IFIC AAMAR Account introduced by IFIC Bank is a unique transactional account where you can deposit your savings as well as can avail of Loan facilities when you want. IFIC Bank is the first one who comes with this kind of account in Bangladesh, which reduces your hazards of account opening for taking loans and also reduces your account operation cost with lots of attractive benefits.
Features IFIC Aamar Account
- Interest bearing current account for all types of individual customer
- Deposit and Loan (Overdraft) facility is available against a single account
- Slab-wise attractive interest rate.
- Interest is calculated daily and paid monthly.
- Same Card can serve the purpose of Debit & Credit card.
- Cash withdrawal from all Bank’s ATM throughout the country is free of charge.
- Dual currency facility of debit card.
- Same Cheque book can be used for withdrawal of Deposit and Overdraft amount.
- Unlimited number of transactions can be conducted in account Overdraft facility is given to credit worthy individuals upon necessary credit assessment Features of Overdraft for “AAMAR Account”
- Alternative to Credit Card facility
- Low Interest Rate (Almost one third of conventional Credit Cards)
- No hidden charges.
Read Also: IFIC Bank Aamar Bari home loan.
Mandatory Documents for IFIC Amar Account
- Photo of Applicant – 2 copies.
- Copy of National ID/Smart ID of the Applicant.
- If NID /Smart ID is not available, introducer is mandatory and an account can be opened by using applicant’s any of these documents (verified by original copy).
- Passport
- Birth Certificate
- Driving License
- Employee ID
- Letter of Introduction from the company (For Payroll Customers only)
Optional Documents for IFIC Amar Account
- Copy of TIN (if available)
- Proof of source of fund
- Proof of business
Nominee for IFIC Amar Account
In case of nominee (not mandatory):
- 1 copy of photo
- Photocopy of any ID
- Legal guardian’s Photo ID and Photograph (If the nominee is minor)
For Joint Account
- All mandatory documents, mentioned above, are required for each customer of the joint account
Additional Documents are required for the overdraft facility
- Copy of TIN
- Bank Statement (6 months for Salaried and Self-employed persons & 12 months for Businessman category).
- Salary certificate/ Letter of Introduction is required for all salaried customers other than IFIC payroll
- Copy of Trade License (Only for Businessman Category)
Charges for AAMAR Account:
| General Customers: | |
| Account Maintenance Fee (half yearly) | Tk. 300 + VAT |
| Debit Card [yearly; upfront realization] | Tk. 500 + VAT |
| Closing of Account | Tk. 300 + VAT |
| Payroll Customers: | |
| Account Maintenance Fee | Free |
| Debit Card [yearly; upfront realization] | 1st year Free; From 2nd year Tk. 500 + VAT |
| Cheque Book | 1st Cheque book with 20 leaves: Free (From next cheque book: Tk. 7 per leaf + 15% VAT) |
| Closing of Account | Free |
| SMS charges | |
| SMS alert charge other than IFIC Shohoj & Student A/C (half-yearly) | Tk. 150 + VAT |
| Aamar Account OD (Secured) | |
| Loan origination/processing fee | 0.50% of loan but Max. Tk. 10,000 For existing Aamar Bari Customers: Nil |
| Renewal fee | 0.25% of loan but Max. Tk. 5,000 |
| Distortion charge | Tk. 5,000 Disbursed loan & existing Aamar Bari customer: Nil |
| Early Settlement (Own source/Takeover) | Nil |
| Aamar Account OD (Unsecured) | |
| Loan origination/processing fee | 0.50% of loan but Max. Tk. 2,500 |
| Renewal fee | 0.25% of loan but Max. Tk. 1,250 |
| Distortion charge | Nil |
| Early Settlement (Own source/Takeover) | Nil |
FAQs:
01. Can anyone apply for opening IFIC AAMAR Account?
Yes. Any Bangladeshi Citizen who has the required documents for opening an account can apply for IFIC AAMAR Account.
03. Is IFIC AAMAR Account cardholders have to any charges to withdraw from other bank ATMs?
You can withdraw your deposit from any bank ATM within the country fully free of charge.
02. Is IFIC AAMAR Account have the facility to open an account online?
Yes. You can open an IFIC AAMAR Account from home. Just click here https://digitalaof.ificbankbd.com/ and fill up mandatory fields.
04. What is the loan amount for IFIC AAMAR Account?
The amount will be allowed for secured loans up to 20.00 lac and for unecured loans up to 5.00 lac.