Stop re-keying Arabic transaction descriptions. Convert dozens of Al Rajhi PDFs to clean CSV, ready for Zoho Books and QuickBooks.
Convert your Al Rajhi statementSaudi accountants and bookkeepers handle Al Rajhi statements every month for SME clients, freelancers under Misk, and individuals reconciling Zakat-relevant wealth. The PDFs are bilingual with Arabic-primary descriptions, which makes manual re-keying both slow and error-prone — especially for Murabaha entries that need correct ledger classification.
A converted CSV gives you the standard Date, Description, Debit, Credit, Balance, Category layout that Zoho Books (dominant in KSA) and QuickBooks Online accept on direct import. The Arabic description is preserved so you can map merchants to your chart of accounts without losing the source text.
Murabaha installments ("قسط مرابحة") are not expenses. They are principal-plus-profit payments against an Islamic financing liability. Map the debit to the financing liability account, and treat the profit portion as a finance cost — never as an operating expense. Mada POS entries ("POS-MADA-" prefix) are operating expenses if they relate to client business; the merchant name following the prefix gives you the chart-of-accounts hint.
Sarie instant transfers ("حوالة سريعة") and SWIFT inbound wires ("حوالة واردة من الخارج") need to be checked against the counterparty. Sarie transfers between client-controlled accounts are internal moves, not income. SWIFT wires usually represent export revenue and should be flagged for VAT zero-rating where applicable.
Standardised columns, preserved Arabic, and a Category field that maps cleanly into your accounting tool. Anything missing slows the close.
Al Rajhi statements are bilingual (Arabic/English) single-PDF documents. Columns follow the order: Date (DD/MM/YYYY), Description in Arabic, Transaction reference, Debit, Credit, Running Balance in SAR. Transaction labels are primarily in Arabic and may include Sharia product nomenclature such as Murabaha installments.
| Label | Meaning |
|---|---|
| قسط مرابحة | Murabaha installment debit |
| POS-MADA- | Point-of-sale purchase via Mada debit network |
| حوالة سريعة | Sarie instant domestic transfer (IPS) |
| حوالة واردة من الخارج | Inbound international wire transfer (SWIFT) |
| راتب | Salary credit via WPS/GOSI |
Saudi accountants using Zoho Books (dominant in KSA) or QuickBooks can import Kashf CSV exports directly; the SAR/Hijri date mapping requires the Date column to be in DD/MM/YYYY Gregorian for compatibility.
Upload client PDFs in batch
Drop multiple Al Rajhi PDFs into Kashfbank in one session. Each file is converted independently and labelled with the source filename, so client A and client B never get mixed up in the export folder.
Verify currency and bilingual extraction
Each statement should show SAR as the base currency and the Arabic description column intact. If you see garbled Arabic (common on pre-2020 statements), flag those for manual review — the OCR confidence is shown per row.
Categorise Murabaha separately
Filter the Category column to Murabaha and verify these rows map to the financing liability in your client's chart of accounts. Misclassifying them as expenses inflates the P&L and breaks Zakat base calculation.
Export to CSV and import to Zoho or QuickBooks
Download CSV. Zoho Books (KSA edition) imports directly via Banking → Manual Upload. QuickBooks Online uses Banking → Upload from File. The standard column layout is recognised without custom mapping.
Reconcile against the trial balance
Sum debits and credits in the CSV. The closing balance should match the running balance on the final row. If not, re-check for a missing page in the source PDF — Al Rajhi splits some long statements across multiple files.
Common challenges
Can I process Al Rajhi statements for several clients in one Kashfbank session?
Yes. Upload up to your plan's page limit across multiple PDFs. Each file is converted independently and the source filename is preserved in the export, so client files stay separated for audit.
How does Kashfbank handle Al Rajhi's Murabaha entries for posting?
Murabaha installments ("قسط مرابحة") are tagged to a Murabaha category in the Category column. You map this once in your chart of accounts to the financing liability — the principal portion reduces the liability, the profit portion posts to finance cost. Kashfbank does not split principal from profit; that calculation needs the financing schedule from Al Rajhi.
Will the Arabic merchant names survive the CSV export?
Yes. The original Arabic description is preserved verbatim in the Description column. Zoho Books and QuickBooks Online both accept UTF-8 Arabic text in transaction memos.
An Al Rajhi statement is missing the running balance on one page. What do I do?
Re-download that month from Al Rajhi Mobile. Some long statements split across multiple PDFs and the running balance gap usually indicates a missing file rather than a parser error. Kashfbank flags balance discontinuities in the export so you catch them before posting.
Detailed guide
Step-by-step guide to converting Al Rajhi Bank statements
Freelancers
Extract, categorize, and export freelance income and expenses from PDF bank statements — ready for 1099, self-assessment, or ZATCA filings.
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.
Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English