Bank AlJazira is fully Sharia-compliant, headquartered in Jeddah. Freelance project credits, SWIFT inflows, and Murabaha installments all sit in the same compact statement.
Convert your AlJazira statementBank AlJazira, founded in 1975 and headquartered in Jeddah, converted fully to Sharia-compliant operations in 2007. It serves the Jeddah and Makkah commercial corridors and appeals to freelancers and SMEs seeking a smaller, more personalized banking experience than the large national banks.
Your AlJazira statement bundles domestic Sarie transfers from local clients, international SWIFT credits from foreign clients, Murabaha installment debits, and any investment profit distributions from AlJazira Capital. The bank's compact statement is efficient — but "أرباح استثمارية" entries from the capital subsidiary need separation from project income for accurate ZATCA disclosure.
The AlJazira statement runs: Date (DD/MM/YYYY), Arabic-primary Description, Reference, Debit, Credit, Running Balance. Income-side rows: "حوالة سريعة واردة" for inbound Sarie from local Saudi clients, "حوالة دولية واردة" for inbound SWIFT from foreign clients, "راتب" for any salaried income, and "أرباح استثمارية" for investment profit distributions from AlJazira Capital.
Investment profit distributions are non-earned income. For ZATCA freelance disclosure, exclude them from gross income — they are zakatable wealth (counted in the Zakat base), not service revenue. Kashfbank tags these rows separately so the freelance income total is clean.
Filter the CSV by description keyword and the freelance picture comes into focus.
Bank AlJazira statements are bilingual PDFs in SAR. Columns are: Date (DD/MM/YYYY), Transaction Description (Arabic-primary), Reference, Debit, Credit, Running Balance. Islamic product names — Murabaha, Ijarah, Musawama — appear in Arabic in the description column. The header includes account IBAN, holder name, and statement period.
| Label | Meaning |
|---|---|
| قسط مرابحة | Murabaha financing installment |
| POS-MADA- | Mada debit purchase at point of sale |
| حوالة سريعة | Sarie instant domestic transfer |
| راتب | WPS salary credit |
| أرباح استثمارية | Investment profit distribution from AlJazira Capital |
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 Bank AlJazira App
Generate a bilingual PDF covering your ZATCA year or audit period. AlJazira statements reflect Sharia-compliant product activity throughout.
Upload to Kashfbank
Drop the PDF in. Investment profit distributions are tagged separately so they don't inflate the freelance income total.
Filter for freelance income
Sum inbound "حوالة" rows. Exclude "أرباح استثمارية", Murabaha installments, and internal transfers. 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
Bank AlJazira is Sharia-compliant. Does that change how my freelance income is reported?
No. Sharia compliance affects the bank's products, not your income classification. Inbound Sarie and SWIFT credits are freelance income regardless. Investment profit distributions from AlJazira Capital are separate — they are zakatable wealth, not service income.
Why does Kashfbank tag "أرباح استثمارية" separately from regular income?
Investment profit distributions come from AlJazira Capital investment accounts, not from freelance work. They are non-earned income for ZATCA purposes — included in zakatable wealth for the Zakat base but excluded from freelance gross-income totals. Kashfbank separates them so the classification is explicit.
Can I open both a freelance current account and an AlJazira Capital investment account?
Yes. Many Bank AlJazira freelance customers hold both. The statement shows both flows. Kashfbank's CSV separates project income (Sarie, SWIFT credits) from investment distributions ("أرباح استثمارية") for ZATCA reporting.
Does Kashfbank work with multi-month AlJazira statements for license renewal?
Yes. Misk and similar freelance licenses often request a 6 or 12-month income history. Upload all statements in one Kashfbank session and merge the CSVs in Excel for a unified income view across the period.
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.
Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English