Expats Affluent Banking

• 50% off on administrative fees for all personal financing products.
• Annual percentage rate APR: 8.29% for personal finance

• No administrative fees for Car Leasing Program (50/50).
• Offers on 50/50 and monthly installment auto lease financing programs.

* APR starting from 7.33%
* The APR may vary depending on the financing amount, duration, and each customer’s credit profile.

• Limited Duration Premium Residency (1 to 5 years, renewable)	Unlimited Duration Premium Residency	Credit Criteria
  (Ʀ) 15,000	(Ʀ) 15,000	Minimum salary
  Up to 15 Years	Up to 30 Years	Financing maximum period
  Up to 3 Million	Up to 10 Million	Financing maximum amount
  30%	30%	Down payment
  FLAT starting from 6.98%	FLAT starting from 6.71%	Financing prices

• alinma Platinum and Diamond Banking without the end-of-service reward requirement
  30,000 (subject to salary transfer)	Minimum salary
  Up to 15 years	Maximum financing tenure
  12 months	Minimum service period
  30%	Down payment
  6.82%	Minimum profit rate
  28 February 2026	Financing Rates

• (The minimum age is 21 to 60 years)

• fee-free transfers for Diamond customers on domestic and international transactions via alinma Express and SWIFT.
• 50% discount on transfer fees for Platinum customers on domestic and international transactions via alinma Express and SWIFT
• Competitive exchange rates with the alinma Express service.
• Fast and secure transfers through the alinma app and branches.

• Free issuance with no annual credit card fees (starting from February 1 to February 28, 2026).
• Free issuance with no annual credit card fees for first additional supplementary (starting from February 1 to February 28, 2026).
• Free issuance of the first Traveler card. ( offer valid from February 1 to February 28, 2026)

Annual percentage rate APR: Credit card starting from 34%.

Earn points with the “akthr” Loyalty Program as follows:

• 200,000 akthr points upon signing the Real-estate financing contract.
• 100,000 akthr points upon signing the personal financing contract.
• 50,000 akthr points upon signing the auto-lease financing contract.
• 30,000 points upon issuing Murabaha credit cards (Signature and Infinite
• Earn Akthr loyalty points from Alinma when you use your Alinma cards for purchases.

• Annual return of up to 2.25% for balances up to SAR 1 million.
• Annual return of up to 3% for balances exceeding SAR 1 million.

• 30% discount on trading commission for alinma Platinum customers.
• 40% discount on trading commission for alinma Diamond customers.
• Free technical analysis.
• Access to trading across all Alinma Investment digital platforms.

Product:

• Retirement protection and saving Program.
• Ladies protection and savings Program.
• Education protection & saving Program.
• Marriage protection and savings Program.

Benefits:

• Flexibility in the contribution amount, starting from Ʀ 300 per month.
• Coverage in the event of death, up to Ʀ 1,575,000.
• Coverage for critical illnesses for women, up to Ʀ 200,000.
• Option to choose from various investment strategies tailored to protection and savings products, managed by Alinma Investment.
• Temporary suspension option.
• Partial withdrawal in case of emergencies.
• 10,000 points upon subscribing to the protection and savings product.

Product:

• Istithmar Program

Benefits:

• You can start your investment with a minimum of Ʀ 25,000.
• Flexibility in the program duration (from 3 years to 15 years).
• Coverage in the event of natural death ranges from Ʀ 15,000 to Ʀ 250,000.
• 10,000 points upon subscribing to the protection and savings product
• The investment program offers a one-time investment option aimed at achieving long-term growth.
• Tailored savings and protection plans designed to secure your future.