is nordvpn legal in uae? Here are the facts.

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Nordvpn is a widely used VPN app in the world and the Middle East, including the United Arab Emirates. Generally, people use the VPN in the gulf countries to access the restricted websites and purchases the items which are not locally available. Today in this post I would like to make you clear on this issue “is Nordvpn legal in the UAE?”

How does Nordvpn work in UAE?

  1. When you access internet services with Nordvpn it routes your internet traffic through a remote server and hides your Ip address.
  2. It encrypts all incoming and outgoing data.
  3. NordVPN uses the technologies OpenVPN and Internet Key Exchange v2 / IPsec in its applications.

How can you use the Nordvpn?

  • You can use it on android and ISO devices.
  • Linux, and macOS, Windows desktop applications available.
  • If you are using google chrome or Firefox browsers can use its extension.

 Is Nordvpn legal in UAE?

Before I give you the answer “Yes” or “No” let me the explaining here what is the UAE law has stated. The UAE government passed a cybercrime regulation in 2012, there are many restrictions that have been imposed on the internet to protect the country from the information technology crime.

However, the amended federal law No 12, 2016 has made clear that residents of UAE and business using the VPN to go online is a crime. Articles 1, cybercrime law 2016 has defined the punishment as following;

  • Any person who bypasses the Internet protocol address by using a delusive address for the purpose of committing or preventing the discovery of a crime shall be punished by imprisonment or
  • fine, not less than (AED 150.000) and not more than (AED 500.000) or any of these penalties.
  • Anyone who did the crime by using the VPN punishment will increase from the primary ranges and The new fine will be  AED500,000 AED2,000,000.

The cybercrime law in the UAE is very strict and does not allow individuals and businesses to connect VPN to their network, but, the banks, financial institutions, and the other organization use the VPN to secure their privacy. The Etisalat and Du also allow the organization to integrate the VPN devices in the local connection.

Not only the organizations but also the UAE residents who use the VPN, the number is enormous. Although the number of VPN users in the country is high, no action has been taken unless they fall into the crime.

You might already get my answer to your question of whether Nordvpn is legal or illegal in the UAE.

The cybercrime law has not granted any special privileges to the Nordvpn and it users but you can use it without manipulating the VPN services for malicious activities.

Is nordvpn legal in uae?

  • Using the Nordvpn for legitimate purposes, would not constitute a crime
  • manipulating internet protocols with the intent to commit any fraud or crime is illegal
  • Accessing the nefarious content likely to damage the community eg. recruitment videos for terrorist groups will bring severe consequences.
  •  accessing foreign TV series that are not yet available in the UAE eg. the latest series of Game of Thrones is aslo punishable.
  • Using the VPN for calling apps such as Skype, Viber, and others apps will not stipulate cybercrime. Although the law has not mentioned these activities can tolerate.

Industrial Security Specialist Duties and responsibilities

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Industrial Security Specialist is a profession to deal with the security relates matter in an organization. Today’s world the security personnel are supplied by the private’s security firm but the organization also establishes an internal security department where security manager and industrial security specialist may consist.

On the other hand, small organizations often rely on private security firms for the security industry specialists’ services without establishing their own security department. Doing so, they can save on the operating cost of the security system in the organization.

Whether you are working in-house or from the private’s security firm you will take similar responsibilities for the Industrial Security Specialist services.

Require for Industrial security specialist?

  • Bachelor’s degree in a relevant field.
  • Excellent understanding of security systems.
  • Minimum of 5 years’ experience in managing security operations.
  • Handling ability of the security operation to the multiple locations
  • Excellent communication skills.
  • Ability to run different reports as required.

Your duties may vary Depending on the size of the organization, product sensitivities, organization’s security risk, and specific site policy. The common duties of security industry specialists are as follows;

Industrial Security Specialist Duties

  • Manage and oversee the security operation in the organization.
  • Play a collaborative role with different security vendors or service providers and manage their performance.
  • Maintain an effective integrated security system within the organization. Support for the hardware or software team if they need to carry out the maintenance work.
  • Manage the performance of security personnel on the grounds.
  • Review the security operations, identify gaps and propose resolutions
  • Visit the area of the responsibilities and inspect security personnel on Duty.
  • Depending on the clients’ or organization’s needs, develop the security process and procedures.
  • Ensure that the company’s safety and security plan complies with the requirements of local authorities.
  • Deal with the government department which oversees the security regulation of the country.
  • Review all the integrated systems including CCTV, alarm, sensor, and fire fighting equipment and purpose for any enhancement required.
  • Make sure the access control systems are working properly and procedures have been followed by security personnel and other employees.
  • Developed and manage access control reports.
  • Provide technical solutions and recommendations to the clients or the organization for mitigating the risk and threat.
  • Identify the security personnel capabilities for the real-time response and recommend if any training requires.
  • Coordinate with client internal departments and stakeholders.
  • Preparing reports as per client requirements.
  • Informs the employees about Quality, Environmental, Safety, and Occupational Health Policies and ensures continued compliance with these requirements.
  • Perform other duties as assigned by the line manager/supervisor.

