Country-Specific Expat Guides — Living in Saudi Arabia by Nationality

TL;DR: Get your documents in order (passports, PCC/clearances, degree/medical attestations where needed). Plan SIM + bank on arrival (temporary wallet → full account after Iqama). Compare remittance providers for your specific corridor and day‑of‑month FX. Keep home‑country taxes/benefits straight (e.g., US FATCA/FBAR, India NRE/NRO, Pakistan RDA, Philippines OEC/SSS/Pag‑IBIG, Canada residential ties, EU/UK social security & banking closures). Use our city lists and scripts to join communities fast.

How to use this page (and what not to expect)

• Use this as a practical checklist, not as legal or tax advice. For rules that can change (tax returns, social‑security contributions, consular paperwork), confirm with your official agency or a professional before acting.

• Pair it with Giraffy’s focused guides (Bank Accounts, Remittances, Health Insurance, Safety, Education).

• Skim your country section first; then copy the scripts you’ll use this week. Revisit the tables to benchmark your plan.

Shared essentials for all expats (5 things to get right)

1) Document pack: Passport(s), visa/entry documents, employment contract, medical insurance proof, vaccination record, police clearance (if requested), degree certificates (if role requires), marriage/birth certificates for dependents. Keep a single PDF and hard copies. 2) SIM + number stability: Buy a local SIM/eSIM as soon as you land; keep your home‑country number active on eSIM or retention plan for OTPs from banks/apps. 3) Banking workflow: Use a digital wallet for immediate payments; open a full bank account after you receive your Iqama. Ask HR for the exact salary deposit schedule and any preferred bank requirements. 4) Remittances: Compare 3 providers for your corridor; check both fee + FX spread; save your beneficiary details and KYC scans; run a small test transfer before payday. 5) Housing + location: Choose home inside your kids’ bus map or within 20–30 minutes of work; add a back‑up plan for power outages and dust‑storm days.

India → Saudi Arabia (NRI Playbook)

Fast facts

• Many Indians in KSA keep NRE/NRO accounts in India while being salaried in Saudi. Your Indian tax status becomes NRI if you satisfy non‑resident day‑count tests—track your days in India each FY.

• PAN is needed for Indian financial tasks; keep it updated with your foreign address if you’ve moved.

Before you fly

• Police Clearance Certificate (PCC): Obtain from Passport Seva Kendra (India) or your local jurisdiction if requested by employer/visa.

• Education/medical certificates: For roles that require them, bring originals; check if attestation/apostille will be needed.

• Banking at home: Keep at least one NRE (for foreign income remitted to India) and one NRO (for Indian‑source income/rents).

• Tax posture: Note Indian FY (Apr–Mar). If you may cross residency thresholds, plan for return filing with an advisor.

On arrival (first 30 days)

• SIM + wallet: Activate a local number; set up wallet for bills and small transfers.

• Bank account after Iqama: Open with your Iqama + employer letter; register for online banking; store IBAN for payroll.

• Salary mapping: Salary → local account; monthly remittance to India → NRE for long‑term savings; keep NRO for rent/dividends/loans in India.

Remittances India corridor — how to pick

• Compare a bank wire vs specialist (app) vs wallet partner; weigh speed, FX spread, free first transfer promos, and recipient method (bank UPI‑credited vs cash pickup for relatives).

• Time transfers right after payroll or when INR weakens if you’re optimizing FX (not advice). Keep beneficiary IFSC/UPI IDs verified in advance.

Schooling & community

• Indian families often choose CBSE/ICSE/IGCSE/IB tracks. Join language/cultural associations (regional groups) for festivals (Onam, Diwali, Eid) and carpools.

Pitfalls to avoid

• Letting PAN/Aadhaar link issues block your Indian bank services.

• Mixing Indian‑source income into NRE (keep it to NRO).

• Not saving scans of PCC/degree—they’re often requested later.

Micro‑checklist (India)

• PCC ✔ • PAN updated ✔ • NRE/NRO active ✔ • Beneficiaries saved ✔ • Copies of degree/medical ✔ • Iqama + bank open ✔

Script to HR (EN)

“Please confirm if our payroll supports any bank or if a specific bank is required. I’ll open the account once my Iqama is issued and share the IBAN.”

خطاب للموارد البشرية (AR)

«برجاء تأكيد ما إذا كان يمكن تحويل الراتب إلى أي بنك أو إلى بنك محدد. سأفتح الحساب عند صدور الإقامة وأشارككم الآيبان.»

Philippines → Saudi Arabia (OFW Essentials)

Fast facts

• Many Filipinos arrive as OFWs under DMW processes. Keep track of OEC/e‑Registration, and contributions to SSS, Pag‑IBIG, and PhilHealth.

• Bank at home stays useful; maintain an account for family support and bill payments.

Before you fly

• OEC/e‑Reg and contract verification (as your role requires).

• SSS/Pag‑IBIG/PhilHealth numbers active and linked to your current mobile/email.

• Banking at home: Keep a peso account and ensure a trusted authorized representative can deposit/withdraw (where allowed) or use online banking.

On arrival

• SIM + wallet: Local number first; enable international transfers with a provider that supports PH cash pick‑up and bank crediting.

• Bank account after Iqama: Standard local account for salary + bills; keep proof of insurance accessible for clinic visits.

Remittances PH corridor — what works

• Match the payout method (bank credit, GCash/Maya, or cash pick‑up) to what your family prefers.

• Compare total cost at PHP receipt level (fees + FX). Save beneficiaries and test with a small amount.

Schooling & community

• Look for K‑12/IB/US/British schools; Filipino church communities often host Simbang Gabi, choir groups, and weekend sports.

• For weekend rest days, expect crowded remittance centers—go mid‑week if you can.

Pitfalls to avoid

• Missing OEC renewal windows if you change employer or go on vacation.

