Saudi Arabia IBAN
A Saudi Arabia IBAN is 24 characters long.
SA and two check digits open every Saudi Arabia IBAN; its remaining 20 form the BBAN (Basic Bank Account Number). Transfers into Saudi Arabia arrive in SAR over SWIFT.
Example Saudi Arabia IBAN
Electronic format
SA0380000000608010167519
Print format
SA03 8000 0000 6080 1016 7519
IBAN structure for Saudi Arabia
Format reference: SWIFT IBAN Registry.
Saudi Arabia IBAN questions
What is the IBAN format for Saudi Arabia?
A Saudi IBAN is exactly 24 characters long. It starts with SA, 2 check digits, a 2-digit bank code, and a 18-digit account number. Example: SA03 8000 0000 6080 1016 7519.
When did Saudi Arabia adopt IBAN?
SAMA (Saudi Arabian Monetary Authority, now the Saudi Central Bank) mandated IBAN adoption in 2010. All Saudi bank accounts have had a 24-character SA IBAN since the full rollout was completed. SAMA's SARIE system also uses the IBAN as the standard account identifier for domestic high-value transfers.
Is Saudi Arabia part of SEPA?
No. Saudi Arabia is not a SEPA member. International transfers to Saudi Arabia are processed through the SWIFT network. SEPA is specific to European countries, and Saudi Arabia's banking system connects globally via SWIFT.
What bank codes do Al Rajhi Bank, SNB, Riyad Bank, and Banque Saudi Fransi use?
Saudi bank codes (2 digits, positions 5–6 of the IBAN): Al Rajhi Bank is 05, Saudi National Bank (SNB) is 10, Riyad Bank is 07, and Banque Saudi Fransi is 55. Arab National Bank is 30, and Saudi British Bank (SABB) is 45.
How do I find my IBAN at a Saudi bank?
Your SA IBAN is available in your bank's mobile app or internet banking under account details. Al Rajhi Bank's mobile app, SNB's AlAhli Digital app, and Riyad Bank's Riyad Online all display the 24-character IBAN. It also appears on bank statements. For Al Rajhi Bank, the IBAN is prominently shown on the account summary screen.
What is SARIE and how does it use IBAN?
SARIE (Saudi Arabia Real Time Gross Settlement) is the Saudi Central Bank's high-value interbank payment system. It processes all large-value SAR domestic transfers in real time, using the IBAN as the account identifier. Saudi Arabia also has the Instant Payments (IP) system for retail real-time transfers, also IBAN-based.
What do I need to receive an international transfer to Saudi Arabia?
Provide your full 24-character SA IBAN and your bank's SWIFT/BIC code. Al Rajhi Bank's SWIFT code is RJHISARI; SNB's is NCBKSAJE; Riyad Bank's is RIBLSARI; Banque Saudi Fransi's is BSFRSARI.
Are large inbound transfers to Saudi Arabia subject to reporting?
Yes. Saudi regulations administered by SAMA require banks to report international transfers above certain threshold amounts for anti-money laundering (AML) compliance. Additionally, SAMA may require documentation of the purpose of large inbound transfers. If you are expecting a high-value wire, notify your bank in advance and be prepared to provide supporting documentation.
How IBAN is used in Saudi Arabia
Saudi Arabia mandated the use of IBAN for all domestic and international transfers in 2010 under the oversight of the Saudi Arabian Monetary Authority (SAMA, now the Saudi Central Bank — SAMA). Every Saudi bank account carries a 24-character IBAN prefixed with SA. Saudi Arabia is not part of SEPA; international transfers are routed through SWIFT. Domestically, the Saudi Payments Network (mada) and SARIE (Saudi Arabia Real Time Gross Settlement) system use the IBAN as the standard account identifier.
- A Saudi IBAN is 24 characters long: the country code SA, two check digits, a two-digit bank code, and a 18-digit account number. Al Rajhi Bank (bank code 05), Saudi National Bank — SNB (10), Riyad Bank (07), and Banque Saudi Fransi (55) are among the largest institutions. Your IBAN is available in your bank's online or mobile banking platform, on your account statement, or by visiting a branch.
- Saudi Arabia's SARIE real-time gross settlement system processes all high-value domestic SAR transfers using the IBAN. The country also has the Instant Payments (IP) system for real-time retail transfers. Both systems are domestic-only — for cross-border transfers, SWIFT remains the standard and senders outside Saudi Arabia need your full SA IBAN plus your bank's SWIFT code.
- Saudi Arabia has one of the world's largest outbound remittance flows, but also significant inbound transfers — particularly for expatriates working in the Kingdom and sending money back from their home countries. When receiving a transfer from abroad, your bank may apply currency conversion from the incoming currency to SAR. SAMA's regulations also require that banks report international transfers above certain thresholds, so large inbound transfers may involve additional compliance checks.
- 2026 cross-border update: SAMA's integration with the Arab Monetary Fund's Buna platform has expanded the set of corridors where SAR can settle near-instantly into a recipient account in another Arab League country — including Egypt (EGP via InstaPay), the UAE (AED), Jordan, and notably Pakistan (PKR via RAAST). For Saudi-based expatriates supporting families abroad, this is the most significant infrastructure change in over a decade: bank-run services like Tahweel Al Rajhi and Enjaz are progressively rolling out direct Buna-routed payouts that bypass traditional SWIFT correspondents. Your SA IBAN is still the sender-side account identifier; only the rail behind it has changed.
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