This package comes in a unique design catering for a variety of banking products and services that meet a wide range of customer’s needs and wishes, especially in areas of investments and personal and family welfare in the future.

This package is available for the private or public sector employee with a monthly salary of at least SR10,000. The package consists of:

You will automatically enjoy the following basic products:

Current Account – No monthly fees, if you keep a monthly average balance of not less than SR3,000.00

International ATM card – (Free of Charge)
You will be able to use your card to withdraw cash from ATMs and pay for your purchases through POS terminals inside the Kingdom and worldwide. No annual fees charged.

Riyad Bank Gold Credit Card (50% discount on first year’s membership fees* and full exemption from following years’ annual fees. You may obtain an additional card for a member of your family and Internet credit card. You will enjoy the least interest rates payable on credit cards in the Kingdom.

* (The customer pays the first year’s initial fees in full, but 50% thereof will be credited to his card account)

RiyadNet – for remote banking services
All you need is a user’s ID and password, and you will be able to access RiyadNet channels and do most of your banking transactions round the clock and from anywhere. These channels are:
RiyadLine - Telephone banking (800 124 2225)
Riyadonline - Internet banking
Riyadmobile - Mobile phone banking
RiyadATM - ATM banking

Checkbook (Optional)
You may select your special Checkbook design from among a range of designs. However, a Checkbook will provide you with an additional secure tool to meet your financial obligations.

You may select at least one of the following products:
Invest your money with number one Bank for investment performance in the Kingdom in 2003, through a wide range of investment funds and portfolios that have won a number of best performing funds awards over six years in a row. You may choose from the following:

Riyad Investment Portfolios (5% discount on the initial fees)

Riyad Funds (with initial subscription amount reduced to SR5,000. plus 5% discount on initial subscription fees)

As a Riyad Packages customer you will be entitled to a credit facility of up to 50% of your monthly salary, at any time, thus enabling you to face any contingency.

Personal Finance (exempt from administration charge of SR1,000.)
You will be eligible to a personal / tawarruq finance to obtain ready cash to cover your financial needs and 25 points discount of service charge.

Murabaha Home Finance (You may postpone the first two repayment installments and pay them at the end of the finance schedule at no extra charge)
You can now have your own house through this Murabaha Home Finance approved by our Islamic Banking Sharia Committee.

Personal Financial Planning (Bena’a)
It is a savings investment plan designed, in collaboration with our certified personal financial planners, to help you set plan early for your personal and family targets, i.e. education of your children, having your own house and planning for your retirement while preserving these goals by our family protection benefit.

Islamic Return Account (minimum balance SR40,000.)
It is the Sharia-compliant way for growing your money with principal amount guaranteed and at no risk. You will be entitled to receive a fixed return over a specified period. It is the Islamic alternative for time deposit account.

This program consists of a number of Riyad Bank optional services which you may choose them all. They are as follows:
Rewards Program – It entitles you to a non-interest bearing Murabaha Finance, repayable by convenient monthly installments over a flexible period, to enable you purchase:

Improve your personal skills in computer and English language at New Horizon Institute, one of the leading training institutions, and enjoy a discount available for Riyad Packages customers only.

Best Doctors Program–(50% discount on annual subscription fees) It is a medical consultancy service that gives you access to a database of top 50 000 physicians and specialists all over the world; help you obtain a second medical opinion; arrange for your medical appointments and hospitalization and entitles you to a discount of up to 25% on medical treatment bills at USA hospitals.

HealthCare (Global Health Insurance Program)
A global health care program for the treatment of formidable diseases, outside the Kingdom, at best highly reputable hospitals worldwide with a coverage limit of USD500,000. Moreover, this program gives you access to second medical opinion and an invaluable support with travel and accommodation arrangements.

This program enables you to take precautions against possible accidents and provides financial protection for you and your family at less than SR2.00 a day. No medical checkup is required. The coverage is up to SR2,000,000.