1.According to the agreement with the party.

3 years.

1. For employees:

- Concluding an agreement with the entity with which the employee works, regulating the relationship between the bank and the facility.

- A guarantee of at least two (2) business partners of the borrower.

-Providing the bank with the borrower’s salary and the guarantors’ salaries

2. For non-employees:

Existence of in-kind or financial guarantees for taking the loan:

-Gold guarantee of 200% of the loan

- Financial guarantee: It is kept in the account of the guarantor or the customer.

-The repayment period should not exceed three years.

- Any amount deposited.

15%

- Visa Card and Master Card.

- All currencies.

- Yes, and it is the MoneyGram service.

-  Yes.

- Opening bank accounts in Yemeni riyals and other currencies.
- Iron box service (safety deposit boxes) at some branches.

- Yes

From Sunday to Thursday except Friday and Saturday

From 8.00 am to 12.30 pm

Welcome, to subscribe to the commercial Jawaher Program you should only open Jawaher account at the nearest branch to you with the sum of One Hundred Thousand Yemeni riyals, which entitles you to join in the monthly drawings on the Italian cars and also the apartments of dream. N.B: The drawings are conducted at the end of each month on the cash amounts and the cars – No. fees to be paid for opening the account. There are also neither interest nor commissions on the account – to open an account, you should only bring a valid ID card and two (4x6) photos.

You are welcome. Each One hundred thousand riyals will offer you one point per day. When the deposited amount is doubled, the number of your points will increase and your chances to enter the drawings will also increase. In order to calculate your points, give yourself two points per each two hundred thousand riyals in your balance in the commercial Jawaher account. Then, multiply them by the number of days that the amount was in your account. Furthermore, you can, at any time, call the free phone number (8008000) to know the number of your points.

  Welcome, your name will be entered to the financial amounts (cash) drawings, immediately after you subscribe to the commercial JAWAHER Program, to the Italian cars after only thirty (30) days from opening the account and to the apartment dreams, after ninety (90) days.

The JAWAHER auto-program will continue in picking the winners every month at the rate of 80 winners of financial amounts, two winners of Italian cars (each month) and a single winner of apartment of dreams, each 6 months.

 To know the state of your account in the commercial JAWAHER Program, at any time, you just call the free number 8008000 to be informed about your account or contact our correspondent at the WhatSapp No. 009671299988 or you can apply through this page’s messages to know the state of your account.

  The bank has several types of accounts, including current accounts, saving accounts, deferred deposits…etc. Moreover, the Bank provides the Master Card service, which can be used to withdraw amounts from ATM beside marketing via the Internet. There is also the credits service, with a gold guaranty or a guaranty or person’s deposit in the Bank.    

That is in addition to other services. Please, visit our website: YCB.BANK to know more about all our types of services.  

Terms and conditions of website using :

-Note:
Please read these terms and conditions  carefully. By entering this website or any of  its pages, you are obligated to abide by these terms. If you do not agree to any of these terms or conditions, please do not enter this website or see the contents of any of its pages.
All rights related to this website are reserved for Yemen Commercial Bank, as well as the copyright in the pages and in the screens of these pages, as well as the information and materials mentioned in these pages and screens are owned by the Yemeni Commercial Bank unless these conditions stipulate otherwise.
Use information and materials 
The information and materials set forth  in these pages (and the terms, provisions  and details therein) are subject to change and amendment at any time and without a prior notice, nothing on this website is to be considered as an offer to be involved in any process, nor what constitutes investment, legal, tax or other advice, nor what should be relied upon when making investment decisions or otherwise, and you must obtain the necessary advice from the relevant authorities before taking any resolution.

Also, your request to obtain any products or services mentioned on this website are subject to the approval of Yemen Commercial Bank.
Using  bank’s websites and systems is not authorized and including , but is not limited to, any unauthorized entry to the bank’s systems, misuse of the entry phrase or misuse of any information advertised on this website is strictly prohibited.
No warranty:
The information and materials herein, such as text, graphics, link lines, or any other items have been given "as they are" and "as they exist". Therefore, Yemen Commercial Bank does not guarantee the accuracy or suitability of this information for the intended purpose or if such information and materials are adequate or not ; the bank is also not expressly responsible for any errors or omissions in this information and materials, nor any guarantee of any kind, whether implicit, explicit, or legislative, and whatever its type and nature related to the information and materials, including but not limited to guarantees relating to non-violation of the rights of other parties , property right and the possibility of marketability of  Information and materials and their suitability for use in any other purposes and free of viruses.

