FAQ's

Easy Cash allows you to transfer up to 30% of your Credit Card limit to your current account via our e-services and pay it back in monthly installments (up to 18 months) with a competitive profit rate.

Easy Cash is available for all Primary SAIB Credit Cardholders based on their available cash limit.

You can avail a maximum of 30% of your available Credit limit. The amount varies based on your available Cash limit.

Easy Cash is paid in monthly installments up to 18 months.

Yes. Easy Cash monthly installment is included in your monthly minimum due.

Yes. Fees, Profit Rate, and Minimum Amount will vary depending on the chosen tenor period.ProductTenor (Months)Administration FeesProfit Rate 30.99%*1% 60.99%*1%Easy Cash (installments)90.89%*1% 120.89%*1% 180.79%*2%

FRiENDi PAY is a simple and secure application for international money transfers from Saudi Arabia to various countries.

No, it is not required to be a SAIB account holder before registering.

Follow these steps:Enter the phone number.Enter the One-Time Password (OTP) you received on phone number.Enter your National/Iqama ID number and Date of Birth, then click "Next".Set a password.Accept the terms and conditions and click "Next."Sign in to Absher.Open Nafath App.Choose the same code you received in FRiENDi PAY app within Nafath.Switch back to FRiENDi PAY app.Enter additional KYC information:Income information: Choose from the provided list.Company information and Profession.National Address: Enter manually or locate on the map for customers who have not registered their National Address. Click "Submit".

You can log in to the app once you have completed the registration process

No, there are no fees for adding money to your FRiENDi PAY account.

Tradable securities entitle the holder to exercise the right to subscribe to treasury shares. Tradable rights are an acquired right for all registered shareholders in the Bank's records by the end of Wednesday (11 August 2021). Each right entitles its holder to the right to subscribe to the treasury shares offered at the sale price.The following table defines the most important terms relating to the tradable rights process of the Treasury shares: TermDefinitionRight PriceThe trading price of a Right as determined by the supply and demand mechanism in the market.Indicative Value of a RightThe difference between the market value of the Bank’s share during the trading period and the sale price. The Saudi Exchange Market (Tadawul) will constantly calculate and publish indicative values on its website throughout the period that precedes the trading of Rights.Sale Price:SAR 13.5Exercise of the RightExercising the right of subscribing to treasury shares.Eligibility RatioEach registered shareholder is entitled, on the date of eligibility, to one (1) for each (9.0006) owned shares.

The adopted mechanism, which is associated with the sale of treasury shares, is similar to the rights issue mechanism subject to some differences where:There is no increase in capital.No new shares are issued, as treasury shares will be offered by issuing tradable rights.Share price will not be adjusted as there are not any new shares issuedUnderwriters will not be appointed for sale purposesIf the right is not exercised, the investor will not be subject to loss or decrease in the value of the portfolio.There will not be any indemnities to the rights’ owners if they did not buy the shares

The below chart shows the mechanism adopted in offering treasury shares and relevant dates:The adopted mechanism, which is similar to the tradable rights mechanism, includes the following steps:The Period of Holding the Extraordinary General Assembly Meeting:On 4 August 2021, the Extraordinary General Assembly approved the offering of Treasury shares and has authorized the Bank's Board of Directors to take all necessary measures to offer treasury shares. The Board of Directors determined the eligibility date (set to be August 11, 2021), and the offering price of treasury shares (set at SAR 13.5). Tradable rights will be deposited as securities in the registered shareholder's portfolios following the eligibility date (August 15, 2021) and the rights will appear in the portfolios of registered shareholders under a new code allocated for tradable rights. These rights will not be allowed to be traded or purchased until the beginning of the subscription and trading period.Note:- The value of these rights will not appear within the portfolios of restricted shareholders during the period prior to the trading of the rights; however, only the number of rights will show. As for the value, the Saudi Exchange Market (Tadawul) will constantly calculate and publish indicative values on its website throughout the period that precedes the trading of Rights. Rights trading period:Six working days (trading days) starting on 16 August 2021 until 23 August 2021, during which registered shareholders and new investors can trade rights. Subscribing to the rights related to treasury shares will be processed in two phases:Phase One: The subscription of rights related to the Treasury shares at this stage, which begins on 16 August 2021 and ends on 23 August 2021, is limited to shareholders registered to the rights which will be deposited in their portfolios after the date of eligibility.Phase Two: It begins after the completion of the first phase (on 24 August 2021) and lasts for 3 working days until 26 August 2021. During this phase, all right holders are allowed to subscribe, whether they are registered shareholders or individuals who purchased these rights during the trading period. Rump Offering Period (if any):- If any treasury shares remain unpurchased after the end of the first and second phases, in addition to any share fractions (if any), those shares will be offered to a number of institutional investors, who will be invited by the Lead Manager after consulting with the Bank to submit their offers to buy the remaining shares during the period from 1 September 2021 to 2 September 2021. The allocation will be made to investment institutions with the highest offer first, with shares allocated proportionally to institutions who submitted the same offer.- The offering price of unpurchased treasury shares during this period will be limited between the offering price (as a minimum) and the market price of the Bank's shares.- All proceeds from the offering will go to the Bank (i.e. There is no mechanism to compensate shareholders who have not exercised their right to subscribe, as their ownership percentage in the Bank will not be decreased as a result of the offering, as the case is with rights issuances) Allocation of shares to investors:The allocation of shares to investors will be announced on 6 September 2021.

The number of rights registered shareholders will receive depends on the shareholder ownership percentage in the capital on the eligibility date with a eligibility ratio of one right 1 right for every 9 shares owned approximately*.*for eligibility purposes, each registered shareholder will be granted one (1) right for every 9.00063870745878 shares owned

It is the day on which the shareholders who own shares of the Bank are entitled to rights, and that will be on 11 August 2021.

Trading and subscription to rights will begin at the same time (16 August 2021) until the end of the trading period on 23 August 2021, while the subscription continues until 26 August 2021.

No. After the end of the trading period, the right owner only has the right to exercise the right to subscribe or not to subscribe. There will be no mechanism for compensating shareholders for failing to exercise their right to purchase the Treasury Shares, given that their shareholding in the Bank has not decreased as a result of the Sale.

Unregistered shareholders can subscribe to rights in the second phase, which starts on 24 August 2021 and ends on 26 August 2021, after purchasing the tradable rights during the period from 16 August 2021 until 23 August 2021.

Yes, the investor can sell part of these rights, use the proceeds from the offering of those rights to provide liquidity, and use the remaining rights to subscribe to treasury shares.

Subscription applications are submitted through trading platforms and mobile applications or through any channels provided by these entities to their customers.

Yes, you are entitled to sell them and buy other rights during the trading period.

Registered shareholders can subscribe to additional treasury shares by purchasing additional rights during the trading period from 16 August 2021 until 23 August 2021.

Two business days following the Eligibility Date (11 August 2021), such date being 15 August 2021.

The Bank intends to use the proceeds from the offering of Treasury shares to strengthen the capital base, boost the liquidity of the Bank's equity.

In the event that the entire treasury shares are not purchased during the subscription period, the remaining Treasury shares will be offered during the Rump Offering Period. The Lead Manager will arrange such offering. No compensation will be paid to the rights owner if he/she has not subscribed to purchase the shares.

The investor will be notified through “Tadawulaty” service, a service provided by the Securities Depository Center, and via SMS sent by brokerage firms.

The investor's share will be distributed to the portfolios owned by the investor, based on the percentage of ownership in each portfolio. In the event of fractions, these fractions will be combined to form entire share or shares to be added later to the portfolio in which the investor owns the largest amount of rights.

The acquired right will be added to the investor portfolios under the original share name with the new descriptive word "Offering of Treasury Shares", and a new code for these rights.

No. Subscription can be made during the official working days specified from 16 August 2021 to 26 August 2021.

It is one of SAIB’s Loyalty Programs which offers you instant discounts and offers with the program’s partners.

The partners of the “Aseel” program are diverse and can be found on The Saudi Investment Bank website or SAIB application.

You can communicate with the Loyalty support team by calling the toll free number:8001248000.

He/she can submit a formal complaint to the customer care unit by calling the toll free number: 8001248000 within 24 days.

All offer details are available on the SAIB website and in case the offer expires, it will be removed from the website.

Restaurants, travel and tourism, shopping, lifestyle and others offering a wide range of services.

No, the “Aseel” discount does not apply if the partner has an ongoing promotion.

By using The Saudi Investment Bank cards for payments.

Samsung Pay is a secure and fast payment service for Samsung users, allowing payments through smart devices.

Samsung Pay works on smart devices running Android 9 and all subsequent versions.

To use Samsung Pay, download the Samsung Wallet app, add your card, and activate it. Then, you can make payments in stores, apps, and websites that support the service.

You can use Samsung Pay in stores, apps, and websites that accept the service, both within and outside the Kingdom of Saudi Arabia.

If you renew or lose your physical card and receive a replacement, make sure to remove the old card from Samsung Wallet and add the new one.

You can add your card to Samsung Wallet by scanning it with OCR or NFC, using SAIB Mobile app, or by entering the card information manually. After that, the Samsung Wallet app will verify your identity according to the bank’s policies.

You can add up to 10 cards (credit and/or mada cards) to Samsung Pay, and there is no limit on the number of loyalty cards you can add.

Yes, using Samsung Pay is secure. It includes several security features, such as:Tokenization technology, a secure environment, and Samsung KNOX to protect your payment information.Payments must be authenticated using a fingerprint or PIN.

