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Legal

What you're agreeing to. In full, before you agree to it.

Every document below is published on the site rather than inside the signup flow, in both languages, with an effective date and a version.

The four contracts (Aqad)Kafalah, Ijarah, Wakalah, Ujrah — and the Wa'd undertaking.
Terms of membershipWhat the membership is, what it costs, and how it ends.
Privacy noticeWhat we collect, why, how long we keep it, and your rights.
Cookie noticeWhat is set, what is optional, and how to change your mind.
Complaints and escalationOur process, our timescales, and the route to the Central Bank of Kuwait.

Registration with the Central Bank of Kuwait is in progress. We are not yet authorised to issue cards.

Our four-contract structure has been submitted to an independent Sharia Supervisory Board for ruling.

BIN sponsorship is under negotiation with a Visa principal member.

Depozit does not offer credit. There is no credit line, no revolving balance, and no interest charged or paid on any part of this product. The guarantee covers 90% of the KD 500 ceiling; the remaining KD 50 is the cardholder's own responsibility.