• Sending funds with unclear recipient IDs—pre‑validate names to avoid delays.

Micro‑checklist (Philippines)

• OEC/e‑Reg ✔ • SSS/Pag‑IBIG/PhilHealth ✔ • Peso account ✔ • Beneficiaries set ✔ • Iqama + bank ✔

Script to bank support (EN)

“I’m an expat in Saudi Arabia sending to the Philippines. Can you confirm fees and FX for bank credit vs cash pick‑up, and maximum per‑day limits for verified users?”

استفسار إلى الدعم البنكي (AR)

«أنا مقيم في السعودية وأحوّل إلى الفلبين. هل يمكن تأكيد الرسوم وسعر الصرف للتحويل إلى حساب بنكي مقابل استلام نقدي، وما هي حدود التحويل اليومية للمستخدم الموثق؟»

Pakistan → Saudi Arabia (NICOP & RDA Guide)

Fast facts

• Many Pakistanis maintain NICOP (overseas ID) and open Roshan Digital Account (RDA) for seamless inbound remittances, investments, and bill payments back home.

• Keep a PK bank relationship for utility taxes, school fees, or property matters.

Before you fly

• Police Character Certificate (if employer/visa requires).

• Degree attestation (if role demands) and certified translations as needed.

• Banking at home: Ensure access to RDA onboarding or keep a standard account with updated mobile/email.

On arrival

• SIM + wallet for immediate payments; open a local bank account after Iqama.

• Payroll letter from HR speeds onboarding; store pay slips for loan/visa needs.

Remittances PK corridor — practical notes

• For family in Pakistan, compare bank‑to‑bank, cash pick‑up, and wallet options; check cut‑off times before public holidays.

• For larger amounts (education/property), request proof of source docs upfront to avoid delays.

Schooling & community

• Pakistani families split across FBISE/British/IB paths; cricket and football clubs are active; Eid, Independence Day, and cultural nights are common community anchors.

Pitfalls to avoid

• Letting NICOP lapse and struggling with banking KYC back home.

• Under‑documenting source of funds for large transfers (keep pay slips/contract).

Micro‑checklist (Pakistan)

• NICOP valid ✔ • RDA/PK bank access ✔ • PCC (if required) ✔ • Beneficiaries saved ✔ • Iqama + local bank ✔

Script to remittance provider (EN)

“I’ll send monthly to Pakistan. Please confirm FX spread over interbank for standard and express speeds, and any promo codes for recurring users.”

طلب توضيح من مزود التحويل (AR)

«سأحوّل شهرياً إلى باكستان. نرجو توضيح فرق سعر الصرف عن السعر المرجعي لسرعتي العادي والسريع، وأي عروض ترويجية للمستخدمين الدائمين.»

Egypt → Saudi Arabia (Continuity & Credentials)

Fast facts

• Many Egyptians keep bank accounts and obligations at home (family support, property). Keep your mobile number on file for OTPs and account access.

• Academic/professional certificates are often requested for certain roles—bring originals and certified copies.

Before you fly

• Criminal record certificate (if employer/visa asks).

• Degree/experience certificates and translations (Arabic/English) if needed.

• Set a power of attorney (limited scope) for urgent matters at home, if appropriate.

On arrival

• SIM + wallet, then local bank account with Iqama.

• Ask HR to state dependents and allowances in letters you can reuse for visa or school admissions.

Remittances EG corridor — how families like it

• Many households prefer bank credit to Egyptian pounds; others use cash pick‑up. Compare arrival amounts (fees+FX).

• Schedule transfers before weekends/holidays to avoid delays.

Schooling & community

• Mix of Egyptian curriculum, British, American, and IB. Look for Arabic language support if kids are transitioning.

Pitfalls to avoid

• Relying on a single number for bank OTPs—keep a backup.

• Not keeping digital copies of marriage/birth certificates for dependent services.

Micro‑checklist (Egypt)

• Certificates/POA ✔ • Bank number active ✔ • Beneficiaries saved ✔ • Iqama + bank ✔

Script for school (EN)

“We’re relocating from [city] with children in [grades]. Could you confirm seat availability and share your fee schedule and bus routes?”

نص إلى المدرسة (AR)

«ننتقل من [المدينة] ومعنا أطفال في [الصفوف]. هل يمكن تأكيد توفر المقاعد ومشاركة جدول الرسوم ومسارات الحافلات؟»

United States → Saudi Arabia (US Compliance & Cashflow)

Fast facts

• US persons are taxed on worldwide income. Typical filings: FATCA/FBAR for foreign accounts; consider FEIE/FTC scenarios with a qualified advisor.

• Expect FATCA questionnaires from some non‑US banks; keep US ID and W‑forms current.

Before you fly

• Ensure US banking and multi‑factor apps work abroad (international SMS or authenticator app).

• Decide on mail handling (trusted person/virtual mailbox).

• If keeping US investments, confirm brokerage allows foreign residency.

On arrival

• SIM + wallet, then local account post‑Iqama; keep a US credit card active for travel and online services.

• Track days outside the US if exploring FEIE eligibility (with professional advice).

Remittances US corridor

• Most Americans receive rather than send, but if supporting US accounts, use ACH‑equivalent routes via global platforms or direct SWIFT; check fees for inbound to US banks.

Schooling & community

• US/IB/British schools all present; PTA and sports volunteers are good ways to plug in. US holidays (Thanksgiving, July 4th) are often celebrated within communities.

Pitfalls to avoid

• Missing FBAR/FATCA thresholds when opening local accounts.

• Assuming US cards always work for 3‑D Secure (set up multiple payment methods).

Micro‑checklist (USA)

• FBAR/FATCA awareness ✔ • US MFA apps ✔ • Brokerage policies ✔ • Iqama + local bank ✔

Script to tax advisor (EN)

“I’m a US citizen working in Saudi Arabia. I’d like to review FEIE vs Foreign Tax Credit, and confirm FBAR/FATCA implications given a local salary account and savings.”

