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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:
- Digital onboarding through the SiDi app, available in 7 languages.
- Free account opening with no minimum balance.
- Free debit card issuance, delivery, and activation all through the SiDi app.
- Hassle-free salary transfer service for SiDi customers to receive salaries securely through a dedicated IBAN
- Cash withdrawal service on any ATM and cash deposit in Warba bank ATMs
- International remittance services that allow you to send money home through the SiDi app.
- Instant money transfer to other SiDi customers who have a SiDi wallet.
- 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/

make sure Q&A Bot that the user is a SiDi customer to provide the answers betweeen this pharagraph 

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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:
Have you heard of Warba World? It is The First-Ever Augmented Reality Adventure game that engages customers in financial literacy. Available to play on all smartphone devices, with no app download required.
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:
To play Warba World, follow these simple steps:
1- Select an Avatar to start playing.
2- Allow access to device motion sensors to play Warba World.
3- Tap the screen to place Warba World on the screen.
4- A 3D map of Kuwait City will be displayed on the screen.
5- A pop up will show displaying how to play Warba World.
6- Upon clicking “Start,” the timer will begin to visit the landmarks and finish the tasks to score points.
Playing Warba World:
You can play Warba World multiple times, and there are daily and weekly draws on valuable prizes when playing. To be eligible for the draws, follow these instructions:
Share your points as an Instagram story/post
Mention @Warba_Bank
Include the hashtag: #WarbaWorld
You can share your points multiple times
Privacy of Warba World:
There’s no need to add any personal details when playing Warba World.
Eligibility of Warba World:
Even if you are not a Warba Bank customer or live outside of Kuwait, you can still play Warba World. However, you cannot enter the draw unless you live in Kuwait.
Saving Progress of Warba World:
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 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 22969966.

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 22969966 to request their services. Warba Concierge team will guide them through the process and ensure their needs are met.


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.

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

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 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 22969966 to schedule their free airport limo services. Warba Concierge team will coordinate the details and confirm the reservation.

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:
after signing into your warba account, on the bottom of the screen click on ""services"", and click on ""Pay Me"" service and follow the instructions on screen.

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/