Al Rajhi Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Al Rajhi Bank suits customers in Saudi Arabia who want a plain bank debit card with no monthly charge. The monthly fee is SAR 0, but the currency conversion fee of 2% and the local network make it a card for spending at home rather than abroad.
Pros and cons
Pros
- No monthly charge, since the card's monthly fee is SAR 0 for everyday account use.
- A straightforward bank debit tied to the account rather than a prepaid balance.
- Phone and email are both offered, so support runs on email and phone for cardholders.
- A long established issuer, founded in 1957, rather than a new entrant.
Cons
- The card runs on a local network, local, so acceptance sits inside Saudi Arabia.
- Currency conversion costs 2%, which makes spending abroad the expensive part.
- Support runs on email and phone only, with no in-app chat or help centre listed.
Who it suits
- Customers in Saudi Arabia who spend most weeks in Saudi Riyals and want no monthly charge.
- People who want a plain bank debit rather than a prepaid or virtual card.
- Cardholders who would rather phone or email, since support runs on email and phone.
Who should look elsewhere
- Wise readers who convert money often and need acceptance beyond a single market, given local.
- Bitpanda customers after a crypto card rather than a bank debit from a Saudi bank.
- Monzo Flex readers who want card support inside an app, since support here runs on email and phone.
How Al Rajhi Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.1Bitpanda's card carries a monthly fee of €0 and is aimed at crypto spending.
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.3
Frequently asked questions
How much is the Al Rajhi Bank card each month?+
The card's monthly fee is SAR 0, so keeping the account open adds no recurring cost. Across the cards compared here, monthly fees are usually €0 or less, so this sits in line with the norm rather than ahead of it.
What does the card charge for currency conversion?+
Currency conversion on this card costs 2%. The lowest conversion fee among the cards compared is 0%, so readers who convert often should weigh this charge first. Al Rajhi Bank ranks 151 out of 237 on this measure, so the card suits spending at home more than a trip abroad.
What kind of card is it?+
It is a debit card, debit, linked to a bank account rather than a prepaid balance. Debit cards make up most of the cards on this site at 73.4%, so this is the common setup and spending draws straight on the account.
Which network does the card run on?+
The card runs on a local network, local, so it is built for spending inside Saudi Arabia rather than abroad. Cards on a local network are a small share of the cards here, 3.3%, so most readers who travel will want a different card.
How do I contact the bank for help?+
Support runs on email and phone, so a cardholder can call or email rather than rely on in-app chat. A help centre is the most common support route across the cards here at 79.6%, and phone support follows at 44.7%.
How long has Al Rajhi Bank been running?+
Al Rajhi Bank was founded in 1957, so the card comes from a long established bank rather than a new entrant. Readers weighing stability can take the founding year as one data point alongside the SAR 0 monthly fee.
How does the card compare with Wise on fees?+
Wise lists a monthly fee of £0, the same as Al Rajhi Bank's SAR 0. The difference is the conversion charge: Al Rajhi Bank applies 2% on a local network, which suits readers who keep spending local.
Who is this card for?+
The card suits customers who spend mainly in Saudi Riyals and want no monthly charge, since the fee is SAR 0. It also suits readers who prefer phone and email, email and phone, over in-app chat and who treat the card as a home spending tool.
Sources
- alrajhibank.com.sa/en/about-alrajhi-bank checked September 26, 2026
Backs: Founded
“Founded in 1957, alrajhi bank is one of the largest banks”
- alrajhibank.com.sa/en/personal/accounts/products-and-serv... checked September 26, 2026
Backs: Card type, Currency conversion fee, Monthly fee, Card network, Support channels
“mada Card Issuance - Free of charge - mada Cards for Current Account”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Protection.
Al Rajhi Bank
A free bank debit card for everyday spending inside Saudi Arabia.