FAQs

Follow our simple on-screen instructions to register for SambaOnline.

• Enter your ATM card number or your Credit Card number.
• Enter your ATM or Credit Card PIN.
• Authenticate your registration by entering the registration password that will be sent to your mobile number available in our records (Should you wish to update your mobile number, kindly visit your nearest Samba ATM or branch).
• Read the SambaOnline agreement and click "I Agree".
• Choose your SambaOnline username and password.

• A Samba Account or Credit Card.
• Your Samba ATM Card number or Credit Card number.
• A mobile number registered with Samba.

Personal Accounts

• Monitor account activity: Check current balances, verify withdrawals, deposits, payments, and transactions.
• Transfer funds: It's easy to transfer funds between your Samba accounts, to other Samba customers or to an account with any other bank in the Kingdom or overseas.
• Switch to eStatements: Get the convenience of having your banking and credit card statements available at your fingertips whenever you need them.
• Pay bills and payments: Pay utility and other SADAD bills from your checking account or credit card. Make payments for government services and credit card bills. All within minutes.
• Schedule your bill payments so they can be paid automatically on the date and for the period you specify. In addition, you can schedule bill payment alerts which will notify you by email of bills that are due on the date and for the period you specify.
• Chat with Samba Staff and get instant answers to your queries through SambaOnline Chat facility.
• Request services and make updates: Order checkbooks, stop check payments, issue standing instructions, define beneficiaries for transfers, report lost/stolen ATM card, request for IBAN, change frequency of paper statements, check foreign exchange rates, update account information, change your password.

Samba Credit Card

• Up-to-date account information at your fingertips: View account history, balances, transaction details, credit card / loan statements. Check outstanding authorizations, loan amount, dues.
• Access funds: Advance available funds from your credit card to your Samba account.
• Request services: Authorize Tawaroq for Islamic cards.
• Shop online through Samba Emall at over 350 leading merchants – all under one roof- and get attractive cash back each time you shop using your Samba Credit Card.

Manage your wealth

• Book a Time Deposit: Check interest rates and book deposits online.
• IPO Services: Subscribe to a new IPO. Enquire about subscription status and share allocation. Trade/Transfer IPO Shares.

Protecting our customer's personal and financial information, and providing a secure online environment to transact with us is a top priority at Samba. Our security technologies and processes are continuously evaluated to ensure that they are maintained to the highest possible standards. We employ a diverse range of technologies and security mechanisms to ensure the safety, confidentiality and integrity of your information and transactions. Here are some of the security technologies we use:

• Second Factor Authentication.
• Secret Image/Phrase.
• Trusted Computer.
• Firewall.
• Individualized password.

Samba eStatement is an electronic version of your banking statements. You can view them on SambaOnline or via a link in the email we will send you at the beginning of each month in a convenient and secure manner anytime, anywhere. Samba eStatement are much more environment friendly as they replace your current paper statements you receive in the mail.

Samba eStatement are a replica of the paper statement you are accustomed to and offer the convenience of accessing them instantly when you need them. They are much faster than physical statements, reduce clutter and take away the bother of filing. You can also download and print them at your convenience.

Samba eStatement look exactly like the paper statements that you receive now. Please click here to see a sample (PDF-183KB).

This service is offered free of charge to all Samba customers.

All Samba customers with an active banking account.

Your eStatement will be available on SambaOnline or can be reached via a link in the email we will send you at the beginning of each month.

How often will I receive my eStatement?

• Your eStatement will be available on the first day of each month. You will receive an email notifying you when your latest eStatement is available.

• Login to SambaOnline.
• Click on the green leaf shown near your account number.
• Read and agree to the Terms & Conditions.s.
• Confirm your subscription.

You can also call SambaPhone or visit your nearest Samba branch to subscribe.

From SambaOnline:

• Login to "SambaOnline."
• Click on "eStatement" under the main Accounts tab in the SambaOnline banking services page.
• Select the account for which you want to view the eStatement.
• Choose the month for which you want to view the eStatement.
• Click on "Submit."
• Enter your National ID/Iqama to open the PDF file.

From Email:

• Click on "View eStatement" button in the email we send you at the beginning of each month.
• Log in to the page by entering your national ID/Iqama and the last four digits of any valid account you have.
• Enter the Image code and click on "submit."
• Enter the one-time password we will send to your mobile number or push the button on your samba security token device to authenticate your login.
• Select the account for which you want to view the eStatement.
• Click on "Download."
• Enter your National ID/Iqama to open the PDF file.

