NBK Tools

NBK Tools

Al Jawhara Calculator

The minimum deposit is KD 50 and maximum deposit is KD 500,000.
In case of no withdrawal within the holding period, extra chances will apply

NBK Miles Points Calculator

Prayer Timings

  • Fajr

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Loan Calculator

Loan Refinancing Calculator

NBK Rewards Points Calculator

Term Deposit Calculator

Currency Convertor


  • Launch of the New Website for Ci-Net

    The Credit Information Network Company “Ci-Net" is pleased to announce the launch of its new website on the Internet, which was specifically designed to facilitate for our valued customers the process of browsing and using the new features and improvements that are in line with the strategy of "Ci-Net" in digital transformation and innovation in providing add value services to customers. The new website has been updated and developed in accordance with international best practices and the latest technology in order to ensure providing the best credit services with a high level of security and confidentiality of data and credit information to customers. Learn More

  • Lebanon Relief Campaign

    KRCS aims to help the people of Lebanon who were affected by the explosion. With your kind donation, we will be able to provide them with medical supplies and the necessities to secure their safety and accommodation. Donate Now

  • NBK’s Latest News

    Stay updated with our latest news and information on our dedicated page during these unprecedented circumstances. Learn More

  • Important Announcement

    Aiming to answer your banking needs, we welcome you at our operating branches from 8:30 AM to 2 PM, except for the Avenues and Al Salam Mall branches from 10 AM to 3 PM and the Kuwait International Airport branches in T1 and T4 from 8 AM to 7:30 PM to serve travelers and Airport staff only: For Individual Customers: NBK Headquarters, Ministries Complex, Kuwait International Airport T4, KOC, Rawda, Daiya, Dahiyat Abdulla Al-Salem, Shamiya, Kaifan, Surra, Bayan, South Surra, Salwa, Mishref, Jabriya, Sabah Al-Nasser, Ardiya, Al-Andalus, Hadiya, Rihab, Sabahiya, Riqqa, Mubarak Al-Kabeer, Sabah Al-Salem, Jahra, Jahra Commercial, Dasma, Faiha, Qurtoba, Nuzha, Public Institution for Social Security (PIFSS), Yarmouk, Rumaithiya, Fahaheel Al-Sahely, Ali Sabah Al-Salem, Qurain, Saad Al-Abdullah, Qadisiya, Al-Hamra Tower, Doha, Zain Head Office, Kuwait International Airport, and KNPC. For Individual and Corporate Customers: Ahmed Al-Jaber, Sharq, Ghazali, Cinema Salmiya, Al-Salam Mall-Salmiya, Ahmadi, Fintas, Grand Avenue, Shuwaikh, Fahed Al-Salem, Fahaheel, The Avenues, Khaitan, Ras Al-Salmiya, Jleeb Al-Sheyoukh, and Farwaniya. For Individual, Corporate and Al Amil Customers: Sabhan NBK's ITM Service at the Avenues & T4 Airport Branches will also be available from 10:00am until 6:00pm, in addition to its electronic channels 24/7: NBK Mobile Banking, NBK Online Banking, nbk.com, NBK’s social media channels, and NBK Contact Center & NBK WhatsApp on 1801801. Thank you for your cooperation.

  • Prevention Guide from COVID-19

    You Awareness Guide About the Virus Read More

  • Important Notice

    NBK will never ask you for your account number, card number, CVV, OTP/PIN numbers over the phone, Viber, WhatsApp or any other means. Please do not disclose your personal information to anyone. Learn more

Trade Finance


You need the support of knowledgeable trade finance specialists to rely on.

At NBK, Trade Finance gathers a team of talented experts with vast and cumulative experience. This, complemented by the latest technology of world-class standards, is the best solution for importers who are seeking expertise for their Letters of Credit, guarantee and structured trade deals.

Our Trade Finance team's vast experience and knowledge has enabled us to offer a high degree of professionalism. NBK is an excellent venue for traders to structure project finance-based complex letter of credit and Guarantee transactions.

Letters of credit (LC)

A Letter of Credit is a conditional payment mechanism under which the issuing bank irrevocably promises to pay the seller if presented documents comply with all of the Credit’s terms and conditions.

We offer:

  • Irrevocable LC
  • Transferable LC
  • Back-to-Back LC
  • Revolving LC
  • Standby LC

Letters of guarantee (LG)

The department is experienced in proactively recommending to clients the best format and method to protect their rights and interest in all guarantee categories such as bid bonds, performance, advance payment, retention, suppliers credit guarantee, contract guarantees and others.

Documentary collection

Documentary Collection is the collection by a bank of funds due from a buyer against the delivery of documents.  The bank has no liability for payment.

Process – The bank, acting as agent for the seller/exporter presents documents to the buyer/importer through the party’s bank and in exchange receives payment of the amount owed, or obtains acceptance of a time draft.

Characteristics of a collection:

  • Simple and inexpensive compared to a letter of credit
  • Often faster receipt of payment than open account
  • Normally the seller remains title to the goods until payment or acceptance
  • Seller must pay for return transportation if not paid for

Bill Financing

Reduce your turnaround time, improve your cash flow, and convert your accepted bills to cash at competitive rates for different foreign currencies.

How do I get it?

For more information on how to request any Trade Finance service or document for your business please contact your Business Relationship Officer or you can email enquiries to BB@nbk.com.

Fees & Charges

The commission rate is based upon the risk assumed by collateral and your financial strength.

Other charges may include correspondent bank charges and expenses incurred by relating to the letter of credit such as courier, swift charges, etc.


  1. How do I apply for the issuance of an import letter of credit?

    Liaise with your NBK Relationship Officer about your needs. To support the issuance of an import letter of credit, you will have to set up a line of credit. Once approved, complete the application for an irrevocable documentary credit and bring it to your NBK Relationship Officer.

    If you require assistance in completing the application, you may our Trade Finance division.

  2. What is the uniform customs and practice for documentary credits (UCP)?

    The uniform customs and practice for documentary credits (UCP) is a set of recognized and internationally accepted rules for documentary credits published by the International Chamber of Commerce (ICC) in Paris, France. These rules are used in the international trade community for determining the roles and responsibilities of all parties involved in letters of credit, including standby letters of credit, where the letter of credit expressly stipulates that it is subject to the UCP.

  3. What are the risks to the buyer in an import letter of credit?

    Under an import letter of credit, the bank promises to make payment to the seller against the seller's presentation of pre-specified documents. However, it does not provide the buyer with protection if the seller presents documents that comply with the letter of credit but later prove to be fraudulent. If all appropriate documents are presented to the bank in absence of clear fraud, the bank will not be able to refuse payment should a dispute arise between the buyer and seller.

    To reduce this risk, a buyer should thoroughly investigate prospective sellers. Our Trade finance experts will assist you in compiling this information using public information available from their global contacts.