The Basics

How do I sign up for Byblos Bank’s Internet Banking?

It’s quick and easy to start benefiting from the convenience of our Internet Banking platform. Just visit your branch, complete the Application Form, and sign the Terms and Conditions. As soon as these documents are filled in and signed, you will be assigned a User ID and a password that will allow you to start using Byblos Bank Internet Banking. As a further boost to security, you will be asked to choose your own password at the first login.

When and where I will be able to bank online once I’ve enrolled?

Byblos Bank’s Internet Banking services are available 24 hours a day, 7 days a week, and from anywhere in the world, provided you can access the Internet.

What are the minimum requirements needed for my computer?

You can use Byblos Bank’s Internet Banking on any PC as long as you’re running Internet Explorer 6.0 or higher and a browser that supports 128-bit encryption. The system can also be accessed through mobile phones and through Apple computers using compatible Opera browsers.

How frequently is my account information updated?

Your account balances and transactions are posted in real time, which means they’re updated immediately after any transaction is performed.

How much does Internet Banking cost?

Byblos Bank currently offers Internet Banking services free of charge, and if this ever changes, you will receive advance notice. Please note that in the case of transfers between your own accounts performed through Internet Banking, there is no charge, but foreign exchange rates are applicable for cross-currency transactions.

What services are available through Internet Banking?

Byblos Bank wants you to have maximum control over your finances, so the platform allows you to:

• Check your different account balances 
• Review interest rates and other conditions 
• View various statements according to your own specifications, either by date, amount, or both 
• Monitor both paid checks and those sent for clearing, inside or outside Lebanon 
• Perform transfers of funds between your own current accounts or to other Byblos Bank account-holders 
• Carry out foreign exchange (FX) transactions 
• View the features of all products and services 
• View the details of any standing orders applied to your accounts 
• View information on card limits, purchases, and cash withdrawals 
• View the outstanding balances and histories of any loans you have with Byblos Bank 
• Review your Bancassurance policies 
• Perform service requests such as ordering a checkbook or statement of account, reporting a lost passbook, requesting a card termination/replacement/reissuance, or reporting a problem 

Will the Bank send me e-mails requesting my personal data?

No. For reasons having to do with confidentiality and security, Byblos Bank will never send you an e-mail requesting personal data. Should you ever receive such an email, do not respond because it may be an attempt to defraud you.

Working with Accounts

Which of my accounts can be accessed through Internet Banking?

All of your active accounts can be seen online. However, you are free to select certain accounts that you wish to display via Internet Banking and keep others inaccessible. You simply have to mention this on your Application Form when you fill it in at your branch. For your convenience, our system organizes your accounts and other products and services into the following groups:

• Sight Accounts (fundable accounts with no restrictions): Current Account, Deposit Account, Dynamic Account, EasySave, Platinum Account, Start Saving, The Makers Account, Wedding Account,  overdrafts/advances
• Time Deposits: term savings accounts and term contracts 
• Cash Margins: cash margin accounts opened against credit cards or other retail facilities 
• Loans: retail loans, including Personal, Car, and Housing loans 
• Debit Cards: where you can check transactions and other information related to your debit card(s), check the balances of their attached accounts, and see how many Loyalty Points/Miles you’ve accumulated from debit purchases 
• Credit Cards: where you can access the histories of your credit and/or charge cards, confirm how much of your limit(s) you’ve used, and check how many Loyalty Points/Miles you’ve accumulated from credit card purchases   
• Investment Portfolios: Fixed Income, Equities, Currencies and Precious Metals

What kind of account details can I see through Internet Banking?

In addition to your account balances, you will be able to get information regarding applicable interest rates, capitalization dates, any standing orders linked to the account(s) in question, and the settlement details for your term deposits.

Can I generate a statement of account on my screen? Will I be charged for that service?

Yes, you can – and no, you won’t. You can generate your onscreen statement by selecting one or both of the options below:

• Select period of time (from/to) 
• Select range of amounts (from/to) 

You also can save the statement, download it to Excel, or print it out – all free of charge.

Are my account balances updated online?

Yes, Byblos Bank’s Internet Banking system will provide you with real-time updates of your account balances, as well as card and loan positions.

What kind of information can I see about my checks?

You may view all your paid checks, along with those still in clearance, whether inside or outside Lebanon, going back 3 months. You also can search for a specific check by inputting either the check number or the check amount, and order new checkbooks.

Working with Fund Transfers

What are the key things I need to know about transfers I make through Internet Banking?

• Through Internet Banking, you can transfer funds from one of your accounts to another 
• These transfers are received instantly, and the account balances are updated automatically 
• Any amount can be transferred as long as it does not exceed the Bank’s predefined parameters or your personal transaction and daily limits 
• Once you confirm the transfer, a fund transfer receipt showing all transfer details is displayed on your screen. You may choose to print this receipt, or save it on your computer
• In addition to that, an official advice is automatically emailed to you

NB: Please note that foreign exchange (FX) transactions will be checked against both a daily limit per customer and a daily limit per currency.