Conclusion: Industrial Security Specialist evaluates the current security situation of the specific site and recommends improvements and add-ons. Only the person who is highly experienced in the security field or the relevant degree can obtain the roles because most of the security plan may depend on the security specialist recommendation.

Richest man in dubai and other top billionaires.

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Dubai is one of the well-known cities in the world for business and tourist destinations. It is the city where most of the richest people in the UAE live here permanently. Today in this post, we will explain the richest man in Dubai for the year 2020.

Although the number of largest businesses is owned by royal families, the richest man in Dubai is not part of the royal background. By 2020, there are 24 billionaires in UAE with two young entrepreneurs.  Among the richest, 17 are foreign nationals and residents of the United Arab Emirates.

The richest man in Dubai

  1. Majid Al Futtaim;

He is the richest person in Dubai and UAE. Born as Emirati and permanent resident of Dubai has operated the business under it own name formally known as MAF ( Majid Al Futtaim) group. The group has operated mainly three-sector: mall, retail, and leisure establishment. There are three subsidiaries business network;

  • Majid Al Futtaim properties
  • MAF retail and
  • Majid Al Futtaim ventures

The group has operated in several business establishments in UAE, Lebanon, Egypt, Saudi Arabia, Oman, Bahrain, Kuwait, Qatar, Jordan, Pakistan, Iraq, Armenia, and Georgia. Although his wealth has now slipped from 10.6 to 8.9 billion still he is the richest man in Dubai and UAE.

2. Mohammed Khalaf Al Habtoor;

Born in 1968 in the largest business families in Dubai. Mohammed Khalaf inherited his father’s business Al Habtoor Group.

The group is the largest conglomerate operated in the UAE and the middle east. The founding father of the Al Habtoor group who is the father of Mohammed Khalaf was a prominent business person, investor, and vice-chairman of the Al Habtoor group.

Mohammed Khalaf diversified the business into a variety of the business including real estate, hotels, education, insurance, hospitality, automotive, and publishing industry. His wealth increased by 11 percent, earning a total wealth of 7.2 billion in 2020.

The growth of the Al Habtoor Group was incredible while Mr. Khalaf created the major revenue-generating organizations, Al Habtoor City, Polo resort & club, and Waldorf Astoria Dubai Palm Jumeirah.

3. MA Yusuffali;

He is an Indian businessman and resident of UAE started his own business lunching lulu hypermarket in 1990. The LuLu hypermarket chain is the subsidiary of the LuLu group was founded by his parental uncle in Abu Dhabi.

MA Yusuffali ranked at the 20th richest persons in India and 270th place in the world. He has owned the share capital of international organization and infrastructure some of them are 4.99% Stake in Thrissur-based Catholic Syrian Bank (CSB) and 4.47% stake in the Aluva-based Federal Bank.

MA Yusuffali has owned the Scotland Yard Building in London. 9.37% share at cochin international airport India, 10% share in UK based east Indian companies. MA also the owner of the LULU Bolghatty international convention center on Bolghatty Island.

It is one of the largest convention centers in South Asia, along with the third-largest Grand Hyatt branded hotel.

In 2020, his wealth has shrunk 9% his current aggregate wealth is 5.2 billion.

4. Vinod Shantilal Adani;

He is another Indian businessman and ranks 4 among the top ten wealthiest people in Dubai.

Vinod is the owner of Trident Trade and Investment, Pride Trade and Investment, Radiant Trade and Investment, Ventura Trade & Investment, Adani Power Pte Ltd, Adani Shipping and Adani Power (Overseas) Limited, Adani Global Ltd, Adani Enterprises, Adani Global FZE, and Adani Bunkering private limited.

In the first quarter of 2020, he was the only one who did not suffer and his fortune soared 54 percent and his wealth reach up to USD 4.3 billion.

5. Micky Jagtiani;

He was born in Kuwait in 1952 and came to Dubai after gulf war flared up in Kuwait. Micky established the landmark store in Dubai and expanded the business thereafter.

Landmark Group has expanded into the Middle East and Southeast Asia in the sectors of fashion, electronics, furnishing, and budget hotels.

It has over 45000 employees and over 1000 stores in the Persian Gulf region, the Middle East, and India.

Since falling 5% less than in the previous year, his net wealth remains 4.2 billion in 2020.

6. Sunny Varkey;

Although Sunny Varkey born in India he is a leading academic entrepreneur and philanthropist in the world. His career and entrepreneurship started in Dubai since 1977.

He is the owner of the GEMS(global advisory and educational management) it is the largest operator of kindergarten to grade 12 schools in the world.

