For most of the expats, living anywhere around the globe, savings is the only goal keeping them in foreign land, away from the comfort of their home country. At the start of month, getting the hard earned money, first thing most expats do is to transfer funds to their loved ones back home. Funds are transferred via different channels such as banking channel, money transfer services like western union, money gram and online money transfer services like Skrill and Paypal.

In KSA, expats use 2 most popular ways to send money back home, i.e. Banks and money transfer services.

• Online banking system is very easy and secured method to transfer funds from KSA to our home country. Depending on the source bank in KSA and destination bank in your country, the funds can take from minimum 1 to several days depending on different reasons. Through online banking system one can send money in just couple of minutes. The only drawback of using the banking system is that it takes days to transfer funds from KSA to home country.

• Expats living in KSA that do not have bank accounts, need to rely on different money transfer services to send money back home. Normally these services take only a few hours to transfer the funds to home country, where your loved ones can get cash from counter.

Few days ago I needed to send money urgently and I came to know about a service called “Enjaz Banking Service“. Enjaz Banking Service is the remittance arm of Bank Albilad, providing national & international money remittance services in KSA.

Enjaz Network:

Enjaz has one of the largest remittance networks with 161 center operational across KSA. To locate the nearest Enjaz center click here.

Enjaz Timings:

Enjaz centers are open 12 hours a day / 365 days a year, from 8 AM to 8 PM. On Fridays, the centers operate from 1 PM to 8 PM.

How to register for Enjaz?

1. 1. If you are using the Enjaz service for the first time you need to fill up “CIF Opening Agreement” form to register.
   2. Get the form from reception.

1. Carefully fill all the required information, i.e.
   1. Personal information: name, nationality, gender, address, mobile number, education level & job title
   2. Employer information: employer name, employer address
   3. Iqama information: Iqama number, issue / expiry date, place of issue, profession.
   4. Address in home country
   5. Passport information: passport number, place of issue, issue / expiry date, name as in passport
   6. Average monthly salary
   7. Sign the form at the front and the back

4. Submit the form at the Teller counter with your original Iqama
5. The teller will fill in all the information in the system & will make a copy of Iqama and attach to form
6. With-in minutes you will receive an SMS confirming your registration and mentioning your CIF number.
7. Save the CIF number for future transactions. If you lost the CIF number then you can give your Iqama at the counter and that will work too as Iqama is now linked with CIF.

Enjaz – CIF Opening Form

Services provided by Enjaz:

For International Remittance

1. Enjaz Easy: Enjaz Easy offers cash on counter service which is specifically designed for the expatriate community to send money to their home countries. Through this service, without the need of bank account, the beneficiary can receive cash over the counter at any correspondent bank on Enjaz Easy panel. Enjaz Easy service takes at most 2 hours to transfer the funds. The service can be availed for the following countries:

Bahrain     Bangladesh     Egypt     India     Indonesia

Nepal     Pakistan     Philippines     Srilanka     Sudan

Syria     Turkey     Yemen

• SWIFT: Using SWIFT you can send money to international bank accounts. The process is simple.
  1. Go to any Enjaz center and register, as described in section ” How to register for Enjaz?“.
  2. After registering fill up the following form with all details i.e. receiver name, IBAN number, destination country, amount & currency.
  3. Then go to Teller and hand in the SWIFT form, amount to send and original Iqama.
  4. Teller will fill in all the information and the money will be credited to the bank account with in 1 to 3 days.

• Western Union: In KSA, Western Union is partnered with Enjaz Banking Services. To send money via Western Union
  1. Go to any Enjaz center and register, as described in section ” How to register for Enjaz?“.
  2. After registering fill up the following form with all details i.e. receiver name, destination country, amount & currency.
  3. Then go to Teller and hand in the Western Union form, amount to send and original Iqama.
  4. Teller will fill in all the information and the money will be available within minutes in the destination country.

Western Union Form

Local Remittance

Enjaz offers sending money within KSA without requiring bank account. The process is simple. Visit the nearest Enjaz center, at the Teller provide the amount needs to be sent, along with your Iqama and the detail of the receiver such as, name, city, amount & contact number.

VIP Services

Enjaz has started providing VIP service to following professionals. If you are among them, then there is no need to stand in long queues, you will be prioritized and serviced by either the center manager or head teller.

• Doctors
• Engineers
• Chartered Accountant
• Architect
• Lawyers
• Airline Staff
• Managers & Supervisors

Foreign Exchange

Beside other services, Enjaz also offer foreign exchange service. If you need to convert your foreign currency, just visit the nearest Enjaz center.