Jordan applies a progressive 5–30% personal income tax. The ISTD wants converted Excel data from your Arab Bank statement, not a stack of bilingual PDFs. Convert in seconds and hand it to your accountant.
Convert your Arab Bank statementJordan's Income and Sales Tax Department (ISTD) administers the country's tax system: a progressive personal income tax of 5–30%, a 20% flat corporate rate for most companies, and a 16% general sales tax on most goods and services. Personal tax returns are due annually; corporate filings are quarterly with an annual reconciliation. The bank statement is the primary income evidence in both cases.
Arab Bank — the largest indigenous bank in Jordan, founded 1930 — is the dominant banking relationship for high-income retail customers, professionals, and SMEs. Its bilingual PDF statements are well-structured but are still PDFs. The ISTD's electronic filing system and your accountant's working papers both need data, not paper. Kashfbank converts the PDF to Excel with JOD three-decimal precision intact.
Arab Bank statements show salary credits with the employer reference, investment income (dividends from brokerage accounts, deposit profit shares), property rental income, and SWIFT inbound transfers from foreign clients or family. All of these are taxable for a Jordanian resident; the question is which row goes where on the ISTD return.
Multi-currency holders face an extra layer. JOD income goes on the return at face value. USD or EUR income must be converted to JOD at the CBJ average rate for the period the income was earned. The Arab Bank statement prints the original currency and the JOD equivalent for some entries but not all — Kashfbank's export keeps the original currency on each row so you and your accountant can apply the right rate.
The ISTD return needs total income by source, deductible expenses (limited categories for individuals), and tax already paid (withholding, advance payments). The Arab Bank statement supplies the income side and any tax payments routed through the account.
Bilingual Arabic/English PDF, typically landscape layout. Columns: date, reference, description, debit (JOD), credit (JOD), balance (JOD). JOD amounts displayed to three decimal places per CBJ standards. Multi-currency accounts produce separate per-currency pages. Wire transfers include full SWIFT/BIC beneficiary detail in the narration field. Statements available up to 24 months via branch or online.
| Label | Meaning |
|---|---|
| SWIFT Transfer | International wire transfer via SWIFT network |
| ATM WD | ATM cash withdrawal |
| POS Purchase | Point-of-sale card payment |
| Salary Credit | Monthly salary deposit from employer |
| Standing Order | Recurring scheduled transfer (utilities, insurance, loan instalment) |
Rules in Jordan differ — see our country guide
Pull 12 months from Arabi Mobile
Arab Bank Online and Arabi Mobile both export full-year PDFs. For ISTD purposes, the tax year is calendar-based, so request January–December of the relevant year. Multi-currency accounts include all currency pages in one PDF.
Convert and verify multi-currency
Upload to Kashfbank. Check that JOD, USD, EUR, and any other sub-account currencies appear in the export. Each currency keeps its three-decimal precision (or two-decimal for USD/EUR) and its own running balance.
Apply the CBJ rate to non-JOD income
For each USD or EUR credit, multiply by the CBJ average rate for the tax year (or transaction date, depending on your accountant's approach). Add the JOD equivalent to a helper column in Excel. The total flows into the ISTD return.
Send to your accountant or file directly
Most Jordanian individuals use a tax advisor for the annual ISTD return; some file directly through the ISTD electronic portal. In either case, the Excel and the original Arab Bank PDF together are the documentation. Retain both for at least four years.
Common challenges
Jordan taxes worldwide income for residents. Does Kashfbank help with that?
Yes. The Arab Bank statement captures foreign-source income that arrives via SWIFT inbound wires. For income earned and held abroad that never enters your Arab Bank account, you need separate documentation — but most Jordanian residents repatriate foreign earnings, and those credits show on the statement.
Does the ISTD require a specific Excel format?
The ISTD electronic portal accepts the tax return itself in its own format. The Excel export is supporting documentation, not a portal upload. It is for your accountant's working papers and any ISTD inspection or query.
How does the export handle the 16% general sales tax?
GST in Jordan is collected at the merchant level — it shows in the merchant's books, not as a separate line on your personal Arab Bank statement. For businesses registered for GST, the bank statement still does not show the tax split; the split lives on the invoice. Kashfbank tags GST payments to the ISTD as a Tax category when you remit them.
What about the 1% corporate tax surcharge for national contribution?
Jordan added a national contribution surcharge to corporate income tax in some years. Your corporate Arab Bank account will show ISTD payments that include the surcharge; Kashfbank tags them as Tax category. The split between base rate, surcharge, and any local taxes is reconciled in the corporate return, not at the statement level.
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Regulator: Central Bank of Jordan (CBJ)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English