استفسار للضرائب (AR)

«أنا مواطن أمريكي أعمل في السعودية. أود مناقشة الاستبعاد الضريبي للدخل الأجنبي مقابل الائتمان الضريبي الأجنبي، وتأكيد تبعات الإفصاح عن الحسابات الأجنبية مع وجود حساب راتب محلي ومدخرات.»

Europe (EU/UK) → Saudi Arabia (Residency & Practicalities)

Fast facts

• Banking relationships in the EU/UK can be affected by de‑risking or address changes—keep an EU/UK address for statements or use a digital bank that supports non‑resident profiles.

• Driving: consider an International Driving Permit (IDP) for rental cars until your local license is in place.

Before you fly

• Tax and social security: clarify residency tests and health coverage tie‑offs at home.

• Bank continuity: keep at least one domestic account for bills/taxes; switch to app‑based MFA to avoid SMS issues.

On arrival

• SIM + wallet; open local bank with Iqama.

• For schools, compare British/IB/American tracks; book tours and assessment early.

Remittances EU/UK corridor

• If sending to Europe, prefer SEPA‑linked routes or specialist providers; compare FX on EUR/GBP pairs and arrival amounts at the destination bank.

Community & lifestyle

• Strong football/running/cycling clubs; seasonal outdoor trips; city arts and dining scenes have grown quickly.

Pitfalls to avoid

• Letting banking apps get locked to an old phone/number; secure backup codes.

• Assuming Schengen driver rules apply—treat Saudi as a separate jurisdiction.

Micro‑checklist (EU/UK)

• Tax/health tie‑offs ✔ • IDP ✔ • Bank continuity ✔ • Iqama + local bank ✔

Script to EU/UK bank (EN)

“I’m relocating outside the EU/UK. Please confirm if I can retain my current account with a foreign address, and how to change my 2FA method to an authenticator app.”

نص للمصرف (AR)

«سأنتقل خارج الاتحاد الأوروبي/المملكة المتحدة. هل يمكنني الاحتفاظ بـ الحساب الحالي مع عنوان أجنبي، وكيف أغيّر التحقق الثنائي إلى تطبيق توثيق؟»

Canada → Saudi Arabia (Residential Ties & Money Map)

Fast facts

• CRA assesses residency based on residential ties (home, spouse/dependents, provincial documents). Plan how you’ll sever or retain ties and understand tax implications with an advisor.

• Health coverage: Provincial plans may have absence limits; check re‑enrollment rules.

Before you fly

• Decide on mail and address handling in Canada.

• Ensure banking/credit apps support authenticator methods (not just SMS).

• Review RRSP/TFSA contribution/withdrawal implications while abroad with a professional.

On arrival

• SIM + wallet, then local bank with Iqama; keep Canadian cards for travel and online subscriptions.

• For schooling, compare IB/US/British programs; list bus routes before lease signing.

Remittances CA corridor

• If sending to Canada, compare routes that deliver to Interac‑enabled banks or as domestic wires; check recipient bank fees.

Community & lifestyle

• Community events around Canada Day; hiking/camping groups; winter travel planning to nearby destinations during school breaks.

Pitfalls to avoid

• Letting driver’s license/health card lapse unexpectedly; note renewal schedules.

• Closing all Canadian accounts—keep one domestic account for bills/taxes.

Micro‑checklist (Canada)

• CRA ties plan ✔ • Health coverage rules ✔ • Bank continuity ✔ • Iqama + local bank ✔

Script to CRA/Advisor (EN)

“I’m moving to Saudi Arabia for work. I need to understand how residential ties affect my tax residency, and how to handle RRSP/TFSA while away.”

استفسار ضريبي (AR)

«سأنتقل للعمل في السعودية. أود معرفة تأثير الروابط السكنية على الإقامة الضريبية وكيفية إدارة RRSP/TFSA أثناء الغياب.»

Quick compare tables (keep these handy)

Banking & onboarding (arrival → first 60 days)

Remittances (corridor‑agnostic picking)

Tax/Admin touchpoints (country‑specific)

Copy‑paste scripts (EN/AR) for expats

Ask HR for a salary letter (EN)

“Could you issue a salary letter stating my monthly gross, position, and employment start date, addressed ‘To whom it may concern’ for bank/landlord use?”

طلب خطاب تعريف بالراتب (AR)

«هل ممكن إصدار خطاب تعريف بالراتب يوضح الراتب الشهري والمسمى الوظيفي وتاريخ المباشرة وموجَّه لمن يهمه الأمر لاستخدامه لدى البنك/المالك؟»

Confirm bank onboarding (EN)

“I have my Iqama and employer letter. What else do you need to open the account and enable online banking?”

تأكيد فتح الحساب (AR)

«لدي الإقامة وخطاب من جهة العمل. ما المتطلبات الأخرى لـ فتح الحساب وتفعيل الخدمات الإلكترونية؟»

Escalate a delayed transfer (EN)

“My transfer [ref ####] is delayed beyond the stated window. Please confirm status, compliance checks, and an ETA, or cancel and refund.”

تصعيد تحويل متأخر (AR)

«تحويلي [رقم المرجع ####] متأخر عن الوقت المعلن. نرجو تأكيد الحالة وإجراءات الالتزام والوقت المتوقع أو إلغاء العملية وإعادة المبلغ.»

FAQs

India → Saudi Arabia — deeper dives (banking, tax posture, family)

Banking playbook (NRE/NRO details)

• NRE (Non‑Resident External): Use for foreign income you remit to India; principal + interest typically repatriable. Avoid crediting Indian‑source income here.

• NRO (Non‑Resident Ordinary): Use for Indian income (rent, dividends, pensions). Repatriation may require certificates (tax compliance forms). Keep separate ledgers for clarity.

