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 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 Qasset Program works for a transaction of SAR 4,000 converted into the installment plan of 3, 6 or 12 months:

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.

• 40 years at the time of last installment for villas, duplexes and buildings
• 25 years at the time of 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.

The property is registered in the name of the bank or one of its subsidiaries. The ownership is transferred to the customer’s name once the finance is settled.

Yes, in accordance with early settlement terms and conditions.

It depends on the financing type as follows:

• Murabaha Home Finance: fixed rate
• Ijara Home Finance: variable rate

Yes, but the bank’s approval is required.

Yes, but the bank’s approval is required.

Yes, though Ihlal option.

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 5,000,000.

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.

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