KFH Rewards

KFH Rewards

KFH Rewards Prepaid Card is part of the KFH Rewards Program, where customers can earn 10 points for every KD 1 spent when using the card for all purchases, locally and internationally. Moreover, customers will receive 1,000 welcome points upon card issuance.

AlRabeh account

Open AlRabeh account and you will have the chance to win 1,500 Kuwaiti
Dinars weekly,1 kg of Gold monthly and 25,000 Kuwaiti Dinars quarterly.

KFHOnline application

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  • Instant virtual cards issuance
  • Buy and sell gold
  • Cardless withdrawal and deposit
  • Send and request money
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In the news..

Al-Marzouq: Kuwaiti Banks Set to Finance Mega-Projects Across Housing, Power, and Infrastructure
Al-Marzouq: Kuwaiti Banks Set to Finance Mega-Projects Across Housing, Power, and Infrastructure

Chairman of the Kuwait Banking Association (KBA) and Chairman of Kuwait Finance House (KFH), Hamad Abdulmohsen Al-Marzouq, presented a comprehensive outlook on the resilience and strategic direction of Kuwait's banking sector, positioning it as a pivotal platform for national economic transformation. Speaking at the panel "Financial Infrastructure as a Platform" during the "Kuwait – The Beacon of a New Era: Foundations for Economic Transformation" event, held in parallel with the IMF–World Bank Annual Meetings, Al-Marzouq detailed how the sector is converting its stability into a competitive advantage and a foundation for global growth. The panel was attended by Kuwait’s Minister of Electricity, Water and Renewable Energy and Minister of Finance and Acting Minister of State for Economic Affairs and Investment , Dr. Subaih Abdul Aziz Al-Mukhaizeem, as well as Ambassador of the State of Kuwait to the United States of America, Sheikha Al-Zain Al-Sabah, along with a number of senior leaders and officials from Kuwait’s banking sector. Banking Sector Strength: A Strategic Asset Attracting Investment When asked how the financial system's strength can attract long-term international partners and investment, Al-Marzouq affirmed the sector's exceptional health. "Kuwait’s banking sector is indeed well capitalized, backed by prudent regulatory oversight and a capital adequacy ratio nearing 20%, well above the regulatory minimum of 13%. It has consistently demonstrated resilience especially in the aftermath of global economic crises," he stated. He provided up-to-date figures from the Central Bank of Kuwait H1 2025 report: "Asset quality remains strong, with a gross non-performing loan ratio of just 1.6% and an NPL coverage ratio of 242.1%, probably considered the highest in the region and globally. Liquidity as measured by LCR or liquidity coverage ratio is solid at well above 150%, and profitability is good with local banks achieving ROE of around 12% reflecting operational efficiency and robust returns." He concluded, "This strength is more than a safeguard — it’s a strategic asset. Kuwaiti Banks have been leveraging these strengths through forming strategic partnerships and ventures with international asset managers, positioning Kuwait as a secure and credible financial hub in the GCC and MENA markets." Furthermore, he noted that this financial robustness is utilized through syndicated lending and structured finance. "Mega projects that were financed or will be financed by Kuwaiti banks include power stations, Mubarak Port, and mortgage lending, which is expected to be approved soon under new legislation.” Kuwait's Vision for Ethical and Islamic Finance Addressing the growing relevance of ethical and Islamic finance, Al-Marzouq highlighted Kuwait's historical credentials and future ambitions. "The Islamic finance industry today is valued at around US$ 5–6 trillion. Kuwait, one of the pioneer countries in Islamic banking with the first license granted in 1977, has the credibility to shape its next phase. One of the main ambitions of Islamic banking is to fully cater to the financial needs of the Muslim population of 2 billion making a quarter of the world population," he explained. To ensure international relevance, he stressed the drive for digital transformation and standardized practices. "KFH among many Islamic banks has been at the forefront of setting harmonized Shariah standards that facilitates cross-border flows and build investors’ confidence just as we, at Kuwait Finance House, have done in UK, Germany, and Egypt. We have been integrating ESG principles within Islamic instruments introduced such as green sukuk and sustainable energy financing. We have also been focusing on nurturing fintech sandboxes that export Kuwait-certified solutions. These innovations ensure Kuwait remains internationally relevant, while appealing to diverse markets seeking ethical, inclusive, and Sharia compliant financial system." Safeguarding Trust and Balancing Regulation in the Digital Shift Discussing the acceleration of digital banking, Al-Marzouq focused on the critical role of trust. "This question is twofold: the first relates to trust, which is considered the most