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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.
KFHOnline application
- Local & International transfers
- Open accounts and deposits
- Instant virtual cards issuance
- Buy and sell gold
- Cardless withdrawal and deposit
- Send and request money
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A collection of services and tools to meet your requirements
In the news..
KFH Offers Round-the-Clock E-services During the Holiday
Kuwait Finance House (KFH) announced it will continue providing its banking services to customers around the clock during the holiday period. Most services can be accessed through the bank's digital platforms, including its mobile applications and e-branches in key areas. Additionally, KFH's social media accounts and other e-service channels will remain active, utilizing the latest in financial technology and digital platforms. KFHOnline app features a sleek, modern design with smart banking services. KFH has carried out a comprehensive update to its app, reaffirming its dedication to digital transformation and excellence in providing advanced financial solutions. These solutions meet customer needs and deliver seamless banking experience. This move also underscores the Bank’s outstanding execution of its digital transformation strategy. The KFHOnline app offers more than 200 banking services. New services allow customers to instantly request virtual prepaid cards through KFHOnline. Customers can also control the usage limits of their bank cards, additional credit cards, and both local and international money transfers. KFH's hybrid branches offer a variety of services, giving customers the opportunity to access unlimited e-services through a range of digital channels. Customers can either interact directly with employees or use self-service devices and other modern technology. KFH's e-branches are a smart banking channel that transforms typical customer transactions into an innovative, automated experience. These branches provide highly efficient banking services, offering over 80% of what is available at traditional locations. KFH e-branches include the XTM device, which allows direct video calls with service personnel, as well as ATMs and cash deposit machines. The cash deposit machines accept up to 300 notes per transaction. Moreover, customers can conduct a variety of interactive banking transactions through e-branches located in various places in Kuwait. These services include: establishing Murabaha transactions, requesting credit and prepaid cards, updating data and phone numbers, activating bank cards, opening deposits and accounts, instant cheque and card printing, receiving gold biscuits (10 grams), opening (gold, savings, Al-Rabeh, electron) accounts, online gold purchase and sell, cardless withdrawals using QR code through mobile, or by using Civil ID or phone number, in addition to many other financing and banking services conducted quickly, easily and safely. The e-banking services encompass a wide array of digital functionalities, including opening additional bank account in Kuwaiti Dinar and foreign currencies without a branch visit, instant virtual prepaid card issuance, viewing PINs and other credit and ATM card details, activating and temporarily suspending bank cards, opening deposits, adding beneficiaries, balance inquiries, cheque book requests, opening and trading gold accounts, gifting gold, requesting and checking financing obligations and installments, perusing investment plans, receiving account balances and deposit summaries, and managing children's accounts through the Baiti Online service, bill payments to local telecommunications companies, and more. Call Center The Call Center continues to provide services around the clock, receiving customer calls, addressing their inquiries, and responding to them through a qualified and technically advanced staff. KFH also provides the automated telephone service, 1803333, which operates with the same efficiency and speed to facilitate transfers between accounts, answer inquiries about financial transactions, among other services. Customers outside Kuwait can contact KFH’s call center from seven countries (USA, Canada, UK, France, Germany, Turkey and Spain) without additional fees. To use this service customers can call from the following toll-free numbers: USA and Canada (18008188608), UK (08000148898), France (0805086620), Germany (08001817080), Spain (900905440), and Turkey (908507712154). Local tariff charges may be applied in Turkey by local Turkish telecoms companies when calling this number. This service is free exclusively for mobiles and landlines users in the mentioned countries only and doesn’t include the (Roaming Service). Social media channels KFH's social media team remains dedicated to addressing customer inquiries and assisting them at all hours through the official social media accounts (@KFHGroup). Money transfer and account opening KFH successfully launched WAMD digital service, allowing customers to send and receive money instantly and for free using their mobile numbers, 24/7. Additionally, customers can request money through WAMD service by sharing or scanning a QR code from the KFHOnline app. This app also allows customers to transfer funds from their local Knet bank accounts directly to their credit and prepaid cards. KFH also successfully launched the D-POS device for account opening, the first-of-its-kind in the market, allowing customers to open accounts at KFH immediately and anywhere. Customers can now open accounts in major currencies through KFHOnline; previously, account opening was only available at branches. Additionally, KFH has integrated Western Union (WU) services into its app, enabling customers to make international transfers directly through the application. The Bank also offers instant transfers within the GCC countries through the AFAQ network on the mobile app. Corporate services KFH launched the first mobile application for corporate banking encompassing major services for business development, in addition to launching facial recognition technology based on biometric identity and other distinguished electronic services available through the corporate banking webpage. KFH successfully introduced corporate cards, offering three different products that cater to the various local and global corporate needs. Key features include cash and cheque deposits, as well as cash withdrawals. The cards also provide access to Point of Sale (POS) terminals and online payment gateways, both in Kuwait and internationally. In addition, KFH has introduced corporate credit cards, which are among the bank’s distinguished offerings for business owners. These cards are linked directly to the company’s account, allowing business owners to issue cards to employees for seamless expense management. They can be used to cover day-to-day business expenses, one-time travel costs, and more. The corporate credit card helps businesses better manage their cash flow while offering enhanced control over employee expenditures.
