context_data/data.csv

Question,Answer
"Specific benefits for Al Massy segment:
What are the specific benefits for Al Massy segment customers?","Al Massy segment customers are entitled to three free concierge services per month, excluding the complimentary concierge services and personal assistance available through the Warba Concierge Call Centre. Any additional services will be charged."
"Al Massy segment customers use their services:
How can Al Massy segment customers use their services?",Al Massy segment customers can contact Warba Concierge Call Centre at phone number 22969966 to request their services. Warba Concierge team will guide them through the process and ensure their needs are met.
"Specific benefits for Al Safwa Plus segment:
What are the specific benefits for Al Safwa Plus segment customers?","Al Safwa Plus segment customers can enjoy four free airport limo services per year, in addition to the complimentary concierge services and personal assistance available through the Warba Concierge Call Centre. Any additional services will be charged."
"Redeem free airport limo services for Al Safwa Plus segment customers:
How can Al Safwa Plus segment customers redeem their free airport limo services?",Al Safwa Plus segment customers can contact Warba Concierge Call Centre at phone number 22969966 to schedule their free airport limo services. Warba Concierge team will coordinate the details and confirm the reservation.
"Specific benefits for Al Safwa segment:
What are the specific benefits for Al Safwa segment customers?","Al Safwa segment customers can enjoy two free airport limo services per year, in addition to the complimentary concierge services and personal assistance available through the Warba Concierge Call Centre. Any additional services will be charged."
"Redeem free airport limo services for Al Safwa segment customers:
How can Al Safwa segment customers redeem their free airport limo services?",Al Safwa segment customers can contact Warba Concierge Call Centre at phone number 22969966 to schedule their free airport limo services. Warba Concierge team will coordinate the details and confirm the reservation.
Warba Bank Definition:,"Warba Bank was established on February 17, 2010, by virtue of an Amiri Decree aiming to boost the economic situation after the crisis witnessed by Kuwait. On April 7, 2010, Warba Bank joined the Islamic Banks Register at the Central Bank of Kuwait. The bank met the aspirations of Kuwaitis and earned their trust. It managed, in a short time, to position itself in the banking sector, As a leader in Islamic Digital Retail Solutions. "
Board of Directors:,"The Board of Directors at Warba Bank is comprised of the following individuals:
Mr. Hamad M. AlSayer (Chairman)
Mr. Bader K. AlShalfan (Vice Chairman)
Mr. Mohammad H. AlShalfan
Mr. Mohamed R. AlMutawa
Mr. Mohammad A. Saleem
Mr. Mubarak N. AlSayer
Mr. Khaldon Sh. AlTabtabaei
Mr. Mohammad A. AlBahar
Mr. Mohammad A. AlRuwayeh
Mrs. May M. AlMudhaf
Mrs. Basma H. AlSanea"
Management Team,"The management team at Warba Bank includes:
Mr. Shaheen H. Al-Ghanem (CEO)
Mr. Anwar Bader Al Ghaith (DCEO)(Deputy Chief Executive Officer Support Services & Treasury)
Mr. Thuwaini AlThuwaini (Chief Investment Baking Officer)
Mr. Hamad F. Al Fouzan (Chief Strategic Planning Officer)
Mr. Ahmed Faisal AlQatami (Chief Retail Baking Officer)
Mr. Abdullah Mahmoud Allanqawi (Chief Treasury Officer)
Mr. Dharar A. Al Dakhil (Chief Risk Officer)
Mr. Hussam Mustafa (Chief Internal Auditor)
Ms. Layali Mostafa Al Fahad (Chief Operations Officer)
Ms. Maali A. AlRasheed (Chief Human Resources & General Services Officer)
Mr. Faisal A. Al Nassar (Chief Corporate Baking Officer)
Mr. Mohamed Sabry Eissa (Chief Financial Officer)
Mr. Wael Elsaid Shawareb (Chief Technology Officer)
Mr. Wael Ahmed Awad (Acting Chief Digital Officer)"
Sharia Board,"The Sharia board at Warba Bank includes:
Dr. Essam K. Al Anazi (Chairman)
Dr. Mohammad Al-Fuzai (Member)
Dr. Ali Ibrahim Al Rashed (Member)"
Warba Bank offers a range of accounts to meet the financial needs of its customers. The following are the types of accounts available at Warba Bank:,"Sunbula Account
Sunbula Kids Account
Current Account
Salary Account
Gold Account
Investment Saving Account
Super Saving Account"
Cards security standards,"In addition, Warba Bank has updated its Credit, Debit, and Prepaid Cards with a new chip that has the latest security standards to provide its customers with the highest level of protection."
Gold Account:,The Gold Account at Warba Bank allows customers to buy and sell the finest gold provided by Swiss and Emirati manufacturers (24 karats with a purity of 999.9). The account can be easily accessed through the Warba Bank application in partnership with Dar Alsabaek Group.
AlSunbula Account:,"The AlSunbula account is an investment savings account based on the Wakala investment principle, with returns distributed quarterly, along with chances to win in the AlSunbula draws on cash prizes held throughout the year. To be eligible for the draws, AlSunbula account holders are required to have a minimum balance of KD100, which can only be withdrawn upon account closure.
For more details, please visit the website: https://www.warbabank.com/english/personal/what-we-offer/accounts/al-sunbula-account"
AlSunbula Account Benefits:,"1- The funds of the account are invested based on Wakala investment principle.
2- Quarterly distributed returns.
3- Instant issuance of ATM card.
4- Up to KD 2,000 cash withdrawal from ATMs.
5- Local & international SMS service.
6- Issuance of credit cards.
7- Access to Warba Bank's advanced Mobile Application.
8- App Store or Google Play.
9- The account can be opened instantly via mobile for existing customers.
10- For Non-Warba customers: you can initiate account opening process via the Warba’s innovative Customer Onboarding.
11- The account and process has been approved by the Sharia committee as the prizes are not deducted from the customer’s account."
Winning Chances for AlSunbula Draw criteria and calculation:,"1- The calculation of the wining chances for AlSunbula account is ""Each customer gets one chance for every KD 10 deposited into the account"".
2- Chances for AlSunbula account are calculated based on the lowest account balance during the month.
3- There is no cap for draw chances, the higher the amount deposited the more chances.
4- Draw chances are calculated on the available account balance.
5- Blocked amounts in Al Sunbula accounts are calculated for the draw chances.
6- Alsunbula account should have minimum of KD 100 balance to be eligable to enter the draw
7- The calculation of the wining chances for AlSunbula Fixed Deposit and Flexible Deposit  is ""Each customer gets one chance for every KD 1000 deposited into the account"".
8- Alsunbula Fixed Deposit and Flexible Deposit should have minimum of KD 1000 balance to be eligable to enter the draw
9- Chances for AlSunbula Fixed Deposit and Flexible Deposit are calculated based on the average monthly balance."
Conditions of AlSunbula account:,"1- Al Sunbula Savings account is exclusive for individuals
2- Account currency is Kuwaiti Dinars only
3- Minimum balance of KD 100 is required for the account and to enter the draws, and this amount can only be withdrawn upon account closure
4- Every KD 10 in the account that have completed 1 full calendar month will earn the customer 1 chance in the weekly draws
5- Mega Draw chances will reflect the minimum balance of the last 2 months prior to the draw
6- Winner of the Mega draw will be excluded from the other Mega draws within the same campaign
7- The weekly draw winners are not entitled to enter any of the weekly draws until the end of three months
8- In order for the customer to enter Al-Sunbula draws, the customer should not close the account until the day of the draw.
you can also view the terms and conditions of AlSunbula account from this link: https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/Sunbula/English/Al%20Sunbula%20Account%20Terms%20(002)%20NEW.pdf"
Required Documents for AlSunbula account:,Civil ID.
Mega Draw:,"The Mega Draw is a quarterly draw held by Warba Bank for AlSunbula account holders. The draw consists of four winners with a prize of KD250,000 for each winner. The draw is held on the Thursday of the second week after each quarter. AlSunbula account holders are required to have a minimum balance of KD100 to be eligible for the draw, and this amount can only be withdrawn upon account closure."
Alsunbula Draws:,"AlSunbula draws consist of weekly draws of 10 winners with a KD1000 prize for each winner held every Thursday of the week and four mega draws with a value of KD250,000 per winner held on Thursday of the second week after each quarter."
AlSunbula Kids Account,"The AlSunbula Kids account is a savings account designed specifically for kids, based on the Wakala investment principle, with competitive returns. Customers 15 years or younger can open an account with a minimum amount of KD10. 
For more details you can visit the website: https://www.warbabank.com/english/personal/what-we-offer/accounts/al-sunbula-kids-account"
AlSunbula Kids draws:,"The AlSunbula Kids draw has seven winners every month with prizes ranging from KD100 to KD1000, and one winner in the mega draw worth KD250,000.
The chances calculation is calculated for each KD 10 in the account it will count for 1 chance."
Housing Finance Deal:,"Warba Bank offers Housing Finance deals for building a future house or renovations, with financing up to KD70,000. The benefits of this deal include free debt insurance, no down payment required, and preferential rates for Al-Safwa customers, along with a six-month grace period. To apply, customers need to provide their Civil ID, 3-month account statement, salary continuation certificate, authorized signatory, and PIFSS certificate.
For eligibility criteria, refer to the main website https://www.warbabank.com/english/personal/what-we-offer/financing/construction-finance "
Car Auto Finance Deal:,"Warba Bank's Auto Finance deals are competitive, and finance up to KD25,000 is available. Salary transfer is not required, and flexible monthly installments start from KD30. Al-Safwa customers receive a special rate, and all customers get a six-month grace period. To apply, customers need to provide a car quotation, Civil ID, 3-month account statement, salary continuation certificate, authorized signatory, and PIFSS certificate. For eligibility criteria, refer to the main website https://www.warbabank.com/english/personal/what-we-offer/financing/auto-finance "
Customer Segments:,"Warba Bank has different customer segments to meet the diverse financial needs of its customers. The following are the customer segments at Warba Bank:
1- AlMassy segment
2- AlSafwa Plus segment
3- AlSafwa segment
4- W segment
5- Normal segment
6- Bloom segment
7- Sunbula Kids segment"
N/A,"Warba Bank is a leading bank in the Islamic Digital Retail Solutions sector. With a variety of products and services, Warba Bank is committed to providing its customers with the best banking experience. One of the services Warba Bank provides is its cashback program. In this document, we will explain the details of the cashback program offered by Warba Bank."
How is Cashback calculated?,"Cashback calculation depends on 3 main factors: 1- Total amount of transactions (internationally + locally) 2- Credit card type (Mastercard World and World Elite credit card/ Prepaid and Visa Signature) 3- The segment type. Segments of Al Safwa, Al Safwa Plus, W and AlMassy customers using Mastercard World and World Elite credit card get a cashback rate of 3% on local and international transactions if the total spent transactions are less than KD 3000. If the local spending + international spends are more than KD 3000, the cashback will be 3% for local and 6% for international transactions. Segment of normal has the lowest cashback rate of 1% irrespective of the amount of the transactions. The maximum amount for ALMASSY, ALSAFWA PLUS and ALSAFWA is equivalent and set at KD 500., while the maximum amount for W is KD 300. The maximum amount for Normal is KD 150. Prepaid card and Visa Signature cashback is only 1% of the total transaction regardless of the segment of the customer and the maximum cashback is capped at KD 150 only for all segments.
 "
Details and definition of Cashback Program and percentages for customer segments in Warba Bank:,"Warba Bank offers a cashback program for Mastercard World and World Elite credit card users. Segments of Al Safwa, Al Safwa Plus, W and AlMassy customers get a cashback rate of 3% on local and international transactions if the total spent transactions are less than KD 3000. If the local spending + international spends are more than KD 3000, the cashback will be 3% for local and 6% for international transactions. 
Segment of normal has the lowest cashback rate of 1% irrespective of the amount of the transactions.
Prepaid cards and Visa Signature cards are eligble for only 1% as cashback regardless of the segment of the customer and the maximum cashback is capped at KD 150 only for all segments. if customer uses prepaid card, cashback calculation cannot be higher than KD 150. 
Check our cashback program on our website https://www.warbabank.com/english/personal/what-we-offer/offers-and-promotions/cashback"
Calculation of Cashback for All customers on Visa Signature cards only:,"if the used card was Visa Signature, the total cashback will be 1% of the total transaction regardless of the segment of the customer and the maximum cashback is capped at KD 150 only for all segments. if customer uses Visa Signature card, cashback calculation cannot be higher than KD 150.
my segment is almassy and my spends are 2000 internationally abroad and 1000 locally in kuwait calculate my cashback? The cashback calculation for Visa Signature cards is 1% irrespective of the total amount of the transactions, so the cashback for your Visa Signature card would be the sum of the international and local spends --> (2000 + 1000) = (3000 * 1%) which is KD 30.
I am alsafwa and I spent kd 20000 for my Visa Signature card, calculate my cashback? The cashback calculation for Visa Signature cards is 1% irrespective of the amount of the transactions, so the cashback for your Visa Signature card would be KD 200 (20000 * 1%). However, the maximum cashback is capped at KD 150, and the total cashback calculation is KD 200 which is greater than the maximum cashback for Visa Signature card of KD 150, So your total cashback would be KD 150 only.
I am w and I spent kd 12000 for my Visa Signature card, calculate my cashback? The cashback calculation for Visa Signature cards is 1% irrespective of the amount of the transactions, so the cashback for your Visa Signature card would be KD 120 (12000 * 1%)."
Calculation of Cashback for All customers on Prepaid cards only:,"if the used card was Prepaid, the total cashback will be 1% of the total transaction regardless of the segment of the customer and the maximum cashback is capped at KD 150 only for all segments. if customer uses prepaid card, cashback calculation cannot be higher than KD 150.
my segment is almassy and my spends are 2000 internationally abroad and 1000 locally in kuwait calculate my cashback? The cashback calculation for prepaid cards is 1% irrespective of the total amount of the transactions, so the cashback for your prepaid card would be the sum of the international and local spends --> (2000 + 1000) = (3000 * 1%) which is KD 30.
I am alsafwa and I spent kd 20000 for my prepaid card, calculate my cashback? The cashback calculation for prepaid cards is 1% irrespective of the amount of the transactions, so the cashback for your prepaid card would be KD 200 (20000 * 1%). However, the maximum cashback is capped at KD 150, and the total cashback calculation is KD 200 which is greater than the maximum cashback for Prepaid card of KD 150, So your total cashback would be KD 150 only.
I am w and I spent kd 12000 for my prepaid card, calculate my cashback? The cashback calculation for prepaid cards is 1% irrespective of the amount of the transactions, so the cashback for your prepaid card would be KD 120 (12000 * 1%)."
Local and international transaction:,"total spent transactions mean the amount of money spent on local and international transactions.
local transactions are any transactions made inside Kuwait only while international transactions are any transactions made outside Kuwait (abroad).
For example countries outside Kuwait are considered as an international transaction."
Calculation of Cashback for Mastercard World and World Elite credit card only:,"The cashback calculation depends on 3 main factors: customer segment, the total amount of the transactions and the card type. For Al Safwa / Al Safwa Plus / Al Massy and W customers, on Mastercard World and World Elite credit, if the total spent transactions are less than KD 3000, the cashback rate is 3%. If the total spent transactions are higher than KD 3000, the cashback rate is 6% for international transactions only. For Normal segment customers, the cashback rate is 1% irrespective of the amount of the total spent transactions."
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Calculation of cashback for W customers on Mastercard World and World Elite credit card only has 3 cases: ","1-	for W customers on Mastercard World and World Elite credit card only,If the total spent transactions are less than KD 3000 with international spends and local spends.
For example, W customer spend transactions are 500 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (international + local) (500 + 1000) = 1500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1500 *3 % = 45) --> giving you a total cashback of KD 45.

