IBAN & Transfer Details

Enter a Saudi IBAN number to validate and estimate transfer fees.

How to Validate a Saudi IBAN & Estimate Transfer Fees

1

Step 1: Enter Your IBAN Number

Enter the full 24-character Saudi IBAN starting with SA. Spaces are optional — the validator will clean the input automatically.

2

Step 2: Select Transfer Type

Choose between SARIE (free local transfers), Mada (low-cost local), or International SWIFT. Each has different fee structures.

3

Step 3: Enter Transfer Amount

Enter the amount you plan to transfer in SAR. The fee estimator calculates costs based on the transfer type and amount.

4

Step 4: View Validation & Fee Results

The tool validates the IBAN format, identifies your bank from the bank code (characters 3-4), and estimates transfer fees.

5

Step 5: Review Bank Details

Review the identified bank name and bank code. Valid IBANs show a green check, invalid ones show a red cross with error details.

Understanding Saudi IBAN & Transfer Fees

Saudi IBAN structure: SA + 2 check digits + 2 bank code digits + 18 account digits. Bank Codes: 10=SNB, 20=Al Rajhi, 30=Albilad, 40=Arab National, 50=Alinma, 60=AlJazira, 65=SABB, 70=Saudi Fransi, 75=Riyad Bank. Transfer Types: 1. SARIE: Free, instant, local SAR transfers between Saudi banks. 2. Mada: SAR 2-5, local transfers through Mada network. 3. SWIFT: SAR 75-150 + ~2% exchange margin for international transfers.

Example Transfer

SA80 1000 0000 0000 0000 0000 Bank Code: 80 = Al Rajhi Bank International SWIFT Transfer of SAR 10,000 Flat Fee: SAR 100 Exchange Margin (2%): SAR 200 Total Cost: SAR 300

Frequently Asked Questions About IBAN & Transfers

What is a Saudi IBAN structure?
SA + 22 digits (24 total). First 2 digits after SA = bank code, remaining = account number with check digits.
How to identify bank from IBAN?
Characters 3-4 after SA. 10=SNB, 20=Al Rajhi, 30=Albilad, 40=Arab National, 50=Alinma, 60=AlJazira, 65=SABB, 70=Saudi Fransi, 75=Riyad Bank.
Difference between SARIE and SWIFT?
SARIE: free, instant, local. SWIFT: SAR 75-150 + 2% margin, international, 1-5 business days.
Cost of international transfers?
SAR 75-150 flat fee + ~2% exchange margin. For SAR 10,000: ~SAR 275-350 total.
Is SARIE really free?
Yes, SARIE transfers between Saudi banks are free and instant as regulated by SAMA.
Mada transfer fees?
SAR 2-5 for local Mada transfers.
Where to find my IBAN?
Bank statement, mobile app account details, or bank branch.

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This tool validates IBAN format only. Transfer fee estimates are based on standard rates. Confirm with your bank for exact fees.

Last updated: July 2026 · Based on SAMA regulations and Saudi bank fee schedules