valuable currency in banking, and every digital initiative must reinforce it through diligent security to ensure safety against cyber-attacks to the best degree possible," he stated. He also cited the domestic rollout of instant payments: "Kuwait’s rollout of instant payments system (WAMD), which requires only entering the beneficiaries’ phone number demonstrates the commitment to adopt the latest payments technologies by the banking sector. WAMD has processed over a million transactions in its first year and has been well received by customers reflecting confidence in digital rails." To mitigate the sophisticated risks from hackers, he noted two measures: " The first involves fraud awareness campaigns by the Central Bank and the local banks, while the second is fraud-reporting war room established by the concerned authorities to receive reports and immediate action." On the balance between regulation and agility, he highlighted the collaborative approach in Kuwait. "Although it is not a secret that banks around the world always complain about regulations, the situation in Kuwait is probably better than other countries because of the continuous dialogue between the banks and the Central bank as well as other regulatory authorities. This has led to a balanced regulations that take into account public interest while not impeding banks agility and innovation." Lessons from Advanced Markets and Capital Mobility On adopting lessons from advanced markets without stifling local adaptability, Al-Marzouq noted that policies must be shaped by a country's size, the maturity of its financial institutions, and national objectives. "Among the main lessons is how volatile liquidity can shift from one market to the other as global markets witness substantial increase in hot money. The 2008 crisis exposed the vulnerability of depending on unstable capital flow," he remarked, citing the US government's emergency measures during that period. "Other areas of interest where we can benefit are the advances achieved in compliance, risk management, and the deployment of AI and robots in achieving fast and efficient products and services provided to our clients." Linking Financial Infrastructure to Economic Transformation Al-Marzouq clearly defined the economic transformation Kuwait is seeking: "We need to transform the economy from being largely dependent on oil into a more diversified economy that can basically achieve two objectives: 1. Ability to generate foreign currency from other sources than oil and 2. The ability to generate jobs. This transformation has to be done jointly between the public and private sector." He confirmed that expanding the private sector's role is a priority under Kuwait’s Vision 2035. To facilitate this, "financial institutions and private sector players in general are continuously upgrading their technology infrastructure to be able to adapt and facilitate the inflow of capital." He offered a specific example of contribution: "Let me give you a specific example: at KFH we have been investing in our business-to-business systems and protocols that have made us now better positioned to integrate clearing and settlements with global exchanges, making Kuwaiti sukuk and other instruments seamlessly tradable abroad." He stated this work contributes to positioning Kuwait as a regional liquidity and risk management hub, supported by new digital rails for cross-border payments and blockchain-enabled trade finance, anchoring Kuwait at the center of capital mobility. Evolving Beyond Traditional Banking: A Platform for Growth Finally, Al-Marzouq outlined the sector's evolution into a platform supporting entrepreneurship, financial inclusion, and cross-border innovation. "The Kuwaiti banking sector is evolving beyond classic intermediation into a true platform for growth and inclusion. Our banks are creating venture financing ecosystems that support entrepreneurship, embedding financial inclusion by extending mobile-first solutions to different social segments including for example migrant workers," he said. Crucially, the sector is "adapting open banking through Application Programming Interfaces (APIs), a key component of Open Banking and Banking-as-a-Service (BaaS), which significantly promotes entrepreneurship. The objective is to promote Kuwait as a testbed for regional fintech interoperability." He concluded, "This way, our financial system becomes more than a banking channel — it becomes a convergence point for innovation, inclusion, and cross-border collaboration, enabling Kuwait to serve as both connector and catalyst for economic transformation." Al-Marzouq concluded with a clear mandate for the future: "Kuwait’s banking sector stands at a unique juncture. Our resilience is proven, but our mandate now is to transform that stability into global investments and global technology. By fusing our heritage in Islamic finance with innovations in digital banking, and by deepening our linkages with international markets, we can ensure Kuwait is not merely adapting to the global financial future but is determined to be part of shaping it.”