1-a)	for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are less than KD 3000 with international spends only.
For example, W customer spend transactions are 500 international and 0 local, the total cashback will be as follow:
Since the total transactions of (international + local) (500 + 0) = 500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (500 * 3% = 15) --> giving you a total cashback of KD 15.

1-b)	for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are less than KD 3000 with local spends only.
For example, W customer spend transactions are 0 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (international + local) (0 + 1000) = 1000 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1000 * 3% = 30) --> giving you a total cashback of KD 30.

2-	for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 300.
For example, W customer spend transactions are 3000 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (local + international) (1000 + 3000) = 4000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000*6% = 180) and 3% on the local transactions (1000*3% =30) --> giving you a total cashback of KD 210.

2-a)	for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 300 with international spends only.
For example, W customer spend transactions are 3000 international and 0 local, the total cashback will be as follow:
Since the total transactions of (international + local) (3000 + 0) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000 * 6% = 180) and 3% on the local transactions (0 * 3% = 0) --> giving you a total cashback of KD 180.

2-b)	for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 300 with local spends only.
For example, W customer spend transactions are 0 international and 3000 local, the total cashback will be as follow:
Since the total transactions of (international + local) (0 + 3000) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (3000 * 3% = 90) --> giving you a total cashback of KD 90.

3-	for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 300.
For example, W customer spend transactions are 25000 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (international + local) (25000 + 1000) = 26000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000 * 6% = 1500) and 3% on the local transactions (1000 * 3% =30) --> giving you a total cashback of KD 1530, but since the total cashback calculation KD 1530 exceeds the maximum amount of cashback W segment, which is KD 300, Warba Bank will only return KD 300, and this will be the total cashback.

3-a)	for W customers on Mastercard World and World Elite credit card only, If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 300 with international spends only.
For example, W customer spend transactions are 25000 international and 0 local, the total cashback will be as follow:
Since the total transactions of (international + local) (25000 + 0) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000 *6 % = 1500) and 3% on the local transactions (0 * 3% = 0) --> giving you a total cashback of KD 1500, but since the total cashback calculation KD 1500 exceeds the maximum amount of cashback W segment, which is KD 300, Warba Bank will only return KD 300, and this will be the total cashback.

3-b)	If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 300 with local spends only.
For example, W customer spend transactions are 0 international and 25000 local, the total cashback will be as follow:
Since the total transactions of (international + local) (0 + 25000) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (25000 * 3% = 750) --> giving you a total cashback of KD 750, but since the total cashback calculation KD 750 exceeds the maximum amount of cashback W segment, which is KD 300, Warba Bank will only return KD 300, and this will be the total cashback.

If the total cashback calculation for a W customer was above KD 300, Warba Bank will only return KD 300 as this is the maximum cashback for W segment."
Calculation of cashback For Al Safwa / Al Safwa Plus and Al Massy customers on Mastercard World and World Elite credit card only has 3 cases: ,"1-	If the total spent transactions are less than KD 3000.
For example, For Al Safwa / Al Safwa Plus and Al Massy, customer spend transactions are 500 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (local + international) (1000 + 500) = 1500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1500 * 3% = 45) --> giving you a total cashback of KD 45.

1-a)	If the total spent transactions are less than KD 3000.
For example, For Al Safwa / Al Safwa Plus and Al Massy, customer spend transactions are 500 international and 0 local, the total cashback will be as follow:
Since the total transactions of (local + international) (0 + 500) = 500 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (500 * 3% = 15) --> giving you a total cashback of KD 15.
1-b)	If the total spent transactions are less than KD 3000.
For example, For Al Safwa / Al Safwa Plus and Al Massy, customer spend transactions are 0 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (local + international) (0 + 1000) = 1000 less than or equal to 3000, then the customer will be awarded 3% of the (international transaction + local transaction), therefore the calculation will be: 3% on the total transactions (1000 * 3% = 30) --> giving you a total cashback of KD 30.

2-	If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 500.
For example, for Al Safwa / Al Safwa Plus and Al Massy, if customer spend transactions are 3000 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (local + international) (1000 + 3000) = 4000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000 * 6% = 180) and 3% on the local transactions (1000 * 3% = 30) --> giving you a total cashback of KD 210.

2-a)	If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 500.
For example, for Al Safwa / Al Safwa Plus and Al Massy, if customer spend transactions are 3000 international and 0 local, the total cashback will be as follow:
Since the total transactions of (local + international) (0 + 3000) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (3000 * 6% = 180) and 3% on the local transactions (0 *3 % = 0) --> giving you a total cashback of KD 180.

2-b)	If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is below KD 500.
For example, for Al Safwa / Al Safwa Plus and Al Massy, if customer spend transactions are 0 international and 3000 local, the total cashback will be as follow:
Since the total transactions of (local + international) (0 + 3000) = 3000 greater than or equal to 3000, then the customer will be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (3000 * 3% = 90) --> giving you a total cashback of KD 90.

If the total cashback calculation for the segments Al Safwa, Al Safwa Plus and Al Massy customer was above KD 500, Warba Bank will only return KD 500 as this is the maximum cashback for these segments.


3-	If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 500.
For example, For Al Safwa, Al Safwa Plus and Al Massy customer spend transactions are 25000 international and 1000 local, the total cashback will be as follow:
Since the total transactions of (local + international) (25000 + 1000) = 26000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000*6% = 1500) and 3% on the local transactions (1000*3% =30) --> giving you a total cashback of KD 1530. But since the total cashback calculation KD 1530 exceeds the maximum amount of cashback for Al Safwa, Al Safwa Plus and Al Massy segments which is KD 500, Warba Bank will only return KD 500 and this will be the total cashback.

3-a)	If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 500.
For example, For Al Safwa, Al Safwa Plus and Al Massy customer spend transactions are 25000 international and 0 local, the total cashback will be as follow:
Since the total transactions of (local + international) (25000 + 0) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (25000 * 6% = 1500) and 3% on the local transactions (0 * 3% = 0) --> giving you a total cashback of KD 1500. But since the total cashback calculation KD 1500 exceeds the maximum amount of cashback for Al Safwa, Al Safwa Plus and Al Massy segments which is KD 500, Warba Bank will only return KD 500 and this will be the total cashback.

