Misk and Ministry of Human Resources freelance permits require annual ZATCA disclosure. Pull inbound client payments out of your Al Rajhi PDF in seconds.
Convert your Al Rajhi statementIf you hold a Misk freelance license or a Ministry of Human Resources freelance permit, ZATCA expects an annual income disclosure tied to actual bank deposits. Invoices alone are not enough. Al Rajhi is the default bank for many Saudi freelancers because of its Sharia-compliant products and wide branch network, which means most of these income disclosures start with a single Al Rajhi PDF.
The challenge is that your Al Rajhi current account mixes personal spending, family transfers, Mada POS purchases, and Murabaha installment movements alongside the client payments you actually need to report. A converted spreadsheet lets you filter to gross freelance income in minutes instead of reading line by line.
Al Rajhi issues a bilingual single-PDF statement. Columns run Date (DD/MM/YYYY), Arabic description, transaction reference, debit, credit, running balance in SAR. Foreign client payments from Upwork, Fiverr, or direct SWIFT wires land with the Arabic label "حوالة واردة من الخارج" followed by the sender's SWIFT BIC. Local Sarie transfers from Saudi clients appear as "حوالة سريعة".
Older statements (pre-2020) sometimes carry garbled Arabic in the merchant column. Kashfbank preserves the original Arabic label rather than re-translating, so the SWIFT BIC and sender name stay intact for ZATCA review.
ZATCA wants a clean picture of gross freelance receipts. Pull out incoming client payments, separate them from Murabaha drawdowns, and keep the original Arabic so you can defend each row if asked.
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 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.
Upload your Al Rajhi PDF
Open the Al Rajhi Mobile app, request a 12-month statement, and download the PDF. Drop it into Kashfbank. Bilingual Arabic/English statements are read natively — no OCR workaround.
Verify currency and period
Confirm SAR as the base currency and the date range covers your full Misk reporting year. If your inbound wires were USD-denominated, Kashfbank tags both the original and SAR-converted amount on each row.
Filter to freelance income only
Sort the Category column to keep "Inbound Transfer" and "International Wire" rows. Drop everything tagged Murabaha, Mada POS, family transfer, or internal account move. What remains is your gross freelance income.
Export to Excel or CSV
Download the filtered sheet. Columns match the standard Date, Description, Debit, Credit, Balance, Category layout that ZATCA-aligned accountants and Zoho Books accept directly.
Hand off to your accountant or the ZATCA portal
Share the CSV with your accountant for the annual return, or use the totals to fill the ZATCA portal yourself. Keep the original Al Rajhi PDF alongside the export for the audit trail.
Common challenges
Does Kashfbank read Arabic-only Al Rajhi statements?
Yes. Al Rajhi PDFs are bilingual single-column, and the Arabic description is preserved in the export. The "حوالة واردة من الخارج" label and SWIFT BIC are kept on the same row so you can match each deposit to a client invoice.
How do I tell a real client payment from a Murabaha drawdown on my Al Rajhi statement?
Murabaha entries carry the Arabic label "قسط مرابحة" or are tagged to your financing reference. Client payments arrive as "حوالة سريعة" (Saudi clients via Sarie) or "حوالة واردة من الخارج" (international wire). Kashfbank categorises these separately so you can exclude Murabaha lines from freelance gross.
I get paid in USD on Upwork but my Al Rajhi account is in SAR. Which amount goes on the ZATCA return?
Use the SAR amount that landed in your account. Al Rajhi converts at its wire rate on the day of receipt. Kashfbank keeps both the original USD figure (from the SWIFT description) and the SAR credit, so your accountant can reconcile against your Upwork invoices.
Do I need to keep the original Al Rajhi PDF after converting?
Yes. ZATCA may request the source document during review. Keep the original Al Rajhi PDF for at least six years alongside your converted CSV and your invoice records.
Detailed guide
Step-by-step guide to converting Al Rajhi Bank statements
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