Terms and Conditions

1. Introduction

1.1 These terms and conditions (“T&C”) govern your use of Barq service (the “Service”), provided by Commercial Bank of Kuwait “AlTijari”.  By registering for and using the Service, you agree to be bound by these T&Cs.

2. Registration

2.1 In order to use the Service, you must first log in to your online banking or mobile banking account and then access "Barq" functions.

3. Barq Services

The Service consists of a range of functions including Alias Management, Funds Transfer, Request To Pay, and Request for Money Return, as explained below.

 3.1 Alias Functions

 Alias functions include Alias Registration, Alias De-Registration, Alias Suspension, and Alias Porting.

 3.2 Sending Funds

This service allows you to send funds to another customer in another bank, provided the receiver is registered in the service with an Alias, but it is not mandatory for you to be registered with an Alias if you wish to send funds.

Sending Limits are defined as follows:

  •   maximum amount that can be sent each day is KD 3,000/-
  •   maximum amount that can be sent each month is KD 20,000/-
  •   No limit on the number of transactions per day as long as the total amount is not exceeding KD 3,000/- in a single day.

3.3 Receiving Funds, also known as Request To Pay

 You can submit a request for funds from another customer. In this case, both sender and receiver must be registered with Aliases in the Barq service.

3.4 Request for Money Return

 If, for any reason, you wish to request a refund for funds that were already transferred, you may do so through the Request for Money Return function and within a period not exceeding 24 hours from the time of sending the funds. The receiver can respond to this request within a period not exceeding 7 days with either acceptance or rejection, without any liability or obligations on the receiver whatsoever in responding.  Money Return requests can only be made for the full amount sent, as it is not possible to request a partial refund of the sent amount at this stage.

4. General Provisions

4.1 Al Tijari reserves the right to modify, suspend, or terminate any of the Services and functions at any time without prior notice.

4.2 By using the Service, you agree to comply with all applicable laws and regulations, and all amendments thereto.

5. Data Privacy

5.1 Al Tijari value the privacy of your personal data and are committed to protecting it in accordance with relevant laws and regulations. Personal data is collected solely for the purpose of providing and improving the Service.  In order to execute any of the functions under the Barq Service, data is transmitted securely through a national hub operated and managed by KNET – The Shared Electronic Banking Service Company K.S.C.C.  Other than KNET, your data will not be shared with any other third party except with your explicit consent or when legal or regulatory authorities request it.

6. Disputes

6.1 Ttransfers executed within “Barq” are considered final and not subject to dispute. However, if you feel that your funds movements were not in line with your instructions or if you notice any suspicious activities on “Barq” in connection with your accounts, we encourage you to contact our customer support team for further assistance.

7. Contact Us

7.1 For any inquiries or assistance regarding the "Barq" Service, please contact our customer support team at 1888-225 or email cbkinq@cbk.com





1. Introduction

1.1These terms and conditions (“T&C”) govern your use of Barq service (the “Service”), provided by Commercial Bank of Kuwait “AlTijari”.   By registering for and using the Service, you agree to be bound by these T&Cs.

2. Registration

2.1In order to use the Service, you must first log in to your online banking or mobile banking account and then access "Barq" functions.

3. Barq Services

The Service consists of a range of functions including Alias Management, Funds Transfer, Request To Pay, and Request for Money Return, as explained below.

  3.1 Alias Functions

  Alias functions include Alias Registration, Alias De-Registration, Alias Suspension, and Alias Porting.

  3.2 Sending Funds

This service allows you to send funds to another customer in another bank, provided the receiver is registered in the service with an Alias, but it is not mandatory for you to be registered with an Alias if you wish to send funds.

Sending Limits are defined as follows:

§  maximum amount that can be sent each day is KD 3,000/-

§  maximum amount that can be sent each month is KD 20,000/-

§  No limit on the number of transactions per day as long as the total amount is not exceeding KD 3,000/-  in a single day.

3.3 Receiving Funds, also known as Request To Pay

  You can submit a request for funds from another customer. In this case, both sender and receiver must be registered with Aliases in the Barq service.

3.4 Request for Money Return

  If, for any reason, you wish to request a refund for funds that were already transferred, you may do so through the Request for Money Return function and within a period not exceeding 24 hours from the time of sending the funds. The receiver can respond to this request within a period not exceeding 7 days with either acceptance or rejection, without any liability or obligations on the receiver whatsoever in responding.  Money Return requests can only be made for the full amount sent, as it is not possible to request a partial refund of the sent amount at this stage.

4. General Provisions

4.1Al Tijari reserves the right to modify, suspend, or terminate any of the Services and functions at any time without prior notice.

4.2By using the Service, you agree to comply with all applicable laws and regulations, and all amendments thereto.

5. Data Privacy

5.1Al Tijari value the privacy of your personal data and are committed to protecting it in accordance with relevant laws and regulations. Personal data is collected solely for the purpose of providing and improving the Service.  In order to execute any of the functions under the Barq Service, data is transmitted securely through a national hub operated and managed by KNET – The Shared Electronic Banking Service Company K.S.C.C.  Other than KNET, your data will not be shared with any other third party except with your explicit consent or when legalor regulatoryauthorities request it.

6. Disputes.

6.1Ttransfers executed withinBarqare considered final and not subject to dispute. However, if you feel that your funds movements were not in line with your instructions or if you notice any suspicious activities on“Barq” in connection with your accounts, we encourage you to contact our customer support team for further assistance.

7. Contact Us

7.1For any inquiries or assistance regarding the "Barq" Service, please contact our customer support team at 1888-225 or email cbkinq@cbk.com