Alinma — Saudi Arabia
Live offers from Alinma in Saudi Arabia, tracked daily by Giraffy.
Live offers
- Classic Banking
- Diamond Banking
- Family Account
- alinma Platinum for Ladies
- alinma Diamond for Ladies
Alinma Bank was established in 2006 as a fully Sharia-compliant, digital-first bank in Saudi Arabia, making it one of the Kingdom's newer major banks. It offers a complete range of Islamic banking products: credit cards, savings, current accounts, home finance, personal finance, auto finance, auto leasing, prepaid cards and investments. The Alinma app is consistently rated as one of the better digital banking experiences in the Kingdom. Alinma is particularly popular with younger Saudis and digitally confident users. It also offers the AlFursan Infinite credit card — the highest-tier SAUDIA miles card in the market.
| Provider | Alinma Bank |
|---|---|
| Country | Saudi Arabia |
| Provider type | Full-service Islamic bank — digital-first |
| Sharia compliance | 100% — all products are Sharia-compliant |
| Products | Credit cards, savings, accounts, home finance, personal finance, auto finance, investing, prepaid cards |
| Best for | Digital-first Islamic banking with a strong app and the AlFursan Infinite miles card |
| Main trade-off | Fewer physical branches than Al Rajhi Bank or Saudi National Bank |
| Alternatives | Al Rajhi Bank, Saudi National Bank, Riyad Bank, D360 Bank |
Best for
- SAUDIA frequent flyers who want the AlFursan Infinite credit card (SAR 1,000/year)
- Digital-first users who prefer app-based Islamic banking
- Younger Saudis and professionals comfortable with digital-only interactions
- Investors using Alinma Investment and savings products
Not ideal for
- Users who need frequent in-branch visits — Al Rajhi or SNB have more branches
- Users who want the highest-tier cashback card — Riyad Bank's Al-Hilal World Elite is stronger
- Conventional banking users — all Alinma products are Sharia-compliant only
Alinma vs alternatives
Alinma vs Al Rajhi Bank
Widest branch network and most established Islamic bank. Alinma vs Al Rajhi: Al Rajhi has far more branches. Alinma is superior for digital banking. Both offer AlFursan airline miles credit cards — compare the Alinma Alfursan Infinite (SAR 1,000/year) against Al Rajhi's equivalent.
Alinma vs Saudi National Bank
Saudi Arabia's largest bank for full-service branch banking. Alinma vs SNB: SNB has the biggest asset base. Alinma is preferred by users who want a stronger digital experience. Both offer comparable Islamic finance products.
Alinma vs Riyad Bank
Al-Hilal cashback cards and AlFursan miles with more branches. Alinma vs Riyad Bank: Riyad Bank differentiates with the Al-Hilal cashback range. Alinma is stronger in digital banking. Compare annual fees and rewards rates on current credit card offers.
Alinma vs D360 Bank
Fully digital bank focused on savings and personal finance. Alinma vs D360: D360 is a newer digital-only bank targeting competitive savings rates. Alinma offers the full product range including investment accounts. D360 may suit users who only need savings and lending.
Alinma in Saudi Arabia — FAQ
Is Alinma Bank digital only?
Alinma started as a digital-first bank but has physical branches across Saudi Arabia. It is more digital-oriented than traditional banks like Al Rajhi, with a strong app widely rated by Saudi users.
What is the Alinma AlFursan credit card?
Alinma offers SAUDIA AlFursan miles credit cards including the Alfursan Platinum (SAR 150/year), Signature (SAR 500/year) and Infinite (SAR 1,000/year). The Infinite is the top-tier SAUDIA miles card in the market.
Does Alinma offer Islamic banking?
Yes. Alinma Bank is 100% Sharia-compliant. All products including finance, savings and cards follow Islamic principles.
How does Alinma compare to Al Rajhi Bank?
Alinma has a stronger digital app experience and is a strong choice for app-first users. Al Rajhi has more physical branches and broader product variety. Both offer comparable Islamic finance products.
Alinma Bank Accounts: Flexible and Sharia-Compliant Banking for Everyone
Alinma Bank offers a variety of account types that adhere to Islamic finance principles, ensuring that customers can manage their money in a Sharia-compliant way. These accounts are designed to provide flexibility, security, and easy access, whether you're managing day-to-day finances or building long-term savings.
1. Current Accounts
Alinma Bank’s current accounts provide an efficient way to handle daily financial transactions. These accounts are accessible through a robust online banking system, mobile app, and a wide network of ATMs, making them ideal for personal and business use.
