SiDi FAQs

SiDi (Simply Digital) is a Digital Wallet with an IBAN number designed for non-Kuwaiti individuals with salaries of 400 KD and below.

Customer can transact through the SiDi Wallet application in easy and secure manner.

No, the following exceptions can’t open the account:

Kuwaiti Citizens
American Citizens and US residents
Minors under 18 years
Politically exposed Persons (PEPs) and their families up to second degree
Persons who are stateless (illegal residents – Bedoon)
Customers with monthly Salary above 400 KWD
Agents by general power of attorney

  1. Free digital wallet opening with no minimum balance requirement
  2. Fully digital onboarding journey with 24/7 accessibility with 6 easy steps in less than 5 minutes
  3. Free, fast, secure services digitally through SiDi App
  4. Free debit card that can be used anywhere in Kuwait and abroad as well as for online purchases.
  5. Hassle-free Salary Transfer service for customers to receive salaries in the SiDi wallet
  6. International remittance services that allow customers to transfer money home through the SiDi app.
  7. Transfer money instantly for other SiDi Wallet customers who have a SiDi wallet.
  8. Free mobile bill payments

1. Download the SiDi App from Google play store and Apple store

2. Register with Warba Bank and start the onboarding Journey  

After opening the digital wallet through the SiDi App, our staff will contact you and get the SiDi Wallet Opening Form signed by visiting your location.

The card will be delivered with the SiDi Wallet Opening Forms to the customers at their location.

You can set/reset the debit card PIN through SiDi app

All POS terminals where debit cards are accepted

You can withdraw cash from any ATM that accepts K-Net cards domestically and internationally

No minimum balance is required to open the SiDi Wallet

You can get your SiDi Wallet statement for Free through the SiDi app

You can update your Civil ID through SiDi App

Cash deposit is not available for SiDi customers, but they can use the other methods for depositing funds to the wallet mentioned in this document

● Request Money service through SiDi App (sender can pay using any K-Net card)
● Split Bill (customers can request money for split bills where Sender can pay using any K-Net card)
● Wallet to Wallet Transfer (transfer between the SiDi Wallet customers)
● Transfer from Warba Bank accounts (any existing Warba Bank customer can transfer to a SiDi customer)
● Transfer from Other Local Banks (Sender can transfer money from any Bank in Kuwait to the SiDi customer)

No, international transfers can be conducted directly using the SiDi app

● Super transfer service has a standard transaction fee of KD 2. This is waived by the Bank as a launch campaign for the first 6 months of the program
● Western Union service will charge the standard fee based on the pricing of Western Union. Warba Bank doesn’t charge any additional fee for the service in addition to the standard charged set by Western Union)

Service Name

Fees

Issuance of Debit Card

Free

Renewal of Debit Card

5 KWD

Mobile Bill Payments

Free

E-Vouchers

Free

Cash Withdrawal from Warba ATMs

Free

International Remittance – Super Transfer Service

Free (Campaign)

International Remittance – Western Union

1 – 8 KWD (depending on the transfer corridor as set by Western Union)

International Remittance Services (MasterSend & Western Union)

Limits

Min. remittance amount per transaction

10 KWD

Max. remittance amount per transaction

500 KWD

Max. accumulative amount remitted in a day

1,000 KWD

Max. remittance accumulative amount in a month

3,000 KWD

SiDi Debit Card

Limits

Min. amount spent per transaction (POS)

50 Fils

Max. amount spent per transaction (POS)

500 KWD

Max. accumulative amount spent per Day (POS)

1,000 KWD

Max. withdrawal amount per transaction (ATM)

500 KWD

Max. accumulative withdrawal amount per Day (ATM)

1,000 KWD

“Request Money” or “Split Bill”

Limits

Min. Top-up amount per transaction

1 KWD

Max. Top-up amount per transaction

150 KWD

Max. Accumulative Top-up amount per day

200 KWD

Max. Accumulative Top-up amount per month

1,000 KWD

Max number of Pay me links in a day

10

Max. number of Pay me links in a  month

20

SiDi Wallet to SiDi Wallet Transfers

Limits

Max. Wallet to Wane bander within Mows on PEP

100 KWD

Max. Accumulative Walled to Wallet transfer within 1 month on P2P

500 KWD

Incoming Bank Transfers to SiDi Wallet

Limits

Ma. Accumulative Transfer amount per mon.

1,000 KWD

Country

Currency

 Payout Channels

Australia

AUD

Bank to Bank

Bangladesh

BDT

Bank to Bank

Egypt

EGP

Bank to Bank

Austria

EUR

Bank to Bank

Belgium

EUR

Bank to Bank

Cyprus

EUR

Bank to Bank

Estonia

EUR

Bank to Bank

Finland

EUR

Bank to Bank

France

EUR

Bank to Bank

Germany

EUR

Bank to Bank

Greece

EUR

Bank to Bank

Ireland

EUR

Bank to Bank

Italy

EUR

Bank to Bank

Latvia

EUR

Bank to Bank

Lithuania

EUR

Bank to Bank

Luxembourg

EUR

Bank to Bank

Malta

EUR

Bank to Bank

Netherlands

EUR

Bank to Bank

Portugal

EUR

Bank to Bank

Slovak Republic

EUR

Bank to Bank

Slovenia

EUR

Bank to Bank

Spain

EUR

Bank to Bank

India

INR

Bank to Bank

Indonesia

IDR

Bank to Bank

Nepal

NPR

Bank to Bank

Pakistan

PKR

Bank to Bank

Pakistan

PKR

Mobile Wallet

Philippines

PHP

Bank to Bank

Philippines

PHP

Mobile Wallet

Sri Lanka

LKR

Bank to Bank

Thailand

THB

Bank to Bank

Turkey

TRY

Bank to Bank

United Kingdom

GBP

Bank to Bank

Yes, the SiDi App is a separate application from the Warba Bank App

SiDi app is available in 7 languages:

1. Arabic
2. English
3. Hindi
4. Tagalog
5. Tamil
6. Bangla
7. Urdu

You can request a “call back” option through the app or contact them through WhatsApp 22288886