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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="utf-8"/>
<meta name="viewport" content="width=device-width, initial-scale=1"/>
<title>Amwal Bank Installments — End‑User Guide</title>
<meta name="description" content="Learn how Amwal Bank Installments work: eligibility, plans, payments, FAQs, and examples."/>
<script type="module" src="https://cdn.jsdelivr.net/npm/amwal-checkout-button@latest/dist/checkout/checkout.esm.js"></script>
<style>
:root {
--brand: #128c4b;
/* Amwal green (approx) */
--ink: #0b1220;
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background: #e8f5ee;
color: #0f5532;
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font-weight: 600;
font-size: 12px;
letter-spacing: .2px
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white-space: nowrap
}
.title {
font-size: clamp(28px, 3vw, 40px);
line-height: 1.1;
margin: 12px 0 8px
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.subtitle {
color: var(--muted);
font-size: clamp(14px, 2vw, 18px)
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.hero-card {
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padding: 18px 18px
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padding: 12px;
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.kpi svg {
flex: 0 0 20px
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summary {
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.inline-icon {
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a {
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.lang-en {
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.lang-ar {
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html[lang="ar"] .lang-ar {
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.topbar {
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.topbar-inner {
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[dir="rtl"] .steps li {
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[dir="rtl"] .list li {
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[dir="rtl"] summary {
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</style>
</head>
<body>
<div class="topbar">
<div class="topbar-inner">
<a class="brand" href="https://amwal.tech" target="_blank" rel="noopener noreferrer">
<img class="brand-logo"
src="https://cdn.prod.website-files.com/62294ce746440b7bc08b4fc5/624352eb48193d537d329386_1-2.png"
alt="Amwal logo">
</a>
<div class="lang-controls">
<label for="langSel" class="lang-en">Language:</label>
<label for="langSel" class="lang-ar">اللغة:</label>
<select id="langSel" class="lang-select" aria-label="Language selector">
<option value="en" selected>English</option>
<option value="ar">العربية</option>
</select>
</div>
</div>
</div>
<!-- ================= ENGLISH ================= -->
<div class="lang-en">
<header class="hero">
<div class="container hero-inner">
<div>
<span class="badge" aria-label="Guide badge">End‑User Guide</span>
<h1 class="title">Amwal Bank Installments</h1>
<p class="subtitle">Split eligible purchases into easy monthly payments with your own bank—no upfront
down
payment.</p>
<div class="hero-card">
<div class="kpis">
<div class="kpi">
<svg width="30" height="30" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<path d="M20 6 9 17l-5-5" stroke="#128c4b" stroke-width="2" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
<div><strong>95% approval rate</strong><br/><span class="muted">Fast decisions for eligible
cards</span></div>
</div>
<div class="kpi">
<svg width="30" height="30" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<circle cx="12" cy="12" r="9" stroke="#128c4b" stroke-width="2"/>
<path d="M12 7v5l4 2" stroke="#128c4b" stroke-width="2" stroke-linecap="round"/>
</svg>
<div><strong>3, 6, 12‑month plans</strong><br/><span
class="muted">Depending on your bank</span></div>
</div>
<div class="kpi">
<svg width="30" height="30" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<path d="M4 7h16M4 12h16M4 17h10" stroke="#128c4b" stroke-width="2"
stroke-linecap="round"/>
<rect x="3" y="5" width="18" height="14" rx="3" stroke="#128c4b" stroke-width="2"/>
</svg>
<div><strong>Earn rewards & card points</strong><br/><span class="muted">Keep your card benefits</span>
</div>
</div>
<div class="kpi">
<svg width="30" height="30" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<path d="M12 3v18M5 9h14M5 15h14" stroke="#128c4b" stroke-width="2"
stroke-linecap="round"/>
<rect x="3" y="5" width="18" height="14" rx="3" stroke="#128c4b" stroke-width="2"/>
</svg>
<div><strong>Use up to 90% of card limit</strong><br/><span class="muted">Subject to bank policy</span>
