FAQs

None! All you need to do to join "tam" is use Kuwait Mobile ID, answer a few questions and done you are ready to bank!

"tam" is a brainchild of Kuwait Finance House. It’s a whole new offering designed with YOU in mind. Created with the expertise and security of Kuwait Finance House, one of the leading innovative and trusted Islamic financial institutions in the world.

Use your smartphone to open a "tam" account in less than a minute. You will be issued a virtual card immediately and can be used instantly. No paperwork, no branch visits. Just download the "tam" app and join the "tam" community!

"tam" is for anyone who is interested in experiencing the fastest way of banking on the go. All you need to join is:

• 15+ years of life behind you
• A valid Kuwait civil id issued to the citizens of Kuwait only
• A smart phone

Enjoy a world of opportunities with our unique and fun features.

With "tam" you get:

• A digital savings account
• Instant virtual card for all your needs
• Easily track your payments
• Add friends to send and receive money quickly
• Transfer money in and out of your account, locally
• 24/7 “tam” Help Centre available through call and WhatsApp
• Earn rewards as you bank with "tam"

Because we are the bank of the future and we are breaking the mold of traditional banking to bring you something unique.

We’re a simple, honest and fun solution for your lifestyle. And ultimately, we want you to do more and get more of all the things you love the most in life.

That’s why with "tam", you earn as you bank, anytime and anywhere.

Absolutely nothing! The "tam" mobile app is free. On the contrary, you benefit from banking with "tam". It comes with cool features and lots of opportunities to grab great deals from the brands you love the most. Share it with your friends and earn exclusive rewards.

There is no minimum balance required to open Tam account.

It is a service off¬ered through “tam” App that allows “tam” and local banks customers to send and request money using their verified mobile number instantly.

Yes, it’s available 24/7 during weekends and holidays.

It’s free of charge.

Through the “tam” app by choosing the “WAMD” service from the main menu then choosing Subscribe to “WAMD” and following the steps.

This service allows you to send money to another customer to another local bank or the same bank, the recipient must be registered in the service via mobile number (it is not mandatory to be registered in the service if you want to use send money), amount will be debited and credited instantly, name of the beneficiary (receiver will be displayed) before the transfer.

Through the “tam” app by choosing the “WAMD” service from the main menu, then click on service icon, choose cancel subscription and follow the steps.

Through the “tam” app by choosing the “tam” service from the main menu, then click on service icon, choose FREEZE “WAMD”.

• Minimum amount per transaction is 1 KD
• Maximum amount per transaction 1,000 KD
• No limit on of transactions per day as long as the total amount does not exceed 3,000 KD in a single day
• Maximum amount that can be sent each month is 3,000 KD

This service allows the customer to request money from others. The receiving customer and the sender must, both, be registered in “WAMD” service, and the validity of the request is 24 hours. A SMS will be sent to the recipient (the payer) stating the money request, and then he must log in to “tam” App within 24 hours, accept the payment request and follow the steps.

This matter should be settled directly between the sender and the beneficiary, as both debit and credit take place instantly.

You can transfer your subscription on “WAMD” service to your account through “tam” App when you click on “Subscribe to the service”.

Our experience is digital end-to-end. However, keep on the lookout, we will share a notification on your app for requesting your physical card.

Simply start your journey through the "tam" app to generate your student allowance transfer form and share it with your university whichever way suitable.

The total monthly balance of the account cannot exceed KD 3,000.

It is exactly like a physical card, just in virtual form and you can start using it immediately online or at your favorite stores.

With a single click you can add your virtual card to Apple pay, Samsung Pay, and others.

Don’t worry! All you need to do is submit a lost card request through the "tam" app. A replacement virtual card will be issued to you instantly.

You can use your virtual card at KFH ATM to withdraw cash.

You can top-up your account by generating payment link or using Knet service.

You can transfer money from your "tam" account to your prepaid card.

"tam" rewards program lets you earn and burn points either through your day-to-day transaction and/or engagement activities.

You will be automatically enrolled to the "tam" rewards program after you complete onboarding to "tam".

"tam" Membership Tier indicates the exclusive benefits and privileges you get. Program Membership tiers are based on your "tam" Points Balance.

You can earn points on your "tam" prepaid card transaction.

You can easily redeem your points through e-vouchers issued from "tam" app redeemed at the participating partner.

Use your e-vouchers at participating brand store by simply showing cashier the voucher code generated in "tam" app.

Use your deal vouchers as wallet recharge or discount depending on deal type in online brands.

Get in touch with "tam" agents through WhatsApp or call center on 1803000. We will have your issue resolved in no time!

Nothing will happen to the account. It will remain active. You can transfer money to your "tam" account in the next month.