Alinma is fully Sharia-compliant. That means Murabaha and Tawarruq entries sit alongside real income in your statement. The CSV lets you separate them in seconds.
Convert your Alinma statementAlinma Bank was founded in 2006 and is fully Sharia-compliant — no conventional window, no interest-bearing products. Its mobile-first platform makes it the bank of choice for younger Saudi professionals, tech freelancers, and digital service providers. The Alinma Mobile app is well-rated for in-app statement export, which is where most freelance filings start.
The statement layout is bilingual with Arabic-primary descriptions: Date, Description, Reference, Debit, Credit, Balance. Islamic product terms dominate — Murabaha (مرابحة), Tawarruq (تورق), and Mudaraba (مضاربة) appear regularly. None of these are income in the freelance sense, but they look like it on a quick scan. The CSV labels them so you don't make that mistake at filing time.
Murabaha installments ("قسط مرابحة") are financing payments — money out, not income. Tawarruq is the trickier one: it appears as a large credit followed immediately by a matching debit on the same day. The credit is the cash drawdown; the debit is the underlying commodity-purchase leg of the transaction. Net effect: liquidity in your account. Neither leg is income.
Foreign client SWIFT credits ("حوالة واردة من الخارج") and Sarie domestic transfers ("حوالة سريعة") are real income. Filter the credit column for these labels — exclude "تورق", "قسط مرابحة", and "أرباح الودائع" — and you have your gross freelance revenue.
ZATCA freelance disclosure wants gross income from your professional activity. Strip the financing flows; keep the client payments.
Alinma statements are bilingual PDFs with a clean, modern layout. Columns are: Date (DD/MM/YYYY), Transaction Description (Arabic-primary), Reference, Debit, Credit, Balance. Islamic product labels dominate: Murabaha, Tawarruq, and Mudaraba terms appear frequently. The statement is denominated in SAR throughout.
| Label | Meaning |
|---|---|
| قسط مرابحة | Murabaha financing installment |
| تورق | Tawarruq (commodity Murabaha) cash liquidity transaction |
| POS-MADA- | Mada point-of-sale debit |
| حوالة سريعة | Sarie instant domestic transfer |
| أرباح الودائع | Profit on Islamic savings/investment deposit |
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 Alinma Mobile
Open Alinma Mobile, generate a PDF statement for the reporting period, and save it locally.
Upload to Kashfbank
Drop the PDF in. Alinma's bilingual layout extracts cleanly; Islamic product labels are preserved verbatim.
Filter out financing entries
Use the Category column to exclude "تورق" pairs and "قسط مرابحة" debits from your income totals. They are financing, not earnings.
Sum and file
Sum the remaining credit-side entries to get your gross freelance income. Export the CSV for your accountant or ZATCA filing.
Common challenges
Why does my Alinma statement show a large credit and matching debit on the same day?
That is a Tawarruq transaction — cash liquidity sourced through a commodity-Murabaha contract. The credit is the cash; the debit is the underlying commodity purchase leg. Net economic effect is liquidity. Kashfbank pairs and flags these so they don't inflate your income totals.
Are profit distributions ("أرباح الودائع") taxable income for me as a freelancer?
Profit distributions on Islamic savings deposits are not your freelance professional income. For Zakat treatment, they form part of your zakatable wealth (held in the account). Kashfbank tags them separately so your accountant can apply the correct treatment.
Does Alinma support Mada Apple Pay on its mobile app?
Yes. Alinma supports Mada and Apple Pay. POS-MADA debits appear with the merchant name in Arabic. Kashfbank extracts these as standard expense rows; for business-related purchases, tag them in the Category column after export.
Can Kashfbank handle Arabic-only descriptions on Alinma statements?
Yes. Arabic text is extracted natively. The Description column carries the exact Arabic Alinma issued, and you can filter or sort on it in Excel or Google Sheets without transliteration.
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