</div>
</div>
</div>
</div>
</div>
<div>
<div class="card">
<h3>At a glance</h3>
<ul class="list">
<li><span class="dot"></span> No upfront down payment required</li>
<li><span class="dot"></span> First installment typically due in <strong>30–55 days</strong>
</li>
<li><span class="dot"></span> Bank converts your purchase into installments within <strong>2–4
days</strong></li>
</ul>
<p class="notice" role="note">Your full purchase amount must be available in your credit card limit
at the
time of checkout. Your available limit will be reduced by that amount immediately.</p>
</div>
</div>
</div>
</header>
<main class="container">
<section class="grid">
<div class="card">
<h2>How it works</h2>
<ol class="list steps">
<li>Select <strong>Amwal Bank Installments</strong> at checkout.</li>
<li>Choose your bank and the plan length (3, 6, or 12 months).</li>
<li>Pay using the credit card associated with that bank, or Apple Pay (linked to that card).</li>
<li>Your bank converts the purchase into monthly installments after approval.</li>
</ol>
</div>
<div class="card">
<h2>Monthly payments</h2>
<p>Installments are <strong>automatic</strong>: they're either debited from your bank balance or added
to your
card's monthly statement. No extra action is required from you.</p>
<p class="notice">Minimum purchase amounts for installments are set by each bank and merchant.</p>
</div>
</section>
<section class="grid">
<div class="card example">
<h2>Examples</h2>
<div class="pair">
<h3>Al Rajhi Bank — Equal Monthly Installments</h3>
<p>A 6,000 SAR purchase is divided into equal monthly payments across your selected plan.</p>
<amwal-installments-timeline amount="6000" installments-count="12" enable-installments="true" locale="en" border="false" timeline-style="default" footer-message="" debug="false"/>
</div>
<div class="pair">
<h3>Saudi National Bank — 5% Monthly Installments</h3>
<p>Across a 12‑month plan, you pay <strong>5% of the total</strong> each cycle. At the end of the
term, the
remaining balance becomes due.</p>
<amwal-installments-timeline amount="6000" installments-count="12" enable-installments="true" locale="en" border="false" timeline-style="default" footer-message="" debug="false" installment-data='[{"amount":"300.00","dueDate":"2025-11-08","status":"upcoming","installmentNumber":1},{"amount":"300.00","dueDate":"2025-12-08","status":"upcoming","installmentNumber":2},{"amount":"300.00","dueDate":"2026-01-08","status":"upcoming","installmentNumber":3},{"amount":"300.00","dueDate":"2026-02-08","status":"upcoming","installmentNumber":4},{"amount":"300.00","dueDate":"2026-03-08","status":"upcoming","installmentNumber":5},{"amount":"300.00","dueDate":"2026-04-08","status":"upcoming","installmentNumber":6},{"amount":"300.00","dueDate":"2026-05-08","status":"upcoming","installmentNumber":7},{"amount":"300.00","dueDate":"2026-06-08","status":"upcoming","installmentNumber":8},{"amount":"300.00","dueDate":"2026-07-08","status":"upcoming","installmentNumber":9},{"amount":"300.00","dueDate":"2026-08-08","status":"upcoming","installmentNumber":10},{"amount":"300.00","dueDate":"2026-09-08","status":"upcoming","installmentNumber":11},{"amount":"300.00","dueDate":"2026-10-08","status":"upcoming","installmentNumber":12}]'/>
</div>
</div>
</section>
<section>
<h2>FAQs</h2>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
Do I earn card rewards and points?
</summary>
<div class="faq-body">
<p>Yes. You continue to earn your credit card rewards and points on eligible installment purchases,
as per
your bank's policy.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
When is my first payment due?
</summary>
<div class="faq-body">
<p>Typically within <strong>30–55 days</strong> from the purchase date, depending on your bank's
billing
cycle.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
Does my card limit change?
</summary>
<div class="faq-body">
<p>Yes. Your available credit limit is reduced by the full purchase amount at checkout. After
conversion to
installments, it may replenish as you pay installments (subject to bank policy).</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
Which plans are available?
</summary>
<div class="faq-body">
<p>Common options are <strong>3, 6, and 12 months</strong>. Availability depends on your issuing
bank and
the merchant.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
How quickly does the bank convert my purchase?
</summary>
<div class="faq-body">
<p>Usually within <strong>2–4 days</strong> after a successful checkout.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
Why was my installment request rejected?
