{"id":7312,"date":"2026-01-05T19:45:00","date_gmt":"2026-01-05T16:45:00","guid":{"rendered":"https:\/\/www.alsalambank.com\/?page_id=7312"},"modified":"2026-01-05T23:38:18","modified_gmt":"2026-01-05T20:38:18","slug":"mudharaba","status":"publish","type":"page","link":"https:\/\/www.alsalambank.com\/en\/ithmaar-bank\/faqs\/mudharaba\/","title":{"rendered":"Mudharaba"},"content":{"rendered":"\n\t<section class=\"section dark\" id=\"section_1900209445\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t<div class=\"is-border\"\n\t\tstyle=\"border-color:rgb(242, 100, 59);border-width:0px 0px 4px 0px;\">\n\t<\/div>\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row align-middle\"  id=\"row-865894236\">\n\n  <div id=\"col-268596567\" class=\"col mb-0 pb-0 medium-9 small-3 large-9\"  >\n        <div class=\"col-inner\"    >\n      \n      \n<a href=\"\/ar\/ithmaar-bank\/faqs\/mudharaba\" class=\"button secondary mb-0 pb-0\" >\n\t\t<span>AR<\/span>\n\t<\/a>\n\n    <\/div>\n          <\/div>\n\n  \n\n  <div id=\"col-1084572084\" class=\"col mb-0 pb-0 medium-3 small-9 large-3\"  >\n        <div class=\"col-inner\"    >\n      \n      \n\t<div class=\"img has-hover mb-0 pb-0 x md-x lg-x y md-y lg-y\" id=\"image_1372546597\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img decoding=\"async\" src=\"https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/alsalam-itmaar-logo.svg\" class=\"attachment-original size-original\" alt=\"\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_1372546597 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n    <\/div>\n          <\/div>\n\n  \n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_1900209445 {\n  padding-top: 0px;\n  padding-bottom: 0px;\n  min-height: 100px;\n  background-color: rgb(7, 21, 48);\n}\n@media (min-width:550px) {\n  #section_1900209445 {\n    min-height: 100px;\n  }\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section ithmaar-dark-section dark\" id=\"section_760559487\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row\"  id=\"row-556176118\">\n\n  <div id=\"col-948840749\" class=\"col small-12 large-12\"  >\n        <div class=\"col-inner\"    >\n      \n      \n\t<div id=\"gap-174408648\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-174408648 {\n  padding-top: 70px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"container section-title-container ithmaar-title\" ><h2 class=\"section-title section-title-center\"><b aria-hidden=\"true\"><\/b><span class=\"section-title-main\" style=\"font-size:115%;color:rgb(255, 255, 255);\">Mudharaba<\/span><b aria-hidden=\"true\"><\/b><\/h2><\/div>\n    <\/div>\n          <\/div>\n\n  \n<\/div>\n<div class=\"row ithmaar-faqs\"  id=\"row-1562706703\">\n\t<div id=\"accordion-4161580277\" class=\"accordion-item\">\n\t\t<a id=\"accordion-4161580277-label\" class=\"accordion-title plain\" href=\"#accordion-item-what-will-happen-to-the-mudharaba\/special-mudharaba-account-i-have-with-ithmaar-bank?\" aria-expanded=\"false\" aria-controls=\"accordion-4161580277-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>What will happen to the Mudharaba\/Special Mudharaba account I have with Ithmaar Bank?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-4161580277-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-4161580277-label\">\n\t\t\t\n<p>Your Mudharaba\/Special Mudharaba account at Ithmaar Bank will be transferred to Al Salam Bank as a Wakala Account.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-320410994\" class=\"accordion-item\">\n\t\t<a id=\"accordion-320410994-label\" class=\"accordion-title plain\" href=\"#accordion-item-will-the-change-from-mudharaba\/special-mudharaba-to-wakala-impact-any-of-my-commercial-terms?\" aria-expanded=\"false\" aria-controls=\"accordion-320410994-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Will the change from Mudharaba\/Special Mudharaba to Wakala impact any of my commercial terms?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-320410994-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-320410994-label\">\n\t\t\t\n<p>No, your Mudharaba\/Special Mudharaba commercial terms will remain unchanged. This includes the maturity date, tenor and the expected annual profit rate.