split#2.txt

If my salary is 1000 KD, the best card for me would be:
Mastercard world is the best cash back world as it provides the best cashback rate and other benefits.

The deduction date for the credit card:
The credit card deduction date will be based on your salary disbursement date. For example: If you’re an employee in PACI, and your salary was disbursed on 24th of the month, your credit card will be deducted on the same day.

To close the credit card:
You can close your credit card by visiting your nearest Warba bank branch.

Do I have to pay all the due amount to close the card:
You are required to pay all the due amounts on your card in order to close the card.

Taking a clearance certificate without closing my card:
You will need to close your card to get a clearance certificate.

I don't like the feature of my card (visa signature). How can I change it? And what's the 
recommended card for me in this case:
To assist you with the best replacement for your card, you need to visit the nearest Warba Bank branch.

Increase the limit of my card:
You can visit the nearest Warba Bank branch to assist you.

Decrease the limit on my card:
You can visit the nearest Warba Bank branch to assist you with this service.

Delivery of Lost card:
Upon request for a lost card, the delivery courier will contact you for delivery timings.

To know the due amount for my credit card:
-	Log in to your Warba App,
-	Click on the credit card on Warba App that you would like to know the due amount of.
-	You will find the due amounts below the card details.

Re-activate my card without coming to the branch:
If you’re late for the due payment amount for your card, you will have to visit the nearest Warba Bank branch in order to re-activate your card.

Opening a visa card for 15-year-olds:
You can apply for a Visa prepaid card if you are 15 years old.

Minimum age of opening a supplementary account:
The minimum age for opening a supplementary account is 14 years old. 

The credit card replacement fees:
The replacement fees for credit cards are 5 KD for prepaid cards and 15 KD for credit card replacement.

FEES AND COMMISSIONS:
Card Fees:
•	Subscription or renewal of the Visa/ MasterCard (regular - classic) in installments and not in installments fee is 50 KD.
•	Subscription or renewal of the Gold Visa/ MasterCard Card, both in installments and not in installments fee is 80 KD
•	Subscription or renewal of the Platinum Visa/ MasterCard Card, both in installments and not in installments fee is 150 KD
•	Subscription or renewal of the basic, installment and non-installment MasterCard Card fee is 100 KD
•	Subscription or renewal of the Visa Signature Card, both in installments and not in Installments fee is 150 KD
•	Issuance/ renewal commission of a refillable prepaid visa card fee is 5 KD
•	The commission for issuing a non-refillable prepaid visa card fee is 5 KD
•	Cash withdrawal commission - (credit cards - all kinds) - (installments and non- installments) - (locally/ Gulf /international) fee is 6 KD
•	Cash withdrawal commission - (ATM cards) - (of all kinds) - (locally - other banks)	 fee is 100 fils
•	Cash withdrawal commission - (ATM cards) - (all kinds) - (Gulf) fee is 1 KD
•	Cash withdrawal commission - (ATM cards) - (all kinds) - (international) fee is 2.5%
•	Balance inquiry/ inability to withdraw due to insufficient balance (through ATMs of a bank/ other banks) (locally/ Gulf/ internationally) - (ATM cards) - (of all kinds) fee is 50 fils local, 275 fils Gulf, and 100 fils Int’l
•	Settlement fees on purchases for the customer outside Kuwait (credit and prepaid cards - all types) on all currencies (Kuwaiti dinars and foreign currencies) fee is 2.5%
•	Settlement fees on purchases/ cash withdrawals for the customer outside Kuwait (automated exchange cards - all kinds) on all currencies (Kuwaiti dinar and foreign currencies) fee is 2.5%
•	Claims fees, audits of purchases and cash withdrawals (automated exchange - credit cards - prepaid) of all kinds fee is 5 KD
•	Amending the credit limit (validity limits) fee is 10 KD based on the customer’s request: 
A-	Temporary credit limit  
B-	Permanent credit limit (according to a credit study)	
•	Authorization/ confirmation of a purchase made via bank cards (by telex) fee is 3 KD
•	Fees for reporting loss/ waste/ theft (Visa/ MasterCard) - (of all kinds) fee is 5 KD
•	Commission for sending the card (automated exchange - credit cards - prepaid) of all kinds to the customer by express mail abroad fee is 15 KD
•	Subscription or renewal of the additional Visa/ MasterCard (Classic), both in installments and not in installments fee is 25 KD
•	Subscription or renewal of the additional Visa/ MasterCard (Gold), in installments and not in installments fee is 40 KD
•	Subscription or renewal of the additional Visa/ MasterCard (Platinum) in installments and not in installments fee is 100 KD
•	Subscription or renewal of the additional World MasterCard card, in installments and not in Installments fee is 100 KD
•	Subscription or renewal of the Visa Signature Supplementary Card, both in installments and not in installments fee is 150 KD
•	Re-issue/replace Visa/ Master credit cards for non-receipt/ lost/ stolen fee is 15 KD
•	Re-issue/replace (automated teller machine) (all types) of a damaged card fee is 5 KD
•	Re-issue/replace (prepaid) (all types) of a damaged card	fee is 5 KD
•	Suspension of the card by the bank for misuse (credit cards) of all kinds	5 KD
•	Extracting a photocopy/ copy/ original notice/ operational document/ E&T (hotels/ airlines...etc) done through (credit cards) of all types fee is 10 KD
•	Issuance/renewal of the ATM card (all types) fee is 5 KD
•	Issuance/re-issue of a new password/replacement of lost (automated teller machine - credit cards - prepaid) of all kinds fee is 5 KD
•	Foreign Currency Withdrawal Fees: The transfer purchase rate is applied, and then sold in cash, in addition to settlement fees
•	Issuing a prepaid card substitute/ stolen (all types) fee is 5 KD
•	Commission for transferring the balance of a prepaid card (all types) to the customer’s account fee is 1 KD
•	Reprinting an account statement (credit and prepaid cards) of all kinds - (for one year/ per page) fee is 1 KD
•	Subscription or renewal of the World Elite MasterCard primary card, both in installments and in installments fee is 240 KD
•	Subscription or renewal of the additional World Elite MasterCard, both in installments and in installments fee is 240 KD
•	Issuing / Renewal fee of the multi-currency prepaid card that is top-up capable fee is 5 KD