</summary>
<div class="faq-body">
<ul class="list">
<li><span class="dot"></span> Card isn't eligible for installments</li>
<li><span class="dot"></span> More than four active installment plans on the same card</li>
<li><span class="dot"></span> Using loaded/temporary balance to try to increase card limit</li>
<li><span class="dot"></span> Requests are subject to the issuing bank's terms & conditions</li>
</ul>
</div>
</details>
</section>
<footer>
<p>© <span id="year-en"></span> Amwal. Information provided for customer guidance; actual eligibility,
limits,
and plans are determined by your issuing bank and merchant.</p>
</footer>
</main>
</div>
<!-- ================= ARABIC ================= -->
<div class="lang-ar">
<header class="hero">
<div class="container hero-inner">
<div>
<span class="badge" aria-label="Guide badge">دليل المستخدم</span>
<h1 class="title">أقساط البنوك من أمـوال</h1>
<p class="subtitle">قسّم مشترياتك المؤهلة إلى دفعات شهرية ميسّرة مع بنكك — دون دفعة مقدّمة.</p>
<div class="hero-card">
<div class="kpis">
<div class="kpi">
<svg width="20" height="20" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<path d="M20 6 9 17l-5-5" stroke="#128c4b" stroke-width="2" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
<div><strong>معدل موافقة يتجاوز %95</strong><br/><span class="muted">قرارات سريعة للبطاقات
المؤهلة</span></div>
</div>
<div class="kpi">
<svg width="20" height="20" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<circle cx="12" cy="12" r="9" stroke="#128c4b" stroke-width="2"/>
<path d="M12 7v5l4 2" stroke="#128c4b" stroke-width="2" stroke-linecap="round"/>
</svg>
<div><strong>خطط 3 أو 6 أو 12 شهراً</strong><br/><span class="muted">حسب بنكك</span></div>
</div>
<div class="kpi">
<svg width="20" height="20" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<path d="M4 7h16M4 12h16M4 17h10" stroke="#128c4b" stroke-width="2"
stroke-linecap="round"/>
<rect x="3" y="5" width="18" height="14" rx="3" stroke="#128c4b" stroke-width="2"/>
</svg>
<div><strong>اكسب المكافآت ونقاط البطاقة</strong><br/><span class="muted">احتفظ بمزايا بطاقتك</span>
</div>
</div>
<div class="kpi">
<svg width="20" height="20" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<path d="M12 3v18M5 9h14M5 15h14" stroke="#128c4b" stroke-width="2"
stroke-linecap="round"/>
<rect x="3" y="5" width="18" height="14" rx="3" stroke="#128c4b" stroke-width="2"/>
</svg>
<div><strong>حتى 90% من حد البطاقة</strong><br/><span
class="muted">وفقاً لسياسة البنك</span></div>
</div>
</div>
</div>
</div>
<div>
<div class="card">
<h3>نظرة سريعة</h3>
<ul class="list" direction="rtl">
<li><span class="dot"></span> لا توجد دفعة مقدّمة</li>
<li><span class="dot"></span> أول دفعة عادةً خلال <strong>30–55 يوماً</strong></li>
<li><span class="dot"></span> يحوّل البنك العملية إلى أقساط خلال <strong>2–4 أيام</strong></li>
</ul>
<p class="notice" role="note">يجب أن يكون كامل مبلغ الشراء متاحاً ضمن حد بطاقتك الائتمانية عند
الدفع. سيتم
حجز المبلغ كاملاً من حدك المتاح فوراً.</p>
</div>
</div>
</div>
</header>
<main class="container">
<section class="grid">
<div class="card">
<h2>كيف تعمل؟</h2>
<ol class="list steps">
<li>اختر <strong>أقساط أمـوال البنكية</strong> عند الدفع.</li>
<li>اختر بنكك ومدة الخطة (3 أو 6 أو 12 شهراً).</li>
<li>ادفع بالبطاقة المرتبطة بذلك البنك، أو عبر Apple Pay المرتبط بالبطاقة نفسها.</li>
<li>بعد الموافقة، يحوّل البنك الشراء إلى أقساط شهرية.</li>
</ol>
</div>
<div class="card">
<h2>الدفعات الشهرية</h2>
<p>تُخصم الدفعات <strong>تلقائياً</strong> من رصيدك البنكي أو تُضاف إلى كشف بطاقتك الشهري. لا يلزمك أي
إجراء
إضافي.</p>
<p class="notice">الحد الأدنى لقيمة الشراء للتقسيط يحدده كل بنك والتاجر.</p>
</div>
</section>
<section class="grid">
<div class="card example">
<h2>أمثلة</h2>
<div class="pair">
<h3>مصرف الراجحي — أقساط شهرية متساوية</h3>
<p>يُقسَّم شراء بقيمة 6,000 ريال سعودي إلى دفعات شهرية متساوية حسب الخطة التي تختارها.</p>
<amwal-installments-timeline amount="6000" installments-count="12" enable-installments="true" locale="ar" border="false" timeline-style="default" footer-message="" debug="false"/>
</div>
<div class="pair">
<h3>البنك الأهلي السعودي — أقساط 5% شهرياً</h3>
<p>ضمن خطة 12 شهراً، تدفع <strong>5% من الإجمالي</strong> في كل دورة. وفي نهاية المدة يُسدد الرصيد
المتبقي.
