How to pay bills using online banking in Saudi Arabia


As we navigate the digital era, online banking has become an indispensable tool for managing our finances conveniently. In Saudi Arabia, online banking offers a plethora of features, including the ability to pay bills seamlessly. For young adults just starting to explore the world of personal finance, here’s a comprehensive guide on how to use Saudi online banking to pay bills efficiently.

1. Choose the Right Bank

Before diving into online bill payments, it’s essential to choose the right bank that aligns with your needs. Popular banks in Saudi Arabia, such as Al Rajhi Bank, SNB, SAB, and Riyad Bank, offer robust online banking platforms. Visit their websites or branches to open an account if you haven’t already.

2. Set up your online banking account

Once you’ve chosen a bank, the next step is setting up your online banking account. Visit the bank’s official website or download their mobile app from your device’s app store. Follow the registration process, which usually involves providing your personal information and creating login credentials.

3. Link your accounts

After registering, link your accounts to the online banking platform. This includes your savings or current account from which you’ll be making bill payments. Most banks make this process straightforward, guiding you through the necessary steps.

4. Explore the bill payment section

Once logged in, navigate to the bill payment section. This may be labeled as “Payments,” “Transfers,” or a similar term, depending on the bank. Familiarize yourself with the layout and options available.

SAMA has provided SARIE (instant money transfer to friends and family) and SADAD (for banks, governments, and businesses) as payment methods to make it easy to pay bills.

5. Add payees

To pay bills online, you’ll need to add payees, which are the companies or organizations you’re paying. Common payees include utility companies, telecom providers, and credit card companies. Locate the “Add Payee” or similar option and enter the required details, such as the payee’s name and your account number.

6. Verify payee information

Before proceeding with payments, double-check the information you’ve entered for each payee. Accuracy is crucial to ensure your payments reach the intended recipients promptly.

7. Schedule payments

One of the perks of online banking is the ability to schedule payments in advance. Whether it’s a one-time payment or a recurring monthly expense, set the payment date according to your preferences. This feature is particularly useful for budgeting and avoiding late fees.

8. Security measures

Prioritize the security of your online banking account. Use strong, unique passwords, enable two-factor authentication if available, and avoid accessing your account on public computers. Regularly monitor your account for any suspicious activities.

9. Keep track of payments

Stay organized by keeping a record of your bill payments. Most online banking platforms offer transaction history, allowing you to review past payments and track your expenses effectively by adding tags or giving you statistics on your spending habits.

10. Customer support

Should you encounter any issues or have questions about the online banking platform, don’t hesitate to contact the bank’s customer support. They are there to assist you and provide guidance on using the platform effectively.


Embracing online banking for bill payments is a smart and efficient way for young adults to manage their finances. By following these steps and exploring the features offered by your chosen bank, you can streamline the bill payment process, giving you more time to focus on your goals and aspirations. Take control of your financial journey today with the power of Saudi online banking!

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