Forbes Names KFH Group CEO Khaled AlShamlan among Middle East Sustainability Leaders
Forbes Names KFH Group CEO Khaled AlShamlan among Middle East Sustainability Leaders

KFH Group Chief Executive Officer, Khaled Yousef AlShamlan, has been recognized on Forbes Middle East magazine's "The Middle East's Sustainability Leaders 2025” list. KFH Head of Group Compliance and Governance, Meshal Alshayee, accepted the recognition on behalf of AlShamlan at an award ceremony on the sideline of the 2025 Forbes Sustainability Leaders Summit in Abu Dhabi. The ceremony gathered leaders from the sustainability, technology, and financing sectors committed to enhancing green practices and sustainability. Forbes recognizes executives who drive sustainability and impact in the region’s largest companies across 15 industries, including banking, energy and utilities, food and agriculture, investment and holding companies, renewable energy, and others. KFH Group CEO, Khaled Yousef AlShamlan was ranked as the top CEO in Kuwait and the fifth in the Middle East`s banking sector. Forbes said that KFH invested $934.45 million in sustainable Sukuk in 2024. The bank also reported that 51% of issued credit cards were made from recycled plastic. The magazine added that KFH expanded to 11 KFH Go branches, installed LED lighting, and replaced traditional lighting across its head office and branches as part of its efforts to increase energy efficiency. KFH Auto ecofriendly Showroom received the Global Sustainability Assessment System GSAS – Gold Level Certificate, first-of-its-kind in Kuwait. The Most Sustainable Projects in the Middle East Award Moreover, KFH won the Most Sustainable Projects in the Middle East award for 2025 from Forbes Middle East magazine. This recognition is for the bank's sustainability initiatives, which included investing $934.45 million in sustainability and green Sukuk in 2024. The award was received by Head of Group Compliance and Governance, Meshal Alshayee who expressed his pride in the achievement. This recognition highlights KFH's significant contribution to sustainability, specifically through its successful investments in green and sustainability Sukuk. KFH was also recognized for its strong commitment to environmental sustainability and its integration of sustainable practices into all operations. This distinction is based on the bank’s proactive adoption of Environmental, Social, and Corporate Governance (ESG) principles, which serve as a core element of its corporate strategy and align with the Kuwait 2035 vision for Sustainable Development Goals (SDGs). While receiving the award, Alshayee highlighted KFH’s sustainability endeavors, indicating that the Bank achieved MSCI ESG “A” rating by Morgan Stanely. KFH was also included in the FTSE4Good for its exceptional performance in the ESG practices and commitment to sustainable finance. Additionally, KFH Auto Showroom won the GSAS Gold Level Sustainability Assessment Certificate, the first environmentally friendly building that fully complies with sustainability standards. Alshayee also underscored KFH’s efforts in sustainability, such as signing a Memorandum of Understanding with the United Nations Development Programme (UNDP) and an agreement on the Women’s Empowerment Principles (WEPs). KFH organized the first-ever Sustainable Business Program for SMEs, which is designed to give these businesses a competitive advantage and help them achieve their goals. This initiative underscores KFH's vision to promote sustainable development and its leadership in stimulating the entrepreneurial environment. He emphasized the continuation of the "Keep It Green" initiative, emphasizing its role in enhancing environmental protection and reducing carbon emissions for a more sustainable future. He further noted that KFH is the first institution to issue impact measurement reports. KFH is also the first bank to release annual Sustainability Report as well as Carbon Footprint Report, which include valuable insights, and detailed plans that outline the efforts to reduce carbon emissions. The report also sheds light on minimizing the negative environmental impact of activities that are not aligned with environment protection efforts in the coming years, in accordance with global initiatives for combating climate change. It is worth noting that Forbes Middle East selected KFH for this award in recognition of its 2024 success in allocating sustainable investments to green and sustainability Sukuk, with a total value of $934.45 million. Forbes Middle East’s methodology considers several criteria, including sustainability and ESG reporting, green and sustainable finance initiatives, and performance indicators such as changes in greenhouse gas emissions, reliance on renewable energy, and the adoption of energy-efficient technologies. The magazine also tracks the progress made in these areas. Forbes Middle East also reviews questionnaires as well as sustainability and ESG reports. This process is further refined by classifying each sector separately.

KFH Releases 2024 Carbon Footprint Report
KFH Releases 2024 Carbon Footprint Report