</p>
<amwal-installments-timeline amount="6000" installments-count="12" enable-installments="true" locale="ar" border="false" timeline-style="default" footer-message="" debug="false" installment-data='[{"amount":"300.00","dueDate":"2025-11-08","status":"upcoming","installmentNumber":1},{"amount":"300.00","dueDate":"2025-12-08","status":"upcoming","installmentNumber":2},{"amount":"300.00","dueDate":"2026-01-08","status":"upcoming","installmentNumber":3},{"amount":"300.00","dueDate":"2026-02-08","status":"upcoming","installmentNumber":4},{"amount":"300.00","dueDate":"2026-03-08","status":"upcoming","installmentNumber":5},{"amount":"300.00","dueDate":"2026-04-08","status":"upcoming","installmentNumber":6},{"amount":"300.00","dueDate":"2026-05-08","status":"upcoming","installmentNumber":7},{"amount":"300.00","dueDate":"2026-06-08","status":"upcoming","installmentNumber":8},{"amount":"300.00","dueDate":"2026-07-08","status":"upcoming","installmentNumber":9},{"amount":"300.00","dueDate":"2026-08-08","status":"upcoming","installmentNumber":10},{"amount":"300.00","dueDate":"2026-09-08","status":"upcoming","installmentNumber":11},{"amount":"300.00","dueDate":"2026-10-08","status":"upcoming","installmentNumber":12}]'/>
</div>
</div>
</section>
<section class="FAQ">
<h2 direction="rtl">الأسئلة الشائعة</h2>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
هل أكسب مكافآت ونقاط البطاقة؟
</summary>
<div class="faq-body">
<p>نعم. تستمر في كسب مكافآت البطاقة ونقاطها على المشتريات المؤهلة للتقسيط وفق سياسة بنكك.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
متى موعد أول دفعة؟
</summary>
<div class="faq-body">
<p>عادةً خلال <strong>30–55 يوماً</strong> من تاريخ الشراء، بحسب دورة الفوترة في بنكك.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
هل يتغير حد بطاقتي؟
</summary>
<div class="faq-body">
<p>نعم. يُحجز كامل مبلغ الشراء من حد بطاقتك المتاح عند الدفع. وبعد التحويل إلى أقساط قد يعود الحد
للتزايد مع
سدادك للأقساط (وفق سياسة البنك).</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
ما الخطط المتاحة؟
</summary>
<div class="faq-body">
<p>الخيارات الشائعة هي <strong>3 أو 6 أو 12 شهراً</strong>. وتختلف الإتاحة حسب البنك المُصدر
والتاجر.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
كم يستغرق تحويل الشراء إلى أقساط؟
</summary>
<div class="faq-body">
<p>عادةً خلال <strong>2–4 أيام</strong> بعد إتمام الشراء بنجاح.</p>
</div>
</details>
<details>
<summary>
<svg width="14" height="14" viewBox="0 0 24 24" aria-hidden="true">
<path d="M8 5l8 7-8 7" stroke="currentColor" stroke-width="2" fill="none" stroke-linecap="round"
stroke-linejoin="round"/>
</svg>
لماذا رُفض طلب التقسيط؟
</summary>
<div class="faq-body">
<ul class="list">
<li><span class="dot"></span> البطاقة غير مؤهلة للتقسيط</li>
<li><span class="dot"></span> وجود أكثر من أربع خطط تقسيط نشطة على البطاقة نفسها</li>
<li><span class="dot"></span> استخدام رصيد مُحمّل/مؤقت لمحاولة زيادة الحد</li>
<li><span class="dot"></span> الطلبات خاضعة لشروط وأحكام البنك المُصدر</li>
</ul>
</div>
</details>
</section>
<footer>
<p>© <span id="year-ar"></span> أمـوال. المعلومات لغرض الإرشاد؛ الأهلية والحدود والخطط يحدّدها البنك المُصدر
والتاجر.</p>
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