My Tools

  • Loans Calculator

    Calculate the loan amount you can borrow or alternatively, the monthly payments you can afford.

    How much can i... borrow afford

    You can borrow only a maximum amount of.


    Rate of interest is 5.75% pa.

    24 Months

    Adjust repayment tenure to change EMI

    This is for demonstrative purpose only. Call 1801801 or visit a branch for exact calculations.

  • Loan Refinancing Calculator

    The above approximate calculation of the loan is for guidance only and does not entail any kind of obligation or liability on the bank. This operation and its result assumes that you have paid all your installments on time, your loan term did not have a grace period and you have not made partial payments to your loan. Kindly note that Government loans cannot be refinanced.Please contact 1801801 or visit any branch to confirm.

  • Term Deposit Calculator

    This is for demonstrative purposes only. Call 1801801 or visit a branch for exact calculations.

  • I would like to apply
  • Branch / ATM Locator
  • Al Jawhara

    Calculate your chances to win with Al Jawhara


    The minimum deposit is KD 50 and maximum deposit is KD 500,000. Terms & conditions apply.

    In case of no withdrawal within the holding period, extra chances will apply

  • Weather

    Mostly Clear

    22oC Feels like

    Humidity 30%
    Wind From NNW
    Wind Speed 28.97kph
    Sunrise 5:10 am
    Sunset 6:22 pm
    Updated: Thu, 27 Apr 2017 04:00 AM KWT
  • Prayer Timings

    Kuwait Prayer Times
    Thursday,April 27,2017

    • Fajr 03:46 AM
    • Sunrise 05:10 AM
    • Dhuhr 11:46 AM
    • Asr 03:21 PM
    • Maghrib 06:21 PM
    • Isha 07:43 PM
  • Ask a Question
  • Currency Converter

    Error: Generic error message here.


    Click here to view the Currency Rates

  • NBK Miles Points Calculator

Ways to Bank


In a world of complications, we offer you a world of choice to make your banking convenient and simple. Offering you support in more ways than one, choose the method that suits you best. Whether it’s calculating the interest on your loan, finding the nearest ATM or answering your toughest query, we’re on stand by for your every need. Our Way to Bank section lays out a variety of services and tools to make you life just that bit less complicated. Click through the links on the right to find out what we have to offer

Online Banking

Banking online is the last thing you need to be worried about. NBK Online Banking offers you a safe and secure haven to conduct your online transactions no matter where you are, 24 hours a day.

Take care of your banking chores from the comfort of your home or office:

UKField length is 6 digits Sort Code123456
USAField length is 9 digits Routing Number123456789
IndiaField length is 11 characters and can be a combination of alphabetical characters and numbers or just numbersIndian Financial System Code
CanadaTransit code is required to be entered before the account number (5 digits Transit Code + Account Number)Transit Code12345
  • Pay bills including school fees online
  • Open new accounts online in KD or other foreign currencies
  • Transfer funds from your credit card to your account instantly
  • Manage your statements free of charge and with more flexibility
  • Open Term Deposit (Fixed/Flexible) without the need of visiting the branch
  • View NBK Credit and Prepaid Card pin numbers (KD currency only)
  • Get to know number of chances to enter Al Jawhara draw using the "Al Jawhara Calculator"


NBK Online Banking is free and it's open round the clock, putting you in control of your money

  • You are free to manage your bank account online whenever you want, saving yourself a trip to the local branch
  • Bank from home or work and you can check your balance, pay bills, transfer money and even open an additional account without leaving your seat
  • Faster payments mean your online payments can be processed within seconds*
  • You can now update your customer information, your mobile number and email address if any changes

* Faster payments only apply to participating financial institutions


It is easy to use NBK Online Banking and our support team is on hand for any questions you may have..

  • “MySite” allows you to customize your screen so you can see all your account balances in one place; you can add your favorite items or remove items including bill payments and transfers
  • You'll find clear instructions to guide you through each process – your banking made simple
  • There's extra advice and information for easy Online Banking in our tips, tools and demos
  • Help is always at hand from our support team, on 1-801801


For your peace of mind NBK has implemented state-of-the-art online banking security with NBK Online Banking Security Key, by registering for NBK Online Banking security Key you can be assured that your personalized online banking is protected.

The NBK team recommends that once you complete your registration that you register your computer, this provides you added protection, to see click our online

How do I get NBK Online Banking?

You'll need your NBK ATM card & registration is simple, Click on "register" and follow the easy online steps and start using most of our NBK Online Banking services straight away.

If you need to register to NBK Online Banking or change the password, whether you are in Kuwait or abroad, you will receive a one-time-password to complete your transaction successfully.

New registration:

  • Fill out all the registration details when registering for Online Banking
  • Select your preferred way  to receive the one-time-password: via email or SMS. Please visit your branch in case you need to update the mobile number so you can receive the SMS

Forget Password:

  • Click on “Forgot Password”
  • Fill out all the necessary details. Then, click on submit
  • Select your preferred way to receive the one-time-password: via email or SMS. Please visit your branch in case you need to update the mobile number so you can receive the SMS

To conduct transactions through NBK Online Banking, you will need to activate your account by calling 1801801

You can also view your credit card PIN number through NBK Online Banking.

Mobile Banking

Your finances at your fingertips. You can manage your finances with ease and convenience. NBK Mobile Banking offers you a safe and secure way to conduct your transactions anywhere and anytime. The application is available in Arabic and English for iPhone®, iPad®, iPod Touch®, and Android®. Additionally, the application is available for Apple Watch and Android Wear to cater to your every banking need and action from your device.

