Frequently Asked Questions

No, you have to activate the credit card first through Riyad Bank branches, Riyad Bank 24/7 Customer Service Center at (+966) 920002470 or Riyad Online.

The annual fee is waived for the first year of issuance. For more information about other card fees, please visit Credit Cards webpage.

You can view all transaction done with your card through Riyad Online and Riyad Mobile, and you can view and print your card’s monthly statement as well.

You have to register for Riyad Online service then your credit card will be listed automatically among your accounts in Riyad Online.

Call (+966) 920002470 immediately to report your card loss whether you are inside or outside the Kingdom.

Yes, you can change your PIN through Riyad Bank ATMs.

You will be automatically enrolled in Hassad Rewards Program without the need to register (some cards are excluded).

There are no risks whatsoever, all what you need to do is to activate the card’s 3D Secure feature which is provided free of charge by Riyad Bank to protect your online transactions. In addition, we recommend that you avoid suspicious or unknown websites when purchasing online.

Yes, you can easily do that through Riyad Bank Qasset Installment Program (some cards are excluded); just choose the desired plan then contact Riyad Bank Call Center to execute your request. For more information visit our Credit Cards offers page.

Yes, you can request an increase of your credit card limit through Riyad Online, Call Center or any of our branches.

Yes, some of our cards give access to airport lounges. For more information, please visit the Credit Cards webpage.

The Riyad Bank Contactless Credit Card has a chip and a radio frequency antenna embedded. When the Contactless Credit Card is tapped against a terminal enabled for contactless payments, the card transmits payment details wirelessly, eliminating the need to insert the card. Account details are communicated to the reader and then processed through the secure Visa or MasterCard® acceptance network in the same way as had you inserted the card.

The Riyad Bank Contactless Credit Card uses secure encryption technology (the same as CHIP and PIN) so you can confidently use it. Besides, it never has to leave your hand when a payment is made, you will always be in control – giving you added security to the card.

Anywhere with a Contactless payment PoS Machine, the card can be used to tap and pay. If a contactless PoS machine is not available, the Contactless card can still be used for swipe or dip transactions.

A retailer with a PoS machine showing a contactless symbol  displayed on it, is enabled for contactless payments.

You need to be at least 4cm away from a PoS terminal to waive for a purchase otherwise you can also directly ‘tap’ on the terminal screen.

Purchases made in contactless mode will be displayed in the statement just like any other purchase made with a regular card.

You will hear a beep/see a light and receive a slip from the merchant, as well as receive an SMS and e-mail on your registered contact details once the transaction is successful.

You can use your Riyad Bank Contactless Credit Card to pay for items up to the value of SAR 100. For purchases over SAR 100 you will need to enter your PIN.

Your maximum spend per transaction is SAR 100. Your Riyad Bank Contactless Credit Card is capped at SAR 300 - which limits any possible loss. Once this limit is reached, you will be asked to enter your PIN and the count is reset to zero till you reach the cap of SAR 300 again.

Not at all. Should the card be tapped more than once at the terminal, you will only get billed once for the purchase.

The contactless technology works only when the card is waved at a maximum range of 4cm.
Should you be within proximity of a contactless terminal, no accidental transaction can take place as the cashier must first enter the amount on the PoS machine before the card is waived or tapped and payment is processed.

Contactless only works when a card is close to the card reader. This makes it extremely difficult for any details to be intercepted while in use. Also, each card reader contains security technology based on industry-wide standards.

Yes it is. Contactless uses the latest secure encryption technology (same as Chip and PIN) so you can feel confident when using it to pay for items.

No, you cannot ‘Tap’ or ‘Waive’ to get cash out of an ATM using your contactless credit card. You will have to insert your Riyad Bank Contactless Credit Card into an ATM and enter your PIN as you normally do.

You should call 920002407 to report your card lost or stolen or visit the nearest Riyad Bank Branch to have the card blocked.

The Virtual Card is designed especially for online purchasing and can be used at any merchant website that accepts Visa Cards. The customer can apply and obtain the card instantly through Riyad Online without the need to obtain a plastic card.

The Virtual Card information includes:

1. Customer name
2. Card number
3. Expiry date
4. Security code comprised of 3 numbers

Step 1: OPEN a current account at Riyad Bank
Step 2: REGISTER for Riyad Online
Step 3: APPLY for a Virtual Card via Riyad Online and accept the terms and conditions
Step 4: LOAD your Virtual Card from your current account
Step 5: PURCHASE using your Riyad Bank Virtual Card number and security details

Your Virtual Card is valid for 3 years, as shown on the expiry date.

You can transfer funds to your Virtual Card from your current account via Riyad Online.
The amount transferred will be available in your Virtual Card account within minutes.

You can use your Virtual Card on any website where Visa Credit Card is accepted.

Yes. You can load and reload any amount / any time based on the limits mentioned in the terms and conditions.

No, each Virtual Card has a separate limit.

The minimum load limit is SAR 10 and the maximum load limit is SAR 37,500.

We recommend that you keep your Virtual Card information in a safe place. You should treat your Virtual Card number and security details with the same protection as you would do for a physical credit card.

If your Virtual Card info is stolen or compromised, you can block your Virtual Card through Riyad Online free of charge. Alternatively you can call Riyad Bank call center at (+966) 920002470 and we will block it for you.

You can check your Virtual Card available balance and transactions history online any time and free of charge. Login to your Riyad Online account, click on the card statement tab and follow the applicable prompts.

If you have any concerns about a transaction on your Virtual Card, you should always contact the merchant directly to resolve the issue.

If you are unable to resolve the issue with the merchant, you can contact Riyad Bank call center on (+966) 920002470.

If you attempt to use your Virtual Card for a transaction that is greater than the remaining available balance, the transaction will be declined.

There are no issuance fees nor interest payments. A markup fee applies to non-Saudi Riyals transactions.

A full list of fees and charges can be found in the Virtual Card terms & conditions.

You can apply for a maximum of 5 Virtual Cards.

Yes, you can by calling Riyad Bank Customer Service Center and asking an agent to return the amount in your Virtual card account to your current account.

No, this service is free of charge.

A One Time Password (OTP) is a 4 digit dynamic password (4 numbers) that you will now receive via SMS to your registered mobile phone number every time you make a purchase at a 3D Secure participating merchant’s website using your Riyad Bank Credit Card.

