ANB serves freelancers across the Arab region. Cross-border remittances arrive with transliterated beneficiary names — Kashfbank parses them cleanly into income rows.
Convert your ANB statementArab National Bank (ANB), founded in 1979 and headquartered in Riyadh, was established as a joint venture with the Arab Bank Group. It is widely used by freelancers serving Arab-region clients — Jordan, Egypt, Lebanon, UAE — because cross-border Arab transfers settle reliably through its network.
ANB is a conventional bank with both standard and Islamic-window accounts. Your statement shows inbound Sarie transfers from local Saudi clients, inbound SWIFT credits from foreign clients (often with mixed Arabic-Latin beneficiary names), POS-MADA debits, and any financing installments. Sorting freelance income from personal moves is the first task.
The ANB statement runs: Date (DD/MM/YYYY), bilingual Description, Reference Number, Debit, Credit, Running Balance. Income-side rows: "حوالة سريعة واردة" for inbound Sarie from local clients, "حوالة دولية واردة" for inbound SWIFT from foreign clients (the originating bank's BIC and sender country usually appear in the description), and "راتب" if you also hold a salaried role.
Cross-border Arab transfers may show transliterated names in Latin script within Arabic-dominant description rows. Kashfbank's parser handles mixed-script fields without truncation, so the full beneficiary chain is preserved in the CSV.
Filter the CSV by description keyword and the freelance picture comes into focus.
ANB statements are bilingual PDFs with a well-organised columnar layout: Date (DD/MM/YYYY), Description (bilingual), Reference Number, Debit, Credit, Running Balance. Descriptions for cross-border Arab transfers may appear in both Arabic and transliterated English. The format is stable and parses reliably.
| Label | Meaning |
|---|---|
| حوالة سريعة | Sarie instant domestic transfer |
| حوالة دولية | Outbound SWIFT international wire |
| POS-MADA- | Mada debit card purchase |
| راتب | Salary credit (WPS) |
| قسط تمويل | Financing installment (conventional or Islamic window) |
Saudi freelancers under the Misk freelance license must register with ZATCA and report income; a converted bank statement showing all Mada and SWIFT credits is the primary proof of earnings.
Export from ANB Mobile
Generate a bilingual PDF covering your ZATCA year or audit period. ANB's format is stable and parses reliably.
Upload to Kashfbank
Drop the PDF in. Cross-border Arab remittances are tagged with the originating BIC in the Description column; income and expense rows separate cleanly.
Filter for freelance income
Sum inbound "حوالة" rows. Exclude internal transfers and financing disbursements. The result is your gross freelance income for the period.
Hand off to ZATCA or your accountant
Export the filtered view as CSV. Pair it with invoice records for ZATCA disclosure or Misk freelance license renewal documentation.
Common challenges
ANB has both conventional and Islamic-window accounts. Does Kashfbank handle them differently?
The PDF format is the same. Kashfbank extracts all rows; the difference is in coding. Conventional interest credits ("فائدة دائنة") are excluded from individual Zakat. Islamic-window profit distributions count as zakatable wealth. The CSV preserves the labels so the right classification is applied.
My ANB statement shows beneficiary names in both Arabic and Latin scripts. Does the CSV preserve both?
Yes. Cross-border Arab remittances often appear with transliterated names alongside Arabic descriptions. Kashfbank's parser handles mixed-script fields without truncation. The full Description field is preserved in the CSV for invoice matching and ZATCA disclosure.
Can I trace the originating bank of an inbound SWIFT credit on my ANB statement?
Usually yes. ANB includes the originating BIC and sender country in the description for inbound international wires. Kashfbank preserves these details in the CSV's Description column, so you can match each credit to the specific invoice and client.
Does the CSV work for a Misk freelance license renewal?
Yes. Misk accepts bank statement evidence of freelance income. The CSV filtered to inbound transfers documents your project income trail. Pair it with invoice copies for the renewal submission package.
Tax Preparation
Convert PDF bank statements to clean spreadsheets for Zakat, VAT, corporate tax, and self-assessment filings across GCC and international markets.
Loan Applications
Prepare clean, lender-ready bank statement exports that prove stable income and responsible financial behavior for personal and business loan applications.
Mortgage Applications
Prepare 6–12 months of verified, structured bank statement data for mortgage underwriting — covering down payment seasoning, income stability, and GCC real estate requirements.
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Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English