If you handle Kuwait-resident clients, NBK is in your stack. Bulk-convert their PDFs to clean spreadsheets that drop into QuickBooks, Zoho Books, or Xero — with KWD precision intact.
Convert NBK statementsNBK is Kuwait's largest bank by assets and the most common current account for the salaried professionals, SMEs, and corporate clients you handle. Its bilingual PDF is generated from a Misys/Temenos core — clean text layer, side-by-side Arabic and English, but with two quirks that generic OCR tools mishandle: KWD to three decimal places, and bilingual columns that can collapse into one merged field if extracted wrong.
Kashfbank reads NBK's format natively. The 3-decimal precision is preserved on every credit, debit, and running balance. The original Arabic narration is kept alongside the English label, so SWIFT BICs, KNet merchant strings, and "تحويل آلي" internal-move labels all survive into the export.
Kashfbank's CSV output uses standard columns — Date, Description, Debit, Credit, Balance, Category — that import directly into QuickBooks Online (most common for international firms), Zoho Books (popular among Kuwait SMEs), and Xero (preferred by Anglo firms operating in Kuwait).
For each client you can process months in bulk, label each PDF by source filename, and merge into a single 12-month sheet for trial balance reconciliation. The category tags map cleanly to chart-of-accounts buckets — Salary, Service Fee, KNet POS, Internal Transfer, International Wire.
Every line, every fil, every original Arabic label. Nothing dropped, nothing translated away.
Text-layer PDF generated from Misys/Temenos core banking. Bilingual columns side-by-side (Arabic right, English left). KWD rendered to 3 decimal places throughout. Account header shows IBAN, civil ID reference, and statement period. Closing balance repeated at the bottom of each page.
| Label | Meaning |
|---|---|
| تحويل واردة | Incoming transfer |
| راتب | Salary credit |
| كي نت | KNet POS payment |
| سحب ATM | ATM cash withdrawal |
| رسوم خدمات | Service fee charge |
Rules in Kuwait differ — see our country guide
Collect 12 months of client PDFs
From NBK Mobile or WATANI exports. NBK supports up to 12 months in a single PDF, which is what most full-year bookkeeping cycles need.
Bulk upload to Kashfbank
Drop multiple PDFs in one session. Each is converted independently and labelled with its source filename, so you know which statement each row came from during reconciliation.
Reconcile against the client's books
Sum credits per category for the revenue check, debits per category for the expense check. 3-decimal KWD totals reconcile to the fil against the client's trial balance.
Export to QuickBooks, Zoho Books, or Xero
Standard CSV columns import directly. Re-categorisation in the accounting tool takes minutes — the source labels Kashfbank preserves give you full audit trail back to the NBK PDF.
Common challenges
Does Kashfbank handle KWD's 3-decimal places?
Yes. Every figure preserves all three decimals. This is essential for trial balance reconciliation against the client's books — even a single fil mismatch blocks a clean close.
Can I bulk-convert multiple clients' statements in one session?
Yes. Each PDF is processed independently and tagged with its source filename. You can convert 10–20 NBK PDFs for different clients in a session and download each as a separate CSV.
Do the original Arabic descriptions survive into the CSV?
Yes. The Description column preserves the original Arabic narration alongside any English label. SWIFT BICs, KNet merchant strings, and "تحويل آلي" internal labels all carry through.
What about scanned NBK statements from older accounts?
Modern NBK statements are text-layer PDFs. Older scanned PDFs (pre-2015) sometimes have lower OCR confidence; Kashfbank flags low-confidence rows in the output for manual review against the source page.
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Regulator: Central Bank of Kuwait (CBK)
Fiscal year: Apr 1 – Mar 31 (government); Jan–Dec (private sector)
Full country guide →Statement language: Arabic / English