Boubyan is Kuwait's digital-first Islamic bank. Pull client wires out of your Boubyan PDF without losing the Murabaha and Tawarruq labels that make it Sharia-compliant.
Convert your Boubyan statementBoubyan was founded in 2004 and is majority-owned by NBK. It built its reputation on a strong mobile app and a younger Kuwaiti customer base. If your current account sits at Boubyan, your statement mixes inbound client wires with Murabaha repayments, Tawarruq cash-finance instalments, KNet POS purchases, and instant transfers.
Kuwait has no personal income tax, but freelancers still need a clean income record for residency renewals, SWIFT counterparty checks, and any cross-border filing in a client's jurisdiction. The converted CSV lets you isolate client income from financing-product entries in minutes — not hours of manual review.
Boubyan issues a digitally-generated PDF with modern branding. Bilingual Arabic-English columns sit side by side, with the Islamic product type printed in the narration column. KWD figures run to three decimal places throughout. The account header clearly shows IBAN, product type (current, savings, investment), and statement period.
International client payments land as 'تحويل فوري' or 'حوالة دولية' with the sender's SWIFT BIC. KNet POS purchases show as merchant-name strings, sometimes mixing Arabic brand names with English locations on a single line. Murabaha repayments carry 'مرابحة' with your financing reference. Tawarruq cash-finance instalments appear as 'تورق' — financing outflow, not income.
Keep client wires separate from Islamic finance entries. Preserve 3-decimal KWD and the original Arabic labels for the audit trail.
Clean digitally-generated PDF with modern branding. Bilingual Arabic-English columns; Islamic product type appears in narration. KWD to 3 decimal places. Account summary header clearly shows IBAN, product type (current/savings/investment), and period. Very consistent layout across statement generations.
| Label | Meaning |
|---|---|
| مرابحة | Murabaha repayment |
| تورق | Tawarruq cash finance |
| كي نت | KNet POS payment |
| تحويل فوري | Instant transfer (SWIFT/KNet) |
| راتب | Salary credit |
Rules in Kuwait differ — see our country guide
Download from the Boubyan Bank App
Open the Boubyan Bank App, request a 12-month statement for your current account, and save the PDF. The app sometimes omits page numbers on mobile exports — request the desktop version if you plan to merge multiple periods.
Upload to Kashfbank
Drop the PDF in. Murabaha, Tawarruq, and KNet labels survive into the export with their original Arabic intact. 3-decimal KWD precision stays through every row.
Filter to inbound client payments
Sort by Category. Keep International Wire and Inbound Transfer. Drop everything tagged Murabaha or Tawarruq — those are financing products, not freelance income.
Export to Excel or CSV
Date, Description, Debit, Credit, Balance, Category, Currency drop straight into Zoho Books, QuickBooks, or Xero.
Common challenges
Does Kashfbank preserve Murabaha and Tawarruq labels?
Yes. 'مرابحة' and 'تورق' are kept exactly as they appear in the Boubyan narration. Each carries its own category tag so you can filter them out of freelance gross income.
Does the export keep KWD to three decimal places?
Yes. 12.500 stays 12.500. Boubyan issues all KWD figures with three decimals, and Kashfbank preserves every fil for accurate reconciliation against your invoices.
My Boubyan KNet POS lines mix Arabic brand names with English locations. Does that break extraction?
No. The full merchant string is preserved in the Description column as it appears in the PDF. You can split or relabel after export if your accounting software needs a cleaner merchant field.
I receive USD payouts that arrive as KWD in my Boubyan account. Which amount goes in my records?
Both. The original USD figure from the SWIFT description is preserved alongside the KWD credit that landed in your balance. Reconcile against your USD invoices using whichever side your client expects.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Loan Applications
Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.
Mortgage Applications
Prepare 6–12 months of verified, structured bank statement data for mortgage underwriting — covering down payment seasoning, income stability, and GCC real estate requirements.
Regulator: Central Bank of Kuwait (CBK)
Fiscal year: Apr 1 – Mar 31 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English