Other Fees and Commissions:
You can access the fees and commissions for Cheques, Safety Deposit Box, standing orders and other fees directly from Warba Bank's website by clicking this link: https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/BankingTariffs/Fees%20&%20Commissions%2070x100%20Poster%20ENG%20APR%202023.pdf 



TRANSFERS options through Warba Online:
Warba Bank offers the following transfer options through Warba Online:
Transfers between your own accounts
Transfers to a Warba Bank account
Domestic and international telex transfers
Transfers to charitable committees
Transfers to credit or prepaid cards
Express Transfers
Transfers for payment of mobile bills and internet cards
DOCUMENTS REQUIRED FOR COMPANIES AND ESTABLISHMENTS ACCOUNT OPENINGS:
For opening an account for establishments, the following documents are required:
Commercial registration certificate, a letter from the Public Authority for Civil Information indicating the civil number of the establishment, the original civil ID card of each authorized signatory.
For Companies The notarized memorandum of association, commercial registration certificate, a letter from the Public Authority for Civil Information indicating the civil number of the company, the original civil ID card of each authorized signatory based on the memorandum of associations as amended.
Warba Bank, where we offer a range of banking services tailored to meet the unique needs of our customers.let us take a closer look at the benefits of our various customer segments: Sunbula Kids, Bloom, W, Al Safwa, Al Safwa Plus, and Almassy.
Starting with the Sunbula Kids segment, this segment is designed for children from day 1 up to 15 years old. With this segment, customers can enjoy the following benefits for Sunbula Kids segment:
Instant issuance of an ATM card with a unique design.
An ATM daily cash withdrawal limit of up to KD 2,000 from ATMs.
Investment profits as per the annual rate of return.
Cash deposit via Warba Bank ATM machines.
Domestic and international shopping across POS devices.
Free domestic and international SMS service.
Free Warba Online service from the App Store or Google Play.
Bloom segment:
Next, we have the Bloom segment, which is designed for individuals from 15 to 25 years old. The benefits of the bloom segment include:
5 winners in the social allowance monthly draw, with the 1st winner receiving KD 500, the 2nd winner receiving KD 200, and the 3rd to 5th winners receiving KD 100 each.
All-Star Rewards for high achievers, who earn a GPA of 3.5 and above out of 4.0 upon semester completion, with Warba Pocket points equivalent to KD 50.
Free issuance and renewal of a VISA prepaid card with a monthly cashback of 3%.
W segment eligibility criteria and Benefits:
For customers in the W segment, the eligibility criteria is a salary range of KD 500 to KD 1,499 and the benefits of W segment include:
Free issuance of a Platinum Mastercard for the first year.
Free issuance of a Visa Prepaid for the first year.
Instant issuance of an ATM card with a unique design.
An ATM cash withdrawal limit from ATMs of up to KD 2,000 daily.