If your device is lost or stolen, you can use SAMSUNG Find My Mobile to remotely disable Samsung Wallet or remove all cards linked to it.

The card is available for all SAIB account holders.

Login to internet banking or mobile applicationGo to cards section then click on Travel CardSince it is a new card request, click on the “Card Request” optionOnce you approve the T&C, an issuance fee of SAR100 will be debited from your account. After that, your request will be processed immediatelyOnce you receive your card, you should activate your card through internet banking or Mobile Application or by calling Phone Banking at 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas)

Yes, it is the first low limit multi-currency credit card launched in the Kingdom of Saudi Arabia which can be loaded with 100 different currencies to avoid the exchange rate fees.

Both primary and supplementary cards can be requested through internet banking or Mobile Application and the card will be delivered via courier with 5 business days. You may also issue it instantly through the self-service machine in the nearest SAIB branch

More than one Travel Card can be requested for your family members, which will be linked to your account and controlled by main account holder.

Whether I travel often or have a family member who travels often or lives abroad, the Travel Card will help me save significant amounts of money and avoid unnecessary exchange rate fees.

The card is issued with a credit limit of 1 USD.

No fees when loading your card.

No fees when unloading your card.

No need to visit currency exchange stores any more, Travel Card enables cardholders to load fund to their card through SAIB internet banking or Mobile Application and Phone Banking service.

Yes, there is a fee of SAR 25 for each additional currency as a onetime fee only.

Login to the Internet Banking or Mobile ApplicationGo to cards section then click on Travel CardSelect adding additional currencies and choose the desired currenciesAfter confirming the currencies, a fee of SAR 25 will be charged for each currency added and your request will be immediately processed

Yes, you can use the card around the world and if the currency is not added to your card, the transaction will be processed from the USD wallet at a competitive exchange rate.

Yes, you can.

Yes, you can unload money back into your SAIB account for free.

Your request will be approved immediately as there is no need to check your credit history.

You can withdraw up to SAR 5,000 from ATM machines.

There is no limit; you can use the all available amount in the card.

The maximum loading amount is USD 100,000 or it is equivalent in other currencies. This limit will be covering in all added currencies. You can load again at any time after using the amount.

You can view your PIN easily through the Travel Card page in the Internet Banking or Mobile Application.

All transactions done online using any SAIB card is supported by 3D secure (verified by visa) security feature.

View card balances per wallet/currencyView transactions historyLoad your card with various currencies from your SAIB accountUnload funds from each wallet to your SAIB accountAccess 24/7 and emergency assistance for lost or stolen cards

In case of loss or theft of your card, immediately call 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas) to block your card and request a replacement card to be sent to you within 5 business days.You can block the card temporarily or permanently through our mobile application, internet banking, or the phone banking service at: 8001248000

You can know more about the points earned by using WooW calculator by choosing the type of transaction and the number of points earned will appears, click here to use the calculator.

The credit limit is an added feature you can activate on your existing (usual) Travel Card. It gives you a new source of money (credit), so you can load the card either from your current account as usual, or from the card credit limit. To enjoy this feature, all you have to do is request the usual Travel Card and then activate the credit feature via the Bank’s Mobile Application.

Login to your account in the Mobile ApplicationFrom the home menu, choose “Cards” > “Travel Card”:A. If you already have a Travel Card, click on “Request for a Travel Credit limit”.B. If you do not have a Travel Card, click on “Card Request”, then agree to the Terms and Conditions and the Credit/SIMAH check.

Any transfer you make from your credit limit will be considered a Retail Transaction, where “Tawarruq” charges will accrue. You will only be charged with “Tawarruq” charges in case you do not make a payment, and there is an outstanding amount “Due amount” by your due date.

The card is available for all SAIB account holders.

Login to “Flexx Click” or “Flexx Touch”Go to cards section then click on EasyShopping CardSince it is a new card request, click on the “Card Request” optionOnce you approve the T&C, an issuance fee of SAR100 will be debited from your account. After that, your request will be processed immediatelyOnce you receive your card, you should activate your card through “Flexx Click” or “Flexx Touch” or by calling “Flexx Call” on 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas)

The card is issued with a credit limit of SAR 25.

No, there are no fees.

No fees when unloading your card.

Saudi Riyal.

No, the card issued with one currency only (SAR).

Yes, you can. The amount will be exchanged from country currency used to the SAR at competitive exchange rates.

Yes, you can unload money back into your SAIB account for free.

Yes, you by simply requesting an additional card.

Your request will be approved immediately as there is no need to check your credit history.

Both primary and supplementary cards can be requested through internet banking “Flexx Click” or “Flexx Touch” or through phone banking “Flexx Call” and the card will be delivered via courier with 5 business days. You may also request an instant issuance by visiting the nearest SAIB branch.

You can know more about the points earned by using WooW calculator by choosing the type of transaction and the number of points earned will appears, click here to use the calculator.

In case of loss or theft of your card, immediately call 8001248000 (if within the Kingdom of Saudi Arabia) or +96114183100 (if overseas) to block your card and request a replacement card to be sent to you within 5 business days. You can view your PIN number through “Flexx Click” or “Flexx Touch” and “Flexx Call”.

You can withdraw up to SAR 5,000.

There is no limit; you can use the all available amount in the card.

The limit is 90,000 SAR and you can load again anytime after using the amount.

Mada Silver Debit Card from The Saudi Investment Bank is a card issued for Silver segment accountholders which allows instant access to funds available in the account, saving you the need to withdraw cash. Your card will help you manage your finances and monitor your spending, as all transactions made with your card will appear on your bank account statement.

Visit the nearest SAIB branch if you meet the Silver segment criteria.

A mada debit card is a "buy now, pay now" option, while a credit card is a "buy now, pay later” option. Therefore, when you use your mada Silver Debit Card from The Saudi Investment Bank, there will be no monthly repayments, and hence, no profit rate will be charged.

View account balancesView transactions history/statementsView your card accounts details and transaction historyTransfers between your accounts and other SAIB accountsSARIE transfers within the Kingdom of Saudi ArabiaMake transfers to your investment account with Alistithmar CapitalMake international transfersSADAD utility paymentMOI government paymentView all payments historyView WooW rewards and redemptionThere are many more services provided. For more information, please click here

You can view your PIN easily through Flexx Click, Flexx Touch or Flexx Call.

In case of loss or theft of your card, immediately call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) to block your card and request a replacement card to be sent to you within 5-7 business days, You may also request for an instant issuance by visiting the nearest SAIB branch and your card will be inactive until you activate it again. You can view your PIN from Flexx Click, Flexx Touch or through Flexx Call.

mada Gold Debit Card from The Saudi Investment Bank is a card issued for the Gold segment accountholders which allows instant access to funds available in the account, saving you the need to withdraw cash. Your card will help you manage your finances and monitor your spending, as all transactions made with your card will appear on your bank account statement.

Visit the nearest SAIB branch if you meet the Gold segment criteria.

A mada debit card is a "buy now, pay now" option, while a credit card is a "buy now, pay later” option. Therefore, when you use your mada Gold Debit Card from The Saudi Investment Bank, there will be no monthly repayments, and hence, no profit rate will be charged.

You should activate your mada Gold Debit Card and generate your card PIN before first use. After successful activation, you are ready to start using your card at supermarkets, restaurants and other establishments around the world.

View account balancesView transactions history/statementView your card accounts details and transaction historTransfers between your accounts and other SAIB accountsSARIE transfers within the Kingdom of Saudi ArabiaMake transfers to your investment account with Alistithmar CapitalMake international transfersSADAD utility paymentMOI government paymenView all payments historyView WooW rewards and redemptionThere are many more services provided. For more information, please click here.

You can view your PIN easily through Flexx Click, Flexx Touch or Flexx Call.

In case of loss or theft of your card, immediately call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) to block your card and request a replacement card to be sent to you within 5-7 business days, You may also request for an instant issuance by visiting the nearest SAIB branch and your card will be inactive until you activate it again.You can view your PIN from Flexx Click, Flexx Touch or through Flexx Call.

Maximum of 7 business days from the approval date.

To check the status of your application, please call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

You can check the PIN via your account through the Internet Banking or Mobile Application.

With Global Concierge Service, you can rest assured you are in good hands. Developed exclusively for Visa Infinite Credit Cardholders, this complimentary service provides everything you need for your personal and business life, and is available in several different languages.The Global Concierge Service saves you precious time and is available 24 hours a day, all year long, employing a network of world-class resources to offer solutions and recommendations tailored precisely to your requirements. The service also keeps track of your profile, ensuring that your individual expectations and preferences are fully understood. Concierge Service categories:Travel: Information and reservation assistance for travel and hospitalitEntertainment and Leisure: International dining and luxury leisure servicesRetail and Personal Services: Domestic services, delivery services, life event management and emergency servicesFor more information, contact your Global Concierge Service on 800 844 3488 (if within the Kingdom), or +971 4 361 1234 (if overseas).You can also send an email to concierge@visainfinite-mea.com

In case of loss or theft of your card, immediately call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) to block your card and request a replacement card to be sent to you within 5-7 business days. You will also receive a new PIN for the new card. Your new credit card will be inactive until you activate it.

We will send you a renewed credit card at least 2-4 weeks before the expiry date. If you do not receive a new credit card during that period, please call +800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

All transactions done online using any SAIB card are supported by 3D Secure (verified by visa) security feature.

