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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.
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
- 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 Reinforces Leadership with Innovative Saving and Investment Products
Kuwait Finance House (KFH) continues to reinforce its leadership in excellent banking solutions by offering a distinctive and diversified portfolio of savings and investment products. These offerings are tailored to meet the evolving needs of different customer segments and aligned with their financial aspirations, age groups, income levels, and investment capabilities. These products are the results of a strategic vision centered around innovation and the delivery of distinctive banking solutions that combine savings and attractive returns. They also offer flexible options to meet the diverse needs of customers, while supporting financial stability and empowering the community to engage in sound financial planning. Thimar The most prominent of these offerings is Thimar investment plan which is designed to achieve a secure retirement. This plan is available for customers aged 21 to 55, with investment term ranging from 5 to 39 years. Thimar key features include the flexibility to adjust the target amount, or the monthly deduction at any time. Additionally, customers can withdraw up to 60% of the balance in the first year, and up to 60% each year following the initial withdrawal. They also have the option to increase the monthly investment amount automatically once every two years. The target investment amount ranges from KD 4,000 to KD 120,000. When opening Thimar plan, a Takaful insurance coverage is automatically issued in the customer’s name. The insurance will cover the unpaid savings due to death or total disability (sickness or accident) during the saving period. Shifaa KFH also offers Shifaa long term investment plan, providing a Takaful coverage for private health care. The saving plan allows customers, ranging between 21 and 60 years of age, to save monthly amounts and obtain higher investment returns upon the investment’s end term or when needed. Shifaa includes two main elements, savings with high investment returns and Takaful coverage for death or permanent total disability due to sickness or accident in addition to emergency diseases. Customers can save monthly amounts while benefitting from higher investment returns on their savings, in addition to Takaful coverage that guarantees the customer to obtain the full target amount throughout the coverage period. In the event of health-related needs, the savings remain readily accessible, enabling customers to cover the required healthcare expenses. The investment period for this saving plan ranges from 5 years to 15 years. Customer can also withdraw up to 60% of the saved amount in the first year and 60% once every year after the first withdrawal. The customer can deposit any amounts in addition to the withheld monthly saving amounts without affecting the schedule of the plan. The target investment amount ranges from KD 4,000 to KD 60,000. Injaz Reaffirming its commitment towards meeting youth investment aspirations, KFH offers Injaz investment plan, enabling the youth to plan ahead and achieve their dreams by investing their savings to start a business or purchase a house. The Injaz investment plan is available for customers aged 21 to 55, with saving durations ranging from 2 to 15 years. By committing to monthly savings that yield investment profits, customers gain access to a growing fund available whenever they need it. When opened, Injaz will automatically have a Takaful insurance coverage in customer’s name. This insurance will cover the unpaid savings due to death or total disability (due to sickness or accident) during the saving period. The investment plan also offers the convenience of adjusting investment amounts, or monthly installments at any time, with automatic monthly transfers from the customer’s account. Customers may withdraw up to 60% of the balance in the first year, and up to 60% each year following the initial withdrawal. They can also deposit fixed amounts in addition to their monthly savings without affecting the plan schedule. The full investment amount, together with the accumulated profits, becomes available at the end of the term. The target investment amount ranges from KD 3,000 to KD 120,000. Jameati In line with its responsibility towards future generations, KFH offers the Jameati long-term investment plan to help parents build a secure financial foundation to meet their children’s education expenses. To benefit from this long-term investment plan, the child must be no older than 14 years, and the customer’s age must be between 21 and 61 years. By the time the child reaches university age, the accumulated savings and profits will be available to cover all university education expenses, paving the way for a promising future. The investment term of Jameati ranges from 4 to 18 years. Although the Jameati investment plan is designed as a long-term solution, customers have the flexibility to adjust the investment amount or monthly contributions at any time. Additionally, customers can withdraw up to 60% of the balance in the first year, and up to 60% each year following the initial withdrawal. The target investment amount ranges from KD 3,000 to KD 120,000. Rafaa Believing that big steps require early planning, KFH offers the Raffaa long term investment plan to help customers cover the expenses of their children’s marriage. Through Rafaa investment plan, customers can save monthly amounts and benefit from higher investment returns on their savings, in addition to Takaful coverage. Upon their children reaching the pre-determined age, the total accumulated savings, together with the investment profits, will be available to cover marriage expenses. Among the conditions of the investment plan is that the age of the customer’s child must be less than 20 years, and the customer’s age must be between 21 and 61 years. The investment term of Rafaa plan ranges from 4 to 25 years. The target investment amount ranges from KD 4,000 to KD 120,000. Rafaa advantages include the following: the investment amount or monthly payments may be amended at any time and the amounts can be automatically transferred on monthly basis from the customer account to Rafaa investment account. The customer can withdraw 60% of the balance in the first year and 60% every year after the initial withdrawal. In addition, the customer can automatically increase the monthly investment amount once every two years. It is also possible to deposit specific financial payments, in addition to the monthly deductions, without affecting the schedule of the investment plan. The saving amount and accrued profit during the investment period shall fall due upon expiration of the investment plan. It is worth noting that KFH long-term investment plans feature Takaful coverage with several options including diminishing Takaful coverage and fixed Takaful coverage. The customer may withdraw from the investment plan account upon the lapse of the first year during the investment plan period. Long-term plans are also characterized by their full flexibility concerning the amendment of the amount to be invested and the monthly payments at any time. The customer may also deposit certain payments, in addition to the monthly deducted amounts, without any impact on the investment plan schedule or the targeted amount.
