QIB is Qatar's largest Islamic bank. Pull client wires out of your QIB PDF without losing the Murabaha, Ijara, and Wakala labels that make it Sharia-compliant.
Convert your QIB statementQIB was founded in 1982 as Qatar's first Islamic bank. Today it serves Qatari nationals and Muslim expatriates seeking Sharia-compliant banking — Murabaha financing, Ijara leasing, Wakala investment accounts. If your current account is at QIB, your statement mixes inbound client wires with Murabaha repayments, Ijara lease payments, Wakala profit distributions, and WPS-channelled salary if you also draw a separate income.
Qatar has no personal income tax, but freelancers still need a clean income record for visa renewals, SWIFT counterparty checks, and any cross-border filing in a client's jurisdiction. The converted CSV lets you isolate client revenue from financing-product entries and investment returns — three very different categories on the same statement.
QIB issues a formally structured bilingual A4 PDF. The Islamic product type is prominently labelled in the narration column. QAR balances update after each row. The account header shows IBAN, product type (Current, Savings-Mudaraba, Investment), statement period, and the customer segment. A Sharia board certification reference appears in the footer.
International client payments land as 'حوالة دولية' or 'تحويل فوري' with the sender's SWIFT BIC. Murabaha repayments carry 'مرابحة' with your financing reference. Ijara lease instalments appear as 'إجارة'. Wakala profit distributions appear as 'أرباح' — investment income, not freelance income, and often dated weeks after the transaction posts.
Keep client wires separate from Islamic finance entries and investment returns. Preserve the original Arabic labels and both posting and value dates on profit distributions.
Formally structured bilingual A4 PDF. Islamic product type prominently labeled in narration column. QAR balance updates after each row. Comprehensive account header: IBAN, product type (Current/Savings-Mudaraba/Investment), statement period, customer segment. Sharia board certification reference on footer.
| Label | Meaning |
|---|---|
| مرابحة | Murabaha financing repayment |
| إجارة | Ijara lease payment |
| وكالة | Wakala investment |
| راتب | Salary (WPS) |
| تحويل فوري | Instant transfer |
Rules in Qatar differ — see our country guide
Download from QIB Mobile
Open QIB Mobile or QIB Internet Banking, request a 12-month statement, and save the PDF. The bilingual A4 format with Islamic finance labels is what Kashfbank expects.
Upload to Kashfbank
Drop the PDF in. Murabaha, Ijara, Wakala, and Mudaraba labels survive into the export with their original Arabic intact. Both posting date and value date are preserved on profit distributions.
Filter to inbound client payments
Sort by Category. Keep International Wire and Inbound Transfer. Drop everything tagged Murabaha, Ijara, or Wakala — those are financing or investment, 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, Ijara, and Wakala labels?
Yes. 'مرابحة', 'إجارة', and 'أرباح' are kept exactly as they appear in the QIB narration. Each carries its own category tag so you can filter financing costs and investment returns out of freelance gross income.
Wakala profit distributions have a value date weeks after the posting date. Are both preserved?
Yes. The Kashfbank export keeps the posting date in the Date column and the value date in a separate field within the Description. This matters for revenue recognition timing if your accountant follows accrual rather than cash.
I am a self-employed freelancer in Qatar with a Self-Employment visa. Does QIB support this segment?
Yes. QIB supports freelance and self-employed account holders. The statement format is the same as a salaried current account. Kashfbank reads the inbound NAPS and SWIFT credits the same way — your freelance revenue is in the Credit column with the client name or sender BIC.
I receive USD payouts that arrive as QAR in my QIB account. Which amount goes in my records?
Both. The original USD figure from the SWIFT description is preserved alongside the QAR 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: Qatar Central Bank (QCB)
Fiscal year: Jan 1 – Dec 31
Full country guide →Statement language: Arabic / English