Yes, you can set any limit you want (within the primary card limit) by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) or visiting any of SAIB branches.

You can pay through the following convenient channels:SAIB BranchesSAIB ATMsDigital Banking Services: (Internet Banking or Mobile Application)Direct debit from your SAIB accountPhone Banking

You can use WooW calculator to know more about the points earned by choosing the type of transaction, and the number of points earned will appears. Click here to use the calculator.

You can fast track your clearance through customs and immigration at over 300 airports around the world. For more details, click here.

An example of information that will be obtained when applying for the product:*The Annual Percentage Rate (APR) may differ based on the amount and maturity period.Profit margin2.49%Minimum payment amount5%APR39.70%The period required to pay the full balance (Years)7

You can activate your card through our Internet Banking or Mobile Application, or by calling +800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

mada “Visa Infinite” Debit Card from The Saudi Investment Bank is a card issued for Platinum segment accountholders which allows instant access to funds available in the account, saving you the need to withdraw cash. Your card will help you manage your finances and monitor your spending, as all transactions made with your card will appear on your bank account statement.

Visit the nearest SAIB branch if you meet the Platinum segment criteria.

With Global Concierge Service, you can rest assured you are in good hands. Developed exclusively for Visa Infinite cardholders, this complimentary service provides everything you need for your personal and business life, and is available in several different languages.The Global Concierge Service saves you precious time and is available 24 hours a day, 365 days a year, employing a network of world-class resources to offer solutions and recommendations tailored precisely to your requirements. The service also keeps track of your profile, ensuring that your individual expectations and preferences are fully understood. Concierge Service categories:Travel: information and reservation assistance for travel and hospitalityEntertainment and Leisure: international dining and luxury leisure servicesRetail and Personal Services: domestic services, delivery services, life event management and emergency servicesFor more information, or to contact your Global Concierge Service, visit: www.visainfinitecard.com or call 8008443488 (if within the Kingdom), or +966114183100 (if overseas).Alternatively, you can send an email to concierge@visasignature-mea.com

A mada debit card is a "buy now, pay now" option, while a credit card is a "buy now, pay later” option. Therefore, when you use your mada “Visa Infinite” Debit Card from The Saudi Investment Bank, there will be no monthly repayments, and hence, no profit rate will be charged.

You should activate your mada “Visa Infinite” Debit Card and generate your card PIN before first use. After successful activation, you are ready to start using your card at supermarkets, restaurants and other establishments around the world.

You can use WooW calculator to know more about the points earned by choosing the type of transaction, and the number of points earned will appears. click here to use the calculator.

You can view your PIN easily through our Internet Banking “Flexx Click”, the Mobile Application “Flexx Touch”, or by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

In case of loss or theft of your card, immediately call 8001248000 (if within the Kingdom), or +966 11 418 3100 (if overseas) to block your card and request a replacement card to be sent to you within 5-7 business days, You may also request for an instant issuance by visiting the nearest SAIB branch and your card will be inactive until you activate it again. You can view your PIN from Flexx Click, Flexx Touch or through Flexx Call.

Easypay is a payroll program compliant with the Wage Protection System (WPS) regulatory requirement that provides the service to employers to pay the salaries of their employees who do not hold a normal bank account.

It takes 5-7 business days from the date on which SAIB receives the required data.

3 years from the date of issuance.

The cash withdrawal limit for easypay card is 5,000 per day.

From the SAIB ATMs, withdrawal is free for all transactions. From other banks ATMs, a fee of SAR 2 will apply from the 5th transaction per month onwards.

From the SAIB ATMs, balance enquiry is free for all transactions. From other banks ATMs, a fee of SAR 0.8 will apply from the 5th transaction per month onwards.

Yes, the cardholder can use the card at any POS within the Kingdom of Saudi Arabia for free and without any limitation to the number of transactions.

No, easypay card is mada branded which can only be used within the Kingdom of Saudi Arabia

Employer will have to make the 100% salary credit for all the employees as per the WPS law.

No, employers can prepare a single file for both normal accountholders and easypay cardholders. SAIB will process them based on type of account automatically.

Employers may contact their relationship manager or easypay Call Center on 8001000101. Please note that the easypay Call Center will not process the salary transfer related issues or queries and will direct you to the easypay support team.

The turnaround time for payroll transfer will be as per the agreement. For example: if the funds made available at SAIB before 3:00 P.M, then the file will be processed on the same day.

Please, contact SAIB easypay Call Center on 8001000101 or the easypay support team. You can also contact your relationship manager.

Services offered by easypay Call Center:Issue a replacement cardIssue a replacement PIN

Directly call easypay Call Center on 8001000101 to stop the card and issue a new card.

Please, contact easypay Call Center on 8001000101 to issue a new PIN.

Through our SAIB ATMs.

It is a mada prepaid payroll card that allows the sponsor to process the payment of salaries and incentives to their household workers electronically with ease, safety, and comfort. The card is issued for household workers such as drivers, housemaids, etc.

The card is available to all SAIB customers and is approved after confirming that the sponsor is the correct sponsor of the household worker and after accepting the terms and conditions.

Yes, whether you have one or more workers, you may issue a card for each household worker you have under your sponsorship.

No, the card is acceptable within the Kingdom of Saudi Arabia only.

Easypay” Household Card accepts deposits only from the sponsor.

Free.

The cash withdrawal limit for easypay card is 5,000 per day.

From the SAIB ATMs, withdrawal is free for all transactions. From other banks ATMs, a fee of 2 will apply from the 5th transaction per month onwards.

From the SAIB ATMs, balance enquiry is free for all transactions. From other banks ATMs, a fee of 0.8 will apply from the 5th transaction per month onwards.

Yes, the cardholder can use the card at any POS within the Kingdom of Saudi Arabia for free and without any limitation to the number of transactions.

Please, contact SAIB easypay Call Center on 8001000101 or the easypay support team. You can also contact your relationship manager.

Services offered by easypay Call Center:Issue a replacement cardIssue a replacement PIN

Directly call easypay Call Center on 8001000101 to stop the card and issue a new card.

Please, contact easypay Call Center on 8001000101 to issue a new PIN

Through our SAIB ATMs.

EduPay Student Card Program is an automated system to pay allowances to students directly in their prepaid card account.

It takes 5-7 working days from the date on which SAIB receives the required data.

3 years from the date of issuance.

The cash withdrawal limit for easypay card is SAR 5,000 per day.

From the SAIB ATMs, withdrawal is free for all transactions. From other banks ATMs, a fee of SAR 2 will apply from the 5th transaction per month onwards.

From the SAIB ATMs, balance enquiry is free for all transactions. From other banks ATMs, a fee of SAR 0.8 will apply from the 5th transaction per month onwards.

Yes, the cardholder can use the card at any POS within the Kingdom of Saudi Arabia for free and without any limitation to the number of transactions.

No, easypay card is mada branded which can only be used within the Kingdom of Saudi Arabia.

The university may contact its relationship manager or easypay Call Center on 8001000101. Please note that the easypay Call Center will not process the salary transfer related issues or queries and will direct you to the easypay support team.

The funds will be credited to the student card account as soon as it is processed by the university in Corporate Internet Banking and payment is received by SAIB.

Yes, the card will be blocked if student ID is expired. Card will be reactivated when university provides SAIB with the new ID.

Please, contact SAIB easypay Call Center on 8001000101 or the easypay support team. You can also contact your relationship manager.

Services offered by easypay Call Center:Issue a replacement cardIssue a replacement PIN

Directly call easypay Call Center on 8001000101 to stop the card and issue a new card.

Please, contact easypay Call Center on 8001000101 to issue a new PIN.

Through our SAIB ATMs.

Maximum of 7 business days from the approval date.

To check the status of your application, please call 8001248000 (if within the Kingdom), or +966114183100 (if overseas).

You can view the PIN from your account via the Internet Banking or Mobile Application

You can activate your card through our Internet Banking “Flexx Click”, the Mobile Application “Flexx Touch”, or by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

To know more about the airport lounges subscribed to the program, please visit: https://ksalounges.dragonpassuk.com

In case of loss or theft of your card, immediately call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) to block your card and request a replacement card to be sent to you within 5-7 business days. You will also receive a new PIN for the new card. Your credit card will be inactive until you activate it again.

We will send you a renewed credit card at least 2-4 weeks before the expiry date. If you do not receive a new credit card during that period, please call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

All transactions done online using any SAIB card are supported by 3D Secure (verified by visa) security feature.

Yes, you can set any limit you want (within the primary card limit) by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) or visiting any of SAIB branches.

You can pay through the following convenient channels:SAIB BranchesSAIB ATMsE-channels: Flexx Click or Flexx TouchDirect debit from your SAIB accountPhone Banking Flexx Call

You can fast track your clearance through customers and immigration at over 300 airports around the world. For more information, please visit: https://cemea.yqnowgroup.com

You can use WooW calculator to know more about the points earned by choosing the type of transaction, and the number of points earned will appears. click here to use the calculator.

An example of information that will be obtained when applying for a productProfit margin %2.49Minimum payment amount %5APR %39.70The period required to pay the full balance (Years)7*The Annual Percentage Rate (APR) may differ based on the amount and maturity period.

Maximum of 7 business days from the approval date.

To check the status of your application, please call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas).

For your security, you will first receive the card separately, and then you will receive the PIN after.