His education firm GEMS has operated 130 schools with dozen of the schools in UAE, Kenya, Uganda, Egypt, Jordan, Libya, Singapore, the U.S., Switzerland, and elsewhere around the globe.

His net worth was 3 billion in 2020 and growth exceeded 15% compared to previous years.

7. Divyank Turakhia;

Raised in India back in 1982, he is the youngest multimillionaire in the UAE and India. He is the founder of MediaNet. Professionally he is a computer programmer, businessman, and a variety of business network operators. In 2020, his net wealth is 1.9 billion increased by 15% comparing 2019.

8. Philip Day;

As the son of the British parents, He was born in Dubai. His father was the Dubai businessman and CEO of The Edinburgh Woolen Mill Group.

The group has many brands including Austin Reed, Jane Norman, Jaeger, Peacocks. The Philip day is the owner of the woolen mill group that has owned the other high-street retailers in the world.

His net wealth in 2020 is 1.9 billion, but a 15 percent decline from last year.

9.  Shamsheer Vayalil;

Born in 1977 in India a radiologist became the prominent business person in the health care sector. He is the founder and chairperson of VPS Healthcare Group and vice president of the Amanat holding a healthcare and education company.

His net wealth in 2020 is 1.9 billion and there is not reveled of decreasing and increasing rate.

10. Feroz Allana;

He is the co-founder of the Allan group that produce and supply the fast-moving consumer goods (FMCG). Although he lives in Dubai, his firm’s headquarters in Sharjah a neighboring Dubai state.

Allan group offers various products including frozen foods, oils, and institutional services. Some popular brands of the Allan group are Al Baker, London Dairy, Noor, Tiffany, Rahma, Khaleej, and Igloo, etc.

His net wealth boosts the growth of 25% and the now total worth of 1,7 billion.

compensation for occupational injuries in the UAE

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The UAE labor law has explained the compensation for occupational injuries in chapter 8, articles 142 to 153. It has clearly stated all forth going procedure when the worker gets sustain injuries or occupational diseases.

After reading these chapters of  UAE lobour law I would like to explain some of the important points that every employee should remember or understand what will happen when they expose risk and or danger in the workplace.

The process of compensation for occupation injuries.

  1. If any employee injures or infected from the occupational disease or injured the employer or representative should immediately inform the police or labor department or the local office jurisdiction where the organization has located.
  2. The information should include the name of the worker, age, nationality, occupation, address, types of the accident, and first aid or medical treatment that have provided.
  3. upon receiving the report the police will carry out the investigation, they can take the statement of the employer, witnesses, and the injured person (if applicable). The police report will be sent to the labor department and a copy for the employer. Police officers will conclude whether the incident was deliberately or employees’ misconduct such as employees had drunk alcohol or other narcotic drugs on duty.
  4. The labor department can request the supplementary inquiry or may conduct one if needed.
  5. If the employee is hospitalized and he or she could not go to the bank the company should pay a full salary in cash if they have injured in the workplace. The employees will get full pay until 6 months and half-pay until it recovery, disabled, or die.
  6. The company has to pay for all the treatment expenses whether in private or government hospitals including surgical operations, x-ray, and medical diagnoses.
  7. The company also needs to cover all the expenses including the purchase of drugs and rehabilitation equipment, in addition, artificial limbs and other prosthetic appliances if anyone needed cause of the injury.
  8. The employer should pay the transportation expenses or arrange own transport for sending him or her to the hospital for further check-up.
  9.  The cash allowances should equal to the employee’s basic salary.

What will happen if the employee permanently disabled?

  1. The doctor sends a report for the employer and employee on the completion of the treatment. The report may specify the nature of the injury, a period of treatment, the next follow up date, and the result of cured, partial, or permanent disability.
  2. If the worker died cause of the workplace accident or occupation diseases the member family will entitle the compensation equal to the basic salary of 24 months. For example; the worker last receives a basic salary was AED 1000 the compensation will calculate 1000× 24 months = AED 24,000. However, there is a limitation the compensation should not pay less than 18 months, and the amount not more than AED 35,0000.

Who will receive the compensation amount? 

The following members of the disease family wholly or substantially dependent on the dead worker’s income at the time of his death.

  1.  Widows
  2. Children
  3. The son who is under the age of 17 but if he is enrolled in educational instruction under the age of 24 is entitled to receive the compensation.  “Son” also refer to the son in law of the husband and wife if they are dependent on the income of the deceased worker.
  4. An unmarried daughter or unmarried daughter in law of both husband or wife also entitled to the compensation claim.

When the person is partially or completely disabled, what is the compensation?

  1. If the worker renders the permanently partial disable cause of the work-related injury or occupational diseases he will entitle the compensation as applicable rate depending on the severity.
  2. The worker who permanently totally disabled the cause of the workplace accident or disease will entitle the compensation equal to the deceased worker. The compensation rate of the totally disabled and dead worker is equal.

