Flooss is the first Islamic financing provider in Bahrain, offering instant approval and immediate disbursement of funds directly to your bank account. The process is entirely digital, with no paperwork, no hidden costs, and complete transparency.
You must be at least 21 years old to register for the Flooss App.
You can download the Flooss app from the App Store (for iOS) and Google Play Store (for Android).
KYC (Know Your Customer) is a legal requirement by the Central Bank of Bahrain for financial institutions to verify a customer’s identity and assess potential risks. It ensures a secure and compliant financial environment.
Fully verified users can:
Users who haven’t completed KYC can still:
Yes, you can complete the KYC verification process at any time. However, you will only be able to apply for financing once the process is completed.
Yes, you can change your email:
Yes, you can easily change your profile PIN directly from the Flooss App.
Yes, you can log in to your Flooss account on different devices. However, you will need to verify your account during the first login on a new device.
Yes, you can view and manage the list of trusted devices linked to your Flooss account. You can choose to keep or remove any device.
You can reach Flooss support by:
Flooss Wallet is a mobile wallet that can be used to pay your bills & send money to your friends and family who has flooss account in the easiest way possible.
You do not require a bank account to register on Flooss App.
After successfully completing the (KYC) verification process, the Flooss Wallet will be activated immediately.
Yes, you can use Flooss Wallet for all in-app payments such as financing installments, bill payments, gift cards, and vouchers.
Click on “Activate Wallet” and complete the (KYC) verification process. Your wallet will be activated automatically.
BenefitPay / Debit Card / Flooss Wallet.
Flooss Wallet can be used to pay your bills in-app and transfer money to other Flooss Wallet users.
You can top up your Flooss Wallet using your debit card, the BenefitPay app, or receive money from other Flooss Wallet users.
You can only use the money in-app to pay bills or send it to other users.
The limit is 1000 BHD as regulated by the Central Bank of Bahrain.
The following services are available on the Flooss App:
“My Bills” allows you to save up to 20 bills, assign custom names, and choose to pay them all at once for added convenience, or select individual bills to pay separately.
Yes, you can add multiple bills to your cart and pay them all at once.
Yes, you can select the “Bill Inquiry” option to view your outstanding bills before making a payment.
Flooss Islamic Financing is a service dedicated to providing Sharia-compliant financing solutions to customers in Bahrain. This means all financial transactions adhere to Islamic principles, ensuring ethical and religious compliance.
Yes, Flooss is Sharia-certified. Our Sharia Certificate Reference is FLS-3782-01-01-02-24.
Islamic financing prohibits the payment or receipt of interest (Riba), unlike conventional loans. Instead, it uses Murabaha, which involves buying and selling goods (e.g., metals) to comply with Islamic principles.
Flooss financing operates on the principles of Tawarruq. This involves the institution purchasing an asset (e.g., platinum) on behalf of the customer and then selling it to them in a Sharia-compliant manner.
The metal used in the Sharia-compliant financing process is platinum.
Flooss has a dedicated Sharia Board that oversees all operations to ensure compliance with Islamic law. The board consists of Islamic scholars who review and approve all financial products and transactions.
The charges include:
Flooss’s Sharia Board consists of Sheikh Muhammad Ahmed, a Sharia consultant with extensive experience in Islamic finance.
Flooss’s Sharia scholar is Sheikh Muhammad Ahmed, a Sharia advisor with over 9 years of experience. He specializes in integrating Sharia principles into financial systems and holds master’s degrees from Ahsan Al Uloom University and Dar Al Uloom University in Karachi.
Yes, Flooss is licensed by the Central Bank of Bahrain (CBB) under registration number 1-156825.
Yes, the profit rate ranges between 16% and 18%.
Yes, all Flooss products are Sharia-compliant. Our Sharia Certificate Reference is FLS-3782-01-01-02-24.
No, you must fully settle your existing finance before applying for a new one.
The Murabaha margin ranges between 16% and 18%, depending on various factors.
Flooss calculates your maximum financing eligibility based on several factors. Additionally, as per the Central Bank of Bahrain’s regulations, your monthly debt payments cannot exceed 50% of your monthly income (Debt Service Ratio).
No, once the VAT is paid and the financing amount is disbursed, the financing cannot be canceled.
Your financing offer is valid for 3 days (72 hours).
A counteroffer is an alternative financing offer provided based on your liabilities and eligibility.
No, once the VAT is paid, it cannot be refunded.
Flooss provides instant disbursement through IBAN or STC Pay.
To download your clearance letter:
Yes, Flooss is the first Islamic financing provider in Bahrain that offers instant approval and disbursement. Our platform is built by an experienced fintech team with a proven track record, providing innovative financial support to those who need it most.
You must be:
Yes, both expats and Bahrainis are eligible to apply for financing.
