Freelance income in Jordan flows into a single JIB account alongside Murabaha repayments and personal spending. Convert the PDF to Excel and you can filter business income in minutes.
Convert your JIB statementFreelancers in Jordan receive income through SWIFT inbound wires, Payoneer transfers, Wise, eFAWATEERcom requests, and local JOD transfers. All of it lands in a single JIB account next to grocery POS, Murabaha instalments, and family transfers. Manually separating the business lines from the personal ones is the time sink — Kashfbank does it in seconds.
Jordan Islamic Bank's bilingual PDF preserves transaction narrations in both Arabic and English where JIB provides them. The Murabaha, Ijara, and Mudaraba product labels stay readable in the Excel export, so you do not lose context when filtering for business activity.
Client payments arrive as SWIFT credits, eFAWATEERcom payments, or direct JOD transfers. The statement shows the sender's name in the narration where the bank captures it. Multi-currency holders see USD or EUR client payments on dedicated currency pages within the same PDF; the JIB statement does not always print the JOD equivalent on every row, so the Excel export keeps the original currency on each line for your own conversion.
The ISTD wants gross income from all sources for the personal return. Your accountant wants categorised business income for working papers.
Bilingual Arabic-English PDF. Islamic product terms appear in transaction narrations: Murabaha, Ijara, Musharaka, Istisna, Mudaraba. JOD balance shown to three decimal places. Sharia supervisory board certification reference printed in the statement header. Profit distributions are listed as separate line items, not embedded in principal payments. Account summary shows opening balance, period movements, closing balance, and cumulative profit for investment accounts.
| Label | Meaning |
|---|---|
| Murabaha Instalment | Monthly cost-plus repayment for Murabaha-financed purchase |
| Profit Distribution | Periodic profit share credited to investment account |
| Ijara Payment | Lease instalment for Ijara (Islamic leasing) contract |
| Zakat Deduction | Annual Zakat amount deducted from savings balance where applicable |
| Salary Credit | Monthly salary deposit |
Rules in Jordan differ — see our country guide
Export full year from JIB Mobile
JIB Mobile and JIB Online let you download a PDF for any custom period. For the ISTD return, January to December of the relevant year. Pull each currency sub-account in the same export.
Upload to Kashfbank
Drop the JIB PDF into Kashfbank. The bilingual layout and JOD three-decimal precision are detected automatically. Murabaha and profit distribution rows are kept as separate entries, not merged.
Filter business income
In the Excel, filter inbound transfers and tag client payments separately from personal credits. Foreign currency rows keep their original currency; apply the CBJ rate for the year (or transaction date) to convert.
Send to your accountant
Share the filtered Excel with your tax advisor along with your invoice register. The two together let the advisor reconcile invoiced revenue with banked revenue for the ISTD return.
Common challenges
Do I need to register with the ISTD as a Jordanian freelancer?
If your annual freelance income exceeds the personal exemption threshold, yes — you file a personal income tax return with the ISTD covering all sources. Many freelancers also register a sole-trader business; your accountant will advise on the right structure.
Will the export show client names for SWIFT credits?
Where JIB captures the sender's name in the statement narration, Kashfbank preserves it in the Description column. Some SWIFT inbound entries show only a reference code; in those cases you match the date and amount against your invoice register.
Does JIB issue statements with Hijri dates?
JIB defaults to Gregorian dates in the standard customer statement, with Hijri dates available on certain product slips. The Excel export uses Gregorian (ISO 8601) for the Date column, which is what the ISTD electronic portal expects.
How are Murabaha instalments treated for a freelancer's accounts?
Murabaha instalments are a financing repayment, not a business expense. They reduce your available cash flow but are not deductible from your freelance income on the ISTD return. The Excel makes it easy to tag and exclude them from business expense totals.
Tax Preparation
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Mortgage Applications
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Regulator: Central Bank of Jordan (CBJ)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English