3-b)	If the total spent transactions are greater than or equal to KD 3000 and the total cashback calculation is above KD 500.
For example, For Al Safwa, Al Safwa Plus and Al Massy customer spend transactions are 0 international and 25000 local, the total cashback will be as follow:
Since the total transactions of (local + international) (25000 + 0) = 25000 greater than or equal to 3000, then the customer will be awarded be awarded 6% of the international transaction only and 3% of the local transaction, therefore the calculation will be: 6% on the international transactions (0 * 6% = 0) and 3% on the local transactions (25000 * 3% = 750) --> giving you a total cashback of KD 750. But since the total cashback calculation KD 750 exceeds the maximum amount of cashback for Al Safwa, Al Safwa Plus and Al Massy segments which is KD 500, Warba Bank will only return KD 500 and this will be the total cashback."
Examples of cashback calculation:,"my spends are 2999 internationally and 1 kd locally, calculate my cashback if i am w segment?  The total transactions of (local + international) (1 + 2999) = 3000, which is greater than or equal to KD 3000. Therefore, the customer will be awarded 6% of the international transaction (2999*6% = 179.94) and 3% of the local transaction (1*3% = 0.03) --> giving you a total cashback of KD 179.97.
calculate my cashback if i am alsafwa and my spends are 3000 international and 1000 local? The total transactions of (local + international) (1000 + 3000) = 4000 greater than or equal to 3000, so the customer will be awarded 6% of the international transaction (3000*6% = 180) and 3% of the local transaction (1000*3% =30) --> giving you a total cashback of KD 210."
Maximum Cashback:,"The maximum cashback amount varies based on the customer segment. The maximum amount for ALMASSY, ALSAFWA PLUS and ALSAFWA is equivalent and set at KD 500., while the maximum amount for W is KD 300. The maximum amount for Normal is KD 150."
Exceeding the Maximum Cashback:,"If any of the customer segments Al Massy, AlSafwa Plus, AlSafwa, W or normal exceed the maximum cashback amount, Warba Bank will only return the maximum amount. For example, if the Al Massy segment exceeds the maximum amount of KD 500, Warba Bank will only return KD 500. The same applies to the W segment with a maximum amount of KD 300, and the Normal segment with a maximum amount of KD 150."
N/A,"Warba Bank's cashback program provides its customers with an opportunity to earn cashback on their credit card transactions. With different customer segments and different cashback rates, Warba Bank's cashback program is tailored to meet the needs of all its customers. If you have any questions regarding the cashback program, please visit the Warba Bank website https://www.warbabank.com/english/personal/what-we-offer/offers-and-promotions/cashback "
Medical Finance:,"Warba Bank places a strong emphasis on health and wellness, and offers medical financing to its customers. With 0% profit, the bank provides financing for medical expenses up to KD 25,000, with flexible monthly installments starting at KD30. No down payment or salary transfers are required, making it easier for customers to access the financing they need for their medical needs.
For more details please visit the Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/financing/medical-financing"
Warba app Digital Services:,"Warba Bank app is dedicated to providing digital services to its customers, and the warba bank's mobile app is a testament to this commitment. With the Warba app, customers can open a new account in less than 5 minutes, with no need to visit a branch. The app also provides access to the bank's ultimate digital loyalty program, ""Pocket,"" as well as the ability to enter Al Sunbula draws and access a directory of branch services."
Family Account service:,"Warba Bank's family account service is designed to make it easier for parents to manage their children's accounts. With the family account, parents can link their children's accounts to their own and track their transactions online or through the mobile app. This innovative service is designed to meet the needs of families and ensure that their banking needs are met."
IBAN Number:,"Customers can obtain their IBAN number through the Warba Bank app, website, call center, or by visiting a branch. The IBAN number is an important part of a customer's banking information and is used to facilitate international transactions."
Dormant Accounts:,"In the event that a customer's account has been inactive for one year, the account may be dormant. To reactivate the account, the customer must visit a branch and submit an activation request, along with payment of an account activation commission."
Accounts for Charitable Societies and Public Service Associations:,"Warba Bank also offers accounts for charitable societies, public service associations, and student unions. The required documents vary based on the type of organization, but typically include articles of association, a letter from an official body, and original ID cards of authorized individuals. The bank is dedicated to supporting these organizations and ensuring that their banking needs are met."
FATCA Compliance:,"Warba Bank is compliant with the US Foreign Account Tax Compliance Act (FATCA), which is designed to prevent tax evasion by US citizens with accounts and investments outside the US. The bank is committed to following international regulations and ensuring compliance with FATCA."
Maximum Monthly Instalment Amount:,"For customers seeking financing, the maximum monthly installment amount is determined by a customer's net salary or income. For those in service, the total monthly installments should not exceed 40% of the net salary, while for retirees, the total monthly installment should not exceed 30% of the net monthly income."
Documents required for Consumer Financing,"For Consumer Finance, the following documents are required:
Original valid Civil ID
Original recent salary certificate
Salary continuation
Price quotation
Account statement for the last 3 Months (6 months for the private sector)
Passport copy for expatriate customers only."
Branches timings:,Warba Bank has 17 branches in Kuwait with different timings. Please refer to the website to find out more about the branch timings https://www.warbabank.com/english/locate-us 
Credit Cards in Warba Bank:,"Warba Bank offers the following credit card options:
World Elite Dual Chip Mastercard (AlMassy customers only)
World Elite Mastercard
World Mastercard
Platinum Mastercard
VISA Signature
VISA Platinum
VISA Prepaid"
World Elite Dual Chip Mastercard definition:,Warba Bank introduces the first of its kind Dual Chip Card in partnership with Mastercard. This two-in-one unique card brings the functionalities of both debit and credit cards with the highest level of security to distinguish our Al Masi customers and offer more convenience.
World Elite Mastercard definition:,"World Elite the finest offering from Mastercard, with an unmatched array of benefits and rewards handpicked for the elites."
World Mastercard definition:,"Your World in a Card. Mastercard world is the best cash back world as it provides the best cashback rate and other benefits. If you are a travel enthusiast, World Mastercard is designed for you. Discover a world of exclusive privileges and enjoy memorable experiences on each trip with Warba World Mastercard, you will always be ready for your trip."
Platinum Mastercard definition:,"One card for your lifestyle. Enjoy multiple benefits with Platinum Mastercard® designed to suit your lifestyle. It is a Sharia-compliant credit card, without any additional fees, available in both charge and revolving options.
For more details please visit the website: https://www.warbabank.com/english/personal/what-we-offer/credit-cards/platinum-mastercard"
VISA Signature card definition:,"An Exceptional Local and International Experience. Add a touch of luxury to your daily life with VISA Signature, one of Warba Bank credit solutions. Discover new horizons that meets your needs and aspirations and enjoy a unique package of exclusive offers and privileges worldwide. In addition to the special banking experience, this card opens a world of exceptional services and discounts for you in several hotels and stores for a shopping experience that exceeds expectations."
VISA Platinum card definition:,"Comfort, Luxury and Modern Features. The VISA Platinum card gives you facilities and discounts that guarantee a unique banking experience that suits your modern lifestyle. It is a Sharia-compliant credit card, available in charge or revolving options If you are looking for peace of mind and exceptional services, VISA Platinum is a perfect choice while traveling, shopping and entertainment.
For more details you can visit the Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/credit-cards/visa-platinum"
VISA Prepaid card definition:,"A Modern and Safe Alternative Solution to Cash Payment. VISA Prepaid card helps you control your expenses. It is the perfect and modern alternative for cash payment, because it is easy to use, and can be used locally and internationally, and for online shopping. You can top up the card by using easy and fast methods."
World Elite Dual Chip Mastercard benefits:,"1- World Elite Dual Chip card functions of both Debit and Credit cards, providing exclusivity for Private Banking customers (Al Massy).
2- Highly secured card with two EMV chips, each chip has a different Card number, unique PIN and CVV."
World Elite Dual Chip Mastercard Lifestyle Benefits:,"1- A unique European shopping experience with Global Blue VIP services, which include exclusive privileges to facilitate the VAT refund process. Global Blue VIP
2- Enjoy a luxury shopping experience and special discounts from The Bicester Village Shopping Collection in 9 villages around Europe. The Bicester Villages Shopping Collection
-3 Free MyUS Premium membership and shipping discount up to 30%. MyUs
4- Enjoy up to 10% discount on over 700 boutiques and international brands from Farfetch.com. FARFETCH
5- Get up to 20% off grocery or food orders twice a month on the Talabat app. App Store or Google Play Store
6- Sharia compliant credit card with no profit added.
7- Exclusive offers and discounts through Warba Rewards Program
8- Ability to issue a supplementary card for any family member (ages 15+)
9- Free SMS for both Local and International transactions
10- Monthly card E-statement sent to your personal e-mail
11- Free card issuance and renewal when issued against deposit."
World Elite Dual Chip Mastercard Travel Benefits:,"1- MasterCard Concierge services is to ensure an exceptional luxurious travel experience 24/7 by events, trips, transportations, hotels, fine dine in reservations and much more. For more information, please contact the mentioned numbers.
2- MasterCard Concierge provides exclusive 15% discount at Airport services for a smooth journey at more than 470 airports around the world that includes priority check-in & boarding, assistance with customs clearance and assistance to the boarding gate. For more information, please contact the mentioned numbers. MasterCard Concierge Contact: Local: +965 22287885 International: +1-6692108218
3- Unlimited complimentary access for you to over 1100 LoungeKey lounges in more than 450 cities in over 135 countries worldwide. For more information download LoungeKey app or visit Our lounges (loungekey.com).
4- Issue travel insurance letter instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit mcpeaceofmind.com.
5- Travel inconvenience coverage up to USD 7,500 in case of lost baggage or trip delay & cancelation. For more information visit mcpeaceofmind.com.
6- Accident and car damage insurance with coverage up to 50,000 US dollars. For more information visit mcpeaceofmind.com.
7- Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea
8- Enjoy 10% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard
9- Exclusive discounts and promotions from award-winning Soneva luxury resorts through World Elite Concierge.
-10 Immediate upgrade to Discovery Titanium membership in the Global Hotel Alliance program, which includes Kempinski Resorts, Anantara and other luxury resorts.
11- Enjoy 10% discount at over 2,500 OneFineStay luxury hotel apartments. onefinestay.com
12- Complimentary Gold Plus Rewards Five Star membership from Hertz car rental for by passing queues and a free car upgrade. hertz.com/worldelite
13- Complimentary Avis President’s Club membership & enjoy up to 35% off your next car rental with Avis. avisworld.com/mastercardmea
14- Enjoy up to 10% discount with RentalCar.com. Rentalcars.com
15- Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store.
16- Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard"
World Elite Mastercard benefits:,"1- Unlimited access with a companion to over 1,000 lounges.
2- Comprehensive medical travel insurance for the cardholder and family member up to USD 500,000
3- Exclusive World Elite Global Concierge service"
World Elite Mastercard Lifestyle Benefits:,"1- A unique European shopping experience with Global Blue VIP services, which include exclusive privileges to facilitate the VAT refund process. Global Blue VIP
2- Enjoy a luxury shopping experience and special discounts from The Bicester Village Shopping Collection in 9 villages around Europe. The Bicester Villages Shopping Collection
3- Free MyUS Premium membership and shipping discount up to 30%. MyUs
4- Enjoy up to 10% discount on over 700 boutiques and international brands from Farfetch.com. FARFETCH
5- Get up to 20% off grocery or food orders twice a month on the Talabat app. App Store or Google Play Store
6- Sharia compliant credit card with no profit added.
7- Exclusive offers and discounts through Warba Rewards Program
8- Ability to issue a supplementary card for any family member (ages 15+)
9- Free SMS for both Local and International transactions
10- Monthly card E-statement sent to your personal e-mail
11- Free card issuance and renewal when issued against deposit.
Also to avail the card benefits and offers https://www.priceless.com/benefits-mea"
World Elite Mastercard Travel Benefits:,"1- MasterCard Concierge services is to ensure an exceptional luxurious travel experience 24/7 by events, trips, transportations, hotels, fine dine in reservations and much more. For more information, please contact the mentioned numbers.
2- MasterCard Concierge provides exclusive 15% discount at Airport services for a smooth journey at more than 470 airports around the world that includes priority check-in & boarding, assistance with customs clearance and assistance to the boarding gate. For more information, please contact the mentioned numbers. MasterCard Concierge Contact: Local: +965 22287885 International: +1-6692108218
3- Unlimited complimentary access for you to over 1100 LoungeKey lounges in more than 450 cities in over 135 countries worldwide. For more information download LoungeKey app or visit Our lounges (loungekey.com).
4- Issue travel insurance letter instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit mcpeaceofmind.com.
5- Travel inconvenience coverage up to USD 7,500 in case of lost baggage or trip delay & cancelation. For more information visit mcpeaceofmind.com.
6- Accident and car damage insurance with coverage up to 50,000 US dollars. For more information visit mcpeaceofmind.com.
7- Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea
8- Enjoy 10% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard
9- Exclusive discounts and promotions from award-winning Soneva luxury resorts through World Elite Concierge.
10- Immediate upgrade to Discovery Titanium membership in the Global Hotel Alliance program, which includes Kempinski Resorts, Anantara and other luxury resorts.