With Global Concierge Service, you can rest assured you are in good hands. Developed exclusively for Visa Signature Credit Cardholders, this complimentary service provides everything you need for your personal and business life, and is available in several different languages.The Global Concierge Service saves you precious time and is available 24 hours a day, 365 days a year, employing a network of world-class resources to offer solutions and recommendations tailored precisely to your requirements. The service also keeps track of your profile, ensuring that your individual expectations and preferences are fully understood. Concierge Service categories:Travel: information and reservation assistance for travel and hospitalityEntertainment and Leisure: international dining and luxury leisure servicesRetail and Personal Services: domestic services, delivery services, life event management and emergency servicesFor more information, contact your Global Concierge Service on 800 844 3488 (if within the Kingdom), or +971 4 361 1234 (if overseas).Alternatively, you can send an email to concierge@visasignature-mea.co

In case of loss or theft of your card, immediately call 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) to block your card and request a replacement card to be sent to you within 5-7 business days. You will also receive a new PIN for the new card. Your credit card will be inactive until you activate it again.

All transactions done online using any SAIB card are supported by 3D Secure (verified by visa) security feature.

Yes, you can set any limit you want (within the primary card limit) by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas) or visiting any of SAIB branches

You can pay through the following convenient channels:SAIB BranchesSAIB ATMsE-channels: Flexx Click or Flexx TouchDirect debit from your SAIB accountPhone Banking Flexx Call

You can fast track your clearance through customers and immigration at over 300 airports around the world. For more information, please visit: https://cemea.yqnowgroup.com

You can use WooW calculator to know more about the points earned by choosing the type of transaction, and the number of points earned will appears. Click here to use the calculator.

SAIB Platinum Cashback Credit Card is a financial revolution in the Saudi Arabian Credit Card market. This card gives you the maximum cashback and exceptional offers on your day to day spends.

The Cashback will not be deducted from your overall bill generated at the merchant establishment. However, it will reflect in the monthly statement.

The card provides you many features, including:Cashback on the following categoriesSupermarkets & HypermarketsEducationFuelDiningInternational TransactionsOthersComplimentary access to 20 VIP lounges around the worldExclusive offers and discounts available in KSA and the UAEFor more benefits, please click here

You are free to choose how to use your Cashback amount. Cashback redeemed will reflect as a credit balance and can be used to make further purchases.

If there are any unsettled amounts on the card, they will be paid from the earned cashback balance. If there are not any due amounts at the time of crediting the cashback balance, the cashback amount will be credited to the card’s account balance.Note: Only the Primary Cardholder can redeem the cashback amount.

No, there is no minimum spend to earn Cashback on international transactions. You can start earning Cashback right away. Just activate your Card and start using it. However, there is a minimum spend requirement of SAR 3,000 on the specified categories.

Cashback calculation is based on the Merchant’s classification by global standards as defined by VISA and MasterCard. You may not have earned cashback on certain transactions as the merchant may have been classified under a different category. The Saudi Investment Bank is not responsible for ensuring merchant classification.

The Cashback offer is applicable only on the retail transactions. Hence, the below transactions will not earn Cashback:Balance transfersCash advanceDial-a-cheque (unless these are made towards education)All fees charged by the BankTransactions reversed by the merchantSADAD bill paymentsAny other transaction determined by the Bank from time to time

In case a refund occurs for a previous transaction, the respective cashback will be deducted from the accrued cashback of the month in which the reversal is posted.

Yes, this is a shariah compliant financing product approved by SAIB’s Shariah Board.

Saudi CitizensWork for an employer included in the Bank’s approved list.Be at least 21 years of age.Maximum age at maturity of 60 for males and females.

SAIB guarantees disbursal on the same day (subject to complete documentation).

Minimum financing amount is 50,000.

Maximum financing amount is 3,000,000.

Our profit rate is extremely appealing and is fixed for the entire tenor of the Murabaha finance.For our current profit rate, or to enquire of special promotions, please call our Flexx Call contact center at800 124 8000.

You automatically get a host of free benefits:Sharia compliant Salary Account with no minimum balance requirement.mada Debit Card from The Saudi Investment Bank with SPAN, GCC Net and Maestro capabilities for ATM withdrawals and retail transactions.Access to re-financing products.Debt relief in case of death or permanent disability (God forbids).

You do not need any collateral or guarantor to avail to this product.

Yes we can buy-out your existing debt.

Complete the required application form.Introduction letter from your employer which would include basic salary, allowance details and the date of employment joining date.Salary assignment letter in favor of SAIB.Copy of National Identity Card / Iqama – this will be verified against the original by our staff.For loan buyouts: Debt letter from the Bank / Financial Institution with whom you currently have a loan.

Please click here or contact our Flexx Call contact center at 800 124 8000 or visit any of our branches.

Yes, this is a Shariah compliant financing product approved by SAIB’s Shariah Committee.

Minimum amount is 50,000.

SAIB guarantees disbursement of the finance amount in the same day (subject to complete documentation).

Maximum financing amount is 3,000,000.

You automatically qualify for a host of free benefits, suc:50,000 WooW PointsDebt relief in case of death or permanent disability -God forbidFree for life credit card

Valid ID CopyIntroduction letter from employer which includes salary, allowance details, and date of joiningEmployer’s salary transfer certificateNo objection and debit transfer letter from the existing lending bankAccount statement of last 3 months (showing last 3 salaries which are verified from the previous bank)Copy of the work ID card specifying rank or position

To apply for this product, call 800 124 8000or follow the below instructions:Login to your banking account from our mobile application (Click here to login)From the home list, click “Loans and Investments”Choose “Personal Finance”, then click on “Create new application”Fill the application detailsUpload the required documentsRead then accept the terms and conditionsSubmit your applicationDone! Request is submitted successfully!If you have any inquiries, contact our Phone Banking at 800 124 8000

SAIB must receive the first salary before releasing the hold on the remaining amount.

This is an Islamic financing product approved by the Bank’s Shariah Board.

To apply for this finance you need to meet the following eligibility criteria:Be a Saudi Citizen.Work for an employer included in the Bank’s approved list.Transfer salary, supported by a salary assignment letter from your employer, to an account with SAIB.Be at least 18 years old.Maximum age at maturity of 60 for males and females.

SAIB guarantees disbursal on the same day (subject to complete documentation).

Minimum finance amount is 50,000

The profit rate you pay is fixed for the entire tenor of the Murabaha Finance. For our current profit rate, or to enquire about special promotions, please contact our Flexx Call contact centre at 800 124 8000.

You automatically get a host of free benefits:Sharia compliant, Salary Account with no minimum balance requirementmada Debit Card from The Saudi Investment Bank with SPAN, GCC Net and Maestro capabilities for ATM withdrawals and retail transactions.Access to re-financing prodcuts.Debt relief in case of death or permanent disability (God forbids).

You do not need any collateral or guarantors.You also own the vehicle.

Complete SAIB application form.Quotation (3 copies), for car value, from approved dealers addressed to the Bank.Introduction letter from employer which would include salary and allowance details and the date of employment commencement.Salary assignment letter addressed to SAIB.Valid National ID Card / Iqama.Acknowledgment form signed upon receipt of the car.Kindly note that Saudi Armed Forces personnel may need to provide additional documentation. Please contact us for more details.

Contact our Flexx Call contact center at 800 124 8000 or visit any of our branches.

Maximum financing amount is 1,500,000.

Yes, salary transfer to SAIB is mandatory in order to obtain one of these products from SAIB.

No, these are for only the eligible Saudi nationals listed on the REDF’s and Ministry of Housing’s finance lists.

Yes, if all criteria are met.

No, only those who are listed in REDF’s and Ministry of Housing’s finance lists can get these products. You may request SAIB Murabaha Home Finance instead.

The maximum finance amount for subsidy is 500,000.

Yes, there are specific conditions that must be met.

The maximum finance amount is 5,000,000.

1% of the finance amount up to 5,000 (whichever is lower).

Yes, you can, provided that you meet the Bank’s terms and conditions (To learn more about these terms, please call us at 800 124 8000).

The minimum service period:Government Sector: 1 months with current employerPrivate Sector: 3 months with current employer

Please click here or contact our Flexx Call contact center at 800 124 8000 .

Yes, salary transfer to SAIB is mandatory in order to obtain one of these products from SAIB.

No, these are for only the eligible Saudi nationals listed on the REDF’s and Ministry of Housing’s finance lists.

Yes, if all criteria are met.

No, only those who are listed in REDF’s and Ministry of Housing’s finance lists can get these products. You may request SAIB Murabaha Home Finance instead.

The maximum finance amount for subsidy is 500,000.

Yes, there are specific conditions that must be met.

The maximum finance amount is 5,000,000.

1% of the finance amount up to 5,000 (whichever is lower).

Yes, you can, provided that you meet the Bank’s terms and conditions (To learn more about these terms, please call us at 800 124 8000).

The minimum service period:Government Sector: 1 months with current employerPrivate Sector: 3 months with current employer

Please click here or contact our Flexx Call contact center at 800 124 8000 .

Yes, salary transfer to SAIB is mandatory in order to obtain any of SAIB home finance products.

Yes, the land owned by you has to be mortgaged to the Bank in order to avail financing.

No, this product is only for eligible Saudi nationals listed on the REDF’s and Ministry of Housing’s finance lists.

No, only those who are listed in REDF’s and Ministry of Housing’s finance lists can get this product. If you are not eligible to get this product, you may apply for SAIB Murabaha Home Finance instead. To learn about Murabaha Home Finance, please click here.