Al Safwa segment eligibility criteria and Benefits:
For Al Safwa segment, the eligibility criteria for Al Safwa segment are a salary range of KD 1,500 to KD 2,499 OR a deposit range of KD 30,000 to KD 149,999. And the benefits of Al Safwa segment include:
A dedicated Relationship Manager.
An ATM daily cash withdrawal limit of up to KD 3,000.
Free issuance of a World Mastercard credit card for the first year.
Free issuance of a VISA Prepaid Card for the first year.
2 free Warba Concierge services per year.
A special rate on personal finance transactions.
Priority Call Center response.

Al Safwa Plus segment eligibility criteria and Benefits:
For customers in the Al Safwa Plus segment, the eligibility criteria for this segment are a salary range of KD 2500 and above, OR a deposit range of KD 150,000 to KD 349,999. And the benefits of Al Safwa Plus segment include:
A dedicated Relationship Manager.
An ATM daily cash withdrawal limit of up to KD 3,000.
Free issuance of a World Mastercard credit card for the first year.
Free issuance of a VISA Prepaid Card for the first year.
4 free Warba Concierge services per year.
A special rate on personal finance transactions.
Up to 12 months grace period on personal finance.
Priority Call Center response.

AlMassy segment eligibility criteria and Benefits:
For customers in the AlMassy segment, the eligibility criteria for this segment is for customers with a deposit range of KD 350,000 and above. The benefits of AlMassy segment include:
Free main and supplementary World Mastercard or VISA Signature credit card.
A free Cheque book.
ATM daily cash withdrawal limit up to KD 3,000.
Real estate financing facilities.
Free VISA prepaid card.
Preferred rates on investment deposits.
Personal financing up to KD 250,000.
Free Warba Concierge services.
Priority Call Center response.

