Reviewed on 5 July 2026 Empowering Your Financial ChoicesDiscover flexible, transparent, and personalized solutions that fit your financial ambitions. Personal Finance Home Finance Murabaha Deposits Cards SME Finance AlBarakah Savings Account Term Loan Example Breakdown Finance Amount 100,000Repayment Period (Tenor)5 yearsAPRStarting from 4.93%Installment Amount 1,857.49 *The Annual Percentage Rate (APR) may differ based on the amount and maturity period. Personal Finance Calculator The APR calculation includes VAT applied to the annual fee Enter the details below to view your monthly installments, finance amount, annual profit rate, and flat rate. Monthly Salary Government Semi-Government Military Private Retired Government Semi-Government Military Private Retired Employer Sector Finance Tenor (months) Months Years Months Years Months Please note that these are simulated amounts representing approximate numbers only, without taking into account your monthly obligations and credit bureau results. For exact figures please call 800-124-8000 or visit your nearest SIB Branch. All personal financings are subject to credit approval. Finance Amount 0.00 Monthly Installment 0.00 Annual Profit Rate 0% Flat Rate 0% Apply Now Reset Calculation Please note that these are simulated amounts representing approximate numbers only, without taking into account your monthly obligations and credit bureau results. For exact figures please call 800-124-8000 or visit your nearest SIB Branch. All personal financings are subject to credit approval. Home Finance Example Breakdown Property Evaluation 500,000LTV90%Term Cost TypeFixedAnnual Percentage Rate (APR)7.40%Finance Tenor15 yearsPayment MethodMonthly Deduction from Customer's SalaryMonthly Installment Amount 4,037.18Payment TypePrincipal and ProfitEarly Settlement Amount1-2 Years: Total profit amount of the 1st two years. After 2 years: Profits of the 3 subsequent installments. *The Annual Percentage Rate (APR) may differ based on the amount and maturity period. Home Finance Calculator The APR calculation includes VAT applied to the annual fee Enter the details below to view your monthly installments, finance amount, annual profit rate, and flat rate. Is this your first house? Yes No Property Price Monthly Salary Finance Tenor (years) Years Years Months Years Months Monthly Expenses Down Payment Please note that these are simulated amounts representing approximate numbers only, without taking into account your monthly obligations and credit bureau results. Maximum age at maturity is 70 years. If the finance period exceeds your retirement age, eligibility will be based on your projected pension salary. For exact figures please call 800-124-8000 or visit your nearest SIB Branch. All personal financings are subject to credit approval. Monthly Installment 0.00 Estimated monthly installment for this property based on Actual Finance Amount Actual Finance Amount 0.00 Maximum Finance Eligibility 0.00 Annual Profit Rate 0% Flat Rate 0% Apply Now Reset Calculation Please note that these are simulated amounts representing approximate numbers only, without taking into account your monthly obligations and credit bureau results. Maximum age at maturity is 70 years. If the finance period exceeds your retirement age, eligibility will be based on your projected pension salary. For exact figures please call 800-124-8000 or visit your nearest SIB Branch. All personal financings are subject to credit approval. Repayment Schedule Month Monthly Installment Principal Amount Profit Amount Remaining Balance Example Breakdown 1-Month ExampleInvestment Amount 100,000Investment Tenor (Months)5Profit Margin %0.400Number of Withdrawals AllowedNot Applicable 6-Month ExampleInvestment Amount 1,400,000Investment Tenor (Months)6Profit Margin %1.000Number of Withdrawals AllowedNot Applicable 12-Month ExampleInvestment Amount 1,000,000Investment Tenor (Months)12Profit Margin %0.550Number of Withdrawals AllowedNot Applicable *The above tables are for illustration only, and the profit margin may differ according to the amount and maturity period. Select which type of calculator you would like to explore Credit Limit & APR Loyalty Points Foreign Exchange The APR calculation includes VAT applied to the annual fee Enter the details below to view your estimated credit limit and profit rates. Your Age (Years) Monthly Salary Employment Sector Salary Transferred to SIB Non Salary Transfer Salary Transferred to SIB Non Salary Transfer Salary Transfer Status Monthly Expenses Eligible Credit Limit 0.00 Annual Profit Rate 0% Monthly Profit Rate 0% Apply Now Reset Calculation The amounts shown are estimates based on the details you provide. They do not take into account monthly obligations or credit bureau assessments. For exact figures please call 800-124-6000 or visit your nearest SIB Branch. All credit cards are subject to eligibility and bank approval. Example Breakdown Card TypeVisa Platinum Credit CardCredit Limit10,000Amount Used10,000Monthly Profit Rate (Tawarruq)2.49%Annual FeeAll new cards issued after December 15 will have no annual fees.399Minimum Payment Due5%Annual Percentage Rate (APR)45.41%Period to Pay Total Outstanding60 months Enter your spending details to estimate the points you could earn. Spending Category Spending Amount 0 Estimated Points Earned Reset Calculation Actual points may vary based on eligible transactions and applicable terms. How do I earn Loyalty Points? Points are calculated monthly and credited to your account by the 14th of each month. CategoryPoints per 1 Spent (No Limit)Cash withdrawals outside KSA1 pointPurchases in KSA & GCC0.5 pointsPurchases in EU & UK1 pointPurchases in other countries1.5 points Points are calculated monthly and credited to your account by the 14th of each month.No SIB Rewards Points are earned on SADAD transactions, bill payments made via Digital Banking or ATMs, or when adding money to digital wallets. Enter the amount in USD to view the estimated transaction value and applicable fees. Transaction Amount (USD) Exchange Rate (Indicative): 1 USD = $ 3.75 International Transaction Fee: 2% 0.00 0.00 0.00 Reset Calculation Short-Term Loans Annual Percentage Rate (APR)5%-7 % plus SIBORAdministration Fees1.5%-3%Minimum or Maximum Administrative FeesN/A Mid-Term Loans Investment Amount%-8% plus SIBORAdministration Fees1.5%-3%Minimum or Maximum Administrative FeesN/A Above rates may change based on the credit record of the entity. Explore Our SME Products Profits Calculators Estimated annual profits based on your account balance on current fixed profit rate of 3.5% *These figures are for simulation purposes only and may vary based onyour monthly obligations and credit profile. For exact figures please call 800-124-8000 or visit your nearest SAIB Branch. Compare Your Savings Profits Across Banks *These figures are for simulation purposes only and may vary based onyour monthly obligations and credit profile. For exact figures please call 800-124-8000 or visit your nearest SAIB Branch. Open Your Account AlBarakah Savings Account Terms & Conditions