You can access your eStatement from any personal computer with an internet connection and Adobe Acrobat to read PDFs.

Yes, eStatement is a reliable and secure way of receiving your account statement. Your eStatement is protected with a password that only you will know. Furthermore it is stored behind firewalls and is transmitted to your Internet browser using 128-bit encryption.

Your eStatement will be available for at least twelve months from the date of issue.

Yes, you can cancel receiving the eStatement and revert to paper statement at any time.

To cancel eStatement:

• Login to SambaOnline.
• Click on "eStatement" under the main Accounts tab in the SambaOnline banking services page.
• Click on the Unsubscribe tab.
• Select the account for which you want to unsubscribe.
• Click on "Submit."

You can also call SambaPhone or visit your nearest Samba branch to unsubscribe.

Your eStatement will still be available on SambaOnline. Please check if your email inbox is full and if you have updated us about any change in your email address.

eStatement is delivered in PDF format. To view, save and print a PDF document you will need to have Adobe Acrobat Reader (a free application available at www.adobe.com) on your computer. If you don't have Acrobat Reader and would like to install it now, please visit www.adobe.com.

Yes. You will have to read and agree to the Terms & Conditions pertaining to the service.

No. If you choose to receive eStatement, you will automatically stop receiving paper statements by mail. You can revert to paper statements, you will no longer receive eStatement, by visiting SambaOnline, calling SambaPhone, or visiting any Samba branch.

• Login to "SambaOnline."
• Click on "Profile" at the top right corner of your relationship summary page.
• Click on "Modify."
• Update your email address and save the changes.

You can also call SambaPhone or visit your nearest Samba branch to update your email address.

No. You can only define one email address to receive eStatement notifications.

No. However your first statement will cover the full month you subscribed in. For example, if you subscribe to eStatement at any time in the month of July, your first eStatement on August 1st will cover the full month of July.

The existing online statement that you have access to on SambaOnline is a summary of the account activities for a given period. However, an eStatement is a legally approved alternative for the physical paper statement and can be considered as an official document. It also shows complete details of all your transactions.

Please call SambaPhone on 8001242000 to have it rectified.

Please call SambaPhone on 8001242000 to report any discrepancy or error in your account before sixty days.

Samba Credit Card e-statement is an electronic version of your Credit Card statement. You can view it in a convenient and secure manner anytime, anywhere on SambaOnline or through a link in the notification email you will receive every month on your statement date. Samba Credit Card e-statements are much more environment friendly, replacing your current paper statements you receive in the mail.

A Samba Credit Card e-statement is a replica of the paper statement you are accustomed to and offers the convenience of instant access whenever needed. It is much faster than the physical statement, reduce clutter and take away the bother of filing. You can also download and print it at your convenience.

A Samba Credit Card e-statement looks similar to the paper statements that you receive now. Please click here to see a sample (PDF-183KB).

This service is offered free of charge to all Samba customers.

All Samba cardholders with an active Samba Credit Card account can subscribe.

Your Samba Credit Card e-statement can be viewed on SambaOnline or through a link in the notification email we will send you on your statement date each month.

How often will I receive my Samba Credit Card e-statement?

• Your Samba Credit Card e-statement will be sent to you every month on your statement date. You will receive an email notifying you when your latest Samba Credit Card e-statement is available.

• Login to SambaOnline.
• Click on the green leaf shown near your Credit Card account number.
• Read and agree to the Terms & Conditions.
• Confirm your subscription.

You can also call SambaPhone or visit any Samba branch to subscribe.

From SambaOnline :

• Login to SambaOnline
• Click on "Samba Credit Card e-statement" under the main Credit Cards tab in the SambaOnline banking services page
• Select the Credit Card account for which you want to view the statement
• Choose the month/date for which you want to view the statement
• Click on "Submit."
• Enter your National ID / Iqama to open the PDF file

From Notification Email:

• Click the "View Samba Credit Card e-statement" button in the notification email you receive on your credit card statement date
• Login to the page you land on by entering your national ID/Iqama and the last four digits of any valid Samba Credit Card account you have
• Enter the Image code and click on submit
• Enter the one time password we send to your mobile number or from your Samba security token device to authenticate your login
• Select the Credit card account for which you want to view the statement
• Choose the month/date for which you want to view the statement
• Click on Download
• Enter your National ID / Iqama to open the PDF file

You can access your Samba Credit Card e-statement from any personal computer with an internet connection and Adobe Acrobat to read PDFs.

