Top up Financing

 Top up Financing By Bank Albilad


Get your Top-up Financing simple click!   


Now you can request Top-up Financing via the Albilad App or Albilad Net without visiting the branch

As a part of our efforts to provide you with the best solutions, we are happy to provide you with the Top Up financing that allows you to get additional shares financing based on what you have paid back from your current financing and on the change in your salary. 

Download Albilad App now !


What are the key features of Bank Albilad Top up Financing?

Here’s what you can expect from our Top up Financing service: 
  • Sharia-compliant financing service
  • Available to Saudi and non-Saudi
  • Ability to choose the desired Shariah approved shares from the local market
  • Ability to choose the desired Shariah approved Commodity 
  • Early settlement is available
  • Execute your financing day or night through our sales centers
  • Financing period up to 5 years
  • Available for retired customers

​How to apply for Top Up through Albilad App?

  • Login to Albilad App 
  • Click on Finance from Main Menu
  • Choose Finance type
  • Submit the request

Terms and Conditions 

  • Open current account with Bank Albilad 
  • Customer must be an employee of a public or private sector approved by Bank Albilad.
  • Customer's salary should be 3,000 SAR or more for Saudis and 3,500 SAR for non-Saudi



What documents do I require to submit for the financing?

If the application was submitted through the Albilad application or Albilad Net:

  • Attach a definition from the employer, including the monthly salary, the job title, and the start date of joining the work.

If the application was submitted through the Albilad branches:

  • Valid ID 
  • ID copy for military employees
  • Fill out disclosure form 
  • Filling "Local Shares Installment Purchase Order" Form
  • A letter from the customer's employer indicating: monthly salary (Basic and allowances), job title, date of employment
  • A statement of salary transfer from employer 

Is there any management fee?

The management fee is 1% of the financing amount with cap. of SAR 5,000.


How the profit margin is calculated?

Here is an example of how the profit margin is calculated:

Top Up
Finance amountSAR 100,000
Total profit margin
SAR 22,500
Management feesManagement fees is 1% of the Financing Amount with Cap.
 of SAR 5,000
Finance duration60 months
Total finance cost
SAR 122,500
Monthly installmentSAR 2,041.67

APR may differ depending on the amount, maturity period and credit scoring of the customer



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