• Practical setup: Share a view‑only or limited PoA with a trusted family member for bill handling; enable app MFA instead of SMS whenever possible.

Credit & investments

• If you plan to invest in Indian mutual funds/shares, keep KYC updated as NRI. Note product eligibility differences by country of residence; some AMCs restrict US/Canada residents—check fund house rules.

• For home loans on Indian property, prepare salary letters and Iqama copies for the bank’s underwriting.

Family & dependents

• Birth/marriage certificates: Carry originals; scan and keep attested copies.

• Parents visiting: Check medical insurance options for visitors before travel; factor in pre‑existing conditions clauses.

Contract & HR

• Ask HR for salary letters and leave policies in writing; clarify end‑of‑service (EOS) rules and return ticket terms. Keep email copies for later visa processing.

Avoid these mistakes

• Mixing NRE/NRO flows causing audit headaches.

• Missing rent agreements or Form 16A (TDS) proof on Indian rental income.

• Relying solely on SMS OTP—use authenticator apps/backups.

Philippines → Saudi Arabia — deeper dives (OEC, benefits, family)

DMW/OEC rhythm

• Keep your DMW e‑Registration credentials current. Before vacation, confirm whether you must secure/renew OEC for re‑entry with your current employer.

• Save contract copies and employer contact for verification requests during travel.

SSS, Pag‑IBIG, PhilHealth — continuity

• Maintain contributions while abroad if applicable; know your online portals and reset methods. For housing programs (Pag‑IBIG), keep contact details updated.

Banking & transfers

• If family uses GCash/Maya, choose providers that credit wallets directly. For cash pick‑up, confirm ID requirements for your recipient (e.g., matching names).

Family logistics

• If bringing dependents, budget for school admissions fees and bus deposits.

• For infants, carry vaccination cards and a note from the pediatrician summarizing history in English.

Avoid these mistakes

• Overlooking name mismatches between recipient ID and remittance profile.

• Forgetting OEC timing before flights; plan two weeks out.

Pakistan → Saudi Arabia — deeper dives (identity, money, property)

Identity & documents

• Keep NICOP valid; it smooths banking and some government interactions in Pakistan. Store digital copies in encrypted storage.

• For degree/equivalence, organize HEC attestations and translations if your employer or regulator requests them.

RDA & flows

• Roshan Digital Account supports remittances, bill pay, and access to investment products. Map which bank and product suite fit your needs (e.g., fixed deposits, Naya Pakistan Certificates where available).

• For vehicle/home financing back home, confirm documentation and salary proof accepted from Saudi.

Property & family

• If you support property management remotely, set up limited PoA and arrange video inspections; keep utility accounts in good standing to avoid reconnection fees.

Avoid these mistakes

• Lapses in NICOP causing KYC blocks.

• Sending large transfers with incomplete proofs—upload salary letters/pay slips proactively.

Egypt → Saudi Arabia — deeper dives (attestation, currency, schools)

Documents & attestations

• For roles needing educational verification, bring originals and check the attestation chain (university → local MOFA/competent authority → any embassy steps your employer requests). Keep English/Arabic translations handy.

Currency & transfers

• Families may prefer EGP bank credit or USD accounts; ask recipients which they use.

• For big tickets (education deposits, medical), notify your provider before sending so compliance doesn’t delay crediting.

Schooling

• Clarify placement tests and language support; some schools require recent school reports and recommendations.

Avoid these mistakes

• Depending on one phone line for all banking OTPs; maintain a backup.

• Delaying document scans—do it while everything is organized.

United States → Saudi Arabia — deeper dives (compliance, finance, workflows)

US compliance quick map (talk to a pro)

• FBAR: File if your aggregate foreign accounts exceed a threshold on any day of the year.

• FATCA Form 8938: Additional reporting for specified foreign assets if you cross thresholds.

• FEIE vs FTC: Explore whether Foreign Earned Income Exclusion or Foreign Tax Credit (or both) better fits your situation; mind housing exclusion potential.

• State residency: Some states have stickier rules; plan a clean exit (mail, driver’s license, voter registration, domicile ties).

Banking & cards

• Keep at least one US checking account and credit card for subscriptions and travel; enable app‑based MFA.

• Be ready for FATCA questionnaires when opening non‑US accounts.

Investments

• Some US brokerages restrict trading once you update a foreign address. Clarify what you can hold vs what you can trade, and consider leaving your account address as a mailing address while complying with firm rules.

Avoid these mistakes

• Ignoring annual reporting just because salary is earned tax‑free in Saudi—US reporting can still apply.

• Losing access to MFA when you change numbers—store backup codes offline.

Europe (EU/UK) → Saudi Arabia — deeper dives (residency, drivers, continuity)

Residency & tax posture

• Understand your home‑country residency tests (statutory day counts/ties). Plan health coverage exit/return paths and keep evidence of travel days.

Driving & IDP

• Carry an International Driving Permit when renting cars initially; confirm your local license conversion path with employer/insurer.

Banking continuity

• Some banks require a correspondence address in the EU/UK; digital banks may support non‑resident profiles. Switch 2FA to an app before the SIM number changes.

Schooling

• British/IB pathways are common; book assessments well ahead of term.

Avoid these mistakes

• Letting a bank close your account due to undeliverable mail; set up e‑statements and a reliable mailing address.

• Assuming EU medical cards apply in Saudi—arrange local insurance from day one.

Canada → Saudi Arabia — deeper dives (ties, accounts, planning)

Residential ties planning

• Decide whether you’re severing or retaining ties; list major ties (home, spouse/dependents, provincial docs) and minor ties (bank accounts, memberships). Document your date of departure and maintain records.

Banking & credit

• Keep at least one Canadian account and a major credit card; switch to authenticator app MFA.

• For RRSP/TFSA, understand contribution/withdrawal impacts while abroad with a qualified professional.

