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

  • Imsak

  • Fajr

  • Duhr

  • Asr

  • Maghrib

  • Isha

Loan Calculator

Loan Refinancing Calculator

NBK Rewards Points Calculator

Term Deposit Calculator

Currency Convertor


  • Important Notice on Online Transactions

    Dear Customers, For your protection, please note that you can now complete only 5 local online purchase transactions per day and the 6th transaction will be declined. Consequently, you need to wait till the next day to use your NBK Debit Card online for transactions. Read More

  • Important PIN Notice

    Dear Customers, For your protection, please note that you have three chances only to enter your PIN on ATMs, Point of Sale, Phone Banking and Online Purchases correctly, after which you have to contact NBK Call Center at 1801801 to unlock your card. Contact Us

  • 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

Loan Refinancing


Are you satisfied with your loan but feel you would be happier and more at ease if you had taken out more money? We’re here to help you get everything you need.

Loan Refinancing is available to you. This allows you to borrow an additional amount of money from which the old loan can be settled.

*Terms and conditions apply

Who can apply?

  • Loanholder must have repaid no less than 30% of the total number of installments set for their consumer or installment loan on their due dates
  • For example, if you have taken a loan of 180 installments originally (i.e. over 15 years), the loan can be refinanced only if 54 installments have been paid
  • Loanholder should not be past due on loan payments at the time of application

What is it for?

  • The new loan must be of the same type as that of the original loan
  • For example, an existing consumer loan can be refinanced by a new consumer loan only (the same applies for installment loans)

What do I need?

  • Salary certificate
  • Civil ID, passport copy (for expats)


  1. How much can a customer additionally borrow?

    You can additionally borrow until your loan outstanding reaches KD 15,000 for consumer loans and KD 70,000 for all loans.

  2. What do I need to do to bring my loan/salary from another bank to NBK?

    You should have paid 30% of the installments of your loan at another bank on their due dates NBK will assess your eligibility by checking your income and liabilities and approve your loan. Upon approval, NBK will start the process to settle your loan with another bank and grant a new loan with NBK.

  3. What is the maximum DBR (debt burden ratio) that I am allocated?

    You cannot exceed the debt burden ratio (DBR) of 40%.

Apply Now for Loan Refinancing

Are you an existing NBK Customer*

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