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

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Feels like
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  • Wind Speed

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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

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 Verified by Visa 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). Starting January 10 2018, no registration is required.

What do I get?

  • Peace of mind when shopping online
  • Secure authentication gateway

How does it work?

All online transactions performed with your NBK Card at participating 3D Secure enabled merchant websites will require you to enter a One-Time Password (OTP) in order to complete the transaction. If the merchant is not 3D Secure enabled, you will not be required to enter an OTP, and you will not receive one.

The steps involved in receiving the OTP and completing the online transaction are mentioned below:

1. Shop Online at any 3D Secure enabled online merchant site and checkout
2. Enter your NBK Card details during checkout
3. You will receive the OTP through your mobile number and email address registered with NBK
4. Enter the OTP in the authentication screen 
5. Transaction will be completed after successful verification of the OTP

After you have entered your OTP correctly, NBK will authenticate all details and following successful verification, the transaction will be authorized.

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, logging into NBK Online Banking or by calling 1801801 to avoid any inconvenience
  • 3D Secure enabled online merchants will display the “Verified by Visa” 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 and offered to customers as the Verified by Visa service. Mastercard also offers this to customers under the name Mastercard Secure Code. 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.