KFH Promotes Compliance Culture and Internal Audit Awareness
Marking International Internal Audit Awareness Month, Kuwait Finance House (KFH) underscores its firm commitment to the internal audit function as a cornerstone of governance and a driver for achieving the institution’s strategic objectives. As independent, objective discipline, internal audit advances organizational efficiency through proactive risk management, resource optimization, and absolute compliance with professional standards. KFH remains committed to aligning its internal audit framework with both the Central Bank of Kuwait's regulations and global auditing standards. This alignment ensures the bank swiftly adapts to regulatory shifts, strengthens the efficiency of its internal controls, and fosters long-term sustainable growth. To foster a strong internal audit culture and enhance corporate awareness, the bank launched a series of initiatives this month. These included educational emails to employees and introductory videos highlighting how internal audit promotes compliance and risk management, boosting knowledge and encouraging active participation across our workforce. Internal auditing is based on four main pillars: providing the Board of Directors, the Audit Committee, and Executive Management with assurance that risks are managed efficiently and controls are working effectively; offering advice on new projects, products, and processes to ensure controls are established from their earliest stages; delivering insight by turning observations into practical recommendations that improve performance; and fostering a commitment to integrity, ethical standards, and a culture of accountability across the entire bank. Internal auditing is based on four main pillars: providing the Board of Directors, the Audit Committee, and Executive Management with assurance that risks are managed efficiently and controls are working effectively; offering advice on new projects, products, and processes to ensure controls are established from their earliest stages; delivering insight by turning observations into practical recommendations that improve performance; and fostering a culture of integrity, ethical standards, and accountability across the bank. KFH Group’s internal audit team comprises highly qualified professionals equipped with specialized certifications, including CPA, CIA, CFE, and CISA. Their diverse experience across banking, financial, and technical operations strengthens the overall quality and efficiency of the bank's audit functions. The celebration of this month serves to emphasize the importance of raising awareness about the role of internal auditing in supporting governance requirements and increasing transparency. KFH continues its efforts to establish internal auditing as an effective strategic tool that protects assets, generates added value, and enhances the bank's position as a leading institution both locally and globally.
Minister of Higher Education Meets KFH Group CEO to Discuss Mutual Cooperation
His Excellency the Minister of Higher Education and Scientific Research, Dr. Nader Abdullah Al-Jalal, alongside the Undersecretary of the Ministry, Dr. Bader Al-Basiri, received Kuwait Finance House (KFH) Group CEO, Khaled Yousef AlShamlan, to discuss ways to cooperate and support national initiatives aimed at assisting students and improving academic awareness. During the meeting, the Ministry of Higher Education and KFH discussed ways to enhance cooperation and strengthen community engagement to support education and development in Kuwait. Dr. Al-Jalal praised KFH’s national, social, and academic support, particularly its strategic partnership in the "Wajhni" national external scholarship campaign. He emphasized that this collaboration reflects the vital integration between public and private sectors in serving youth and enhancing their education. Through progressive initiatives, it empowers students to make sound academic decisions that advance both their futures and the country’s development. KFH Group CEO, Khaled Yousef AlShamlan highlighted the bank’s strong commitment to education, integrating it as a core element of KFH’s social responsibility initiatives aimed at supporting national capabilities, particularly among youth. He described investing in education as a strategic investment in the future and the primary driver of development plans. He further emphasized that education is the key engine for the desired civilizational transformation and the realization of Kuwaiti society’s aspirations across all sectors. AlShamlan commended the great efforts of the Ministry of Higher Education and Scientific Research in sponsoring and supporting students and researchers in guiding their scientific journeys, in a way that serves development plans and labor market requirements and keeps pace with the ambitions and aspirations of Kuwaitis to increase scientific accomplishment. He pointed out that the well-considered strategic direction led by the Ministry was a key driver behind KFH’s participation in sponsoring the national “Wajhni" campaign which is hoped to become a comprehensive national academic project serving the largest possible segment of Kuwaiti citizens. The campaign aims to provide society with distinguished students, researchers, and academics who have studied at leading international educational institutions, enabling them to become key contributors to development through strong scientific and methodological foundations as well as practical expertise and real-world experience. The meeting was attended by the media advisor to the Minister’s office, Wissal Al-Zamel. Representing KFH were the Acting Group Chief Retail Banking Officer, Sameh EL-Meligy, Head of Public Relations and Media, Yousef Abdullah Al-Ruwaieh and Executive Manager social media and PR Services Center, Abdullah Al-Saif.
