The company first must apply for opening a Business Card Account with SAB and SAB will be authorized to issue Business Cards to the employees of the company as per authorized person’s request.

Company Application:

• Application Form
• Terms & conditions
• Initial Disclosure form
• Commercial Registration
• Owner's ID

Employee Application:

• Application Form
• Terms & Conditions
• Initial Disclosure form
• Copy of employee ID/Iqama

Yes, SAB Credit Cards are aligned with Sharia laws.

You can issue as many cards as your business needs without breaching your total credit limit.

You can activate your card simply through SAB SME contact center on 800 124 5666.

Yes, you can make any transaction type through your card either online or through POS.

Mudad auto-upload service authorizes the Bank to upload the WPS return file on behalf of the Customer (establishment) to Mudad platform. 

Mudad auto file upload is not a mandatory service. Customer has the option to opt-in for this service.

UNN- Unified National Number should be updated in Bank records

MOL ID- Ministry of Labour ID should be input correctly while uploading the WPS file for processing

The charges are SAR 100 + VAT per file successfully uploaded to Mudad platform. If the WPS return file upload to Mudad fails, then charges will not be applicable. 

The customer representative who are responsible for sending the instructions for WPS service should check the status in the Bank Channel & similarly on the Mudad platform on the 5^th working day from the date of successful WPS processing to ensure the WPS return file is uploaded successfully. 

Customer representative needs to login to Mudad platform on the 5^th working day from the date of successful WPS processing and ensure to attend and resolve any compliance queries raised by Mudad on the WPS return file submitted by the Bank via direct integration to Mudad portal. 

For any support from banks if there are any technical rejections in the WPS return file submitted to Mudad platform kindly reach out to your RM as per current process.

Company needs to download the return file from the Bank E-Channel and upload it manually as per current process.  

Yes, WPS return files will be available in SAB iCorp Channel for the customer to download.

Yes, you can unsubscribe the Mudad service, you contact your RM to get the form to unsubscribe Mudad service.

Even if an establishment has registered previously with Mudad, Customer willing to avail the auto upload feature are required to subscribe to this service from bank.

There are no subscription charges for Mudad auto-upload feature, customer will be only charged if the service is utilized at the time of submission of the WPS file for processing.

Payroll is the compensation an establishment (employer) should pay to its employees in line with the contract between them (employee and employer). This is generally paid on a given date of the month. This is also synonymously referred to as WPS or Wages Protection System.

The establishment should have an active account with bank.

The Customer is responsible to upload the WPS file to the bank’s eChannel (SAB iCorp) for processing with the correct payroll details for each employee. Kindly ensure to upload the file 1 business day prior to the required payroll credit date and maintain sufficient balance in the account.

Yes, Customers can submit the same day value WPS file to the bank for processing. However, this feature should be enabled on the profile and the file upload should be done prior to the same day value cut off time or else same day value will not be available at the time of upload. 

Currently it is same as for future value dated transactions. (refer below to Q.10 for charges related information)

The request needs to be submitted and approved on the e-Channel prior to 2:00 Pm KSA Time to be processed on same day.

Request should be approved in the channel before 2:30 Pm KSA time for processing the future dated files.

Customers (establishment) can download the WPS return files from the e-Channel of the bank. The WPS return file is generated and available for download within 5 working days from the date of submission of the WPS files for processing.

Yes, you can unsubscribe the Payroll service by contacting your RM or send a request to bank for cancellation of the service.

(1)      All charges are exclusive of VAT. Charges mentioned in the above table are applicable only when the Customer avails the services.

(2)      Applicable if WPS file is processed

(3)      Applicable if WPS file is unprocessed due to insufficient funds