Current Account:
The current account is a Sharia-compliant account that is available for both individuals and corporations. The benefits of this account include the ability to open the account in KWD or any major foreign currencies (Euro – USD - GBP), chequebook issuance, and a free VISA prepaid card for the first year. The terms of this account include a minimum amount of KD 1,000 to open the account.
Salary Account:
The salary account is an account that is suitable for private and public sector employees. The benefits of this account include an instant issuance of an ATM card with a unique design, up to KD 3,000 cash withdrawal from ATMs, a free VISA prepaid card for the first year, and a free credit card for the first year. The terms of this account include that it is for individuals only, the account currency is KWD only, and a minimum salary amount of KD 500 is required to open the account.
Investment Savings Account:
The investment savings account is a Sharia-compliant account based on the Mudarabah principle. The benefits of this account include quarterly distributed returns, up to KD 2,000 cash withdrawal from ATMs, and the ability to transfer salary to this account. Additionally, a free VISA prepaid card is provided for the first year. The terms of this account include that profits are calculated based on the account's lowest monthly balance and the account currency is KWD only.
Super Savings Account:
The super savings account is based on the Wakala investment principle and provides expected returns of up to 0.75%. The benefits of this account include the funds being invested under the Wakala investment principle, monthly distributed returns, up to KD 2,000 cash withdrawal from ATMs, and the ability to transfer salary to this account. The terms of this account include that it is for individuals only, the account can be opened in KWD or any major foreign currencies (USD – GBP - EURO), and a minimum balance of KD 1,000 is required to open the account.
KD Wakala Fixed Deposit:
The KD Wakala fixed deposit is a Sharia-compliant investment structure that is available for corporations only and is based on the Wakala investment principle. Returns for this investment range from 1 to 60 months. The benefits of this account include being based on the Wakala investment principle, being opened in KWD only, and a minimum limit of KD 3,000 to open the deposit. Returns are earned at maturity from 1 month to 18 months and returns can be earned monthly or yearly as per the customer's choice from 18 months to 60 months. The breakage rule for this account states that if the deposit is cancelled before completing one month, returns are not calculated, but if it is cancelled after completing one month, returns are calculated based on the call account's lowest profit margin.
Sunbula Fixed Deposit in Warba Bank:
Warba Bank offers a product called Sunbula Fixed Deposit, which is designed for individuals only. The deposit provides expected returns and gives customers the opportunity to participate in weekly and mega Sunbula draws. To open the deposit, customers need a minimum amount of KD 5,000, and the tenures range from 1-12, 24, 36, 48, and 60 months.
Sunbula Flexible Deposit in Warba Bank:
Sunbula Flexible Deposit is another product offered by Warba Bank, designed for individuals only. This deposit is based on the Wakala investment principle, has a minimum limit of KD 20,000, and has an investment period of 12 months. Returns are earned on a quarterly basis, and customers have the chance to participate in weekly and quarterly draws for every KD 1,000 in their deposit. Additionally, customers have the ability to withdraw KD 100 or more during the investment period and to deposit KD 100 or more during the investment period. If the deposit is cancelled before completing 12 months, returns are calculated based on the profit margin of the Sunbula Savings Account. If the deposit is cancelled after completing 12 months, returns are calculated based on the premium savings account profit margin.
Foreign Currency (FC) Wakala Fixed Deposit in Warba Bank:
Foreign Currency (FC) Wakala Fixed Deposit is another investment opportunity offered by Warba Bank, designed for both individuals and corporates. This deposit is based on the Wakala investment principle and allows customers to invest in major foreign currencies such as USD, GBP, and Euros. The minimum limit for opening the deposit is Euros 10,000, USD 10,000, or GBP 5,000, and returns are earned at maturity from 1 month to 18 months and monthly or yearly as per customer choice from 18 months to 60 months.
Mastercard and Visa Creditcards:
For information on the benefits of Mastercard creditcards, customers are advised to visit priceless.com. For information on the benefits of Visa creditcards, customers are advised to visit visamiddleeast.com.
Pocket Product:
Pocket is a fully digital loyalty program offered by Warba Bank, based on earning points and redeeming them through Warba Bank’s application services or purchasing select items from partnering merchants.
Earning Points with Pocket:
Customers can earn points with Pocket by:
Paying their mobile bill using Warba Mobile App.
Using their Credit Card and getting Points instead of Cashback.
Inviting friends to Warba using the Mobile App.
Transferring their salary and getting points instead of cash.
Redeeming Points from Pocket
Customers can redeem their points from Pocket in several ways:
Through Warba Bank application services, including buying digital vouchers, topping up their Credit Cards, paying their mobile bills, transferring points to friends, and transferring points to their Al Sunbula Account.
