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Future Account
The Future Account is a saving plan account in accordance with Islamic Sharia in which the customer sets a monthly amount automatically deducted from the customer's current account, and the system calculates the expected profits based on the savings period.
Account Benefits

Earn 1,000 mokafaa Points when you open your future account through alrajhi bank app

Achieving savings goals with the flexibility of setting duration, amount of deduction and obtaining expected profits in accordance with Islamic Sharia.

Automatic savings where monthly payments are deducted on specified dates by the customer.

Competitive profit rates

Fully digitalized account that is opened and managed through the Al Rajhi Bank app.

The possibility of creating or cancelling saving accounts at any time without fees

If the amount is not available in the account on the date of the monthly payment deduction, the customer can add a balance to the future savings account at a later date
Eligibility and Criteria:

Existing current account with Al Rajhi bank

Approve the Terms & Conditions

No Fees in creating/cancelling the account
Illustrative Examples:
Saving Type | Monthly deduction | Duration | AER* | Value of expected profit by end of period | Total savings plus expected profit | Profit Sharing Rate | |
---|---|---|---|---|---|---|---|
Short Term | SAR 1,500 | 12 Months | 2.23% | SAR 218 | SAR 18,218 | 60% | |
Long Term | SAR 1,000 | 60 Months | 4.77% | SAR 7,756 | SAR 67,756 |
AER: is an Annual Equivalent Rate, is a figure which shows what the profit rate on an account would be if profit was paid for a full year and compounded.
*AER may differ depending on the period different form the above example. which is changeable and non-fixed return that is regularly announced to customers on the bank's eChannel’s.
You can open account easily through


alrajhi bank app
You can also apply through the following channels

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Tenor | Minimum Monthly Deposit in SAR | Maximum Monthly Deposit in SAR | Minimum Subscription in Months | Maximum Subscription in Months |
---|---|---|---|---|
Short Term | 100 | 10,000 | 6 | 12 |
Long Term | 300 | 10,000 | 13 | 60 |