Terms and Condition and Privacy Policy for AIB PLC “aibl i-banking”

Last Updated: 27th March, 2024

Please read and accept the Terms & Conditions and Privacy Policy if you desire to continue using “aibl i-banking” app of Al-Arafah Islami Bank PLC. The following will apply when you use this service:

1. To use Internet Banking, you grant AIB PLC “aibl i-banking” the right to register your device

2. To utilize the “Binimoy” service, you grant to use your device’s actual location.

3. To avail EKYC (rapid account) service, you grant the permission to capture image or upload media, access your name, address, phone number, email address (or other contact list information), gender, age, National Identification (NID) number, and other non-financial and financial details.

4. To operate Internet Banking and rapid account services, you provide your contact list information such as phone number, email etc.

5. Overall, you grant us the permission to save all of your information in our database server.

6. To use Internet Banking and rapid account services of this, you agree to all Terms & Conditions (https://www.aibl.com.bd/i-banking/terms-conditions) and Privacy Policy related to “aibl i-banking” as stated hereunder.


This privacy policy explains how we will use and manage your personal data, including any data acquired from you as a user of this APP “aibl i-banking”. In this Privacy Policy, “personal data” refers to any identifiable information about you.

We strongly believe that the privacy of our customers’ information is vital for building public trust and confidence in our products and services, so it is our commitment to respect, maintain, protect, and safeguard our Al-Arafah Islami Bank PLC customers’ information at all times.


aibl i-banking app requires Internet, Contact list, Location, Call, SMS, Email, Camera and Image/Media permission.

  • Internet Permission: Internet access is required for our app to communicate with AIB PLC server through internet
  • Location Permission: Location is used to monitor the location from which transactions take place which is necessary for ‟Binimoy”.
  • Device registration: Device registration permission to keep track of your device so that we can protect you from frauds
  • Contact List permission: Device’s phone book permission in order to provide a user-friendly mobile top-up interface where the user can choose the appropriate contact number from a contact list rather than having to manually input
  • Call authorization: Call authorization to quickly connect the user to our customer support team, available around-the-clock, year-round.
  • SMS permission: SMS permission to populate the security code in the field during registration, forgot PIN, rapid account verification, i-banking transaction confirmation etc.
  • Email Permission: Email Permission to verify client’s correct email address
  • Camera permission: Camera permission to scan QR to pay at various merchant shops throughout the country, to capture image of customer NID, Selfi and signature during rapid account registration
  • Media permission: Media permission to upload photo of customer NID, signature, nominee NID, photo during rapid account registration


The sorts of information we collect differ based on how you use and access our services and products. We collect the following types of personal information when you use our mobile banking app:

  • The data and information we usually obtain about you include your name, address, phone number, email address (or other contact list information), gender, age, National Identification (NID) number, and other non-financial and financial details.
  • Information about your device and internet connection, such as your device name, device type, operating system, browser type, and IP address.
  • Information about your usage of our mobile banking app, such as the pages you visit, the features you use, and the transactions you make.
  • Please be advised that any information you enter, including your phone number and email address, may be used to identify you personally.
  • When you use this app, cookies may be used to improve your user experience and remember your preferences.
  • Alternatively, non-personally identifiable or anonymous codes may be used for general visitor and usage trend monitoring.
  • All customer data entered into the app upon registration is kept on the Al-Arafah Islami Bank PLC server to individually identify each user. We reserve the right to ask you for more relevant information at any time so that we can assist you better.

You can always enable or deny access to this information by going to your device’s settings.



When you use the app, we may collect personal information from you, including your name, phone number, email address, and payment information. This information is collected in order to provide you with top-up services for your GP, Robi, Airtel, Teletalk, or Banglalink accounts. We may also collect non-personal information such as device information, app usage data, and location information.


  • We use user’s mobile number to uniquely identify each user as a customer.
  • We do not divulge the user’s mobile number to any unapproved parties or other third parties; instead, we securely store it.
  • The information we collect is used for the purpose of providing you with top-up services for your GP, Robi, Teletalk, or Banglalink account.
  • To help you get more out of this service, we might use your Personal Information to get in touch with you about new features, newsletters, marketing, or promotional materials. We may use non-personal information for statistical purposes, to improve our app, and to provide better services to our users.



This Privacy Policy describes how we collect, use, and protect the image information you provide us with for the purpose of creating Electronic Know Your Customer (EKYC) verification. We take the privacy of your personal information seriously and are committed to protecting it.


