new resident
·9 min read
·Updated 13 May 2026
Moving to Saudi Arabia — Complete Expat Relocation Guide
Moving to Saudi Arabia for work is a significant life change. The good news: the process is well-established, thousands of expats relocate successfully every year, and the financial rewards — zero income tax, housing allowances, and generous packages — are substantial. This guide covers everything you need to do before you leave home, in your first week, and in your first month to get properly settled.
Highlights
- ★Saudi Arabia has zero personal income tax — your entire gross salary is what you take home, which is the primary financial draw for most expats.
- ★Most employer packages include housing allowance (or employer-provided accommodation), annual flights home, and private health insurance.
- ★The Iqama (residency permit) is processed by your employer after you arrive — you typically receive it within 30–90 days of landing.
- ★You need a Saudi SIM card registered under your Iqama before you can use Absher, open a bank account, or access any government service.
- ★Riyadh, Jeddah, and the Eastern Province (Al Khobar/Dammam) each have large, well-established expat communities — you will not be starting from scratch.
- ★Arabic is not required for daily life in most professional expat roles — English is widely spoken in cities and in the private sector.
Before You Book Your Flight
Who Is This For?
Anyone who has accepted a job offer in Saudi Arabia and is preparing to relocate — whether you are moving in 2 weeks or 2 months.
Step-by-Step Process
- 1Confirm your employment contract details before anything else — verify the basic salary (not total package), housing allowance amount or whether accommodation is provided, annual leave days, flights entitlement (economy or business, frequency), health insurance coverage and whether it covers dependents, end-of-service gratuity terms, and your Iqama and dependent sponsorship arrangements. Get everything in writing — verbal promises are difficult to enforce under Saudi labour law.
- 2Get your documents attested before leaving home — educational certificates (your university degree plus any professional qualifications), and if bringing family, your marriage certificate and children's birth certificates. The attestation chain is: your home country's Ministry of Foreign Affairs → the Saudi Embassy or Consulate in your country. For some nationalities, an apostille replaces the home MFA step. This process takes 2–6 weeks and cannot be done from inside Saudi Arabia, so start immediately.
- 3Notify your home country bank and financial institutions — inform your bank of your planned move so your cards are not blocked. Consider opening a multi-currency account (Wise, Revolut) for the transition period before your Saudi account is ready. Cancel or pause subscriptions that won't work internationally. If you have a mortgage or property, arrange for management.
- 4Pack for a long stay from day one — most expats arrive without their household goods and wait months for a shipping container. Pack at least 3–6 months of essential medication (with prescriptions), professional clothing suitable for a conservative business environment, and personal items that are harder to find in Saudi Arabia (specialty foods, specific brands). Electronics, clothing, and furniture are widely available in Saudi Arabia.
- 5Arrive with your documents ready — carry in your hand luggage: original passport (valid 6+ months beyond your visa), your Saudi work visa (in the passport), original attested certificates, 6–10 passport-sized photos, and a copy of your employment contract. Your employer's PRO (Public Relations Officer) will typically meet you at the airport or guide you through arrival.
- 6Get a Saudi SIM card on the day you arrive — operator kiosks (STC, Mobily, Zain) are in all major airport arrivals halls. STC has the widest coverage and is the default recommendation. A SAR 75–100 prepaid plan gives you unlimited local calls and 30–50GB of data. If your Iqama is not yet issued, most operators allow temporary passport-based registration — re-register under your Iqama as soon as it arrives. See the SIM card guide for details.
- 7Create your Absher account as soon as your SIM is active and registered under your Iqama — Absher (absher.sa) is the Saudi government portal for Iqama management, visas, traffic fines, and dozens of other services. You need your Iqama number and your Saudi mobile number to register. Without Absher, you cannot manage your own residency. See the Absher account guide for step-by-step instructions.
- 8Register your National Address within your first 2 weeks — your national address is a formal registered address required for Iqama renewal, bank account setup, and physical mail. Register online at splonline.com.sa. You need your Iqama and the building number of your accommodation. See the national address guide for details.
- 9Open a Saudi bank account once your Iqama is issued — your employer will need your Saudi IBAN (bank account number) to pay your salary through the government's Wage Protection System. Al Rajhi Bank is the most practical choice for most expats (largest ATM network, solid English app). SABB is best if you want the most Western-friendly experience. Bring your Iqama and passport to any branch. See the best banks guide for comparisons.
- 10Find accommodation within your first month — if your employer does not provide housing directly, you will need to find an apartment or villa. Most expats rent in compounds (Eastern Province) or in expat-popular neighbourhoods (Riyadh: Al Olaya, Al Malqa; Jeddah: Al Hamra, Al Rawdah). Annual rent is typically paid upfront by bank transfer or cheque. You must register your tenancy on the Ejar platform. See the renting guide for full details.
