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Retail BankingDemand Accounts


Current Account (Individuals Only)

An account catering for daily banking transactions in a speedy and accurate manner, the credit balance in the account is a Qard Hasan.

Features:
  • Minimum opening balance KD 1/-
  • Available in KD and major currencies
  • No Minimum Balance charges
Benefits:
  • Free debit MasterCard
  • Standing order facility
  • ATM Withdraw up to KD 2,000 per day
  • Cheque book in 10 pages for first time and 25 pages upon next request. To know more, click here
  • SMS service alerts
  • Easy & Flexible remittance locally and internationally
  • Free Online Banking Service
  • Credit card option against blocked amount of 110% limit
  • Free mailed monthly statement of account upon request
Requirements:
  • Valid Civil ID
  • FATCA
  • KYC (Know your Customer)
  • AML(Anti Money Laundry)
  • W8/W9 (FOR Americans)
  • Public exposed Person (PEP)
  • Black List Inquiry

Q & A:
  • What is the minimum opening balance?
  • The minimum balance for opening an account is 1 KD
  • Does this account allow for cheque book?
  • Yes, with a fee of 3 KD for 10 pages and 4 KD for 25 pages
  • What are the features?
  • Free debit MasterCard card, withdraw up to 2,000 KD a day, available in KD and major currencies, refer to features & benefits table…
  • Can I open account for my children?
  • No, the account cannot be opened for minors
Terms & Conditions:
  • The credit balance in the account is deemed to be a Qardh Hasan loan, from the Customer to the Bank, payable upon the Customer demand. No profits are payable to this account nor are losses charged thereto. The Bank may invest the balances of these accounts or any portion thereof to the benefit of the Bank shareholders.
  • The Customer withdrawals from the account shall be effected by means of cheques provided by the Bank and delivered to the Customer, or by means of any other drawing instrument that satisfies the legal conditions and be acceptable to the Bank. Withdrawals may also be made by means of ATM cards or any credit cards in accordance with the relevant terms and conditions.
  • The Customer undertakes to maintain the cheque books delivered to him, and shall notify the Bank in the event of loss of any cheque or the entire cheque book. The Customer shall be severally liable for all direct and indirect damages that may arise from the cheque book or any cheque being in the possession of the Customer subordinates or any third party.
  • The Bank may decline payment of cheques withdrawn against cheques under collection, unless these cheques have already been collected and the amount thereof actually credited to the Customer account at the Bank.
  • Withdrawal from the current account shall always be within the credit balance. The Customer shall be liable for withdrawing amounts in excess of the credit balance in the account and shall repay to the Bank, upon first demand, the full debit balance.
  • The Customer acknowledges his absolute and conclusive consent to comply with the Central Bank of Kuwait regulations in connection with closing the Customer cheque accounts and inserting his name on the list of Customers whose accounts have been closed, if three cheques withdrawn by him, or by persons he authorized, have been returned within a maximum period of one year due to insufficiency of balance, or for other reasons in accordance with any future regulations passed by the Central Bank of Kuwait. The Customer also acknowledges his prior consent to any other measures that may be taken by the Bank in this regard. The Bank may, at its absolute discretion, open another account to the Customer without cheques in lieu of the account that has been so closed, and may debit to such new account the banking facilities that were previously given on the closed account, if any. The Customer shall bear legal liabilities resulting from his issuing of such cheques without having the right to recourse against the Bank for closing his account or listing his name on the aforesaid list or any other measures the Bank may take in this regard.
  • Withdrawal by cheques is allowed from current accounts only or other accounts equivalent in nature to the current account in terms of the contractual relation with the Customer.
  • The Customer authorizes the Bank to debit his account with any sum he may have obtained from the Bank in the form of banking facilities of whatsoever kind, and the Customer authorizes the Bank to transfer the same to the cash margin account against the banking facilities, as security for repayment of the Customer liabilities in favor of the Bank, along with any other expenses; provided such sums shall be retained by the Bank until all obligations on the Customer toward the Bank shall be discharged. If the Customer fails to discharge these obligations upon first demand by the Bank, the Customer authorizes the Bank to offset these obligations against cash retained sums in the cash margin account against banking facilities, without reference to the Customer, and without the need to serve any notice or initiate advance actions. This authorization by the Customer is final and irrevocable unless with the Bank written consent.
  • For the complete terms and conditions, click here


To know more about our fees and commision, click here


Salary Account (Individuals Only)

The account is designed for salary transfers, and similar to the current account where the credit balance represents a Qard Hasan, the account shall not be exposed to profit or loss.

