SNB is the post-merger NCB+Samba bank that serves more expat freelancers than any other Saudi bank. Pull client payments out of your AlAhli PDF in seconds — across SAR and USD legs.
Convert your SNB statementSNB sits in a different freelancer corner than Al Rajhi. Where Al Rajhi is the default for Saudi nationals on Murabaha products, SNB inherited Samba's expat-heavy customer base and runs predominantly conventional accounts — interest-bearing savings, conventional personal finance, and USD/SAR dual-currency current accounts. If you freelance in Jeddah or Riyadh and you bank with the formerly-Samba branch on Tahlia Street, your statement is an SNB statement.
That changes what you extract. ZATCA still wants gross freelance receipts and Misk renewals still require an annual income disclosure, but your statement may show two currency columns, both NCB-era and post-merger formats across the year, and Sarie inbound transfers labelled "تحويل سريع" rather than "حوالة سريعة". A clean Excel export lets you treat each leg correctly instead of squashing it all into one SAR total.
SNB issues a bilingual PDF with AR+EN dual-column descriptions and dates in DD/MM/YYYY. The standard column order is Date, Value Date, Description (bilingual), Debit, Credit, Balance. Foreign client wires arrive labelled "حوالة دولية واردة" with the SWIFT BIC of the sender bank. Sarie domestic transfers from Saudi clients appear as "تحويل سريع" or sometimes the legacy "حوالة سامبا" tag on accounts that migrated from Samba.
USD-denominated current accounts are common at SNB for expat freelancers paid via Wise or direct USD wires. Statements for these accounts can mix USD and SAR legs on the same page, with FX conversion lines between them. Kashfbank keeps the original currency on each row instead of collapsing to one base — so your accountant can still trace what landed in USD versus what was converted at SNB's wire rate.
ZATCA wants gross freelance receipts; Misk wants proof of ongoing earned income for license renewal. Both rely on the same underlying rows: incoming client payments, separated from the conventional interest credits and the FX conversion lines that should not count as income.
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 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 SNB PDF
Open the AlAhli Mobile app, request a 12-month statement (or 3 months for ZATCA spot-check), and download the PDF. Drop it into Kashfbank. Bilingual AR+EN columns are read natively. If your statement spans both pre- and post-2022 layouts, both formats are handled.
Verify currency legs and period
If you hold a USD/SAR dual-currency account, confirm both legs appear in the converted sheet. Each currency stays in its own row with the original amount. The date range should cover your full Misk reporting year or the 3-month window your accountant requested.
Filter to freelance income only
Sort by Category to keep "International Wire" and "Sarie Inbound" rows. Drop conventional interest credits, FX conversion legs between your own SAR and USD legs, ATM withdrawals, POS purchases, and any WPS salary if you also hold a job. What remains is your gross freelance income for ZATCA.
Export to Excel or CSV and hand off
Download the filtered sheet with the standard Date, Description, Debit, Credit, Balance, Category columns. Send the CSV to your accountant or use the totals to fill the ZATCA portal. Keep the original SNB PDF alongside the export for at least six years.
Common challenges
Does Kashfbank read SNB statements that still show the old NCB AlAhli header branding?
Yes. Post-merger statements often span both NCB-era and SNB layouts within the same 12-month period. Both are parsed. The IBAN prefix and Saudi National Bank logo confirm the parent entity; legacy NCB account numbers are preserved in the reference column.
My SNB account is dual-currency (USD and SAR). Which leg do I report on the ZATCA return?
Report the SAR amount that landed in your SAR leg, plus any USD client payments converted to SAR at the date of receipt. SNB prints the wire-rate conversion line in the statement; Kashfbank keeps both the original USD figure and the SAR credit, so your accountant can reconcile against your invoices.
I see "حوالة سامبا" on some old rows. Is that an SNB transaction or something else?
It is an SNB transaction. Accounts that migrated from Samba Financial Group during the 2021 merger sometimes still tag domestic transfers with the legacy Samba label on pre-2022 statements. Treat these as standard Sarie inbound rows for ZATCA purposes — the underlying flow is the same.
How is the SNB freelance workflow different from Al Rajhi?
SNB statements typically have no Murabaha installment rows, so you do not need to filter out "قسط مرابحة" lines. Instead you filter out conventional interest credits and FX legs. SNB also runs USD accounts that Al Rajhi rarely offers, which means dual-currency reconciliation is more common on SNB exports.
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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