Get your IBAN certificate from your bank

The IBAN certificate (also called a bank certificate or IBAN letter) is an official letter from your bank that shows the account Zid pays your Zid Payments payouts into. Zid reviews it before Zid Payments pays out. Download it from your bank's app or online banking, or ask your branch or your account manager for it. This page shows what the certificate must show and the steps in the apps of the banks merchants use most.

What Zid Payments needs from the certificate

Check	What the review expects
Proof	The bank's official stamp, or a barcode or QR code that verifies the certificate
Language	Download it in English, so the beneficiary name appears in English
Account type	A commercial (business) account. Individuals use a commercial account linked to their freelance certificate
Beneficiary name	Matches the trade name on your commercial registration, the name on your freelance certificate, or the association's name on its license. Individuals' certificates show the activity name too
IBAN	The same IBAN you enter in Zid
File	A JPG, PNG or PDF file

If your bank's app shows the beneficiary name only in Arabic, ask the bank to add the English name to your account first, then download the certificate.

Each bank names the certificate differently, and menu names change between app versions. If a step below doesn't match your app, search the app for "IBAN" or ask your bank. The screenshots show each app in Arabic, so each step gives the Arabic label in parentheses. Choose English as the document language wherever the app asks.

Al Rajhi Bank

The Al Rajhi Online sign-in page with the username and password fields — Personal details are covered.

Tap "More" (المزيد), then "My e-documents" (مستنداتي الإلكترونية).

The More tab of the Al Rajhi Bank app, with My e-documents highlighted — Personal details are covered.

On "My documents" (مستنداتي), tap "Request new document" (طلب مستند جديد).

The My documents screen of the Al Rajhi Bank app, with the Request new document button at the bottom — Personal details are covered.

Choose the document type: "Bank certificate" (شهادة مصرفية) for a business account, or the IBAN letter (خطاب الآيبان) for a personal account.

Step 2 of 4 of a new document request in the Al Rajhi Bank app, offering an account statement or a bank certificate — Personal details are covered.

Choose English as the document language, check that the beneficiary name is in English, then tap "Next" (التالي).

The document details step in the Al Rajhi Bank app, with the date and English selected as the document language — Personal details are covered.

The IBAN certificate opens. Download it and check the beneficiary name again before you upload it.

Alinma Bank

On the home screen, tap "Accounts" (الحسابات).

The Alinma Bank app home screen, with the Accounts tile highlighted — Personal details are covered.

Choose "Digital bank certificates" (الشهادات المصرفية الرقمية).

The Accounts menu of the Alinma Bank app, with Digital bank certificates highlighted — Personal details are covered.

Choose "Partner details certificate" (شهادة بيانات الشريك).

The list of digital bank certificates in the Alinma Bank app, with Partner details certificate highlighted — Personal details are covered.

Choose your bank account and tap "Confirm" (تأكيد). The screen shows the email the certificate goes to, the party it is addressed to (Zid) and the fee.

The Partner details certificate screen in the Alinma Bank app, with the account, the email it is sent to, Zid as the addressee, the fee and the Confirm button — Personal details are covered.

The certificate arrives by email. Check that the beneficiary name is in English.

Saudi National Bank (SNB)

Saudi National Bank was formed from the National Commercial Bank (NCB), so older guides may use that name.

The SNB app sign-in screen — Personal details are covered.

Tap "Accounts" (الحسابات).

The SNB app menu, with Accounts highlighted under Products — Personal details are covered.

Choose the bank account.

The list of current accounts in the SNB app — Personal details are covered.

In the account details, open the file download options (تحميل الملف) and tap "IBAN letter" (خطاب أيبان).

The account details in the SNB app with the file download sheet open and IBAN letter highlighted — Personal details are covered.

The certificate opens. Check that the beneficiary name is in English.

Arab National Bank (ANB)

The ANB app sign-in screen — Personal details are covered.

Open the menu and tap "Letter / digital certificate" (خطاب / شهادة رقمية).

The ANB app menu, with Letter / digital certificate highlighted — Personal details are covered.

Tap "Account identification certificate (IBAN)" (شهادة تعريف بالحساب (ايبان)).

The list of electronic letters and certificates in the ANB app, with the account identification certificate (IBAN) highlighted — Personal details are covered.

Choose the bank account, choose English as the document language, then tap "Execute" (نفذ).

The account identification certificate form in the ANB app, with the language list open and English highlighted — Personal details are covered.

Enter the verification code that the bank sends to your mobile by text message.

The ANB app asking for the verification code sent to your mobile, with a countdown timer — Personal details are covered.

The app confirms that your request was submitted and shows the certificate type, the account, the request date and a reference number. Open the certificate and check that the beneficiary name is in English.

The ANB request summary confirming the request was submitted, with the certificate type, account number, request date and reference number — Personal details are covered.

Riyad Bank

Sign in to the Riyad Bank app.
Tap "Accounts and cards" (الحسابات والبطاقات), then "Accounts" (الحسابات).
Choose your current account (الحساب الجاري), then tap "Print IBAN certificate" (طباعة شهادة الآيبان).
The certificate opens with the bank's stamp. Check that the beneficiary name is in English.

Bank AlJazira

Sign in to the Bank AlJazira app.
Tap the menu icon (القائمة), then "Electronic documents" (الوثائق الإلكترونية).
Choose "Request an electronic document" (طلب وثيقة إلكترونية).
Choose "Bank certificate without balance" (شهادة بنكية بدون رصيد).
Choose English as the document language, then tap "Continue" (متابعة).
The certificate opens. Check that the beneficiary name is in English.

Bank Albilad

Sign in to the Albilad Net app (البلاد نت).
Open your accounts (الحسابات الشخصية) and tap your current account (الحساب الجاري).
Tap the account number, then choose "Request a digital document" (طلب وثيقة رقمية).
Tap "Print IBAN certificate" (طباعة شهادة الآيبان).
Check that the beneficiary name is in English.

Saudi Investment Bank (SAIB)

Sign in to the Saudi Investment Bank app.
Tap "Services" (الخدمات).
Tap "Request letter/certificate" (طلب خطاب/شهادة).
For the letter type, choose "Customer identification certificate without balance" (شهادة تعريف بالعميل بدون رصيد).
Check that the beneficiary name is in English.

Upload the certificate

Upload it to Bank Certificate on the Business details tab of your store information, in Settings > Store > Store information.
Sample data from a demo store.
When you add a new payout account during activation, upload it with the account. See Activate Zid Payments.
To change your payout account later, upload the new account's certificate in Zid Payments settings.

Last updated 2 November 2026

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