Through the Entertainer, where customers can enjoy exclusive discounts and unique offers from over 700 merchants across Kuwait, Dubai, Saudi Arabia, Qatar, and Oman.
Through purchasing products from Warba Bank's partners.
Note: Pocket points will expire after one year from the calendar month they were earned.
KYC (Know Your Customer):
KYC is a mandatory process in accordance with the Central Bank of Kuwait regulation, which requires banks to obtain information about the identity, personal information, financial transactions of customers periodically. The purpose of this process is to ensure the safety and security of customer information and to provide them with uninterrupted financial services. Warba Bank allows customers to update their KYC information through the bank's application in just a few simple steps.
How to Update KYC Information:
Customers can update their KYC information in 4 steps:
Identity check: Confirm if you are a US citizen, stateless nationality, or politically exposed person.
Personal information: Update your resident address, employment status, source of income and banks you are dealing with.
Transaction Volume: Update your expected transaction volume.
Tax information: Update your residency and tax identification number.
Oasis Club Airmiles:
Oasis Club is a loyalty program offered by Kuwait Airways based on airmiles. With Warba Bank's "Pocket" digital loyalty program, customers can redeem their Pocket points for Kuwait Oasis Club airmiles.
Redeeming Pocket Points for Oasis Club Airmiles:
To redeem Pocket points for Oasis Club Airmiles, customers need to have an active membership account with Oasis Club. They can follow these steps:
Go to the "Pocket" account and select "Exchange Pocket points for Kuwait Airways miles."
Enter the number of points you would like to exchange and agree to the terms and conditions.
Upon successful processing, your air miles will be credited to your Kuwait Oasis Club account.
If you don't have an Oasis Club membership, you can create one by visiting the Oasis Club website. After creating your account, the service should be available within 7 working days on Warba Pocket.
Hassala:
Hassala is a digital savings system offered by Warba Bank that helps customers save for their needs and goals. With Hassala, customers can easily manage their savings and reach their goals faster.
Creating a Hassala:
To create a Hassala, customers can follow these steps:
Start Hassala: From the main page of the Warba Bank app, select "Create a Hassala."
Select Your Goal: Determine the goal you want to save for.
Fund Your Goal: Hassala calculates the expected amount to be saved monthly or weekly from one of your accounts according to the specified period.
Ways to Save in Hassala:
Customers can save in Hassala through several methods, including:
Kharda: Transfer all the remaining funds into your Hassala daily.
Save as you spend: A predefined amount will be matched with every POS transaction you make and will be saved in your Hassala.
Sweep: Transfers any excess amount above the set account threshold to the Smart Savings account.
Automated Transfer: A standing order defined by the user for weekly or monthly transfers.
TopUp: A manual funding transaction initiated by the user at any moment.
Hassala Kids:
Hassala Kids is a unique savings app designed to educate children about the importance of saving in a fun way. With Hassala Kids, children can monitor their savings, track their goals, and view all their transactions. The benefits of Hassala Kids include increased engagement between children and guardians, full control over children's Hassalas by guardians, and a new way to reward children.
Creating a Hassala for Kids:
To create hassala for kids follow the steps: 
1- Through Warba Bank app’s main screen, select create a “Hassala”, then define a name for the Hassala and a goal.
2- Click on “Link Hassala” and enter the kid’s details then create a PIN code for your child.
3- To complete the process, download the “Hassala Kids” app on your child’s device and enter your child’s Civil ID and PIN code.
Postshipper Service:
A mail forwarding company that allows its customers to obtain UK and USA local shipping addresses for international purchases and shipments of items to local addresses in Kuwait. Customers can order, track, and pay for these shipments through the Warba app and receive their items through different couriers at competitive rates.
Personal Finance Management:
An advanced dashboard service that helps clients control their net worth. The main features include My Portfolio, which provides access to the client's assets in a graph showing their net worth, My Cashflow, which displays the inflow and outflow of money, and My Spending and Budget, which tracks spending trends and allows clients to set a budget plan. The service also provides updates on the client's banking experience with Warba Bank, as well as services such as Hassalaty, Payment Due, Request History, and the ability to fully customize the look and feel of the dashboard through the settings.
Entertainer Product:
A digital coupon subscription service that offers Buy One Get One Free and discount offers for restaurants, attractions, activities, sports, fitness venues, and more across Kuwait, Dubai, Qatar, KSA, and Oman. Users can access an annual pass for The Entertainer at a significant discount through Warba Pocket, which is fully integrated and accessible through Warba Bank.
Super Transfer (Service by Mastercard):