More information on Mobile Banking.


You can now bank with ease and on the spot with NBK Mobile Banking application on your smart watches for both iOS and Android

More information on NBK Smartwatch Apps.

Phone Banking

On call and by the phone 24 hours a day, 7 days a week the NBK Call Center. Our award winning customer service, Phone Banking, offers you phone banking assistance no matter where you are in the world. Simply dial 1-801801 within Kuwait or (+965) 22248361 from outside of Kuwait. We also have dedicated International Toll Free Numbers when calling from USA (18555777625), UK (08000988456), Canada (18555777625) or France (0805080765).

Enjoy a range of instant services with Phone Banking such as:

  • Accounts, credit cards and loan information
  • Settle your Bills and credit card payments
  • Transfer  between accounts
  • Fax statements for accounts, interest and foreign exchange rates
  • Customer Support to report lost/stolen cards or other queries and suggestions
  • Latest information on products, services and offers
    and more...

Toll Free Numbers

To guarantee peace of mind and the best in customer service, we’re pleased to introduce International Toll Free Numbers for customers traveling abroad in USA, UK, Canada and France! 

More information on International Toll Free Numbers.

Direct Service

With hectic schedules and busy lifestyles, we understand it can get tough to take time out for your banking needs. Therefore, our Direct Sales Department is available to visit you at your convenience and assist you with all your banking requirements. Whether it’s opening a bank account or getting a car loan, our experienced relationship officers will lend you a helping hand.

Simply book an appointment with any of our dedicated team members by contacting us on 1-801801

SMS Banking

Our real time SMS Banking services send you personalized and instant financial alerts whenever any activity takes place on your account or credit cards.

SMS Real-Time

Our SMS Real Time service will alert you instantly (within 1 minute) after completing a transaction regardless of the KD amount over KD10 on your bank account or credit card or when you complete a transaction such as:

  • Purchases through Point of Sale.
  • Cash withdrawal or deposits.
  • Credits of all kinds of social allowances.
  • Open or close accounts.
  • Issuing a new credit card  and notifying the customer for collection through the delivery company.
  • All debited transactions including: withdrawals, fees, transfers, etc.
  • Customers can select an amount (Thresh Hold) where they receive SMS alert on their accounts (Starts from 0 fils, etc)
  • Change the pin number of the debit card.
  • Establishing a Standing Order.
  • Salary credit notification.
  • Transfer of funds.
  • Payment of bills.
  • Purchases through the internet.
  • Cash advance transactions on Credit Cards through any of NBK's ATM’s or Watani Online.
  • The SMS messages will show you the amounts debited or credited as well as the remaining balance.
  • The service is available to Zain, Ooredoo and VIVA Telecoms.

The SMS messages will show you the amounts debited or credited as well as the remaining balance for the above.

Transactions that do not generate SMS:

  • Credit Cards monthly auto debit.
  • Fund Details.
  • Watani Gift Points.
  • Term Deposit transactions.

Please Note:

  • Mobile holders with roaming services will receive SMS alerts in USD Dollar currency when traveling abroad.
  • You can choose your preferred language to received alerts in - whether Arabic or English.


An annual fee of KD10 will be applied after a year from date of subscription.

ATMs and CDMs

With Automated Teller Machines (ATMs) and Cash Deposit Machines (CDMs) you have access to your funds from many convenient locations across Kuwait and all over the world 24 hours a day, 7 days a week.

Automated Teller Machines (ATMs)

  • Withdraw cash (within the available limit)
  • Change ATM/CreditCard PIN
  • Request cheque books
  • Request mini account statements
  • Request account statement through branch (last 30 transactions)
  • Transfer between your accounts

Multi-Currency ATMs

Multi-Currency ATM’s are available at different locations in Kuwait.
Kuwait International Airport:

The transit area, near gate 3 and 24 at Kuwait International Airport, allowing NBK customers to withdraw cash amounts in six different currencies.

  • (USD) US Dollars
  • (EUR) Euros
  • (GBP) British Pound Sterling
  • (AED) UAE Dirhams
  • (SAR) Saudi Riyals
  • (KWD) Kuwaiti Dinars

Sheikh Saad Airport:

Located inside the main Departures terminal, NBK customers can withdraw.

  • (AED) UAE Dirhams
  • (KWD) Kuwaiti Dinars

ATMs for US Dollar withdrawal:

In addition to Kuwait International Airport USD are available from the following ATM locations.

  • NBK Head office branch
  • Fahed Al-Salem branch
  • Ahmadi branch
  • Cinema Salmiya branch

Cash Deposit Machines (CDM)

Take advantage of the many CDM machines located around Kuwait
  • Deposit cash up to 100 notes at one time
  • Deposit KD 1, KD 5, KD 10 and KD 20 notes at one time
  • Deposits are safe, secure and immediately credited to your account
  • Available 24 hours, all days of the week


Interactive Teller Machines (ITM)

NBK is now proudly serving customers at The Avenues with a new Interactive Teller Machine (ITM). 

More information on Interactive Teller Machines


Create your Paypal account through NBK online banking!

You can now enjoy a more secure online shopping experience by creating your own PayPal account through NBK Online Banking! 

More information on PayPal with NBK.

One Time Password

Now, creating new beneficiaries or updating them on NBK Online Banking got better by using the most advanced security tools while transferring online.

More information on One Time Password.


Common Questions



Ready to Apply?

Got Questions?



Send to a Friend Print this page

Send to a Friend