Zakat applies to Saudi nationals at 2.5%, not to expats. SNB's expat-heavy base means most tax workflows here are FX reconciliation and 15% VAT — not Zakat alone.
Convert your SNB statementSNB serves the most diverse tax base of any Saudi bank — Saudi nationals subject to 2.5% Zakat on assets, expats with no Zakat obligation but with foreign-currency complexity, and corporate clients filing 15% VAT every month or quarter. The right SNB extraction depends on which one you are. Kashfbank does not assume; it gives you the raw rows so your accountant decides.
For Saudi nationals filing Zakat, you need the closing balance at the Zakat year-end and the year's qualifying flows. For expat freelancers and salaried residents, there is no Zakat — but if you maintain a USD or dual-currency SNB account, you still want a clean FX-aware export for personal records and for any home-country tax filing. For corporates, every VAT-bearing transaction needs to be traceable line by line.
SNB issues bilingual PDFs with date in DD/MM/YYYY (Gregorian — not Hijri by default on the customer-facing PDF). The transaction description column shows AR and EN side by side. VAT-inclusive merchant transactions on corporate cards land as POS Purchase entries; the 15% VAT component is implicit in the gross amount and the tax invoice from the merchant is the document that splits it. Sarie inbound, Salary, ATM Withdrawal, and POS Purchase are the four labels that dominate retail statements.
For dual-currency accounts, SNB prints separate USD and SAR sections within the same PDF, with the FX conversion line clearly tagged. Statements that span the 2021 merger may carry the NCB-era format for early months and SNB layout for later months — column order is identical, only header branding changes.
Different filings need different cuts of the same statement. The Excel export lets you filter once and reuse for each tax framework, instead of re-reading the PDF for every authority.
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 Zakat at 2.5% applies to net Zakatable assets (capital, retained earnings, receivables minus payables); statements prove the ending balance and cash movements that enter the Zakat base calculation.
Pull the right period from SNB
For Zakat: pull statements covering your declared Zakat year (Hijri or Gregorian — confirm with your accountant). For VAT: pull the monthly or quarterly period that matches your ZATCA filing cycle. Download the PDF from the AlAhli Mobile app.
Upload to Kashfbank
Drop the SNB PDF. Bilingual AR+EN parsing keeps every Arabic label intact, which matters when ZATCA reviewers ask for the original transaction description. Multi-month statements are merged into a single chronological sheet.
Tag the relevant rows
Sort by Category. For Zakat: sum the closing balance and qualifying credits. For VAT: filter to supplier-paid POS Purchase rows and to ZATCA VAT remittance debits. For dual-currency: keep USD and SAR legs separate so FX conversions are not double-counted.
Export and reconcile
Export the filtered CSV. Reconcile against your tax invoices (for VAT) or your asset register (for Zakat). The Date, Description, Debit, Credit, Balance, Category columns drop into Zoho Books, QuickBooks, or your accountant's spreadsheet without reformatting.
Common challenges
I am an expat with an SNB account. Do I owe Zakat?
No. Zakat at 2.5% in Saudi Arabia applies to Saudi-national-owned entities and individuals. As an expat, you have no Zakat obligation on your SNB account. You may still need the export for VAT (if you hold a Saudi business) or for home-country tax filing.
How do I reconcile a dual-currency SNB account for VAT?
VAT at 15% applies to SAR-denominated taxable supplies. Filter to SAR-leg transactions only. USD-leg POS purchases abroad are zero-rated for Saudi VAT but may carry import VAT depending on the goods. Kashfbank keeps each currency in its own rows so the SAR-only filter is one click.
Does the export show ZATCA VAT remittance payments separately?
Yes. ZATCA VAT debits are tagged under the Tax category in the export. Sum these to prove tax already paid for the period — the figure that goes in the input-VAT-paid box of your filing.
My SNB statement is in Hijri dates. Can I get it in Gregorian?
SNB customer-facing PDFs are Gregorian by default in DD/MM/YYYY. If your bank-printed statement is Hijri, Kashfbank converts dates to ISO 8601 Gregorian in the output. The original Hijri date can be kept in a separate column on request.
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Mortgage Applications
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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