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User Guide

 

	Login
	Banking Sector Services
	Commercial Sector Services
	Finance Sector Services
	Real Estate Services
	Obtain Account Statement
	Inter personal accounts transfer
	Internal transfer to other KFH accounts
	Standing orders
	Bill Settlement
	Credit Cards
	Disable ATM Card
	Cheque Books
	Commercial Services
	Fax on-time
	SMS System
	General Services

Login:
 

	Through KFH Web site http://www.kfh.com, then press KFH On-Line or go directly to http://www.kfhonline.com
	Once you enter the site you may change the interface language. Click (English) to use English page.
	Enter User Name and Password. If you are a new subscriber please do as follows:
	Press the button (click here) New Subscriber
	Enter ATM Account No. (14) digits
	Enter ATM Secret No. – 4 digits or (phone service in case it is changed).
	Click (Agreed)
	Please select a user name and password for Tawmeel on-line service. User name must comprise alphabets or digits or both. Password must comprise letters or digits, min. 7 digits and max. 14 digits.
	Personal information screen will be displayed (optional). Please fill in and confirm (e-mail – age …etc.)

Available Services:

Banking Services

	Personal accounts balances
	Daily exchange rates
	Summary account statement
	Detailed account statement
	Quarterly account statement of account related credit cards.
	Apply for Visa Cards or amend usage limits
	Disable ATM card
	Inter-personal accounts transfer
	Inter-KFH accounts transfer (individual or combined accounts only)
	Local and international telex transfer
	Charity donations
	Add, amend, or cancel permanent instructions customer’s account, KFH individuals or charity institutions
	Display permanent instructions
	Settlement of MOC, MTC, NTC and Ayaan Company bills
	Order cheque book.

 

Commercial Sector Services:

 

Finance Sector Services:

	Financial status
	Credit Status
	Credit Report – Document Report
	L/C movement
	L/G statement
	Customer installments
	Contract status

 

Real Estate Services:

	Installments calculation
	Financial status

 

1 – Obtain an account statement

A) Summary Account Statement

1) Click (Account Statement)
2) Select Account No.
3) Select required period from the selection box
4) Specify required transactions (1-20)
5) Click (Yes)

B) Details Account Statement

1) To obtain detailed account statement click (advance search)
2) Specify start/end of account statement. Period should not exceed 6 months.
3) You may choose search method, debt transactions, credit transactions only or search for a specific amount.
4) Click (Yes)

 

2) Inter-personal accounts transactions

	Maximum Inter-account transfer limit (KD 10 thousand) per day:
	Select (Financial Transfers) from banking services list and then select (my accounts)
	Specify account from which transfer is required
	Specify the account to which transfer is required
	Specify transfer amount.
	Enter password for kfhonline
	Press (yes)
	Following verification of details click (ok) or press (back) to amend details or abort transaction.

 

3) Other inter-account transfers – KFH

You may conduct a transfer to other accounts previous configures as follows:
 

	Select (financial transfer) from (Banking services) then select (to other accounts)
	Select the account from which you wish to transfer –
	Wbrwe NIYUBR
	Select beneficiary name
	Enter kfhonline password.
	You may register other accounts (beneficiary definition) where you can transfer funds on line. Please follow instructions:
	Select (beneficiary list) from banking services chart
	Select (KFH internal transfer) or (local and international telex transfer)
	Enter transferee account No.
	Enter transferee’s name (triple name)
	Enter transferee’s description
	Click (Add). The account will be added to the beneficiary’s list or rejected during 2 working hours after verification of data.

 

4) Permanent orders

To add permanent orders to KFH internal accounts (ensure that beneficiaries are defined in the same preceding manner) then follow instructions:
 

	From banking services domain select (Permanent Instructions) then select (Addition) or (Amendment)
	Select transferor’s account
	Enter monthly transferable amount
	Select transferee’s account from your personal accounts list, beneficiaries list or charity accounts list
	Specify beginning and ending dates for permanent deduction instructions.
	Enter kfhonline password and then click (Add)
	Verify details and click (OK) or click (Back) to amend details or abort transaction

 

5) Bill Settlement

	Select (Bill Settlement) from Banking Services domain
	Specify payee (Ministry of Communication, MOTC, NTC, others)
	Enter Phone No. or invoice No.
	Enter emount required to be deducted from your account
	Enter kfhonline password and lcik (ok)
	Verify details and click (ok) or click (Back) to abort transaction.

Notice: Bills are settled within 3 working days from the date of deducting the amount.

 

6) Credit Cards

	Click on credit card account No.
	Last month transactions will be displayed. You may select the required period to obtain an account statement.
	Maximum limit fort he credit card account is 3 previous months where each month will be requested separately.
	You may conduct a search in the account statement for a certain transaction by specifying the period or the amount or description of transaction.

 

7) Disable ATM Card.

	Select (Disable ATM Card) from Cards domain
	Enter required card No.
	Specify disabling reasons (lost – Stolen)
	Click (OK)

Notice: When ATM card is disables plese refer to your branch to obtain new card.

 

8) Cheque Book

	Select (Cheque Book Request) from the (Services) domain.
	Specify CURRENT ACCOUNT IN kd
	Specify required book size (25-50 ) pages.
	Specify No. of books
	Click (OK)

Notice: Please refer to your branch to receive cheque book after 3 working days.

 

9) Commercial Services:

	Select (Financial Status) from commercial services list.
	Details of (transactions – guarantee) made through KFH commercial sector will be displayed.
	To inquire about certain transactions click (sending message to technical support for verification)

 

10) Fax On Time

You may receive a monthly or weekly statement on any fax you select as follows:
 

	Click on Fax On Time
	Specify Account No. , type fax No. and select (weekly or monthly)

 

11) Short Messaging System (SMS)

You may receive SMS messages on your mobile in case of any change on account or when salary is credited.
 

	Click on SMS Service
	Specify Account No., type mobile No., select other selections and click (OK) after entering password (service charges KD 2/- per annum) .

 

12) General Services

	E-mail: for sending messages to KFH and receiving replies thereon.
	Notices: used to enable KFH to send SMS messages regarding your personal accounts in case they reach the minimum limit or the highest limit specified by you.
	Personal details: To amend your personal data, which have entered upon registering in the service.
	Option: To select 5 foreign currencies which you prefer to be displayed always upon entry to the service on the Home Page. It also determines the method of displaying account statement details, with or without details, in the (Operation Description) domain.
	Currency rates: to inquire about daily currency rates.
	Change Password: Used to replace current password with new password.