The requirements and Information Needed for Customers’ Bank Account Statements
No: 42059442 Date(g): 4/4/2021 | Date(h): 22/8/1442 Status: In-Force Translated Document
Based on the powers granted to SAMA under the provisions of the Banking Control Law and its implementing regulations, and in line with SAMA’s supervisory and regulatory role over financial institutions under its jurisdiction, and in an effort to standardize the minimum operations, information, and details that should be included in bank account statements for customers according to unified standards across all banks. Given that the information contained in a bank account statement serves as a source and reference for legal evidence in matters that benefit the public interest, it simultaneously assists customers in understanding the sources of funds deposited into their accounts, the amounts withdrawn and transferred from them, as well as the types, nature, and dates of the transactions carried out. This ensures clarity and precision in understanding, leaving no room for ambiguity. Furthermore, this enables customers to determine their responsibility for verifying the sources and uses of their funds and the authorities for managing these transactions. This information also benefits banks by providing clear responses to customer inquiries regarding transactions on their accounts.
Attached is the updated version of the required information for bank account statements for customers. Banks are also reminded of the option to provide customers with a simplified bank account statement as an alternative, which includes at a minimum: (The type of transaction, its date, and the amount).
Please take note and ensure compliance with these specified requirements by the end of the second quarter of 2021G.
Transaction Type and Criteria for Statement Details: Cash Deposit (Bank Branch). (1/1)
Type of Transaction and Standards for Account Statement Details
Cash Deposit (Bank Branch). (1/1)
No.
Information Criteria
Arabic
English
Notes
A
Creation of the Service Delivery Channel
1
Name of Service Delivery Channel/Code (Bank Name + Branch Name where the deposit is made)
√
√
-
2
Location of the Service Delivery Channel (City where the branch is located)
√
√
-
3
Transaction Reference Number (Generated by the system)
√
√
-
4
Type of Transaction (Cash Deposit - Bank)
√
√
-
5
Transaction Date
√
√
-
6
Transaction Time (Mandatory for ATM and online transactions, optional for other transactions)
√
√
Statements arranged by date and time
7
Due Date (Creditor)
√
√
-
B
Credit Information
1
Amount
√
√
-
2
Currency
√
√
-
3
Applied Exchange Rate
-
-
-
4
Purpose / Payment Details / Source of Funds
-
-
-
5
Depositor's Name
-
-
-
6
Depositor's ID Number
-
-
To be recorded on the cash deposit form
Transaction Type and Criteria for Statement Details
Cash Deposit (ATM) - (1/2)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name of the Service Delivery Channel/Code (Bank Name + ATM Code for cash deposit)
√
√
-
2 Location of Service Delivery Channel (City where the ATM is located)
√
√
-
3 The transaction reference number (generated by the ATM)
√
√
-
4 Transaction type (Cash Deposit - ATM)
√
√
-
5 Transaction start date
√
√
-
6 Transaction start time (mandatory for ATMs and electronic banking transactions, optional for other regular transactions)
√
√
Mandatory for ATMs and electronic banking transactions
7 Due date (creditor)
√
√
-
B Creditor information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied exchange rate
-
-
-
4 Purpose / Payment details / Source of funds
-
-
-
5 Depositor's name
-
-
-
6 Depositor's ID number
-
-
-
7 Fees
-
-
-
Cash Withdrawal (Check) – (2/1)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name of Service Delivery Channel/Code (Bank Name + Branch Name from which the cash is withdrawn)
√
√
-
2 Location of Service Delivery (City where the branch is located)
√
√
-
3 Transaction Reference Number (generated by the system)
√
√
-
4 Transaction Type (Cash Withdrawal - Within Bank)
√
√
-
5 Transaction Creation Date
√
√
-
6 Transaction Creation Time
√
√
-
7 Due Date (Debtor)
√
√
-
B Debit Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Fees
√
√
If withdrawal is in a foreign currency
5 Check Number
√
√
-
6 Beneficiary Name
-
-
-
7 Beneficiary ID Number
-
-
Recorded by the cashier on the check
Cash Withdrawal (Form) – (2/2)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name of Service Delivery Channel/Code (Bank Name + Branch Name where the cash is withdrawn)
√
√
-
2 Location of Service Delivery channel (City where the branch is located)
√
√
-
3 Transaction Reference Number (generated by the system)
√
√
-
4 Transaction Type(Cash Withdrawal - Receipt)
√
√
-
5 Transaction Creation Date
√
√
-
6 Transaction Creation Time
√
√
-
7 Due Date (Debit)
√
√
-
B Debit Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Fees
√
√
If withdrawal is in a foreign currency
5 Beneficiary Name
-
-
-
6 Beneficiary ID Number
-
-
Recorded on the form
Cash Withdrawal (ATM) – (2/3)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name of Service Delivery / Code (Bank Name + ATM Code where the cash is withdrawn)
√
√
-
2 Location of Service (Country and City where ATM is located)
√
√
-
3 Transaction Reference (Name and Code of the Bank that issued the ATM/Visa card + Transaction Reference Number generated by the ATM)
√
√
-
4 Transaction Type (Cash Withdrawal "Mada Card / Credit Card" – ATM)
√
√
-
5 Transaction Creation Date
√
√
-
6 Transaction Creation Time (Mandatory for ATMs and electronic banking transactions; optional for other regular transactions)
√
√
Mandatory for ATMs and electronic banking transactions.