Compensation does not entitle in the following condition;

The employer no need to pay compensation to the employee who got partial or totally disable but did not result in death.

  1. Injury for the purpose of suicide, or compensation or sick leave.
  2. At the time of the occurrence, he was under the influence of a narcotic drug or alcohol.
  3. Intentionally violated the safety instructions posted at conspicuous positions in the workplace.
  4. He refused for no good reason to submit to a medical examination or

Under these above circumstances, the employer does not require to provide treatment for the worker or to pay him any cash allowance.

What is the policy of dispute arise?

It is normal here the dispute arises between the worker and the employee on the matter of worker physical fitness for the resumption of work, degree of disability, and other matters of injury and treatment. If there is the dispute the legal way to seek a solution is;

  • The dispute should refer to the ministry of labor and ministry of health.
  • The health ministry will set up a board consisting of three government agencies medical officer to determine the extent of the worker’s medical fitness for employment.
  • Board also determine the degree of his disability or any other the matter related to the injury or treatment
  • For determining the facts the board can take the assistance of the expert.
  • Their decision will be the final and shall submit to the labour department in order to measure necessary for the implementation.

Where does compensation for occupational injuries cover?

The workmen’s compensation will cover the accident in the workplace, traveling from accommodation to duty place and back to the home.

At The End: Most of the companies in the UAE insured every employee for compensation for occupational injuries. If any misery happened to the worker’s health or life the companies will pay the compensation because the social Security Disability Insurance will cover the cost, but, it could take time.

What are the emirates silver benefits for customers?

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A loyalty program named Emirates Skyward Partners has been developed by Emirates Airlines in partnership with Fly Dubai and QANTAS Airlines. Silver members of Emirates Airlines who fly with Emirates and its partner airlines will be eligible for Emirates Silver Benefits.

It is a loyalty program that allows members to earn and redeem Skywards Miles for various rewards, including flights, upgrades, and more.

The program typically offers different tiers of membership, including Blue, Silver, Gold, and Platinum, with each tier providing its own set of benefits.

As of the last update, here are some of the benefits associated with Emirates Silver membership:

How to achieve Emirates Silver?

The customer earning 25,000 miles skywards through flights or completing 25 Emirates or flyDubai flights will have their account upgraded from blue to Emirates silver.

Emirates Silver benefits;

  1. Book online flights or upgrade your membership through Skyward rewards.
  2. Access to the promotion and travel exclusive. Your membership page displays the current offer and the locations. You can grab an opportunity if you are traveling to the same country and area.
  3. The benefits of the unique discount are to earn more skywards when you book hotels, flights, and tickets for other social events via the Emirates partner network worldwide.
  4. You can nominate your college or partner as a travel coordinator they can buy tickets and travel packages for you.
  5. Your preferences will be considered in the next flights. When you complete your preference pages your next flight will be arranged as per your wish.
  6. Emirates Silver membership offers you to complimentary seat selection opportunity. If you don’t like the rear or center seat can choose a window seat or any other.
  7. You can take 12kg excess baggage than other passengers on the flight.
  8. waitlist priority over other customers.
  9. 25% more skyward miles on each flight that you make with Emirates or flydubai flight.
  10. You can buy the upgrade from the Emirates’ silver tier to gold.
  11. The silver member will check in at counter 1 at Dubai International Airport terminal 3. It is the boarding priority, you do not need to stay in a long queue when you check in at the business class counter.
  12.   Although you are flying in economy class, you will enjoy the business class lounge in Dubai.
  13.  Can access the first-class lounge if you pay extra.
  14. Onboard you can get discounted WiFi
  15.  Special member offers in your destination with Emirates partner network including, hire taxi, car, tour packages, and a hotel night at a discounted price.

Benefits with flyDubai

  1. Get the 25% reward miles on each flight with Flydubai.
  2. Check-in with the business class counters although flight at economic class.

My final thoughts: Skywards Silver literally not bad because it offers various benefits to enjoy on the flights. Although you are not constantly taking flight for your travel you can upgrade the skyward tier from blue to silver instantly when you purchase. You can access all the Emirates’ blue tier benefits along with Emirates’ silver benefits.

Sick leave uae, everbody should know about this.

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Most of the labor-related cases in the United Arab Emirates are governed by Federal Law No 8, For 1980, on the Regulation of Labor Relations. As per the UAE labour law, an employee has the right to take sick leave UAE if he or she is unable to perform duty due to the illness.

UAE Labour law sick leave Provision;

Article 82: stated that a worker who has fallen ill should report to the employer within 2 days and the employer is responsible for taking him to the hospital or medical institution to identify his illness.

