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Al Dirwaza Account

An investment saving account based on Wakala investment principle with profits disbursed monthly, along with draws to win cash prizes throughout the year.

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Account benefits

  • Expected profits up to 2% disbursed on Monthly basis.
  • No salary transfer required.
  • Up to KD 2,000 cash withdrawal from ATMs
  • Instant issuance of Debit card
  • SMS service
  • The funds of the account are invested based on Wakala investment principle.

2025 campaign

  • Weekly Draws: 5 winners KD 1,000 each, 9 winners KD 500 each.
  • Monthly Draws: 2 winners- KD 5,000 each.
  • Quarterly Draws: 1 winner of KD 25,000
  • Mega Draw: January 2026- 1 winner of KD 100,000
  • *The quarterly draw takes place the monthly draw.
  • **The Mega draw takes place the quarterly draw.

Chances calculation

  • Weekly and monthly draws: the amount should be in the account one full calendar month prior to the draw.
  • Quarterly and Mega draws: the amount should be in the account for two full calendar months prior to the draws.
  • 1 chance per KD 1 if the minimum balance below KD 2,000.
  • 2 chances per KD 1 if the minimum balance between KD 2,000 – below KD 5,000.
  • 3 chances per KD 1 if the minimum balance between KD 5,000 – below KD 10,000.
  • 4 chance per KD 1 if the minimum balance KD 10,000 and above
  • The maximum chances each customer gets is 250,000.
  • Draw chances are calculated on the available account balance excluding amounts under collections.
  • Blocked amounts are calculated for the draw chances.

Terms and Conditions

  • Minimum balance of KD 100 is required for the account and to enter the draws and this amount can only be withdrawn upon account closure
  • Monthly profits are calculated based on the minimum monthly balance
  • The Quarterly draw takes place the monthly draw
  • The Mega draw takes place the quarterly draw.
  • Weekly and monthly draw winners will not be eligible for any draws for a period of three months after winning.
  • Quarterly draw winner will not be eligible for any quarterly draws during the campaign.
  • Cash prizes are awarded separately and are not deducted from the customer’s account balance.
  • The account must remain open until the day of the draw for eligibility.
  • The bank reserves the right to modify the campaign’s terms, draws, and prizes at any time. Customers will be notified in advance via written or electronic means.
  • Terms and conditions apply.

Winners of Al Dirwaza Account Draws

FAQ

Terms and Conditions

Other Benefits

"KIB Contact Center"
Our 24/7 Contact Center

Sms Banking
Service

Free KIB
Mobile Banking

Cardless ATM
withdrawal service