At National Financial Institute of Kuwait, we regard the trust that you have placed in us to be of the highest importance in our relationship with you. We are committed to value this trust and will strive to earn it in all occasions that we provide you with products, services, and information to satisfy your needs, and guarding your information every step of the way and this is why we take this opportunity to describe our privacy policies and the measures we take to protect our customer information. In this Privacy Promise, you will find information about these policies and procedures on how information is secured and used. Any updates to our privacy policies and procedures will be communicated to you so that you can continue to stay informed about this vital issue.


We are committed to protecting your privacy at all times and according to the laws and regulatory requirements in this regard.

We do not share customer information with outside companies for purposes of selling their products and services to you, unless you have been given the opportunity in advance to decline this option.

We do not share customer information with outside companies for purposes of selling their products and services to you, unless you have been given the opportunity in advance to decline this option.

We will maintain security standards and procedures designed to protect customer information. We will continue to test and enhance our technology with timely updates to improve the protection of our information about you and this is in accordance with the policy of the bank and the parent company in this regard.

Our goal is to provide you with all of the services you will need to succeed financially. Along the way, we are committed to providing you with responsive, personalized service, and keeping you informed about new services that may be of immediate interest to you, or new benefits that can help you derive the greatest value from your relationship with us. To succeed in this endeavor, we collect customer information that becomes the cornerstone of our ability to provide superior banking service to you when you need it.

The primary reason that we collect and maintain customer information is to serve you and administer your customer relationship in an efficient manner. This information may be collected from a variety of sources, including but not limited to
Information you provide to us in applications or forms of our Bank including those collected now or in the future in our web pages.

Information about your transactions or experiences with the various business units of our Bank. Information we receive from other banks and financial institutions, such as those obtained from credit inquiries, providing your credit history, among other financial information.



We use and may share or disclose customer information with our business partners such as agents and vendors, and with other banks, the parent company in Kuwait and financial institutions.
To protect you. The information we maintain about your customer relationship helps us identify you and helps prevent unauthorized persons from accessing your information, or your accounts or services.
To provide superior service.

Your customer information allows us to respond quickly and efficiently to your needs.
To tell you about new or enhanced financial services. By understanding your relationship, we can better meet your needs and determine your eligibility for other NFIK services that could be of value to you.
To improve and develop our products and services. Every product or service we offer is designed to reflect the ways our customers actually use their accounts.

This is the reason why we collect, and analyze information about customer activity and history, and how we tailor new types of Banking products to meet your needs and under your prior consent to such disclosure.
To comply with the law. Information will be disclosed as warranted by the laws of the State of Kuwait including banking rules and regulations.
To respond to an inquiry about the availability of funds in any of your accounts for which you issued a cheque.
To serve a specific purpose. Doing so only for specific purposes.
Non-financial companies, such as companies that perform services on our behalf – including but not limited to cheque book printers, companies that we commission, now or in the future, to process and dispatch account statements by mail, or companies that help us market our own products to you.


As stated in our Promise to you, we will not share information with outside companies for the purpose of selling their products and services to you without giving you the opportunity in advance to decline this option (that is, to “opt out” of this type of sharing). We may arrange programs with outside financial service providers to offer you the benefits of “one-stop shopping” or other conveniences. In these cases, unless you exercise your choice to opt out of this type of sharing, we sometimes disclose the following categories of limited customer information with outside financial institutions with which we have joint marketing agreements.

Information we receive from you on applications or forms, which may include information such as your name and address, among other information.

Information about your transactions or experiences with the National Financial Institute of Kuwait, which may include information such as your account balance, payment history, credit performance, parties to transactions, credit card usage, and usual comment on overall experience with the relationship.

We disclose information only when we believe that this information is important for the offer, or necessary to provide you with a premium or rate quote. Our joint agreements with these companies are subject to confidentiality provisions and restrictions on using the information for any other purpose.


We will disclose customer information to the Egyptian government agencies as warranted by the laws of the State of Kuwait including mandated banking rules and regulations.

Some disclosures will be made on official order or instruction of the concerned government entity for the sole purpose of compliance with the law or any ruling by a judicial body. Our policies and practices regarding the collection and disclosure of information about former clients are the same as those regarding the collection and disclosure about existing customers (see the section titled Our Policies on the Collection, Use, and Disclosure of Customer Information) for a period of time after a customer relationship ends. Our information about former customers, however, is used less and less over time after the relationship ends.

As we described in our Promise to you, NFIK is committed to preventing others from unauthorized access to your customer information, and we maintain procedures and technology designed for this purpose. We take several measures to protect the customer information we have about you.

We update and test our technology on a regular basis in order to improve the protection of customer information.
We require outside companies and independent contractors to whom we provide customer information for marketing, servicing, or processing purposes to enter into a confidentiality agreement that restricts the use of the information to those purposes, and prohibits independent use of the information or submitted to a third party.

We have internal procedures that limit access to customer information, such as procedures that require an employee to have a business need to access customer information. We maintain policies about the proper physical security of workplaces and records. Our physical, electronic, and procedural safeguards comply with government-mandated regulations on Internet banking security and the protection of customer information.


Maintaining backup copies of account data in the event of power outages or other business interruptions.
Using computer virus detection and eradication software on systems containing customer data.
Installing redundant security systems composed of computer hardware and software, and employing other technical means (known as “firewalls”) to prevent unauthorized computer entry into systems containing customer information.

