A Dinarak Account is a safe and cost-effective way to transfer money, and pay for goods and services, using your mobile phone. With a Dinarak Account, your money is securely stored on your phone in a virtual electronic wallet, uniquely identified by your mobile phone number.

Anyone with a mobile phone subscription on a Jordanian mobile network (Orange, Umniah or Zain) can open a Dinarak Account, subject to identification checks.

So Jordanian Nationals, Non-Jordanians, tourists and refugees can all open accounts. Even minors can have an account via a custodian.

No, a bank account is not required. All transactions are available simply by using your mobile phone.

Yes. Dinarak Accounts are available on any type of mobile phone handset operating on a Jordanian network.

You can register for an account by visiting any official Dinarak Agent, or any of Dinarak’s own outlets.

1. The agent/employee will provide you with an account registration form.

2. Complete the form, carefully reading the account terms and conditions.

3. Sign and return the completed form to the agent/employee, along with your initial deposit amount and the identification documents required for registration. Jordanian Nationals need to provide a National ID Card. Non-Nationals need their passport, and refugees will need their United Nations ID card.

4. The agent/employee will register your details and open your account. You will also receive an SMS activation code, which you will need to complete the registration of the account.

5. You will now need to activate your account using the Dinarak Mobile App.

A Dinarak Agent is an individual or business who is authorized by Dinarak to provide basic services to customers, such as account opening and cash deposits and withdrawals. Agents can also provide education to customers about using their accounts.

All our agents are recruited via a strict selection and due diligence process. They are fully trained on Dinarak’s systems and are regularly monitored for quality assurance.

An agent is identified by the Dinarak Logo and a unique Agent Number, which will both be clearly displayed at the Agent’s location. You can check if an agent is officially authorized by calling the Dinarak Customer Service Centre and quoting the unique Agent Number.

No, it is free to open a Dinarak Account, even with the minimum initial balance of 1JD.

With a Dinarak Account you can perform the following transactions:

• Send money to other Dinarak Account holders
• Pay bills & utilities through eFAWATEERCOM integration
• Pay for goods and services at merchants and retailers
• Pay for goods and services online (through eFAWATEERCOM)
• Deposit money into your Dinarak Account
• Check your Dinarak Account current balance
• Withdraw Cash from Agents or ATMs nationwide

To fund your Dinarak Account, please visit a Dinarak Agent or any Dinarak outlet:

1. Provide the agent with your mobile number and the cash amount you wish to deposit.
2. Fill in and sign the deposit form.
3. The agent will credit your account with the total amount of the deposit.
4. You will receive an SMS notification of the transaction, showing your new balance.

The balance limit for an individual Dinarak Account is 2000JD.

No, you do not have to maintain any minimum balance.

You can check your balance anytime via your mobile handset.

You can also check your balance by calling our Customer Service Centre.

You can withdraw money from official Dinarak Agents, or from an ATM – anywhere you see the Dinarak and JoMoPay logo or sign.

Making a withdrawal from ATMs:

1. At the ATM screen, select “Cardless Transaction through JoMoPay” and then select “Cash Out” service.
2. Enter your phone number on the ATM screen.
3. A unique voucher code (one-time password) for the withdrawal will be sent to your phone via SMS.
4. Enter your PIN and the voucher code on the screen.
5. Providing you have sufficient funds in your account, the ATM will release your cash for withdrawal.

Making a withdrawal from a Dinarak Agent:

1. On the Dinarak App main menu, choose the ‘Cash Out’ option
2. Enter the amount you wish to withdraw, plus the Dinarak Agent’s number, and send.
3. The Agent will receive a pending ‘cash out’ request on the Agent’s App.
4. Subject to availability of funds, the Agent will accept the request and issue your cash.

If you have sufficient funds in your account, you can withdraw up to 100 Jordanian Dinar from an ATM in any one transaction, subject to a maximum of 4 withdrawals daily.

At a Dinarak Agent, you can withdraw up to your wallet balance, subject to the available funds of the agent.

Limits are shown on our website per agent, and will be visible at the agent’s location.

Using the Dinarak Mobile App:

1. From the App main menu, choose ‘Money Transfer’
2. You will be taken to the Money Transfer Input screen where you can fill in the details to make the transfer – then click ‘Process to send’.
3. If the transaction is successful, you will be shown a confirmation message, followed by an SMS summary of the transaction and your new balance.

You can pay at any retailer or merchant who is registered to accept Dinarak payments. Any business registered with Dinarak should have the Dinarak logo displayed clearly at entrances or at tills, points of sale etc.

At any premises where a payment terminal is present, you can pay using your phone number and PIN (you will also be requested to enter your PIN on the Mobile App to confirm the purchase).

To pay bills, there is also an option in the Mobile App specifically for this purpose – ‘Bill Payment’.

Transactions are usually instantaneous, and you will receive notification of your transaction within seconds.

You will receive a confirmation SMS after each transaction, showing the transaction details and your new account balance.

Please contact the Dinarak Customer Service Centre to check on the transaction.

Yes, transaction limits apply to Dinarak Accounts, and are officially set by the Central Bank of Jordan. Full details of these limits are explained in your customer contract which you receive when opening your account – and are also available on our website.

No. You are only charged small fees when using your Dinarak Account for certain payment and transfer services. Full details of these charges are listed in your Customer Contract, which you receive when you register your Dinarak Account. Many services are provided at no cost to you.