Yes. Samba Credit Card e-statements are a reliable and secure way of receiving your credit card account statement. Your Samba Credit Card e-statement is protected with a password that only you will know. Furthermore it is stored behind firewalls and is transmitted to your Internet browser using 128-bit encryption.

Your e-statement will be available for at least six months from the date of issue.

Yes. You can cancel receiving Samba Credit Card e-statements and revert to paper statements at any time.

To cancel eStatement:

• Login to SambaOnline.
• Click on "Samba Credit Card e-statement" under the main Credit Card tab in the SambaOnline banking services page.
• Click on the Unsubscribe tab.
• Click on "Submit."

You can also call SambaPhone or visit your nearest Samba branch to unsubscribe.

Your Samba Credit Card e-statements will still be available on SambaOnline Please check if your email inbox is full and if you have updated us about any change in your email address.

Samba Credit Card e-statements are delivered in PDF format. To view, save and print a PDF document you will need to have Adobe Acrobat Reader (a free application available at www.adobe.com) on your computer. If you don't have Acrobat Reader and would like to install it now, please visit www.adobe.com

Yes. You will have to read and agree to the Terms & Conditions pertaining to the service.

No. If you choose to receive Samba Credit Card e-statements, you will automatically stop receiving paper Samba Credit Card statements by mail. You can revert to Samba Credit Card paper statements if you no longer wish to receive e-statements by visiting SambaOnline.

• Login to "SambaOnline."
• Click on "Profile" at the top right corner of your relationship summary page.
• Click on "Modify."
• Update your email address and save the changes.

You can also call SambaPhone or visit your nearest Samba branch to update your email address.

No. You can only define one email address to receive eStatement notifications.

No. However your first statement will cover the full month you subscribed in. For example, if you subscribe to e-statements at any time in the month of July, your first Samba Credit Card e-statement after that will cover the full month of July.

The existing online statement that you have access to on SambaOnline is a summary of the account activities for a given period.However an e-statement is a legally approved alternative to the physical paper statement and can be considered as an official document. It also shows complete details of all your transactions.

Please call SambaPhone on the phone number that appears on the back of your card to have it rectified.

Please call SambaPhone on the phone number that appears on the back of your card to report any discrepancy or error in your Credit Card statement before thirty days.

As a SambaMobile application user you will have access to the following services anytime, anywhere:

• Quick and easy registration to SambaMobile service directly from the SambaMobile application.
• Add beneficiaries at Samba, any local or international bank or for Charitable Accounts.
• Transfer funds to beneficiaries.
• Transfer funds through SpeedCash service.
• Add utility bills.
• Perform SADAD payment for a variety of bills.
• Pay for government services such as Ministry Of Interior services and fines for traffic violations.
• Pay credit card dues of your own card and pre-defined cards.
• Locate special offers for Samba customers available close to where you are.
• View special offers and promotions for Samba customers.
• Subscribe or inquire about IPOs.
• View graphic representation of your accounts and credit card spending.
• View account transactions up to one year.
• View credit card transactions up to one year.
• Locate Samba branches and ATMs.
• Reset your password.
• View the latest news about Samba.
• Contact SambaPhone through the application.

If you are a SambaOnline user, all you need to do is download the SambaMobile application and log-in using your SambaOnline credentials. If you are not a SambaOnline user, you can enroll directly from the application by clicking on “New user registration” and following the below instructions:

• Enter your ATM card number and its PIN. If you don’t have an ATM card, enter your Credit Card number and its PIN.
• Enter the authentication code which will be sent to your mobile number registered with Samba (Should you wish to update your mobile number, please visit your nearest Samba ATM or branch).
• Create your user name and password. Choose your preferred language and enter your e-mail address.
• Read the Terms & Conditions for SambaMobile registration and click I agree.
• Click on log-in to SambaMobile and provide the username and password you’ve just created in the enrollment process.
• Enter the authentication code which will be sent to your mobile number registered with Samba.
• Now you can view your Samba account details and perform your banking transactions in a safe and secure manner.