11- Enjoy 10% discount at over 2,500 OneFineStay luxury hotel apartments. onefinestay.com
12- Complimentary Gold Plus Rewards Five Star membership from Hertz car rental for by passing queues and a free car upgrade. hertz.com/worldelite
13- Complimentary Avis President’s Club membership & enjoy up to 35% off your next car rental with Avis. avisworld.com/mastercardmea
14- Enjoy up to 10% discount with RentalCar.com. Rentalcars.com
15- Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store.
16- Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard"
World Mastercard Benefits:,"1- Access to over 1000 airport lounges worldwide
2- Free travel insurance for spouse and kids
3- up to 10% cashback from Booking.com"
World Mastercard Travel Benefits:,"1- Unlimited complimentary access for you to over 1100 LoungeKey lounges in more than 450 cities in over 135 countries worldwide. For more information download LoungeKey app or visit Our lounges (loungekey.com).
2- Issue travel insurance letter instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit mcpeaceofmind.com.
3- Travel inconvenience coverage up to USD 7,500 in case of lost baggage or trip delay & cancelation. For more information visit mcpeaceofmind.com.
4- Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea
5- Enjoy 10% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard
6- Enjoy 10% discount at over 2,500 OneFineStay luxury hotel apartments. onefinestay.com
7- Complimentary Gold Plus Rewards Five Star membership from Hertz car rental for by passing queues and a free car upgrade. hertz.com/mcworld
8- Complimentary Avis President’s Club membership & enjoy up to 35% off your next car rental with Avis. avisworld.com/mastercardmea
9- Enjoy up to 10% discount with RentalCar.com. Rentalcars.com
10- Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store.
11- Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard"
World Mastercard Lifestyle Benefits:,"1- A unique European shopping experience with Global Blue VIP services, which include exclusive privileges to facilitate the VAT refund process. Global Blue VIP
2- Enjoy a luxury shopping experience and special discounts from The Bicester Village Shopping Collection in 9 villages around Europe. The Bicester Villages Shopping Collection
3- Free MyUS Premium membership and shipping discount up to 30%. MyUs
4- Enjoy up to 10% discount on over 700 boutiques and international brands from Farfetch.com. FARFETCH
5- Get up to 20% off grocery or food orders twice a month on the Talabat app. App Store or Google Play Store
6- Sharia compliant credit card with no profit added.
7- Exclusive offers and discounts through Warba Rewards Program
8- Ability to issue a supplementary card for any family member (ages 15+)
9- Free SMS for both Local and International transactions
10- Monthly card E-statement sent to your personal e-mail
11- Free card issuance and renewal when issued against deposit"
World Mastercard Required Documents:,"1- Civil ID
2- Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis)
3- Salary and salary continuation certificate
4- Authorized signatory and PIFSS certificates (private sector employees)
you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/NewMastercardForm/Mastercard%20Credit%20Card%20Application%20form%20A4%20(003).pdf"
Platinum Mastercard benefits:,"1- Unlimited complimentary access to more than 25 airport lounges internationally.
2- Purchase protection against theft or accidental damage up to USD 5,000
3- Up to 30% discount on international roundtrip airfare from Cleartrip"
Platinum Mastercard Travel Benefits:,"1- Unlimited, complimentary access to over 25 regional and international LoungeKey lounges. For more information download LoungeKey app or visit Our lounges (loungekey.com).
2- Enjoy up to 10% cashback with Booking.com. www.booking.com/mastercardmea
3- Enjoy 30% discount on any international roundtrip airfare from Cleartrip. cleartrip.com/mastercard
4- Enjoy up to 20% discount with Avis car rental. avisworld.com/mastercardmea
5- Enjoy up to 10% discount with RentalCar.com. Rentalcars.com
6- Get 20% off on 3 rides every month with Careem. Download Careem from the App Store or Google Play Store.
7- Easily apply and book visa appointments online through Fulfill Solutions. fulfillsolutions.com/mastercard
8- Sharia compliant credit card with no profit added.
9- Exclusive offers and discounts through Warba Rewards Program
10- Ability to issue a supplementary card for any family member (ages 15+)
11- Free SMS for both Local and International transactions
12- Monthly card E-statement sent to your personal e-mail
13- Free card issuance and renewal when issued against deposit."
Platinum Mastercard Required Documents:,"1- Civil ID
2- Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis)
3- Salary and salary continuation certificate
4- Authorized signatory and PIFSS certificates (private sector employees)
you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/NewMastercardForm/Mastercard%20Credit%20Card%20Application%20form%20A4%20(003).pdf"
Visa Signature Travel Benefits:,"1- The LoungeKey service, which opens the doors to more than 1,000 luxurious airport lounges around the world. For more information download the LoungeKey app or visit http://www.loungekey.com/visainfinitemena
2- Travel insurance instantly for you, your spouse, and your children with coverage up to USD 500,000. For more information visit Visa CEMEA. Home Page (cardholderbenefitsonline.com)
3- Purchase protection service for stolen or damaged purchases.
4- Extend warranty service on purchases up to one year.
5- Save up to 12% discount over 985,000+ hotels & vacation rentals worldwide with Agoda. http://www.agoda.com/visamena
6- VLHC is composed of over 900 intriguing and prestigious properties. www.visaluxuryhotels.com
7- Get 20% discount for 3 rides monthly with Careem. http://careem.me/superapp_visa
8- Special discounts at 200 airport restaurants globally with Dragon Pass through Dine & Fly app. App Store or Google Play
9- 30% off on YQ Meet & Assist services at over 450 destinations globally. https://cemea.yqnowgroup.com/
10- Sharia compliant credit card with no profit added.
11- Exclusive offers and discounts through Warba Rewards Program
12- Ability to issue a supplementary card for any family member (ages 15+)
13- Free SMS for both Local and International transactions
14- Monthly card E-statement sent to your personal e-mail
15- Free card issuance and renewal when issued against deposit."
Visa Signature Required Documents:,"1- Civil ID
2- Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis)
3- Salary and salary continuation certificate
4- Authorized signatory and PIFSS certificates (private sector employees)
you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/NewVisaForm/VISA%20Credit%20Card%20Application%20form%20A4%20(006).pdf"
VISA Platinum Main Benefits:,"1- Complimentary Airport Lounge Access with your Platinum Credit card at 25 lounges globally. www.loungekey.com
2- Purchase protection service for stolen or damaged purchases.
3- Extend warranty service on purchases up to one year.
4- 50% off Vox Cinemas Tickets purchased online or via the app. uae.voxcinemas.com
5- Save up to 12% discount over 985,000+ hotels & vacation rentals worldwide with Agoda. www.agoda.com/visamena
6- VLHC is composed of over 900 intriguing and prestigious properties. www.visaluxuryhotels.com
7- Special discounts at 200 airport restaurants globally with Dragon Pass through Dine & Fly app. App Store or Google Play
8- 30% off on YQ Meet & Assist services at over 450 destinations globally. cemea.yqnowgroup.com
9- Sharia compliant credit card with no profit added.
10- Exclusive offers and discounts through Warba Rewards Program
11- Ability to issue a supplementary card for any family member (ages 15+)
12- Free SMS for both Local and International transactions
13- Monthly card E-statement sent to your personal e-mail
14- Free card issuance and renewal when issued against deposit."
VISA Platinum Required Documents:,"1- Civil ID
2- Account statements for the last 3 months (6 months for private sector employees and non-Kuwaitis)
3- Salary and salary continuation certificate
4- Authorized signatory and PIFSS certificates (private sectors employees)"
VISA Prepaid card Top benefits:,"1- Ability to control expenses
2- Top up the card by transferring via the Warba App, direct deposit or redeeming the “Pocket” program points
3- The ability to retrieve the amount deposited in the card by transfer or cash withdrawal from Warba Bank devices without any added fees
4- Special offers and discounts on selected hotels and entertainment venues
5- Free subscription to My Box to get a local address in the United States, United Kingdom and United Arab Emirates
6- Superior security that enables you to shop online and through POS
7- The ability to change your card pin number through ATMs, phone service 1825555, Warba Bank application App Store or Google Play 
8- Free SMS service locally and globally with no minimum usage
9- Free monthly e-statement receipt service in your e-mail"
Ways to recharge your VISA Prepaid card:,"1- Warba Bank branches
2- Warba Mobile Application
3- Warba Online"
Required Documents to apply for prepaid card:,"1- Civil ID
2- To access the full list of benefits, instructions, and offers for Visa Platinum Download the “VISA Explore” application (iOS or Android) Or visit: VISA Platinum
you can also view the terms and conditions from this link https://warbabank.blob.core.windows.net/files/Library/Assets/Gallery/TermsandConditionsFiles/prepaidcard/english/Prepaid%20Visa%20Card%20Application%20form%20A4.pdf"
To get a credit card or apply for credit card:,"You can apply for any of the Warba Bank credit cards by applying through the Warba Bank website or you can visit the nearest branch to assist.
You can also apply for a credit card using the HR portal under My Requests : https://people.warbabank.com/KayanHR/"
"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:,"1- Log in to your Warba App,
2- Click on the credit card on Warba App that you would like to know the due amount of.
3- 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.
Card Fees and Commissions,"•	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 other 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."
Sunbula Kids segment eligibility criteria and Benefits:,"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 eligibility criteria and Benefits:,"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%.
Please visit the website for more information: https://www.warbabank.com/english/personal/what-we-offer/segments/bloom"
W segment eligibility criteria and Benefits:,"For customers in the W segment, the eligibility criteria for the W segment 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.
The W in W segments stands for Warba."
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.
For more information please visit the Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/segments/al-safwa"
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.
For more information, please visit the Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/segments/al-safwa-plus"
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."
Normal Segment:,"Normal Segment are customers with a salary only between KD 400 and KD 500 and:
- Have a Sunbula account (balance less than 30,000 KD) but haven’t transferred their salary.
- Have a Warba credit card against block but haven’t transferred their salary."
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, Up to KD 2,000 cash withdrawal from ATMs, 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.
For more details please visit the Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/accounts/salary-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.
For more information please visit the website: https://www.warbabank.com/english/personal/what-we-offer/accounts/investment-savings-account"
Super Savings Account:,"The super savings account is based on the Wakala investment principle and provides expected returns reaching up to 0.75% as the bank invests your funds in Sharia-compliant portfolios. 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.
For more information regarding the terms and conditions: https://www.warbabank.com/english/personal/what-we-offer/fixed-deposits/kwd-wakala-deposits"
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.
For more details please visit the website: https://www.warbabank.com/english/personal/what-we-offer/fixed-deposits/sunbula-fd"
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.
For more details please visit the Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/digital-services/sunbula-flexible-deposit"
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.
For more information please visit the website: https://www.warbabank.com/english/personal/what-we-offer/fixed-deposits/fc-deposits"
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:,"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 on Warba App:,"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:
1.	Open Warba Online App
2.	Choose create new Hassala 
3.	Choose a goal for your Hassala
4.	Choose photo for your Hassala
5.	Choose your Hassala amount
6.	Set a date to reach your Hassala goal
7.	Accept Terms and Conditions "
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."
Hassala 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."
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.
For more information please visit Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/digital-services/super-transfer-a-service-by-mastercard"
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.
for more information please visit the website: https://www.warbabank.com/english/personal/what-we-offer/digital-services/express-finance-against-cash"
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."
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"
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"
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."
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."
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:,"Social Circle is a service that allows you to create and control all your beneficiaries with ease.
- You can add Family member by entering his name and Civil ID
- You can view all the Warba, local and International Beneficiaries
- You can view all Super Transfer and Western Union beneficiaries
- You can Create and view all Jam3eya your join with and see all the details "
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.
What is Open & Manage Deposits?,Open & Manage Deposits is a service that allows you to create and control various types of deposits with ease.
What is Activate Cards?,Activate Debit Cards is a service that enables you to activate your cards through the Warba Bank application with ease.
What is Transfer Money?,Transfer Money is a service that allows you to easily transfer money with Warba Bank app.
What is Safe Login?,Safe Login is a feature that enables you to access the Warba Bank application safely by using face print technology.
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:,Warba Bank offers a mobile bill payment service that allows customers to pay and schedule phone bills easily and securely.
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 
or you can can view them on the app by following the steps :
1. Open Warba Online App
2. Swipe right.
3. Choose Branches & ATM’s
4. View the map"
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 "
What is Currency Exchange?,"Customers can find out the currency exchange rates through the Warba Bank application.

