 26 banks licensed by the Central Bank of Jordan, led by Arab Bank, Housing Bank for Trade and Finance, Jordan Ahli Bank, and Bank al-Etihad. Kashfbank reads PDF statements from each — Arab Bank's regional format, Housing Bank's bilingual monthly, JIB's Islamic finance entries — without you remapping columns. The CBJ regulates under Basel III, and statements are typically issued bilingually with the 16% GST visible on domestic merchant transactions.
Central Bank of Jordan (CBJ)
20% corporate income tax (higher for banks/telecoms); 16% General Sales Tax (GST); personal income tax 5–30% tiered; no Zakat obligation at state level.
Jan 1 – Dec 31
Supported Banks in Jordan
JOD fils, the USD peg, and salary timing
The Jordanian dinar has been pegged to USD at 0.709 since 1995. One JOD is 1,000 fils, and statements print amounts to three decimal places. A row showing '1,250.500' means JOD 1,250.500 — about USD 1,765 — not JOD 12,505. Kashfbank reads this precision correctly, which matters more in Jordan than in Saudi or the UAE because most monthly salaries fall in a range where mis-parsing turns a real number into a fictitious one.
Jordanian employers typically pay between the 1st and 5th of the Gregorian month. Salary entries appear as 'SALARY' or 'راتب' with the employer tax ID. Kashfbank extracts the salary row with its full descriptor — the tax ID intact — so 12 months of payroll deposits from an Arab Bank or Housing Bank statement pull cleanly for an ISTD filing or a loan application.
16% GST, ISTD, and Gulf remittances
Jordan's tax framework is progressive: personal income tax tiers from 5% to 30%, corporate tax at 20% (higher for banks and telecoms), and a 16% General Sales Tax on most domestic merchant lines. The Income and Sales Tax Department (ISTD) accepts statement-derived ledgers for review, but only when the descriptors are intact. Generic tools that relabel rows into 'card payment' or 'transfer' break that audit trail. Kashfbank does not.
Remittance inflows from Jordanians working in the GCC are a significant recurring credit category in personal statements. These appear as 'SWIFT CREDIT' or 'WIRE TRANSFER' with the sending bank's BIC code — usually QNB, Al Rajhi, or Emirates NBD. Kashfbank preserves the sender BIC and reference, so you can filter for Gulf-origin transfers and reconcile against the original remittance receipts.
Common Merchant Labels
| Label | Meaning |
|---|---|
| JONET POS | Jordan domestic card payment |
| EFAWATEERCOM | Electronic bill payment portal |
| ZAIN JO BILL | Zain Jordan telecom bill |
Regulatory Notes
CBJ regulates under Basel III. JOD pegged to USD at 0.7090 since 1995. Jordan introduced a digital wallet framework (JoMoPay) in 2014, one of the first in the Arab world.
Frequently Asked Questions
Which Jordanian banks does Kashfbank support?
Every CBJ-licensed bank we have tested against: Arab Bank, Housing Bank, Jordan Ahli Bank, Bank al-Etihad, Jordan Islamic Bank, Cairo Amman Bank, and the major retail names. If your bank issues a text-layer PDF statement, we can read it.
Does it handle three-decimal JOD fils correctly?
Yes. We parse JOD amounts at three decimal places. '1,250.500' is read as 1,250.5 dinars, not 12,505. The same logic applies to BHD and OMR — all three Arab dinars use the fils/baisa precision.
Will Jordan Islamic Bank entries stay labeled as Islamic finance?
Yes. Murabaha, Ijara, and Wakala entries from Jordan Islamic Bank and the Islamic International Arab Bank are extracted with their original Arabic labels. We do not relabel them as 'interest' or merge them with conventional rows.
Will inward SWIFT remittances from the Gulf show up cleanly?
Yes. SWIFT credits and wire transfers from Gulf banks (QNB, Al Rajhi, Emirates NBD, and others) appear with the sender BIC and reference preserved. You can filter by sender bank in Excel to separate Gulf remittances from local payments.
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Common Payment Apps
Salary Conventions
Jordanian employers typically pay on the 1st–5th of each month. Entries read 'SALARY' or 'راتب' with employer tax ID.