It has been designed to give you added security and peace of mind every time you shop online at any participating 3D secure merchant’s website.

Your existing static username and password is no longer valid. You will now receive an OTP which replaces your current static password. The One Time password will be sent to you via SMS every time you purchase online at any participating 3D Secure merchant's website.

No. The existing static username and password is no longer valid and the new dynamic OTP will be sent to you every time you purchase online from any participating 3D Secure merchant's website.

1. Shop online and proceed to the checkout
2. Input your 16 digit Riyad Bank Credit Card number, Name as it appears on the Riyad Bank Credit Card, Expiry date and CCV number when prompted
3. You will then be asked for an OTP which you will receive via SMS on your registered mobile number
4. Enter the OTP in the pop additional screen
5. Transaction is completed – Riyad Bank will then send an authorisation to the merchant and your transaction will be completed

This process is fully protected and invisible to the online merchant.

1. There’ll be no need for registration and activation up-front
2. There’ll be no need to remember a username and password
3. There’ll be no need to phone to unblock 3D Secure passwords
4. It reduces the risk of your 3D Secure password being compromised or phished
5. It provides additional level of protection when shopping online

No. This is to ensure safety of the data. If for any particular reason you are unable to receive the OTP click on “Can’t receive OTP” and you will be asked to authenticate yourself.

In case you haven't received the OTP then you may choose to resend the OTP to continue using this functionality. However, please wait for a minute or 2 before using this option.

The registered mobile number is your mobile number you gave to Riyad Bank to contact you on which is linked to your Riyad Bank Credit Card and/or Account.

You can update your mobile phone number by calling the Riyad Bank Call Centre on (+966) 920002470 or by visiting any Riyad Bank Branch.

Please note that the OTP is valid only for 10 minutes. After that you will be directed to start your transaction and check out process again.

You are allowed a maximum of 3 OTP attempts after which your card will be blocked. To unblock your card, you have to complete the Validation Elements on the “Can’t receive OTP” screen.

No, you will only receive a One Time Password for every online purchase from any participating 3D secure merchants.

You will see the logos of “MasterCard SecureCode” or “Verified by Visa” as follows when you are performing the online transaction.

Yes, you will receive an OTP via SMS at Riyad Bank’s cost for all local charges but not the roaming charges.

If you did not receive your OTP, you may click on “Can’t receive OTP ” button on the authenticate user screen to complete your shopping manually.

A web message will pop up to inform you that your online purchase is blocked due to maximum attempts for invalid OTP. Please click on “Can’t receive OTP ” button on the authenticate user screen to unblock your card and continue and complete your shopping manually otherwise contact the Riyad Bank Call Centre on (+966) 920002470 for assistance.

Please contact the Riyad Bank Call Centre at (+966) 920002470 or the number located at the back of your Riyad Bank Credit Card to block your card immediately.

Credit Shield is a benefit available on your Credit Card which offers protection to you from the liability of paying the outstanding amount on your Credit Card in case of unforeseen eventualities.

Yes, except for the following cards:

• Purchasing card
• SME card
• Prepaid card

Yes, as the Credit Shield Program insurance is Islamic Takaful.

You should be aged between 18 to 70 years.

Credit Shield covers the following eventualities worldwide:

• Accidental or Natural Death
• Permanent Total Disablement (due to accident & sickness)

You are covered up to a maximum of SR 300,000.00 (one of the highest coverage amount offered in the Kingdom.)

You would have to pay a nominal charge of 0.49% of your total outstanding statement balance. For example, if your outstanding statement balance is SR 1,000 then SR 4.90 will be deducted from your Credit Card account as payment to cover your balance.

No, you will not be charged for as long as your outstanding credit card balance is zero.

Simply call the Riyad Bank Call Center on +966 920002470 and request to have.

Yes. All Credit Cards under your account will be automatically covered under the Credit Shield Program.

Please refer to the Terms & Conditions.

It is a cover associated with MasterCard and Visa for credit cardholders. The cover contains; Travel insurance, purchase protection, Extended warranty, and fraud protection. All you need to do is making your purchases through Riyad Bank Credit Card and you get automatically enrolled to the program. Each card contains specific coverage depends on the card you use.

It’s absolutely FREE subject to condition that items and tickets are bought through Riyad Bank Credit Card.

• All you need to do is purchase your items & travel tickets through Riyad Bank Credit Card and you get automatically enrolled to the program
• The credit card should be active

Travel Insurance is a benefit available on your Signature Credit Card which offers indemnification to you for unforeseen eventualities.

For Customer Service in case of an emergency, call:
24 Hours Assistance Department
+1 817 826 7276

Written notice of service request / claim must be given no later than ninety (90) days from the date of the incident. Failure to give notice to the claims department listed below, within ninety (90) days from the date of the incident may result in a denial of the claim. Notice should be sent to:

SABB Takaful Company
Claims Department
P.O. Box 9086 Riyadh 11413
Kingdom of Saudi Arabia
Tel: +966-11-4408686
Fax: +966-11-2764463
Office Timings: 8:30am to 4:30pm, from Sunday to Thursday
Languages Supported: English / Arabic
customercare@sabbtakaful.com

The Insurer will cover items above USD 100 that an Insured Person purchased entirely through his/her Eligible Card from loss due to Theft and Accidental Damage for 365 days from the date of purchase as stated on the store receipt up to the Cardholders’ per occurrence.

Notice of Claim: Written notice of claim must be given no later than 48 hours from the date of the incident. Failure to give notice within 48 hours from the date of the incident may result in a denial of the claim. Notice should be sent to:

SABB Takaful Company
Claims Department
P.O. Box 9086 Riyadh 11413
Kingdom of Saudi Arabia
Tel: +966-11-4408686
Fax: +966-11-2764463
Office Timings: 8:30am to 4:30pm, from Sunday to Thursday
Languages Supported: English / Arabic

1. The damage or loss of the items must be within 90 days from the purchase date
2. Items given as gifts are included
3. MasterCard will decide whether to have the item repaired or replaced, or to reimburse you (cash or credit) up to the amount charged to your payment card, and not to exceed the original purchase price
4. Items must be purchased entirely with your payment card
5. If the item is part of a pair or set, you will only receive compensation for the value of the stolen or damaged item unless the articles are unusable individually and/or cannot be replaced individually; the theft or damage of an item that is part of a pair or set will be viewed as one occurrence and the coverage limitation still applies
6. Product rebates, discounts or money received from Price Protection will be deducted from the original cost of the item
7. For theft claims, you must provide an official police report regarding the incident to MasterCard within the required time frame