7 Due date (debtor)
√
√
-
B Debit Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Fees
√
√
If the amount is withdrawn in a foreign currency
Deposit of Checks (Clearing – External) (3/1)
No
Information Criteria
Arabic
English
Notes
A
Establishing a Service Delivery Channel
1
Name of the Service Delivery Channel / Code (Bank name and Branch/Department conducting the transaction)
√
√
-
2
Location of the Service Delivery Channel (City name where the branch/department is located)
√
√
-
3
Reference number for the transaction (generated by the system)
√
√
-
4
Transaction Type (Cash Deposit - Bank)
√
√
-
5
Transaction Start Date
√
√
-
6
Transaction Start Time
√
√
-
7
Due Date (Creditor)
√
√
-
B
Creditor Information
1
Amount
√
√
-
2
Currency
√
√
-
3
Check Number
-
-
-
4
Drawn on the Bank Name
-
-
-
5
Name of the Depositor
-
-
If not the account holder
6
Depositor ID Number
-
-
To be recorded on the check deposit form
7
Name of the Drawer
-
-
-
8
Country of the Bank Issuing the Check
-
-
-
Check Deposit (Collection) – (3/2)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name / Code of the Service Delivery Channel (Bank Name and Branch/Department where the transaction occurs)
√
√
ATM Information (if the check was deposited via an ATM)
2 Service Delivery Channel Location (City where the branch/department is located)
√
√
-
3 Transaction Reference Number (generated by system)
√
√
-
4 Transaction Type (Check Collection)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 (Credit) Due Date
√
√
-
8 (Debit) Due Date
√
√
-
B Debtor information
1 Amount
√
√
Collection fees
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Cheque number
√
√
-
5 Drawn on the bank name and city
-
-
-
6 Fees (collection fees + correspondent banks)
-
-
-
C Creditor Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Cheque number
√
√
-
5 Drawn on the bank name and city
-
-
-
6 Depositor's name
-
-
If not the check holder
7 Depositor's ID number
-
-
And it is recorded on the check deposit form
8 Drawer's name
-
-
-
Check Deposit (Same Bank- Internal) – (3/3)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name / Code of the Service Delivery Channel (Bank Name and Branch/Department where the transaction is conducted)
√
√
ATM Information (if the check was deposited via an ATM)
2 Service Delivery Channel Location (City where the branch/department is located)
√
√
-
3 Transaction Reference Number (generated by system)
√
√
-
4 Transaction Type (Internal Check Deposit)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debit)
√
√
-
8 Due Date (Credit)
√
√
-
B Debtor information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Cheque number
√
√
-
5 Beneficiary's name
√
√
-
C Creditor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Cheque number
√
√
-
5 Drawn on the bank's name
-
-
-
6 Depositor's name
-
-
If not the cheques holder
7 Depositor's ID number
-
-
And it is recorded on the check deposit form
8 Check issuer's name
-
-
And it is recorded on the check deposit form
9 Check issuer's ID number
-
-
And it is recorded on the check deposit form
Check Cashing (Clearing/Internal Collection) – (4)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Delivery Channel Name/Code (Bank Name and Branch/Department where transaction takes place)
√
√
-
2 Location of the Service Delivery Channel (Name of the city where the branch/department is located)
√
√
-
3 Transaction Reference Number (Generated by the system)
√
√
-
4 Transaction Type (Clearing/Internal Collection)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
-
