SNB is the largest bank by assets in MENA — which means most enterprise CFO and outsourced-accounting workflows see SNB PDFs every month. Convert in bulk, map to your chart of accounts in minutes.
Convert your SNB statementsSNB was formed in 2021 from the NCB+Samba merger, with a combined balance sheet of roughly USD 240 billion at formation — the largest bank in MENA. That scale shows in the customer base: most Saudi mid-cap and enterprise companies hold their primary operating account at SNB, and the majority of outsourced accounting practices in Riyadh and Jeddah see SNB PDFs more often than any other bank.
SNB's API and host-to-host (H2H) banking integrations are more developed than most Saudi peers. For larger clients, accountants pull transaction data directly via H2H connection and skip the PDF. For everyone else — SMEs, family offices, individual tax clients — the monthly PDF is still the artifact, and converting it to clean Excel is the first hour of every close.
Every SNB PDF in your inbox follows the same bilingual layout: Date (DD/MM/YYYY Gregorian), Value Date, Description (AR+EN dual-column), Debit, Credit, Balance. Across a 12-month bundle for one client, every page is consistent — which makes SNB one of the cleanest banks to bulk-process. Drop in 12 monthly PDFs and Kashfbank converts each independently, labels the output by source filename, and you reconcile each month to its trial balance.
For corporate SNB statements, VAT-bearing supplier payments appear as POS Purchase or beneficiary transfer entries with the gross amount. The 15% VAT split is in the tax invoice from the supplier, not the bank statement, so the bank export is your control total and the invoice register is the split. ZATCA VAT remittance debits to the authority appear as a separate tagged row.
Accounting platforms expect specific columns. The SNB export is shaped to drop directly into Zoho Books (most common in KSA), QuickBooks Online, or Xero — no reformatting before import.
SNB statements are dual-language PDF documents. The column layout is: Date (DD/MM/YYYY), Value Date, Transaction Description (bilingual), Debit, Credit, Balance. Running balance appears on the right margin. Post-merger statements from legacy NCB accounts may show legacy NCB header branding alongside the SNB logo.
| Label | Meaning |
|---|---|
| حوالة سريعة | Sarie instant domestic transfer |
| POS-MADA- | Point-of-sale Mada debit transaction |
| راتب | WPS salary credit |
| سداد قرض | Conventional loan repayment |
| حوالة دولية | Outbound international SWIFT wire |
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.
Collect the client's SNB PDFs
Get all 12 months (or the relevant period) of SNB PDFs from your client via AlAhli Mobile export. SNB's H2H integration is the alternative for larger clients on enterprise plans, but the PDF route works for any client size.
Bulk upload to Kashfbank
Drop all PDFs into Kashfbank in one session. Each file is processed independently and labelled with its source filename, so you know which month every transaction came from when reconciling against the trial balance.
Map descriptions to your chart of accounts
Sort by Description. Common SNB labels — Salary, POS Purchase, ATM Withdrawal, Sarie Inbound — group cleanly. Apply your client's chart-of-accounts mapping (Zoho Books rules, QuickBooks classes, or your own template). The bilingual AR+EN column lets you match on either language.
Import to Zoho Books, QuickBooks, or Xero
Export the CSV. Zoho Books KSA edition expects Date in DD/MM/YYYY — already the SNB export default. QuickBooks Online uses the Banking → Upload feed; the standard column order is preserved. Xero accepts the same CSV via Bank Feeds → Statement Import.
Common challenges
Does Kashfbank handle SNB statements that span both NCB-era and post-merger formats?
Yes. Multi-month bundles often contain pre-2022 NCB-branded pages alongside post-merger SNB pages. The column layout is identical across both. Each is converted with the same row schema, and the merged Excel reads as one continuous client record.
Can I use the SNB export directly in Zoho Books KSA edition?
Yes. The standard CSV columns (Date, Description, Debit, Credit, Balance) map to the Zoho Books KSA import template. The VAT category tag flags ZATCA remittance rows so they import as VAT payment entries rather than expense entries.
How do I handle SNB H2H integration alongside the PDF workflow?
For clients on H2H, you usually skip Kashfbank — the data comes directly via the integration. For everyone else, the PDF → Excel conversion is the bridge. Many practices use both: H2H for the largest 2-3 clients and Kashfbank PDF conversion for the long tail of SMEs.
Some SNB transactions show the legacy Samba label "حوالة سامبا". How should I treat them?
Treat them as standard Sarie inbound or Samba-legacy domestic transfers. Map to the same chart-of-accounts entry as any other Sarie credit. The label is a vestige of pre-merger accounts that have not been re-tagged in the bank's core system, not a different transaction type.
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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