  • To automatically verify the client’s identity with the NID server, we need your permission to take pictures of the front and back pages of your NID during the rapid account registration process.
  • We also need camera permission to capture your Selfi to verify it with your NID image
  • Camera permission is also required to obtain your signature which will be used in future as your bank account authorization
  • You can also upload a picture of your signature and NID. Permission to upload media is needed for it.
  • Also, media permission to upload photo of nominee’s NID and photo is required

Certain features, including Binimoy, use information about your physical location sent from your device

  • In order for us and Google to provide the necessary functionality in compliance with these and Google’s Terms and Conditions and Privacy Policies, you grant us, our partners and licensees, and Google permission to access, monitor, transmit, collect, maintain, disclose, process, and use your location data. You will be asked to consent to the use of location services when you use the Binimoy service for the first time.
  • By disabling location services on your device, you can revoke this consent at any moment. Some of the features might be unavailable without this permission
  • There are different Google terms and conditions that apply to using the Google Maps APIs. You can find them at: http://maps.google.com/help/terms_maps.html and Google privacy policy available at: www.google.com/privacy


We obtain information from you when you register on aibl i-banking” app. We may request to provide certain personal details when you’re using our app so we can get in touch with you or identify you.


We utilize this data to uniquely identify the customer’s device and ensure that no other device is using the same account at the same time. The information we receive from you will be used to respond to the requests you make regarding our products and services as well as other regular company operations.


We reaffirm our commitment to upholding, protecting, and safeguarding the privacy of your information by making sure that only authorized staff members who are properly trained and equipped to handle your information may access the information you have shared, disclosed, exchanged, or otherwise provided to us. All of our authorized personnel are expected to abide by the following commitments, particularly the one about protecting the privacy of your information at all times. The appropriate disciplinary action will be taken against any of our authorized workers who violate this privacy policy or its general conditions.


We do not use cookies for tracking purposes.


We don’t exchange, trade, or otherwise give your personally identifiable information to unaffiliated third parties. We take the right precautions to protect your information.


We will always protect the privacy of your information by implementing appropriate and strict security controls, procedures, and protocols; this will even after any commercial connection between you and us has ended. Please be aware that although we will make every attempt to protect the privacy of any information, no data transmission over the Internet or through other electronic means can be guaranteed to be completely safe. We are unable to guarantee the complete security of your personal information, even though we undertake every effort to safeguard it using commercially reasonable methods. Furthermore, if the aforementioned Information is lost, stolen, altered, copied, misused, or subjected to any other violation, we will not be held accountable or liable for any losses or damages you may incur.


While you are under no legal or contractual obligation to give us any of your information, you may be prevented from accessing or fully using our products and services if you choose not to do so (for whatever reason, including your disapproval of the measures we take to protect the privacy of your information). Neither of these actions shall hold us accountable or liable for anything.


Please be aware that among other reasons, our ability to offer you with our products and services depends on the accuracy of the information you have given us. As a result, a term and condition governing the provision of our products and services is that you agree to maintain the accuracy, completeness, and currency of all information that you provide, share, exchange, or otherwise provide to us. You shall update the information and notify the Bank of any changes in writing or by any other method the Bank deems appropriate.


Our services are not intended for individuals under the age of 13. We do not intentionally gather personally identifiable information from children under the age of 13. Should we become aware that a child under 13 has provided us with personal information, we promptly remove this data from our servers. If you are a parent or guardian and you are aware that your child has shared personal information with us, please contact us immediately so that we can take appropriate action. Thank you for your cooperation in ensuring the privacy and security of all users, including minors.


We may amend this Privacy Policy at any time by posting the amended terms on this site. All amended terms automatically take effect instantly after they are initially posted on the site. Thus, you are suggested to review this page periodically for any changes. We will notify you of any changes by posting a notice of the change (or an amended Policy) on this page. These changes are effective immediately after they are posted on this page. Your maintaining access or use of it indicates your agreement to the changes.


  •  You hereby acknowledge that the provision of the AIBL Internet Banking Services and Internet Banking App access to the accounts is dependent upon the continued availability of communication, processing, function and other facilities of the applicable systems, and the Bank cannot warrant such availability at all times. The service can be interrupted due to several technical and/or other reasons. The Bank cannot always ensure access to its website. The Bank is entitled to suspend, disconnect or discontinue the provision of the Services or AIBL App access to the account with or without any prior notice in the App’s notification centers/website/mobile for the purpose of carrying out the maintenance, upgrades or other work. In the event the Bank suspends, disconnects or terminates the Services or AIBL App access to the account upon the occurrence of any event over which the Bank has no control, the Bank shall not be liable for any loss or damage caused to you as a result of such suspension, disconnection or termination.
  • If for any reason beyond its control including but not limited to system error, network problem, strikes, labor disputes, accidents, governments requisition, restrictions or regulations on travel, hospital operation, political disturbances, acts of war, acts of God, which may hamper to provide regular and normal service and unable to perform its obligations under this agreement that case AIBL shall not be responsible.


