Watani Online Interaction


The only reason I’m picking on NBK is because its supposed to represent the biggest and the best that is available in Kuwait when it comes to banking, so I hold them to a higher standard. Or I am very frustrated with this stubborn system that is difficult to use.

Their IT are made of people that can’t think of a simple solution and don’t seem to know how to get the job done right. Security isn’t the issue here, it can be maintained without making the life of the user miserable. They see the system as working and they don’t want to touch it so it won’t break if they make any improvements. It has been the same front end for the past few years, maybe small changes but nothing substantial.

One thing that drives me nuts is the security question, if you have the wrong password and they ask you the security question. The security question just “disappears”, really it does, nothing is there, but you can still answer. I knew that because I tried it but most people would be confused. Then there would the images on the front of the website that they need to get rid off, clean things up a bit.

The password recovery is just a disaster of a process, you do it the first time then it resets and you have to do it again and enter your Civil ID number and Account number. Who has that information on hand all the time? Not everyone does. Then there is the matter of a username, if all major international banks have usernames as login why can’t NBK? Again I have a problem with their website, they have put zero thought to the customer usage and how simple it is. You are talking about one of the biggest banks in the Middle East, they could at least improve on this. The best website I have ever used is from Bank of America.

A guy who is just trying to enjoy life!


  1. I never had a problem with their website… I thought it was 3adee.. but now that you mention it… your right… its quite frustrating… the whole Civil ID thing…

  2. Berserk-KW

    First of all, I have memorized my civil id number, so i don’t really have a problem reciting it every time i am asked to.
    second, granted you might not have your civil id with you all the time, but who wouldn’t have their bank card with them? i mean i’ve never left the house without my wallet, which holds both my civil id and bank card in it, even while at home, it’s a few steps away from me, so i see no problem in that..
    i can’t explain why they don’t upgrade the system.. it is rather stupid, but the problem isn’t with having that kind of information at hand..

  3. Loca in Kuwait

    Kind of galling that their website is not so user friendly since they just made a net profit of 1 billion dollars :0)

  4. lfc-q8

    the best online banking in kuwait is burgan hands down Z u should give it a try

  5. I second Lfc btw :P We do have the best online banking but it still needs a bit of work

  6. D

    open up new document and ADD all ur user/login/cvd’s for the websites you use most frequently. same thing for all ur atm cards pin numbers. this is how i can follow up everyone’s account and details. arya7. its more convenient if you have many passwords and cant keep up with them better than suffering everytime you have an access problem.

  7. I use nbk so much that I have the number memorized. So I never had to go for the password recovery procedure.

    But you are right. I do online banking with couple of Indian & Canadian banks, and their process is much more streamlined with a better user experience.

  8. Jarib il ahli o sadegni betmout 7ub o gharam bel wa6ani!

  9. I think KFH have the best online banking system. NBK’s is quite user friendly when you want to enquire about your account. It’s when you want to include a third party (wire transfer or paying bills) and need an epin, then things start to get ugly.

  10. Hamitaf La B: it does get a annoying!

    Berserk: Sometimes I would want to check my account info while abroad and I know I dont carry my check card with me when I’m abroad. I think its a security risk for sure! I think they need to change the flow of their system!

    Loca: very odd for sure!

    lfc-q8: I have heard mixed results about that!

    Jacqui: Define a bit of work?

    D: That is the WORST thing you could possibly do! Its a huge security risk and then everyone can get to your information! Never put it on a word document! This is all your private info!

    cajie: They haven’t improved anything for the past 5 years.. they need a drastic overhaul!

    Hasan.B: looool! As I said, I expect better from them!

    MYK: It is rather stiff in my opinion!

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