Yes, this product is Sharia-compliant and based on Murabaha principle.

The maximum finance amount is 7,000,000.

The maximum finance amount is 5,000,000.

1% of the finance amount up to 5,000 (whichever is lower).

The minimum service period:For Government Sector: 1 month with current employerFor Private Sector: 3 months with current employer

Joint finance is not eligible as per REDF’s criteria.

Yes, you can, provided that you meet the Bank’s terms and conditions (To learn more about these terms, please call us at 800 124 8000).

Please click here or contact our Flexx Call contact center at 800 124 8000 .

Yes, salary assignment to SAIB is mandatory in order to obtain any of SAIB’s home financing products.

Yes, there are specific conditions that must be met.

The maximum finance amount is 7,000,000.

Yes, you can, provided that you meet the Bank’s terms and conditions (To learn more about these terms, please call us at 800 124 8000).

No, this product is only for eligible Saudi nationals listed on the REDF’s and Ministry of Housing’s finance lists.

Yes, this product is Sharia-compliant and based on Murabaha principle.

The maximum finance amount for subsidy is 500,000.

1% of the finance amount up to 5,000 (whichever is lower).

Government Sector: 1 month with current employer.Private Sector: 3 months with current employer.

10% for first house or 30% for any additional property.

MOH shall ensure that the title deed is transferred to the customer (with mortgage to Bank) within 60 days of customer receiving possession of the property from developer.

Please click here or contact our Flexx Call contact center at 800 124 8000 .

Yes, salary transfer to SAIB is mandatory in order to obtain this product from SAIB.

No, this product is only for eligible personnel listed on the REDF’s and Ministry of Housing’s finance lists.

Yes, it is a Sharia compliant product based on Murabaha principle.

Maximum financial support of 500,000 that covers the profit.

The maximum finance amount is 7,000,000.

1% of the finance amount up to 5,000 (whichever is lower).

Yes, provided that you meet the Bank’s terms and conditions (to learn more about these terms, please call us at 800 124 8000).

The minimum service period is as follows:Government Sector: 1 month with current employerPrivate Sector: 3 months with current employer.

Timing of title deed transfer will depend on MOH.

Once MOH is ready to transfer the Title Deed, mortgage to SAIB of Title Deed will take place.

No down payment to be made by customer as the property is sold at concession, which serves as down payment amount.

Please click here or contact our Flexx Call contact center at 800 124 8000 .

Yes. This product is Sharia’a compliant and has been designed on the basis of Islamic principles.

Up to 20 years.

To apply for this product, call 800 124 8000 or follow the below instructions:Login to your banking account from our mobile application (Click here to login)From the home list, click “Loans and Investments”Choose “Home Finance”, then click on “Continue”Fill the application detailsUpload the required documentsRead then accept the terms and conditionsSubmit your applicationDone! Request is submitted successfully!If you have any inquiries, contact our Phone Banking “Flexx Call” at 8001248000

SAIB guarantees in-principle approval within 24 hours, and a final approval within 12 business days (subject to complete documentation).

You would need to make an immediate repayment of the principal outstanding amount, and we may offer you a discount on the outstanding profit.

You can avail financing up to a maximum limit of 7,000,000.

Minimum amount is 350,000.

You can mortgage the following properties: Villas – Apartments.

Yes, you may repay your financing early. As this is a Sharia'a compliant product, you do not have to pay penalty charges for prepayment and we can offer you a discount on the outstanding profit.

Yes, this is a Shariah compliant financing product approved by SAIB’s Shariah committee.

For Saudis and Expatriates.Customer must have a salary account and outstanding finance.Customers are not allowed to refinance, unless the pay at least 20% of their existing finance amount.Customer must be either a current employee or a retiree from private or government sector which is listed in the SAIB’s approved list of employers.The minimum applicant age must be 18 years old for employed customers, 23 years for expats and 38 years for retirees.Maximum age of 60 years for males and females, and 65 years old for retirees at the time of finance maturity.Debt Burden Ratio not to exceed 33% for employed customers & 25% for retirees.

SAIB guarantees disbursement of the finance amount on the same day (subject to complete documentation).

Minimum amount is 50,000.

Maximum financing amount is 1,500,000.

Our profit rate is highly competitive and is fixed for the entire tenor of the Murabaha finance. For our current profit rates, or to enquire about special promotions, please call our Flexx Call contact center at 800 124 8000.

You automatically qualify for a host of free benefits:Sharia compliant Salary Account with no minimum balance requirement.mada Debit Card.Debt relief case of death - God forbids - or permanent disability.WOOW reward points.

You do not need any collateral or guarantor to avail to this finance.

Introduction letter from employer, which would typically include salary, allowance details, and joining date.A commencement letter addressed to the bank including the account number, commencement and ending date for some sectors.Valid National Identity Card.Employer’s Staff identity card (showing the rank/grade of the employer for some sectors).

Please click here or contact our Flexx Call contact center at 800 124 8000 or visit any of our branches.

Yes, if you have already registered to “Flexx Click”, you can use the same username and password you use to login in our website.

You can retrieve your forgotten user ID from here where you will be provided with your user ID.

You can generate a new password from here.

You can register by logging in to FLEXX CLICK/TOUCH and click on International transfer. Then click on FLEXX TRANSFER in order to proceed with the registration.

Before confirming the transfer, the fee will appear on the confirmation page.

You must register to easypay online service by clicking here and then you can transfer once you login.

You can simply register for this service by calling 800 124 8000 and selecting option 2 after the language option.

To reset your password, simply call 800 124 8000 and select option 2 after the language option followed by 2.

Your customer number is a part of your account number that appears on your statement of account. For assistance, please contact 800 124 8000 and speak to one of our agents.

It is one of the loyalty programs offered by The Saudi Investment Bank where WooW members are rewarded with WooW points for their banking transactions. The earned WooW points can then be redeemed with various gifts and options through WooW e-catalog.

Individual personal banking customers who meet the terms and conditions of the program.

You can become a WooW member by simply accepting the program terms and conditions. Login to your banking account through SAIB Internet Banking or Mobile Application choose “WooW Rewards” and read then accept the terms and conditions.

As soon as you become a WooW member, by accepting the program terms and conditions, you will start earning WooW points for making all eligible banking transactions.

It is a catalog exclusive to WooW members through which you can view available WooW gifts through Internet Banking “Flexx Click”, or through Mobile Application “Flexx Touch”. To redeem your points, you have to login to your banking account through “Flexx Click” or “Flexx Touch” and make the redemption from the tab “WooW Rewards” (click here to login to your banking account).

You can register online.

You can generate a new password from here.

You can retrieve your forgotten user ID from here where you will be provided with your user ID.

Your customer number is part of your account that appears on your statement of account. It is the 6-digit number that comes after the first 4 digits on your statement, the last 3 digits are not part of your customer number.

No liability letterCertification of bank details with account number (IBAN) and balanceCertification of bank details with account number (IBAN)Debt certificatesClearance Letter

You can register in the Flexx Safe service by logging into Flexx Click or FLEXX TOUCH and going to the "e-banking" menu, then clicking on the "Flexx Safe Registration.

Login to your account using FLEXX TOUCH latest versionTap on activate Flexx Safe nowTap on proceedSpecify a PIN and re-enter itEnter the OTP sent to your mobile number

Please ensure that you are using the latest version of the FLEXX TOUCH. If the issue persists, please uninstall the app and install it again from the related stores (App/play store).

The FLEXX SAFE PIN must consist of four digits and cannot be easily guessed (I.e. 1111, 1234, etc…). This PIN will be used to protect your FLEXX SAFE.

You will have to use it every time you want to generate an authentication code.

When you have completed your FLEXX SAFE activation process, you will be required to enter FLEXX SAFE authorization code as your second factor authentication. You should open The Saudi Investment Bank application on your device, and go to FLEXX SAFE then 'Generate Authorization Code'. Please enter your FLEXX SAFE PIN. This FLEXX SAFE PIN was created by you when you activated FLEXX SAFE on your device.

FLEXX SAFE increases the flexibility in accessing FLEXX SAFE services, giving you more convenience and improving your online experience. There are also no costs incurred while using FLEXX SAFE.

In case you have lost your device or forgotten your FLEXX SAFE PIN on SAIB application and you were not able to used FLEXX SAFE, you will be able to re-activate it following these steps:On the login page, go to registration as if you would like to register to Flexx Click for the first time.After filling the required information and proceeding, click on 'In order to re-activate FLEXX SAFE click here'.You will then be prompt to activate FLEXX SAFE similar to how you have done it before.

Yes, you can navigate through Retail Internet Banking from your device and using FLEXX SAFE authentication. When a One Time Password will be required, the generation page will be automatically open, entering your FLEXX SAFE PIN, you will be able to generate it and continue with the operation.

You can do so by logging into your banking account via the Internet Banking or Mobile Application, choose “WooW Rewards” then choose “My Account”.

end of the third year after the points were earned. For instance, if the customer earned 5,000 points on May 15, 2024, and 10,000 points on June 14, 2024, the customer’s total 15,000 points earned within the year 2024 will expire at the end of December 31, 2027

You can redeem the WooW points you earned through WooW e-catalog after logging into your banking account via SAIB Internet Banking or Mobile Application.

The catalog is continually updated with new and exclusive items; however, this does not mean that the item you wanted will be provided again.