Articles 83: has clarified the circumstances under which the employees will entitle sick leave-in UAE and not. Here are some important points every employee in the UAE must know to assert their Labour right against the ill-intended employers.

  • You will not entitle to the sick leave under the probation period.
  • The probation period will be six months from the date you joined the company.
  • The employees are entitled to sick leave not more than 90 days annually.
    1. The first 15 days: with full pay.
    2.  The next 30 days: with half pay.
    3. Any subsequent periods: without pay.
    4. Sick leave will go up to 90 days not more than that.

Articles 84: Employees will not pay salary under the following conditions

  1. The wage will not pay if the illness is a direct result of worker misconduct including;
    • Fall sick causes of alcohol
    • Become sick due to the consumption of narcotic drugs, etc.

Articles 85: terminations of contract from the employer;

  1. If you are unable to report back to work after your leave under articles 82,83 and 84 of the labor law, the employer may terminate your contract. I would like to explain here that you took 90 days sick leave did not return to work because of the illness. Under this circumstance, your employer has the right to terminate of contract.
  2. In this case, the employer has to pay the severance or end service benefit in accordance with the Labour law.

Articles 86: Contract termination from the employee

  1. If the employee resigned before the 45 days of the illness the doctor should provide the medical cause an employer should accept it. The worker will entitle the wage due in respect of the remainder of the first 45 days referred to.

How does the UAE Labour law sick leave practices in the industries?

If the employees become ill, they call a supervisor or line manager to inform their condition. It is up to the company to send staff to the hospital. Some organizations arrange company transport, and some palace employees should go to see the doctor themselves.

The doctor issues a certificate of sick leave specifying how many days the patient needs to rest. When the employee comes back to work he/she submits the Sick leave certificate to the HR department.

You will take sick leave with full pay for 15 days a year and take half pay for 30 days, and no pay for 90 days. If an employer denies paying in accordance with labour law of UAE you have the right to complain against them to MOHRE.

If a discussion with your employer at the MOHRE (Ministry Of Human Resource and Emiratisation) office is not amicable then the case can arbitrate to the labor court it will take a very long time.

Note: This sick leave policy in UAE is applicable only for the employees who have fallen sick when they are in the accommodation and not contracting the workplace injuries. If you are injured or exposed by the work-related disease there are other articles are involved. Click here for more

Conclusion: UAE is one of the countries where the labor law has followed much better than other gulf countries. Whether you are sick or not you should know your labor rights and learns how to complain to the labor ministry in this country. Most of the companies accept sick leave UAE and pay according to the labor law, but when the cure goes longer than expected companies want to come out of you.

 

Top foreign banks in Kuwait | Financial Market.

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Top foreign banks in Kuwait | Financial Market.

The Central bank of Kuwait is the government agency responsible for providing the operating license to foreign banks in the country. Although the central bank has some flexible policy to establish foreign bank’s branches, the majority of the foreign banks are from the GCC (Gulf cooperation countries). Here is a list of top foreign banks in Kuwait.

Top foreign banks in Kuwait

1.INDUSTRIAL AND COMMERCIAL BANK OF CHINA 

It is one of China’s multinational state banks established in 1984. Capital is sponsored by the ministry of finance and it has listed in both the Shanghai stock exchange and the stock exchange in Hong Kong.

The ICBC established it’s a first middle east branch in 2014 in Kuwait since it obtained an authorized operating license from the central bank of Kuwait.

Now, the bank has provided wholesale banking to the other financial institution and investment banking in Kuwait as well as in other countries in the Middle East.

Contact Information
  • Street Address: Al-Sour St., Al-Tijaria Tower, Al-Murqab, 7th & 8th Floor
  • Postal Address: P. O. Box: 5826, Safat 13059, State of Kuwait
  • Tel: (965) 22281777
  • Fax: (965) 22281799
  • Website

2. HSBC BANK 

It was the first British bank operated under the Name of the imperial bank in Kuwait in 1942, but, it pulled out its operation from Kuwait and re-established in 2005 after 34 yrs later.

HSBC (Hong Kong and Shanghai Banking Cooperation) is the British multinational financial company which has presented in 65 countries with 3900 offices around the world. The bank has divided into four categories

Contact Information

  • Retail Banking and Wealth Management
  • Commercial Banking
  • Global Banking and Markets
  •  Global Private Banking

The bank has listed Hong Kong, New York, Paris, and Bermuda stock exchanges with more than 200,000 shares holders in 129 countries.

Contact Information
  • Street address-Hamra Tower, Floor 37, Sharq
  • Postal address. O. Box: 1683, Safat 13017, State of Kuwait
  • Tel(965) 22230722
  • Fax(965) 22230733
  • Website

3. CITIBANK

It is one of the American international banks, established in 1812 in New York now it has operating 249 branches in 100 countries including Kuwait. It is the first western bank that established a branch in Kuwait.

