How to withdraw money from a frozen account?

You can withdraw money from a Saudi bank account frozen because Iqama has expired, suspicious transactions, or issuance of final exit with this process.

Withdraw money if Iqama is Expired

The major reason for freezing bank accounts in Saudi Arabia is the Iqama expiry. In this case, you can either;

Withdraw money if Iqama is Expired

We have already explained the process of updating the bank after Iqama renewal. In case, you manage to get a final exit, you will have to visit the branch to withdraw money from your bank account. 

  • Visit the nearest bank.
  • Take a “customer services” token from the machine and wait for your turn. 
  • Explain the purpose of your visit to the officer. He will take your final exit paper, make a copy of it, get a print of the KYC freeze account form, and ask you to sign it.
  • Soon, he will come up with a smile to tell you that now you can withdraw money from your frozen bank account.
  • In order to confirm that your account is active now, you can go to any ATM machine and withdraw funds.

Account frozen due to commercial activity

The second major reason banks freeze an individual account in Saudi Arabia is due to suspicious commercial activity. It means that the bank thinks that you are running an unregistered business apart from working on a job.

It normally happens when the volume of transactions in your bank account exceeds your monthly salary amount for several months. 

The bank normally sends you an SMS 30 days before freezing the bank account so you can withdraw money from it within this period.

عزيزنا العميل نأمل منكم تحديث بياناتكم المالية لحسابكم الجاري من خلال تطبيق الأهلي موبايل او الأهلي اون لاين او زيارة اقرب فرع وذلك خلال مدة أقصاها 30 يوما لضمان استمرار خدمتكم على أكمل وجه وتفاديا لتجميد حسابكم
عزيزنا العميل نأمل منكم تحديث بياناتكم المالية لحسابكم الجاري من خلال تطبيق الأهلي موبايل او الأهلي اون لاين او زيارة اقرب فرع وذلك خلال مدة أقصاها 30 يوما لضمان استمرار خدمتكم على أكمل وجه وتفاديا لتجميد حسابكم

Normally, these accounts are activated if you provide the bank with your salary letter and a reasonable justification for those transactions.

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Steve has been living in Saudi Arabia since 2013 and writing about Saudi rules, regulations, guides, and procedures since then.