-
-
8 Due Date (Creditor)
-
-
-
B Debtor ledger information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Cheque number
√
√
-
5 Beneficiary's name
-
-
-
6 Beneficiary's ID number
-
-
-
7 Presenting bank / Collecting bank's name
-
-
-
Outbound Money Transfer (Fast System) – (5/1)
No
Information Criteria
Arabic
English
Notes
A
Establishing a Service Delivery Channel
1
Name / Code of the Service Delivery Channel (Bank Name and Branch where the transaction is conducted)
√
√
-
2
Location of the Service Delivery Channel (Name of the City for the Branch)
√
√
-
3
Transaction Reference Number (Outbound Transfer Number generated by the system) + Local System Transaction ID Number
√
√
Local System Transaction ID Number
4
Transaction Type (Outbound Transfer – Local System)
√
√
-
5
Transaction Start Date
√
√
-
6
Start Time of the Transaction (Mandatory for ATM/Electronic Banking Transactions, Optional for Other Transactions)
√
√
Mandatory for ATM Transactions
/ Electronic Banking
7
Due Date (Debit)
√
√
-
B
Debit Entry Information
1
Amount
√
√
-
2
Currency
√
√
-
3
Applied Exchange Rate
-
-
-
4
Fees
√
√
-
5
Beneficiary Name
-
-
-
6
Beneficiary Bank Name/Code
-
-
-
7
Beneficiary Account Number
-
-
Credit Card Number if to a Credit Card Account
8
Beneficiary Address
-
-
To be noted on the form
9
Purpose/Details of the Transaction
-
-
To be noted on the form
10
Number and Date of Reference at SAMA / Judicial Order if Issued by SAMA
-
-
-
Outbound Money Transfer (SWIFT) – (5/2)
No
Information Criteria
Arabic
English
Notes
A
Establishing a Service Delivery Channel
1
Name / Code of the Service Delivery Channel (Bank Name and Branch where the transaction is conducted)
√
√
-
2
Location of the Service Delivery Channel (Name of the City where the Branch conducting the transaction is located)
√
√
-
3
Transaction Reference Number (Outbound Transfer Number Generated by the System)
√
√
-
4
Transaction Type (Outbound Transfer – SWIFT)
√
√
-
5
Transaction Start Date
√
√
-
6
Start Time of the Transaction (Mandatory for ATM/Electronic Banking Transactions, Optional for Other Transactions)
√
√
Mandatory for ATM/Electronic Banking Transactions
7
Due Date (Credit)
√
√
-
B
Credit Entry Information
1
Amount
√
√
-
2
Currency
√
√
-
3
Applied Exchange Rate
-
-
-
4
Fees
√
√
SWIFT Fees
5
Commission
√
√
Commission on Transfer
6
Beneficiary Name
-
-
-
7
Beneficiary Bank Name
-
-
-
8
Beneficiary Account Number
-
-
-
9
Beneficiary Address
-
-
To be noted on the form
10
Country of Transfer
-
-
-
11
Purpose / Details of the Transaction
-
-
To be noted on the form
Outbound Transfer (Salaries) – (5/3)
No
Information Criteria
Arabic
English
Notes
A
Establishing a Service Delivery Channel
1
Name / Code of the Service Delivery Channel (Bank Name and Branch where the transaction is conducted)
√
√
-
2
Location of the Service Delivery Channel (Branch City Name)
√
√
-
3
Transaction Reference Number (MT 102 - Outbound Transfer Number generated by the system) + Local System Transaction ID Number
√
√
Local System Transaction ID Number
4
Transaction Type (Salaries – Total Customer Payments)
√
√
-
5
Start Date of the Transaction
√
√
-
6
Transaction Start Time (Mandatory for ATM/Electronic Banking Transactions, Optional for Other Transactions)
√
√
Mandatory for ATM/Electronic Banking Transactions
7
Due Date (Debit)
√
√
-
B
Debit Entry Information
1
Amount
√
√
Total Amount
2
Currency
√
√
-
3
Applied Exchange Rate
-
-
-
4
Fees
√
√
Total Customer Payments Fees
5
Payment Details (Salaries)
√
√
-
