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How to Pay Bills Through SADAD in Saudi Arabia

SADAD is Saudi Arabia's national electronic bill payment system. It allows you to pay electricity, water, telecom, government fees, traffic fines, and hundreds of other bills through your bank's app, online banking, or an ATM — without visiting any office. Almost every Saudi bank supports SADAD, and it works 24/7. This guide explains how to use it.

Highlights

  • ★SADAD connects over 700 billers — electricity, water, internet, mobile, traffic fines, government fees, insurance, and more can all be paid through one system.
  • ★You can pay SADAD bills through your bank's mobile app, online banking portal, or any bank ATM — no office visit needed.
  • ★All major Saudi banks support SADAD: Al Rajhi, SNB, Riyad Bank, SABB, Alinma, and others.
  • ★You need the biller's SADAD number (or your account/Iqama number with the biller) to locate your bill — billers provide this on their invoices or apps.
  • ★Payments are processed instantly and a receipt is generated — save or screenshot the receipt as proof of payment.
  • ★SADAD is free to use — no transaction fees are charged for standard bill payments.

Who Is This For?

Residents in Saudi Arabia who need to pay regular bills — SEC electricity, NWC water, STC/Mobily/Zain telecom, traffic fines, Absher government fees — using their bank account.

Step-by-Step Process

  1. 1Open your bank's mobile app or log in to online banking (works with all major Saudi banks including Al Rajhi, SNB, Riyad Bank, SABB, Alinma).
  2. 2Navigate to 'Bill Payments' or 'SADAD Payments' — the menu name varies slightly by bank but the function is the same.
  3. 3Select the biller category: Electricity, Water, Telecom, Government, Traffic Fines, or search for your biller by name.
  4. 4Enter your account number with the biller — this is your SEC customer number, your Iqama number for government fees, your mobile number for telecom bills, or your SADAD bill reference number.
  5. 5The system retrieves your outstanding bill amount. Verify the amount and biller details before confirming.
  6. 6Confirm the payment using your bank's authentication method (OTP, fingerprint, or PIN).
  7. 7Save the payment confirmation number — this is your proof of payment. Screenshot or write it down.
  8. 8For ATM payments: insert your card → select 'Bill Payment' or 'SADAD' → follow the same steps using the ATM keypad.

Practical Tips

  • 💡For SEC electricity bills: your SEC customer number is on your electricity bill or in the SEC app. You can also search by your meter number.
  • 💡For traffic fines: select 'Traffic Violations' under government services and enter your Iqama number — all outstanding fines linked to your ID will appear.
  • 💡For Absher government fees: most Absher transactions (Iqama renewal, exit visas) prompt you to pay directly within Absher using your bank card — SADAD is for when you need to pay separately.
  • 💡Set up bill reminders in your bank app for recurring bills like electricity and internet — many Saudi bank apps allow scheduled SADAD payments.
  • 💡If a bill does not appear after entering your account number, it may mean the biller has not uploaded the bill yet — try again in a day or two before assuming there is a problem.
  • 💡STC, Mobily, and Zain bills can also be paid directly within their own apps using card payment — SADAD is an alternative if you prefer to keep all payments in one place.

Frequently Asked Questions

Which bills can I pay through SADAD?

SADAD covers electricity (SEC, MARAFIQ), water (NWC), telecoms (STC, Mobily, Zain), internet, traffic fines, Absher government fees, Jawazat fees, municipal fees (Baladiya), health insurance premiums, credit card bills, and hundreds of other billers. Search for your biller by name within the SADAD section of your bank app.

Do I need a separate SADAD account?

No. SADAD is built into your existing Saudi bank account. You do not need to register separately — just use the bill payment section of your bank's app or online banking. SADAD is the backend payment network that your bank connects to.

What if my bank does not show SADAD payments?

All licensed Saudi banks are required to support SADAD. If you cannot find it, look for 'Bill Payments', 'E-payments', or 'Government Payments' in your bank app. If still not found, call your bank's customer service — it may be in a different menu location.

How do I pay my SEC electricity bill through SADAD?

Open your bank app → Bill Payments → Electricity → SEC (Saudi Electricity Company) → enter your 10-digit SEC customer number (found on your bill or the SEC app) → the system shows your bill amount → confirm payment.

Can I pay bills at an ATM using SADAD?

Yes. All Saudi bank ATMs support SADAD payments. Insert your card, select 'Bill Payment' or 'SADAD', choose your biller, enter your account number with the biller, confirm the amount, and complete with your PIN. The ATM prints a receipt — keep it.