Steps :
1- Open Warba Online App
2- swipe right.
3- Choose Currency converter. 
 4- Enter  the amount.
5-Choose from which currency.
6-Choose to which currency.
7-Convert."
What is Finance Calculator?,"The finance calculator provided by Warba Bank allows customers to calculate the required financing value and know the payment details.
Steps :

1- Open Warba Online App
2- Swipe right
3- Choose Financial Calculator.  
4- Choose the Finance type.
5- Choose the Principal amount.
6- Choose the duration.
7- Choose if you have salary or no ."
What is Prayer Times?,"The Warba Bank app allows customers to track prayer times and the direction of the Qiblah.
Steps :
1. Open Warba Online App.
2. Swipe right.
3. Click on Qibla & Prayer Time.
4. View Qibla & Prayer Time."
What is Salaries List?,"The salary disbursement schedule is available through the Warba Bank app.

Steps :
1. Open Warba Online App
2. Swipe right
3. Click on Salaries List
4. View List"
What is Western union service?,"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:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Western Union  
4.	Select Add a new Beneficiary
5.	Add the beneficiary name 
6.	Choose the country you want to send the money to 
7.	Choose the beneficiary nationality 
8.	Add a description for the beneficiary
9.	Confirm it with the OTP that will be send to your phone number  "
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:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Western Union  
4.	Select Send Money
5.	Choose the beneficiary 
6.	Choose which account would you like to send from
7.	Choose the purpose of sending money 
8.	How much you want to send
9.	Accept the terms & conditions 
10.	Confirm the transaction with your Warba App password"
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"
Subscribe to the Kuwait Clearing Company (Maqasa) 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 mobile service:,"Warba Bank also offers a unique mobile 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 mobile service:,"To use the Private Housing Finance mobile 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.
SiDi Definition and conditions:,"SiDi is a digital wallet designed for only non-Kuwaiti individuals with salaries of 400 KD and below only. With SiDi, SiDi customers can enjoy a range of benefits and services that are fast, free, and secure.
SiDi stands for Simply Digital. It is a digital wallet with an IBAN number designed for only non-Kuwaiti individuals only with salaries of 400 KD and below. SiDi customers can access through the SiDi app on your smartphone. SiDi customers can use SiDi to receive their salary, pay their bills, transfer money, and more.
non-Kuwaiti individuals of salary above than KD 400 can not apply for SiDi.
SiDi customer can not apply for credit card or own one. The card type for SiDi customers is a Debit Card only."
"Benefits of SiDi:
What are the benefits of SiDi?","SiDi offers you many benefits, such as:
1- Digital onboarding through the SiDi app, available in 7 languages.
2- Free account opening with no minimum balance.
3- Free debit card issuance, delivery, and activation all through the SiDi app.
4- Hassle-free salary transfer service for SiDi customers to receive salaries securely through a dedicated IBAN
5- Cash withdrawal service on any ATM and cash deposit in Warba bank ATMs
6- International remittance services that allow you to send money home through the SiDi app.
7- Instant money transfer to other SiDi customers who have a SiDi wallet.
8- Free mobile bill payments"
"Becoming a SiDi customer:
How can people become a SiDi customer?","Becoming a SiDi customer is easy and quick. All you need to do is follow these steps:
1. Download the SiDi app from Google play store, Apple store, or Huawei App Gallery
2. Register with SiDi and start the onboarding journey
3. Provide basic information about yourself
4. Upload your Civil ID or Kuwait Mobile ID (make sure it's not expired or near expiry)
5. Record a video selfie
6. Share some details about your employment
7. Digitally sign and your application is complete"
"
Getting SiDi card method:
How can customer get his SiDi card?","Once customer complete his application, he/she will receive the SiDi card along with the SiDi wallet opening forms at their location. customer will need to sign the forms and hand them over to the courier."
"After the customer receives his SiDi card: 
What do customers do when he/she receive the SiDi card?","Before customer can use the SiDi card, customer will need to register a SiDi username and activate your card on the SiDi app. Here's how:
1. Go to the SiDi app and click on ""Register"" and ""Register SiDi application"".
2. Enter your account number, civil ID number, and mobile number.
3. Set three security questions and a security image for signing in.
4. Set a username and password to be used for signing in to the SiDi app."
"After registering a SiDi account:
What do I do after registering a SiDi account?","After registering a SiDi account, customer will need to activate your SiDi card on the SiDi app. Here's how:
1. After signing in to the SiDi app, click on ""Activate Card"" on the home page.
2. Enter your SiDi card 16 digits and select the expiry date.
3. Create a 4-digit PIN code and enter your password to confirm."
"Using SiDi debit card places:
Where can customer use the SiDi debit card?",customer can use the SiDi debit card anywhere in Kuwait and abroad where debit cards are accepted. customer can also use it for online purchases.
"Withdraw cash using the SiDi card:
Where can customer withdraw cash using the SiDi card?",customer can withdraw cash from any ATM that accepts K-Net cards domestically and internationally. customer can also deposit cash using his/her SiDi card in selected Warba bank ATMs.
"SiDi wallet statement
How can customers get the SiDi wallet statement?","customer can get the SiDi wallet statement for free through the SiDi app by following these steps:
1. On the SiDi app home screen, go to ""My Account"".
2. Click on ""Get Statement"" and select the timeframe for the statement."
"Deposit cash using SiDi card:
Can customers deposit cash using the SiDi card?","Yes, customers can deposit cash using their SiDi card in Avenues Mall, Egaila Warba ATM, Hawally Warba Branch ATM. To view all locations that allow cash deposit, click on this link: https://sidiwallet.com/cash-deposit/"
"
Method of deposit money to SiDi wallet:
How to deposit money to SiDi Wallet?","To deposit money to SiDi Wallet account, customer have several options. You can use the Request Money service through the SiDi app and ask someone to send you money using any K-Net card. You can also use the Split Bill feature and request money from your friends or family for shared expenses. Another option is to transfer money from another SiDi Wallet account using the Wallet to Wallet Transfer feature. If you have a Warba Bank account, you can also transfer money from there to your SiDi Wallet account. Finally, you can receive money from any other local bank in Kuwait using your SiDi Wallet IBAN number."
How to transfer money internationally using SiDi Wallet:,"With SiDi Wallet, customer can send money to his/her home country or anywhere in the world using two services: Super Transfer and Western Union. Super Transfer is a fast and secure service that allows you to transfer money to more than 50 countries with a flat fee of 2 KD per transaction. Western Union is a global leader in money transfer that lets you send money to more than 200 countries and territories with fees ranging from 1 to 8 KD depending on the destination. You don't need to visit a branch or fill out any forms to use these services. You can do everything from your SiDi app with a few taps."
Fees and tariffs for SiDi Wallet services:,"SiDi Wallet offers you many benefits and features at low or no cost. For example, you can get a debit card for free when you open an account and renew it for only 5 KD. You can also pay your mobile bills and buy e-vouchers for free using your SiDi app. You can withdraw cash from any Warba ATM for free as well. The only fees you will pay are for international transfers using Super Transfer or Western Union as we explained earlier."
Limits for international transfers using SiDi Wallet:,"SiDi Wallet has some limits for international transfers to ensure your security and compliance with regulations. The minimum amount you can send per transaction is 10 KD and the maximum is 500 KD. The maximum amount you can send in a day is 1,000 KD and in a month is 3,000 KD. These limits apply to both Super Transfer and Western Union services."
SiDi Card usage limits:,"SiDi Wallet gives you a debit card that you can use to pay for goods and services at any point of sale (POS) terminal or to withdraw cash from any ATM. However, there are some limits for using your SiDi card to ensure your security and compliance with regulations. The minimum amount you can spend per transaction at a POS terminal is 50 fils and the maximum is 500 KD. The maximum amount you can spend in a day at a POS terminal is 1,000 KD. The maximum amount you can withdraw per transaction from an ATM is 500 KD and the maximum amount you can withdraw in a day from an ATM is 1,000 KD."
Request Money and Split Bill services limits:,"SiDi Wallet also offers you two convenient features to request money from others: Request Money and Split Bill. Request Money allows you to generate a link that you can share with anyone to ask them to send you money using any K-Net card. Split Bill allows you to request money from your friends or family for shared expenses such as dining out, groceries, or gifts. However, there are some limits for using these services to ensure your security and compliance with regulations. The minimum amount you can request per transaction is 1 KD and the maximum is 150 KD. The maximum amount you can request in a day is 200 KD and in a month is 1,000 KD. The maximum number of links you can generate in a day is 10 and in a month is 20."
Local transfer limits for SiDi Wallet:,"SiDi Wallet also allows you to transfer money locally within Kuwait using two options: Wallet to Wallet Transfer and Incoming Bank Transfer. Wallet to Wallet Transfer lets you send money to another SiDi Wallet account using the recipient's phone number or QR code. Incoming Bank Transfer lets you receive money from any other local bank in Kuwait using your SiDi Wallet IBAN number. However, there are some limits for using these options to ensure your security and compliance with regulations. The maximum amount you can send per day using Wallet to Wallet Transfer is 100 KD and the maximum amount you can send in a month is 500 KD. The maximum amount you can receive per month using Incoming Bank Transfer is 1,000 KD."
Countries available for Super Transfer service:,"SiDi Wallet offers you a fast and secure service to transfer money internationally called Super Transfer. Super Transfer allows you to send money to more than 50 countries with a flat fee of 2 KD per transaction. Some of the countries available for Super Transfer are India, Pakistan, Philippines, Egypt, Jordan, Lebanon, Sri Lanka, Nepal, Bangladesh, Indonesia, Vietnam, Thailand, Malaysia, Singapore, China, Hong Kong, Japan, South Korea, Australia, New Zealand, Canada, USA, UK, France, Germany, Italy, Spain, Netherlands, Belgium, Switzerland, Sweden, Norway, Denmark, Finland, Ireland, Turkey, Morocco, Algeria, Tunisia and more. To view the full list of countries that you can transfer to using Super Transfer service please visit our website at https://sidiwallet.com/super-transfer/"
Difference between SiDi Wallet app and Warba Bank app:,"SiDi Wallet app is a separate application from Warba Bank app. SiDi Wallet app is designed for customers who want a simple and convenient way to manage their money without opening a bank account or visiting a branch. Warba Bank app is designed for customers who want a full range of banking services such as savings accounts, current accounts, credit cards, loans and investments. You can use both apps if you want to enjoy the benefits of both SiDi Wallet and Warba Bank."
Languages available for SiDi Wallet app:,"SiDi Wallet app is available in seven languages to suit your preferences and needs. You can choose from Arabic, English, Hindi, Tagalog (Filipino), Tamil (Indian), Bangla (Bangladeshi) or Urdu (Pakistani). You can change the language of the app anytime from the settings menu.
SiDi Wallet channels and contacts:
Sidi customers can reach Warba Bank for any questions or feedback about SiDi Wallet app or services please feel free to contact us through any of our support channels. You can follow us on Instagram @SiDi_Wallet Facebook @SiDiWallet Twitter @SiDi_Wallet or YouTube SiDi Wallet where we post updates news tips and how-to videos in seven languages."
SiDi customers only Call Back:,"If you are SiDi customer need to talk to one of our customer care agents you can request a call back from the SiDi app. To request a call back follow these steps:
1- Open SiDi app and slide the screen to view more options. Depending on the language you are using you may need to slide left or right.
2- Click on the call back button on the left. It looks like a phone icon with an arrow.
3- Enter your name mobile number and how we can help you with. You can also choose your preferred language from the drop-down menu.
4- Click on submit and wait for our call back team to contact you within 48 hours."
How to report a fraud case incident for SiDi customer:,SiDi Wallet takes your security and privacy very seriously. If you suspect any fraudulent activity on your account or card please report it immediately by calling 1825555 or visiting https://www.warbabank.com/english/report-card-fraud. 
Steps to block your card from the SiDi app for SiDi customers only:,"You can also block your card from the SiDi app if you lose it or it gets stolen. To block your card follow these steps:
1- Open SiDi app and go to the card section.
2- Click on the lock icon on the top right corner of your card image.
3- Confirm that you want to block your card and enter your PIN or biometric authentication.
4- Your card will be blocked and you will receive a confirmation message."
Draws and offers for SiDi account:,"SiDi Wallet rewards you for using its services and features. SiDi account has two monthly draws: SiDi Gold Draw and SiDi Cash Draw. SiDi Gold Draw is a special draw for all new SiDi customers who open an account during the promotional campaign period from January 15th to December 31st 2023. Each month one lucky winner will receive 100 grams of gold. To view more details about the prizes and winners visit https://sidiwallet.com/gold-draw/
SiDi Cash Draw is a regular draw for all SiDi customers who use their accounts for transactions such as deposits transfers payments or purchases. Each month 35 winners will share a total prize of 1000 KD. The prizes are as follows:
- 1st winner wins 200 KD
- 2nd and 3rd winner wins 100 KD
- 4 winners win 50 KD
- 8 winners win 25 KD
- 20 winners win 10 KD
To view more details about the prizes chances of winning and terms and conditions visit https://sidiwallet.com/sidi-draw/"
SiDi Wallet referral program:,"SiDi Wallet also has a referral program that allows you to earn money by inviting your friends and family to join SiDi. If you are a SiDi customer you can refer a friend and earn 0.250 KD for each friend who becomes a new SiDi customer. To view more details about the referral program and how to participate visit https://www.sidiwallet.com/sidi-referral-program/
SiDi Wallet has also partnered with STC to provide each SiDi customer with a bundle + SIM card with each application. The bundle includes unlimited calls within STC network 10 GB internet data and free STC pay wallet with 5 KD balance. To view more details about this offer and how to activate it visit https://www.sidiwallet.com/stc-offer/"
"increasing chances to win the SiDi cash draw:
How can Sidi customers increase chances to win the SiDi cash draw?","SiDi rewards you for using your digital wallet with a monthly cash draw. The more you use SiDi wallet, the more chances you have of winning the draw. Here are some ways to earn chances:
- Wallet-to-wallet transactions earn you 50 chances.
- Pay me link transactions (more than 10KD per link) earn you 100 chances.
- Mobile bill payment earns you 100 chances.
- Voucher payment earns you 100 chances.
- Other bank transfer-in earns you 100 chances.
- Civil ID update earns you 100 chances.
- KYC update earns you 100 chances.
- A minimum balance of 100 KD in the account (for a calendar month) earns you 1,000 chances.
For more information about the cash draw and previous winners, click on this link: https://sidiwallet.com/sidi-draw/"
"SiDi gold draw prizes:
What are the SiDi gold draw prizes?","SiDi also rewards you with a monthly gold draw. SiDi gold draw has two winners each month with one gold bullion bar for each winner. And one mega winner at the end of every quarter winning five gold bullion bars. For example, the January gold draw had two winners with one gold bullion bar for each winner. And the March gold draw had one winner who received five gold bullion bars.
For more information about the gold draw and previous winners, click on this link: https://sidiwallet.com/gold-draw/"
"Warba Bank's gift service:
What is Warba Bank's gift service?",Warba Bank's gift service is a convenient way to purchase gift cards through the Warba Bank app and share them with your family and friends. You can choose from a variety of brands and categories to suit your preferences and budget.
How do I use the gift card service?,"Using the gift card service is easy and simple. Here's how:
1. You can find the gift card service under the services category in the Warba Bank app.
2. Search for the category of the gift you want to purchase, such as fashion, home, jewelry, etc.
3. After selecting the gift card, choose the amount you wish to purchase, from 5 KD to 500 KD.
4. Enter the recipient's name, mobile number, and email address.
5. Confirm your payment and send the gift card."
Where can I find the gift card service?,"You can find the gift card service in Warba Bank mobile app, available on iOS and Android under the services tab in Buy section. You can also access it through Warba Bank's website."
What are the brands available in the gift card service?,"Warba Bank likes to give you the freedom of choice. We have partnered with several brands in different categories, such as fashion & lifestyle, home, jewelry & accessories, entertainment & leisure, health & beauty, and more. Some of the brands include H&M, Zara, IKEA, Starbucks, Carrefour, Xcite, and many others. You can browse through all the available brands in the Warba Bank app or website."
How to buy a gift card:,"To buy a gift card, simply browse through the categories or search for a brand. Tap on the gift card you want to buy and select the amount and quantity. You can also add a personal message if you want. Then, tap on the buy button and confirm your payment details. You will receive a confirmation message and an email with your receipt."
How to receive a gift card:,All gift cards are fulfilled instantly and will be available in the app. You can view the gift card voucher in the My Gift Cards section. Please ensure to open the gift card at the time of redemption to ensure a smooth redemption process.
How to activate a gift card:,Most of the gift cards in the app do not require activation and are ready for redemption. Please check the gift card terms and conditions and follow the simple steps if it requires activation.
How to redeem a gift card:,"Gift card purchases can be redeemed online or/and in-store. Please ensure to check the gift card Terms & Conditions to know more. To redeem online, simply enter the gift card code at checkout or follow the instructions on the voucher. To redeem in-store, show the gift card voucher on your phone or print it out and present it at the cashier."
How to buy more than one gift card:,"Yes, you can buy more than one gift card without any restrictions or limitations. You can either buy multiple gift cards of the same brand or different brands. You can also buy multiple gift cards for yourself or for others."
How to share a gift card:,"Yes, you can share your purchased gift cards with your family and friends. Please ensure to share the gift card voucher to ensure a smooth redemption process. You can share the voucher via email, SMS, WhatsApp, or any other app. You can also print it out and give it as a physical gift."
How to check the validity of a gift card:,Please refer to the expiry date mentioned on the gift card details. You can also check the remaining balance and validity of your gift cards in the My Gift Cards section of the app.
How to refund or cancel a gift card:,"No, Gift cards are non-refundable and cannot be canceled once issued. Please make sure you select the right brand and amount before buying a gift card."
How to exchange a gift card:,"No, once the gift card is issued, you cannot exchange it for another brand. However, you can use your gift card to buy another gift card from the same brand or a different brand."
How to use a gift card more than once:,"Yes, you can use any value from the available amount as long as it is not expired. Please ensure to check the gift card Terms & Conditions for more details. You can use your gift card for multiple transactions until the balance is zero."
How to troubleshoot a problem with a gift card:,"If you have any problem with your gift card, such as not being able to open the voucher, not receiving the confirmation email, or not being able to redeem it, please contact our customer support team at 1825555 and we will assist you as soon as possible."
Exchange Gift Cards for cash:,"Are you wondering if you can exchange your gift card for cash? Unfortunately, this is not possible. According to Warba Bank, all gift cards cannot be exchanged or converted into cash. Furthermore, Warba Bank and the merchants are not liable for any lost, stolen, and misused gift cards."
Warba World The Island:,"Warba Island is phase two of Warba World, a Web Augmented Reality (WebAR) adventure game designed by Warba Bank to engage customers. Available to play on all smartphone devices, with no app download required. 
You can play Warba World by visiting https://arkuwait.com/"
WebAR and WebVR:,"Warba World utilizes WebAR and WebVR technology, which are short-hand terms for Web-based Augmented Reality and Web-based Virtual Reality. This technology utilizes the mobile web browser to deliver immersive content to users."
How to Play Warba World The Island:,"1-	Select single player or multiplayer
A.	Single player:
1.	 Select an Avatar to start playing.
2.	 Allow access to device motion sensors to play Warba Island
3.	 Tap the screen to place Warba Island on the screen.
4.	 A 3D map of a virtual island will be displayed on the screen.
5.	 A pop up will show displaying how to play Warba Island.
6.	 Upon clicking “Start” the timer will begin. 
7.	 Start collecting the boxes before time runs out. 
8.	 Once you finish the game, and collected all the boxes before time runs out, your score will be showing on the screen.
9.	 Follow the instruction, then click on “win a prize” and enter your details (Name, phone number, email) to enter the draws

