Mixed personal and project income in one Riyad Bank account makes ZATCA filing harder than it needs to be. Export to CSV and filter the rows that count.
Convert your Riyad Bank statementRiyad Bank, founded in 1957 and one of the Kingdom's oldest conventional banks, issues a clean bilingual PDF. Each row carries an Arabic and English description, a reference number, debit, credit, and a right-aligned running balance. Most freelancer income lands as a Sarie transfer ("حوالة سريعة") from a domestic client or as a SWIFT credit ("حوالة واردة") from a foreign one.
The summary page at the front of a Riyad Bank statement lists opening balance, closing balance, and average monthly balance — useful for ZATCA disclosures, but it can also confuse converters. Kashfbank skips the summary and starts at the first transaction row.
A typical Riyad Bank account mixes Mada POS spending, family transfers, salary inflows from a part-time role, and client payments. After CSV export, filter the Credit column and exclude internal-transfer lines. What remains is your gross freelance income for the period.
Foreign client SWIFT credits land in SAR after Riyad Bank applies the conversion. Keep the original currency in mind: ZATCA expects gross revenue in SAR, but your invoices may be USD or EUR. The export retains the bank's converted SAR figure.
Three to six months is the standard reporting window for Misk freelance licence holders. The export gives you every credit line, dated, labelled, and ready to filter.
Riyad Bank statements are professionally formatted bilingual PDFs. The layout is: Transaction Date (DD/MM/YYYY), Description in both Arabic and English, Cheque/Reference number, Debit, Credit, and a right-aligned Running Balance column. Statements may include a summary page with opening and closing balances, and average monthly balance calculations.
| Label | Meaning |
|---|---|
| POS-MADA- | Mada debit card purchase at point of sale |
| حوالة سريعة | Sarie real-time domestic transfer |
| راتب | Salary deposit via WPS |
| قسط تمويل | Financing installment debit (conventional or Islamic window) |
| RTGS | High-value real-time gross settlement transfer |
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.
Download a full quarter from Riyad Mobile
Sign in to Riyad Mobile and export your statement as PDF for the period that matches your ZATCA filing. Three to six months is the standard window.
Upload to Kashfbank
Drop the PDF into Kashfbank. The summary page is skipped automatically; extraction starts at the first transaction row.
Filter by category
In the exported CSV, use the Category column to isolate Sarie credits, SWIFT credits, and Mada debits. Sum the credit-side totals to get gross freelance revenue.
Reconcile against invoices and file
Match each credit line to a client invoice. Export the final CSV for your accountant or upload directly into Zoho Books, QuickBooks, or your ZATCA filing tool.
Common challenges
Does Riyad Bank label freelance client transfers differently from salary deposits?
Yes. Salary credits land via WPS with the "راتب" label and an employer code. Domestic client transfers use "حوالة سريعة" via the Sarie rail. Foreign client payments arrive as "حوالة واردة" with the originating BIC. Kashfbank preserves the bank's exact label in the Description column.
My Riyad Bank statement starts with a summary page. Does Kashfbank extract that?
Kashfbank skips the opening summary and starts at the first transaction row. If you need the average-balance figure for a ZATCA disclosure, keep the original PDF alongside the CSV.
Can I export only the credit-side rows from my Riyad Bank statement?
The full statement is extracted to preserve the audit trail. After export, filter the spreadsheet by non-empty Credit values to isolate inbound transfers. Mada refunds appear as credits too, so review by reference description before totalling.
How does Kashfbank handle bilingual Arabic-English descriptions on Riyad Bank statements?
Both languages are preserved row by row in the Description column. Arabic text is extracted natively, not transliterated. You can sort or filter on either language in Excel or Google Sheets.
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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