Benefits to the employee:

1. Salary is immediately available on payday.
2. Easy to use, safe, and convenient money management.
3. No risk of carrying cash.
4. 24-hour access to cash at all ATMs in Qatar.
5. Shop at all merchant outlets in Qatar.
6. International money transfers using the CBQ Mobile App.
7. E-commerce functionality via QPAY is activated only upon customer’s request, which can be submitted by the cardholder through the CBQ Mobile App.

How it works?:

1. The company signs an agreement with Commercial Bank and provides their employees’ details in a specified format in order to issue them a Himyan PayCard.
2. At agreed regular intervals, the company instructs the Bank on the amount of salary to be posted to each employee’s account.
3. The Bank credits the salary to the employee’s Himyan PayCard and deducts the same from the company’s account.
4. Employees can then use the Himyan PayCard to withdraw cash or make purchases at merchant outlets in Qatar.
5. A customised mobile app is available for Himyan PayCard holders.
6. The app provides full access to the customer’s account, including viewing balance, checking transaction history, blocking the card if lost.
7. The app also allows customers to send money anytime, anywhere, through instant cash and account transfers.

Eligibility:

• Customers with a salary below QAR 4,000.
• Corporate customers must have an account with Commercial Bank.