An international remittance service offered by Warba Bank that enables its retail customers to transfer funds internationally to predefined beneficiaries in a convenient and easy way. The service offers competitive FX rates, the ability to track transaction status, and ensures that the full amount remitted is received by the beneficiary. The two modes of transfer available are Bank Account transfer and Mobile Wallet transfer.
Mustashar Product:
A digital service from Warba Bank that provides tips and smart solutions to improve the customer's experience when using the bank's application. The service uses artificial intelligence to analyze available data and provide smart banking advice, as well as navigate customers to the required services directly and provide fast assistance.
Express Finance - Cash:
A financial financing product offered by Warba Bank that allows customers to obtain a finance of up to KD 250,000 in the form of Musawama, in return for holding funds as an investment. The guarantee held can be from a Savings account, Premium Saving account, Sunbula account, or Wakala fixed deposit. The product offers financing of up to KD 250,000, does not require a salary transfer, and is compatible with Sharia principles.
Split Bill:
A digital service that allows Warba Bank customers to request payments from anyone with a phone number and an ATM card for a local bank. Customers can go to the services tab in the Warba Bank app, choose the Pay Me service, and then choose between contacts for single or multiple money requests. The service allows customers to request from KD 5 to KD 500 per link, request up to KD 5,000 per month, track payment requests, send requests to 10 people a day, and send 10 links to the same person per day.
Smart Cash:
A digital service provided by Warba Bank that enables customers to transfer a cash amount from their credit card to their account directly and without any fees.
Steps of Smart Cash:
Step are as follow:
1- Log in to Warba service via the application.
2- Select the credit card tab, then the service "Smart Cash".
3- The exact amount for this process will be calculated and displayed. You can adjust the desired amount and then click on "Submit Request".
4- Enter the password, then press "Confirm".
5- Upon successful completion of the application, the calculated amount will be deducted from the card immediately and deposited into customer's salary account.
JAM3EYA digital product:
What is Jam3eya?
Jam3eya is a new and advanced digital solution that transforms one of our social habits. This service provides a simple and organized way of handling group expenses.
Benefits of Jam3eya:
Select the monthly Jam3iya amount
Pick the number of participants
Choose the goal of the Jam3eya
Keep track of the invitations
Track monthly payments
MY BUDGET digital product:
What is My Budget?
My Budget is a service provided by Warba App that enables you to define your monthly expenses. This service helps you keep track of your monthly expenses and make smart financial decisions.
Benefits of My Budget:
Ease of setting a monthly plan
Help keep track of the monthly expenses
Save the monthly plan in the application
Ability to adjust the budget at any time
Notifications in case of exceeding the specified plan
DASHBOARD service:
What is Dashboard?
Warba Bank provides a smart platform that enables customers to track their spending and make smart financial decisions. This platform is known as Dashboard.
Benefits of Dashboard:
Track your monthly expenses
View spent amounts
Calculate your expenses of all types
Follow-up due payments
Follow up financial requests record
Know updates such as installments, payment dates, etc.
SHAKE AND SHARE service:
What is Shake and Share?
Shake and Share is a service provided by Warba Bank that allows customers to report any issue or suggest a new feature in the application. This service provides a convenient and efficient way of communicating with the bank.
Benefits of Shake and Share:
Ease of submitting suggestions.
No need to visit the bank.
Submit wherever you are.
Report your issue immediately.
MY PORTFOLIO product:
What is My Portfolio?
My Portfolio is a list that contains all the details of your accounts, credit cards, investment deposits, and debts. This service provides a comprehensive overview of your financial status.
SOCIAL CIRCLE service:
What is Social Circle?
Social Circle is a service that allows you to create and control all your beneficiaries with ease.
APPLY FOR CREDIT CARD service:
What is Apply for Credit Card?
Apply for Credit Card is a service that enables you to request the credit card that suits your banking needs.
OPEN & MANAGE DEPOSITS service:
What is Open & Manage Deposits?
Open & Manage Deposits is a service that allows you to create and control various types of deposits with ease.
ACTIVATE CARDS service:
What is Activate Cards?
Activate Cards is a service that enables you to activate your cards through the Warba Bank application with ease.
TRANSFER MONEY service:
What is Transfer Money?
Transfer Money is a service that allows you to easily transfer money with Warba Bank app.
SAFE LOGIN service:
What is Safe Login?
Safe Login is a feature that enables you to access the Warba Bank application safely by using face print technology.
PAYMENT SERVICES:
What is the Payment Services?
The payment services offered by Warba Bank allow customers to purchase digital cards through the Warba Bank application.
MOBILE BILLS PAYMENTS:
What is Mobile Bills Payments?
Warba Bank offers a mobile bill payment service that allows customers to pay and schedule phone bills easily and securely.
BRANCH & ATM LOCATIONS:
Where are the Branch & ATM Locations?
All Warba Bank branch locations and ATMs can be found in the Warba App and the Warba Bank website https://www.warbabank.com/english/locate-us 

