Kem is a quick and easy way to send, spend and receive. Join the people of Kuwait who use the Kem app today.

HOW TO START
Our signup process is fast and simple so that you don’t have to worry. Download and sign up within a few minutes.

PAY AND GET PAID INSTANTLY
Send money within a few clicks to anyone in Kuwait. Splitting the bill without the hassle of collecting links. Kem has you covered wherever you go.

MANAGE YOUR MONEY
Move your Kem money directly to your bank account within minutes using instant transfer*. View your balance easily, and track your money coming in and out**.

PAY IN STORES
Using the Kem QR code you can scan and pay at supported businesses. Just scan, confirm the amount, and you’re done




*Transfer speed depends on your bank and could take up to 30 minutes. Transfers are reviewed which may result in delays or funds being frozen or removed from your Kem account.
**Kem is a financial services platform, not a bank. Banking services are provided and issued by Kem’s banking partners, not Kem Technologies Holding Ltd.