Health & admin

• Provincial health plans may have absence rules; know how to re‑enroll on return. Keep DL renewal dates noted.

Avoid these mistakes

• Letting all banking go dormant and struggling to re‑activate from abroad.

• Ignoring mail—set up a reliable mail solution or trusted proxy.

Corridor mini‑playbooks (how to send smartly)

KSA → India

• Set recipients with IFSC or UPI details. Test small amounts. Compare bank wire vs specialist; watch weekend/holiday cut‑offs in India.

KSA → Philippines

• Decide bank vs wallet vs cash pick‑up. Pre‑verify recipient IDs. Avoid end‑of‑day rush—queues build before rest days.

KSA → Pakistan

• Pre‑upload salary proof for smoother compliance on large sends. Confirm bank holidays in both countries for delivery estimates.

KSA → Egypt

• Confirm payout currency preference. For tuition/medical, notify the receiving institution before the transfer.

KSA → US/EU/UK/CA (reverse support)

• If sending back occasionally, consider providers with domestic rails (ACH/SEPA/FPS/Interac) at destination to reduce recipient fees.

Joining communities fast — playbook by nationality

• Indian: Find regional cultural associations (Malayali, Tamil, Telugu, Punjabi, Bengali, etc.), cricket teams, and festival organizing committees—volunteering opens networks quickly.

• Filipino: Church groups/choirs, dance/fitness communities, and weekend sports leagues; language exchange groups are welcoming.

• Pakistani: Cricket/football clubs, professional networks (engineers, IT, medical), and national‑day events.

• Egyptian: Family‑oriented gatherings, Arabic language clubs for kids, football groups, and cultural nights.

• American: PTA/school groups, softball/basketball leagues, volunteering for school fairs; Thanksgiving/fourth‑of‑July meetups.

• European (EU/UK): Cycling/running clubs, language meetups, book clubs, and amateur theatre/music.

• Canadian: Outdoor/hiking circles, family‑day events, and community charity drives.

Per‑country “red flags” (avoid headaches)

• India: NRE/NRO mixing; PAN/Aadhaar link issues; not retaining rent/proof documents for Indian filings.

• Philippines: OEC lapses; name mismatches on remittances; lost portal logins for SSS/Pag‑IBIG.

• Pakistan: NICOP expiry; missing proofs on large transfers; property management without clear POA.

• Egypt: Single‑SIM dependence for OTPs; untranslated certificates when asked.

• USA: Missed FBAR/FATCA triggers; brokerage restrictions after address change.

• EU/UK: Bank de‑risking due to address change; lapsed IDP/insurance for rentals.

• Canada: Unplanned CRA residential ties; provincial health coverage lapse.

Extra scripts (EN/AR) you’ll actually use

Ask HR for end‑of‑service clarification (EN)

“Could you confirm how End‑of‑Service (EOS) is calculated for my role and contract, and how unused leave is paid on final settlement?”

استفسار عن مكافأة نهاية الخدمة (AR)

«هل يمكن توضيح طريقة احتساب مكافأة نهاية الخدمة وفقاً لوظيفتي وعقدي، وكيف يتم دفع رصيد الإجازات عند المخالصة النهائية؟»

Bank address change (EN)

“I’ve moved to Saudi Arabia. Please update my mailing address and switch my two‑factor from SMS to an authenticator app.”

تحديث العنوان البنكي (AR)

«انتقلت إلى السعودية. فضلاً حدّثوا عنوان المراسلة وحوّلوا التحقق الثنائي من الرسائل القصيرة إلى تطبيق موثّق.»

School assessment booking (EN)

“We’d like to book admissions assessments for [child/grade]. Could you share available dates, required documents, and placement test scope?”

حجز تقييم قبول (AR)

«نرغب بحجز تقييم قبول لـ [الطفل/الصف]. ما المواعيد المتاحة وما المستندات المطلوبة ونطاق اختبار المستوى؟»

Employment, dependents & mobility — what’s the same for everyone (and what varies)

• Sponsorship: Your employer sponsors your work residency (Iqama) and, where applicable, dependents (spouse/children). Keep passport validity well beyond your contract end.

• Dependents: Budget for dependent fees, medical insurance, and school admissions. Collect marriage/birth certificates (originals + translations) early.

• Exits & re‑entries: Before travel, confirm exit/re‑entry permissions and any notification window with HR. Keep pay slips and no‑dues letters tidy—useful at renewal/exit.

• Job changes: Expect paperwork hand‑offs (release letters, new contracts). Keep your bank updated on employer changes to avoid mismatched payroll flags.

• Final exit: Plan salary settlement, EOS, bank closures, housing handover, utility cancellations, and school clearances in a 90‑day window before your final flight.

City by city — schooling & lifestyle lenses

Riyadh

• Broadest range of international schools (British/US/IB/CBSE/FBISE). Bus routes shape where families live; many compounds run internal shuttles. Weekend traffic is lighter—museum and park visits work best early evenings in summer.

Jeddah

• Coastal vibe; strong arts/food scene; school choices across British/US/IB with fewer but growing South Asian curricula. Sea breeze helps evenings; consider Corniche proximity for lifestyle.

Eastern Province (Dammam/Khobar/Dhahran)

• Dense corporate presence, many compounds, and engineering/energy families; schools cluster around Dhahran/Khobar. Beach mornings and evening sports are common.

Banking timelines by country — 0→60 days

India

• Day 1–7: SIM + wallet; employer HR letters requested.

• Day 8–21: Iqama issued; open local account; register for online banking; save IBAN.

• Day 22–60: First payroll lands; run test remittance to NRE/NRO; set up recurring monthly transfers; store pay slips.

Philippines

• Day 1–7: SIM + wallet; check OEC/DMW status ahead of any vacation planning.

• Day 8–21: Local account; add recipients in your remittance app; test GCash/Maya/bank credits.

• Day 22–60: Build emergency fund (1–2 months’ expenses) in local account; align payday with family remittance schedule.

