Investment Wakalah Program

Are you looking for the best investment bank account?

If you are looking for the best and easiest way to invest, Bank Albilad is your destination.
Now you can get higher returns through our Shariah compliant  Investment Wakalah program.The Investment Wakalah Program is ideal for your investment due to its low risk. 

What are the features of the investment account?

  • No fees
  • Higher returns on your money.
  • Ability to open the investment account online without the need to visit the branch.
  • A sharia compliant alternative option to the conventional investment deposits. 
  • Available in two currencies: Saudi riyal - US dollar.
  • Flexible investment periods; one month - 3 months - 6 months - 12 months
  • Ability to cancel your investment before the due date **
  • Low-risk investment account
  • Available for Saudis and non-Saudi 
** In case of cancellation of the Investment Wakalah program before the due date, no profits will be granted for the period between the investment contract start and the withdrawal of the investment amount.

How can I open the investment account online?

  • Log in to  Albilad net
  • Choose a Investment Wakalah from the main menu.
  • Choose open a new account.
  • Then choose the account from which the amount will be deducted (current account / Albilad account).
  • Choose the investment period and complete the steps to open the account.

What are the conditions for an investment account?

  • The customer must be at least 18 years’ old.
  • Any individual customer can benefit from a Investment Wakalah account if he already has a current account.
  • The minimum entry for investment is SAR 100,000 or $30,000.

Is the profit earned on Investment Wakalah account consistent with Islamic principles?

Yes, the profit gained from the Investment Wakalah account is based on the principle of Mudaraba and Murabaha

 What is the minimum term for Investment Wakalah account?

The minimum term of Investment Wakalah account is one month.

What is the maximum period for Investment Wakalah account?

The maximum period for Investment Wakalah account is one year.

What is the expected profit that I can earn from Investment Wakalah account?

The expected profit rate in the Investment Wakalah account varies according to the period and the amount.

Example of a profit distribution for Investment Wakalah account in SAR

Number of months
​Minimum amount
​Anticipated Profit Rate
​Number of Investment Days
​Anticipated Profit Return to the Customer

Example of a profit distribution for Investment Wakalah account in USD

​Number of months
​​Minimum amount

​Anticipated Profit Rate
​​Number of Investment Days
​Anticipated Profit Return to the Customer

What is the minimum amount required to open Investment Wakalah account?

One hundred thousand Saudi riyals / thirty thousand US dollars

 Who can open Investment Wakalah account?

Currently, any individual customer of AlBilad can open the  Investment Wakalah account through his account in Al Bilad Net.

Can the customer withdraw the Investment Wakalah account before the expiration of the period?

Yes, the customer can withdraw the amount in the Investment Wakalah account before the specified period ends, but there will be no profits

 Are there any fees for opening Investment Wakalah account?

Currently there is no fee.

 Do I have to visit the branch to open Investment Wakalah account?

No, you can only open an account through AlBilad Net.

What are the requirements for opening Investment Wakalah account?

You just need to have a current account with Bank Albilad.

Can I open more than one Investment Wakalah account?

Yes, it is possible to open up to 5 accounts in one day

 What currencies can Investment Wakalah be opened in?

The Saudi Riyal / US Dollar

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