1. Contact MasterCard at +966 (11) 5109300 or email us at mastercard.services@metlifeaiganb.com, within 24 hours of your discovery of theft or damage, to obtain a claim form and instructions on what to do after a loss
2. You shall complete, sign and return the claim form with the following documents:
   • An original receipt showing payment entirely with your payment card
   • Other relevant documents MasterCard may ask you to provide, including but not limited to police reports and/or the repair estimate (for damage claim only)
3. The claims form and accompanying documents must be returned to MasterCard within 5 days of making the original claim
4. For damage claims, you may be required to send in the damaged item(s), at your expense, for further evaluation of your claim

1. You must comply with all terms and conditions by which your payment card(s) is/are issued
2. The damage or loss of the items must be within 90 days from the purchase date
3. Items given as gifts are included
4. MasterCard will decide whether to have the item repaired or replaced, or to reimburse you (cash or credit) up to the amount charged to your payment card, and not to exceed the original purchase price
5. Items must be purchased entirely with your payment card
6. If the item is part of a pair or set, you will only receive compensation for the value of the stolen or damaged item unless the articles are unusable individually and/or cannot be replaced individually; the theft or damage of an item that is part of a pair or set will be viewed as one occurrence and the coverage limitation still applies
7. Product rebates, discounts or money received from Price Protection will be deducted from the original cost of the item
8. For theft claims, you must provide an official police report regarding the incident to us within the required time frame

In the event of a covered loss, you shall:

1. Contact MasterCard at +966 (11) 5109300 or email us at mastercard.services@metlifeaiganb.com, within 24 hours of your discovery of theft or damage, to obtain a claim form and instructions on what to do after a loss
2. You shall complete, sign and return the claim form with the following documents:
   • An original receipt showing payment entirely with your payment card
   • Other relevant documents MasterCard may ask you to provide, including but not limited to police reports and/or the repair estimate (for damage claim only)
3. The claims form and accompanying documents must be returned to MasterCard within 5 days of making the original claim
4. For damage claims, you may be required to send in the damaged item(s), at your expense, for further evaluation of your claim
5. Terms and condition for Platinum and Titanium

Upon the expiration of the Manufacturer’s Warranty, the Extended Warranty Benefit duplicates the terms of the original Manufacturer’s Warranty up to one (1) full year for Covered Purchases that cease to operate satisfactorily and require repairs during the Policy Period. Benefits are provided to pay for the repair or replacement of a Covered Purchase, up to the amount charged for the item or card type’s Per Occurrence Limit (local currency equivalent), whichever is less, subject to (local currency equivalent) the Annual Aggregate Limit.

• Covered Purchases given as gifts are covered
• Covered Purchases include internet purchases
• Covered Purchases do not have to be registered

Notice of Service Request: Written request for service must be given as soon as reasonably possible. Written request for service shall be given within thirty (30) days after the occurrence of any loss. Notice shall be sent to:

MetLife – AIG – ANB Cooperative Insurance Company
Claims Department
Al-Munajem Tower - King Fahed Road - Olaya District
P.O. Box: 56437, Riyadh 11554
Kingdom of Saudi Arabia
Tel.: +966-11-5109300
Fax: +966-11-5109396
Office Timings: 8:30am to 5:00pm, from Sunday to Thursday
Languages Supported: English / Arabic

The new Hassad Reward Program from Riyad Bank offers its credit card holders the widest choice of rewards of any Card program in the Kingdom, simply by earning points through using their credit card.

Upon signing-up for a Riyad Bank Credit Card you will be automatically enrolled into the Hassad Reward Program.

You will automatically be enrolled into the Program.

The excluded credit cards are as follows:

• Purchasing Card
• Charge Card
• CashBack Credit Card

Yes, all additional cards will earn points which will be added to the main card/account.

Absolutely free on condition you have a qualifying Riyad Bank Credit Card.

Every time you use your Riyad Bank Credit Card to pay for goods and services you accumulate points. These points can be exchanged for a wide variety of exciting rewards ranging from shopping, health clubs, hotels, training courses, travel and holidays, dining, and many exclusive offers arranged especially for you.

Points will not be earned on cash advances, interest charges, cash payments into the credit card account, over limit fees, annual membership fees, and reversed or disputed transactions. Any other credit card transaction i.e. purchases will be considered as qualifying.

By using Riyad Bank Credit Card one Hassad Reward Point will be calculated as the below schedule:

Once a month points are added to your account for all qualifying transactions, since the last statement. Your Riyad Bank Credit Card monthly statement will show the number of points you have accumulated for the previous month and the total points available. You can easily check your points through:

• Riyad Online
• Riyad Bank ATM 
• Call Centre

Simply use your Riyad Bank Credit Card either locally or internationally for all your payments at stores, supermarkets, travel arrangements and on line purchases. The more you use your Riyad Bank Credit Card the faster you earn and accumulate points.

Monetary Voucher: To be used to purchase any product within a specified merchant’s store. Available Monetary Voucher values are of: SR100, SR500 and SR1,000.

Visit Hassad Partners page or Riyad Online.

Hassad vouchers can be requested through Riyad Online or through the call center. Request for the vouchers is to be made by the credit cardholder, you should have the credit card PIN before requesting for the vouchers, if you don't have a PIN, please request through Riyad Online, call center or visit the nearest branch.

1. Choose a Hassad reward partner of your choice, from the Hassad Partner catalogue
2. You can request the voucher through Riyad Online or through the call center at (+966) 920002470 and advise that you would like to redeem your Hassad Reward Points (the caller must be the primary card holder). Remember, you should advise the Agent of the merchant name and monetary voucher value
3. Upon successful requesting, go directly to your nearest Riyad Bank ATM, insert your credit card, enter your credit card PIN and select ‘Voucher Printing’ to print your Hassad Rewards Voucher. The ATM will print the selected voucher which contains all the details of the requested voucher
4. Take the original Riyad Bank ATM printed voucher to the chosen partner as printed on the ATM voucher to claim your reward (the person making the claim must be the primary card holder)

Immediately. All you have to do is to request for the voucher through Riyad Online or by calling the call center, after which you can go to the nearest Riyad Bank ATM and print an ATM Reward Voucher.