Outbound Transfer (Profit Shares) – (5/4)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name/Code of service delivery Channel(Bank Name and Branch where the transaction takes place)
√
√
-
2 Channel Location (Branch City Name)
√
√
-
3 Transaction Reference Number (MT 102 - Outbound Transfer Number Generated by the System)
√
√
Local System Transaction Identifier Number
4 Transaction Type (Profit Shares – Total Customer Payments)
√
√
-
5 Start Date of the Transaction
√
√
-
6 Start Time of the Transaction
√
√
-
7 Maturity Date (Debit)
√
√
-
B Debit Entry Information
1 Amount
√
√
Total Amount
2 Currency
√
√
-
3 Exchange Rate Applied
-
-
-
4 Fees
√
√
Customer Payments Total Message
5 Field 70: Payment Details (Profit Shares + Period) Example: Profit Shares / First Half of 2010G
√
√
-
Inbound Transfer (Rapid System) – (6/1)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Channel Name/Code (Bank Name and Branch/Department where the transaction takes place)
√
√
-
2 Channel Location (City Name where the Branch/Department is located)
√
√
-
3 Transaction Reference Number (Inbound Transfer Number) + Local System Transaction Identifier Number
√
√
Local System Transaction Identifier Number
4 Transaction Type (Inbound Transfer – Local System)
√
√
-
5 Start Date of the Transaction
√
√
-
6 Start Time of the Transaction (Mandatory for ATM/Electronic Banking Transactions, Optional for Other Transactions)
√
√
-
7 Maturity Date (Credit)
√
√
-
B Credit Entry Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Sender Name
-
-
-
4 Sender Account Number
-
-
Credit Card Number if from a Credit Card Account
5 City Name of Sender
-
-
-
6 Name/Code of the transferring bank
√
√
-
7 Purpose/Payment Details
-
-
-
8 Reference number and date at SAMA / judicial decision in case it is mandated by SAMA
-
-
-
Inbound Transfer (SWIFT System) – (6/2)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Channel Name/Code (Bank Name and Branch/Department where the transaction takes place)
√
√
-
2 Channel Location (City Name where the Branch/Department is located)
√
√
-
3 Transaction Reference Number (Inbound Transfer Number)
√
√
-
4 Transaction Type (Inbound Transfer – SWIFT)
√
√
-
5 Start Date of the Transaction
√
√
-
6 Start Time of the Transaction
√
√
-
7 Maturity Date (Credit)
√
√
-
B Credit Entry Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Sender Name
-
-
-
5 Sender Account Number
-
-
-
6 Sender's Country Name
-
-
-
7 Bank Name of Sender
-
-
-
8 Purpose/Payment Details
-
-
-
Incoming Transfer (Salaries) – (6/3)
No Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name / Code of Service Channel (Bank and Branch / Department where the transaction takes place)
√
√
-
2 Location of the Service Channel (City name where the branch/department is located)
√
√
-
3 Reference number for the transaction (MT 102 - Incoming Transfer Number) + Local System Unique Identifier for the transaction
√
√
Unique Identifier for Local System Transactions
4 Type of Transaction (MT 102 - Local Incoming Transfer - Salaries)
√
√
-
5 Date of Transaction Start
√
√
-
6 Time of Transaction Start
√
√
Mandatory for ATM / electronic banking transactions
7 Due Date (Creditor)
√
√
-
B Creditor Transaction Details
1 Amount
√
√
-
2 Currency
√
√
-
3 Name of the Customer Order (Transferrer)
√
√
-
4 Name / Code of the Transfer Bank
√
√
-
5 Purpose / Payment Details (Salaries)
-
-
-
Incoming transfer (profit share)- (6/4)
No Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel 1 Name / Code of the service delivery channel (name of the bank and branch / department where the transaction is conducted)
