Kuwait Finance House

If you are a new subscriber, please do the following to register for KFH Online:

• Visit http://www.kfh.com and click on "New User Sign Up"
• Enter Civil ID Number
• Enter the 14 digit Account No. from your ATM Card
• Enter ATM Secret No. (4 digits or tele banking PIN number in case it has been changed)
• Click "Submit"
• Select a user name and password for KFH on-line service. User name can comprise of alphabets, digits or both. Password must comprise of alphabets or digits, minimum 7 digits and maximum 14 digits.
• Personal information screen will be displayed (optional). Complete the details and confirm.

• Enter your User Name and 5 digits of your account number as shown on the image of the card.
• Select one of the available images and write a description or phrase (of your choice) that will appear on your screen every time you login to the service.
• You will be asked to answer three challenge questions. You can give any answer to these questions which you can easily remember. On every subsequent login, you will need to answer one of these questions.

Henceforth, every time you login to KFH Online, the image you selected and the description that was given will appear to you. This will indicate that you are on the official KFH Online site. After this step, you will need to answer one of the challenge questions that you had answered before. This will help us to recognize you as the correct KFH Online subscriber. Please note that you can choose to skip the Security Question to access the KFH Online service. By going to the General Services - Manage Site Key after you have logged in to KFH Online. To enhance the security of the service we recommend that you enable the Security Question. In case the image or the phrase that was chosen previously are not shown, this would indicate that the website is fraudulent and not the official KFH Online site, intended to gain access to their personal and financial information for suspicious activities. You should notify KFH immediately by calling “Allo Baitak” on 180 3333 to take the necessary steps.

Detailed Account Statement:

• Select Account No.
• Select required period from the selection box
• Specify required transactions (1-20)
• Click "Get Statements"

Advanced Account Statement

• Select Account number.
• Specify start/end period of account statement. Period should not exceed 6 months.
• You may choose search method, debit transactions, credit transactions only or search for a specific amount.
• Click "Get Statements" to retrieve the list of transactions.

• Specify account to transfer from (debit account)
• Specify the account to transfer to (credit account)
• Specify transfer amount.
• Click "Transfer" button.
• After verifying the details click "Confirm" to execute the transfer.

(Note: Maximum daily limit for Inter-account transfers is KD 10,000)

You may conduct transfers to registered third party accounts as follows:

• Select the debit account from which you wish to transfer
• Enter the amount
• Select beneficiary name
• Enter kfhonline password and click "Transfer"

• Select Payee from the list of Payees
• Select the account to transfer from. (Debit account)
• Select currency and enter the transfer amount
• Enter your contact phone number.
• Enter the KFH Online password and click "Transfer"
• Verify details on the confirmation page and click the "Confirm" button.

Registration of third party beneficiaries for online transfers within KFH:

• Select "KFH Payee" from the Transfers and Payments menu.
• Enter beneficiaries account Number.
• Enter beneficiaries name and description
• Click "Add".
• The account will be added to the beneficiary’s list after review.

Telex Payee registration:

• Select "Add New Telex Payees" from the Transfers and Payments menu.
• Enter Beneficiary name, account number and address.
• Enter Beneficiary Bank details by selecting Country, Bank name etc. from the "Beneficiary bank details" section or manually enter the Beneficiary bank details in the "Other Bank details" section.
• Enter KFH Online password and click "Update"
• Click "Confirm" after verifying the details.

To add standing orders to KFH internal accounts (ensure that beneficiaries are defined as above) then follow these instructions:

• From banking services menu, select "Standing Orders" then select "Add new Standing Order" or "Edit" (to amend an existing Standing order)
• Select the account to transfer from. (debit account)
• Enter monthly transfer amount
• Select beneficiary account from your personal accounts list, beneficiaries list or charity accounts list
• Specify beginning and ending dates for standing orders and number of transfers.
• Enter kfhonline password and click "Add"
• Verify details and click "Confirm"

• Select "Single Utility Payment" from the Transfers and Payments menu
• Specify payee (Al Manar, Wataniya Telecom, Public Institution for Social Security, Ministry of Communication, Zain)
• Enter Phone No. or invoice No.
• Enter amount to settle from your account
• Enter kfhonline password and click "Submit"
• Verify details and click "Confirm"

(Note: Bills will be settled within 3 working days from the date of deducting the amount.)

• Select "Charge Card Statements" from the Card menu.
• Transaction history for the preceding 3 months are available.
• You may conduct a search in the account statement for a certain transactions by specifying the period or the amount or description of transaction.

• Select "Charge Card Payments" from the Cards menu
• Select Account number to settle from.
• Select Card No.
• Enter Amount to settle
• Enter KFH Online password and click "Transfer"

• Select "Report Lost Card" or "Report Lost ATM Card" from Cards menu.
• Enter the card or ATM No. to be disabled.
• Specify reason for deactivation (lost, stolen)
• Click "Submit" to confirm.

Note: After deactivating your card, please contact your branch to obtain a new card.

• Select "Cheque Book Request" from the banking services menu.
• Select your KD Current Account
• Specify No. of books required
• Specify required number of leaves (25 or 50 ).
• Click "Submit".

(Note: Please refer to your branch to receive your cheque book after 3 working days.)

View daily currency exchange rates.

Mailbox: Use the KFH Online secure e-mail service to contact KFH regarding queries, complaints, suggestions etc.

Use the Change Password service to change your kfhonline password.

Use this option to amend your personal details entered during registration.

You may receive SMS messages on your mobile in case of any change in balances or when salary is credited as follows:

• Click on "SMS Baitak" from the Other services menu and click "Add SMS Service"
• Specify Account No., mobile No. and language, enter your kfhonline password and click "Submit"

You may choose to receive monthly or weekly statements on any fax number you specify as follows:

• Click on Fax On Time from the banking services menu.
• Specify Account No., fax No., time and period "weekly or monthly"
• Click "Add Fax on Time Service".

• Details of Real Estate deals.
• Installments calculator.

View financial position on trading deals, invoices etc.

• Select (Trading Deals) from commercial services list.
• Details of transactions, guarantees with the KFH commercial sector will be displayed.

View details of guarantees:

• Select (Commercial) from finance services menu.
• Details of transactions, guarantees with the KFH commercial sector will be displayed.

Installments Payment:

• Select (Commercial) from finance services menu.
• Option of either settling "Your Installments" or "Your Guarantees" through "Installments Payment".
• Select commercial invoice and debit account then specify no. of installments.

Finance Sector Services:

• View details of dealings with Financial sector.
• Letter of Credit Status, details.
• Details of LGs.
• Installments calculator.