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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.

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  • 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

NBK Secure Shopping


You want to shop online with peace of mind, knowing your accounts and your identity are protected. To give you this security, we have developed NBK Secure Shopping, giving coverage to all NBK Cards.

At NBK, we want to make certain that your internet purchases are as secure as possible, so we have collaborated with Mastercard SecureCode and Visa Secure to bring you NBK Secure Shopping.

NBK Secure Shopping is a free and automatic online security service that has been created to help guard your NBK Card against unauthorized usage online. It works by using a One-Time-Password (OTP) that will be sent to your mobile or e-mail. You will receive a different OTP for every online transaction with participating online retailers*. This helps to protect you from unauthorized use when making online transactions.

NBK Secure Shopping is an online added security layer that protects credit and debit cardholders’ online purchases from fraudulent use of their cards.

Who Is It For?

All NBK Credit and Debit Cardholders (excluding Diners Club, Business Banking and Corporate Banking Credit Cards).

What do I get?

  • Peace of mind when shopping online
  • Secure authentication gateway

How does it work?

  • All purchases at participating online merchants* will automatically redirect you to the 3D Secure One- Time-Password (OTP) page after entering your card details
  • You will receive the One-Time- Password (OTP) to be sent via SMS or e-mail registered with NBK
  • The One-Time-Password (OTP)  will only be valid for 15 minutes
  • Enter the One-Time-Password (OTP) to confirm and validate the transaction
  • If you do not receive the One-Time-Password (OTP), please call 1801801

How do I get it?

  • Each transaction will have a separate OTP and the same OTP cannot be used for more than one transaction
  • All customers are requested to update their mobile number and e-mail address by visiting the nearest NBK Branch, log in to NBK Online Banking or by calling 1801801 to avoid any inconvenience

*3D Secure enabled online merchants will display the "Visa Secure" or "Mastercard SecureCode" logos on their payment pages. You can still shop with non-participating merchants, but you will not require or receive an OTP.


  1. What is NBK Secure Shopping?

    NBK Secure Shopping adds another authentication step for online payments. It was developed by Visa to improve the security of internet payments offered to customers as the Visa Secure service. Mastercard also offers this to customers under the name of Mastercard SecureCode. This authentication is based on a three-domain model hence the 3D in the name 3D Secure Shopping.

  2. Will I need to apply for a new credit card to use NBK Secure Shopping?

    No, you will be able to use your existing NBK Credit Card.

  3. Do I have to pay for NBK Secure Shopping service?

    NBK Secure Shopping is a free and automatic service provided by NBK to all credit cardholders.