How To Open an Account with Riyad Bank Online

Riyad Bank—one of Saudi Arabia’s oldest and most trusted financial institutions—now allows customers to open a bank account online without visiting a branch. This service is designed to make banking faster and easier for both Saudi citizens and expatriates (Iqama holders).

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With just your Iqama/National ID, Absher account, and a registered National Address, you can create an account, verify your identity online, and receive your Mada debit card at your doorstep—all within minutes.

This guide explains everything you need to know about opening a Riyad Bank account online in 2025—including the full step-by-step process, requirements, and important tips to avoid errors.

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Step 1: Visit the Official Riyadh Bank Website

Start by visiting the official Riyadh Bank online account opening page:
 https://www.riyadbank.com/online-account-opening

You can also go to the main website, www.riyadbank.com, and navigate to

Personal Banking → Current Account → Open Account Online

This page contains the latest terms, eligibility, and a secure link to the account application portal.

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 Step 2: Choose “Open a Current Account Online.”

Click on “Open Account Online” to start your application.
You’ll be redirected to Riyad Bank’s secure digital banking portal, where you can begin entering your personal details.

This process is completely digital—no need to print forms or visit a branch unless you face a verification issue (explained later).

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Step 3: Verify Your Identity Using Absher

This is one of the most important steps.
Riyad Bank uses Absher (Saudi e-service platform) for instant identity verification.

• Click “Proceed with Absher.”

• Log in to your Absher account

• Approve the request to share your identity information with Riyad Bank

Once verified, your name, ID number, and other personal details will be auto-filled in the form.

Note: You must have an active Absher account and your mobile number must be linked to it. Without this, online verification will not work.

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Step 4: Fill Out Your Personal Information

After logging in via Absher, continue by filling in your:

• Full Name (in English and Arabic)

• Gender

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• Nationality

• Date of Birth

• Marital Status

• Education Level

• Place of Birth

Make sure these details match your official ID. Any mismatch can cause your application to be rejected automatically.

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Step 5: Provide Employment and Financial Details

Next, fill in your job and income information:

• Occupation/Job Title

• Employer Name

• Employment Sector (private, government, self-employed)

• Monthly Salary Range

• Other Sources of Income (if any)

This step is required under Saudi Central Bank (SAMA) regulations to confirm your income source.

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Step 6: Add Your National Address

Every Riyad Bank customer must have a registered National Address (عنوان وطني) under Saudi Post.

If you already have a national address, the system will automatically fetch it using your ID number.

If not, you can enter it manually:

• City

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• District

• Street Name

• Building Number

• Postal Code

To register or check your National Address, visit https://register.address.gov.sa.

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Step 7: Enter Your Contact Information

Provide your:

• Mobile Number (must be linked to Absher)

• Email Address (for bank communication)

You’ll receive an OTP (One-Time Password) via SMS to confirm your mobile number.

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Step 8: Review and Submit

Before submitting your application:

• Double-check all personal, employment, and contact details

• Read the bank’s terms and conditions carefully

• Tick the checkbox confirming accuracy and agreement

Finally, click “Submit Application.”

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Step 9: Account Creation and Confirmation

Once your data is verified:

• Your Riyad Bank account will be created instantly

• You’ll receive an IBAN (International Bank Account Number) and a confirmation message

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• You can start using Riyad Online or the Riyad Mobile App immediately for digital banking

Your Mada debit card will be delivered to your registered National Address within a few working days.

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Step 10: If Absher Login Fails or You Have Issues

If you don’t have an Absher account, or if the online verification fails:

• Complete the online form as much as possible

• Download or print the PDF reference form

• Visit your nearest Riyad Bank branch with your ID/Iqama and the printed form

• A bank officer will verify your details manually and activate your account

This ensures you can still open your account even without online verification.

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Requirements to Open a Riyad Bank Account Online

You must meet the following conditions:

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Minimum Deposit & Fees

According to GSL and Riyadh Bank’s own disclosures:

• No fixed minimum balance is required to open a personal current account.

• You only need to deposit SAR 1 within 90 days after account activation.

• No account-opening fees are charged.

However, always review the latest fee schedule on the official website for updates.

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Benefits of Opening a Riyad Bank Account Online

1.  No branch visit required (for eligible applicants)

2.  Quick verification through Absher

3.  Free mada debit card delivery

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4.  Instant access to Riyad Online and Riyad Mobile

5.  Secure digital onboarding under SAMA regulations

6.  SAR 1 initial deposit only (no high balance needed)

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Important Tips

• Make sure your Absher account and national address are updated before starting.

• Always enter information exactly as it appears on your Iqama or National ID.

• If you face technical issues, try again from a desktop browser (Chrome or Edge) instead of a mobile phone.

• Keep your mobile nearby to receive OTP messages.

• After receiving your Mada card, activate it through Riyad Online or an ATM.

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Final Thoughts

Opening a Riyad Bank account online is one of the easiest digital banking processes in Saudi Arabia. Whether you’re a Saudi national or an expat, you can complete everything in less than 10 minutes—from identity verification to receiving your IBAN.

The process is 100% secure, approved by SAMA (Saudi Central Bank), and saves you the time of visiting a branch.

👉 To start now, visit:
🔗 https://www.riyadbank.com/online-account-opening