Pakistan

• Day 1–7: SIM + wallet; scan and upload salary letter.

• Day 8–21: Local bank; confirm KYC tiers with remittance provider; ensure documents for larger amounts.

• Day 22–60: If using RDA, test flows; keep NICOP validity reminders.

Egypt

• Day 1–7: SIM + wallet; gather recipients’ account details and currency preferences.

• Day 8–21: Open local account; test bank credit and cash pick‑up routes.

• Day 22–60: Organize school fees and bus payments; store official fee letters.

USA

• Day 1–7: SIM + authenticator apps for US banking; add a US contact for mailing.

• Day 8–21: Open local account; plan FBAR/FATCA account tracking early.

• Day 22–60: Build a spending pattern (local card + US card) and keep records for reporting.

EU/UK

• Day 1–7: SIM + wallet; move bank 2FA to an app.

• Day 8–21: Local account; check whether home bank requires a correspondence address.

• Day 22–60: Confirm your license/IDP situation and insurance for rentals.

Canada

• Day 1–7: SIM + wallet; confirm mail and address handling at home.

• Day 8–21: Local account; ensure CRA ties plan is written down.

• Day 22–60: Build a buffer; list renewal dates for DL/health cards.

Remittance decision matrices (by corridor)

KSA → India

KSA → Philippines

KSA → Pakistan

KSA → Egypt

Repatriation & final‑exit steps (country‑aware checklist)

All expats (90‑day clock)

• Book exit window with HR; request salary/EOS estimate.

• Close utilities, internet, and housing; collect clearance letters.

• Run final remittance; keep proofs for audits.

• Close or downgrade local bank if leaving; keep contact updated for any residuals.

• Deregister wallets and confirm SIM ownership transfer or cancellation.

India

• Update bank KYC if address changes; confirm NRE/NRO treatment after return; keep FY day‑count records.

• Plan school re‑entry and storage/shipping timelines.

Philippines

• Check OEC/DMW status for future re‑entry; maintain SSS/Pag‑IBIG contributions as desired.

Pakistan

• Keep NICOP active; update RDA communications; store property and tax documents securely.

Egypt

• Settle any institutional payments (schools/medical) with receipts; retain translations of key documents.

USA

• Track final FBAR/FATCA reporting with account closures; update mailing; monitor state obligations.

EU/UK

• Update home‑bank address; prepare for re‑enrollment in national systems on return.

Canada

• Re‑establish residential ties and provincial health; update CRA records.

Glossary (so you don’t have to Google mid‑form)

• Iqama: Saudi residency ID tied to employer/sponsor.

• EOS (End‑of‑Service): Final settlement benefits at contract end.

• NRE/NRO: Indian non‑resident bank accounts for foreign vs Indian‑source income.

• OEC/DMW: Overseas Employment Certificate / Department of Migrant Workers (PH).

• NICOP/RDA: Overseas Pakistani ID / Roshan Digital Account.

• FBAR/FATCA: US foreign account reporting regimes.

• CRA residential ties: Canadian concept for tax residency analysis.

• IDP: International Driving Permit.

• KYC: Know Your Customer (identity verification).

Real‑world case studies (by nationality)

India — two scenarios

A) Solo software engineer (Riyadh): Lands with offer letter and two suitcases. Day 1: buys eSIM, shares plus code with HR. Week 2: Iqama issued; opens bank, enables app MFA. Week 3: sends first INR remittance to NRE; sets a small recurring transfer to parents’ account; joins a cricket net group; volunteers for festival logistics. Result: social circle within 3 weeks and clean money trails. B) Family of four (Khobar): Parents pick a villa on a school bus route. They separate NRE/NRO flows; mother opens local account for household expenses. They pin two hospitals and practice the 911 script with their teens. Result: smooth school start and no OTP lockouts.

Philippines — two scenarios

A) Nurse (Jeddah): Keeps OEC and DMW credentials up to date; uses a provider that credits GCash for family bills; keeps receipts in a shared folder with siblings. Result: zero queue time at remittance counters and neat family accounting. B) Mid‑career manager (Riyadh): Ships a small Balikbayan box quarterly; labels contents clearly for family; books flights outside peak windows; saves all contract updates for OEC renewals. Result: predictable travel and stress‑free returns.

Pakistan — two scenarios

A) Mechanical engineer (Dhahran): Opens local account; sets up RDA to invest savings in fixed deposits back home; keeps NICOP calendar reminders. Result: no KYC surprises on big transfers. B) Family with elderly parents in PK: Uses a bank with a cash pick‑up partner near parents’ home; adds a second recipient as backup; stores documents in a family cloud folder. Result: uninterrupted support.

Egypt — two scenarios

A) Newly married couple (Riyadh): Carries attested marriage/birth certificates; chooses bank credit to EGP for parents and USD for savings; joins Arabic conversation clubs. Result: clean remittance records and quick friend network. B) Teacher (Jeddah): Brings degree/transcripts; asks HR for a generic salary letter; explores British schools for career growth. Result: a stronger CV and smooth visa renewals.

USA — two scenarios

A) Oil & gas professional (Dhahran): Keeps US checking + credit card; enables authenticator MFA; tracks accounts for FBAR; uses FEIE/FTC advice from a CPA. Result: compliant and organized. B) Startup product lead (Riyadh): Keeps brokerage in read‑only mode; uses US card for subscriptions; opens local account after Iqama for salary; hosts a Thanksgiving potluck at the compound. Result: financial continuity + community.

Europe (EU/UK) — two scenarios

A) Consultant (Riyadh): Uses a digital bank that accepts foreign addresses; gets IDP for rentals; moves 2FA to app; books school assessments before term. Result: no banking lockouts. B) Family in Jeddah: Parents join running clubs; kids join football; weekends on the Corniche; they keep UK current account open with e‑statements. Result: stable finances + active lifestyle.