You can transfer the points to another WooW beneficiary by logging into your banking account through SAIB Internet Banking or Mobile Application, click on "WooW rewards" icon, then choose "WooW beneficiaries" and enter the account number and short name to activate the beneficiary. Select "WooW point transfer", enter the number of points and the name of the activated beneficiary, and then click on “Transfer”.

You can transfer a minimum of 50 WooW points.

You can transfer up to 10 times per month.

As a valued customer of SAIB, the gifts are delivered to you at no cost.

The gift will be delivered to you through Service Provider carrier within a maximum of 14 working days.

If the WooW gift item is not as ordered or is broken or damaged when received, please do not sign the delivery receipt and promptly inform SAIB by calling Phone Banking on 8001248000.

No, you cannot cancel the request

You can review your previously redeemed transactions by logging to your banking account through SAIB Internet Banking or Mobile Application.

Yes, by calling SAIB Phone Banking on 8001248000, Please be informed you will not earn any points in the future on your banking transactions.

You can submit an inquiry or file a complaint through any of the following channels:Phone Banking on 8001248000Internet BankingMobile ApplicationYour questions will be answered as soon as possible.

Individual personal banking customers who meet the terms and conditions of the program.

As soon as you become a WooW member, by accepting the program terms and conditions, you will start earning WooW points for making all eligible banking transactions.Click here to view all eligible banking transactions

You can subscribe through any of our ATMs or by visiting the nearest branch.

You can deactivate the service by visiting the nearest branch.

Third-Party Providers are any company permitted by the Saudi Central Bank (SAMA) to provide open banking services under the full supervision of the Saudi Central Bank. Examples include: Personal Finance Management providers, Enterprise Financial Management providers, etc. It is worth mentioning that the Third-Party Providers cannot access the customer's information without obtaining explicit and informed consent of the client.

Open banking enables customers to share their financial data securely with Third-Party Providers permitted by the Saudi Central Bank to enable customers to access new and innovative services and products. Open banking contributes to increasing customers' financial awareness and management in a safe and effective manner. Open banking enables customers to compare financial services and products and choose the most suitable ones.

Yes, Open Banking APIs allow for a secure data transfer and you will always have to authorize Third-Party Providers to access your financial data. It is worth mentioning that it requires any Third-Party Providers to obtain official approvals and registration with the Saudi Central Bank, adhere to the Open Banking Framework and its Standards, and implement the cybersecurity protocols and information security procedures in force in the bank.

Third-Party Providers must disclose the required data, the purpose of the request and the duration of the retention of the data, which may include:Account name, number, and account balanceIncoming and outgoing transactions, details of each transaction on your statement and your account balance after each transaction.

It is optional for customers. However, Open Banking represents a qualitative shift in the financial sector, as it contributes to the provision of innovative and customized services and products suited to the customer's needs.

Yes, you can login to the app using the same login credentials from your SAIB Mobile App account

You can retrieve your forgotten user ID or password through the login page.

The commercial sector is supervised by the Ministry of Commerce and Industry, and complaints can be filed through the ministry’s website.https://mci.gov.sa/ServicesDirectory/Pages/CommercialCheatCase.aspx

No. No limit is set on the frequency of using your bank card as long as the accumulated amount of purchases equal or below 60,000.

No. making payments through POS terminals is completely free of charge on cardholders.

Yes. using of mada cards is permissible regionally within the Gulf Cooperation Council (GCC) through GCCnet, and globally when the card is co-branded with other global payment systems such as “Visa”, “MasterCard”, “Cirrus”, “Plus”, and “Maestro”.

In cases where mada card is lost or stolen, contact your bank directly to report the incident and to have a new mada card issued for you.

No. The service is completely free of charge for both merchants and cardholders.

No. The bank will issue mada card when opening a new account and renewing card free of charge in accordance to SAMA’s rules and regulations.

Your bank will either replace your current SPAN card or will issue a new card ( if you currently do not have a SPAN card) upon your request.

No. It is illegal practice and in case occurred then it is a violation of the applicable rules and policies that entail the merchant to its consequences.

If you already provide the POS service you may contact your bank directly to upgrade it with mada standards or to enquire on when the bank will approach you to do so. If you want to provide the service for the first time, you can choose to do so through any of the banks listed under the Merchants tab.

Benefit from the increased daily purchase limit made by cards to 60,000.Reduction of the costs associated with cash transactions in terms of time needed to count them, validate paper notes authenticity, and need to always have smaller bank notes available.Limit of risks and human errors related to processes of daily inventories and revenues, and accounting bookkeeping.Less burden on daily cash collections processes and the hazard to transit funds and deposit it with banks.A better position to monitor payment inflows coming into the business and the ability to track sales transactions through different kinds of statements provided by their bank.High tendency for sales volumes and values to increase with the growing number of mada Debit Cards from The Saudi Investment Bank in the community.Speed and convenience in completing purchase transactions in connection to around the clock help service to ensure quality of service.Benefit from banks exclusive offers and rewards programs.

Depending on your business sector, your bank will tailor your POS device to suit your business needs through different connectivity options (mobile (GPRS), dial-up, Internet Protocol (IP)) and a wide choice of POS models.

Yes, the terminal will accept whether SPAN or mada Debit Cards.

It is a mutually signed document that defines the responsibilities of merchants and the bank detailing all elements in relation to the POS service being offered.

Merchants perform the reconciliation activity to ultimately deposit the payments processed during the day into their bank accounts. This process is ideally performed daily when the sales cycle is done.

A merchant service provider (MSP) is a 3rd party agent assigned by the merchants’ banks in accordance to SAMA procedures to provide a full suite of merchant services and support within the context of POS installation and on-going maintenance.

POS service has been offered by banks with specific fees. After all, this fees is subject to the commercial contract signed by both sides. The fees interchange model was recalculated to be in line with global best practices. As a result, acquiring banks are permitted to levy a maximum of 0.80% of purchase value for each transaction up to an Merchant Service Charge (MSC) of 40 (maximum) applies.

Exemption from installation fees.Exemption from terminal fees.Exemption from monthly fees.Provision of maintenance and help desk around the clock.

MSC is calculated (if applicable) on the basis of the transaction value, For example:MSC is calculated (if applicable) on the basis of the transaction value, For example:Example (1): if a customer (cardholder) used his mada Debit Card from The Saudi Investment Bank to pay for goods worth 35, then the merchant may be entitled to pay his bank an amount of 0.28 only for the service. Customer won’t pay any other fees for using his card to pay.Example (2): if a customer (cardholder) used his mada Debit Card from The Saudi Investment Bank to pay for goods worth 20,000, then the merchant may be entitled to pay his bank an amount of 40 only for the service. Customer won’t pay any other fees for using his card to pay.

This service allows customers to request a cash amount of up to 400 right at point of-sale terminals compatible with mada standards. There is no need to visit the ATM, the cash amount will be deducted directly from your personal bank account along with your purchase amount.

Increased daily transaction limit on POS terminals from 20,000 to 60,000.Convenience to benefit from Naqd service which allows to withdraw cash from merchants’ cash supply in outlets.A seven-fold enhanced capacity in comparison to the previous generation.An unprecedented standard of enhanced transactions speed and performance.A wider reach of usage.Instant SMS notifications to cardholders on any cash withdrawals or POS transactions.The mada Debit Card from The Saudi Investment Bank is accepted at every terminal that displays the mada scheme mark whether it is an ATM or POS within Saudi Arabia. It is also accepted in the GCC thru GCC net.

mada can be used in all automated teller machines (ATMs) and point-of-sale (POS) terminals offered by local banks throughout the country. Additionally, it can also be used regionally and globally through connecting with other payment systems such as GCC Net, VISA, MasterCard, and American Express to provide mada cardholders with a wider acceptance locally and overseas.

mada card is a mada Debit Card from The Saudi Investment Bank issued by local banks that allows a cardholder to access funds in their accounts. And it works in the same mechanism of regular ATMS cards with newer standards of security and added-value features.

mada is the national payment scheme owned by the Saudi Central Bank (SAMA) and connects all automated teller machines (ATMs) and point-of-sale (POS) terminals, as well as eCommerce stores offered by local banks and licensed FinTechs throughout Saudi Arabia to a central payment switch. This central switch then re-routes the financial transactions between a merchant's bank or FinTech and the card issuer's bank or FinTech.The system also permits regional and global acceptance to provide mada cardholders with wider acceptance both locally and overseas.

One of the reasons behind the widespread use of those cards on an international level is the special characteristics that these cards offer to the card holder, the vendor accepting the card, or the issuing bank. If it is maintained well and used when necessary in an elaborate way, it will offer many benefits to its holder, the most important of which are as follows:An easy instrument to use and keep.A secure instrument that spares the trouble of carrying cash money.You can use it daily to carry out any transaction.All executed transactions can be reviewed and checked through obtaining a monthly account statement.You can benefit from the grace period and repay after a period of 20-50 days from the execution date of the latest transaction.A useful financial instrument that helps in financial planning when used in a well deliberated way.Many shops and centers accept those cards (some of those cards are accepted by more than 25 million shops centers on an international level).

Using a credit card in a careless way may lead to significant risks that affect the customer's credit record and his ability to repay and manage his financial liabilities. The most significant risks are as follows:It is an easy financial instrument that encourages consumption, if its use is not controlled.The possibility of being used by others, especially relatives (son, daughter, husband, or wife) if it is not safeguarded. The cards can be used to carry out transactions through the telephone.The possibility of it getting lost, stolen, and used by another person.Paying additional amounts as fees in case of default or repaying part of the amount.Increased commission and interest rates linked to the use of credit cards.It is considered one of the financial instruments that require ongoing monitoring, sound management, and compliance with repayment dates.

