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Whether you want to renovate your home, plan your vacation, complete your children's education or whatever your finance target may be, NCB Finance meets and achieves all of your aspirations.

One of the most important advantages of Personal Finance through local shares is the customer’s access to cash within 15 minutes of sending sell/buy request, then selling them immediately or transferring them to the customer’s trading portfolio. All buy, sell and transfer operations are carried out by a simple push of a button, which gives instruction to the stock-trading system to trade the shares in the market at their direct price. This enables the customer to complete the purchase, sale and transfer operations while at the bank branch.

Why local stocks in particular?

It is a Shariah compliant financing formula, based on selling local stocks, where the bank buys and owns the stocks and afterward sells them to the customer on credit at the cost price plus the agreed profit margin. The customer shall have the right to dispose those shares by reselling them and getting the fund or retaining them in his portfolio.

The main features of the product

  • Shariah compliant
  • Paperwork completed within 15 minutes
  • Immediate cash deposit to the customer’s account (in case of sale) ​

​The Relationship nature of the Shariah Fatwa and Supervisory Board  with NCB​

  1. The Shariah Fatwa and Supervisory Board is an independent body of the National Commercial Bank specializing in Islamic law. The Board consists of senior scholars who are familiar with the religious sciences, economic, legal and banking systems as well as Islamic banking. The Board is responsible for issuing legal rulings to whatever work-related cases and topics arise, as well as supervise all administration and branches work to ensure that they are consistent with the provisions of Islamic law. 

  2. The Shariah Fatwa and Supervisory Board work independently. 

  3. All National Commercial Bank sectors and departments offering Islamic banking products are committed to comply with the decisions and resolutions of the Shariah Fatwa and Supervisory Board.​​


  1. All sale and purchase operations need only a simple push of a button in the system by an officer of the Bank, to be traded in the market at the market price. 
  2. This service is compatible with the provisions of Islamic law and approved by the Shariah Fatwa and Supervisory Board
  3. This product has been reviewed and approved by the distinguished members of the Shariah Fatwa and Supervisory Board, namely:
  • Sheikh Abdullah bin Sulaiman Almanea Chairman. 
  • Sheikh Dr. Abdullah bin Abdul Aziz  al-Muslih Board member. 
  • Sheikh Mohammed bin Eid al-Ali Alqari Board member.


  • Copy of national ID or residence permit valid for (30 days) 
  • Letter of introduction from the employer that includes financial information, occupation and joining date valid for ( 30 days) 
  • Signed finance documents printed from the system

Terms & Conditions​

  • The customer must be employed in a company in the public or private sector which transfers the salaries of their employees to  NCB via "SARIE" system for payroll. 
  • The customer must have an active portfolio in case he wants to transfer the shares to his portfolio 
  • Minimum monthly salary:  SR 3,000 for Saudis and SR 4,000 for non-Saudis.** 
  • Employment period must not be less than one month for Saudis, and 3 months for non-Saudis. 
  • Minimum age of applicant  is 18 years old at the date of submission of application and must be less than  60 years old  at the date of last installment for Saudis*** 
  • Minimum age of applicant is 22 years old at the date of submission of  application and must be less than 60 years old at the date of last installment for non-Saudis **​
* All terms & conditions are applicable

​How to receive your Personal Finance

Stage 1: Applying stage:​

  • Visit your nearest Branch to apply to submit the required documents 
  • Select the way of getting the shares (buy/transfer) then choose one of the approved and Shariah-compliant share lists 
  • After Signing the printed application form you will get the initial approval

Stage 2: Application execution stage and getting the financing:

  • Upon initial approval, you will be notified by SMS 
  • The Bank branch staff will buy stocks from the market (at the market price) and then print the contract and its addendums 
  • When the you sign all the documents, the branch officer will execute a sale/transfer of shares order as agreed.

Order for sale/transfer of shares

    1. Sale: The Bank officer will sell shares after the customer signed the contract which includes a mandate to sell the shares, and the amount will be deposited in the payroll account. 
    2. Transfer: The Bank officer will request the transfer of shares from the Bank's portfolio to the customer's portfolio. (Customer must have an active portfolio to complete shares transfer option)

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