Transactions, Payments & Statements

FAQs Help Center

Making Bill Payments – Business and Corporate Cardmembers

What payment options do I have to pay my bill?

If you are a Business Cardmember, there are a number of ways to pay your bill, including via your Bank’s Online Banking, ATM, Branch and Telephone Banking channel using SADAD, Direct Debit, SARIE transfer, International transfer, by cheque or in person.

If you are a Corporate Cardmember, firstly make sure that you review and submit your expenses using your internal expense system. If you are liable to pay your bill, you can pay via your Bank’s Online Banking channel, Branch, using SADAD, by SARIE transfer, by cheque or in person.

How do I pay my bill?

There are many convenient ways to pay your American Express Card bill.

SADAD

You can make a payment quickly through your Bank’s Online Banking, ATM, Branch and Telephone Banking channel.

In Person

You may settle your account at any branch of the Saudi Investment Bank by paying in cash or by cheque. Cheques should be payable to "American Express Saudi Arabia”. Please mention your American Express Card number and your Sadad number on the front of the cheque.

Direct Debit

If you choose the direct debit option, the payment will be automatic. Please ensure that you have sufficient funds with your bank to cover your payment. If you wish to set-up direct debit as a payment option, please call our customer service number on the back of your card.

"SARIE" Bank Transfer

Pay your bill directly from your bank account through "SARIE" transfer. Please note the following details while filling the bank transfer form:

Beneficiary name: American Express Saudi Arabia
Beneficiary account number: SA 78 6500 0000 101121212009
Beneficiary's Bank: The Saudi Investment Bank
Reference: Your name and your Sadad number

International Bank transfer in USD:

If you are remitting funds in USD from a local bank located outside of Saudi Arabia, please note the following while filling the bank transfer form:

Beneficiary Bank: The Saudi Investment Bank, Saudi Arabia
Beneficiary Bank Swift Code: SIBCSARI
Beneficiary Name: American Express Saudi Arabia
Beneficiary IBAN: SA 51 6500 0000 101121212010
Reference: Your name and your Sadad number
Correspondent Bank Swift Code: CHASUS33XX or BKTRUS33XX

How do I set up Direct Debit payments on my Card?

Business Cardmembers: If you wish to set-up direct debit as a payment option, please call our customer service number on the back of your card.

Setting up Direct Debit – Corporate Card
Please contact your Relationship Manager.

How do I know how much I have to pay each month and by which date?

You can view your payment amount and due date on your monthly statement.

You can pay off the entire closing balance on, or before, the statement due date. If you have a credit card, you can choose to pay the minimum monthly amount due and pay off your balance over time at a preferred profit rate.

Statements

How do I access my transaction history and billing statements Online?

You can view your transaction history electronically through your Online Account.
You can also view a summary of your account activity on the Amex Mobile App.

For older statements:

Business Cardmembers: Please call customer service at the number on the back of your card.
Corporate Cardmembers: Please contact your Relationship Manager.

How often can I expect to receive a statement?

Statements are issued online every month. You will receive an email notification when your statement has been issued.

What do the different amounts on my Credit Card statement mean?

Your statement shows important information about your Account, including:

Previous Balance – This is the amount brought forward from your last statement period.
New Credits – These are transactions for the statement period credited to your Card account.
New Debits – These are transactions for the statement period charged to your Card account.
Minimum Payment Due – This is the minimum amount you need to pay by the due date (for credit cards).
Payment Due Date: This is the date by when you have to make the payment
Current Balance – This is the amount you owe on your Card to date.
Credit Limit – This is the total amount available for use on your Card.
Available Credit – This is the portion of your Card’s overall limit that’s still available for spending.

Pending Transaction

What should I do if I don’t recognize a Pending Transaction?

There are some instances in which a Pending Transaction will appear under a trading name that’s different to the retailer’s name where you made your purchase. For example:

A clothing store that is part of a wider retail chain
A restaurant that is attached to a hotel
A company that uses their central billing office

Therefore, always check the charge amount and see if it matches any of your receipts. If you still don’t recognize the Merchant name, please wait until the transaction appears on a billing statement – then you can lodge a billing inquiry through your Online Account.

Why did a hotel charge me before my stay?

Instead of taking a deposit, most hotels process a pre-authorized fixed amount to your nominated Card (usually at check-in). This amount won’t be billed to your Account and is usually reversed when you check out.

If a charge is billed to your Account, it should be automatically removed from your Card within 10 working days. However, if you have any concerns, contact the hotel directly.

Why is my transaction in both ‘Pending Transactions’ and ‘Recent Transactions’?

Certain Merchants, such as hotels, car rental agencies, and petrol stations, will often pre-authorize your Card for an amount to ensure that funds are available. Once the transaction is successfully billed to your Account, the pre-authorization will drop off within 10 business days. This means there may be a crossover period where the transaction appears in two places in your Account.

Why has a Merchant charged me SR.1 (e.g. Uber)?

Some Merchants use this as a security measure to protect their customers. They may contact us to confirm that your Card is valid and not lost or stolen – and this is achieved by processing a SR.1 authorization charge. Please be assured that Merchants do not actually proceed with the charge, and it will not appear on your statement.

Disputing a Transaction

Can I dispute a transaction that appears in my recent activity?

Yes, if you think you have been charged incorrectly you can raise a billing inquiry. To lodge a billing inquiry follow the steps below:

Log in to your Online Account
Go to “Customer Service”
Select “Report Fraud / Billing Dispute”

You can also call us at the number on the back of your card.

Can I dispute a Pending Transaction?

As Pending Transactions have not been charged to your Account yet and the amount could change, you’ll need to wait for the charge to finalize before opening a billing inquiry. Once the charge has been finalized you can lodge a billing inquiry.

How do I find out the status of my billing inquiry?

You can call us at the number on the back of your card.

Mobile Payments

How do I pay with my mobile device?

To make payments with your mobile device, you’ll first need to link your American Express Card to your particular device’s mobile wallet app i.e. Apple Pay.

Once linked, you’ll be able to pay with your mobile anywhere you see a contactless payments symbol.

Is using my mobile to make payments secure?

Yes, using your mobile is a safe and secure way to pay. This is because:

You authorize each payment, using either a passcode or biometric scan.
Your Card details aren’t saved to your phone. Your device is instead given a unique token identifier that is sent to the Merchant, which American Express authenticates as being linked to your Account.
Only American Express can see your Card details.