Common Mistakes to Avoid
- ✗Leaving before getting your Iqama — once your employer starts the Iqama process, leaving Saudi Arabia can interrupt or void the application. Confirm with your employer before any travel.
- ✗Not getting documents attested before leaving home — attestation cannot be done inside Saudi Arabia. If you arrive without attested certificates, bringing your family will be significantly delayed.
- ✗Assuming your home country driving licence is automatically valid — it depends on your nationality. Some licences require conversion within 3 months, others are not eligible for direct conversion. Check before you arrive.
- ✗Relying solely on your employer for information about your rights — understand Saudi Labour Law independently. Your annual leave entitlement, end-of-service gratuity, and notice period rights are legally protected regardless of what your employer tells you.
- ✗Not clarifying housing before arrival — some employers promise housing but the process takes weeks. Have a budget plan for a hotel or serviced apartment for the first 2–4 weeks if needed.
- ✗Underestimating the setup period — banking, Absher, National Address, and accommodation can realistically take 4–8 weeks to fully complete. Budget accordingly and do not arrive with less than 2 weeks of cash reserves.
Timing & Fees
Iqama issuance: 30–90 days after arrival (employer handles). Absher registration: free, instant once Iqama is issued. Bank account: free to open, 1–3 business days for the account to activate. National Address registration: free. SIM card: SAR 10–50 starter pack + SAR 50–200/month plan. First month total setup costs (excluding rent): SAR 500–1,500. Apartment deposit: typically 1 month's rent (SAR 2,000–5,000+).
Practical Tips
- 💡Join expat Facebook and WhatsApp groups for your city before you arrive — 'Expats in Riyadh', 'Jeddah Expat Community', 'Expats in Eastern Province'. These groups are invaluable for practical advice, apartment recommendations, and social connections.
- 💡The weather in Saudi Arabia is extreme from May to September — plan accordingly if you are arriving in summer. Air conditioning is universal indoors but outdoor activities are limited. October to April is genuinely pleasant.
- 💡Friday is the weekend day in Saudi Arabia (the working week is Sunday to Thursday in most private sector companies, though some have shifted to Monday–Friday). Government offices are closed on Fridays and Saturdays.
- 💡Alcohol is completely prohibited in Saudi Arabia — there are no exceptions. This is one of the most significant lifestyle adjustments for many Western expats.
- 💡Your employer's PRO (Public Relations Officer) is your key contact for all government paperwork — Iqama, work permit, exit visas. Build a good relationship with them early.
- 💡Understand your exit re-entry visa requirements — depending on your visa type, you may need your employer's approval to leave Saudi Arabia. This is a key provision of the sponsorship system that all expats should understand before their first international trip. See the exit re-entry visa guide.
Frequently Asked Questions
How long does it take to get settled after arriving in Saudi Arabia?
Realistically, 6–8 weeks for the core setup: Iqama (30–90 days), Absher account (day one after Iqama), bank account (1–2 weeks after Iqama), National Address (first week), and accommodation (varies). Plan financially for 2 months before everything is running smoothly.
Is Saudi Arabia safe for expats?
Yes — Saudi Arabia has a low crime rate and is generally very safe for expatriates. Violent crime against foreigners is rare. The main safety considerations are road traffic (drive carefully — road accidents are the leading cause of expat incidents) and extreme heat during summer months.
Do I need to speak Arabic?
Not for most professional and daily life situations. English is widely spoken in cities, in the private sector, and at most government service centres that deal with expats. That said, learning basic Arabic phrases is appreciated and useful for taxis, local markets, and building rapport with colleagues.
What is the tax situation for expats in Saudi Arabia?
Saudi Arabia does not levy personal income tax on individuals. Your gross salary is your take-home salary. However, if you remain a tax resident in your home country (e.g., a US citizen, or a UK resident who doesn't meet the non-residency tests), you may still have tax obligations at home. Consult a tax adviser in your home country before you leave.
Can my spouse work in Saudi Arabia?
Yes — since the 2021 Kafala reforms, a spouse on a dependent Iqama can transfer their sponsorship to a Saudi employer and get an independent work permit through Qiwa. The new employer initiates the transfer. This is a significant change from the old system where dependent status was more restrictive.
What should I know about Ramadan as an expat?
During Ramadan, working hours are reduced by 2 hours per day by law. Eating, drinking, and smoking in public during daylight hours is prohibited — this applies to non-Muslims as well. Restaurants and cafes are closed during the day and very busy after Iftar (sunset). Ramadan is also a time of community and generosity — most expats find it a fascinating cultural experience.
How does health insurance work?
Private health insurance is mandatory for all expat workers and their dependents under Saudi law — your employer is legally required to provide it. Confirm with your employer's HR that your policy is active and that you understand which hospitals and clinics are covered. The Council of Cooperative Health Insurance (CCHI) oversees all policies.