# Saudi National Bank (SNB)

> Source: https://docs.barcoder.ai/docs/wallets/saudi-national-bank
> research date 2026-05-29 · extracted at 2026-10-03
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Saudi National Bank — official](https://www.alahli.com/)

## Overview

**Saudi National Bank (SNB)** is **Saudi Arabia's largest bank by assets** <sup>[1][1], [2][2], [Saudi Arabia report](https://docs.barcoder.ai/docs/payments/SA)</sup>. **SNB QuickPay** = SNB's flagship remittance + money-transfer app (9-language support; 24/7 availability).

**SNB historic post-2021 mega-merger context** <sup>[3][3]</sup>: **April 1, 2021 — NCB (National Commercial Bank) + Samba Financial Group merged to form Saudi National Bank (SNB)** — distinctive Saudi mega-bank consolidation creating the **largest Saudi bank by assets**.

**SNB QuickPay features** <sup>[2][2]</sup>:
- **9-language support** (Arabic + English + Filipino + Urdu + Hindi + Bengali + Indonesian + Sinhala + Malayalam)
- **24/7 availability** — 7 days/week any time of day
- **International remittance focus** — Saudi expat-worker remittance corridors

**SNB Mobile** <sup>[4][4]</sup>: SNB's flagship retail mobile-banking app — comprehensive Saudi banking + SNB ecosystem access.

**Latest SNB QuickPay version 7.0.20 (December 9, 2025)** <sup>[1][1]</sup>: Continuous app updates.

## History

**1953 — National Commercial Bank (NCB) founded** as Saudi Arabia's first commercial bank <sup>[3][3]</sup>.

**1980 — Samba Financial Group founded** as Saudi American Bank.

**April 1, 2021 — NCB + Samba mega-merger** <sup>[3][3]</sup>: Saudi National Bank (SNB) formed = SA's largest bank by assets.

**SNB QuickPay launches** as remittance + money-transfer app.

**2025 — SNB QuickPay v7.0.18 (May 2025) + v7.0.20 (Dec 9, 2025)** <sup>[1][1]</sup>.

## Ownership & operator

**Operating entity**: **Saudi National Bank (SNB)** (Tadawul: 1180; post-2021 NCB + Samba merger).

**Major shareholders**: **PIF (Saudi Public Investment Fund; sovereign wealth fund; largest shareholder)** + **PPA + GOSI + Tadawul public float**.

**Regulators**: **SAMA (Saudi Central Bank)**.

## Technical integration

| Layer | Description |
|---|---|
| **Channels** | SNB Mobile app (iOS + Android) + SNB QuickPay (iOS + Android; international remittance focus) + SNB cards + SNB branch network + SNB ATMs + SNB Phone Banking + SNB Online |
| **Identifiers** | Phone + email + card number + Saudi ID |
| **SA rails** | **[Mada](https://docs.barcoder.ai/docs/standards/mada) + [SARIE](https://docs.barcoder.ai/docs/standards/sarie)** (Saudi national debit + instant payments) |
| **License** | Bank (SNB full Saudi banking license; SA's largest by assets) |
| **Sub-products** | SNB Account + SNB Cards + SNB Credit + SNB Investments + SNB Insurance + SNB for Business + SNB Mobile + SNB QuickPay (remittance) + SNB Phone Banking + SNB Online |
| **9-language support (SNB QuickPay)**: Arabic + English + Filipino + Urdu + Hindi + Bengali + Indonesian + Sinhala + Malayalam |

## Users & growth

**2025 baseline** <sup>[1][1], [3][3]</sup>:
- **SA's largest bank by assets** (post-April 1, 2021 NCB + Samba merger)
- **Multi-country presence**: SA primary + UAE + Bahrain + Singapore + Korea + Turkey
- **SNB QuickPay**: 9 languages + 24/7 availability + continuous app updates (v7.0.20 Dec 9, 2025)
- **Specific SNB Mobile + SNB QuickPay 2025 user numbers**: not publicly disclosed in current sources

## Use cases

Saudi + multi-country retail + corporate banking via SNB Mobile; SNB QuickPay international remittance + money-transfer (9-language Saudi expat-worker focus); Mada + SARIE Saudi national rails; SNB Investments + Insurance + Business + Phone Banking + Online.

## Implementations & partners

**Operator**: **Saudi National Bank (SNB; Tadawul: 1180)** — SA's largest bank by assets (post-Apr 1 2021 NCB + Samba merger).

