Seppo

TAKE YOUR BANKING
EXPERIENCE TO THE NEXT LEVEL

Download "tam"

Kuwait's first sharia compliant digital bank with an experience like no other.

By Kuwait Finance House

Tam app

Student aid

Don’t miss out on the benefits and rewards!


Transfer your student allowance to “tam” and enter the grand prize and more!

Golden Badge

Unlock the Golden Badge


Transfer Your Student Allowance to TAM and enjoy exclusive benefits with your golden badge!

1

Free prepaid card

as long as your student allowance is with “tam”.


2

2x “tam” points

for every 1KD you spend with your “tam” prepaid card.


3

Refer and earn

Refer a friend through the TAM app and earn 5000 points.


4

Exclusive card Design

exclusive card design when you obtain your golden badge.


5

Special Offers

enjoy exclusive offers and surprises just for you.


About

Your banking journey
starts here!


"tam" is Kuwait’s first sharia compliant digital bank powered by Kuwait Finance House. Our mission is to revolutionize your financial wellness, while you enjoy valuable rewards and benefits throughout your banking journey. "tam" is all about the beyond banking experience designed to be fun, seamless and personalized to your lifestyle.



What is "tam"?

In a nutshell, it’s banking on the go. "tam" is the first sharia compliant digital bank in Kuwait that works around your lifestyle. We let you do more and get more of the things you love the most.


Who can apply for a "tam" account?

All you need, to join "tam" is:

  • 15+ years of life behind you
  • A valid Kuwait Civil ID issued to the citizens of Kuwait only
  • A smart phone

What documents do I need to sign up?

None! All you need to do to join "tam" is to scan your Civil ID or use Kuwait Mobile ID, answer a few questions and تم, you are ready to bank!



More FAQs

Features

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Download "tam"

on the go, open your account within a minute and unleash your rewards.


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Earn Profits

while you bank with "tam".


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Easily top up

your account, anywhere…anytime.


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Add Friends

and build your own community to quickly send and receive money.


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Track Expenses

by creating your own tags!


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Customize your app

the way you prefer.


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Send and Receive money

Quickly using mobile numbers through WAMD service.


Cards

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Show off your digital card

from a collection of cool designs. Make sure to occasionally check the 'Digital card cover' section for new design collections.

"tam" Rewards

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Up to 100% Cashback

convert your "tam" reward points to cash topped up into your "tam" prepaid card.


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Earn points

we made it easy and fun to earn "tam" reward points every time you spend and engage.


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Redeem

whether it's cashback, discounts or awesome deals from top brands, tam offers you all that & more!


FAQs



What is "tam"?

In a nutshell, it’s banking on the go. "tam" is the first sharia compliant digital bank that works around your lifestyle. We let you do more and get more of the things you love the most.


Who can apply for a "tam" account?

"tam" is for anyone who is interested in experiencing the fastest way of banking on the go. All you need to join is:

  • 15+ years of life behind you
  • A valid Kuwait civil id issued to the citizens of Kuwait only
  • A smart phone

What documents do I need to sign up?

None! All you need to do to join "tam" is to scan your Civil ID or use Kuwait Mobile ID, answer a few questions and done you are ready to bank!


What does “by Kuwait Finance House” mean?

"tam" is a brainchild of Kuwait Finance House. It’s a whole new offering designed with YOU in mind. Created with the expertise and security of Kuwait Finance House, one of the leading innovative and trusted Islamic financial institutions in the world.


How do I open a "tam" account?

Use your smartphone to open a "tam" account in less than a minute. You will be issued a virtual card immediately and can be used instantly. No paperwork, no branch visits. Just download the "tam" app and join the "tam" community!


What can I do with "tam"?

Enjoy a world of opportunities with our unique and fun features.

With "tam" you get:

  • A digital savings account
  • Instant virtual card for all your needs
  • Easily track your payments
  • Add friends to send and receive money quickly
  • Transfer money in and out of your account, locally
  • 24/7 “tam” Help Centre available through call and WhatsApp
  • Earn rewards as you bank with "tam"


Why should I choose "tam"?

Because we are the bank of the future and we are breaking the mold of traditional banking to bring you something unique.

We’re a simple, honest and fun solution for your lifestyle. And ultimately, we want you to do more and get more of all the things you love the most in life.

That’s why with "tam", you earn as you bank, anytime and anywhere.


How much does "tam" cost?

Absolutely nothing! The "tam" mobile app is free. On the contrary, you benefit from banking with "tam". It comes with cool features and lots of opportunities to grab great deals from the brands you love the most. Share it with your friends and earn exclusive rewards.


What is “WAMD” service on “tam”?

It is a service off¬ered through “tam” App that allows “tam” and local banks customers to send and request money using their verified mobile number instantly.


Is “WAMD” service available 24/7?

Yes, it’s available 24/7 during weekends and holidays.


What is the “WAMD” service charge?

It’s free of charge.


How I subscribe to “WAMD” service?

Through the “tam” app by choosing the “WAMD” service from the main menu then choosing Subscribe to “WAMD” and following the steps.


How to send money via “WAMD” service?

This service allows you to send money to another customer to another local bank or the same bank, the recipient must be registered in the service via mobile number (it is not mandatory to be registered in the service if you want to use send money), amount will be debited and credited instantly, name of the beneficiary (receiver will be displayed) before the transfer.


How I cancel my “WAMD” service subscription?

Through the “tam” app by choosing the “WAMD” service from the main menu, then click on service icon, choose cancel subscription and follow the steps.


How can I freeze or temporarily stop the “WAMD” service?

Through the “tam” app by choosing the “tam” service from the main menu, then click on service icon, choose FREEZE “WAMD”.


What are the “WAMD” service limits?
  • Minimum amount per transaction is 1 KD
  • Maximum amount per transaction 1,000 KD
  • No limit on of transactions per day as long as the total amount does not exceed 3,000 KD in a single day
  • Maximum amount that can be sent each month is 3,000 KD

How to request money via “WAMD” service?

This service allows the customer to request money from others. The receiving customer and the sender must, both, be registered in “WAMD” service, and the validity of the request is 24 hours. A SMS will be sent to the recipient (the payer) stating the money request, and then he must log in to “tam” App within 24 hours, accept the payment request and follow the steps.


Can I cancel the transaction after sending the money using “WAMD” service?

This matter should be settled directly between the sender and the beneficiary, as both debit and credit take place instantly.


if I am already subscribed on "WAMD" service with another bank and I want to transfer my subscription to my "tam" account?

You can transfer your subscription on “WAMD” service to your account through “tam” App when you click on “Subscribe to the service”.




Cookie Policy

When you use tam.bank and "tam" mobile apps, cookies are used to personalize and improve customer experience, and this will help us improve our product & services. Select "Accept all Cookies" to agree or "Manage Cookies" to review. You can find out more about our  Privacy Notice and Cookie Notice .