Kuwait Finance House is the world's second-oldest Islamic bank. Pull client wires out of your KFH PDF — without losing the Murabaha and Ijara labels that make it Sharia-compliant.
Convert your KFH statementKFH was founded in 1977 and remains Kuwait's flagship Sharia-compliant bank. If your current account is at KFH, your statement mixes inbound client wires alongside Murabaha installments ("قسط مرابحة"), Ijara lease payments ("إجارة"), Wakala investment movements, and KNet POS spend. Telling client income apart from financing-product entries is the first step in any freelance record.
Kuwait has no personal income tax, but you still need a clean income picture for visa renewals, SWIFT counterparty checks, and any cross-border filing in your client's jurisdiction. The converted CSV lets you isolate inbound transfers in minutes.
KFH issues a formal A4 bilingual PDF. The narration column carries the Islamic finance product type alongside the transaction reference. KWD figures run to three decimal places throughout. Investment account summaries sit on a separate page from current account transactions.
International client payments land with "حوالة دولية" or "تحويل وارد" plus the sender's SWIFT BIC. KNet POS purchases show as "POS-KNet-" with the merchant. Murabaha installments carry "قسط مرابحة" with your financing reference. Wakala profit distributions appear as "عوائد وكالة" — investment income, not freelance income.
Keep client wires separate from Islamic finance entries. Preserve 3-decimal KWD and original Arabic labels.
Formal A4 bilingual PDF. Islamic finance product type printed alongside transaction reference in narration column. KWD to 3 decimal places. Investment account summaries on a separate page from current account transactions. Multi-page statements include page subtotals.
| Label | Meaning |
|---|---|
| مرابحة | Murabaha (cost-plus financing repayment) |
| إجارة | Ijara (Islamic lease payment) |
| وكالة استثمارية | Wakala investment deposit |
| تورق | Tawarruq (cash finance) |
| راتب | Salary credit |
Rules in Kuwait differ — see our country guide
Download from KFH Online or KFH Mobile
Request a 12-month statement from the KFH Online portal or the KFH Mobile app. Save the PDF — bilingual A4 with Islamic finance labels is what Kashfbank expects.
Upload to Kashfbank
Drop the PDF in. Murabaha, Ijara, and Wakala labels survive into the export with their original Arabic intact.
Filter to inbound client payments
Sort by Category. Keep International Wire and Inbound Transfer. Drop everything tagged Murabaha, Ijara, or Wakala — those are financing products, not freelance income.
Export to Excel or CSV
Date, Description, Debit, Credit, Balance, Category drop straight into Zoho Books, QuickBooks, or Xero.
Common challenges
Does Kashfbank preserve Murabaha and Ijara labels?
Yes. "قسط مرابحة", "إجارة", and "عوائد وكالة" are kept exactly as they appear in the KFH narration. These get their 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. KFH issues all KWD figures with three decimals, and Kashfbank preserves every fil for accurate reconciliation against your invoices.
My KFH statement has a separate page for investment accounts. Does that come through?
Yes. The investment summary page is converted as its own section. Wakala balances and profit distributions are tagged separately from current account flows.
I receive USD payouts that arrive as KWD in my KFH 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.
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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