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-242757771\" class=\"accordion-item\">\n\t\t<a id=\"accordion-242757771-label\" class=\"accordion-title plain\" href=\"#accordion-item-the-profit-on-my-mudharaba\/special-mudharaba-account-is-paid-on-my-balance-on-a-monthly-basis,-will-that-be-impacted?\" aria-expanded=\"false\" aria-controls=\"accordion-242757771-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>The profit on my Mudharaba\/Special Mudharaba account is paid on my balance on a monthly basis, will that be impacted?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-242757771-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-242757771-label\">\n\t\t\t\n<p>No, the same set-up will apply and the profit will be paid on a monthly basis.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-2253099410\" class=\"accordion-item\">\n\t\t<a id=\"accordion-2253099410-label\" class=\"accordion-title plain\" href=\"#accordion-item-i-have-a-finance\/credit-card-against-my-mudharaba\/special-mudharaba-account,-what-will-happen-to-that?\" aria-expanded=\"false\" aria-controls=\"accordion-2253099410-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>I have a Finance\/Credit Card against my Mudharaba\/Special Mudharaba account, what will happen to that?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-2253099410-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2253099410-label\">\n\t\t\t\n<p>There will be no impact on the finance\/credit card associated with your Mudharaba\/Special Mudharaba account. It will continue to be pledged against your new deposit.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-1533060614\" class=\"accordion-item\">\n\t\t<a id=\"accordion-1533060614-label\" class=\"accordion-title plain\" href=\"#accordion-item-will-i-be-able-to-view-my-mudharaba\/special-mudharaba\/wakala-account-on-al-salam-bank-mobile-application?\" aria-expanded=\"false\" aria-controls=\"accordion-1533060614-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Will I be able to view my Mudharaba\/Special Mudharaba\/Wakala account on Al Salam Bank mobile application?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-1533060614-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-1533060614-label\">\n\t\t\t\n<p>Yes, you will be able to view your new Wakala account on Al Salam Bank mobile application after the completion of the migration which is scheduled for 1 January 2023.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-4252375948\" class=\"accordion-item\">\n\t\t<a id=\"accordion-4252375948-label\" class=\"accordion-title plain\" href=\"#accordion-item-is-the-process-of-converting-the-mudharaba\/special-mudharaba-account-to-wakala-automated?\" aria-expanded=\"false\" aria-controls=\"accordion-4252375948-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Is the process of converting the Mudharaba\/Special Mudharaba account to Wakala automated?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-4252375948-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-4252375948-label\">\n\t\t\t\n<p>Yes, the migration of the Mudharaba\/Special Mudharaba to Wakala and conversion of the underlying structure will be seamless.<\/p>\n\t\t<\/div>\n\t<\/div>\n\t\n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_760559487 {\n  padding-top: 30px;\n  padding-bottom: 30px;\n  background-color: #071530;\n}\n<\/style>\n\t<\/section>\n\t\n\n\t<section class=\"section itmaar-hero dark\" id=\"section_153261278\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n<div class=\"row row-collapse row-full-width align-bottom\"  id=\"row-485964070\">\n\n  <div id=\"col-1104934386\" class=\"col medium-8 small-12 large-8\"  >\n        <div class=\"col-inner\"    >\n      \n      \n<div class=\"is-divider divider clearfix\" style=\"margin-top:0px;margin-bottom:0px;max-width:100%;height:2px;background-color:#f2643b;\"><\/div>\n    <\/div>\n          <\/div>\n\n  \n\n  <div id=\"col-878633802\" class=\"col medium-4 small-12 large-4\"  >\n        <div class=\"col-inner\"    >\n      \n      \n\t<div class=\"img has-hover x md-x lg-x y md-y lg-y\" id=\"image_1814747951\">\n\t\t\t\t\t\t\t\t<div class=\"img-inner