Burgan handles international wires cleanly — useful when your clients pay through Wise, Payoneer, or SWIFT. Convert the PDF and separate client income from personal spend in a real spreadsheet.
Convert your Burgan statementBurgan's regional footprint and correspondent-bank network make it a frequent choice for Kuwait freelancers paid by clients abroad. SWIFT inbound wires arrive with the sender BIC and remitter name in the description, which is exactly the audit trail you need for cross-border tax filings.
The bilingual PDF makes the conversion straightforward, but the international wire entries are where naive parsers fail — Burgan's long narration with BIC + sender name + reference number often wraps across visual lines.
Your Burgan account holds salary, client wires, KNet personal spend, and the occasional cash withdrawal in one stream. The CSV gives you a Category column you can filter — Income, Subscription, Transfer, Cash, Bill — to isolate the business lines.
For Kuwait residents, there is no personal income tax. The filing question is usually about whether a parent country (US, UK, India) wants the data — and what evidence backs the declared figure.
Pull every inbound client wire, every subscription debit, and every transfer fee. Keep the SWIFT BIC and remitter name on each inbound row.
Bilingual Arabic-English A4 PDF. Columns: date, narration, debit, credit, balance (KWD to 3 decimals). Account header includes full customer name, account number, IBAN, currency, and statement period. Regional wire transfers include correspondent bank SWIFT codes in narration.
| Label | Meaning |
|---|---|
| تحويل خارجي | Outward international transfer |
| حوالة واردة | Inward remittance |
| كي نت | KNet POS payment |
| شيك | Cheque clearing |
| راتب | Salary deposit |
Rules in Kuwait differ — see our country guide
Pull your last 12 months from Burgan Mobile
A full year gives you a clean view of client income, seasonal variance, and any irregular transfer to clarify.
Upload to Kashfbank
The bilingual PDF converts in seconds. KWD's 3 decimals survive. SWIFT BICs stay in the Description column.
Filter to client income only
Use the Category column to isolate inbound wires. Compare against your invoice log — flag any wire without an invoice.
Export and hand to your accountant or tax software
Standard CSV columns work with QuickBooks Self-Employed, Wave, Zoho Books, or your country's filing tool. Keep the original Burgan PDF as your audit trail.
Common challenges
I'm a Kuwait freelancer paid by clients abroad. Do I owe Kuwait tax?
Kuwait has no personal income tax. Your tax question is usually about your client's country or your own residency elsewhere. Either way, the structured CSV is what your accountant or tax software needs.
My clients pay via Wise. Will the converted CSV show the sender?
Yes. Wise payouts arrive with a sender reference in the description. Kashfbank preserves the full Arabic and English narration so you can match each wire to a client invoice.
Can I separate family transfers from client income?
Kashfbank extracts everything; categorisation is yours. Filter by sender name or wire-type in the CSV — family transfers from a recurring counterparty are easy to isolate once the data is structured.
Does Kashfbank handle multi-currency rows on a Burgan account?
Yes. Multi-currency rows are tagged with their original currency. A USD wire converted to KWD shows both amounts where Burgan's PDF includes them.
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