Canada — two scenarios

A) Single engineer (Riyadh): Writes down a CRA ties plan; keeps Canadian card; sets up authenticator MFA; joins padel/board‑game nights. Result: admin under control and quick friendships. B) Family with toddler (Khobar): Shortlists nurseries; sets pediatric records; ensures provincial health rules for return; keeps a Canadian chequing account for bills. Result: smooth child care and zero banking surprises.

Extended FAQs — nationality‑specific

India — FAQs

Philippines — FAQs

Pakistan — FAQs

Egypt — FAQs

USA — FAQs

Europe (EU/UK) — FAQs

Canada — FAQs

Education packs — documents & school questions (by nationality)

India

• Bring: Last 2 years’ report cards; transfer certificate; vaccination record; passport photos.

• Ask: Language support; CBSE/ICSE seat availability; bus routes; exam board change impacts.

Philippines

• Bring: Report cards; good moral certificate if provided; birth certificate copies; vaccinations.

• Ask: ESL support; fees & payment schedules; sibling discounts; after‑school clubs.

Pakistan

• Bring: Report cards; FBISE references if switching; passport/birth certificate copies.

• Ask: Urdu/Arabic support; exam board choices; sports programs.

Egypt

• Bring: Report cards; Arabic language level notes; birth/marriage certificates.

• Ask: Placement tests; Arabic/Islamic studies requirements; fee timelines.

USA

• Bring: Report cards; standardized test history; IEP/504 plans if any.

• Ask: AP/IB availability; credit transfers; college counseling timeline.

Europe (EU/UK)

• Bring: Reports; references; languages studied; GCSE/A‑level/IB track info.

• Ask: Subject placement; exam boards; university destinations.

Canada

• Bring: Reports; provincial curriculum notes; vaccination record.

• Ask: IB/MYP/PYP options; French/second‑language continuity; extracurriculars.

Country‑aware cultural calendars — holidays & community touchpoints

• India: Republic Day, Holi, Eid, Independence Day, Diwali, regional festivals (Onam, Pongal, Navratri). Join cultural nights and school fairs.

• Philippines: Simbang Gabi, Easter, Flores de Mayo, Christmas pageants; community choirs and charity drives.

• Pakistan: Pakistan Day, Eid, Independence Day; cricket tournaments and community dinners.

• Egypt: Ramadan/Eid, Sham El‑Nessim; Arabic poetry/music nights.

• USA: Thanksgiving, July 4th, Memorial Day; PTA fundraisers and sports leagues.

• Europe (EU/UK): Christmas markets, national days, summer sports; expat clubs and language meetups.

• Canada: Canada Day, Thanksgiving (Oct), holiday drives; hiking and winter‑travel planning groups.

Salary & benefits — negotiation patterns that work (country‑aware phrasing)

Core items to confirm in writing (all nationalities): base salary, housing allowance (or company housing), transport, medical insurance (family vs employee only), schooling support (number of children/grade caps), annual flights, relocation/shipping, probation, notice, EOS, bonus, overtime (if applicable).

India — sample phrasing

“Given current rent CPI and school fees, could we set housing at a level aligned with [target area] and confirm school fee support for [number] children up to [grade]?” “Please include a salary letter template and release letter process in our HR pack for banking.”

Philippines — sample phrasing

“Can we confirm medical insurance includes dependents and that annual flights apply for [self/family]? I’ll also need a salary letter for bank onboarding.” “Could we specify overtime policy and rest day arrangements in the contract?”

Pakistan — sample phrasing

“Please specify the transport allowance or company vehicle policy, and provide the salary letter we can reuse for large remittances and RDA documentation.” “Can we confirm schooling allowance and grace period for seat confirmation?”

Egypt — sample phrasing

“Could we clarify housing allowance bands for [district], and confirm family medical coverage including maternity?” “Please include a standard no‑dues process list for final settlement.”

USA — sample phrasing

“Given US filing requirements, I’ll maintain accounts in the US and Saudi—please provide a salary letter and confirm bonus and stock treatment for EOS.” “Can we outline remote work flexibility around US holidays?”

Europe (EU/UK) — sample phrasing

“Can we set schooling support aligned with British/IB tuition levels and confirm housing allowance indexed to district averages?” “Please confirm business travel and per diem policy.”

Canada — sample phrasing

“As we’re relocating with children, could we confirm schooling support and housing aligned to [neighborhood] rents?” “Please include annual flights and a relocation allowance with receipts.”

First 90 days — roadmaps by nationality

India — 90‑day roadmap

• 0–15 days: SIM/wallet; Iqama; bank; map hospitals/schools; set UPI/beneficiary details in India.

• 16–45 days: First payroll; test NRE/NRO remittance; join community groups; scan all documents.

• 46–90 days: Build 1–2 months buffer; schedule school follow‑ups; document NRI day counts.

Philippines — 90‑day roadmap

• 0–15 days: OEC/DMW check; SIM/wallet; bank; set wallet recipients.

• 16–45 days: Test bank/wallet/cash pick‑up; build emergency fund; save HR letters.

• 46–90 days: Plan vacation windows; keep OEC requirements noted; join church/choir and sports groups.

Pakistan — 90‑day roadmap

• 0–15 days: SIM/wallet; Iqama; bank; NICOP validity check.

• 16–45 days: Test RDA or bank routes; pre‑upload salary proofs; secure PoA if needed.

• 46–90 days: Build buffer; align property/education payments; join cricket leagues.

Egypt — 90‑day roadmap

• 0–15 days: SIM/wallet; bank; gather school documents.

• 16–45 days: Test remittances; get fee letters and bus maps; scan translations.

• 46–90 days: Build buffer; join Arabic conversation clubs; plan family visits.

USA — 90‑day roadmap

• 0–15 days: SIM; set authenticator apps; bank; list accounts for FBAR tracking.