dark\" >\n\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1002\" height=\"418\" src=\"https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/ithmaar-flowers.jpg\" class=\"attachment-original size-original\" alt=\"\" srcset=\"https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/ithmaar-flowers.jpg 1002w, https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/ithmaar-flowers-300x125.jpg 300w, https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/ithmaar-flowers-768x320.jpg 768w\" sizes=\"auto, (max-width: 1002px) 100vw, 1002px\" \/>\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\n<style>\n#image_1814747951 {\n  width: 100%;\n}\n<\/style>\n\t<\/div>\n\t\n    <\/div>\n          <\/div>\n\n  \n<\/div>\n\t<div id=\"gap-736180525\" class=\"gap-element clearfix\" style=\"display:block; height:auto;\">\n\t\t\n<style>\n#gap-736180525 {\n  padding-top: 40px;\n}\n<\/style>\n\t<\/div>\n\t\n<div class=\"row\"  id=\"row-773224153\">\n\n  <div id=\"col-1253782404\" class=\"col mb-0 pb-0 medium-2 small-12 large-2\"  >\n        <div class=\"col-inner\"    >\n      \n      \n<div class=\"ux-logo has-hover align-middle ux_logo inline-block\" style=\"max-width: 100%!important; width: 60px!important\"><a class=\"ux-logo-link block image-\" title=\"\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/apps.apple.com\/bh\/app\/al-salam-bank-bahrain\/id1497453679\" style=\"padding: 15px;\"><img decoding=\"async\" src=\"https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/app1.png\" title=\"\" alt=\"\" class=\"ux-logo-image block\" style=\"height:30px;\" \/><\/a><\/div>\n<div class=\"ux-logo has-hover align-middle ux_logo inline-block\" style=\"max-width: 100%!important; width: 60px!important\"><a class=\"ux-logo-link block image-\" title=\"\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.alsalambahrain.digitalbanking&#038;hl=en&#038;gl=US\" style=\"padding: 15px;\"><img decoding=\"async\" src=\"https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/app2.png\" title=\"\" alt=\"\" class=\"ux-logo-image block\" style=\"height:30px;\" \/><\/a><\/div>\n    <\/div>\n          <\/div>\n\n  \n\n  <div id=\"col-1398328347\" class=\"col mb-0 pb-0 medium-7 small-12 large-7\"  >\n        <div class=\"col-inner text-center\"    >\n      \n      \n<p>Licensed and Regulated as an Islamic Retail Bank by the Central Bank of Bahrain<\/p>\n<a class=\"button white is-underline\" >\n\t\t<span>Privacy Policy<\/span>\n\t<\/a>\n\n<a class=\"button white is-underline\" >\n\t\t<span>Disclaimer<\/span>\n\t<\/a>\n\n    <\/div>\n          <\/div>\n\n  \n\n  <div id=\"col-1148747703\" class=\"col mb-0 pb-0 medium-3 small-12 large-3\"  >\n        <div class=\"col-inner text-right\"    >\n      \n      \n<div class=\"ux-logo has-hover align-middle ux_logo inline-block\" style=\"max-width: 100%!important; 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width: 69px!important\"><a class=\"ux-logo-link block image-\" title=\"\" target=\"_blank\" rel=\"noopener\" href=\"https:\/\/www.youtube.com\/channel\/UCGDeD3_EFwjLZrx93QxqsLA\" style=\"padding: 15px;\"><img decoding=\"async\" src=\"https:\/\/www.alsalambank.com\/wp-content\/uploads\/2026\/01\/youtube.png\" title=\"\" alt=\"\" class=\"ux-logo-image block\" style=\"height:30px;\" \/><\/a><\/div>\n    <\/div>\n          <\/div>\n\n  \n<\/div>\n\t\t<\/div>\n\n\t\t\n<style>\n#section_153261278 {\n  padding-top: 60px;\n  padding-bottom: 60px;\n  background-color: #071530;\n}\n<\/style>\n\t<\/section>\n\t\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":7245,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-blank-landingpage.php","meta":{"footnotes":""},"class_list":["post-7312","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/pages\/7312","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/comments?post=7312"}],"version-history":[{"count":2,"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/pages\/7312\/revisions"}],"predecessor-version":[{"id":7415,"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/pages\/7312\/revisions\/7415"}],"up":[{"embeddable":true,"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/pages\/7245"}],"wp:attachment":[{"href":"https:\/\/www.alsalambank.com\/en\/wp-json\/wp\/v2\/media?parent=7312"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}