Liability limits:
Yemen Commercial Bank is not considered in any way responsible for any damages that may occur to the user of this website, including but not limited to any direct, indirect, special, emergency or subsequent damages, and any losses or expenses that may be caused by this website or due to Its use or inability to use it by any party or due to failure to perform,  errors, omissions, transmission interruption, or any delay in operation or transmission, or due to the access of a virus to the computer or the connection and communication line, or because of any malfunction in the system even if Yemen Commercial Bank was notified or any of its employees or representatives of the possibility of occurrence of  damages, losses or expenses.
This website includes links to websites of other parties and Yemen Commercial Bank confirms that it is not responsible for any information, materials, products or services advertised or displayed on any of the other parties' websites that have links with this website.
Submissions:
All information submitted to Yemen  Commercial Bank via this website  is considered a property of the bank,  which is entitled to use this information for any purpose as well as to use any ideas, concepts or any experience or technology contained in any information provided by any visitor to this website and through this website to Yemen Commercial Bank, Also YCB is not liable  for the confidentiality of the information provided, unless otherwise  the competent authorities of the bank, that have a direct relationship with the customer ,do not agree to or unless specifically agreed upon otherwise or if the law requires that.
Additional terms:
There are chapters or pages on this website that contain special terms and conditions  that are complementary to these terms and conditions. if a conflict arises , additional special terms and conditions  shall be applied  to those chapters or pages.
Governing Law:
Using this website  is subject to all applicable laws in the Republic of Yemen
 

Security awareness message
The role of Yemen Commercial Bank
Yemen Commercial Bank poses customer information stored in systems or circulated via the Internet in a top security priority, embodying the bank’s commitment to protect sensitive customer information, and continues to take all effective security measures and precautions to achieve this goal. Yemen Commercial Bank applies the optimum global standards for information security to provide advanced security aspects, and an ongoing internal review of security standards is also undertaken, and this is supported by independent security reviews to reassure the customer of our goal of protecting the security of its information at all levels, and the bank  also monitors its website on the  Internet to monitor any non-legitimate / non-authorized) use of the bank's name and trademarks, and the monitoring process includes the detection of any counterfeit sites on the network that are similar in form to the bank's site because such sites are able to endanger the security and privacy of our customers.
The most important current risks
The bank wants to inform you of escalating security threats, which should get your top attention.
 - Online solicitation
It is a criminal activity that involves an attempt to fraudulently obtain sensitive information such as the user’s identity, password, and account data by impersonating a trusted friend or a reputable company as a bank in an e-mail or imaginary site. Banks that provide banking services on the Internet are targeted sites for solicitation As for the most common means of solicitation, they are e-mail or instant messages, and they often involve a request for users to disclose personal details through a fake website on the worldwide web, but the solicitation processes use phone calls also sometimes, be alert of solicitation attempt via email  , and make sure to log on to the bank’s website via the correct website address  of the Yemen Commercial Bank (ie www.ycb.com.ye),
• Avoid logging onto your account as much as possible through public computers.
• You should take great attention  to avoid disclosing your personal or financial data to others in response to a request to update, check or confirm account data, unless you are the initiator of the communication, with your knowledge of the other party that you are dealing with.
• Do not respond to suspicious email messages or messages that ask you to disclose personal information such as an account number or password.

Remember that Yemen Commercial Bank will never send you an email with a request to respond and reveal your personal information.
Social Engineering:
It is the process of obtaining (or attempting to obtain) confidential information by impersonating "flattering" to persuade the customer to disclose his confidential information. Social engineering is successful because its victims tend to be kind in their nature, strive to trust others, and tend to spontaneously to provide assistance to others. Deceiving social engineering victims and persuading them to disclose information that they do not realize will be used to attack a computer network; for example an employee of a company might be tricked into revealing the user name with the password of a person claiming to be impersonating the technical support employee and in conjunction with other information he collects in similar ways to approach  more and more to find a way to hack the company's computer network.
-Password:
Keep the password secret and change it periodically. Yemen Commercial Bank advises its customers (for their safety and security) to refrain from using known information such as date of birth, phone number, or any easily identifiable part of the customer's name as a password.
-Customer Role (Things You Should Do)
 The customer also has a vital role in ensuring information security. Yemen Commercial Bank recommends its customers  to adhere to the following guidelines:
1. Ensure that the operating system is equipped with the latest versions and security packages.
2. Run anti-virus programs and ensure that they are installed in a manner that ensures continuous automatic updating.
3. Run anti-spyware programs and ensure that they are installed in a manner that ensures continuous automatic updating.
4. Use firewalls programs to ensure the safety of installation 
5. Review the internet security settings for the browser program.
6. Avoid divulging the password and personal data of others, including bank employees.