B.	Multiplayer (up to two players):
1.	 Select an Avatar to start playing.
2.	 Show a QR code to a friend or tap to share the link for the second player to join
3.	 Allow access to device motion sensors to play Warba Island
4.	 Tap the screen to place Warba Island on the screen.
5.	 A 3D map of a virtual island will be displayed on the screen.
6.	 A pop up will show displaying how to play Warba Island.
7.	 Upon clicking “Start” the timer will begin.
8.	 Start collecting the boxes before time runs out. 
9.	 Once you finish the game, and collected all the boxes before time runs out, your score will be showing on the screen.
10.	 Follow the instruction, then click on “win a prize” and enter your details (Name, phone number, email) to enter the draws"
Playing Warba World The Island:,"You can play Warba World multiple times, and there are daily and weekly draws on valuable prizes when playing. "
Privacy of Warba World The Island:,"Yes, you will need to enter your details to enter the draws. "
Eligibility of Warba World The Island:,"Even if you are not a Warba Bank customer or live outside of Kuwait, you can still play Warba World The Island. However, you cannot enter the draw unless you live in Kuwait."
Saving Progress of Warba World The Island:,"Don't worry if your game session is interrupted! Before playing the game, make sure to click on “Save My Progress” so you can resume your session later."
Rowad Definition:,Warba Bank launched an internal innovation program called “Rowad” to cultivate a creativity driven culture. What started as an ideation program has evolved into a full-fledged 7-week innovation boot camp through continuous improvement.
Purpose of Rowad:,The idea is to introduce a unique innovation program in Kuwait that provides an opportunity for participants to work with mentors and solve real-world problems through coming up with innovative solutions in a competitive fashion.
Universities Participating of Rowad:,"In the previous round of Rowad, four teams from four different universities competed, including the American University of Kuwait, Australian University, Gulf University for Science & Technology, and Kuwait University."
Applying to Rowad:,"Once an upcoming round is announced, you will find instructions to apply. However, rules will depend on the targeted participant and program."
Coaching with Rowad:,"With every Rowad program, participants will be mentored by seasoned bankers and industry experts and coached through a leading international consulting firm that will serve as a program facilitator."
Reaching and contacting warba bank call center: ,"Customers can reach Warba Bank by contacting Warba Bank call center contact number: 1825555, International Number: +96522288888. you can also reach Warba Bank through Whatsapp: 51625555"
"Warba Concierge:
What is Warba Concierge?","Warba Concierge offer a wide range of concierge services to cater to our customers' needs, including but not limited to:
•	Concierge Services
•	Personal Assistance
•	Messenger Services
•	Airport Services
•	On the Road Assistance
•	Limo Services
•	Valet Services
•	Shopping Assistance
•	Personalized Approach"
"Warba concierge services access: 
Who can access warba concierge services?","AlSafwa, AlSafwa Plus, and AlMassy can access concierge services and personal assistance for free by calling the Warba Concierge Call Centre at phone number 22969966."
"Warba Concierge call center:
What is Warba Concierge call center? ","Al Safwa, Al Safwa Plus, Al Massy customers can access concierge services and personal assistance for free by calling the Warba Concierge Call Centre at phone number 22969966."
Al Wafi financing:,"Al Wafi financing is an innovative solution in compliance with Sharia principles for all customers wishing to receive financing in Musawama form. The financing reaches up to KD 250,000 against the invested collateral.
Get several benefits as you can obtain immediate finance between KD 5,000 and KD 250,000, also earn the returns associated with your collateral.
For more details you can visit the Warba Bank website: https://www.warbabank.com/english/personal/what-we-offer/financing/al-wafi-financing"
Benefits of Al Wafi financing:,"Financing up to KD 250,000
Flexible payment periods where the customer chooses either the monthly payment or the end-of-term payment
Possibility of unfreezing the collateral throughout the financing period upon settlement"
Conditions of Al Wafi financing:,"Customer shall be a Warba Bank customer
Minimum financing amount of KD 5,000 Maximum financing amount of KD 250,000
Settlement period shall not exceed 60 months"
Collaterals of Al Wafi financing:,"Savings Account, Super Savings Account, AlSunbula Account, AlSunbula Fixed Deposit.
Collateral account shall have a balance of 100% of the financing amount plus profits."
Required Documents for Al Wafi financing:,Civil ID
Withdrawing cash from ATMs outside of Kuwait:,"You can withdraw cash through ATMs using your debit card and also through POS machines.
The fees for withdrawing and paying through POS in the salary and savings account for one transaction are 2.5% with the exchange rate difference, and for credit card withdrawals, the fees will be KD 6 and 2.5% in addition to the exchange rate difference for cash operations only. As for cash operations Points of sale 2.5% in addition to the exchange rate difference.
Before traveling, it is required to submit travel notifications in order to avoid stopping the card by contacting 1825555."
"Send a Pay Me link steps:
How can customers send a Pay Me link?","Customers can send Pay Me link through the Warba App by following the steps below:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Pay Me  
4.	Select if you want to send to individual or split bill
5.	Enter the payer phone number and name 
6.	Choose the amounts 
7.	Which account would you like to receive the money in 
8.	Choose the language for your request 
9.	Enter a Description
10.	Accept Terms & Conditions 
11.	Confirm the transaction with your Warba app password"
Apple Pay service:,"Apple Pay is a mobile contactless payment solution that enables customers to make in-store, in apps, and on the web purchases with select Apple devices. You can use Apple Pay everywhere contactless payments are accepted. For more details please visit the website https://www.warbabank.com/english/personal/what-we-offer/fintech-first-or-digital-enablers/apple-pay
Add Card to Apple Pay:
1- Log in to your account on Warba Bank app and click ""Services""
2- Click ""Learn More"" at the Apple pay box on the top of the screen
3- Select the card you wish to add to your Apple Wallet
4- Click on “Add to Apple Wallet”
5- Select the device you wish to add your card to
6- Make sure the name and card number are correct
7- Read the terms and conditions and click “Agree”
8- Select the number you wish to receive the verification code on and click “Next”
9- Enter the code received via SMS and click “Next”.
10- The card is successfully added, if you wish to make this card your default card please click on “Use as default card”"
Using Apple Pay for Payments:,"For Apple Pay payments, simply double-click the side button, authenticate using Face ID or a passcode, swipe to choose the card, and hold the device near the POS machine. For more details please visit the website: https://www.warbabank.com/english/personal/what-we-offer/fintech-first-or-digital-enablers/apple-pay"
Card Eligible for Apple Pay:,"All Mastercard's debit and credit cards. (Excluding SiDi, Corporate customers, and Multicurrency card)"
Samsung Pay:,"Samsung Pay for fast and contactless payments. All you have to do is add your Warba Mastercard Credit card to your Samsung mobile device and enjoy seamless payments at any POS terminal inside or outside of Kuwait.
For more details please visit the website https://www.warbabank.com/english/personal/what-we-offer/fintech-first-or-digital-enablers/samsung-pay"
Payments using Samsung Pay:,"1- Initiate Samsung Pay by either swiping-up from the home button or opening the Samsung Pay app from the home screen
2- Select the card you want to pay with by swiping left or right
3-Verify with your fingerprint or PIN and direct your phone to either the card reader or NFC reader to complete the transaction"
Samsung Pay Eligibility:,"Customers eligible to use Samsung Pay:
- This service is accessible to all Warba Bank customers with an active Mastercard or Credit Card
- Any customer using a Samsung Pay enabled Samsung Galaxy Mobile Phone or Galaxy Watch device"
Garmin Pay:,"Garmin Pay is a solution designed for people who are always on the move. Whether you grab a cup of coffee after your morning run or get a bite to eat while out on a ride, Garmin Pay lets you make purchases quickly and almost effortlessly with nothing needed but your watch.
For more details please visit the website https://www.warbabank.com/english/personal/what-we-offer/fintech-first-or-digital-enablers/garmin-pay"
Payments using Garmin Pay:,"1- Press and hold the light key to bring up the control’s menu.
2- Select the wallet icon.
3- Enter your 4 digits passcode if prompted (you will be required to enter your passcode every 24 hours or each time you remove the Garmin device from your wrist and wear it again)
4- Choose the card you want to pay with by scrolling up or down on the watch screen.
5- To pay, hold your wrist near the contactless terminal in the store.
6- When the payment succeeds, a green tick mark will appear on the screen"
Garmin Pay Eligibility:,"This service is accessible to all Warba Bank customers with an active Mastercard credit card
Who have a Garmin watch enabled for payment services"
Google Wallet:,"Google Wallet is a digital wallet service that allows you to make fast payments securely in-store, in-app and eCommerce using your cards. For more details please visit the website page: https://www.warbabank.com/english/personal/what-we-offer/fintech-first-or-digital-enablers/google-wallet"
Google Wallet Usage:,"1- Download Google Wallet™ from Google Play store
2- Open the Google Wallet™ and Tap ‘Add to Wallet’ and follow the instructions
3- Take a picture of your card or enter the card details
4- Accept the Terms & Conditions
5- Complete the Verifications process
6- Card has been added to Google Wallet™"
Google Wallet Eligibility:,All Warba Bank Mastercard Credit Card holders using near field communication (NFC) enabled Android Lollipop 5.0 abd above devices can use Google Wallet.
Fitbit Pay:,"Fitbit Pay is a contactless payment solution that lets you make payments on the go directly from your wrist with select Fitbit smartwatches and trackers, adding convenience to your life and freedom to leave your smartphone and wallet at home.  For more details please visit the website: https://www.warbabank.com/english/personal/what-we-offer/fintech-first-or-digital-enablers/fitbit-pay"
"
Fitbit Pay Eligibility:","Supported Fitbit smartwatches and trackers are:
Fitbit Sense
Fitbit Versa 3
Fitbit Versa 2
Fitbit Charge 4
Fitbit Ionic
Fitbit Versa
Fitbit Charge 3 Special Edition"
Fitbit Pay Payments:,"You can pay with Fitbit Pay by following hte following steps:
- Unlock the device by pressing the side button on the Fitbit smartwatches and trackers to bring up the lock screen and enter the 4 digit pin to unlock.
- Select the card & select preferred pre-configured card. You can set the default card in the Fitbit App.
- Tap your Fitbit device on any NFC enabled POS Machine to make a payment.
- You will receive a transaction confirmation on the Fitbit smartwatches and trackers and a push notification on Fitbit App.
- Track recent Fitbit Pay purchases and manage cards in the Fitbit App."
Social media Accounts in Warba Bank:,"You can reach warba bank in social media through two channels Instagram and Twitter: 
- Warba Bank Instagram account is: https://www.instagram.com/warba_bank/
- Warba Bank Twitter account is: https://twitter.com/warbabank"
what is warba bank Twitter account?,Warba Bank Twitter account is: https://twitter.com/warbabank
"
what is warba bank Instagram account?",Warba Bank Instagram account is: https://www.instagram.com/warba_bank/
How many deposit ATMs are there for Warba Bank?,There are 20 Deposit ATMs located around Kuwait
Where are the deposit ATMs located?,"There are 20 Deposit ATMs located around Kuwait: 
Shuhada Deposit ATM
Hawally Deposit ATM
Mangaf Deposit ATM
Fahaheel Deposit ATM
Avenues Deposit ATM
Jahra Deposit ATM
Salmiya Deposit ATM
Farwaniya Deposit ATM
West Mishref Deposit ATM
Egaila Deposit ATM  
Airport T4 - ATM 1
Airport T4 - ATM 2
Jahra Deposit ATM
Kaifan Deposit ATM
Arraya Deposit ATM
Adailiya Branch Deposit ATM
Jaber Al Ali Deposit ATM
Jaber Al Ahmad Deposit ATM
Abu Fatira Deposit ATM
Al Adan Deposit ATM"
What is bloom draw?,"Bloom customers will be eligible to participate in the monthly draw where 5 winners will be announced and 1st winner will win KD 500, 2nd winner will win KD 200, and 3rd to 5th winner will win KD 100 each in a form of Pocket points. "
What are the bloom monthly draw prizes?,"Bloom Monthly draw prizes (Every Wednesday):
- 1st Prize is KD 500
- 2nd Prize is KD 200
- 3rd Prize is KD 100
- 4th Prize is KD 100
- 5th Prize is KD 100
Total Amount for monthly prize is KD 1,000 "
How many student allowance hits are required prior to participating the monthly allowance draw for Bloom?,at least one student allowance should be credited in the account to participate in the draws
Can winners of the bloom monthly draw win again?,Bloom customers will be eligible to win once a year to give a chance for all 
How can I increase my chances in the bloom monthly draw?,All students who have transferred their student allowance to Warba Bank will have an equal chance of winning
When will the bloom monthly draw take place?,"Draws take place every first Wednesday of the month at 11:00 AM in presence of the representative of MOCI (Ministry of Commerce and Industry), however, if the day coincides with a national holiday, the draw will be rescheduled accordingly in coordination with MOCI"
How can you calculate pocket points,"The conversion rate is 1 to 1 ratio, for example if the customer have 100 pocket points, it could be exchanged for 100 Kuwait Airways miles,
if the customer have 1000 Pocket points, it could be exchanged for 1000 Kuwait Airways miles, etc."
Gold Account Details:,"Who can open a gold account?
Any Warba Bank registered customer who is 21 years old and above.

How can I open a gold account?
1.	Open Warba Online App
2.	Choose open Gold account from the services tab
3.	Accept Terms & Conditions 
4.	Confirm the transaction with your Warba app password

Can I open a gold account without buying gold?
Yes, the account can be opened without buying gold. This will give the user access to view the gold bars available for sale.

Are there any fees for opening a gold account?
No, the account is opened free of charge.

How can I view gold account terms and condition?
Gold account terms and condition are stated clearly in both Arabic & English before account opening.

What happens if I keep my gold account open for 180 consecutive days with 0 balance?
The account will be closed after 180 consecutive days of inactivity and 0 balance. 

What is the information shown in the account details?
The user can view account details in ‘Details’ button, [Account name, Account Type and Date opened] including total Gold and Approx. Selling value

What other details can be viewed in main Gold Account page? 
The user can view Account statement, Order history and more information about Gold Account"
What are the terms and conditons in opening a gold account?,"Terms & Conditions
Available for all current Warba Bank customers 21 years old and above.
Only available in KWD
Each customer will be eligible to open only one Gold Account 24k
All activities are based on “spot,” instant buying and selling transactions.
Gold delivered to the customer cannot be deposited into the account.
The maximum Gold that can be held in the account is 5 KG.
Gold Accounts with zero balance will be automatically closed after 180 days of inactivity."
Gold Type:,"The gold bars offered are either Swiss (PAMP or Valcambi) or Emirati (Etihad) both are 24 Karat with 999.9 purity
All bars are certified and guaranteed by the Ministry of Commerce.
Gold bars available range from 1 to 1,000 Grams.
Only full gold bars with serial number are sold (no partial weight selling).

Gold Denominations available for the Swiss, the bars start from 1g. For the Emirati it starts from 250g
We only offer gold bars that are available with an official serial number. Based on demand such bars might be not listed in the selection menu due to unavailability of required item. 
The gold denominations re-stocking happens twice a week. You can always revisit the gold account menu later to view whenever the required denomination is restocked."
Buying Gold:,"How do I buy gold?
Go to the main menu in gold account, click on “Buy Gold” which will give you the choices from the selection of Gold Bars available (Swiss or Emirati) you can follow the following steps:
1.	Open Warba Online App
2.	Choose your Gold account  
3.	Choose buy Gold
4.	Select Gold bars 
5.	Choose review order
6.	Choose continue to pay 
7.	Choose which account would you like to buy from
8.	Confirm the transaction with your Warba app password

What is the minimum amount of gold that I can buy?
For the Swiss, the bars start from 1g. For the Emirati it starts from 250g.

What is the maximum amount of Gold that I can buy?
You can purchase up to 5 Kg.

When do I get the serial numbers for the gold?
you can get the gold serial number whenever the order is accepted and completed.

What are the Warba Bank Fees for the gold?
Warba Bank fees for the gold Is 0.200 KD per 1 gram of gold. And the fees are applied when the customer buy and sell gold.

Why is the gold bar price being higher than the calculation (Gold weight X Gold Buy Price)?
The prices include Warba Bank fees and gold making charges.