Riyad Bank has over 2,500 ATM’s located throughout the Kingdom. You can use our Branch and ATM Locator to locate the nearest ATM to you.

Yes, your Hassad Reward Program ATM Voucher expires after 60 days from the date of your Hassad points redemption (issue).

Yes, the Hassad Reward Program points will expire on the 31st of March 2018.

All unused points will expire automatically.

If a cardholder does not wish to participate in the Hassad Reward Program they must contact the Riyad Bank Call Center on 920002470 to be deactivated from the system.

Please note that only the Riyad Bank Credit Card main cardholders can claim and receive the Reward. Simply show the qualifying credit card and I.D. as proof of identity to claim or collect the rewards. In addition, the cardholder must sign the voucher.

Only the Monetary Vouchers (made up of SR100, SR500 and SR1,000) can be used with other forms of payment such as cash or credit card in the Merchants stores whose name appears on the Monetary vouchers (i.e. the Merchant stores you have determined to use for your Monetary vouchers).

Hassad Rewards cannot be exchanged nor returned.

Hassad Reward Program points are non-exchangeable nor refundable.

Please try to keep your voucher in a safe place, as we treat the ATM reward voucher the same as cash. Therefore, the Bank cannot be held liable for such occurrences.

Go to the next nearest Riyad Bank ATM.

Immediately call the Riyad Bank Call Centre Agent and notify them.

Please make sure it is the right Partner to redeem from as written on the Hassad Reward Program ATM Voucher or call the Riyad Bank Call Centre Agent and notify them of such refusal.

Call (+966) 920002470 or 800-441-0000 for platinum credit cards only to request cancelling Hassad rewards voucher, or visit the nearest Riyad Bank branch.

48 Hours.

The Riyad Bank’s Qasset Program is an installment plan whereby the customer has the convenience of settling his/her high value purchases in affordable & equal monthly installments.

It’s easy. If you have purchases of SAR 1,000 & above and want to pay the amount in easy monthly installments to manage your financial obligations, you can have that transaction moved to the Qasset Program installments plan.

Simply follow these 3 convenient steps:

Step 1: Use your Riyad Bank Credit Card to make a purchase of at least SAR 1,000.
Step 2: Call Riyad Bank’s toll number at (+966) 920002470 and request to convert your transaction to the Qasset Program Plan of 3, 6 or 12 months.
Step 3: Pay only the monthly installment for the plan selected. The value of each monthly installment will be reflected in the monthly statement.

No, you can use your existing Riyad Bank Credit Card to benefit from this program.

No, Qasset Program is applicable on any type of retail purchases made through your Riyad Bank Credit Card.

Yes, you can only move / transfer / convert your purchases worth a minimum value of SAR 1,000 through the Qasset Program.

There is no limit on the number of Installment Plans allowed (within the available credit card limit & subject to a minimum value of SAR 1,000).

The following options are the payment plans available under the Riyad Bank Qasset Program:

The table below illustrates how the Qasset Installment Program works for a transaction of SAR 6,000.

Riyad Bank mada Card is offered free of charge when you open a bank account with Riyad Bank.

Riyad Bank mada Card has a specific daily limit of SAR 5,000 for cash withdrawals and SAR 60,000 for purchases.

In case of lost or stolen your Riyad Bank mada Card, please visit your nearest Riyad Bank branch or call our customer service at 920002470 and request to block the card.

If you forget the Card PIN, please visit your nearest Riyad Bank branch to reset a new PIN.

Important tip: Avoid writing the PIN on the back of the card.

Yes, please visit the nearest Riyad Bank branch.

Yes, the car must be brand new (with a customs card) and through an authorized dealer/showroom.

Yes, but the driver should be a relative of the first degree, and if the driver is non-Saudi, he should be sponsored by the main leaser.

Yes, by authorizing a male relative of the first degree as a delegate.

Yes, with an external authorization letter, issued on the same day.

Yes, there is comprehensive insurance throughout the financing period.

You can find them at all major car agencies/showrooms authorized by the bank.

Yes, all products are approved by the bank’s Shariah Committee.

• Shariah-compliant
• Instant approval
• Flexible repayment plans
• Possibility of joint finance between first-degree relatives
• Multiple solutions that cater to different types of properties
• Available for government, private, and banking sectors, as well as pensioners

Yes, it is possible.

• 45 years at the time of the last installment for villas, duplexes and buildings
• 25 years at the time of the last installment for apartments

• Villa
• Apartment
• Duplex
• Building
• Land
• Rest house

Yes, 3 joint applicants as a maximum.

No, it is not possible.

15% of the first property.

It depends on the financing formula. In cases of Murabaha Home Finance, the property is registered under the customer’s name while the title deed is pledged at the Bank. However, in cases of Ijara Home Finance, the property is registered under the name of the bank until the finance is fully settled.

Yes, in accordance with early settlement terms and conditions.

It depends on the financing formula. In cases of Murabaha Home Finance, the rate will be fixed throughout the financing period. However, in cases of Ijara Home Finance, the rate will be variable.

Yes, but the bank’s approval is required.

Yes, but the bank’s approval is required.

Yes, though Ihlal option or by selling the property to a third party.

Yes, as long as the DBR does not exceed the maximum limit.

Yes, it is possible.

No, the Home Finance Program can only be paid in monthly installments.

Yes, only for bank employees.

No, it is not possible.

The customer would be exempted from paying the remaining installments in the case of permanent total disability or natural death, subject to insurance coverage. The customer gets compensated in cases of fires and natural disasters, subject to terms and conditions.

A maximum amount of SAR 3,000,000.

A minimum amount of SAR 200,000.

Currently, there is no joint finance option for the Subsidized Home Finance and Al-Moyassar Home Mortgage Programs.

The same documents required for the Home Finance product, in addition to:

• Family Identity Card + deed of support (if any)
• Salary Certificate with employment commencement date
• Statement of account for customers not transferring their salaries
• Deposit of valuation fees

No, the customer can get a higher financing amount. The Ministry/Fund would provide a financial subsidization to cover the profit margin up to SAR 500,000. The subsidization coverage might reach 100% subject to the terms and conditions of the Ministry/Fund.

For all approved citizens with salaries up to SAR 14,000, the subsidization coverage will reach 100% of the financing amount up to a maximum SAR 500,000, regardless of the number of family members.