The SambaMobile application is compatible with Smartphones and tablets operating on the following platforms: iOS (Apple), Android, Windows 7.5 & 8 and Blackberry.

No special settings are required to run the SambaMobile application.

You need to have either a Wi-Fi connection or 3G/4G connection which can be obtained from your phone service provider.

Before downloading the application please check if you have sufficient phone memory available. If not, remove some files or clear cache to create room.

This is dependent on the Wi-Fi connection or 3G/4G signal.

Yes, you can access the SambaMobile application as long as you have a Wi-Fi connection or 3G/4G connection.

You only need to pay for the Wi-Fi connection or 3G/4G connection charges from your Telecom company. Please check with your service provider on the charges applicable for GPRS connection.

Just log-in to SambaMobile on your mobile device using your username and password. You can then authenticate your log-in using the one-time password that will be sent to your mobile number registered with Samba. For your convenience this password will be sent using flash SMS and will appear on your screen. Please ensure that you have registered a valid mobile phone number with us to receive the one-time password. You can also use your Samba security-token device should you have one.

SambaPhone is a call centre service from Samba which provides efficient 24/7 banking services anywhere in the world.

SambaPhone is available 24 hours a day and 7 days a week.

You can contact SambaPhone through the following numbers.

Click below to know more about the SambaPhone services.
SambaPhone-Services

You can reach us through SambaOnline, SambaMobile , Samba ATMs or visit us in any Samba branch

Yes, only if you are one of the following customers:

Yes, SambaPhone has a well structured authentication method which ensures full security.

Yes, all SambaPhone calls are recorded. Additional to that, the customer is always able to get a receipt for any transaction that has been done through SambaPhone.

Becoming a SambaConnect e-merchant is so easy.

• First, open a Samba Financial Group current account (if you do not have one).
• Sign the SambaConnect agreement form specifying the terms and conditions of the service.
• Implement the SambaConnect module on your online shop

For more details, please Contact Us

No need to get a new ID or password. Your Samba.com User ID and password will work with SambaConnect. Simply register for SambaConnect services on Samba.com and create an e-wallet containing your preferred payment options. For more details, please call Sambaphone at 800-124-2000.

You must first register for Samba.com services. Registration is easy and can be done here or by visiting Samba.com Once registered on Samba.com, you can then register for SambaConnect services and create your SambaConnect e-wallet. Your new Samba.com User ID and password is all you need to access SambaConnect services.

For more details, please call Sambaphone at 800-124-2000.

When you register for SambaConnect services, you can create your own SambaConnect e-wallet for secure online payments. It’s a virtual wallet containing all the credit cards, bank accounts and SambaConnect account that you wish to pay with online.

• Debit from your Samba current and savings account.
• Debit from non-Samba current and savings accounts.
• Samba Visa and MasterCard credit cards.
• Visa and MasterCard credit cards issued by other banks.
• SambaConnect Account.

A SambaConnect Account is an account that you create online for Internet purchases. You can credit money into your SambaConnect account from your real bank account as the need arises.

Yes, you can take advantage of secure online payments on SambaConnect by using bank accounts and credit cards issued by other Saudi banks. For more details, please call Sambaphone at 800-124-2000.

To use other bank accounts for SambaConnect payments, you need to establish a direct debit arrangement with your bank. This involves completing a direct debit mandate form, getting approval from your bank and presenting it at any Samba service it at any Samba branch. At the branch, Samba Customer officers will register you for SambaConnect and help you add your non-Samba credit cards into your SambaConnect e-wallet. For more details, please call Sambaphone at 800-124-2000.

• Direct debit from your non-Samba current/savings account.
• With your non-Samba Visa or MasterCard credit cards.
• With your SambaConnect Account

A sub-profile is a user that you have allowed to make online purchases using one or some of the accounts or cards in your SambaConnect e-wallet. You can create a sub-profile for your children, wife or friend. You can set financial limits and specify the allowed payment methods for every sub-profile.

Your company’s existing SambaAccess users can use their existing SambaAccess User ID and password to access SambaConnect. However, your company will still need to register for SambaConnect services and specify the makers and verifiers for SambaConnect transactions. For more details, please Contact Us

This is a security control number used for Internet Visa and MasterCard transactions. It is a three-digit number found on the signature panel on the backside of your credit card.