Why is the gold price different on the review page?
The actual price will be showing in review page, which refreshed every 15 seconds.
However, the previous steps were estimated price only.

How long will the price of gold be kept for completing the transaction?
3 minutes from starting the buying order process.

Can I review the buying order before purchasing?
Yes, you can review the final price before purchasing attempt refreshed every 15 seconds according to Gold global market pricing.

What happens if the time runs out before completing the password screen?
The price will be recalculated according to the update buying gold rates"
Gold Storage:,"Where will the gold be stored?
The gold will be stored, insured and under Dar Alsabaek premise located in Kuwait City – Baitik tower 1st floor in special vault dedicated for Warba bank customers.

What are the security measures of the special vault?
All security measures are in place as it insured fully by Kuwait Insurance Company.

Can a customer go directly to Dar Al Sabaek to pick up the gold?
No, the delivery option can be only requested through Warba application.

Are there any storage fees?
There are no storage fees, however administrative fees are 10KD/annually is applicable starting from the second year of account activation
"
Selling Gold:,"How do I sell gold?
In Gold account main menu, you can click on “Sell gold” option. The user then will select the gold bar to be sold.
you can follow the following steps:
1.	Open Warba Online App
2.	Choose your Gold account  
3.	Choose Sell Gold
4.	Select Gold bars 
5.	Choose review order
6.	Choose continue to pay 
7.	Choose which account would you like to receive money into 
8.	Confirm the transaction with your Warba app password

Can I choose which serial numbers to sell?
Yes, you can choose one of the serials available on your gold account.

Who is responsible for selling the gold?
In partnership with Dar Alsabaek, they will be responsible for fulfilling the selling order
according to selling price shown in the Warba Bank Application and based on Gold Global
market prices. 

Why are some of my gold bars cannot be sold?
The gold can be sold after 12 hours from purchasing, not before that.

Why is the gold bar selling price is higher than the calculation (Gold weight X Gold Buy Price)?
Yes, you can choose which account to be credited for selling your gold bars before selling
order completion.

Can I review the selling order? 
Yes, you can review the final selling price before selling step refreshed every 15 seconds
according to Gold global market pricing. A password verification step is required before
selling order. "
Gold Delivery:,"When can I place a delivery request?
After 12 hours from gold purchasing by clicking “Deliver Gold” in gold account home screen.
you can follow the following steps:
1.	Open Warba Online App
2.	Choose your Gold account  
3.	Choose deliver Gold
4.	Select order to deliver
5.	Choose review order
6.	Choose continue to deliver details 
7.	Choose yes remove the order 
8.	Update your deliver address 
9.	Choose which account you want to pay delivery fees from
10.	Confirm the transaction with your Warba app password

Can I deliver only 1 bar only?
Yes, the customer can choose which gold bar is to be delivered defined by unique serial
number.

How do I check delivery status?
Delivery status tag will be updated accordingly on the delivered item.

Which contact number will be used for the delivery requests?
The trusted gold delivery service will be in contact with you on your defined contact number

Is the delivery secured?
The gold delivery is managed and controlled by one of the most known Courier company’s specialized in Gold
and valuable goods delivery agency ‘Alraed Security’.

How much is delivery charges?
6KD is the delivery charges per delivery order.

Why am I charged for “failed” deliveries?
According to Dar Al Sabaek and Alraed Security terms and conditions, delivery charges are
not refunded even when the customer failed to receive them.

Can I specify my address details for delivery?
Before submitting ‘gold delivery’, you should fill your address details according to your
location.

How long will take to deliver my gold bar?
Delivery will take place within 48 hours from initiating successful delivery request.

Who will be contacting me on delivery? 
The trusted delivery personnel from ‘Alraed Seurity” will contact you to deliver your gold
based on your prefer time/date and your availability.

What are the prerequisites to receive the gold bar upon delivery?
You should receive it in person by presenting your valid Civil ID."
Gold Order History:,"What is the information stored for each gold bar?
Gold type, Serial Number, Gold quantity, Buy/sell prices.
you can follow the steps below:
1- Open Warba Online App
2- Choose your Gold account  
3- Choose orders history

What is the information shown under the Purchased Tab?
Gold type, Serial Number, Gold quantity, purchase prices.

What is the information shown under the Sold Tab?
Gold type, Serial Number, Gold quantity, Sold price.

What is the information shown under the Deliveries Tab?
Gold type, Serial Number, Gold quantity, purchased prices, Delivery status.

"
Gold Account Statement:,"What details in can review in account statement?
Gold type, Order ID number, gold weight, Quantity filtered by Buy/Sell/Delivery orders.
you can follow the steps below:
1.Open Warba Online App
2.Choose your Gold account  
3.Choose get statement 
4.Select period 
5.Choose view

What is the information shown under the account statement in Warba Bank application?
Full account statement that details your transactions - by filter by period,
buying/selling/delivery transactions. 

Can I review my gold account statement in Arabic?
Your account statement is available in both Arabic and English depends on your preferred
selected language in Warba Bank application

How can I have physical account statement (On paper)?
You can request gold account statement by visiting one of Warba bank branches."
Schedule Mobile Payments:,"Schedule Mobile payment  : This service allow you to pay your mobile number every month with selected data  
Steps:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose mobile payment  
4.	Select schedule payment 
5.	Choose create new schedule 
6.	Choose one of your predefine mobiles  
7.	Enter the amount
8.	Choose the account you want to pay from
9.	choose pay on day 
10.	Confirm the transaction with your Warba app password "
Sustainability report for 2022,"Warba Bank issued its first sustainability report for the year 2022 on environmental, social and governance (ESG) practices, which provides an accurate account of the focused and wide-ranging efforts of the Bank's practices related to environment, social and governance throughout 2022. You can read the full report by clicking the following link:
https://ir.directfn.com/filecontent//58E020FB-D307-4604-A502-9E756CA3ED6C.pdf"
Consumer Financing and Benefits:,"You can now own a car, boat, furniture, electronics and others. In compliance with Sharia principles consumer finance, achieving your goals has become easier than ever. Simply specify your needs and we will finance you to buy them with the best competitive profit rates in the market. 
Benefits:
Financing up to KD 25,000
Flexible monthly instalments starting KD 30
Salary transfer is not required
No down payment required
Up to 6 months grace period
For more details you can visit the website: https://www.warbabank.com/english/personal/what-we-offer/financing/consumer-finance"
Consumer Financing conditions:,"Consumer Financing Conditions:
Customer shall be 18 years or above
If the customer is below 21 years old, his guardian shall sign on his behalf
Customer salary shall not be less than KD 300
Monthly instalments for employees shall not exceed 40% of the net salary including all commitments (and 30% for retired customers)
Minimum financing of KD 1,000 and a maximum of KD 25,000
Shortest payment period of 6 months up to 60 months"
Super Savings Expected Returns:,"Account Balance	Expected Rate
From	To
-	Less than KD 1,000	0.125%
KD 1,000	KD 9,999	0.25%
KD 10,000	KD 29,999	0.50%
KD 30,000	Above	0.75%"
AlSunbula Kids Account Eligibility,"AlSunbula Kids Eligibility:
Exclusively for customers less than 15 years old.
Minimum account opening balance KD 10"
AlSunbula Kids Account Benefits,"AlSunbula Kids Benefits:
Competitive expected returns distributed quarterly.
Instant issuance of debit card.
Account can be linked via Family account service for easy management.
Easily schedule and automate deposits to your kid’s account.
The account and process has been approved by the Sharia committee as the prizes are not deducted from the customer’s account."
AlSunbula Kids Account Conditions,"Conditions:
Al-Sunbula Kids Savings account is exclusive for individuals.
Account currency is Kuwaiti Dinars only.
The amount must remain in the account one full calendar month in order to participate in the monthly draws.
The amount must remain in the account two full calendar months in order to participate in Al-Sunbula Mega draw.
Winners of the monthly draw will be excluded for 3 months.
Winner of the Mega draw will be excluded from the other Mega draws within the campaign."
AlSunbula Kids Account required documents,Civil ID
Create Mobile Account:,"Create Mobile Account Steps:
1- Select Open Al Sunbula Account for non Warba customers or Register Online Banking for existing customers.
2- Accept the terms and conditions.
3- Enter account number.
4- Enter Civil ID number.
5- Enter Mobile number.
6- Enter the code you see 
7- Setup up your 3 security question 
8- Select a security image & enter a caption for your image 
9- Create a password  "
Pay Me Link Limits:,"Pay Me Link Limits:
Minimum top-up amount per transaction is KD 5
Maximum top-up amount per transaction is KD 3000
Maximum accumulative top-up amount per day is KD 3000
Maximum accumulative top-up amount per month is KD 15000
Maximum number of pay me links in one day is 10 links
Maximum number of pay me links in one month is 50 links"
Online Transfer Limits:,"Online Transfer Limits:
Online bank transfer limits between Warba Customers:
Minimum transfer amount is KD 1
Maximum transfer amount is KD 10000

Local bank transfer limits are:
Minimum transfer amount is KD 10
Maximum transfer amount is KD 10000

International transfer limits are:
Minimum transfer amount is or equivalent of KD 50
Maximum transfer amount is or equivalent of KD 10000"
Super Transfer Limits:,"Super Transfer limits are:
Maximum accumulative transfer amount per day is KD 2500
Maximum accumulative transfer amount per month is KD 37500"
Western Union Limits:,"Western Union Transfer limits are:
Maximum number of transactions in one day is 3 transactions.
Maximum number of pay me transactions in one month is 7 transactions.
Minimum transfer amount per transaction is KD 10
Maximum transfer amount per transaction is KD 2000
Maximum accumulative transfer amounts per day KD 3000"
Super Transfer Steps:,"Steps:
1- Open Warba Online App
2- Choose the account you want to transfer from
3- Choose Super Transfer 
4- Select the Beneficiary
5- Choose the amount
6- Choose the purpose of the transfer
7- Accept terms & Conditions
8- Confirm the transaction with your Warba app password"
Online Transfer Steps:,"Steps:
1.	Open Warba Online App
2.	Choose the account you want to transfer from
3.	Choose Transfer 
4.	Select the Beneficiary
5.	Choose the amount
6.	Choose the purpose of the transfer
7.	Accept terms & conditions
8.	Confirm the transaction with your Warba app password"
How to activate debit cards?,"Steps to activate debit cards:
1.	Open Warba Online App
2.	Choose the Account you want to activate his card 
3.	Choose Activate Debit Card 
4.	Enter Your Debit Card details 
5.	Create a new PIN code
6.	Confirm the transaction with your Warba app password"
Pay Card:,"Steps:
1.	Open Warba Online App
2.	Choose the card you want to pay 
3.	Choose pay card
4.	Choose the account you want to pay from
5.	Choose the amount outstanding balance or another amount)
6.	Confirm the transaction with your Warba app password"
Report lost/stolen card:,"Report lost/stolen card : This service allow you to stop your cards temporary or permanently 

Steps:
1- Open Warba Online App
2- Choose the card you want to report 
3- Choose report lost/stolen
4- Choose the reason to stop the card
5- Choose if you want replace card
6- Review and confirm 
7- Confirm the transaction with your Warba app password"
Reset PIN:,"Reset PIN : This service allows you to change your cards PIN

Steps:
1.	Open Warba Online App
2.	Choose the card you want to reset pin  
3.	Enter the card digits 
4.	Enter the new pin and confirm it 
5.	Enter the 5-digit OTP send to your phone number 
6.	Confirm the transaction with your Warba app password"
Request Supplementary Card:,"Request Supplementary Card : 
Steps:
1.	Open Warba Online App
2.	Choose the card you want to Request Supplementary Card for
3.	Choose Request Supplementary Card 
4.	Choose the card type and apply
5.	Choose the account you want the card to be link to 
6.	Enter the name for the supplementary cardholder and how much you like to share in percentage 
7.	Enter Email address and any comment 
8.	Confirm the transaction with your Warba app password"
Top-up Hassala:,"Top up : This service allow you to top up your Hassala from your account 
Steps:
1.	Open Warba Online App
2.	Choose the Hassala you want to Top Up 
3.	Choose the account you like to Top Up from
4.	Choose the amount 
5.	Select a description"
Manage Hassala:,"Manage : This service allow you to change your Hassala information 
Steps: 
1.	Open Warba Online App
2.	Choose the Hassala you want to manage
3.	You can change the name of your Hassala and photo 
4.	Choose Funding methods for your Hassala "
Withdraw from Hassala:,"Withdraw : this service allow you to transfer money from your hassala to your account  
Steps:
1.	Open Warba Online App
2.	Choose the Hassala you want to withdraw from
3.	Choose Withdraw 
4.	Choose the reason for withdrawing 
5.	Choose the account you want to transfer to 
6.	Choose the amount 
7.	Add a description"
Break Hassala:,"Break Hassala : This service allow you to break your Hassala and transfer all the amount to your account you choose 
Steps :
1.	Open Warba Online App
2.	Choose the Hassala you want to break
3.	Choose break Hassala 
4.	Choose the account you want to transfer to 
5.	Add a description "
My Term Deposit:,"My Term Deposit is a service on Warba App allows you to open new flexible or fixed deposits:
To Open new Deposit you can follow the steps below:
1.	Open Warba Online App
2.	Choose open new 
3.	Choose Fixed or Flexible Deposit 
4.	Accept Terms & Conditions 
5.	Choose the deposit account 
6.	Choose the duration for the deposit 
7.	Choose your profit method
8.	Choose the account for deposit profit 
9.	Choose if you want it auto renewal or not 
10.	Enter the amount 
11.	Get your expect profit rate
12.	Confirm the transaction with your Warba app password"
My Financing:,My Financing is a service on Warba App that allows you to open for Cash Backed Finance
Services Page:,"The  services page allows the customer to choose all the service in the Warba App:
Favorite Services: Allows you to choose your favorite services that will be on the top of the page for you to use it faster.

you can find the following services on the services page:
1.Transfer & Pay: In this page you can see all the transfers services like:
-Transfer money 
-Super Transfer 
-Western Union
-Pay Me 
-Mobile Payment
-Top Up Cards 
-Tabaruat
-Standing Orders 

2.Buy : This service allow you to buy an online vouchers like apple gift cards, google play cards, PlayStation cards, and more.