√
√
-
2 Location of the service delivery channel (name of the city where the branch/department is located)
√
√
-
3 Transaction reference number (MT 102 – incoming transfer number) + local system transaction identification number
√
√
Local system transaction identification number
4 Transaction type (Profit Share)
√
√
-
5 Transaction start date
√
√
-
6 Transaction start time
√
√
-
7 Due date (credit entries)
√
√
-
B Creditor ledger information
1 Amount √ √ - 2 Currency √ √ - 3 Field 50: Name of the ordering customer (remitter). Example: Saudi Telecom Company, SABIC, etc √ √ The company that declared the profit share 4 Name / Code of the remitting bank - - - 5 Name of the entity / company - - - 6 Account number of the entity / company - - - 7 Name of the remitting bank - - - 8 Field 70: Purpose/Payment details (Profit share + period) Example: Profit share / First half of 2010 - - - C Debtor ledger information 1 Amount √ √ - 2 Currency √ √ - 3 Field 50: Name of the ordering customer (remitter) Example: Saudi Telecom Company, SABIC, etc √ √ The company that declared the profit share 4 Name/Code of the remitting bank - - - 5 Beneficiary's name - - - 6 Beneficiary's account number - - - 7 Beneficiary's bank - - - 8 Field 70: Purpose/Payment details (Profit share + period) Example: Profit share / First half of 2010 - - - Internal Transfer (Account to Account – Same Bank) – (7)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name / Code of Service Channel (Bank and Branch / Department where the transaction takes place)
√
√
-
2 Location of the Service Channel (City name where the branch is located)
√
√
-
3 Reference number for the transaction (generated by the system)
√
√
4 Type of Transaction (Transfer from Account to Account)
√
√
-
5 Date of Transaction Start
√
√
-
6 Time of Transaction Start
√
√
-
7 Due Date (Creditor)
√
√
-
8 Due date (creditor)
√
√
-
B Debtor ledger information
1 Amount
√
√
-
2 Currency
√
√
-
3 Exchange Rate Applied
√
√
-
4 Beneficiary's name
-
-
-
5 Beneficiary's ID number
-
-
-
6 Beneficiary's account number
-
-
-
7 Purpose of the transfer
-
-
-
8 Reference number and date in SAMA / court order in case it is mandated by SAMA
-
-
-
C Creditor ledger information
1 Amount
√
√
-
2 Currency
√
√
-
3 Exchange Rate Applied
-
-
-
4 Name of the remitter
-
-
-
5 ID number
-
-
-
6 Account number
-
-
-
7 Purpose / Payment details
-
-
-
8 Reference number and date in SAMA / court order in case it is mandated by SAMA
-
-
-
Cashier Request (in Saudi Riyals) – Version (8)
No.
Information Standards
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name/Code (Bank and Branch Name)
√
√
-
2 Service Channel Location (Branch City Name)
√
√
-
3 Transaction Reference Number (Generated by System)
√
√
-
4 Transaction Type (Cashier Request)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Credit)
√
√
-
B Debit Entry Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Commission
√
√
-
5 Bank application number
-
-
-
6 Beneficiary's name
-
-
-
Demand Draft Under Collection – Version (9)
No.
Information Standards
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name/Code (Bank and Branch Name)
√
√
-
2 Service Channel Location (Branch City Name)
√
√
-
3 Transaction Reference Number (Generated by System)
√
√
-
4 Transaction Type (Demand Promissory Note)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debit)
√
√
-
B Debtor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Commission
√
√
-
5 Demand promissory note number
-
-
-
6 Beneficiary's name
-
-
-
SADAD Payments System – (10)
No.
