IBAN
Saudi Arabia uses IBAN as the primary account identifier, with IBANs being 24 characters long. The Saudi Arabian Monetary Authority (SAMA) mandates IBAN for all domestic and international transfers processed through the SARIE payment system.
At a glance
Country
Saudi Arabia
Identifier
IBAN
Format
24 characters
Used for
Domestic transfers
Format breakdown
SA
Country
1–2
Country code
03
Check Digits
3–4
Checksum validation
80
Bank Code
5–6
Institution (e.g. 80 = Al Rajhi)
000000608010167519
Account
7–24
Account number
How it works
The Saudi IBAN contains the country code (SA), 2 check digits, a 2-digit bank code, and an 18-digit account number. SARIE (Saudi Arabian Riyal Interbank Express) handles real-time gross settlement for domestic transfers.
Where to find yours
In your online banking app, on your bank statement, or by visiting your bank branch. Many Saudi banks provide an IBAN calculator tool.
Payment systems in Saudi Arabia
| System | Speed | Description |
|---|---|---|
| SARIE | Real-time | Saudi Riyal interbank express for high-value and retail transfers |
| mada | Instant | National payment network for debit card and POS transactions |
| STC Pay / urpay | Instant | Popular mobile payment wallets in Saudi Arabia |
Major banks in Saudi Arabia
Good to know
IBAN is mandatory for all SAR transfers in Saudi Arabia — transfers without IBAN will be rejected.
Bank codes: 80 = Al Rajhi, 10 = SNB, 20 = Riyad Bank, 45 = SABB.
STC Pay is one of the most widely used digital wallets and supports IBAN-based transfers.
Related tools
Other countries
Frequently asked questions
Don't see the answer you're looking for? Get in touch.
Apply in less than 10 minutes today
Join the 5,000+ businesses already using Slash.