City bank is celebrating 30th years of founding branch in the country and providing most innovative banking services across the middle east. It has a regional headquarters in Dubai.

Contact Information

Street Address: Gulf Road, Ahmad Tower, Sharq
Postal Address: P. O. Box: 26027, Safat 13121, State of Kuwait
Tel: (965) 22594000
Fax: (965) 22594002
Website

4.QATAR NATIONAL BANK

Qatar National Bank is one of the top commercial banks in the Gulf countries. Currently, it has subsidiary and associated spanning across the 31 countries including the continent of Asia, the Middle East, the EU, and Africa.

The bank is owned by the QNB Group in Qatar, which has many brands in the finance and industry sectors including QNB Capital, to corporate, government, and institutional clients within Qatar and globally.

Contact Information
  • Street Address: Ahmad Al-Jaber St., Al-Arabia Tower, Sharq
  • Postal Address: P. O. Box: 583, Dasman 15456, State of Kuwait
  • Tel: (965) 22997811 (965) 22997812
  • Fax: (965) 22997800
  • Website

5. FIRST ABU DHABI BANK

It is the largest bank of United Arab Emirates headquartered in Abu Dhabi and found in 2016 after merging the two largest banks of UAE First Gulf bank and national bank of Abu Dhabi.

In 2019 it became the most profitable bank in the United Arab Emirates. It has operated branches in GCC (Gulf Cooperation Council) countries.

Since 2006 as the name of the National bank of Abudhabi FAB has been providing corporate investment banking in Kuwait.

Contact Information

  • Street Address Ahmed Al-Jaber, Al Bahar Towers, Sharq
  • Postal Address: P. O. Box: 2620, Safat 13027, State of Kuwait
  • Tel: (965) 22477173 (965) 22477174
    Fax: (965) 22495196
  • Website

6. AL-RAJHI BANK

Al Rajhi is the world-leading Islamic bank founded in Saudi Arabia in 1957. The bank is listed in the London stock and Saudi Arabia  Stock market.

It has been providing a variety of financial services including; deposits, loans, investment advice, securities trading, remittances, credit cards, and consumer financing in Kuwait.

As being the Islamic finance, all of its services go through the Islamic requirement. The bank has almost 600 branches primarily in the Kindom of Saudi Arabia including  Kuwait, and Jordan, and Malaysia.

Contact Information
  • Street Address: Arabian Gulf Road, Ahmad Tower, Ground Floor & Mezzanine, Sharq
  • Postal Address: P. O. Box: 5248, Safat 13053, State of Kuwait
  • Tel:(965) 24954300
  • Fax: (965) 24954301
  • Website

7.Abu Dhabi Commercial bank

It is also a UAE bank that has branches in Kuwait. In terms of the balance sheet, it is a third-largest commercial bank in the United Arab Emirates. The Abudhabi government held 62% share and others from the general public.

Its international operation has reached from GCC to the USA, Singapore, London, and India. Since it was a merger with Union Bank of UAE the international presents have been rapidly growing toward Asian emerging market.

Contact Information

  • Street Address: Ahmed Al-Jaber, Dar Al-Awadi, Building No. 5, Sharq
  • Postal Address: P. O. Box: 29615, Safat 13157, State of Kuwait
  • Tel: (965) 22950500
  • Fax: (965) 22950501
  • Website

8. MASHREQ BANK 

It is a top-performing bank in GCC and international banking and financial services, providers. The bank founded in 1967 in Dubai currently it has international branches including the middle east, Asia, Africa, and the EU.

In Kuwait, the banks provide similar services of UAE including personal finance, corporate finance, and investment banking.

Contact Information
  • Street Address: Ahmad Al-Jaber, Loa loa Tower, Qibla
  • Postal Address: P. O. Box: 461, Dasman 15455, State of Kuwait
  • Tel: (965) 24954899
  • Fax: (965) 24954861 (965) 24954862
  • Website

9. BANK MUSCAT 

This is an Omani bank in Kuwait that provides retail banking, investment banking, corporate banking, private, and asset management services. The bank has representative offices in Singapore Dubai, UAE, and the full flex branch in Saudi Arabia, Kuwait.

It has won the award as the best bank in Oman continuously 9 years from the  Global Finance and Euro money. Although the bank has not a large international network it has more than 150 branches across Oman.

Contact Information

  • Street Address: Fahad Al-Salem St., Al Safat Tower, Floor 1M & 2, Kuwait City
  • Postal Address: P. O. Box: 866, Souk Al-Dakhly 15259, State of Kuwait
  • Tel: (965) 22921133
  • Fax: (965) 22921134
  • Website

10. DOHA BANK

It is another Qatari bank that has present in Kuwait following the QNB. It is the most rated bank in Qatar and has a rapid explanation history since it established in 1979.

