This is a service that allows the Bank's customers to replenish the balance (coping) or invest a surplus (capping) from several bank accounts domiciled at the BDL.

The Scooping-Clipping smart transfer is intended for any natural person holding a minimum of two accounts at BDL level.

The accounts concerned by the Scooping-Clipping smart transfer are as follows:
• Individual cheque account;
• Savings account without remuneration (El Badil);
• Savings account with remuneration.

The number of accounts required for the Scoping-Clipping smart transfer must be associated with two accounts for Scoping and a maximum of three accounts for Clipping, with the possibility of including an account of a client other than the one who ordered the payment. Here are the different account integration scenarios:
Individual cheque account with a savings account with remuneration;
Cheque account to the individual with a savings account without remuneration;
Savings account with remuneration with a savings account without remuneration;
Personal cheque account with a savings account with remuneration/savings account without remuneration.

The smart transfer offers you two features:
1-The reconstitution of the balance (scooping) :
Scooping allows you to replenish your checking account balance from your savings account in a smart and automatic way. The scooping process is as follows:
You hold two accounts at BDL level, a cheque account and a savings account or an El BADIL savings account;
You want to maintain the balance of your checking account at a well-defined amount;
You must choose the following items for replenishing your balance at the agency level:
The threshold triggering the operation: the decrease in the balance below the threshold triggers the scooping;
The balance to be replenished in your cheque account: this is the balance that the customer wishes to have in his checking account when the latter reaches the trigger threshold
The frequency of the smart transfer: daily, weekly or monthly
A transfer is made automatically from the savings account (or EL BADIL) with the amount necessary to replenish your already defined balance;
Individual current or savings account with or without remuneration.
Element triggering the transfer: decrease in the balance below (lower) the threshold set by the customer on the receiving account concerned by the transfer;
Scooping is done intelligently and automatically with the frequency of your convenience without having to go to the agency.
2-The placement of a surplus: clipping:
Clipping allows you to automatically and intelligently place your money from your cheque account to your savings account. The clipping process is as follows:
You hold two accounts at BDL level, a cheque account and a savings account or an El BADIL savings account
You want to place your money automatically in your savings account without going to the branch
At the agency level you must choose the following items for the placement of the surplus:
The trigger threshold for the operation: the increase in the balance above the threshold set by the customer on the account concerned triggers the capping
The amount of the transfer: the amount that the customer wishes to transfer from his cheque account to his savings account when the latter reaches the trigger threshold
Smart transfer frequency: daily, weekly or monthly
A transfer is made automatically from the checking account with the amount defined to the savings account or the EL BADIL account
Clipping is done in an intelligent and automatic way with a frequency stopped according to your convenience without going to the agency
You can choose two savings accounts to invest your money
7- You can choose a savings account from a third party.

Avoid moving to agency
Allows you to build up permanent savings
System intelligence when scanning accounts for customer desired conditions
Allows you to maintain a balance on the particular checking account for its withdrawal as part of a credit
Flexibility of daily scanning frequency; weekly ; monthly ;
Transfers between accounts by specific amounts
Secure transfer
Remote asset management.
The flexibility of deleting or adding accounts
Free deleting and adding accounts

No, the Scooping-Clipping service is reserved only for BDL customers. All the bank accounts concerned by this service must be domiciled at the level of the BDL.

The beneficiaries of the Ecopage service are:
Holder of the individual account (account authorizing the transfer same customer same accounts);
Holder of the individual account (account receiving the transfer same customer same accounts);
The beneficiaries of the Clipping service are:

Holder of the particular account (account authorizing the transfer in favor of another particular account);
Holder of the particular account (account receiving the transfer from another particular account).