National Financial Institute of Kuwait staff will never ask you to disclose your security details such as your PIN (Personal Identification Number), TPIN (Telephone PIN), password, or the 3 digits indicated on the back of your Credit Card. In case of receiving such phone calls, please do not release any information and contact our Call Center at 19033.
According to the previous agreement, you agree that it is your responsibility to ensure that you take all reasonable steps to enforce adequate security systems for your computer hardware and software that you will use in accessing this Service, and the privacy of all Electronic services security-related information, whether from the privacy of your home and we are reminding you not to login to the Electronic banking services through public or shared PC / mobile phone devices (such as internet cafes or public libraries)

Keep your Details and Identity Secured, even in the absence of internet connection.
Identity theft can take a long period to detect and even longer to clear. Reduce your risk and protect your personal information in all your financial dealings, through any channel especially over the internet.
Try to avoid using Online banking, at Internet Cafes, libraries, and other public sites to avoid the risk of information being copied and abused after you leave.

Be aware of internet fraud, there are fraudulent web sites designed to trick you and collect your personal information. Sometimes links to such web sites are contained in email messages purporting to come from financial institutions.
Make sure to use the official known web address, to link to bank pages. NFIK staff will never send you this kind of mail.
Safe-guarding your computer from any password recording, deciphering, or generation program, device, or mechanism that unscrupulous individuals may install in your computer for illegal purposes.

Always change passwords that may have been compromised. It is recommended that you change your password at regular intervals.
Contact your bank if you think someone else knows your Online Banking password.
Password protects your computer.
Use a password on your computer to prevent unauthorized individuals from accessing your information.
Disable the “AutoComplete” function within your browser.
This will help prevent others from seeing personal information. On Internet Explorer, for example, the “AutoComplete” function remembers data you have input, sometimes including passwords.

A Password is the key to your online account information, to accounts at online stores and a host of other online activities. Your NFIK Online Banking password, together with your Online banking ID, permits access to your bank accounts. For this reason, your password should be unique and very well protected.

Keep your password to yourself and never share it with anyone.
Be unique try and create unique passwords that are not easy to guess, avoiding choosing people names or well-known things about you (such as your name, phone number, license plate number of your car.
Use letters, numbers and symbols Passwords containing upper and lower-case letters, numbers, and symbols are far harder to guess.
Never write them down if you really need to record your password then try to code it.
Generally, email is not secure or encrypted to protect the content. Therefore, any personal information you include in an email is at risk of being intercepted by unauthorized individuals. Do not send your Online Banking ID and/or passwords by email to anyone ever.

Never send sensitive information by email.
Don’t answer any unexpected email messages requesting personal or financial information.
Never open email attachements from unkown or untrusted senders.
A common way for a virus/malware to spread is via email.
Never open an email attachment that contains a file ending with .exe, pif, .vbs as these are commonly used with viruses.
Avoid clicking on links or downloading files in emails from unkown senders.

We want you to know that – as a customer of NFIK – you have choices about how your customer information may be shared. Please be assured that you may exercise these choices at any time. In addition, we will update our records accordingly so as not to cause you any inconvenience.



Buying an existing property or building your own, with a third option to re-finance, owning the home of your dreams is easy.
It is important to evaluate the variable rate before selecting your Home Loan.

We have experience in delivering solutions, both in conventional and Shariah Compliant format and for clients operating in diverse industry sectors including Financial Institutions, Education, Aviation, Logistics, Hospitality, Real Estate Development, Telecoms, Manufacturing, Commodities, Trading, etc.


We have consistently achieved a leading position on regional book running league tables which is testament to our ability to successfully deliver on our transaction mandates.

When financing your home, it’s tempting to go with the lowest possible interest rate. However, it’s worth noting that most advertised rates are fixed for a short intro period. Evaluating the variable rate which includes both the base rate and margin after the fixed intro period can help you make a balanced decision. Your financial evaluation and property selection should be based on a variable rate rather than the lowest fixed rate offered for a short intro period. This insight will enable you to take practical decisions that will help you in the long run.

Financing up to 80% of the property value

Available for salaried & self-employed individuals Loan tenor up to 25 years.

Being one of the largest banks in the Middle East allows us to leverage our institutional relationships in supporting our customers to tap into and diversify their liquidity base by accessing local, regional and international markets through our branches in London, Singapore, China, India, Indonesia, Saudi Arabia and UAE.

We offers you most convenient way to get loan by mortgaging your owned and un-encumbered property


Eyeing a property in Dubai or Abu Dhabi? This is the perfect home loan package for you.

Financing up to 75% of the property value

Available for salaried & self-employed individuals

Need funds to make your dreams a reality? Now you can get up to AED 7.5 Million against your property

Your long-term partners for innovative debt financing solutions

The Syndication and Structured Finance team, comprising of 9 specialists based out of the DIFC, has a track record of delivering several landmark and award-winning transactions for high profile Sovereign, Sovereign-related, Corporate and Institutional clients from across the Middle East, Turkey, Asia and Africa. The team has closed syndications aggregating to c.US$45m across 75 transactions since 2015.

We combine product expertise, a deep understanding of market dynamics (knowledge of regional and international liquidity), established and long standing investor relationships (covering in excess of 150 investors from across the globe) and the Group’s strong balance sheet capacity to offer underwritten and best efforts syndication solutions to clients.

We combine product expertise, a deep understanding of market dynamics (knowledge of regional and international liquidity), established and long standing investor relationships (covering in excess of 150 investors from across the globe) and the Group’s strong balance sheet capacity to offer underwritten and best efforts syndication solutions to clients.