Compare the Best Savings in The Kingdom of Saudi Arabia for January 2026 | Giraffy

Compare Savings for Saudi Arabia January 2026

Find the Best Savings Plans – Compare deposit options and easily review profit rates, term lengths, and withdrawal rules. Explore Shariah-compliant savings accounts with flexible terms and no linked account requirements. Choose the ideal plan to grow your savings with secure, transparent options tailored to your financial goals.

Deals are reviewed and rated by Giraffy's team based on value, features, and customer feedback.

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BSF - Savings Account

Unlimited Withdrawals

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Savings Account
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Updated on 1 January 2026

19 results available

Bank Accounts Savings Investing Digital Banking
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alrajhi bank logo
alrajhi bank
Awaeed Account

Expected Annual Return

Variable

Profit: on Maturity

Minimum Deposit (SAR)

50,000

Term Length

3, 6, 9, or 12 months

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Automatic

Withdrawal Rules

Early Surrender

Withdrawal Penalty

Yes (reduced or forfeited profit)

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Emirates NBD KSA logo
Emirates NBD KSA
Mudarabah Savings Account​

Expected Annual Return

up to 250K SAR:

3.50%

Profit: Monthly

250K - 10M SAR:

4.00%

Profit: Monthly

Over 10M SAR:

3.50%

Profit: Monthly

Minimum Deposit (SAR)

0

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Bank AlBilad logo
Bank AlBilad
Savings Account

Expected Annual Return

Variable

Profit: Monthly

Minimum Deposit (SAR)

1,000

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
SAB logo
SAB
Islamic Mudarabah Savings Account

Expected Annual Return

Indicative

0.10%

Profit: Monthly

Minimum Deposit (SAR)

5,000

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Murabaha

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
SAB logo
SAB
Wafer Account

Expected Annual Return

12 months:

2.67%

Profit: Monthly

24 months:

2.89%

Profit: Monthly

36 months:

2.95%

Profit: Monthly

Minimum Deposit (SAR)

100

Monthly Payment

Term Length

12, 24, or 36 months

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Early Withdrawals Permitted

Withdrawal Penalty:

Yes (50% of accumulated profit)

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
alrajhi bank logo
alrajhi bank
Hassad Account

Expected Annual Return

Variable

Profit: Monthly

Minimum Deposit (SAR)

5,000

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliant:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
alrajhi bank logo
alrajhi bank
Future Account

Expected Annual Return

Variable

Profit: Monthly

Minimum Deposit (SAR)

1,000

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
alrajhi bank logo
alrajhi bank
Million Account

Expected Annual Return

Indicative

0.05%

Profit: Monthly

Minimum Deposit (SAR)

1,000

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Riyad Bank logo
Riyad Bank
Islamic Savings Account

Expected Annual Return

0.30%

Profit: Monthly

Minimum Deposit (SAR)

20,000

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Bank Aljazira logo
Bank Aljazira
Savings Account

Expected Annual Return

Indicative

2.00%

Profit: Monthly

Minimum Deposit (SAR)

0

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
alinma logo
alinma
Savings Account

Expected Annual Return

Less than 1M SAR:

2.00%

Profit: Monthly

1M - 3M SAR:

2.22%

Profit: Monthly

Above 3M SAR:

2.70%

Profit: Monthly

Minimum Deposit (SAR)

1

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
BSF logo
BSF
Savings Account

Expected Annual Return

0.10%

Profit: Six Monthly

Minimum Deposit (SAR)

0

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Yes

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Saudi National Bank logo
Saudi National Bank
Retirement Program

Expected Annual Return

6.11%

Profit: Maturity

Minimum Deposit (SAR)

500

And Regular Payment Requirement

Term Length

5 years

Islamic Account Features

Shariah Compliance:

Takaful-based (Wakalah + Mudarabah)

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Early Surrender

Withdrawal Penalty:

Yes (reduced capital and profit)

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Saudi National Bank logo
Saudi National Bank
Education Program

Expected Annual Return

6.59%

Profit: Maturity

Minimum Deposit (SAR)

500

And Regular Payment Requirement

Term Length

5 years

Islamic Account Features

Shariah Compliance:

Takaful-based (Wakalah + Mudarabah)

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Early Surrender

Withdrawal Penalty:

Yes (reduced capital and profit)

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Saudi National Bank logo
Saudi National Bank
Marriage Program

Expected Annual Return

6.36%

Profit: Maturity

Minimum Deposit (SAR)

500

And Regular Payment Requirement

Term Length

5 years

Islamic Account Features

Shariah Compliance:

Takaful-based (Wakalah + Mudarabah)

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Early Surrender

Withdrawal Penalty:

Yes (reduced capital and profit)

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
Saudi National Bank logo
Saudi National Bank
Ladies Program

Expected Annual Return

4.22%

Profit: Maturity

Minimum Deposit (SAR)

500

And Regular Payment Requirement

Term Length

5 years

Islamic Account Features

Shariah Compliance:

Takaful-based (Wakalah + Mudarabah)

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Early Surrender

Withdrawal Penalty:

Yes (reduced capital and profit)

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
D360 Bank logo
D360 Bank
Sanabil Daily Distribution Account

Expected Annual Return

2,500-4,999 SAR

0.50%

Profit: Daily

5,000-19,999 SAR

1.00%

Profit: Daily

20,000-49,999 SAR

1.50%

Profit: Daily

50,000 SAR +

2.00%

Profit: Daily

Minimum Deposit (SAR)

2,500

Term Length

No Fixed Term

Islamic Account Features

Yes

Shariah Compliant:

Customer Responsibility

Zakat Payment:

Withdrawal Rules

Unlimited Withdrawals

No

Withdrawal Penalty:

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
SAIB logo
SAIB
Savings Account

Expected Annual Return

3.50%

Profit: Monthly

Minimum Deposit (SAR)

1,000

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Mudarabah

Zakat Payment:

Zakat Exempt

Withdrawal Rules

Unlimited Withdrawals

Withdrawal Penalty:

No

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer
ANB logo
ANB
Al Ghad Al Mubark

Expected Annual Return

50,001 - 100,000 SAR

2.00%

Profit: Monthly

100,001 - 500,000 SAR

2.25%

Profit: Monthly

500,000-5,000,000 SAR

2.50%

Profit: Monthly

Minimum Deposit (SAR)

0

Term Length

No Fixed Term

Islamic Account Features

Shariah Compliance:

Wakala

Zakat Payment:

Customer Responsibility

Withdrawal Rules

Limited Withdrawals

Twice Every Month

Extras
Basic Savings (Low Yield)
Flexible Profit-Sharing Savings
Structured or Goal-Based Savings
Prize-Linked or Incentive Accounts
Takaful & Protection Plans
High-Growth Investment Savings
View Offer