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 5.5% 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


    23oC Feels like

    Humidity 45%
    Wind From W
    Wind Speed 6.44kph
    Sunrise 5:40 am
    Sunset 6:6 pm
    Updated: Thu, 30 Mar 2017 09:00 AM KWT
  • Prayer Timings

    Kuwait Prayer Times
    Thursday,March 30,2017

    • Fajr 04:20 AM
    • Sunrise 05:40 AM
    • Dhuhr 11:53 AM
    • Asr 03:23 PM
    • Maghrib 06:05 PM
    • Isha 07:23 PM
  • Ask a Question
  • Currency Converter

    Error: Generic error message here.


    Click here to view the Currency Rates

  • NBK Miles Points Calculator

Introducing Two-Level Authentication for Debit Cards!

To protect your debit card transactions, a two-level authentication process is now required for any local online transactions of KD25 and above.

The first level of authentication is your debit card PIN number (as with payments of less than KD25). The second level of authentication will be an OTP (One Time Password) that will be received through SMS.

Customers with outdated, invalid or with no mobile numbers on record with NBK will no longer be able to transact online for amounts of KD25 and above as they will be unable to receive their OTP.

Error messages and/or alerts will be displayed on the KNET payment portal if the OTP is not entered or entered incorrectly. This system will come in to full effect on 30 November 2016, until which time is a grace period until 30 December 2016 where it will not be mandatory to enter the OTP to complete transactions.

To continue to conduct online transactions hassle-free, kindly ensure to update your mobile number and be aware of the two-level authentication process required by KNET.



Common Questions

  • What is 2FA?
    Central Bank mandates to protect Debit cards for local e-commerce  transactions security, where they have introduced additional layer of authentication through the “2 Factor Authentications” driven by K-net.
    With this solution in place, during an e-commerce transaction in Kuwait using local debit cards, the customer will be receiving an OTP (one time password) in their registered mobile for transactions that are above KD 25. Upon entering the OTP the actual authorization of transaction will take place and customer account will be debited.
  • When will I get the OTP message?
    When you use your Debit card during e-commerce tarnation with the amount above KD 25.
  • Can I use the same OTP for all my local online purchases?
    No you can’t, for each online transaction a unique OTP will be generated.
  • What if I didn’t receive an SMS?
    Please contact NBK Call Center on 1801801 or visit the nearest branch.
  • My OTP has been locked – what should I do?
    OTP will be blocked if you inputted the OTP three times incorrectly. Please contact NBK Call Center on 1801801.Once your NBK Secure Shopping account has been unlocked, you will be able to immediately go back online and continue your shopping.
  • How can I update my mobile number?
    Please contact NBK Call Center on 1801801 or visit the nearest branch.



Got Questions?



Send to a Friend Print this page

Send to a Friend