SNB Online Banking for Expats: Services You Should Know About

If you’re an expat in Saudi Arabia, managing your money isn’t always simple — but SNB (Saudi National Bank) makes life much easier with its online banking services. Whether it’s paying bills, transferring money, or updating your Iqama to avoid account freezes, SNB online banking puts almost everything at your fingertips.

Here’s a step-by-step guide to the main services available for expats.

Step 1: Access SNB Online Banking

Before using any service, you need to log in.

1. Visit the SNB Online Banking portal (or use the SNB mobile app).

2. Enter your User ID and Password.

3. Confirm your login with the OTP (One-Time Password) sent to your registered mobile number.

Step 2: Update Iqama Details Online

This is one of the most important services for expats. If your Iqama expires and you don’t update it, your account could get frozen.

1. Log in to your SNB online banking account.

2. Go to Profile Settings.

3. Select Update ID/Iqama Information.

4. Enter the renewed Iqama details and upload (if required).

5. Submit and wait for confirmation SMS.

👉 I’ve explained the full process in detail here: How to Update Iqama in SNB Online (Avoid Frozen Accounts).

Step 3: Transfer Money Internationally

Expats often need to send money home. With SNB, you can do it in a few clicks.

1. Log in to SNB Online Banking.

2. Select Transfers → International Transfer.

3. Add a Beneficiary’s Bank Details (IBAN, Bank Name, Country).

4. Enter the amount and confirm the transfer.

5. Approve using OTP.

⚡ Pro tip: Register your beneficiary in advance to save time.

Step 4: Pay Utility Bills Online

No need to stand in long queues to pay bills anymore. SNB online banking supports SADAD bill payments.

1. Log in to your account.

2. Select Bills → Pay Bills via SADAD.

3. Choose the biller (electricity, water, telecom, internet, etc.).

4. Enter the account/reference number.

5. Confirm payment and save your receipt.

Step 5: Recharge Mobile Balance

You can top up your prepaid SIM directly from SNB online banking.

1. Select Mobile Recharge under the payments menu.

2. Enter your mobile number and provider (STC, Mobily, Zain, etc.).

3. Choose the recharge amount.

4. Confirm with OTP.

Step 6: Manage Credit Cards

SNB online lets you control your credit cards without visiting a branch.

• View statements

• Pay credit card bills

• Increase or decrease limits (if eligible)

• Request replacement cards

Step 7: Open and Manage Savings Accounts

You can open additional accounts or manage existing ones through online banking.

1. Select Accounts → Open New Account.

2. Choose the account type (current, savings, etc.).

3. Complete the application form and confirm.

Step 8: Apply for Loans or Finance

SNB online banking also allows you to apply for personal finance or loan services.

1. Log in to your account.

2. Go to Finance/Loan Services.

3. Check eligibility and apply.

4. Upload necessary documents.

5. Wait for approval notification.

Final Thoughts

SNB online banking makes life easier for expats in Saudi Arabia by offering everything — from Iqama updates and money transfers to bill payments and loan applications