No, a bank must inform the affected consumers of any changes in fees and charges 30 business days in advance of any such changes being implemented.

Every person wishing to apply for a credit card has to make sure that he/she has an answer for the following questions:Why should I have a credit card?Have I understood the conditions and controls of the agreement for careful use and dealing therewith? For example, do I know the amount of the various fees, card interest rate in case of a delayed repayment, annual issuing fees, default fees, cash withdrawal fees, and fees for exceeding credit limit?Can I repay the total amount of purchases with the credit card every month? Or the minimum amount only?If I did repay the minimum amount, can I repay additional commissions on the existing balance?What is the bank's procedure towards me in case of default?

provided to new consumers or at the request of existing consumers, through the channels available from the bank and in accordance with the consumer’s preference. They are also detailed either by way of a general terms and conditions booklet or by individual brochures. Consumers should be encouraged to read these terms and conditions before committing to a product or service.

A bank must communicate to the affected consumers any changes in terms and conditions at least 30 business days in advance of any such changes being implemented.

A copy of the terms and conditions should be provided to consumers at the appropriate time in order to enable the consumer make an informed decision on whether they wish to purchase the product or service.

Banks must include specific ‘warning statements’ in all terms and conditions, application forms, and advertisements, stating clearly the potential consequences for the consumer in not meeting the product or service conditions as agreed in the product or service application form.

A bank will only deduct the approved fees, charges, and commissions that are detailed in the schedule of fees, charges, and commissions.

A bank should provide consumers with a copy of the schedule of fees, charges, and commissions when they provide a product or service, when signing a contract or as requested by a consumer at any time.

A bank should clarify to consumers the methodology for calculating fees, commissions, and the amount of profit earned by the bank for the products and services held by those consumers.

You can cancel your credit card without payment of a fee or charge to a card issuer within ten days after receipt of the card, provided that you have not used the card after receipt.

Where SAIB advertising refers to product or service that will incur a fee or charge, the advertisement or promotional material will for sure show the amount of all fees and commissions relating to the use of the service or product.

A bank must ensure that an advertisement that contains any acronyms (for example APR) states clearly what the letters actually stand for.

Consumers have the right to receive short messages (SMS) or promotional material for services and products provided by a bank, and the bank should obtain the prior approval of the consumer, whether in writing or electronically, according to the preferences of the consumer.

A bank must not unreasonably delay the opening of a bank account for a consumer by engaging in delaying tactics.

A bank should accept and fulfil all requests to open new accounts, where the consumer has completed all of the required documents and met the conditions required to complete the account opening process, with the exception of the cases provided for in the rules of opening and operating accounts issued by The Saudi Central Bank (SAMA).

A bank should inform consumers of a decision by the bank to close a consumer’s account 60 days in advance of the account being closed and the reasons for this. In cases of fraud or embezzlement by a consumer, a bank can immediately close or block an account without communicating with the consumer.

A bank should not require a consumer to have a minimum deposit to open a personal bank account. However, a bank has the right to close an account if the account balance is zero for a period of 24 months days from the date that the account is opened.

A bank must inform a prospect consumer of the consequences of opening and operating a bank account. This must include a formal process of ensuring that consumers are fully aware of the consequences of granting access to third parties to their bank accounts.

A bank will provide appropriate electronic channels and free-phone to assist consumers to easily report loss, theft, or misuse of their cards.

A bank should not issue a credit card or increase a credit card limit, except upon the written request of the consumer, according to the regulations and circulars issued by The Saudi Central Bank (SAMA) relating to credit cards and mada Debit Cards from The Saudi Investment Bank.

A consumer will be responsible for any transactions made on their credit card before they reported the loss of their card to the bank. The issuing bank is responsible for any fraudulent transactions (transfer of credit card information) without the knowledge of the card holder, whether made before or after the cardholder informs the bank, except in cases which the bank proves the cardholder’s responsibility for these transactions.

A bank will deduct the installment on the date agreed upon with the consumer and in line with the date of deposit of the consumer’s salary account with the bank.

A bank will never telephone, send text messages, or email a consumer for any details regarding their passwords, PINs, or any other account verification methods.

A bank should give clear written information to consumers regarding the consequences that non-payment of their liabilities will have for their credit record in the information held by credit information companies. In the event that a consumer partly pays their indebtedness, banks should not issue a letter of ‘final clearance’. They should avoid using any such phrases or words in their communication with the consumer unless the consumer has fully paid off their liabilities, or unless the bank is agreeable to accept a partial payment in full and final settlement of all amounts due.

A bank has the right to impose fees on consumers for the transfer of funds outside the Kingdom. These fees should be a fixed amount and not a percentage of the amount being transferred. Any beneficiary bank fees should be included, as well as any fees imposed by the correspondent bank. The consumer should be informed of the amount of all fees before confirming the transfer of funds.

Before completing the transfer of funds, a bank should advise consumers of the expected arrival time that the funds will be with the beneficiary and the fees or charges deducted and the net amount that will be paid to the beneficiary.

A bank should advise a consumer within two business days of return of funds by a correspondent bank. The funds returned should be credited to the consumer’s account as soon as received from the correspondent. Where the consumer is not an account holder, the returned funds should be available in cash or by cashier’s cheque within two business days.

A bank will display the branch hours of business on a fixed notice at the main entrance to each branch and the branch will open and close in accordance with these advertised hours of business.

A bank will not discriminate against consumers in any way, in the sale or usage of any banking product or service.

A bank should clearly display their complaints procedures in all of their branches and on their websites, as well as provide a hard copy to a consumer if requested.

To reactivate non-moving & dormant accounts for individuals please follow the below steps:Contact us through the phone banking 800 124 8000 ( +966 11 418 3100 outside KSA)Enter the password of phone bankingEnter the required service number and follow the instructionEnter the OTP sent to your mobile number that is registered in bank system* For individual customers, in case if you were unable to contact phone banking please visit the nearest branch* For non-individual customer, please visit the branch to activate the account or contact your relationship manager

Yes, the Soft POS service has to be linked to the merchant's account in The Saudi Investment Bank.

The following card types are accepted:madavisamastercard

One business day from the date of approval.

The Soft POS service is activated on the merchant's smart device via the following steps:Visiting the link to download the app, which is sent via SMS to the merchant's mobileLogging in the app by entering the username and passwordWhen the download is completed, the merchant can start using the app

Currently, the app is available on Android devices.

Free. There are no fees for installation and maintenance.

The service is suitable for all businesses, especially the following:TaxisDelivery DriversSeasonal ExhibitionsField Sales RepresentativesFood Trucks

No, an e-receipt is sent to the merchant and cardholder.

By visiting one of SAIB branches.

Signing the POS service agreement at one of SAIB branchesCopy of the Commercial RegistrationCopy of the merchant's national ID

Yes, the POS has to be linked to the merchant account in Saudi Investment Bank.

MADAVISAMasterCardAMEXApproved international cards.

One business day after approval.

There is NO fees and charges forInstallationMonthly feesMaintenance

All merchants who sell goods and provide service.

The following types of POS terminals are available:Dial-upGPRSIP

POS Requests by filling the above form and visit one of bank branches.

Sign the POS service agreement.Copy of CR.Copy Of merchant ID.

Yes.

The following payment services and card schemes are accepted:mada CardsVISAMasterCardAmerican Express

Within 48 Hours if merchant’s website is ready.

All merchants who sell goods and services online.

Online Channel “Web”Mobile ChannelVirtual Channel

For an affordable cost, it provides coverage for all shipments falling within the terms of the policy. In most cases, you enjoy coverage even if you unintentionally fail to report a shipment and/or report shipment values incorrectly.

The standard basis of valuation is invoice cost plus freight plus 10% or 20% in some cases. Most underwriters will allow a higher mark up that could reach 100%.

You need to check both the “Goods Insured” clause and the “Voyage” clause in your policy. Certain goods and certain voyages are excluded.

You still enjoy full cover for that shipment. However, you must report it as soon as you are aware of the error.

As a general rule, it is excluded; however, it depends largely on who did the packing and where it was carried out.

It depends on your business needs. Generally, certificates of insurance are issued for export shipments in order to provide the buyer with proof of insurance. The certificate also provides contact information in the event of a claim. Certificates may also be required for letter of credential purposes.

Many reasons apply:It provides evidence of value of the goodsIt identifies the parties to the sale and identifies whether the insured is a partyIt identifies the terms of saleIt provides a description of the goods as well as the quantity being shippedIt identifies the price the buyer has paid (or is to pay) for the goods in questionThe invoice price plus freight and charges plus a markup of 10% or 20% is a standard basis of valuation in most cargo policies

mada Pay is a mobile application that provides cardholders a convenient and new way to pay for purchases at stores through Android-based mobile devices by simply adding their cards into the application.

mada Pay is only available on Android devices and can be downloaded from the official Google Play store.

Your mada Pay app will not function unless your mobile is unlocked by one of the authentication methods you have selected in the mobile settings. Therefore, you need to immediately contact your card-issuing bank to suspend the cards and follow their procedure for these issues.

There is no limit on the number of cards that you can add to mada Pay. All your bank cards can be added in mada Pay.

No, you need to use one of the screen unlock methods to identify you as the authorized user to perform the transaction.