The bank provides international and domestic financial services to the individual and organizations. It has fully operational global branches in Kuwait, Dubai (UAE), Abu Dhabi (UAE), Mumbai, Chennai, and Kochi (India).

The representative offices of this bank have spread Including Japan, China, Singapore, Hong Kong, South Africa, South Korea, Australia, Turkey, the United Kingdom, Canada, Germany, Bangladesh, Sri Lanka, and Nepal.

Contact Information
  • Street Address: Ahmad Al-Jaber St., Al-Sarraf Tower, Sharq
  • Postal Address: P. O. Box: 506, Safat 13006, State of Kuwait
  • Tel: (965) 22415544, (965) 22416647, (965) 22974300
  • Fax: (965) 22416634
  • Website

Wrapping up: Although Kuwait has not held many international banks’ branches these above-listed are top foreign banks in Kuwait out of 12 have licensed from the central bank of Kuwait.

Top security companies in Kuwait.

Is Emirates Skywards Partners Any Good?

Ranga Singh
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Emirates skywards partners program is a customer loyalty product of the UAE leading airline companies Emirate Airline and flydubai. These program has brought together a partnership between the two airlines to make passenger regular customers.

Customers flying whether Emirates or Fly Dubai will reward skywards miles that can spend for multipurpose. There’s a four-level of skywards, where you’ll benefit more as you upgrade your level.

How to achieve a higher tier of Skywards? 

You should do nothing than flying via the emirates or flydubai your tier will be upgraded automatically base on 2 factors;

  1. Earn the required Tier Miles by traveling with Emirates airline or Flydubai
  2. Complete the required numbers of Emirates or FlyDubai flights.

How to sign up skywards partners?

Just visit the emirates airlines official website or flyDubai and go over the loyalty option then click, You need to provide your personal detail for creating the account along with verifying your registration by clicking the link that has sent into your mailbox.

Emirates skywards partners’ tiers and benefits

  1. Emirates skyward blue

When you sign up, you will get this badge with a warm welcome email. You can take advantage of upgrading your tier through earning the mileages. Each flight when you check-in at the airport the miles will be added automatically and, the number of flights starts to count.

In addition, business class lounges will be given to you and your guest in Dubai. If you’re traveling in a VIP or business class, the ultimate free WiFi is available.

2.  emirates skywards silver benefits

This is the second tier, which offers additional benefits along with the emirates blue tier membership. I mean, you can access all of the blue level benefits, in addition, the silver provides you 25% bonus miles on each flight that you take from the day your account received the silver badge.

To became the emirates, skywards silver member, you should complete whether 25 flights or earn 25,000 tier miles through your flights.

3. emirates skywards gold benefits

As I said before, more benefits on the higher tier membership this is the golden chances to enjoy the golden advantages but not easy to received these badges. The customer will remain on silver until they reach 50,000 tier miles or completion of the 50 number of flights.

When you reach this level you can expect to access all blue and silver tiers benefits, in addition, 50% bonus mileages each onward flights that you make. Other most interesting things are free WIFI on board and complementary economic class seat selection option.

Look if you are traveling through economic class and do not prefer seat you can make a request to change your seat. The seat will not be exchanged but you can select another seat even though has already booked. The emirates flight team will adjust with other passengers for making you happy.

4. emirates skywards platinum benefits

This level is the king of the loyalty program, believe that you always travel in Emirate or flydubai as a king when you have skywards platinum membership. To become a member of this level, your flight’s number will not count, only can secure through achieving the 150,000 tier mileages.

Platinum members can access all the benefits that have offered to blue, silver, and gold. Additional benefits are;

  • First-class check-in
  • Baggages delivery
  • You and your friends will enjoy the business class lounge in Emirates and elsewhere in the world.
  • 75% bonus on the skyward miles.
  • When you travel together, your guest or partner will benefit from gold tier membership.

Where to spend your skywards miles?

Miles can not convert into cash but it works like real money. You can buy a ticket with emirates airline, flydubai as well as the emirates partner airline worldwide. Like digital money, it works to buy the ticket of any sporting events, Can spend for luxury hotel stays, fun-filled family days out, and wide ranges of cultural events worldwide.

How long are the skywards miles valid?

I think there is a lot of time for you to save your milages for spending on your preferable events. Miles are valid for three years from the day you started your journey as a member of the Emirates Airlines and Flydubai.

Is Emirates Skywards Partners worthy?

You might already guess my answer right? Yes, of course, the Emirates Skywards partners program is not only worthy but also more worthy for people who constantly take a flight for the travel.

Although you do not take more flights, you can participate in this program if you make a few flights in a year. The point is here you can save little bucks on each flight with these airlines. Saving is not a bad thing, isn’t it?

Not everyone can receive gold or platinum membership, but reaching the silver could be the best flying experience with this incredible airline in the world.