When you are a registered SambaConnect user, you can access more services, broaden your payment options and enjoy a more secure online shopping experience.

• Use any of your bank accounts or credit cards
• Create a sub-profile allowing other people to have controlled access to your e-wallet (see next item)
• Use your User ID and password for added protection
• Create a SambaConnect Account. You can also set spending limits on your SambaConnect Account, beyond which purchases will be automatically declined.
• Create a SambaConnect Account. You can also set spending limits on your SambaConnect Account, beyond which purchases will be automatically declined.

Please contact your relationship manager, or click here to know who to contact to register for SambaConnect.

Yes, you can. You can use direct debit from your non-Samba bank accounts as a payment method. But first, you must register for SambaConnect. To get in touch with the SambaConnect team, click here.

You will need Microsoft Internet Explorer 5.0 or higher.

A credit card is a flexible and convenient way to pay. It's ready credit that you can take anywhere, giving you more financial flexibility and allowing you to take care of unexpected emergencies. It lets you pay for your needs today and pay back later in full or in convenient installments if needed. Carrying a credit card is also safer than carrying cash, especially when travelling. You can even withdraw cash in the currency you need should the need arise.

We offer the Kingdom's widest selection of credit cards, letting you choose the card that best suits your lifestyle and financial needs. Whether you're looking for a basic credit card or one that lets you collect and redeem points on travel and merchandise, Samba has the right credit card for you. Samba credit cards are accepted worldwide. You can count on our 24-hour worldwide customer service for any need or emergency around the world. Best of all, Samba credit cards are packed with a comprehensive array of innovative features including:

• Taqseet extended payment plans
• Dial-A-Draft for payments which cannot be made with a credit card
• Utility bill payments
• Free supplementary cards for your loved ones*
• Free Low-Limit Card for online shopping
• Non-stop offers and exclusive deals at your favorite merchants and establishments in the Kingdom and abroad

Depending on the type of Samba credit card you carry, you can also earn points for free Sony products, free shopping vouchers at Al Mamlaka Shopping Mall, free travel insurance, free air miles from Saudi Arabian Airlines and free Mobily Neqaty points as you shop.

*Some cards are not included

One of the unique privileges of being a Samba credit cardholder is being able to enjoy a special welcome and a host of exclusive deals, discounts and privileges at the finest places everywhere. This is part of our continuing efforts to help our cardholders enjoy the very best prices and privileges wherever they go. We are constantly adding to our list of participating merchants, and we issue regular updates several times a year to alert our cardholders of fresh, new deals.

Your Samba credit card can be used at any establishment that accepts Visa or MasterCard anywhere in the world. Use it to pay for goods and services at shops worldwide including supermarkets, hotels, airlines, hospitals, jewelry shops, department stores, car rentals, restaurants, petrol stations, travel agents and many others - a list which is growing by the day. You can also use your credit card to withdraw cash at ATMs, banks and financial institutions worldwide.

Yes, with a Samba credit card, you can pay for all your financial needs that are not covered by other credit cards like utility bills, home renovations, tuition fees, car installments, and even rent. Just pay for them using a draft or check that is charged to your Samba Credit Card. You can pay back in monthly installments just like any other credit card purchase.

Samba offers a range of easy payment methods to help you make your credit card payments anytime, anywhere. You'll never need to worry about making timely payments. You can pay through convenient online banking over the Internet, over the telephone, in person at one of our branches, or at a conveniently-located ATM.

Yes, there are various extended payment plans as part of our Taqseet program. Just convert any of your card purchases into a Taqseet transaction and enjoy a longer payment period of up to 36 months. During this extended payment period and depending on your Taqseet transaction, you may be able to enjoy preferred rates - or even a zero-percent service charge.

Samba offers the widest choice of the Kingdom's most preferred credit cards, both conventional and Islamic, each designed to match your specific lifestyle or spending needs. Our goal is to give you more choices to meet your growing needs. There's a special Samba credit card for you, your spouse and children, for frequent shoppers or stereophiles, for online shoppers and frequent flyers, and even for individuals with very high spending needs.

