Welcome to Blink!

Blink is a digital bank that offers banking services through their mobile application on smartphones, without having a physical presence or branches. All interactions with Blink occur through the application, or through the engagement team, who are ready to serve you with just a tap through the chat or Call features within the app accessible through data from anywhere in the world and around the clock, or by directly calling 065200100.

Download the Blink app from the App Store or Google Play by searching “The Blink”.

After you download the Blink app, the first screen you will see is the login screen. Swipe up to join our family, and here you will be able to register your account using your email. Follow the simple steps to complete the process of opening your account. Today, Blink is only available for Jordanians, but soon, it will also be available to non-Jordanian citizens. Do not allow anyone to register your account, because this is a real bank account, and your personal information is not supposed to be shared with anyone, no matter who he/she is. This will prevent the person from using your account. Blink or any of our employees will not ask you to provide any confidential information about your account (i.e., password, OTP codes). It is very important that you input accurate information when opening your account.

You would only need a valid Jordanian ID. The steps for opening the account are very simple and with a unique digital experience. You would need to enter a valid email, phone number, create a password, enter the OTP code (which you will receive via text message to your mobile), scan the ID, take a live photo on the mobile app, and provide some personal and employment information.

Today, Blink is only available for Jordanian citizens who have a valid Jordanian ID. Blink is not currently available for the noncitizens of Jordanian mothers, military personnel, and temporary ID holder. However, within months, it will be available to all Jordanians, and then to non-Jordanian citizens.

1. Use your Yellow Sun debit card for cash withdrawals from any Capital Bank ATM for free!

2. Use your Yellow Sun debit card to withdraw from other Bank’s ATMs, locally or internationally, however you may be subject to certain fees by these banks.

3. Withdraw from any Capital Bank ATM without the physical Yellow Sun debit card for free (Cardless).

4. Use your Yellow Sun debit card for purchases using the POS machines at merchants.

* To find out how to use your Rebellious Red credit card, follow the next questions.

• When you first open your account, you are immediately issued a virtual debit card.

• Because it is a virtual card, you can immediately start using it through online purchases, however, of course, you must deposit money into the card, as it’s linked to your account. There are no fees for issuing the physical card.

• To use the card online, before receiving your physical card, click on the “flip” option at the top right corner of your card on the app to reveal all details needed to buy online.

• Soon we will activate the service of requesting the tangible card from within the application, however, for the time being, you can call our engagement team at 065200100, press number 5 for the option to request the card. After that, you can press number 1 to confirm and place the order, and we will print the card immediately and deliver it to your door for free.

• Aramex will contact you to deliver the card.

• It is possible to use the card for online purchases, and deposits and withdraws from Capital Bank ATMs without having the physical card. It is also possible to transfer money into the account from other banks. The physical card has now become optional according to your need.

• Do not forget to click the button “received my card” on the application upon the delivery of your card because when we issue the card, the contactless limit is not activated until you receive it. After confirming that you received your card, the contactless limit becomes 150 JODs for transactions without requiring the PIN – meaning, any transaction above the 150 JOD limit, you will be required to enter the PIN into the POS machine.

• Contactless payments without entering the PIN: 150 JODs per day

• Cash withdrawal: 5,000 JODs per day

• Merchant payments: 5,000 JODs per day

You can control the limits through the application by clicking on “Card Settings”

A digital bank does not mean you cannot reach out for help. You can contact us through the app, either by calling us, or through the chat, without the need to verify your identity. In case you are having trouble accessing the app, you can call our engagement team at 06-5200100, where you will need to answer some questions to verify your identity and to allow us to help you and meet your needs.

Unfortunately, Capital Bank’s customer service center and branches will not be able to help you due to the separate operations and regulations between the two banks. They can only answer some questions, so it is better to contact the Blink team.

It is true that we are a different bank, however we are a bank subject to the Central bank of Jordan’s regulations. Because we are a fully digital bank, we have invested in the latest advanced technology, and we have ensured that we comply with all global standards of cybersecurity and data protection. We have checked the Blink app many times to make sure it is safe and solid. We use 2 factor authentication to verify your identity and if we have any doubts, we will contact you. We will never ask you to provide us with your PIN or the OTP sent to your phone in any channel or form. Our emails to you only include news and new information, however never asking you to provide us with any information through email. We send you notifications using messages only and do not ask for any information through them. You can speak with our engagement team at any time from within the application (this way we can verify your information by contacting us through the app). If you use the number 065200100 to speak with the engagement team, you will be required to answer some questions to verify your identity in order for us to be able to assist you as best we can. Now you can you Blink and rest assured!

Your data is protected! We maintain a mechanism that guarantees the highest levels of security and is compatible with global data protection standards. We ensure that we comply with all instructions regarding banking security.

The Rebellious Red credit card is a type of bank facility which is revolving in nature. Revolving means once you have used the card, and repaid your dues, the card will be available for use once again. The card is not a loan with a payment schedule, and specific installment requirements. The amount is also not deposited into the account for use are repayment on a monthly basis. The card has a limit which reflects the maximum amount you can use, and the amount required to be repaid depends on the utilization (payment details in the following questions).

It is very important to emphasize that the card is a bank facility, and the customer is legally obligated to pay it back to the bank.

The monthly payment depends on the amount due (withdrawn/purchased) from the card limit, in addition to the payment percentage selected upon applying for the card (5%, 25%, 50%, or 100%).

Every month, you can use your card for your purchases or for cash withdrawals (with fees), and all transactions are collected on the 2nd of each month. The total transactions represents the utilized balance of the card limit. At the end of each month (the card cycle) from the 2nd of the month till the 2nd of the next month, the payment is due based on the calculated payment percentage of the utilized amount.

Example 1: payment rate is 25%

From March 2nd to April 2nd, 3 transactions were made on the card with a total value of 100 JODs. On April 2nd, the statement will be available and a payment of 100*25% (25JODs) will be due.

Example 2: payment rate is 100%

From March 2nd to April 2nd, 3 transactions were made on the card with a total value of 100 JODs. On April 2nd, the statement will be available and a payment of 100*100% (100JODs) will be due.

Every month in a new cycle, your transactions will be accumulated, and the payment is calculated at the end of the month. If the card is not utilized, and there are no transaction made, then there will not be any due payments. If the card was used, then the payment will be calculated based on the repayment percentage multiplied by the amount used.

An interest is calculated at 1.75% per month on the unpaid amount and will be reflected in the next month’s statement. Meaning, in the first example, the unpaid 75 JODs will be subject to interest. The interest will be reflected on the statement (as if it was a transaction on the card), and interest is calculated on it. This means the interest is accumulated until the full payment is made. It is very difficult to calculate the interest and the payments because it all depends on the transaction made on the card and is paid depending on each case.

In short, a credit card differs from a loan. The monthly payment does not represent monthly instalments of equal values. There are no payments needed to be made if the card has not been used.

On the 3rd of every month, you will receive an SMS on the mobile number linked to the account stating the value of the payment amount due. 5 days before the payment is due, and a day before, another SMS will be sent to remind you of the amount due.

You can simply view your credit card transactions by swiping up on your Rebellious Red credit card on the app and scroll to see the details of the transactions. The period of transaction displayed automatically go up to the last 30 days, but you can change it for the last 3 or 6 months. You can search for certain transactions by typing in any word or amount you are looking for.