Al Jawhara Account

- You must be 21 years old or above
- You can open the account if you are an employee between 18 and 21 with proof of salary
- You can open the account for minors as their legal guardian

The weekly draw is for KD 20,000, the monthly draw is for KD 125,000 and the grand prize draw three times a year is KD 1,000,000.

Each KD 50 equals one chance in the draw.

In case of no withdrawals or transfers from your Al Jawhara Account during the required period for each draw, you will get 1 extra chance for each KD 50 kept in the account during that period.

In case of any withdrawals within the stipulated time period, you will still get the regular number of chances i.e., 1 chance per KD 50.

Eligibility for the weekly draw is based on the minimum balance of the week preceding the week of the draw. For example, if the draw is being held on Tuesday, 10 January, the lowest balance between Sunday, 1 January and Saturday, 7 January will be considered. If the account is closed when the draw takes place, you will not be eligible for the draw.

Eligibility for the monthly draw requires a minimum balance of KD 1,000 in your account during the month preceding the draw month. For example, if the draw is in March  then the lowest balance of your account in the month of February  will be counted for the draw. If the account is closed when the draw takes place, you will not be eligible for the draw.

Eligibility for the grand prize draw is based on a minimum balance of KD 1,000 in your account for a full three-months period prior to the month of the draw. For example, for April’s Al Jawhara grand prize draw, your lowest balance during January, February and March will be used to calculate the number of chances you have in the draw. If the account is closed when the draw takes place, you will not be eligible for the draw.

If the average monthly balance falls below KD 200 during any given month, a KD 2 charge will be applied.

Visit "Al Jawhara Winners" page to find out.

The maximum balance allowed per customer in all Al Jawhara Accounts is KD 500,000. The system will not allow any deposits more than the maximum amount into your Al Jawhara Account.

Al Jawhara draws are all monitored by Ministry of Commerce and Industry, and conducted electronically in the presence of a representative of the Ministry. The bank provides the Ministry with the winner’s details after each draw. The bank also is collaborating with an external audit to review the draw as required by Ministry of Commerce and Industry.

Al Jawhara draws are conducted every Tuesday of every week and in case there is a public holiday, the draw is then postponed to the next working day or what the b  ank sees applicable. In case the bank is having external events, the draw is then postponed to the agreed date. All changes of draw dates are communicated and approved by MOC. The draws take place at the bank’s premises or in case of an external event the bank announces the location and time to customers in advance.

You can know your chances of winning the next Al Jawhara draw by simply logging in to NBK Mobile or Online Banking and using Al Jawhara Calculator to check your exact chances based on your account balance.

Once you win, you will be contacted by the bank immediately to inform you. Once the winner signs the required documents by the Bank, the prize will be credited to the account directly.