Samba offers a wide choice of co-branded credit cards designed to reward your distinctive lifestyle. These cards let you enjoy all the superior advantages of a Samba Credit Card while enjoying additional rewards every step of the way. Are you an electronics fan or a home entertainment aficionado? Then get a Samba Sony Card. Each time you shop, you earn Sony points redeemable for free Sony items or discounts at any Sony showroom in the Kingdom. Do you love shopping? Then perhaps the Samba Al Mamlaka Card is best for you. Each time you use it, you earn extra points you can use to shop for free at the Al Mamlaka Shopping Mall. Are you a frequent traveler? Then apply for a Samba Al Fursan Al Khair card. It's the only Islamic credit card that earns free Saudia air miles as you shop - air miles you can exchange for free Saudia flights anywhere in the world. Are you a Mobily customer? Then apply for a Samba Mobily Al Khair card. It's the first Islamic telecom credit card that earns free points as you shop. Points you can use to redeem for many benefits. Do you shop regularly at Panda or HyperPanda stores? Earn points as you shop anywhere with a Samba Panda AlKhair Credit Card and redeem them against purchases at Panda or HyperPanda stores. Do you shop at Jarir Bookstore? Earn points as you shop anywhere with a Samba Jarir AlKhair Credit Card and redeem it against purchases at Jarir Bookstore.

The Samba Titanium Credit Card for ladies has been designed to meet their needs specifically. It offers a variety of privileges and fabulous perks including discounts at the finest jewelry shops, beauty spas and shopping destinations.

Yes, you can. And we've made it so much easier than ever before. Now, you can give up to four (4) supplementary cards to any of your immediate family members who are over 18 years old, including your wife, son, daughter and even your parents - for FREE *. You can also set a separate credit limit for each card, giving you full control. With their own supplementary credit cards, your loved ones can share in your superior Samba credit card privileges anywhere they are, even when you are not around.

*Some cards are not included

Samba Credit Cards offer a Credit Shield program, an optional insurance service for cardholders that protects you and your family from credit card debt in case the unexpected happens. The program covers all credit card debt up to the outstanding balance of the cardholder in case of the following events:

• Death due to accident or sickness*
• Total permanent disability due to accident or sickness*
• Temporary total disability due to accident or sickness*

This service can be availed of by paying a minimal charge of 0.49% per month of your total outstanding balance. For example, if your outstanding balance is SR10,000 for a particular month, the charge will be SR49 for that month.

If your card is ever lost or stolen, call the 24-hour toll-free number listed on the back of your Samba Credit Card immediately. Once you have informed us of the loss, we will block the card from future use and issue a new card to you within 24 hours.

Samba Al-Khair Home Finance is a Shariah-compliant solution with a fixed monthly repayment schedule. Samba Financial Group will first purchase and own the property that you choose. This will then be sold to you through Al-Khair Home Finance, after entering into a finance agreement with Samba. Under this agreement you will pay the price (cost of the property plus a profit) to Samba in regular monthly installments. The title of the property will be held through a legal trustee (Al-Adl) and will be transferred to you as soon as all your monthly installments are paid.

You can get a mortgage to finance a ready villa, ready apartment, residential apartment building, home under construction (incomplete) or plot of land.

Yes. A Samba Al-Khair Home Finance comes with free Takaful Insurance; In case of death or permanent total medical disability, God forbid, all outstanding amounts will be considered paid subject to final approval to terms and conditions of insurance policy.

There are different eligibility requirements to qualify for an Al-Khair Home Finance.

We offer a competitive mark-up rate that will depend upon a number of factors including the value of the property, tenor and type, the term of the home finance and your personal circumstances. The mark-up rate will be fixed for the entire finance period and your monthly installments will not change for the duration of your finance.

The amount that you can borrow with a Samba Al-Khair Home Finance will depend upon your personal circumstances. In general we provide finance up to SR 5,000,000.

For information about your application please call us on 800 124 1010.

The monthly repayment amount of a Samba Al-Khair Home Finance will depend upon the finance amount, the term of the home finance and your personal circumstances.

Yes. You can get a Samba Al- Khair Home Finance under joint names.

Yes. You can repay earlier than the tenor you have availed subject to the Bank's approval. For more information please call SambaPhone at 800 124 1010 or visit your nearest Samba branch.