What are the key things I need to know about transactions I make through Internet Banking?

• You can transfer funds from and to any of your current accounts, provided you have made them accessible through Internet Banking. Where applicable, you will always be presented with a displayed exchange rate that requires your approval before the transfer is executed
• You can perform FX transactions at any time as long as it does not exceed the pre-defined limits described above

Can I cancel or modify a fund transfer?

You can only alter or cancel a fund transfer before confirming the transaction. Just click on “Cancel” next to the transaction in question. The system will prompt you to confirm your request by clicking on “OK”. 

Checking Your Cards

What does my card position show?

Your card position shows: 

• Your credit and charge cards with their total remaining limits converted to LBP 
• Your debit cards with the total remaining limits and balances of the current accounts linked to the cards and converted to LBP 
• Your accumulated Loyalty Points/Miles on each card 

You will also be able to see the details of all transactions on any of your cards going back a full year.

Can I terminate and/or a reissue my cards?

Yes, if your card has been lost or stolen, you can use Internet Banking to order its cancellation and reissuance, but your request will NOT be executed on the spot. Instead, it will automatically be routed to Customer Service and a representative there will do it, typically within one business day. For maximum security, whenever possible, we recommend that lost or stolen cards be reported over the phone (+961 1 20 50 50) or in person.

Checking Your Bancassurance

Can I see all my Bancassurance policies through Internet Banking?

Yes, you can view your different Bancassurance policies: 

• Insure Your Life
• Insure Your Child’s Education
• Insure Your Income
• Insure Your Retirement  
• Insure Your Car   
• Obligatory Car Insurance

Checking Your Loans

Can I see all my loan accounts?

Yes. Your Global Position shows the total combined amount (converted to LBP) of all your loan balances, and the Loan Menu shows all your loans by type (e.g. car, personal, housing), with the remaining balance for each displayed in the loan currency. Please note that you will be notified of all your payments due on their maturity dates, and have one week to settle them before penalty rates are applied.

Working with Customer Service

What service requests can I make using Internet Banking?

Byblos Bank’s Internet Banking platform allows you to request several different kinds of services. These are then routed to your branch for execution, and you can check their status at any time from the “My Requests Status” screen. Below is a list of requests that can be performed using Internet Banking: 

• Order a checkbook and select the branch where you want to pick it up 
• Report the loss of your passbook. A temporary restriction will be placed on the account in question, but you will have to visit your branch to sign a confirmation letter 
• Cancel a lost or stolen card and request a replacement card 
• Report any problem by clicking on “Contact Us”

Security Issues

How secure is Byblos Bank’s Internet Banking?

Byblos Bank has designed and built its Internet Banking platform according to International Security Standards, including a very high level of encryption (128-bit). Nonetheless, you can and should take precautionary measures on your end too. Here are some useful recommendations:

• Make your password hard to guess or figure out: 
  • Minimum eight characters 
  • Use an alphanumeric password (i.e. one with both letters and numbers) that also includes both upper- and lower-case letters, as well as special characters (%, &, ", \, !, /, ;, :, <, >, [, ], ^, {, }, |, ~, \\). Avoid using dictionary words or known facts such as your date of birth, first name, spouse’s name, favorite sports team, etc.
• Do not make your password the same as, or similar to, your User ID
• Never share your password with anyone else
• If you are connecting from a public place, make sure no one is looking over your shoulder or peeking at your screen
• If you need to leave your computer for any period of time, log out from the Internet Banking system and use a password-protected screen saver
• If you are sharing your computer with others, always log on to Windows or macOS under your personal account and log out before leaving

How can I make sure I am connected to Byblos Bank’s official Internet Banking site and not to other parties?

When you connect to Byblos Bank’s Internet Banking, a small yellow lock appears in the bottom right-hand corner of your screen and stays there until you log out. Double click on the lock, and a window titled “Certificate” will pop up; make sure it is issued to “byblosonline.com” and that it has not expired.

Can more than one user of Byblos Bank Internet Banking use the same computer?

Yes, several users can use the same computer for Internet Banking. Nonetheless, it is highly recommended that each user sign into Windows or macOS under his or her own username and password.

Troubleshooting

What do I do if I forget my Internet Banking password?

If you are accessing Byblos Bank Internet Banking for the first time, we recommend you change your password for security reasons. If you forget your password or your User ID, please report it to Byblos Bank Customer Service by calling + 961 1 205050, or by sending an email to CustomerService<at>byblosbank.com.lb so we can provide you with a new one. Please note that three (3) wrong consecutive login attempts will block your account until you contact your branch and request reactivation.

Why was my fund transfer rejected?

Your transfer may be rejected for several reasons: 

• Not enough funds available in “from” account
• Your overdraft limit has been reached 
• The Bank’s limits are exceeded 
• Your predefined limits are exceeded 
• A posting restriction has been placed on your account, whether by the Bank or at your own instructions