KFH Issues KD 200 Million Sukuk
Kuwait Finance House (KFH) has announced the successful issuance of KD 200 million Additional Tier 1 (AT1) Mudaraba Sukuk, marking the first and largest Kuwaiti Dinar-denominated issuance in the domestic banking sector. The Sukuk were priced at 200 bps above the Central Bank of Kuwait’s (CBK) discount rate, equivalent to an annual expected profit rate of 5.50%. Investor demand exceeded the target issuance size by more than KD 275 million. The issuance was fully subscribed by domestic investors, primarily private banking and wealth management clients, and financial institutions. Chief Treasury Officer – Kuwait at KFH, Ahmad Eissa Al-Sumait, said that the successful completion of the Sukuk offering, which achieved full subscription in record time and attracted unprecedented demand despite ongoing regional developments, geopolitical tensions, and their implications for economic conditions and investor appetite regionally and globally, reflects investors’ strong confidence in KFH and underscores its credibility across financial institutions and capital markets. He added that the issuance highlights KFH’s prestigious market position, strong creditworthiness, operational efficiency, robust brand, and outstanding financial performance across key indicators. Al-Sumait explained that the issuance aims to strengthen KFH’s capital base, diversify funding sources, and enhance its ability to support development projects in Kuwait, particularly in infrastructure, energy, and other vital sectors, in line with the Bank’s growth and expansion strategy. He noted that KFH Capital and Kamco Invest acted as Joint Lead Managers for the issuance, commending their significant role in the successful execution of the transaction. He also expressed appreciation to investors for their confidence, as well as to all partners and stakeholders for their contributions to completing the issuance within a record timeframe and achieving an oversubscription level above the initial target. Al-Sumait emphasized that the Sukuk market holds strategic importance for KFH as one of the prominent financing instruments in global markets. He noted that investor appetite for Sukuk continues to grow due to their role in supporting corporate expansion plans and facilitating entry into new sectors. He further highlighted that Islamic finance instruments continue to strengthen their presence in global capital markets, as reflected in increasing international investor interest in Sukuk issuances. KFH Capital Chief Executive Officer - Abdullah Sulaiman Al-Haddad Meanwhile, KFH Capital Chief Executive Officer, Abdullah Sulaiman Al-Haddad said that the company successfully led the arrangement of the Sukuk issuance, which was oversubscribed, marking the first domestic issuance of its kind denominated in Kuwaiti Dinars. He added that KFH Capital, the investment arm of KFH Group, acted as Global Coordinator and Joint Lead Manager for the transaction, noting that the issuance witnessed strong demand from local investors. This reflects the growing recognition of Sukuk as a reliable and attractive financing instrument supporting the growth and expansion strategies of corporates, governments, and major development projects, while also demonstrating the high level of confidence in KFH and the strength of its financial position. Al-Haddad explained that the Sukuk are perpetual in nature and callable after six years from the issuance date. He added that the transaction builds on KFH’s successful track record, noting that KFH Capital recently arranged several issuances on behalf of the Bank, including a USD 850 million Mudaraba Sukuk issuance in November 2025 aimed at strengthening KFH’s capital base. He noted that KFH Capital was keen to secure balanced, diversified, and comprehensive coverage for the issuance in a manner that reinforces long-term relationships with investors and maximizes participation levels. Al-Haddad added that the issuance represents a valuable addition to KFH Capital’s track record in the Sukuk market and extends several successful transactions arranged by the company, supporting the continued growth and wider adoption of Sukuk instruments. He noted that this reflects the confidence issuers place in KFH Capital’s expertise, capabilities, and institutional strengths, while further reinforcing KFH Group’s leading role in arranging and managing major Sukuk issuances. He also commended the high level of coordination and cooperation among all parties involved in arranging and covering the issuance within a record timeframe and with a high degree of professionalism and commitment. He expressed hope that this successful transaction would encourage further corporate Sukuk issuances in Kuwait, enabling companies to benefit from this financing instrument while supporting national economic activity.