Samba Al-Khair Personal Finance is a Shariah-compliant solution that can help meet your finance needs with flexibility and convenience. Samba Al-Khair Personal Finance is based on Tawaroq by the purchase and sale of local commodities and does not require a guarantor. It has a fixed monthly repayment schedule.

Al-Khair Personal Finance offers the following benefits:

• Finance up to SR 1,500,000
• Simple documentation
• Competitive profit rate
• Repayment period of up to 60 months, depending on your current age and retirement age
• No guarantor required
• Opportunity to top-up your Al-Khair Personal Finance
• Instant approval over the phone
• Quick release of your personal finance
• Get your existing personal finance settled by Samba
• Fixed profit rate for the entire finance period. Your monthly installments will not change for the duration of your finance.
• Free Takaful insurance

Yes. An Al-Khair Personal Finance comes with Free Takaful insurance; in case of death or permanent total medical disability, God forbid, all outstanding amounts will be considered paid. Subject to final approval to terms and conditions of insurance policy.

There are different eligibility requirements to qualify for an Al-Khair Personal Finance.

Yes, Samba will open an account for you to fund the personal finance and pay the monthly installments.

This will depend on submission of required documents, approvals and receipt of salary in the account in the case of some employers.

The amount that you can borrow with an Al-Khair Personal Finance will depend upon your personal circumstances. In general we provide finance up to seventeen times your salary.

The monthly repayment cost of a Samba Al-Khair Personal Finance will depend on different factors; amount borrowed, monthly salary, Personal Finance Tenor and other information in your SIMAH report.

Installment payments can be made in many convenient ways such as:

• by direct debit standing instruction from your Samba account
• by telephone through our 24-hour SambaPhone
• by cash or cheque at any Samba branch nationwide
• by cash or cheque through ATMs and Cheque Deposit Machines at selected Samba branches
• by cheque through mail

No you don't have to provide any security, collateral or guarantee.

The Late Payment Charge is 4% of the installment or SR.150/- whichever is more.

• Completed application form
• A clear photocopy of a valid ID or Iqama
• Certificate of employment stating job title, joining date, monthly income and allowances, if any
• Salary transfer letter from the employer

It is an account that gives you the power to manage your finances more efficiently and conveniently. Samba Al-Khair Current Account will give you the chance to enjoy an integrated world class banking services which agrees with the Islamic Sharia.

• Free check book and ATM card
• Enjoy superior, unlimited access to your account day or night, 7 days a week, anywhere in the world through Samba ATMs, Sambaphone and SambaOnline.
• Get regular SMS or e-mail alerts about your account plus updates on your latest transactions via Samba@lert service.
• Bank securely anywhere, anytime on your mobile phone with SambaMobile service.
• Standing instruction facility.
• Utility payments.
• IPO services.
• Salary Transfer facility.
• Assistance from our branch officers in opening a Shairah-compliant Sambacapital investment account
• Shariah-compliant Structured Treasury Products

To open a Samba Al-Khair Current Account: Please visit any of our Samba Branches, or call Sambaphone on 800 124 1010

It is an account that gives you the power to manage your finances more efficiently and conveniently. And since it is the bank's main product, Samba Current Account will give you the chance to enjoy an integrated world class banking services

• Free check book and ATM card
• Unlimited day-and-night access to your account, 7 days a week, anywhere in the world through Sambaphone, SambaOnline and ATMs
• Get regular SMS or e-mail alerts about your account plus updates on your latest transactions via Samba@lert service.
• Bank securely anywhere, anytime on your mobile phone with SambaMobile service.
• Account available in Saudi Riyal and other major currencies
• Standing instruction facility
• Utility payments
• IPO services
• Salary Transfer facility
• Assistance from our branch officers in opening a Sambacapital investment account
• Access to Structured Treasury Products

To open a Samba Current Account: Please visit any of our Samba Branches, or call Sambaphone on 800 124 1010

Samba Stars is a bank account specially designed for children and teenagers below 18 years old. It's a whole learning experience designed to give young people their first brush with life's bigger lessons, like financial responsibility and saving for the future. Samba Stars Account Features.

• Available for kids and teenagers below 18 years of age.
• Samba Stars ATM card with special designs for boys and girls
• Available for kids over 10 years old and subject to approval of the guardian
• ATM withdrawal limit of SR100 daily

To open a Samba Star Account: Please visit any of our Samba Branches, or call Sambaphone on 800 124 1010