3.Partners: This tab allows you to check all Warba Partners offers for Warba Customers:
-Super Transfer (MasterCard Send)
-Western Union
-Warba Auto 
-Oasis Club
-Postshipper

4.Request: This tab allows to request of the following warba services:
-Warba Concierge 
-Clearance Certificate 
-Travel Note
-Clearing Company "
Transfer Service:,"Transfer : This service allows you to transfer money between your own accounts, Warba Transfers, Local transfers or Intranational Transfers
Steps :
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Transfer 
4.	Select the Beneficiary
5.	Choose the amount
6.	Choose the purpose of the transfer
7.	Accept terms & conditions
8.	Confirm the transaction with your Warba App password"
One-time mobile payment :,"One-time mobile payment  : This service allows you to pay your mobile bill and save your all mobile numbers you have 
Steps:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Mobile Payment  
4.	Select one time payment 
5.	Choose the telecom company 
6.	Choose the service 
7.	Enter the mobile number 
8.	Choose the account number you want to pay with
9.	Enter a description
10.	Confirm the transaction with your Warba app password "
Sunbula Profit Rate:,Sunbula Profit Rate is 0.01%
Top-up cards:,"Top up cards  : This service allow you to Top Up your Credit Card from your account 
Steps:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Top Up cards  
4.	Select the card you want to top up
5.	Choose the account you like to pay from
6.	Choose the amount
7.	Confirm the transaction with your Warba app password"
Tabaruat:,"Tabaruat : This service allow you to send money to the charity you choose   
Steps:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Tabaruat
4.	Select the Charity
5.	Select the purpose of your donation
6.	Choose which account would you like to donate from
7.	Choose the amount
8.	Optional reference
9.	Confirm the transaction with your Warba app password"
Kuwait Food Bank:,"Kuwait food Bank : This service allow you to transfer money to Kuwait food Bank
Steps:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Kuwait food bank
4.	Select the % for the donation of your cash back
5.	Accept the terms and condition 
6.	Confirm the transaction with your Warba app password"
Standing Orders:,"Standing Orders : This service allow you to make Standing Order between your accounts or any account 
Steps:
1.	Open Warba Online App
2.	Go to Services 
3.	Choose Standing Order 
4.	Choose the Standing Order type 
5.	Select Beneficiary
6.	Choose which account would you like to send from
7.	Choose the amount
8.	How do like to transfer (Daily / Monthly / yearly)
9.	Select the Starting Date 
10.	Select the End Date 
11.	Choose the purpose of the transfer 
12.	Add a Description 
13.	Accept Terms & Conditions 
14.	Confirm the transaction with your Warba app password"
Buy online vouchers:,"Buy : This service allow you to buy an online Voucher 
•	Apple Gift Card
•	Google Play Gift 
•	PlayStation Store
•	PlayStation Plus
•	XBOX Gift Card
•	XBOX Live
•	Nintendo eShop
•	GCC Telecom
•	Vouchers History   

Steps to buy Online voucher:
1.	Open Warba Online App
2.	Go to buy
3.	Choose the online voucher you want to buy  
4.	Select the card you want and the amounts for the card 
5.	Choose which account you will pay from
6.	Add a description 
7.	Confirm the transaction with your Warba App password"
Oasis Club Airmiles:,"Oasis club : This service allow you to transfer your pocket point to oasis miles  
Steps:
1.	Open Warba Online App
2.	Go to Services then partners 
3.	Choose Oasis club
4.	Choose the miles you want to exchange
5.	Accept Terms & Conditions
6.	Choose exchange points to miles
7.	Confirm the transaction with your Warba App password "
Postshipper Service:,"Postshipper : This service will allow you to order from out of Kuwait and you will have an address in Kuwait to deliver the order for you 
Steps:
1.	Open Warba Online App
2.	Go to Services then Partners 
3.	Choose postshipper
4.	Choose Login / Sign up
5.	Enter the Email address 
6.	Enter the OTP that will send to your email
7.	Enter your name & phone number 
8.	Enter your address 
9.	Click on Sign Up "
Request Warba Concierge:,"Warba Concierge : this service will allow you to request a driver to take you to the airport or pick you up from the airport to take you home.
Steps:
1.	Open Warba Online App
2.	Go to services then request 
3.	Choose Warba concierge 
4.	Select the request if it (to or from) airport 
5.	Enter flight number 
6.	Enter the date 
7.	Enter the time "
Request Clearance Certificate:,"Clearance Certificate : This service will allow you to request a Clearance Certificate from your branch  
Steps:
1.	Open Warba Online App
2.	Go to Services then Request 
3.	Choose Clearance Certificate
4.	Select pickup branch
5.	Enter reason for request 
6.	Enter note "
Request Travel Note:,"Travel Note : This service will allow you to make note that your travel in the date you select to make sure your cards will be active 
Steps:
1.	Open Warba Online App
2.	Go to Services then request 
3.	Choose Travel Note 
4.	Select the date for your travel note 
5.	Enter the Destination 
6.	Enter your email
7.	Enter your Mobile Number 
8.	Accept Terms & Conditions"
Request Clearing Company:,"Clearing company : This service will allow you to make all your profit stock deposit in your Warba account  
Steps:
1.	Open Warba Online App
2.	Go to services then Request 
3.	Choose Clearing Company
4.	Enter your Civil ID number "
Vouchers:,"How do I buy a digital voucher? 
1.Choose the product you want to buy from the Special voucher section on the Pocket homepage.
2.Choose the country of origin of voucher
3.Choose the value of the voucher
4.Confirm the transaction with your Warba app password
5.You will get the voucher code on the Success page"
Exchange Pocket Points for Kuwait Airways Miles:,"How do I Exchange pocket points for Kuwait Airways Miles? 
1. Choose The Oasis Club on the Pocket homepage
2. Choose How Much points you want to transfer To Oasis 
3. Accept the Terms and Conditions 
4. Choose Confirm  "
Top Up Card:,"How do I Top Up My Cards ? 
1. Choose Top up your cards on the Pocket homepage
2. Choose the card you want to top up 
3. Choose how much you like to top up
4. Choose Confirm  
"
Pay Mobile Bills:,"How do I Pay my bills? 
1. Choose the Pay a Bill option from the Pocket Homepage
2. Choose your operator and mobile number if saved
3. If you don’t have a mobile number saved, you can manually add it to proceed
4. Input the value of the payment amount using your points
5. The equivalent amount in KD will be automatically computed in the input field
6. Confirm the transaction with your Warba App password"
Share your pocket points:,"How do I transfer my points to a friend?  
1. Choose the transfer points option from the Pocket Homepage
2. Choose the Warba Beneficiary you want to transfer the points to
3. Input the number of points you want to transfer
4. You can use the toggle to transfer all your points
5. Confirm the transaction with your Warba App password"
Transfer points to AlSunbula:,"How do I transfer my points to my AlSunbula account? 
1. Choose the transfer points to AlSunbula option from the Pocket Homepage
2. Choose the amount of money you want to transfer to your AlSunbula account
3. Choose Transfer"
Settings:,"Personal Information:
You can see all the information details like your mobile number , E-mail address and your access level in the Warba App

Mailbox:
You can see all the transaction details you’ve done in the APP and send a new mail for more information or help  

Notifications Managements : 
You can turn off or on your SMS service and you can turn on or off your push notifications and choose the language for your massages 

Enable Biometrics: 
You can Enable or Disable your Biometric for APP login or your transactions inside the APP 

Password Management : 
You can change your password and choose the expiry period for your password "
Hassala Maximum amount:,"Hassala Maximum amount is KD 250,000"
Type of financing:,"Warba bank has the following type of financing:
1- Consumer Financing
2- Housing Financing
3- Auto Financing
4- Alwafi Financing (Financing against cash)
5- Medical Financing
You can also view the list of financing offered by Warba Bank through the below link:
https://www.warbabank.com/english/personal/what-we-offer/financing"
Type of credit card:,"There are 2 main types of credit cards:
1- Full Charge
2- Revolving"
Medical Finance Conditions:,"Medical Finance Conditions:
Customer shall be 18 years or above
If the customer is below 21 years old, the guardian shall sign on their behalf
Customer salary shall not be less than KD 300
Monthly instalments for employees shall not exceed 40% of the net salary including all commitments (and 30% for retired customers)
Minimum financing of KD 1,000 and a maximum of KD 25,000
Shortest payment period of 6 months up to 60 months"
Medical Finance Required Documents:,"Required Documents:
Quotation from the clinic or hospital
Civil ID
Passport copy (for non-Kuwaitis)
Account statements for the last 3 months (6 months for private sector employees)
Salary certificate and salary continuation certificate
Authorized signatory and PIFSS certificates (private sectors employees)
Salary certificate from MGRP (private sector employees)"
Drive-Thru Banking service: ,"For the first time in Kuwait, Warba Bank provides Drive-Thru banking service. A service which will make your banking services easier and without the need to get out of your car and entering the branch
This service allows you to do the following services:
Cash withdrawal
Cash deposit
Transfer between Warba Bank accounts
Local transfer
Warba Bank Cheque Deposit
Local Banks Cheque Deposit

"
Drive-Thru Banking service working hours: ,During the official working hours of Al Shuhada branch. Sunday - Thursday: 8:30 am – 3:00 pm
Drive-Thru Banking service location:,"Currently, this service is available only in Al Shuhada branch, and may be provided later in other locations"
Warba World The Island Prizes:,"There are weekly prizes and mega prizes when playing Warba Island. There will be 6 winners per week for 6 weeks, ending the competition with a mega draw where we will have 3 winners.  Players are only allowed to win one prize in the weekly draws, as well as one prize in the grand draw. 
To be eligible for the draws, do the following:
1.	click on “win a prize” button once you finish the game 
2.	enter your details (name, phone number, email) 
3.	 You can share your points multiple times"
Service Now Portal:,You can access the Service Now portal (IT/GSD portal) by visiting the following URL: https://warbabankkw.service-now.com/sp
Warba Learning Gate:,You can visit the Warba Learning Gate to complete your mandatory trainings by visiting the following URL: https://warba.eu.crossknowledge.com/interfaces/login.php 
HR Portal:,"You can visit the new HR portal to request your leave, view your attendance, submit your permissions and more by visiting the new HR portal: https://people.warbabank.com/"
HR Portal Requests:,"To submit a leave request, permission request, a credit card request, and more you can visit the HR portal https://people.warbabank.com/ and submit it under ""My Requests"" tab on the left side of the page.

To view the Medical Insurance Policy, you can visit the HR portal https://people.warbabank.com/ and view it under the ""Documentation Center"" tab on the left side of the page.

To view your attendance, you can visit the HR portal https://people.warbabank.com/ and view it under ""My Attendance"" tab on the left side of the page.

To view the Employees Directory, you can visit the HR portal https://people.warbabank.com/ and click on the directory icon on the top right corner of the page."
2023 First Quarter Profits:,"Warba Bank announced its financial results for the three-month period ending on March 31, 2023, as the results showed that the Bank achieved net profits amounting to KD 4.293 million, equivalent to 2.08 fils earnings per share. To view the full financial report for 2023 Q1 please visit the following URL https://ir.directfn.com/filecontent//D13EA372-AB94-413B-BDDE-4EFF1F2D0378.pdf "
2023 First Half Profits:,"Warba Bank announced its business results for the first half ending on June 30, 2023, and these results indicated that the Bank's net profit amounted to KD10.255 million, equivalent to 4.23 earnings per share. To view the full financial report for Q2 2023 please click on the following URL: https://ir.directfn.com/filecontent//65B88834-E82F-4433-B0A6-21D7F22B2D27.pdf"
Financial Reports:,To view Warba Bank's financial reports please visit the website for more details: https://www.warbabank.com/english/about-warba/investor-relations/disclosures
Warba Bank Annual Reports:,To view Warba Bank's annual reports please click the following link: https://www.warbabank.com/english/about-warba/investor-relations/disclosures
2022 Warba Bank Annual Report:,"To view Warba Bank's 2022 Annual Report, please click on the following link https://ir.directfn.com/filecontent//E95636A8-2CB5-4B37-A3F4-42150B42A330.pdf"
Hi,Hello and welcome to Warba Bank how can I help you?
Hello,Hello and welcome to Warba Bank how can I help you?
Charge Credit Cards,"Charge Credit Cards:
-The limit is not reflected in the customer’s Ci-Net.
-Credit limits shall not exceed 90% of the customer’s net salary after discounting all existing instalments.
-The outstanding balance cannot be revolved to the consequent month.
-Transactions made before 15th will be settled towards the end of the month.
-Transactions made after 15th will be se settled at the end of the consequent month.
-Annual membership is settled annually (a single transaction)
-Can be issued and renewed free of charge when issued against collateral.
-Supplementary cards can be issued with a shared limit.
-Warba Bank Charge Cards:  World Elite Mastercard, World Mastercard, Platinum Mastercard, Visa Signature and Visa Platinum."
Revolving Credit Cards,"Revolving:
-Credit limit calculation/approval is similar to the personal finance process (CI-Net).
-The maximum limit shall not exceed 40 % of the employed customer net salary (and 30 % of the retired customer net salary).
-8.33% Annual Percentage Rate Applies (100% divided by 12 months), i.e. revolving the balance to consequent months.
-The minimum monthly instalment amount is based on the card tier 
-The annual membership fee is divided into monthly payments.
-Revolving cards have a higher issuance fee as it comes with extra benefits (by the bank) than its “Charge” counterpart.
-No additional fees or profit are applied on the revolving balance.
-Supplementary cards can be issued with a shared limit.
-Warba Bank Revolving Cards:  World Elite Mastercard, World Mastercard, Platinum Mastercard, Visa Signature and Visa Platinum."
Communication Center:,