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Saudis and expatriates who are involved in some kind of default in making the payment back to financial institutions want to know how to check if you are blacklisted in SAMA. This is especially the case where people have taken loans from banks as I have received many queries regarding Al Rajhi bank personal loan for the blacklist.
Why does SAMA blacklist people?
SAMA is the Saudi Arabian Monitory Agency which performs the function of a State Bank in Saudi Arabia. There are only 4 reasons SAMA takes an action to blacklist an expatriate or a Saudi which we have detailed below;
- In case of default in making the repayment of a loan. For example, if you have not repaid Al Rajhi Bank personal loan on time and the bank complaints against you, the SAMA will blacklist you.
- Abnormal activity in your bank account e.g. an extremely large amount of transfer to or from your bank account. There have been many cases where people are blacklisted by SAMA on making transactions on behalf of someone else through their bank accounts.
- On a decision of the court, the SAMA is responsible to blacklist people. Recommended: How to check if you have a court case in Saudi Arabia?
- In case anyone is involved in terrorist activity and the government instructs the SAMA to blacklist him.
How to check if you are blacklisted in SAMA?
There is a simple way to check if you are blacklisted by SAMA. If you have a bank account, try to transfer some money to another account, the completion of the transaction would prove that you are not blacklisted by SAMA.
If you want to fully ensure your blacklisting status, try to transfer some money from your account to out of Saudi Arabia as sometimes SAMA blacklists people to transfer money abroad.
However, if you are already out of Saudi Arabia, there is no way to check if you are blacklisted by SAMA. In fact, it does not matter to you much as in that case SAMA blacklisting will lead to Jawazat blacklisting. We have already shared a detailed article on this concept here. Recommended: How to check if you are blacklisted in Saudi Arabia?