Conclusion: Emirates membership is a good program aimed for customers who have to make constant flights for business or private travel. You can save some money as a milage on each flight. if you think the milages are nothing, okay, but other benefits make you the best travel experience including, free wifi, business class lounge and seat selection, etc.

If you do not make a single flight in years, it is not valued, but you do some flights, then take part in this program to enjoy extra privileges than the other passengers. The Emirates airline is a little expensive, or you didn’t get a ticket, there’s the option to flydubai, which is a budget airline, and this program also works with it.

You may interest?

Top remittance companies in the UAE

 

MoneyGram Nepal: Exchange Rates, Partner Networks, and Payment Options

Ranga Singh
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MoneyGram Nepal: Exchange Rates, Partner Networks, and Payment Options

Although MoneyGram Nepal does not operate independent offices it has partnered with several local remittance companies and banks to ensure recipients can easily receive their funds. This article will explore how MoneyGram Nepal operates and how recipients can access their money.

MoneyGram is a global leader in money transfer and payment services and was established in 1940. Since its inception, has been at the forefront of the money transfer industry worldwide.

I have been involved in the remittance business since 2001, holding agent licenses for almost all major remittance agencies active in the market. The unstoppable growth of cross-border remittance services can be attributed mainly to globalization.

Nepal ranks as the fourth-largest labor-exporting country within the South Asian Association for Regional Cooperation (SAARC), with billions of dollars flowing into the country through global remittance services annually.

The continuous increase in inward remittances has led to the rise of numerous local remittance companies. As of now, the Central Bank of Nepal has approved 24 local remittance companies.

However, these Nepali remittance companies generally lack the financial resources to open overseas offices in every country where people send money to Nepal. Only a few, such as IME, Prabhu, and Himal Remit, have established limited overseas offices.

To extend their services to areas where they lack a presence, many Nepalese remittance companies partner with international remittance organizations, with MoneyGram being a top choice.

It’s not just local remittance companies that have partnered with international entities. Nepal’s commercial banks have also joined hands with MoneyGram.

As you may already know, MoneyGram is a global powerhouse in cross-border money transfers and payment services, supporting over 200 countries.

In Nepal, MoneyGram has partnered with nearly all remittance companies, including IME and Samsara, as well as major commercial banks like Global IME Bank, NIC Asia Bank, Citizen Bank, and many others.

 How to Receive Money via MoneyGram in Kathmandu?

If someone sends you money through MoneyGram from any country, the beneficiary can receive the funds in Kathmandu Valley or anywhere across Nepal through the following networks:

  1. IME: One of Nepal’s largest remittance companies, IME, is a MoneyGram partner. With over 25,000 IME counters and agents across the country, beneficiaries can easily pick up their cash.
  2. Samsara: Another well-known local remittance company, Samsara, is also a MoneyGram partner, with 7,500 agents and self-service counters throughout Nepal.
  3. Partner Banks: MoneyGram is also partnered with various “A”-class commercial and development banks in Nepal, allowing beneficiaries to collect money from banks such as:
      •  NIC Asia Bank Limited
      • Nepal Bangladesh Bank Limited
      • Agricultural Development Bank Ltd
      • Mahalaxmi Bikas Bank Ltd
      •  Nepal SBI Bank Ltd
      • Mega Bank Nepal Limited
      • Shangrila Development Bank Ltd
      • Gandaki Bikas Bank Limited
      • Machhapuchchhre Bank
      •  Laxmi Sunrise Bank Limited
      • Prabhu Bank Ltd
      • NMB Bank Limited
      • Global IME Bank Limited
      • Prime Commercial Bank Limited
      • Siddhartha Bank Limited

What is the MoneyGram Nepal Exchange Rate Today?

MoneyGram offers a competitive exchange rate in Nepal, usually the mid-market rate. If you want to check today’s MoneyGram exchange rate in Nepal, click here.

Can I Deposit Money Directly into a Beneficiary’s Bank Account in Nepal Through MoneyGram?

Yes, MoneyGram Nepal provides both cash pick-up and direct deposit services. You can easily deposit funds directly into a recipient’s bank account with any of the partner banks mentioned above.

How to Receive Money from MoneyGram in Nepal?

To withdraw MoneyGram funds in Nepal, simply visit any partner pay-out counter listed above. Provide your Transaction Control Number (TCN) and verify your identity using your citizenship ID or driving license, and you will receive your payment.

 How Long Does It Take for MoneyGram to Deliver Money in Nepal?

MoneyGram offers quick and efficient services. Once the sender has completed the transaction details, the recipient can withdraw the funds from any part of Nepal within just a few minutes.

 Conclusion:

While MoneyGram Nepal is an excellent service provider, it’s essential to compare the exchange rates and service charges with other remittance companies. Some may offer higher rates and lower fees, making them a better option for your needs.

List of remittance companies in Nepal

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