You can have a total of two active Dinarak Accounts, but each of the accounts must be registered to a unique mobile phone number.

All responsibilities for transactions lie with the customer sending the transaction, because the customer inputs the recipient’s account number and the amount of money, and also confirms the transaction by providing the PIN. Before entering your PIN, please check and verify the information you have entered.

Your money is stored safely in your Dinarak Account, and secured by your personal PIN. A record of your money and all your transactions is also maintained by the Central Bank of Jordan, who ensure the strictest possible security standards are applied.

All transactions using a Dinarak Account need to be verified by your personal account PIN which is known only to you. As long as you keep your PIN private, and do not disclose it to anyone, your account will be secure.

If you believe your account PIN has been disclosed to another person or compromised, you should change your pin via your handset and call our Service Centre to check your recent transactions.

Dinarak is a licensed Payment Service Provider on the Central Bank of Jordan’s ‘JoMoPay’ system. JoMoPay is operated and regulated by the Central Bank of Jordan.

Changing your PIN with the Dinarak Mobile App is simple. From the main menu select ‘Change PIN’ – you will need to enter your existing PIN, then your new PIN twice to confirm. You will then receive an SMS confirming the change has been accepted.

Please contact the Dinarak Customer Service Centre.

If you enter the wrong PIN 3 times consecutively, your PIN will be temporarily blocked. If this happens please contact the Dinarak Customer Service Centre to prove your identity and to have the PIN unblocked or reset.

In the event you lose your phone, please call the Dinarak Customer Service Centre as soon as possible to block your Dinarak Account.

You can then download the Dinarak Mobile App onto a new phone – where you can deactivate the old phone, and activate the new phone, via the main app menus.

If you change your mobile number, please contact the Dinarak Customer Service Centre or visit an official Dinarak Agent – they will be able to help you open a new account using your new number – and transfer your old remaining balance to your new account.

In the event of money being transferred to an unintended account, Dinarak has no authority to reimburse the customer without the direction of the court, or the consent of the unintended recipient.

No, you will not be able to use your Dinarak Account if this happens. However, you can call our Customer Service Centre and arrange for closure of your account and withdrawal of your funds.

Alternatively, you can open a new account with a different number, and our Customer Service Team will be able to transfer your old balance to your new account.

You can access your account from overseas, to check your balance and make transactions such as money transfers & bill payments.

If you lose your phone overseas, you can still access your account using a new mobile phone or device, even if the new device is subscribed on a foreign network. You will need to call customer services to block your lost device - then simply download the Dinarak Mobile App onto your new device, request a new activation code, then follow the registration process using your original phone number (which acts as your unique reference for your Dinarak Account).

You will need to visit a Dinarak outlet or office to provide us with your identification documents, and to fill and sign a cancellation form. One of our team will then be able to close your account, and arrange for the withdrawal of your funds. You will also need to sign for the cancellation at any Dinarak outlet.

You can contact our Service Centre by phone or email:

Email: info@dinarak.com
Phone: 0776060611 or 064724040

Our Service Centre is always open for your enquiries, and ready to support you 24 hours a day, 7 days a week, 365 days a year.

A Dinarak Agent is an individual or business who is authorized by Dinarak to provide basic services to customers, such as account opening and cash deposits and withdrawals. Agents also provide education to customers about using their accounts.

Anyone is welcome to make an application – but there are some minimum requirements that applicants will need to meet, to be successful. Please contact us for more details.

If your application is successful, one of our team of Agent Supervisors will be assigned to you, and will support you through the process, which will cover the opening of your Agent Account, and any training or technical set-up required.

Typically, the onboarding process takes a few weeks.

There is no fee required to become an Agent.

You make money based on commissions for registering new customers, and for certain transactions that customers perform with your assistance, e.g. cash withdrawals.

The more customers you sign, and the more transactions you do, the more money you will make. When you become a new Dinarak Agent, one of our Please contact us for further information about commission rates.

Agent Accounts can be managed very simply, using our Agent App on your mobile phone. During our onboarding process for new agents, we also supply any posters or signs required for your location (to identify you as a Dinarak Agent) and an Agent Start-Up Kit for those who need it, so you will have all the materials you need to be operational.

After you become a Dinarak Agent, your assigned Agent Supervisor will visit you regularly to make sure everything is working well, and to address any issues you might have. You can also call Dinarak Customer Services for advice.

New customers are registered via a simple form. You will be given copies of the form as part of your Agent Start-Up Kit. The customer also needs to show you the required ID documents, which you copy/scan/photograph to send along with the application

Simply select the ‘Cash In’ option on the main menu of the Dinarak Agent App. You will need to enter the mobile number of the recipient (or choose from contacts in your phone book), select the amount of the deposit you receive from the customer, and enter your PIN code.

Select the ‘Cash Out’ option on the main menu of the Dinarak Agent App. Enter the amount of the withdrawal and click on ‘Generate’. This will display a QR Code on the screen. When your customer scans the code with their phone, the transaction is completed and you can give the customer their cash.

This can be done using the ‘Balance Enquiry’ button on the Dinarak Agent App. Simply enter your PIN code and your balance is displayed instantly.

Via the Dinarak Agent App, you can see a mini-statement of recent transactions, showing details of each transaction including the commission earned.

Dinarak has a full liquidity management solution for Agents, which can be tailored to the needs of your individual business (depending on your typical transaction volumes). Your Agent Supervisor will discuss this with you when you become an agent, as part of the onboarding process.