هل توجد خدمة البنك الإلكتروني؟

You use this phrase when opening a new account. You can also use it when talking to customer support. Simply state the phrase with a rising intonation at the end. It functions as a complete question on its own. You don't need complex grammar here. Just point to the bank name and ask. It is like asking if a cafe has Wi-Fi. Simple, effective, and very necessary.

Use it when you are tired of standing in long queues. It is perfect for the moment you realize the bank closes at 2 PM. Use it when comparing different banks to see which is most tech-savvy. It is great for phone calls to customer service. You can also use it when chatting with friends about their banking experiences. If you want to pay bills from your couch, ask this first.

Do not use this if you are already inside the banking app. That would be a bit confusing for everyone! Avoid using it in very traditional, local 'money exchange' shops. Those places usually deal only in physical cash. Don't use it if you are asking about an ATM. For ATMs, you would ask for a Saraf. This phrase is specifically for web or app-based services.

Banking in many Arab countries has skipped several steps. Many people went from cash-only straight to mobile apps. Digital transformation is a huge point of national pride in places like the UAE or Saudi Arabia. However, some older generations still prefer visiting the branch for 'Baraka' (blessing/personal touch). Asking this shows you are part of the modern, fast-paced digital economy. It marks you as a savvy, time-conscious individual.

You might hear fi tatbiq? which means 'Is there an app?'. Another common one is agdar asawwiha on-line? (Can I do it online?). In Lebanon or the Levant, you might hear more French influence. But Bank Online is understood almost everywhere. It is a universal bridge between Arabic and the global tech language. Use it with confidence!