Information Standards
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Bank/Branch/Management/Electronic Banking Channel)
√
√
-
2 Service Channel Location (City Name for Branch/Management/Electronic Banking Channel)
√
√
-
3 Transaction Reference Number (Generated by SADAD system - 9 digits)
√
√
-
4 Transaction Type (SADAD Payments)
√
√
-
5 Transaction start date
√
√
6 Transaction start time (mandatory for ATM transactions, optional for regular transactions)
√
√
Mandatory for ATM transactions. Optional for regular transactions
7 Due date (debtor)
√
√
-
B Debtor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Biller name (company name) Example: Saudi Telecom Company, Saudi Electricity Company, Mobily, Ministry of Interior - Traffic Violations, Ministry of Interior - Driver’s License, Ministry of Interior - Vehicles, Ministry of Interior - Saudi Passports, and others
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4 Invoice number or biller subscription number (for Saudi Telecom Company and Saudi Electricity Company) / or beneficiary ID number (for the Ministry of Interior)
-
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C Creditor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Biller name (company name) Example: Saudi Telecom Company, Saudi Electricity Company, Mobily, Ministry of Interior - Traffic Violations, Ministry of Interior - Driver’s License, Ministry of Interior - Vehicles, Ministry of Interior - Saudi Passports, and others
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4 Invoice number or biller subscription number (for Saudi Telecom Company and Saudi Electricity Company) / or beneficiary ID number (for the Ministry of Interior)
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Direct Debit Payments - (11)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Bank Name and Branch/Department where the transaction occurs)
√
√
-
2 Service Channel Location (City Name where the Branch/Department is located)
√
√
-
3 Transaction Reference Number (System-generated unique reference number) + Local System Transaction ID
√
√
Local System Transaction ID
4 Transaction Type (Direct Debit Payments)
√
√
-
5 Start Date of the Transaction
√
√
-
6 Start Time of the Transaction
√
√
-
7 Maturity Date (Debtor)
√
√
-
B Debit Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Beneficiary Name (Originator's Name)
-
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5 Beneficiary Bank (Guaranteeing Bank Name)
-
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6 Direct Debit Authorization Number
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Foreign Currency Purchase (Cash) - (12)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Bank Name and Branch where the transaction occurs)
√
√
-
2 Service Channel Location (City Name where the Branch is located)
√
√
-
3 Transaction Reference Number (System-generated unique reference number)
√
√
-
4 Transaction Type (Foreign Currency Sale)
√
√
-
5 Start Date of the Transaction
√
√
-
6 Start Time of the Transaction
√
√
-
7 Maturity Date (Creditor)
√
√
-
B Creditor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Currency Purchased from the Customer
-
-
US Dollar, Euro, AED + Amount
Foreign Currency Sale (Cash) - (13)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Bank Name and Branch where the transaction occurs)
√
√
-
2 Service Channel Location (City Name where the Branch is located)
√
√
-
3 Transaction Reference Number # (System-generated unique reference number)
√
√
-
4 Transaction Type (Foreign Currency Purchase)
√
√
-
5 Start Date of the Transaction
√
√
-
6 Start Time of the Transaction
√
√
-
7 Maturity Date (Debtor)
√
√
-
B Debit Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Costs
-
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-
5 Commissions
√
√
-
6 Currency Sold
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-
US Dollar, Euro, AED + Amount
7 Depositor Name
-
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8 Depositor ID Number
-
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-
9 Source of Funds
-
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10 Purpose of Deposit
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Credit Card Settlements - Transactions - (14)
No
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1
Service Channel Name (Bank Name and Branch/Department where the transaction occurs)
√
√
-
2
Service Channel Location (City Name where the Branch/Department is located)
√
√
-
3
Transaction Reference Number (System-generated unique reference number)
√
√
-
4
Transaction Type (Credit Card Settlement)
√
√
-
5
Start Date of the Transaction
√
√
-
6
Start Time of the Transaction (Mandatory for ATM/online banking transactions, optional for other regular transactions)
√
√
Mandatory for ATM/online banking transactions.
7
Maturity Date (Debtor)
√
√
-
8
Maturity Date (Creditor)
-
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B Information on debit entries (entry for a demand deposit for the customer's current account). Credit card balance settlements are executed for the outstanding limit of the Visa credit card (Visa credit limit) at the beginning or end of each month, according to the arrangements agreed upon with the customer.