No, the customer can select the property that matches his/her finances. The granted amount is determined based on the Ministry/Fund valuation and the bank’s credit policy.

No, currently this is not available. The subsidization amounts are dedicated to new financing requests only.

The minimum salary is SAR 5,000 for approved sectors and SAR 8,000 for non-approved sectors and banks.

The customer can benefit from the granted approval through Home Equity program.

Yes, the customer can benefit from the granted approval through the Incomplete Property Finance product to complete the construction of the property.

Yes, the customer will receive the required amount, as per the approval of the Ministry/Fund.

Minimum financing amount is SAR 200,000.

It is a financial support that covers the profit margin which varies with monthly income and number of family members as per the approval from the Ministry/Fund.

Yes, subject to the insurance coverage conditions.

Aqar is a digital platform that has the largest online mortgage market in Saudi Arabia. Aqar targets to promote the properties in a modern and easy way, where the customer can search for property on google maps with name of the districts and cities, in addition to allowing the customer to communicate with the advertiser directly.

Riyad Bank in collaboration with Aqar aims to help you own your dream house, by offering you financial products and solutions, which are validated by the Saudi Arabian Monetary Authority (SAMA) and all products are sharia’ compliant.

• Competitive profit for the requester of home finance through Aqar
• Financing solutions to meet your needs
• Payment period up to 30 years
• The ability to benefit from the support provided by Sakani program in collaboration with Ministry of Housing
• The ability to have more than one finance program at the same time depending on the credit rating
• Exemption in the event of death or total disability (God forbid) and waiver of the property in favor of the heirs directly according to the insurance coverage criteria
• Cooperative insurance against all hazards

All customers from government, semi- government, military and private sector as well as retirees.

1. Visit Aqar website
2. Choose real-estate financing
3. Enter information of property
4. Enter your personal information
5. Choose submit an application

The change in the profit margin depends on the financing method. If the financing was “Murabaha” or “Fixed Ijara”. The profit margin will be fixed throughout the financing period.
If it was “Variable Ijarah” the profit margin will vary.

• Villa
• Apartment
• Duplex
• Residential building
• Land
• Rest home “Istiraha”
• Financing solutions in cooperation with Real Estate Development Fund

10% for first housing.

• AlMawarid for maintenance and cleaning services”Khadamati”:
  

  Khadamati: they provide you with a variety of specialized technical solutions for facilities management. Updates will follow.

• Sheta & Saif:
  

  2% discount on cellphones, laptops and accessories, and 5% discount on large items.

Riyad Bank sends you an email and/or text message when you are selected for the Silver Banking. This message highlights the features and benefits you are entitled to.

When you visits any Riyad Bank branch or contacts our 24/7 call center, our staff will automatically recognize you as a Silver Banking customer and provide the appropriate level of service.

You can call 800-124-2020 or visit the nearest Riyad Bank branch to find out more about Silver Banking.

U.S Dollar (USD) – British Sterling (GBP) – Euro – UAE Dirham (AED)

100 USD – 50 GBP – 200 Euro – 500 AED

There are no fees or commissions charged from the customer’s account when performing withdrawal transaction in any available currencies.

When using the ATM to perform a withdrawal transaction in one of the available currencies, the exchange rate of every currency will be displayed before choosing the desired currency and before confirming the withdrawal transaction. The deducted amount will be displayed in Saudi Riyal.

The customer can withdraw equivalent to SAR 5000 daily.

No, but the customer can withdraw the remaining daily limit equivalent to SAR 4000.

The unavailable currency option will not appear on the screen while other options will.

The service is available for Riyad Bank mada cardholders (MasterCard – Maestro) as well as all mada cardholders (all Saudi banks participating in mada service).

Yes, the service is available for all mada cardholders at all Saudi banks.

The service is currently limited to current account cards of Riyad Bank customers and mada cardholders.

For Riyad Bank customers, they should call 920002470 to raise a claim. As for other banks’ customers, they should call their respective banks to raise a claim. The amount that will be reversed back into the customer’s account is equivalent to the exchange rate at the date of the problem not at the time of reversing the amount.

Please visit Riyad Bank website www.riyadbank.com and open “Contact Us” option then go to “Foreign Exchange ATMs” and select “Search” icon where all ATMs locations across the Kingdom will appear.

There are no additional services available at Foreign Exchange ATMs other than the withdrawal of the four currencies.

If the customer owns more than one account, he/she can use his/her debit cards of other accounts. However, if the customer owns one account only, he/she can open another account through Riyad Online and issue a debit card from the self-service machine, then transfer between his/her accounts and withdraw the desired amount by using the new account’s debit card.

In the worst-case scenario, the customer can visit any Riyad Bank branch and withdraw the required amount, taking into consideration the branches’ working hours from Sunday to Thursday, from 9:30 a.m. until 4:30 p.m.

The exchange rate of every currency is floating based on the market price and is subject to change at any time during the day, taking into consideration that the prices displayed in the video are not actual prices and for illustration purposes only.

You can download Riyad App for Smartwatches from the App Store on iPhone devices, or by updating the application.

No, the application is free of charge, and there are no enrollment fees.

1. First of all, you have to join Riyad Online then download the latest version of Riyad mobile app from the App Store
2. Log in to your account through Riyad Mobile app
3. Go to “More Options” button
4. Select Riyad App for Smartwatches
5. Select “Register” option
6. Now, enter Riyad App for Smartwatches authentication code
7. Your smart watch registration code will appear
8. Open Riyad App for Smartwatches using your watch
9. A message will appear stating that you have to register through Riyad Mobile app
10. Choose “Next” then enter the registration code on Riyad Mobile app
11. Enter the SMS code received on your mobile
12. You will receive a message notifying you that your Riyad App for Smartwatches has been registered
13. Now, the watch is ready to use anytime

1. You should be enrolled in Riyad Online
2. Download the latest version of the application from the App Store
3. You should have iPhone 5 and higher, running on iOS 9 and higher
4. You should own an Apple Smart Watch
5. Follow the enrollment steps and make sure that the service is activated properly

Log in to Riyad Mobile then go to “More Options” > Riyad App for Smartwatches > select cancel enrollment.

• Once the application is downloaded and the service is enrolled and activated; open Riyad App for Smartwatches where you can view your accounts, balances and the last 5 transactions
• Yes, to use the watch you must be connected to internet

Only one watch can be linked per user.