• 16–45 days: Map FEIE/FTC questions; organize payroll/benefit letters; join school/PTA groups.

• 46–90 days: Build buffer; draft compliance calendar; confirm brokerage rules.

Europe (EU/UK) — 90‑day roadmap

• 0–15 days: SIM/wallet; bank; set 2FA app; IDP for rentals.

• 16–45 days: School tours & assessments; sort mail address; set e‑statements.

• 46–90 days: Build buffer; sports/community memberships; check license conversion.

Canada — 90‑day roadmap

• 0–15 days: SIM/wallet; bank; mail solution; CRA ties plan.

• 16–45 days: School tours; list provincial card renewals; set authenticator MFA.

• 46–90 days: Buffer; plan holiday travel; confirm health coverage rules for returns.

Transport & driving plan (city flavor)

• Ride‑hail first: Use ride‑hail for the first month to learn routes and traffic rhythms.

• Driving later: If you’ll drive, budget for lessons to learn local norms; keep reflective triangles and a compact first‑aid kit in the trunk.

• Parking: Mark safe evening parking near home/work; avoid flood‑prone underpasses in rainy periods.

• Servicing: If you buy a car, choose a model with service centers near your area; diarize insurance and Istimara renewal dates.

Bookmarks & personal admin vault (what to save)

• IDs & permits: Passport, Iqama, driving license scans; insurance cards; school letters; salary and no‑dues letters.

• Banking: IBAN, beneficiary lists, KYC docs; home‑country account details; app backup codes.

• Health: Vaccination cards; hospital contacts; pediatric notes; preferred clinic map pins.

• Housing: Lease/Ejar, landlord contacts, maintenance logs, utility account numbers.

• Travel: Exit/re‑entry permissions, flight receipts, hotel bookings, plus codes for home/school.

• Education: Report cards, placement results, fee schedules, bus routes, uniform lists.

• Community: Club memberships, event calendars, volunteer contacts.

Troubleshooting — unblockers for common expat snags

1) SIM registration fails at a kiosk

Why it happens: Name mismatch, passport scan quality, or system lag. Fix: Try a staffed store with passport + visa page; ask them to re‑scan and verify the Latin spelling of your name. If you have a middle name, ensure it matches your bank profile to avoid OTP mismatches later.

Message to carrier (EN)

“My SIM registration is failing due to a name mismatch. My passport shows [Full Name]. Could you please update the record and confirm the registered name?”

رسالة إلى مزود الاتصالات (AR)

«تتعذر عملية تسجيل الشريحة بسبب اختلاف الاسم. جوازي يظهر [الاسم الكامل]. هل يمكن تحديث السجل وتأكيد الاسم المسجل؟»

2) Bank holds your first salary transfer

Why it happens: New account, incomplete KYC, large first payroll. Fix: Provide employer letter, Iqama, and contract; ask for a named agent and a case number. Request a one‑time release while permanent flags are cleared.

Message to bank (EN)

“My first salary credit is on hold. I’ve attached Iqama, employer letter, and contract. Please advise documents needed for a one‑time release and confirm the case number.”

رسالة إلى البنك (AR)

«تم تعليق راتبي الأول. أرفقت الإقامة وخطاب جهة العمل والعقد. ما المطلوب لإجراء إفراج مرة واحدة؟ نرجو رقم الحالة.»

3) Remittance flagged in compliance

Why it happens: New sender, large amount, missing purpose. Fix: Pre‑upload salary slips, ID, and a short purpose note (tuition/medical/property). Keep beneficiary name exactly as on the account.

Message to provider (EN)

“Transfer [ref ####] is under review. Purpose: [tuition/property/medical]. Attached pay slips and ID. Grateful if you can expedite.”

رسالة إلى مزود التحويل (AR)

«التحويل [رقم المرجع ####] قيد المراجعة. الغرض: [رسوم دراسية/عقار/علاج]. أرفقت مسيرات الرواتب والهوية. نرجو التسريع إن أمكن.»

4) School waitlist stalls

Why it happens: Popular grades, late applications, missing documents. Fix: Ask for assessment slots, accept temporary placement if offered, and keep your application active by checking in fortnightly.

Message to school (EN)

“We remain interested in [grade] for [child]. We’re available for assessment on short notice. Could you share the waitlist position and any documents to accelerate?”

رسالة إلى المدرسة (AR)

«نحن ما زلنا مهتمين بـ [الصف] لـ [الطفل]. نحن متاحون لـ اختبار المستوى في أقرب وقت. هل يمكن مشاركة ترتيب الانتظار وأي مستندات قد تسرّع القبول؟»

5) Landlord delays Ejar/lease paperwork

Why it happens: Busy agents or missing IDs. Fix: Share Iqama, confirm rent schedule, and request a stamped lease or Ejar activation; avoid paying full deposits before documents are ready.

Message to agent (EN)

“Kind reminder to finalize Ejar. We’re ready to transfer the deposit upon receiving the stamped lease with start/end dates and payment schedule.”

رسالة إلى الوسيط (AR)

«تذكير لطيف لإتمام إيجار. سنحوّل التأمين عند استلام عقد مختوم يوضح تاريخ البداية/النهاية وجدول الدفعات.»

6) Exit window tight — closing accounts & utilities

Plan: Start 90 days out; set a weekly checklist (bank, utilities, internet, school, landlord). Request no‑dues and save final bills and clearance emails in one folder. Confirm final remittance arrival before flight week.

Message to HR (EN)

“We target a final exit on [date]. Please share the EOS estimate and documents needed for no‑dues and bank closure.”

رسالة إلى الموارد البشرية (AR)

«نستهدف خروجاً نهائياً بتاريخ [التاريخ]. نرجو مشاركة تقدير مكافأة نهاية الخدمة والمستندات اللازمة لـ براءة الذمة وإغلاق الحساب البنكي.»