Al-Jawhara from Al-Watani... Kuwait's largest bank draw 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 annual prize totals reaching KD 5 million. These include weekly and monthly draws, as well as three grand prizes, each valued at KD 1 million.
“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 diverse customer segments and encouraging the 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 KD 20,000, a monthly prize of KD 125,000, and a grand prize of KD 1 million, which is drawn three times annually.
In 2026, two winners of the KD 1 million prize were announced in the January and May draws, with the third winner to be announced in September.
National Bank 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 KD 1,000 each, and four winners receive KD 500 each. Additionally, they have the chance to win a KD 10,000 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 features, 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 and conditions.
In line with National Bank’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 can now also 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.
National Bank places the utmost importance on upholding the highest standards of integrity and transparency in all “Al Jawhara” and “Al Jawhara Junior” draws. Draws are conducted in the presence and under the supervision and monitoring of representatives from global audit firms Deloitte and Grant Thornton, ensuring the application of the highest governance and fairness standards throughout all draw stages.
National Bank also allows customers to follow all “Al Jawhara” and “Al Jawhara Junior” draws through its official social media accounts, ensuring customers are kept up-to-date with draw proceedings and winner announcements in a timely manner.
The bank is also committed to enhancing 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 KD 50,000 or more is ineligible to participate in any other draws for one full year from the date of their last win, thereby allowing the maximum number of customers the opportunity to win.
“Al Jawhara” continues to offer an integrated banking model that promotes a savings culture and provides customers with exceptional winning opportunities throughout the year, through Kuwait’s largest bank draw program and the highest annual prize value in the banking sector. The program also reflects National Bank’s dedication to providing innovative solutions that meet the needs of diverse customer segments, through a sophisticated digital banking experience and competitive benefits that make “Al Jawhara” one of the leading savings and prize programs in the Kuwaiti market.