The financing amount depends on your credit eligibility. Generally, we offer cash financing between BHD 100 – 2,500. Apply to check your eligibility!
You can choose a financing tenure ranging from 2 to 36 months.
Two options for salary verification:
It depends on the selected disbursement channel:
No, there are no application fees.
Yes! You can apply 24/7 as our services are always available.
Yes, we check your credit history to assess eligibility. Timely repayments improve your chances of approval.
We assign you a credit score based on multiple factors. A strong score enhances financing approval chances.
The Murabaha margin varies between 16% – 18% per annum based on your credit profile.
You can use the money for any financial need. Borrow and spend responsibly.
You can pay via the Flooss app using:
Currently, you can only have one active cash financing at a time. However, you can have both Cash financing ,Flooss Split & Soouq Financing simultaneously.
Yes, you can make early repayments anytime.
Involve the payment of interest, which is considered riba.
The lender will retain ownership until the loan is fully repaid.
Relation of customer & FLOOSS is of Creditor-Debtor.
Customer needs to read & agree to the “Loan agreement” to send the loan application.
In Conventional Loans, no such framework is present.
Processing fees: up to BHD100 VAT: 10% of the Processing fees
The BNPL service revolutionizes the way customers make purchases. With BNPL, customers have the option to split a single payment into 4 equal installments, spread equally over 3 months, providing them with flexibility and convenience during the checkout process with participating merchants. No interest or fees will be levied on customers for utilising the service.
To be able to shop at merchants, you need to accept your BNPL credit limit offer first.
The approved limit is not real money and does not get transferred to your bank account. The approved limit is only an indicator of your purchase limit.
Once you have approved the offer, you have up to 3 days to make a purchase with one of our partner merchants.
You can shop at any of our partner merchants, which can be found in the merchant list on our app.
Currently, once you have accepted an offer, you can shop only at one of our partner merchants. Once you have made a purchase and repaid all the installments, you can apply again and receive your new limit.
The BNPL service revolutionizes the way customers make purchases. With BNPL, customers have the option to split a single payment into 4 equal installments, spread equally over 3 months, providing them with flexibility and convenience during the checkout process with participating merchants. No interest or fees will be levied on customers for utilising the service.
To be eligible for BNPL services, you must:
You need to provide: A bank statement showing the latest 3-month salary/income statement, which must be a maximum of 10 days old before applying.
Follow these steps to apply:
You will receive a response from Flooss within 1 working day (24 Hours).
If accepted, you will receive an offer with a validity of 72 hours. The offer will indicate your maximum purchase limit. To begin shopping with our partner merchants, you will need to accept the offer.
Complete the ID&V (scan ID front, Back, Selfie) and Mobile number and Email verification process to accept the offer.
No, the approved amount is a virtual limit indicating your maximum purchase limit and cannot be used as a payment method.
You will have 72 hours to make a single purchase at one of our approved merchants.
Currently, you are limited to making one purchase with a partner merchant, regardless of whether you have used your full limit. Once you have repaid all installments, you may apply again.
The minimum purchase amount is 50 BHD, and the maximum purchase amount is your approved limit.
Shop at any one of our partner merchants and ask to pay using FLOOSS. Scan the QR or enter the manual code generated by the merchant to view the repayment plan. Accept the repayment plan and pay the first installment on the FLOOSS app to activate financing.
After successfully paying the first installment, the merchant will confirm the payment, and you will receive your goods/services.
Flooss Split is our Buy Now, Pay Later service that lets you shop at any of our 600+ partner stores and split your purchase into 4 equal monthly installments – with no profit and no fees.
Apply now to receive your Floossi Limit, valid for 12 months, which you can use across multiple purchases at any of our partner stores.
To be eligible for Flooss Split, you must meet the following criteria:
Your Floossi Limit is the maximum approved amount you can use to shop across our partner stores. It is not a form of payment, but rather the maximum value that can be split into 4 installments using Flooss Split and the first payment will be advanced.
Once you’ve received a Floossi Limit offer, you have 6 days to activate your 12-month Floossi Limit by completing one of the following options:
The minimum purchase amount is BHD 10, and the maximum is BHD 1,000.
Based on your eligibilty you can get maximum upto 500 BHD and you can make a purchase upto 1000 where the 500 BHD will be advance payment
If your purchase amount is more than your available Floossi Limit, you can still complete the transaction by paying the difference along with your first installment in the Flooss app.
Yes, absolutely! Your Floossi Limit can be used for multiple purchases at any of our 600+ partner stores.
Simply log in to the Flooss app – you’ll immediately see all your upcoming installments clearly displayed.
Make sure to pay on time to avoid any restrictions on your Floossi Limit.
Flexible repayment periods from 2 to 18 months
Only if the device price is more than your eligible financing amount
Yes, you can select your preferred due date during the application
The offer will expire in 3 days and your financing request will be cancelled