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
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-
4 Account Number (Credit Card) of the Beneficiary Creditor
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Point of Sale Operations – ATMs/Visa Card - (15)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (POS Number + Bank Name + Store Name)
√
√
-
2 Service Channel Location (Country or City Name of the POS)
√
√
-
3 Transaction Reference Number (ATM Number/Visa Card Number + Bank Name)
√
√
-
4 Transaction Type (Purchase via POS/Visa Card/Mada Card/Mada Pay/Apple Pay)
√
√
-
5 Credit Card Company
√
√
-
6 Transaction Start Time (Mandatory for ATM/Online Banking Transactions; Optional for Other Transactions)
√
√
Mandatory for ATM/Online Banking; Optional for Regular Transactions
7 Due Date (Debtor)
√
√
-
8 Due Date (Creditor)
-
-
-
B Debit Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Fees
√
√
Purchase via Visa Card / Cash Withdrawal
C Credit Ledger Information
1 POS Number
√
√
-
2 Bank Name of the POS
√
√
-
3 Store Name of the Transaction
√
√
-
4 Service Channel Location (City Name of the POS)
√
√
-
5 Country Name
√
√
-
6 Issuing Bank Name of the Card
√
√
-
7 Transaction Type (Purchase via POS/Visa Card/Mada Card/Mada Pay/Apple Pay)
√
√
-
8 Credit Card Company (Visa, MasterCard, American Express)
√
√
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Public Offering of Shares - Subscription - (16)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Delivery Name/Code (Bank Name + Branch Name where the operation is executed)
√
√
-
2 Delivery Location (City Name where the branch is located)
√
√
-
3 Transaction Reference Number (Generated by the system)
√
√
-
4 Transaction Type (Initial Public Offering – Subscription)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
Mandatory for ATM/Online Banking Transactions
7 Due Date (Debtor)
√
√
-
B Debit Entry Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Request Number for the Initial Public Offering
-
-
-
5 Entity/Company Name
-
-
-
6 Entity/Company Account Number
-
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C Credit Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
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4 Request Number for the Initial Public Offering
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5 Number of Shares Subscribed
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-
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6 Entity/Company Name
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7 Entity/Company Account Number
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8 Transfer Bank Name
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Pending Orders - (17)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name/Code (Name of Bank/Branch where the operation is executed)
√
√
-
2 Service Location (City Name of the branch executing the operation)
√
√
-
3 Transaction Reference Number (System generates a reference number) + The unique identifier number for the transaction concerning local system operations
√
√
Reference number specific to the local system transactions
4 Transaction Type (Standing Order)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
Mandatory for ATM/Online Banking Transactions
7 Due Date (Debtor)
√
√
-
B Debtor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Fees
√
√
-
5 Funded (Current order)
√
√
-
6 Beneficiary's Name
-
-
-
7 Beneficiary's account number
-
-
-
8 Beneficiary's address
-
-
-
9 Beneficiary's bank name
-
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-
10 Transaction details (type of current order and its reference number)
-
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-
C Creditor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Fees
√
√
-
5 Funded (Standing order)
√
√
-
6 Remitter's name
-
-
-
7 Account Number
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8 Remitting bank's name
-
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9 Purpose of the transfer
-
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10 Transaction details (type of current order and its reference number)
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Costs / Fees – Operations - (18)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name / Code (Name of the department / branch of the bank where the transaction is executed)
√
√
-
2 Service Channel Location (Name of the city where the branch executing the transaction is located)
√
√
-
3 Transaction Reference Number (The system generates a reference number for the transaction)
√
√
-
4 Transaction Type (Costs / Fees)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
√
√
-
B Debtor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
-
-
-
4 Transaction Details (Details of Costs / Fees)
-
-
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5 Name of Entity / Company
-
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-
C Creditor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
-
-
-
4 Transaction details (costs/fees details)
-
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5 Name of the entity / company
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Term Deposits - (19)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Name of the department / branch of the bank where the transaction is executed)
√
√
-
2 Service Channel Location (Name of the city where the branch/department executing the transaction is located)
√
√
-
3 Transaction Reference Number (Transaction Number)
√
√
-
4 Transaction Type (Term Deposit)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
