الخدمات الشخصية

Outward Payments

Inward Payments

Personal/Bank Cheque

*Correspondent bank charges may also be levied
** We may represent a cheque up to three times. Each time a fee will be incurred.

Online Banking Services

Overdraft Facilities

Monthly Cap 

The monthly cap on unarranged overdraft charges for personal current accounts is £100 for accounts held with NBKI - London.
1. The cap applies to charges made for:
(a) going overdrawn when you, the account holder, have not arranged an overdraft; or 
(b) going over/past your arranged overdraft limit (if you have one). 

2. This cap covers any:
(a) interest and fees for going over/past your arranged overdraft limit; 
(b) fees for each payment your bank allows despite lack of funds; and 
(c) fees for each payment your bank refuses due to lack of funds 

Note that the monthly cap does not apply to business current accounts and/or current accounts held by companies and other corporate bodies.  It also does not apply to personal current accounts held with NBKI - Paris.
 

Safe Deposit Boxes

Annual rental:

Short term rental (up to 3 months):

Visa Debit Card

Other Services

Please take note as follows:

E.A.R. stands for Equivalent Annual Rate and represents the annual cost of an overdraft taking into account how often interest is charged to the account.  It does not reflect other fees or charges.

NBKI reserves the right to amend, add to or cancel its charges at any time, subject to applicable regulations. 

Charges will be applied immediately, at the time of each relevant transaction.

Charges for payments and transfers subject to the Payment Services Regulations 2017 will be additional to, and must not be deducted from, the amount due to the recipient in each case.

View Interest Rates Payable on Deposits Summary Box

View Fixed Term Deposit Summary Box

View Notice Account Summary Box

View Watani Super Account Summary Box

View Current Account Summary Box

NBKI meets its automatic exchange of information obligations under US FATCA, UK FATCA (CDOT) and the Common Reporting Standard (CRS).

View AEOI Declaration

Cut off times are shown in UK time. Where we receive payment instructions after the specified cut off time we may not be able to process the payment until the next working day.

In the tables below “working day” for NBKI and other banks operating in the UK means any day of the week except Saturday, Sunday or any English public holiday. When referring to a bank outside the UK (for example when an overseas bank is receiving a payment) it means any day on which the banks in that country are usually open.

Making Electronic Payments Within the UK (All Payments Types Are in GBP Only Except for Internal Transfers)

Bankers Automated Clearing Service

For payments in currencies other than GBP, USD, EUR or CAD the cut off time is 14.00 one working day before the payment date.

If you want to make a payment in a different currency than the one in which your account is held we will convert the relevant amount into the currency you have requested, using our exchange rate applicable at the time.

Making Electronic Payments to Those Outside the UK

Cash Withdrawals

Cash Paid in

Cheques You Write

Cheques Paid in to Your Accounts

Electronic Payments Paid to You

If an electronic payment is received in a currency different from that in which your account is held we will refer to you on a case by case basis for your instructions.

Additional fees payable by Retail and Private Banking customers with current accounts

Minimum Balance Charge: 

A Minimum Balance Charge is payable monthly in arrears by customers maintaining Accounts (in any currency) with us when the average monthly balance of the Accounts for the applicable month drops below the applicable Minimum Balance.  This fee will be charged to your Account during the first week of the month following any calendar month that your total balances are below the agreed Minimum Balance or the currency equivalent at the calendar month end.

Please see above link Deposit Interest Rates for details for Minimum Balance.

Minimum Balance Charge (charged Monthly when applicable):

The balance calculation for a month is calculated using the daily average of the total of the credit balances of all your accounts and the total amount deposited with the National Bank of Kuwait (International) Plc.

The Minimum Balance Charge does not apply when you hold a loan with NBKI, or a fund distributed by NBK (London) Nominees.

The Minimum Balance Charge is debited from your Account held with the National Bank of Kuwait (International) Plc..

If the balance in your instant access accounts (Current and Watani Super accounts), is insufficient to cover the Minimum Balance Charge (for example below £100) we will contact you directly to top up your account.

If the due fees are not received within 1 month of notifying you, or after 2 months of not being able to reach you despite our best efforts, we reserve the right to:

• Debit the accumulated fees from your deposits when they mature (if applicable)

• To proceed with the closure of accounts in line with our Conditions.

Please our FAQ’s available on our website for further details.

Interest rate benchmarks are being reformed. London Interbank Offered Rate (LIBOR) and other Interbank Offered Rates (IBORs) will cease to exist and will be replaced with alternate reference rates.

Your eligible deposits with National Bank of Kuwait (International) PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.