Features:
  • Minimum opening balance KD 1/-
  • Available in KD
  • No Minimum Balance charges
Benefits:
  • Free MasterCard debit card
  • Standing order facility
  • ATM withdrawal up to KD 2,000/day
  • SMS service alerts
  • Easy & Flexible remittance locally and internationally
  • Free Online Banking Service
  • Finance Option against salary.
  • Credit card option against salary.
  • Free mailed monthly statement of account upon request
Requirements:
  • Valid Civil ID
  • FATCA
  • KYC (Know your Customer)
  • AML(Anti Money Laundry)
  • W8/W9 (FOR Americans)
  • Salary Certificate
  • Work Permit for Non-Kuwaitis
  • Public exposed Person (PEP)
Q & A:
  • Is there a minimum salary for the transfer?
  • The minimum salary for opening an account is 250 KD
Terms & Conditions:
  • The credit balance in the account is deemed to be a Qardh Hasan loan, from the Customer to the Bank, payable upon the Customer demand. No profits are payable to this account nor are losses charged thereto. The Bank may invest the balances of these accounts or any portion thereof to the benefit of the Bank shareholders.
  • The Customer withdrawals from the account shall be effected by means of cheques provided by the Bank and delivered to the Customer, or by means of any other drawing instrument that satisfies the legal conditions and be acceptable to the Bank. Withdrawals may also be made by means of ATM cards or any credit cards in accordance with the relevant terms and conditions.
  • The Customer undertakes to maintain the cheque books delivered to him, and shall notify the Bank in the event of loss of any cheque or the entire cheque book. The Customer shall be severally liable for all direct and indirect damages that may arise from the cheque book or any cheque being in the possession of the Customer subordinates or any third party.
  • The Bank may decline payment of cheques withdrawn against cheques under collection, unless these cheques have already been collected and the amount thereof actually credited to the Customer account at the Bank.
  • Withdrawal from the current account shall always be within the credit balance. The Customer shall be liable for withdrawing amounts in excess of the credit balance in the account and shall repay to the Bank, upon first demand, the full debit balance.
  • The Customer acknowledges his absolute and conclusive consent to comply with the Central Bank of Kuwait regulations in connection with closing the Customer cheque accounts and inserting his name on the list of Customers whose accounts have been closed, if three cheques withdrawn by him, or by persons he authorized, have been returned within a maximum period of one year due to insufficiency of balance, or for other reasons in accordance with any future regulations passed by the Central Bank of Kuwait. The Customer also acknowledges his prior consent to any other measures that may be taken by the Bank in this regard. The Bank may, at its absolute discretion, open another account to the Customer without cheques in lieu of the account that has been so closed, and may debit to such new account the banking facilities that were previously given on the closed account, if any. The Customer shall bear legal liabilities resulting from his issuing of such cheques without having the right to recourse against the Bank for closing his account or listing his name on the aforesaid list or any other measures the Bank may take in this regard.
  • Withdrawal by cheques is allowed from current accounts only or other accounts equivalent in nature to the current account in terms of the contractual relation with the Customer.
  • The Customer authorizes the Bank to debit his account with any sum he may have obtained from the Bank in the form of banking facilities of whatsoever kind, and the Customer authorizes the Bank to transfer the same to the cash margin account against the banking facilities, as security for repayment of the Customer liabilities in favor of the Bank, along with any other expenses; provided such sums shall be retained by the Bank until all obligations on the Customer toward the Bank shall be discharged. If the Customer fails to discharge these obligations upon first demand by the Bank, the Customer authorizes the Bank to offset these obligations against cash retained sums in the cash margin account against banking facilities, without reference to the Customer, and without the need to serve any notice or initiate advance actions. This authorization by the Customer is final and irrevocable unless with the Bank written consent.
  • For the complete terms and conditions, click here


To know more about our fees and commision, click here



Edikhar Account (Individuals Only)

The account is Non-profit saving account, and similar to the current account where the credit balance represents a Qard Hasan, the account shall not be exposed to profit or loss.

Features:
  • Minimum opening balance KD 1/-
  • Available in KD
  • No Minimum Balance charges
Benefits:
  • Free debit card
  • Standing order facility
  • ATM Withdraw up to KD 2,000 per day
  • SMS service alerts
  • Easy & Flexible remittance locally and internationally
  • Free Online Banking Service.
  • Free mailed monthly statement of account upon request
Requirements:
  • Valid Civil ID
  • FATCA
  • KYC (Know your Customer)
  • AML(Anti Money Laundry)
  • W8/W9 (FOR Americans)
  • Public exposed Person (PEP)
Q & A:
  • What benefits does this account have?
  • Free master card debit, ,SMS alert service, withdraw up to 2,000 KD, free online banking service,…, etc.

To know more about our fees and commision, click here

For terms and conditions, click here