√
√
-
8 Due Date (Creditor)
√
√
-
9 Type / Details of the deposit
-
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-
B Debtor Ledger Information (Funds are deposited as term deposits and a confirmation of the term deposits is issued to the customer)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
-
-
-
C Creditor Ledger Information (Upon maturity, the principal + interest is deposited as mentioned in the confirmation of the term deposits sent to the customer)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
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Term Loan Transactions - (20)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Name of the department / branch of the bank where the transaction is executed)
√
√
-
2 Service Channel Location (Name of the city where the branch/department executing the transaction is located)
√
√
-
3 Transaction Reference Number (Transaction Number)
√
√
-
4 Transaction Type (Term Loan)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
√
√
-
8 Due Date (Creditor)
√
√
-
B Debtor Ledger Information (Loan Installment Payment) (Installment schedule as per the agreement signed by the customer)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
-
-
-
4 Type of financing
-
-
-
5 Payment details
-
-
-
C Creditor Ledger Information (Loan Payment) (A confirmation of the loan detailing the loan specifics is sent to the customer)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
-
-
-
4 Type of financing
5 Financing details
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Murabaha Deposits - (21)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Name of the department / branch of the bank where the Murabaha deposit is made)
√
√
-
2 Service Channel Location (Name of the city where the branch/department executing the transaction is located)
√
√
-
3 Transaction Reference Number (Transaction Number)
√
√
-
4 Transaction Type (Murabaha Deposit)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
√
√
-
8 Due Date (Creditor)
√
√
-
B Information for Debits (Payment) (An investment confirmation of Murabaha containing investment details is sent to the customer)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
-
-
-
C Creditor ledger information (on the payment date) (a credit entry is made for the sale price, including the purchase amount + the profit mentioned in the Murabaha investment confirmation)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applicable Exchange Rate
-
-
-
Tawarruq Financing - (22)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Channel Name (Name of the department/branch where the operation is executed)
√
√
-
2 Service Location (City where the branch/department is located)
√
√
-
3 Transaction Reference Number (Murabaha transaction number)
√
√
-
4 Transaction Type (Murabaha Financing)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
√
√
-
8 Due Date (Creditor)
√
√
-
B Debit Entry Information (Payment of installment) (A Tawarruq financing confirmation containing the transaction number and details of the purchase and sale of the commodity is sent to the customer.)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
C Creditor Ledger Information (Tawarruq Repayment) (Confirmation of Tawarruq containing transaction number and details of goods purchase and sale is sent to the customer)
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
SAMA Orders - (23)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Service Delivery Channel Name (Name of the department/branch where the operation is executed)
√
√
-
2 Service Location (City where the branch is located)
√
√
-
3 Transaction Reference Number (The system generates a reference number for the transaction) + Unique Identifier Number for Rapid System Transactions
√
√
Unique identifier number for Rapid System Transactions
4 Transaction Type (Standing Order)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
√
√
-
B Debtor Ledger Information
1
Amount
√
√
-
2
Currency
√
√
-
3
Applied Exchange Rate
-
-
-
4
Fees
√
√
-
5
Commission (Standing Order)
√
√
-
6
Name of Beneficiary
-
-
-
7
Beneficiary Account Number
-
-
-
8
Beneficiary Address
-
-
-
9
Name / Code of Beneficiary Bank
-
-
-
10
Reference Number at SAMA
-
-
-
11
Purpose of Transfer if specified in SAMA Order
-
-
-
12
Transaction Details (Type of standing order and reference number)
-
-
-
C Creditor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Fees
√
√
-
5 Commission (Standing Order)
√
√
-
6 Name of Remitter
-
-
-
7 Account Number
-
-
-
8 Name of Remitter Bank
-
-
-
9 Purpose of Transfer if specified in SAMA Order
-
-
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10 Transaction Details (Type of standing order and reference number)
-
-
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Issuing a Bank Check - (24)
No.
Information Criteria
Arabic
English
Notes
A Establishing a Service Delivery Channel
1 Name / Code of the Service Delivery Channel (Name of the bank and the branch/department where the transaction is executed)
√
√
-
2 Location of the Service Delivery Channel (Name of the city where the branch/department is located)
√
√
-
3 Transaction Reference Number (Generated by the system)
√
√
-
4 Transaction Type (Issuing a Bank Check)
√
√
-
5 Transaction Start Date
√
√
-
6 Transaction Start Time
√
√
-
7 Due Date (Debtor)
-
-
-
8 Due Date (Creditor)
-
-
-
B Debtor Ledger Information
1 Amount
√
√
-
2 Currency
√
√
-
3 Applied Exchange Rate
-
-
-
4 Check Number
√
√
-
5 Name of Beneficiary - for Order
-
-
-
6 Name of Beneficiary
-
-
-