You have to log in to Riyad Mobile > More Options > Riyad App for Smartwatches > cancel the enrollment.

• Make sure that the latest version of Riyad Mobile app is downloaded
• Make sure that the application is available on your watch from watch settings through your mobile phone
• Search for watch application icon > choose Riyad App for Smartwatches > make sure “show application” option is available on Apple Watch

Make sure you have canceled Riyad App for Smartwatches registration, then register again through Riyad Mobile App.

• You can change the language through watch settings on your mobile phone
• Search for watch settings icon > choose General > go to language and country > system language > select your preferred language

All Android, NFC-enabled smartphones that use Android OS 4.4 (Kit Kat) or higher.

Eligible credit cards will automatically be displayed when you enrol for Riyad Pay Wallet.

No, only Riyad Bank credit cards can be added.

Once you have access to Riyad Pay Wallet, all eligible Riyad Bank Credit Cards will be displayed automatically.

• You may choose the card to use as the default payment card for Riyad Pay Wallet purchases
• You may add other eligible cards to use as an alternative payment method
• You can change the default payment card at any time

From the Riyad Pay Wallet Home screen, you can add a credit card, or if you have already selected a card from the app you can either delete, unset as default contactless card, or suspend the card.

Your security is our priority. When you make a payment with Riyad Pay Wallet, funds are securely transferred from your account.

• We use 128-bit SSL (Secure Socket Layer) encryption to mask your sensitive information.
• We'll never transmit your account number from your phone, and your card PIN is not stored on your phone. The merchant will not have access to your credit card information.
• All transactions are monitored by Riyad Bank’s risk and fraud detection systems.
• Our Online Security Guarantee provides added protection against unauthorized access to your accounts as well as Zero Liability protection.

It’s a PIN used for security reasons to authenticate you in case you wanted to:

• Change your default payment card and/or retrieve your balance/credit before making a purchase. The balance displayed may not reflect all your transactions, such as cheques you have written or debit card transactions that have been approved but not yet submitted for payment by the merchant.
• Set up a PIN or Pattern to lock/unlock your device. You'll be prompted to enter a 4-digit number (WAP) when you request to make a payment.

You can reset your WAP by selecting the reset Wallet Access PIN from the app menu.

For your security, cards in Riyad Pay Wallet are assigned a digital card number for making purchases using your mobile device. If you use multiple devices, you will have a different digital card number for each device.

No. Your digital card number is for mobile transactions only. It does not affect your ability to make purchases with your physical card.

All purchases made using the Riyad Pay Wallet will appear on the banking statement for the card you have chosen.

When you login to Riyad Pay Wallet from a new device, you will need to register the device for Riyad Pay Wallet. Your card will be assigned a new digital card number, even if you choose the same card used with your previous mobile device. All digital card numbers associated with a device that has been reported lost or stolen will be deactivated.

The closed card will no longer be displayed as an eligible card in Riyad Pay Wallet. Your replacement card will be displayed as an eligible card in Riyad Pay Wallet once the card has been activated.

To make a payment, you do not need to be connected to the internet or cellular network. However, you will need to connect every so often to refresh the app and keep the security credentials current. This will ensure Riyad Pay Wallet is ready when you are.

For the modernity of this technology locally and globally, POS terminals that accept mobile payments are limited and will gradually increase. The list of stores with this service will be updated periodically on Riyad Bank website.

* The service is available now at all Caribou Café branches, some of al Othaim Markets, Adama Clinics, Adwa Pharmacy, Al-Barakat Optical, Alkadi Pharmacy, Alostool Restaurant, Alqubbany Pharmacy, B1 Restaurant, Blue Café, Coffee Black Rose, Dawaa Pharmacy, Konooz Pharmacy, Maesrto Pizza, Magrabi Hospitals, Magrabi Opticals, Pitzzana Restaurant, Saggaf Pharmacy, Waffle Taste Coffee, Sushiah Restaurant, SUSHIAH, Nakheel café, Khaleej café, Al Umam café, BUSTAN cafe, Anoosh, and Signsture Restaurant.

The limit per transaction: SAR 100

No, there are no fees associated with this service.

Yes, you can apply any time.

With Saving Account with Income, there is a return on the deposit amount, which is Shariah-compliant under the concept of Mudaraba.

Mudaraba is a type of partnership, wherein the bank invests the customer’s funds deposited in his/her Saving Account with the objective of generating profit through Shariah compliant Mudaraba. The funds deposited in the Saving Account is the capital of Mudaraba and the bank invests such funds and shares profit with the customer as agreed upon by both parties in the Saving Account agreement.

Example: if the deposit amount is SAR 20,000 (the minimum limit), the customer’s ratio of profit (if any) will be 0.30%.

Profits are credited at the end of each month.

No, It does not need that.

The bank invests the deposit amount in the Mudaraba Pool of Riyad Bank’s different investment activities, approved by the Shariah Committee at Riyad Bank.

Anytime, except for funds deposited on the same day, which can be withdrawn on the next day through transferring them to your current account.

No.

You can deposit through direct transfer from your current account to the saving account, or visit the nearest branch in cases of cash deposits.

No.

It will be handled as a current account balance.

The deposit amount is invested in the Mudaraba Pool of Riyad Bank’s different investment activities, approved by the Shariah Committee at Riyad Bank.

It is system that aims to protect and secure both the employer’s and the domestic worker’s rights, facilitate payroll management and limit the violations occurring in the labor market through Musaned Online Portal.

It is a mada prepaid l 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, gardeners, house guards etc.

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

The employer is the one who is responsible for issuing the Household Salary Card.

The Salary Card should be issued before updating the contract.

The information of the Household workers’ contracts is updated through Musaned Online Portal.

1. Login to Musaned Online Portal
2. View the registered household workers
3. Select the Household worker who you wish to update her/his contract information
4. Update the employer’s address if necessary
5. Specify the amount of the monthly wage and the household worker’s Salary Card information
6. Accept the terms of the disclaimer and finalize the authorization process

Yes, it is possible.

The employer must specify the exact amount mentioned in the recruitment contract.

The customer can print out the contract and provide the household worker with a copy, or simply get an electronic copy of the contract.

Updating the contract’s information is mandatory for all household workers residing in the Kingdom of Saudi Arabia.

It is mandatory to issue Household Salary Cards and update their contracts information through Musaned Online Portal for all household workers residing in the Kingdom of Saudi Arabia.