Key Features:
- No minimum balance requirement
- Free debit card issuance
- Access to online and mobile banking for 24/7 account management
- Free transfers within Saudi Arabia
- Bill payments via SADAD service
Why Choose It?
This account is perfect for individuals and businesses looking for easy access to funds without worrying about fees or complex requirements.
2. Savings Accounts
For those looking to grow their money over time, Alinma Bank offers savings accounts that follow a profit-sharing model in line with Islamic principles. Customers can enjoy peace of mind knowing their funds are being managed ethically.
Key Features:
- Profit-sharing based on Sharia principles
- No monthly fees or minimum balance requirements
- Convenient account access through mobile and online banking
- Competitive profit rates
Why Choose a Bank Account From Alinma Bank?
- Sharia-Compliant Options: All accounts and services follow Islamic banking principles.
- Flexible Account Choices: A variety of account types, including current, savings, and investment options.
- Comprehensive Digital Banking: A robust mobile app and online banking for easy account management and payments.
- Rewarding Credit Cards: Sharia-compliant cards with rewards and installment plans.
- Personalized Financing: Flexible financing options for home, auto, and personal needs, tailored to customers’ lifestyles.
Alinma Bank Credit Cards: Choose the Card That Suits Your Needs
Alinma Bank provides a range of credit cards designed to meet diverse financial needs, whether you’re looking for cashback rewards, travel perks, or a Sharia-compliant credit solution. Each card is crafted to offer flexibility and unique benefits while adhering to Islamic finance principles.
Alinma Credit Cards Overview:
- Alinma Classic Card: A basic card for everyday purchases, offering cashback on domestic and international transactions.
- Alinma Signature Card: A premium option for those who want higher spending limits and exclusive travel perks.
- Alinma Platinum Card: Designed for frequent travelers, this card offers rewards on travel purchases and access to airport lounges worldwide.
Why Choose Alinma Bank Credit Cards?
- Sharia-Compliant and Ethical: Alinma credit cards are structured in accordance with Islamic principles, providing peace of mind for ethical financial use.
- Reward Programs: Earn rewards on everyday spending, with flexible redemption options tailored to customer needs.
- Flexible Payment Options: Convenient installment plans allow for manageable payments over time.
- Comprehensive Digital Access: Easily manage your card, make payments, and track spending through the Alinma mobile app.
- Exclusive Benefits: Access to unique offers, discounts, and promotions with Alinma’s trusted partners.
Alinma Home Finance: Ethical & Transparent Path to Home Ownership
Alinma Home Finance delivers Shariah-compliant Murabaha financing for villas, apartments, land-and-construction projects, and refinancing—all with clear profit margins and flexible tenures. Apply end-to-end online via the Alinma App, website, or at any branch, with support from dedicated home-finance specialists and optional Takaful protection.
Why Choose Alinma for Home Finance?
- Fully Shariah-compliant Murabaha structure approved by Alinma’s Shariah Board
- Transparent profit rates with no hidden fees
- Flexible repayment tenures and customizable installment schedules
- Digital application and contract signing through the Alinma App
- Dedicated relationship managers and optional Takaful cover
Alinma Personal Finance: Fast, Flexible Murabaha Funding
Alinma Personal Finance offers Murabaha-based financing for education, travel, debt consolidation, major purchases, and more. Benefit from rapid eligibility checks and approvals via the Alinma App or in-branch, competitive profit margins, and the ability to top-up or refinance without penalty—backed by responsive customer support.
Why Choose Alinma for Personal Finance?
- Shariah-compliant Murabaha contracts with clear, up-front terms
- Rapid approval process—often within hours
- Flexible financing amounts and repayment periods
- Fully digital application via the Alinma App or online portal
- Top-up and refinancing options with no early-settlement fees
Alinma Auto Leasing: Ethical, Flexible Vehicle Leasing
Alinma Auto Leasing offers Ijarah-based leasing for new and certified pre-owned vehicles, featuring clear Shariah-compliant agreements and the freedom to transition to ownership at lease end. Use the fully online platform to estimate your lease, apply, and track payments via the Alinma App, with tailored insurance and service packages available for peace of mind.
Why Choose Alinma for Auto Leasing?
- Shariah-approved Ijarah leasing agreements
- Flexible lease tenures and end-of-lease ownership option
- End-to-end digital process through the Alinma App
- Transparent leasing rates with no hidden fees
- Optional insurance and service packages for full protection