Al-Jawhara from Al-Watani: Kuwait's largest bank draws program
The “Al Jawhara” account from National Bank of Kuwait continues to solidify its position as the largest bank draw program of its kind in Kuwait, with total annual prizes amounting to 5 million Kuwaiti dinars. These include weekly and monthly draws, as well as three grand prizes, each valued at 1 million Kuwaiti dinars.
“Al Jawhara” is more than just a bank account; it combines exceptional cash rewards, flexible savings solutions, and a sophisticated digital experience, catering to the needs of various customer segments and encouraging a culture of saving and financial planning for the future.
The program features the largest and most diverse prize system in the Kuwaiti market, offering customers the chance to win a weekly prize of 20,000 Kuwaiti dinars, a monthly prize of 125,000 Kuwaiti dinars, and a grand prize of 1 million Kuwaiti dinars, which is drawn three times a year.
In 2026, two winners of the 1 million Kuwaiti dinar prize were announced in the January and May draws, with the third winner to be announced in September.
National Bank of Kuwait offers customers under the age of 21 the opportunity to win through the “Al Jawhara Junior” draw. This allows them to participate in a monthly draw for seven cash prizes: three winners receive 1,000 Kuwaiti dinars each, and four winners receive 500 Kuwaiti dinars each. Additionally, they have the chance to win a 10,000 Kuwaiti dinar cash prize with each draw for the grand prize of the “Al Jawhara” account, along with entry into all Al Jawhara draws.
For those looking to grow their savings while benefiting from the program’s advantages, the “Al Jawhara Savings” account offers a return of up to 1.5% during the first year, along with eligibility to enter the monthly and grand prize draws for the “Al Jawhara” account, subject to account terms.
“Al Jawhara Savings” combines the benefits of saving, competitive returns, and the chance to win major prizes, providing added value to customers and helping them achieve their future financial goals.
A Seamless Digital Experience
In line with National Bank of Kuwait’s commitment to providing an easy and advanced banking experience, customers can fully open “Al Jawhara” or “Al Jawhara Savings” accounts digitally through the National Mobile Banking app.
Non-customers of National Bank of Kuwait can also now open an “Al Jawhara” account directly via the app and enjoy all program benefits and available prizes, reflecting the bank’s direction toward providing more accessible, flexible, and inclusive digital banking services.
Transparency and Integrity
National Bank of Kuwait places the utmost importance on upholding the highest standards of integrity and transparency in all “Al Jawhara” and “Al Jawhara Junior” draws. The draws are conducted in the presence and under the supervision and monitoring of representatives from the global audit firms Deloitte and Grant Thornton, ensuring the application of the highest governance and fairness standards at all stages of the draws.
National Bank of Kuwait also allows customers to follow all “Al Jawhara” and “Al Jawhara Junior” draws through its official social media channels, demonstrating its commitment to keeping customers informed in real-time about draw proceedings and winners.
The bank also strives to enhance the principle of equal opportunity among customers. No winning customer enters any new draw for 90 working days from the date of their win. Furthermore, a winner of a single prize or a set of prizes totaling 50,000 Kuwaiti dinars or more is ineligible to participate in any other draws for a full year from the date of their last win, thereby allowing the largest possible number of customers the opportunity to win.
