Top up Financing By Bank Albilad

09-07-2025

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.
Financing is available up to 70 years old
Customer's salary should be 3,000 SAR or more for Saudis and 3,500 SAR for non-Saudi

FAQs

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 amount	SAR 100,000
Total profit margin	SAR 22,500
APR	9.15%
Management fees	Management fees is 1% of the Financing Amount with Cap. of SAR 5,000
Finance duration	60 months
Total finance cost	SAR 122,500
Monthly installment	SAR 2,041.67

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

TERMS AND CONDITIONS APPLY.

Risk Disclaimer

In the event that shares were not deposited at the time of signing the contract or was delayed due to circumstances beyond the control of the first party or the Al-Bilad Investment Company, then the First Party or Al-Bilad Investment Company does not bear any responsibility as a result of that delay, especially what is related to the decline in the share price or any technical failures outside First party will.
In the event the customer delays executing the commodity request within the specified period, the commodity shall be sold based on the customers authorization. in case the customer request to collect the commodity, they shall bear all costs related to shipping, storage, insurance, and any other associated or fees.
If it appears that the customer has provided incorrect or forged information or data, the bank has the right to cancel the contract and return to the customer with all the damages incurred by the bank.
Throughout the term of the financing contract, and until the bank has met the full price of the sale subject of the financing contract, the customer is obligated to transfer his monthly salary to the current account / country account opened with the bank and to provide evidence of a currency entity’s commitment to transfer his salary to the bank.
It is important for the customer to make sure to pay the dues on time, as the customer's credit record is adversely affected in the event of default or late payment.
In the event of change in the customers financial circumstances such as a salary reduction or early retirement, the financing will be rescheduled in accordance with the approved policies, provided that the required documents are submitted to the bank through the approved channels.

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Albilad Phone

To call Bank Albilad from Saudi Arabia: 8001230000, and from outside the Saudi Arabia: 00966920001002

8001230000

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All Rights Reserved © 2025 Bank Albilad is a Saudi joint stock company, with National Unified No. 7001473102, Head Office: Al Mutamarat 8229, Building No 2, RIYADH 3952 - 12711, KSA. Under monitoring and supervision of Saudi Central Bank and licensed by Royal decree 48/M on 1425/9/21H (4/11/2004 G).

Top up Financing