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Digital Bank · Business
🔒 Secured & regulated by SAMA
Digital Bank · Business

Complete a few simple steps to open your corporate account.

🔒 Secured & regulated by SAMA
🌐 عربي
Welcome to

Backbase Digital Bank

Manage your business accounts with secure, easy-to-use digital banking.

It’s quick and easy

Opening a business account takes about five minutes on your phone.

  • No branch visit, no paperwork, no appointment
  • Your details come from Nafath and Wathq, so there is very little to type
  • Progress saves as you go — stop and pick it up later

It’s safe and secure

A regulated bank account, opened with the same identity you already trust.

  • Nafath verifies it is really you — the same login you use for government services
  • Everything you send is encrypted, and shared only with the registries that verify you
  • Licensed and supervised by SAMA, the Saudi Central Bank
‹

Welcome back

Sign in to your Backbase business account.

National ID / Iqama or User ID
Enter your ID
Password
••••••••

Forgot password?

This prototype focuses on the new-customer onboarding journey. Tap below to start it.
‹

What best describes you?

We tailor the required checks and documents to your legal entity type.

Freelancer

Working under an HRSD / Absher freelance certificate — no CR.

Establishment

Sole proprietorship — CR-registered, individually owned.

SME / Micro-enterprise

Corporate form — CR entity with partners & appointed managers.

ℹ️

What you’ll need

💡Nothing to upload — we read these straight from the government registries once you verify your identity.

Application process

Follow these steps to complete your application.

🧭Tip: tap the ☰ menu at the top-right any time to see which step you're on.
‹

Verify your identity

Choose how you'd like to confirm your identity. Both routes are SAMA-approved — pick whichever suits you.

Nafath — national identity

Biometric / app approval. Auto-fills your details from the national record.

RECOMMENDED

Mobile OTP

Verify with a one-time code sent by SMS to your registered mobile.

🔀Both routes are enabled. After successful verification, you'll continue to capture the required details.
Nafath نفاذ

National Single Sign-On. Enter your ID number and press login — you'll approve the request in your Nafath app.

National ID / Iqama number
Demo sample: 1098765432 tap to fill
🔒Used by 150+ Saudi banks & government services. Reduces identity verification from ~5 days to ~15 minutes.

Open your Nafath app and select this number

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NAFATH APP · incoming request

Tap the number that matches the one shown above. You have 60 seconds.

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Enter your Nafath PIN

The 6-digit code you created in the Nafath app.

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Verifying with Nafath…

Identity verified

Nafath confirmed your national identity & liveness.

UAE PASS الهوية الرقمية

The UAE national digital identity. Enter your Emirates ID and approve the request in your UAE PASS app.

Emirates ID number *
Demo sample: 784-1992-1234567-1 tap to fill
🔒You'll be asked to consent before your details and Emirates ID are shared with the bank.
UAE PASSالهوية الرقمية

Enter PIN

Please enter your UAE PASS PIN

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Identity verified

UAE PASS confirmed your identity. Your Emirates ID and passport were shared with your consent.

Confirm your details

We've fetched these from Nafath. Please review before continuing.

✓ Retrieved via Nafath e-KYC
ℹ️Your email will be your User ID for login.
‹

Enter your mobile number

We'll send a one-time SMS code to verify it.

Mobile number
🇸🇦+966
Demo sample: 53 425 9008 tap to fill
📩 An SMS OTP will be sent — SAMA requires customer notification from the first touchpoint.
‹

Type the 6-digit code we sent

Enter the code sent to

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Didn't get it? Resend code

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OTP Verified Successfully!

Your mobile number is verified.

Let's get to know you better

Review and complete your contact details for the account.

Full name (as per National ID) *
Mobile number *
🇸🇦+966
✓
Email ID *
National ID / Iqama *
✓ Identity verified. Your email will be your User ID for login.

Demo sample: tap to fill
⚡

Licensing authority *
*
Demo sample: tap to fill
Documents

Use demo documents

📄We read the licence details from your document — you'll review and confirm everything on the next screen.

Your business details

Auto-filled from Wathq. Review and confirm.

✓ Retrieved via Wathq · Ministry of Commerce

Owners & signatories

Pulled from Wathq's partners & managers. Confirm the signatory authority.

Signatory authority *

Sole signatory

You alone can authorize transactions.

Joint signatories

Two or more partners must approve together.

Your key contacts

Who we speak to about the account day to day. Both roles are required for corporate KYC.

CEO / General Manager
The authorized representative of the business
Full name *
Work phone *
+966
Work email *
CFO / Finance Manager
Handles statements, limits and reconciliation
Same person as the CEO
Full name *
Work phone *
+966
Work email *
👥We only contact these people about this account. Change them any time from your business profile.

Tax & PEP declarations

Four regulated questions. Answer them for yourself as the authorized person.

FATCA / CRS · SAMA AML-CTF
Is the business tax-resident in Saudi Arabia only?
Answer "No" if it is registered for tax in any other country.
Are you a U.S. person for tax purposes?
U.S. citizen, green-card holder, or U.S. tax resident. Reportable under FATCA.
Are you a Politically Exposed Person (PEP)?
You hold, or held in the last 12 months, a prominent public position.
Are you a close associate or family member of a PEP?
Immediate family, business partner, or joint account holder.

Financial & risk disclosures

Required for SAMA AML/CTF compliance.

Source of funds *
Expected monthly transaction volume *
Purpose of account *
🛡️Screened against AML/CTF sanctions lists. A ZATCA VAT-status & GOSI payroll cross-check runs in the background where applicable.

Add your financial info

Helps us set the right limits for your account.

Annual turnover
SAR
Do you carry out cash transactions?
Average monthly cash deposit
SAR
Average monthly cash withdrawal
SAR
Inward & outward remittances?
Average monthly inward remittance
SAR

Pick the services you need

Your Current Account in SAR is set up automatically. Add any services you'd like.

Monthly statements
PDF statement to your email
SMS alerts
SAMA-mandated transaction notifications
Cheque book
First book issued free
Mada debit card
Business debit card with controlled activation
Online & mobile banking
Full corporate banking access
POS terminal
Accept card payments in-store

Confirm identity

+966 800 124 0000
Skip for now

Verify it’s you

A quick face check matches you to your Emirates ID. It takes about ten seconds.

  • Face detected
  • Liveness confirmed
  • Matched to your Emirates ID
🔒Only the result is kept — your camera image never leaves this device. Face matching by EFR (Emirates Face Recognition).

Review your application

Check everything below before you sign. Use the ☰ menu to go back and change anything.

Terms & consent

Please review and agree before signing.

Sign your application

Your documents are ready in DocuSign. Review and sign them in a few taps.

🔏Signed with DocuSign eSignature. A completed copy is emailed to you and to every signer.

One last confirmation

SAMA requires an out-of-band confirmation for enterprise accounts. Our call-centre will call to confirm your request.

Confirmation channel
Call centre · +966 8001240000
Scheduled
Preferred time
📞Please keep your registered mobile reachable. Verified transactions require the confirmation call to complete before activation.

Thank you!

Application status
Submitted & identity verified
Nafath / OTP + Wathq complete · SMS sent
Out-of-band confirmation call
Call-centre will confirm your request today
Back-office review & approval
Within the SAMA account-opening window
Card & service activation
Secure in-app Mada card activation
Choose a call time
Where is your business registered?
We tailor identity, registry and account checks to the country.
🇸🇦

Saudi Arabia

Nafath · Wathq · SAMA · SAR

🇦🇪

United Arab Emirates

UAE PASS · Trade licence · CBUAE · AED