AUB Kuwait is a common choice for Kuwait freelancers — straightforward bilingual statements, clean WPS salary credits, and KNet POS spend in one stream. Convert the PDF and separate business income from personal spend.
Convert your AUB Kuwait statementAUB Kuwait's mid-market customer base includes salaried professionals running side businesses and full-time freelancers with mixed retainers and project work. The bilingual A4 statement is well-structured, with KWD to 3 decimals and clear debit/credit columns — exactly the data shape you need for bookkeeping.
The work is separating business inflows (Wise payouts, SWIFT wires, Payoneer transfers) from personal credits (salary, family transfers) and outflows (KNet groceries vs. KNet office supplies).
Your AUB Kuwait account holds everything in one stream. The CSV gives you a Category column you can filter — Income, Subscription, Transfer, Cash, Bill — to isolate the freelance lines.
Kuwait has no personal income tax. Your filing question is usually about a parent country (US, UK, India) or a residency status elsewhere. Either way, the CSV is what your accountant needs.
Pull every inbound client wire, every subscription debit, and every transfer fee. Keep the full Arabic narration.
Standard bilingual Arabic-English A4 PDF. Clearly labelled debit, credit, and balance columns in KWD to 3 decimal places. Monthly opening/closing balance and summary totals at statement top. Transaction narrations include branch codes, cheque refs, and online banking identifiers.
| Label | Meaning |
|---|---|
| راتب | Salary credit |
| شيك وارد | Cheque received |
| سحب ATM | ATM withdrawal |
| كي نت | KNet point-of-sale |
| رسوم بطاقة | Card fee |
Rules in Kuwait differ — see our country guide
Pull your last 12 months from AUB Kuwait 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. Branch codes stay inside 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.
Common challenges
I'm a Kuwait freelancer. Do I owe Kuwait personal income tax?
Kuwait has no personal income tax. Your tax question is usually about a client's country or your own residency elsewhere. The structured CSV is what your accountant or tax software needs.
Will Wise and Payoneer payouts show clearly?
Yes. Inbound wires arrive with the sender reference in the description. Kashfbank preserves the full Arabic and English narration so you can match each payout to a client invoice.
Can I separate family transfers from client income?
Kashfbank extracts everything; categorisation is yours. Filter by sender or wire type in the CSV — recurring family transfers are easy to isolate after the data is structured.
My AUB Kuwait statement is from 2019 and looks scanned. Will it convert?
Older scanned PDFs are extracted with lower confidence. Kashfbank flags low-confidence rows so you can spot-check against the source page before relying on the data.
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.
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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