How can we help you today?

Opening an account

Nomo accounts are available to customers aged 16 or over. We don’t currently offer joint accounts. Nomo is currently only available to residents in Kuwait or the UK.

At the moment, Nomo is only available to residents in Kuwait or the UK. However, we plan to launch in plenty of countries globally in the future, and we will let you know when we do this. 

The application process is fast and simple.

Firstly, you need to download the Nomo app. You’ll find the app in the App Store on iOS.

Step 1 - Setting your preferences

When you begin your application, we will start by asking you to agree to our Terms & Conditions. We’ll then confirm your email address and mobile number.

We will also set up your account security by asking you to create an account passcode. You can also set up Face ID.

To do this, enter your number. We will send you an SMS with a 6-digit verification code. Simply enter this code in the app to verify your mobile number.

We recommend keeping notifications switched on so you can stay up to date with your account activity.

We also recommend keeping marketing communications switched on.

You'll need to create your own unique passcode for accessing your account and you can set up FaceID to make accessing the app even faster and more secure.

Next, you'll tell us how you would like to be addressed and where you're from.

Step 2 - Verify your identity

After this, we will ask you to verify your identity using your passport, and Civil ID (if you’re a Kuwaiti resident). Please note:

You must use an original physical passport when prompted to take a picture.

We can’t accept a previously taken picture of your passsport or a photo of another image.

The photo should be taken direct from your phone in colour.

We will also ask you to record a short video of yourself moving your head and saying some numbers. Our cutting-edge technology will automatically verify your identity.

Step 3 - Financial assessment

We need to learn about your income to check whether you qualify for a Nomo account.

We'll need a rough estimation of your total assets which you can tell us by picking the relevant options. Please be as detailed and comprehensive as possible. This information allows us to tailor your banking experience with Nomo.

For regulatory purposes, we need you to list the countries that you hold assets in as well as where you hold your bank accounts.

To help you get the most from Nomo, we will ask for the reason you're opening your account.

Step 4 - Tax details

You have to let us know which countries you are a tax resident in. This is usually the country where you live and pay taxes, although you might be considered a tax resident even in jurisdictions where you don't have to pay tax on your income.

We're required to record this to make sure all tax is reported.We will ask you for your unique tax number for every country that you pay tax in. For example, in Kuwait this is the number of your Civil ID card, and in the UK it is your National Insurance number.

Step 5 - Proof of address

Some key information from your Kuwaiti Civil ID is required. You will need to take a picture of the front and back of your ID card.

We can’t accept a previously taken picture of your Civil ID, or a photo of another image. You must use your original physical Civil ID when prompted to take a picture.

This should only take minutes, as we have powerful onboarding tools that can verify your details quickly.

Once we have completed the checks, you will then receive an push notification from us welcoming you to Nomo!

We will ask you to take a photo of your documents to verify your identity. These are:

  • Your passport

  • Your Civil ID (for Kuwaiti residents only)

These documents must be valid, so we cannot accept them if they are expired.

Plus, we need a new photo of your original, physical passport or Civil ID. We are unable to accept a picture of a picture of these documents - you must take a new photo of the real documents.

When you take the photos, please make sure that there is no glare and all the details are clear, and that you capture the entire photo page. 

Read our blog about how to correctly scan your passport and Civil ID here.

By following these guidelines, you can avoid problems with scanning your ID documents, and enjoy a seamless application process! 

If you are required to submit a certified document in order to complete your Nomo application, you will need to do the following:

  • A lawyer, notary, or barrister listed on Foreign & Commonwealth Office at www.gov.uk
  • List of Lawyers abroad or on the UK Law Society Find a Solicitor
  • An accountant who is a member of a recognised professional body such as ACCA, CPA or ICAEW
  • A consulate, embassy or high commission employee of the country of issue (acting in their official capacity

Make sure the document is fully in the frame and that you are not covering any details. The image should not be blurry or affected by glare or shadows. If you need additional support completing the verification process, please contact us so we can help.

Read our blog about how to correctly scan your passport and Civil ID here.

To verify your identity and to protect you from fraud, we require official government identification and a video of yourself so we know it’s you and that your documents belong to you. This data will be held securely and in accordance with our Privacy Notice.

Some of the main reasons that your application was not successful could include:

  • You do not meet our minimum age criteria. To open a Nomo account you must be at least 16 years old.

  • You reside in a country in which we do not operate yet.

  • We are not able to verify you as part of our KYC process.

  • You appear to be the subject of sanctions.

There's no monthly account fee to pay for your Nomo account. No minimum balance is required.

Find out all you need to know about our fees here.

We will ask you some basic information about your finances, including a rough estimation of your assets, where you hold these assets, and which countries you have bank accounts in. You’ll also need to tell us where you hold tax residency.

We need information about your finances for regulatory reasons.