  1. If no balance is deposited (as per Bank policy, a minimum of 500tk for Mudaraba Savings account) in the account within 90 days of account opening, the account will be closed automatically.
  2. The client will be given a default Transaction profile (TP) with a transaction limit of 1 lac. If the client wishes to increase his TP, he must contact the branch with supporting documents and maintaining other due diligence as per Bank’s policy. If the client wishes to change any information in the account (address, phone/mobile number, etc.), the client must visit the branch with supporting documents.
  3. The Account Maintenance Fee is deducted from the account on a monthly basis by the bank.
  4. The client must physically visit the branch to obtain the first chequebook/debit card. Following that, a new chequebook can be requested using the provided requisition slip. Pages of the chequebook must be signed, and any changes to the signature must be reported to the bank immediately. The account holder must accurately sign cheques in accordance with the signature provided by the customer in rapid account and promptly notify the bank if the signature changes. Any written communication with the bank must include a specimen signature. TP should be confirmed at this time.
  5. If the account holder wishes to close the account, they can do so by returning the unused chequebook appropriately. In case of loss of the bank-provided chequebook, the matter is recorded in the nearest police station along with a self-attested copy, and a new chequebook is issued after submitting a written request. Under no circumstances will a lost chequebook be replaced by another person (even if authorized by the account holder). In case of loss, theft, or misuse of a chequebook leading to fraudulent activities, the bank will not be held liable. A closing charge determined by the bank is levied when closing an account.
  6. Money can be withdrawn/transferred by the bank through the issuance of a cheque/ATM card/i-Banking/Islamic wallet. Furthermore, various account information can be obtained via i-Banking/SMS/Islamic wallet. Charges are levied in accordance with the bank’s prevailing list.
  7. Profit will be applicable as per Bank policy and management decision.
  8. Twice a week, four times a month, and every time the 1/4 portion of the deposit or 50,000 BDT or less can be withdrawn without notice. To withdraw an amount exceeding the mentioned limit, notice must be given seven days in advance. If the withdrawal is made with notice, it is considered for profit, otherwise, the profit is not paid for that month.
  9. The bank provides account statements/certificates free of charge on a monthly and annual basis. In addition, the bank may provide account statements upon the customer’s request, subject to specified charges. If no written complaint is received within thirty days, the account status is considered correct.
  10. Government taxes, VAT, etc., on deposits are deducted from the depositor’s account according to the law.
  11. Deposits can be made at any time during the month. However, the balance as of the last date from the 6th to the end of the month is considered for profit payment.
  12. The bank reserves the right to take any necessary measures to prevent money laundering in accordance with anti-money laundering laws.
  13. The bank reconciles the customer’s account with care. If any financial discrepancies occur due to an inadvertent error, the bank reserves the right to rectify them. The bank retains the right to close any account at any time without prior notice or reason, excluding the right of third parties to transfer funds.
  14. In case of the death of the account holder or holders, the contract with bank is considered void. The nominated person/nominees must provide necessary documents/certificates for the payment of the deposited money. The transactions related to the account remain suspended with the bank immediately upon receiving news of the depositor’s death. However, profits are paid on the deposited amount according to the bank’s circular and the prevailing laws of the country. The deposited funds of the deceased person are transferred to the nominee, providing valid evidence and documentation to the bank based on its circular and the laws of the country.
  15. If there is an instruction to stop payment on a cheque or if there is a legal restriction, the bank records it with caution. The bank will always exercise caution regarding Positive Payment and take necessary steps to prevent cheque fraud. However, customers should also exercise caution when accepting Positive Payment and refrain from participating in fraudulent cheque collections.
  16. If there is any debt and dues owed to the bank, the bank reserves the right to use the General Lien/Banker’s Lien on the credit position held by the bank and to preserve the bank’s right to recover the debt and dues by using any lawful means.
  17. Any account with a court attachment order or a prohibition order from the appropriate authority in the field of account management will be marked separately, and account management will be suspended until the prohibition order is lifted.
  18. In case of a court order, government directive, central bank order, or any other relevant authority’s request, the bank may provide necessary account information without the customer’s consent.
  19. Any dispute related to the account, except for the mentioned rules, will be resolved according to the prevailing laws and regulations of the country.
  20. The bank reserves the right to make changes, amendments, modifications, or cancellations in any rules related to account management as deemed necessary. The account holder is obliged to comply with such changes.
  21. The bank preserves the right to close any account at any time without any notice or reason shown.
  22. According to the Bank Company Act of 1991, any account with no transactions for ten years or more or as per changes in the law from time to time is considered unclaimed, and the bank transfers the balance to Bangladesh Bank.
  23. If Bank management, Central Bank, NBR or other government regulatory body applies any new rule and ask for any new documents, the client is obliged to provide the documents.
  24. Do not share your OTP with anyone to ensure security.

Questions About This Privacy Policy:
If you have any other queries concerning your Information, please contact our Call Centre or e-mail us, at the contact number and address as specified.

Address: Head Office, Al-Arafah Tower, 63, Purana Paltan, Dhaka-1000.

Call Centre Number: 16434 (local) or +8809611016434 (local or abroad)

Email: info@aibl.com.bd or ibs@aibl.com.bd

Website:  www.aibl.com.bd