No need to be connected to the internet when making a transaction except while adding a card into mada Pay. However, from time to time the app will request you to be connected to the internet in order to sync your cards for continuous use.

The Value added Tax (VAT) is an indirect tax that applies to goods and services within the Kingdom of Saudi Arabia except for those goods and services which have been explicitly exempted from such tax or are zero rated.

This reform will allow the government to diversify its sources of revenue, ensure financial sustainability and increase its revenues in the future.

The General Authority for Zakat and Tax (GAZT): www.gazt.gov.sa/en

VAT will be calculated at the rate of 15% on qualified goods and services starting 1 July 2020.

VAT, as a General Consumption Tax (GCT), will be imposed on many transactions related to goods and services within the Kingdom, if such product or service has not been explicitly exempted or zero rated from the tax.

The cost of living is likely to rise slightly, but this increase will vary depending on an individual’s lifestyle and spending behavior. For example, if your expenses are concentrated primarily on goods exempted from VAT, you will probably not see a significant increase in the cost of living.

VAT will be applied to some but not all of the Banks’ products and services.

No additional charges for SAIB mada cardholders for using mada atheer service.

It is available at merchant location who accept the service (where the service sticker at cashier counters is displayed).

The terminal will only accept a payment once in this scenario.

Fast, safe, and convenient payment method for low value purchases.

The service is active by default for mada Debit Cardholders. The customer may deactivate the service thru our e-banking channels “Flexx Click”, “Flexx Touch”, or “Flexx Call”.

Thru any of our e-banking channels “Flexx Click”, “Flexx Touch”, or “Flexx Call”.

You shall stop the card immediately through any of our e-banking channels, request a replacement card and then file a dispute form.

None. Only 2.75% will be charged on international payments, which is the same case and fees applied to international POS purchases.

You can convert your purchases using SAIB credit cards into equal monthly installments in two ways:Online stores: After shopping and reaching the payment step, choose SAIB Credit Card and choose SAIB EPP Payment Plan to proceed.At actual stores (points of sale): shop and pay with your SAIB Credit Card, then call our toll-free number 8001248000 within 20 days from the purchase date, and request to convert this purchase into easy installments.

Yes, the minimum transaction value should not be less than 1,000 and the maximum limit will be 90% of the Credit Card Limit.

Yes, the card will be charged 50 for each transaction converted under the Program.

Yes, you will earn WooW points on any transaction on your Credit Card.

Multiple transactions can be allowed to be converted to the Program within 90% of the Credit Card Limit.

The tenure for the Program can be 3, 6, 9 or 12 months and this period cannot be changed after the transaction is transferred to the Program.

You can transfer your purchases to the Easy Payment Plan when you make purchases worth SAR 500 or more using a SAIB Credit Card at any store. To initiate the process, call the Phone Banking Flexx Call at 8001248000 and transfer the transactions before the 2nd statement is generated, starting from the date of the transaction.

Yes, the minimum transaction amount is 500, and the maximum transaction amount is capped at 90% of the Credit Limit.

Yes, a service fee starting from 1% will be applied on the total transaction amount of each purchase transferred to the Easy Payment Plan, with profit rates being implemented according to the outlined schedule.

Yes, you will earn WooW points on any transaction on your Credit Card.

Multiple transactions can be transferred to the Easy Payment Plan within 90% of the Credit Card Limit.

The payment plans available are 3, 6, 9, 12, and 18 months. Once a payment plan has been processed, it cannot be changed to another plan.

You can get up to 5 supplementary cards for each primary card.

Yes, you can issue supplementary cards for any of SAIB’s credit cards.

Yes, Supplementary cardholder's minimum age must be 8 years and maximum age should not exceed 65 years.It is recommended to allocate a maximum credit balance of 2,000 if the cardholder age is 8 years.

No, all supplementary cards are free.

You have 2 options:You can assign specific limit for each supplementary cardYou can share the full primary card limit with the supplementary card.

Yes, supplementary cardholder can access airline lounges based on the credit card type.

Yes, noting that all your online transactions using any SAIB card are supported by 3D Secure (verified by visa) security feature.

Maximum of 7 business days from the approval date

You can activate your card through our Internet Banking, Mobile App, or Phone Banking by calling 800 124 8000 (if within the Kingdom), or +966 11 418 3100 (if overseas)

You can view your PIN from your account through our Internet Banking or Mobile Application.

It is a fast, easy and secured method to pay via Apple devices that are compatible with IOS.

There is no additional charges to use Apple Pay.

You can use Apple Pay through a pre-installed Wallet app on all Apple devices.

Most portals accept Apple Pay, but there are still some merchants that do not offer (mada atheer) service, which is a requirement for accepting payment for Apple Pay

iPhoneApple WatchiPadMacBookiPhone XApple Watch Series 1 eiPad ProMacBook Pro with Touch IDiPhone 8 - 8 PlusApple Watch Series 2iPad (5th generation)Any Mac model produced in 2012 or lateiPhone 7 - 7 PlusApple Watch Series 3iPad Air 2 iPhone 6s iPhone 6 PlusApple Watch First GenerationiPad mini 4 iPhone SE iPad mini 3

Yes, it is a secure payment method that includes a number of security standards:Apple Pay is secured by biometric authentication method where each process must be authenticated by fingerprint (Touch ID) or face recognition (Face ID).You are required to set the screen lock of your device in order to use Apple Pay.Your phone will be with you during the whole process.Apple Pay is disabled if the screen lock fails to open with the password or when you exit iCloud.

If you lose your device at any time, you can directly access to your iCloud and delete all details of the lost device.

There is no maximum payment limit using Apple Pay.

When you activate your new card, it will be automatically updated in the app.

Simply delete your card from the app.

Select the card you want to delete from the application then click on “delete the card” option.

Easy Cash

What is Easy Cash service?

Who can request Easy Cash service?

What is the maximum Easy Cash amount that I can avail?

How do I pay back "Easy Cash"?

Is Easy Cash monthly installment included in my monthly minimum due?

Are there any fees for Easy Cash Service?

FRiENDi PAY

What is FRiENDi PAY app?

Do I need to be a SAIB account holder before registering?

How can I register for the FRiENDi PAY app?

How can I log in to the FRiENDi PAY app?

Does FRiENDi PAY charge any fees for adding money to my account?

Offering of Treasury Shares - The Saudi Investment Bank

What tradable rights are associated with treasury shares?

What are the main differences between the tradable rights mechanism and the adopted mechanism which is similar to the tradable rights mechanism?

What is the adopted mechanism which is similar to the tradable rights mechanism?

How many rights will the registered shareholder receive?

What is the eligibility date for tradable rights?

When are the trading and subscription periods?

Can the rights holder sell or waive the right after the trading period is over?

Can shareholders who are not registered in the Bank's records on the date of eligibility be able to subscribe to shares of tradable rights?

Is it possible to sell part of these rights in order to subscribe to treasury shares?

What is the subscription process?

If I bought additional rights, am I entitled to trade them again?

Can registered shareholders subscribe to additional shares?

What is the date of updating the eligibility record for tradable rights?

How does the Bank intend to use the subscription proceeds?

What happens to shareholders who have tradable rights but they have not exercised any of their rights during the subscription period?

How will the investor be notified of tradable rights?

If the investor has more than one portfolio with more than one brokerage firm, how will the rights be calculated for the investor?

Will these rights be added to the investors' portfolios under the same name/share code or will they be included under another name/code?

Can I subscribe during the weekend?

Aseel FAQ's

What is the “Aseel” program?

Who are the “Aseel” program partners and how can I familiarize myself with them?

How to communicate with the “Aseel” Loyalty support team in case of any inquiries?

In case the customer does not get the discount, what should he/she do?

How can the client know the expiry date of the offer?

Which categories of partners are available in the “Aseel” program?

Are SAIB customers entitled to an additional discount with SAIB cards if the partner has an ongoing promotion?

How can I benefit from the “Aseel” program?

Samsung Pay

What is Samsung Pay?

What devices are compatible with Samsung Pay?

How can I use Samsung Pay?

Where can I use Samsung Pay?

What should I do if I renew or lose my physical card?

How can I add my card to Samsung Wallet?

How many cards can I add to Samsung Pay?

Is paying with Samsung Pay secure?

What should I do if my device is lost or stolen?

The Travel Card

Are there any conditions for obtaining the card?

How can SAIB customers apply for this card through E-channels?

Is it the first multi-currency card in the Kingdom of Saudi Arabia?

How can I get a Travel Card?

Can I issue a Travel card for my family members?

How will I benefit from the Travel Card?

What is the card credit limit?

Are there any fees for loading funds to the Travel Card?

Are there any fees for unloading funds from the Travel Card to my SAIB account?

How easy it is to load your Travel Card?

Are there any fees for adding currencies to the Travel Card?

How can I add new currencies to the card?

Can I use my card in a country without adding its currency to my Travel Card?

Can I use this card within the Kingdom of Saudi Arabia

Can I unload money back to my SAIB account?

How long does it take to approve the card request?

What is the daily cash withdrawal limit?

What is limit to purchase through POS or online?

What is the maximum loading amount?

What if I forget my PIN?

Are my online transactions secured?

What online services do I get for Travel Cards?

What happens if I lose my card or if my card is stolen and how can I request a replacement card?

How can I know the WooW points earned using my Travel Card?

What is the difference between the Travel Card with a credit limit activated, and the usual Travel Card?

How do I apply for a Travel Card credit limit?