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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 and the UAE.

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

Prohibited countries

In line with our anti-money laundering and terrorist financing policy, sanction screening requirements, and adhering to our third-party payment providers we are unable to receive funds from or send money to the following countries.

  • Afghanistan
  • North Korea
  • Belarus
  • Nicaragua
  • Central African Republic
  • Russia
  • Crimea
  • Somalia
  • Cuba
  • Sudan
  • Democratic Republic of Congo
  • South Sudan
  • Israel
  • Syria
  • Iran
  • Ukraine
  • Iraq
  • Venezuela
  • Kazakhstan
  • Palestine
  • Libya
  • Yemen
  • Myanmar

NOTE: The above country list is not definitive and is subject to change.

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 or on Google Play for Android.

Step 1 - Setting your preferences

When you begin your application, we will start by asking you to read and 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, 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 passport or a photo of another image.

The photo should be taken directly 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 - Proof of address

As part of your application process, we will need to verify your residential address.

For Kuwaiti residents, we will ask you to upload the front and the back of your Civil ID card.

If you're in the UAE, we will ask you to upload the front and the back of your Emirates ID card.

Please make sure the document you upload is in your name, includes your home address, and is dated within the last 3 months.

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 - Help us understand your wealth and intended account usage

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.

If you're applying from the UAE, there will be some extra questions we need you to answer.

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

The documents needed to open an account are: • Your original passport • Your Civil ID (for Kuwaiti residents only) • Your Emirates ID (for UAE 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 document.

For your passport, you need to scan the original passport in the app, and the same goes for the Civil ID (for Kuwaiti residents only). As for UAE residents, your Emirates ID card can either be uploaded as a photo or you can take a direct photo in the app.

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.

By following these guidelines, you can avoid problems with scanning your 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 documents 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.

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.

Customers applying from the UAE must meet one of the following criteria to be approved:

  • Have a monthly income of 15,000 AED per month or more

  • Have a minimum net worth of 275,000 AED

  • Currently be a student

Please note that we will ask for supporting documents to verify your eligibility. If you do not meet the criteria, your application will be rejected.

There is no minimum income requirement for customers applying via the Nomo Bank app.