You can apply for a Salary Card through Riyad Online.

The mobile number of the worker.

1. Signing the application form
2. A signed copy of the sponsor’s ID

No, it does not conflict with the contract authorization of the embassies.

Yes, it is required to transfer the whole salary amount.

No, the employer must transfer the whole amount of the salary to the household worker’s salary card account.

You can login to Musaned Online Portal and review the household workers registered in the system, and then select the one you wish to update his/her contract information to start the updating process.

No, it is not mandatory for the employer to confirm the transfer of the household worker’s monthly wage.

The employee may only use his personal bank account.

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

The card will be delivered by courier service, or you can choose to go to any Riyad Bank branch and have it instantly issued.

Add the card’s account number as a beneficiary through Riyad Online, which consist of 13 digits. The account number will always start with 815 then the worker’s residence (Iqama) number.

Only the worker himself/herself can activate the card through Riyad Bank ATM.

This can be done through Riyad Bank ATM by selecting ”new card” option on the main screen. Notifications related to banking transactions are sent to the mobile number that was registered for the worker.

No, the card is only acceptable within Saudi Arabia.

The Salary Card accepts deposits from the sponsor only.

The card only accept deposits from the sponsor (employer) at Riyad Bank.

Free.

The maximum withdrawal limit for the Salary Card is SAR 5,000 per day.

The maximum purchase limit is SAR 20,000 per day.

From Riyad Bank ATMs, withdrawal is free for all transactions. From other bank ATMs, a fee of SAR 2.10 will apply from the 5th transaction per month onwards.

From Riyad Bank ATMs, balance enquiry is free for all transactions. From other bank ATMs, a fee of SAR 0.84 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.

Immediately contact the customer service center at 920002470 to stop the card.

You can re-issue a new PIN through Riyad Bank ATMs.

You can change your PIN through Riyad Bank ATMs.

Please contact our customer service center at 920002470.

Riyad Online and Riyad Line are the digital channels that offer this service.

Login to your Riyad Online account, and if your ID is going to expire within 90 days, a pop up banner will appear on the main page stating that you need to update your ID. This service will only be enables if you have already updated and received your ID from the Civil Affairs Office.

1. Call Riyad Line on: 920002470
2. Put the 8 digit user number as shown on the ATM card
3. Put your password
4. Put the authentication code sent to your phone (if you are calling from an unregistered number”
5. A voice message will tell you that your ID is either near expiration or has already expired, to update choose 1
6. The date of birth registered in our system will be conveyed, if correct press 1 to confirm, if incorrect press 2 to update
7. If you choose1, the update will be completed successfully
8. If you choose 2, the system will ask you to put the correct date and confirm the update

No fees apply on this service.

You will be able to update your National ID or IQama without the need to visit a branch or ATM.

Yes, you can by logging in Riyad Online or calling Riyad Line.

This service is free for Riyad Bank customers only. The customer has to be registered on Riyad Line or has a Riyad Online account. For more information, you can call customer services at:

920002470 (Inside KSA)
+966380002470 (aboard)

No, you can’t.

This is because your information at the bank is not consistent with the Yaqeen system. If your date of birth is wrong, a pop up message will appear to input the date of birth as shown on your National ID or IQama.

No, you should visit the branch to be helped.

Yes, you should visit the branch to be helped.

The update gets done immediately.

No, there will be no need to do that.

No, there will be no need to do that.

For Customers who have Moqeem ID, the expiration for the card is after 5 years. However the customers will be able to update their Moqeem ID details on yearly basis through Riyad Online.

Wazen is a new auto-save program... an innovative service that will help you save with less effort to be able to realize your goal. With Wazen you can balance between your spends and savings because the program will deduct an amount to save with every transaction, and all your savings will be automatically transferred at the end of the day to Wazen savings account!

The program balances your spends and savings and you can match every transaction you make on your current account with a saving sent to your saving account according to the specific settings and saving options you set. The program allows you to also transfer a certain percentage you set from deposits made in your current account to Wazen savings account.

You have to determine a financial goal (one purpose) and the saving amount that you want to achieve with Wazen. The program will stop once you reach this goal and then you can set a new goal again.

• Buy a home
• Buy a land
• Buy a car
• Save for my family future
• Save towards retirement
• Save for a child education
• Save for holiday and travel
• Save for marriage expenses
• Save for medical expenses
• Establish a private business
• Save in general
• Other

Yes, you can through the dash board.

You only have to have a current account to link it to the program.

• Helps you manage your finances and balances your spends and savings
• You can join and open a savings account automatically thru Riyad Online without the need to visit a branch
• You can choose specific settings and saving options according to your spends
• Provides a choice of saving with and without returns (sharia complaint product)
• You can stop and restart the program any time
• You can access your savings whenever needed and transfer funds to your current account
• The program can transfer a certain percentage (you set) from deposits made in your current account to Wazen savings account

No, you can easily join through Riyad Online.

You can choose the following transactions to save:

• Point of sale purchases
• ATM withdrawal
• Credit card payment
• Bill payment

You can also save when you do the following deposits:

• Salary deposit
• Incoming transfers
• Deposits from stock dividends

You can also do the following:

• Determine the transactions that you want to activate (you can choose 1, some or all transactions)
• Set a percentage for saving from the deposits and spends of each transactions, keeping in mind that you can link this percentage to a maximum amount for saving (e.g. you would like to save 10% from pos purchases provided that the amount deducted does not exceed 1000 riyals)
• Set a minimum amount that needs to be in your current account linked to Wazen so that the saving automatically stops when the balance in our current account reaches this amount

Yes, you can stop and join at any time.

The money is yours. You only have to transfer the money from Wazen to your current account and it takes one working day only.

It is free (for a limited time).

With Wazen, you have the liberty to choose if the saving account is with or without returns.

Yes.

This service is free of charge.

Once you login to Riyad Line, the registration will be as option number 1. You only need to say “my voice is my password!” 3 times to grant you Voice Access for Riyad Line.

Yes, the bank provides this safe and convenient method to verify the identity of the caller in both languages, Arabic and English.

Yes, you can cancel this service through the authentication settings under other services in the main menu.

Yes, you can login with both options at the same time.

Yes, the service is safe and highly accurate method of authentication, which can easily replace the password.

You only have to be a Riyad Bank customer who is registered to use Riyad Line.