KFH Positions Banks and Licensed Entities as Cornerstones of Safe Investment
In support of Diraya campaign, Kuwait Finance House (KFH) emphasizes the role of Kuwaiti banks in offering a diversified array of investment opportunities for customers wishing to grow their savings in a secure manner and under a regulated and clear framework. In a press release, KFH added that the investment options offered by local banks, under the regulations of the Central Bank of Kuwait (CBK), are a safe haven and a stable source for financial investments, along with other companies and official institutions licensed and subject to the regulatory authorities responsible for protecting the national economy and the investment sector. KFH pointed out that the secure investment services and products obviate the need for involvement in investment activities with unfamiliar entities that promise financial returns from fraudulent or high-risk projects. KFH also stated that banks are assisting individuals seeking to invest in their funds through a variety of investment tools and experienced employees subject to the regulations and guidelines of regulators. KFH explained that among these safe investment services the banks offer are investment deposits, investment funds, investment savings in addition to the long and short-term investment plans. Meanwhile, KFH warns customers against engaging in high-risk investments that are promoted by unregulated entities and are not subject to oversight by any supervisory authority fueled by the growing presence of shell companies and other online scammers that promote quick profits. KFH advises customers and investors to refrain from responding to advertisements, text messages and emails received from unknown sources. Additionally, the Bank also urges investors to seek advice from qualified experts before making any investment decisions.
KFH Receives the LEED Gold Certification
Kuwait Finance House (KFH) has announced that the General Services Department received the Leadership in Energy and Environmental Design (LEED) Gold Certification from the U.S. Green Building Council (USGBC). This global recognition affirms the compliance of KFH’s several branches with the globally approved standards and the USGBC’s requirements. LEED Certificate is a globally recognized system for rating and classifying buildings based on their level of compliance with sustainability and energy efficiency standards. The certification assesses the quality of building design and operation in an environmentally responsible manner, covering key criteria including energy efficiency, water efficiency, carbon emissions reduction, indoor environmental quality, and the use of sustainable building materials. Buildings awarded the LEED certification are characterized by several fundamental elements that provide them with a competitive advantage, in addition to being newly constructed buildings. These include reducing greenhouse gas emissions, lowering operating costs, and enhancing indoor environmental quality. The internationally recognized LEED certification is granted through two closely related entities, the USGBC which developed the LEED rating system and its core standards, and the Green Business Certification Inc. (GBCI), which is responsible for certification issuance, verification, and auditing services for projects worldwide. KFH Executive Manager General Services, Ayman Altabtabaei, said that obtaining the certification for a number of KFH’s branches represents significant operational, financial and environmental benefits, “Studies confirm that LEED-certified buildings performs better than conventional buildings, operating at lower costs and consuming less energy and water,” he noted. “This leads to constantly reducing OPEX, enhancing indoor environment quality of the branch, contributing to employee well-being, improving customer experience within branches, and strengthening institutional reputation and sustainability.” He added that LEED is a globally recognized benchmark, and achieving this certification positions KFH among leading institutions in sustainability, particularly in light of the Central Bank of Kuwait’s increasing focus on Environmental, Social, and Governance (ESG) reporting. Altabtabaei emphasized that LEED certification for KFH branches is not merely an environmental accomplishment, but a strategic financial and operational investment that enhances efficiency, reputation, customer and employee satisfaction, asset value, and compliance with global sustainability standards. It is worth noting that KFH places customers at the core of its development and improvement efforts, ensuring higher levels of trust and enabling the Bank to implement plans more efficiently in a manner that strengthens competitiveness and supportive work environment.
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 also launched "Fahad", Kuwait's first AI-powered virtual employee. This groundbreaking innovation was first introduced at the KFH branch in The Avenues (Phase 4). "Fahad" is designed to answer customer inquiries and provide comprehensive, real-time guidance on a wide range of banking services and products. The launch of "Fahad" underscores KFH's dedication to digital transformation and its commitment to offering advanced banking experiences to its customers. 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, including Kuwait International Airport. 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 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, 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.