Kuwait Finance House (KFH) has released its 2024 Carbon Footprint Report, which highlights the Bank’s key environmental achievements and initiatives during the year. The report also provides a comprehensive assessment of the environmental impact of KFH’s operations, products, and services, while shedding light on the main sources of emissions with the aim of developing effective solutions to reduce them and support the KFH’s efforts in combating climate change and optimizing the use of resources. Moreover, the report presents the Bank’s efforts to reduce greenhouse gas emissions, while reaffirming its commitment to launching financial products that support environmental initiatives and expanding its climate efforts in line with Kuwait’s national development goals and global climate objectives. This report marks an important milestone in KFH’s journey to develop an integrated disclosure framework that enhances transparency and ensures alignment with international sustainability standards. In his opening message, KFH Group Chairman, Hamad Abdulmohsen AlMarzouq, stated that releasing the Carbon Footprint Report reflects the bank’s unwavering commitment to environmental sustainability and its dedication to integrated sustainable practices across its operations. He added that KFH’s proactive approach in adopting environmental, social and governance (ESG) principles represent a cornerstone of the Bank’s corporate strategy. AlMarzouq emphasized that KFH has been lauded for its leadership in sustainability. The bank's focus on environmental, social, and governance (ESG) practices led to an "A" rating from the MSCI ESG index, the top score among Kuwaiti banks for 2024. KFH was also named to the FTSE4Good Index and received several prestigious awards, including Kuwait’s Best Bank for Sustainable Finance from Global Finance magazine and Best Bank for ESG from Euromoney, all of which confirm the strength of its ESG strategy. He noted that KFH’s acquisition of the formerly AUB-Bahrain Group strengthened the Bank’s position as the largest private sector company listed on both Boursa Kuwait and Bahrain Bourse, with a market capitalization exceeding KD 14 billion, and as the world's second-largest Islamic bank. This initiative has established a prominent banking entity, boasting an expansive international footprint spanning 10 countries, including key markets such as Kuwait, Bahrain, Turkey, Egypt, Germany, and the United Kingdom. This global presence strengthened the Bank’s capability to support sustainable development in new markets. AlMarzouq affirmed KFH’s commitment to supporting Shariah-compliant green finance. These efforts are demonstrated though energy-efficient home and vehicle financing to green Sukuk investment to fund renewable energy and efficiency projects. Additionally, KFH signed a unique MoU and co-launched a Global Takaful Alliance with the UNDP, promoting its role in implementing the UN Sustainable Development Goals (SDGs) and aligning its operations with ESG standards. As part of its environmental endeavors, KFH continued its eco-initiative. These included coral-reef restoration and island clean-ups in partnership with the Scientific Center and government agencies under its Keep it Green campaign, which encompasses an array of innovative environmental projects. KFH's commitment to sustainability is evident in its recent accomplishments. The bank received a LEED Gold Level Certification for Operations and Maintenance for one of its branches, a significant milestone in its sustainability journey. This follows the GSAS Gold Level Certification awarded to the KFH Auto showroom, making it the first of its kind in Kuwait to achieve this distinction. This certification highlights the showroom's adherence to environmental sustainability standards. AlMarzouq concluded that sustainability is an integral pillar of KFH’s strategy and affirmed that the Bank will remain steadfast in its commitment to continuously explore innovative solutions and partnerships that allow it to further reduce its carbon footprint and create a carbon neutral impact.

KFH Launches Zafafi Financing Product
KFH Launches Zafafi Financing Product

In line with its commitment to launching innovative banking offerings that meet market needs and boost its competitive position, Kuwait Finance House (KFH) has rolled out Zafafi product, one of the best financing solutions, to facilitate marriage requirements and enhance family stability. The product offers flexible terms and special profit rates. KFH Executive Manager Personal Finance Products, Abdulaziz Alsaeed, said that launching Zafafi marks a strategic step that enhances the Bank’s offerings which are tailored to support youth, fulfill their ambitions, and facilitate financial obligations concerning marriage. “The new initiative also aligns with Sharia principles and supports the State`s goals of building a cohesive and stable society,” said Alsaeed. He explained that Zafafi is among KFH’s most distinguished consumer financing products, offering newlyweds, both men and women, flexible financing to meet their essential needs such as furniture, home appliances, cars, and other consumer-related items, with special profit rates and convenient terms. Alsaeed added: “Newly married couples, individually or jointly, can apply for consumer financing of up to 25 times their net salary, up to a maximum of KD 25,000, repayable over a period of five years.” He pointed out that the newly launched product offers customers a grace period of up to 6 months prior to the first installment, helping ease financial commitments during the early stages of marriage. Additionally, customers can benefit from KFH’s installment deferment feature, which allows them to defer one installment each year, providing more flexibility to adjust payments according to personal circumstances. Alsaeed further highlighted that KFH provides Zafafi customers with exclusive offers in collaboration with leading suppliers in the local market, including a wide range of premium consumer products as well as special discounts and promotions. He clarified that newlyweds who wish to obtain financing under Zafafi product can apply through KFH branches across Kuwait, or via KFHOnline. Alsaeed reaffirmed KFH’s ongoing commitment to financial inclusion and its leading role in offering advanced banking solutions that cater to the needs of different customer segments. He emphasized that KFH continues to provide a comprehensive suite of youth-oriented products and services designed to support their needs.

Treasury Daily Market Report

Treasury Daily Market Report