Branches of Warba Bank:
Warba Bank has 17 branches, 19 branch ATMs, and 58 offsite ATMs in Kuwait.

Branches Locations:
Warba Bank has branches located in several locations in Kuwait, including:
Avenues Mall, Grand Avenues 
Egaila 
Farwaniyah 
Jahra 
Sharq 
Mangaf 
Salmiyah 
Shuhada 
Mubarak Al-Abdullah 
Kaifan 
Kuwait Airport T4.
Hawally 
Adailiya 
Jaber Al-Ahmad 
Jaber Al-Ali 
Abu Fatira 
Fahaheel 

CURRENCY EXCHANGE:
What is Currency Exchange?
Customers can find out the currency exchange rates through the Warba Bank application.
FINANCE CALCULATOR service:
What is Finance Calculator?
The finance calculator provided by Warba Bank allows customers to calculate the required financing value and know the payment details.
PRAYER TIMES service:
What is Prayer Times?
The Warba Bank app allows customers to track prayer times and the direction of the Qiblah.
SALARIES LIST:
What is Salaries List?
The salary disbursement schedule is available through the Warba Bank app.
WESTERN UNION:
What is Western union in Warba Bank?
Warba Bank introduces Western Union, an international send money service that provides customers with the opportunity to send money internationally to selected beneficiaries.
Why send money through Western Union with Warba Bank?
Sending money through Western Union with Warba Bank is quick and easy with competitive FX rates. The service also offers tracking transaction status, instant cash receiving by the beneficiary, multiple payout channels worldwide, a guarantee for the beneficiary to receive the full amount, loyalty programs, transfer discounts, and the ability to send money 24 hours a day, 7 days a week.
How to add a beneficiary in Western Union through Warba Bank application?
To add a beneficiary in Western Union through the Warba Bank app, follow these steps:
Visit the services screen and click on the Transfer/Pay tap.
Click on “Western Union”.
Click on “Beneficiaries” to add a new beneficiary.
How to send money with Western Union through Warba Bank application?
To send money with Western Union through the Warba Bank app, follow these steps:
Click on “Western Union”.
Select “Send Money”.
Select the beneficiary and payment account.
Press calculate to view the exchange rates and fees.
Click on “send Money” to confirm.
How to track your transfer of Western Union or Cancel the Western Union transfer?
To track your transfer of Western Union or cancel the transfer, follow these steps:
1-Click on “Western Union “.
2-Select “History " Tap.
3-View your transaction details/status.
4-To cancel transaction, click on Refund Money.
I Pay Service:
The I Pay service is an instant payment service provided by Warba Bank that allows customers to make fast and safe payments to beneficiaries with local banks using the Knet gateway. The conditions for using the I Pay service are as follows:
Minimum amount: 5 KD
Maximum amount per day: 1000 KD
Maximum amount per month: 5000 KD
Maximum amount per transaction: 500 KD
Payment link validity: 24 hours
Kuwait Clearing Company (Maqasa):
With Warba Bank, customers can keep up with the stock market through the Kuwait Clearing Company (Maqasa) service. The service displays all the available shares in KCC and their last closed market price by Borusa Kuwait. The benefits of using the Kuwait Clearing Company (Maqasa) service are:
Simple integration with KCC
No need to know the trading ID
No need for any further documents from the customer
Shows all shares available in KCC and their last closed market price by Borusa Kuwait
Free of charge service
To subscribe to the Kuwait Clearing Company (Maqasa) service, customers need to follow these steps:
Go to the “KCC Widget” from the dashboard.
Click on “Link Your KCC account”
Read and agree to the terms and conditions.
Enter your password for verification.
Private Housing Finance:
Warba Bank also offers a unique service called Private Housing Finance, which allows customers to benefit from calculating and displaying the discretionary deal for housing finance. To use the Private Housing Finance service, customers need to follow these steps:
Click on the side menu “Other Options” and then click the “Private Housing Finance” icon
Select the finance amount, property type, down payment, and the duration needed
The full financed deal will be shown to the customer and they can continue the financing journey by tapping “Next”
In the income verification step, the customer should fill in all the incomes generated from:
a. Net business profit
b. Real estate incomes
c. Property target to purchase (optionally)
The customer can submit their request by filling in their name and mobile number
A general message will be shown, and one of Warba Bank's agents will contact the customer in a short time.
Salary Transfer Certificate:
Warba Bank allows customers to request a Salary Transfer Certificate either by visiting a branch or through the Wabra mobile application. This service makes it convenient for customers to have their salary transfer certificate available at their fingertips.