You will be asked to enter the Riyad Line password as an alternative method in case your voice does not get recognized for Voice Access.

Try again through authentication settings under other services in the main menu. It is recommended to register your voice in a noise-free location.

Yes, your voice will be recognized because this technology relies on the latest bio and vital signs to protect your personal information.

Yes, the system can recognize a recorded voice and your account can not get hacked. A series of tests have been performed to verify the safety of this service where recorded voices will be recognized as well as similar voices.

Yes, the fake voice will be recognized and access will be denied and the system will request a password after the second attempt.

This service is free of charge.

By easily activating the “voice commands” option under other services in the main menu.

Yes, the bank provides this safe and convenient method to verify the identity of the caller in both languages, Arabic and English.

Yes, you can cancel this service through disable “voice commands” option under other services in the main menu.

You only have to be a Riyad Bank customer who is registered to use Riyad Line.

The system will ask you once again to repeat the service and will give examples to help identify it. If this doesn’t work, the system will redirect you to the traditional Riyad Line using the telephone pad to request a service.

Yes it does.

It is a service offered by Riyad Bank to mada cardholders in cooperation with MasterCard Company, which provides customers with additional protection when purchasing online.

Once you enter Riyad Bank card details and complete the purchasing transaction, the bank will authenticate the card’s information and send a one-time-password consisting of 4 digits to the customer’s registered mobile number.

Yes, when you complete your purchasing transaction and enter Riyad Bank mada card details, a screen will automatically appear requesting the customer to enter a one-time-password consisting of 4 digits sent to the customer’s registered mobile number. After reviewing the details of your transaction and entering the one-time-password successfully, the purchasing transaction will be completed, and you will receive a message on your mobile and email that the transaction has been completed successfully.

You can activate and deactivate this service through Riyad Online.

The online purchasing service is available for all Riyad Bank mada cards that display mada and MasterCard logos on the front. If your card does not display mada and MasterCard logos, please visit the branch to replace your card.

Riyad Bank offers this service free of charge for transactions in Saudi Riyal, while fees will be calculated for transactions in foreign currencies based on the customer’s segmentation as described below:

• Private Banking customers: 1.50%
• Diamond Banking customers: 1.50%
• Golden Banking customers: 1.75%
• Silver Banking customers: 2.00%
• Other customers: 2.50%

If you have any inquiries or you need any help, do not hesitate to call the customer service center number printed on Riyad Bank card 920002470.

The communication between you and Riyad Bank is invisible to the merchant. Your information is never shared with the merchant including the one-time-password sent to the customer’s mobile.

For more security, the card will only be accepted at websites that support the 3D Secure feature. Purchasing transactions from websites that do not support this feature will not be accepted.

“MasterCard SecureCode” logo will be displayed when purchasing online.

Yes, you will receive an SMS containing the one-time-password. Riyad Bank will only bear local fees (not inclusive of roaming fees).

The one-time-password helps to protect your information against fraudulent activities. It is a safe method to authenticate the cardholder’s identity.

You have up to three attempts to enter your PIN correctly. If the three attempts fail, the card will be suspended. To activate the card, call us at 920002470.

Please call Riyad Bank customer service center at 920002470 or the number printed on the back of Riyad Bank mada card to stop your card immediately.

No, the app. is currently available for card holders of MyPay card and Salary Card for Household Workers in Corporate Banking.

It is SAR 15 per transfer via Money Express and it varies according to the beneficiary’s country if it is via Western Union.

You can download the app. on your device, by visiting the App Store for IOS users or Google Play for Android users.

Yes, you will need to connect to the Internet to use the app.

You can reset the password by clicking "I forgot my password" link in the app.

There are no registration fees.

It is possible that your mobile number is not registered with the bank. You have to register your number by visiting the nearest Riyad Bank ATM.

Go to the nearest ATM to register your mobile number, which will be used to send notifications and the authentication code when you log into digital channels.

Follow the steps below on ATM:

1. Select “e-Service Activation and Update Mobile Number”
2. Select “Mobile Contact Updating”
3. Select “Change Mobile Contact”
4. Then enter your mobile number twice to complete the authentication process

Yes, services that are not available for students are international transfers and money express transfers.

Yes, your registration at any channel will enable you to access all other digital channels.

No, but you can get the virtual card from Riyad Bank, which you can use for online and digital purchases.

You can use Riyad Line after completing your registration at the digital channels through Riyad Online and Riyad Mobile, in addition to benefiting from the automatic calls for activating beneficiaries and communicating with the Call Center.

Yes, you can receive money transfers in your account from Riyad Bank or any other local bank.

Yes, once you open the account you can perform all transfer transactions.

All national ID and Iqama holders.

Only customers who have an Absher account and registered in the National Address can open digital accounts. Therefore, you have to visit the nearest Riyad Bank branch to open the account.

If there are any issues difficulties, the customer should visit the branch to clear things then open the account.

The customer does not have to visit the branch to provide his/her signatures, unless they wish to get other products from the bank like credit cards, finance products or updating ID/Iqama.

After opening the digital account through Riyad Bank website, you will receive your card through one of couriers contracted by Riyad Bank within 3 working days.

You need to visit the nearest ATM then set up the PIN number.

Yes, you will receive an SMS containing the temporary username and password. You should use it within 72 hours.

Follow the steps mentioned in Registration after Opening Account Online page to reactivate the account.

Yes, once you open the account, you will be able to issue a virtual credit card then charge it and use it directly.

All financial transactions including transfers, bill payments, account statements etc... If you wish to get finance products or credit cards, you should visit the branch to complete necessary documents and get the desired product.

The virtual currency of the account is Saudi Riyal.

“Whistleblowing” means reporting any suspected practices, illegal or unethical conduct that occurred or may occur, suspected of their occurrence within Riyad Bank.

Generally includes any violated practice, but not limited to the following topics:

• Financial gain or non-financial (other benefits) by deception or other dishonest conducts
• Any activity that exposes the bank, shareholders or customers to a loss and trying to conceal that loss
• Suspicious behavior or practices in the financial statements, internal control systems or any similar situations

Any person who has an interest with the bank whether an individual or a company such as:

• Riyad Bank Customers
• Creditors
• Riyad Bank Employees
• Shareholders
• Suppliers

All reported violations will be handled with strict confidentiality regarding the information and identity of the whistleblower.

Email:
wb@riyadbank.com