**Major shareholders**: **PIF (Saudi Public Investment Fund; largest) + PPA + GOSI + Tadawul public float**.

**Major Saudi banking competitors**:
- **[Al Rajhi Bank](https://docs.barcoder.ai/docs/wallets/al-rajhi-bank)** (World's largest Islamic bank by market cap + ME's largest retail bank; 18.5M+ customers; 2025 net income SAR 24,792M)
- **[Riyad Bank + Riyad Mobile](https://docs.barcoder.ai/docs/wallets/riyad-bank)** (Riyad Bank; SA major bank)
- **[STC Pay](https://docs.barcoder.ai/docs/standards/stc-pay)** (Batch 8 covered; STC Pay / STC Bank)
- **[Hala](https://docs.barcoder.ai/docs/wallets/hala)** (Batch 13 covered; Saudi SME comprehensive)
- **Banque Saudi Fransi + Arab National Bank + Saudi Investment Bank + Bank AlBilad + Bank AlJazira + Alinma Bank**

**Regulator**: **SAMA**.

## Fun facts

- **Saudi Arabia's largest bank by assets** (post-April 1, 2021 NCB + Samba mega-merger).
- **National Commercial Bank (NCB) founded 1953 as SA's first commercial bank**.
- **Samba Financial Group founded 1980 as Saudi American Bank**.
- **April 1, 2021 — NCB + Samba merger formed Saudi National Bank (SNB)** — distinctive Saudi mega-bank consolidation.
- **SNB QuickPay 9-language support** (Arabic + English + Filipino + Urdu + Hindi + Bengali + Indonesian + Sinhala + Malayalam) — Saudi expat-worker remittance focus.
- **PIF (Saudi Public Investment Fund) largest shareholder** — Saudi sovereign-wealth-fund parent stake.
- **Multi-country**: SA + UAE + Bahrain + Singapore + Korea + Turkey.
- **Latest SNB QuickPay v7.0.20 Dec 9, 2025**.

## Comparison

| Feature | SNB Mobile + SNB QuickPay | [Al Rajhi Bank](https://docs.barcoder.ai/docs/wallets/al-rajhi-bank) (World's largest Islamic bank by market cap rival) | [Riyad Bank + Riyad Mobile](https://docs.barcoder.ai/docs/wallets/riyad-bank) (SA major bank rival) | [STC Pay](https://docs.barcoder.ai/docs/standards/stc-pay) (Batch 8; SA telco-bank rival) | [Hala](https://docs.barcoder.ai/docs/wallets/hala) (Batch 13; SA SME comprehensive comparable) |
|---|---|---|---|---|---|
| Operator | **Saudi National Bank (SNB; Tadawul: 1180; PIF largest + PPA + GOSI + public float; post-Apr 1 2021 NCB + Samba mega-merger)** | Al Rajhi Banking and Investment Corporation (Tadawul: 1120; Al Rajhi family + PIF + institutional) | Riyad Bank | STC Pay (STC Bank subsidiary) | Hala (TPG + Sanabil $157M Sep 2025) |
| Type | **SA's largest bank by assets + SNB Mobile + SNB QuickPay remittance (9-language)** | World's largest Islamic bank by market cap + comprehensive Islamic banking mobile experience | SA major bank + Riyad Mobile | SA telco-bank wallet | Saudi SME comprehensive financial infrastructure |
| Country | SA + UAE + BH + SG + KR + TR | SA + KW + JO + MY | SA primary | SA primary | Saudi + UAE |
| Distinctive | **PIF largest shareholder; Apr 1 2021 NCB + Samba mega-merger; SNB QuickPay 9-language remittance; 24/7 availability; Dec 9 2025 latest app version v7.0.20** | World's largest Islamic bank by market cap; 18.5M+ customers; 2024 1B+ app logins; 2025 net income SAR 24,792M; full Shariah compliance | SA major bank; Riyad Mobile + Riyad Online | Saudi telco-bank | Sep 2025 $157M Series B (TPG + Sanabil/Saudi PIF) |

## Status

**Active, Saudi Arabia's largest bank by assets (post-Apr 1, 2021 NCB + Samba mega-merger)** <sup>[1][1], [3][3]</sup>:
- **Saudi National Bank (SNB; Tadawul: 1180)** since 1953 (as NCB; post-Apr 1, 2021 NCB + Samba merger).
- **SA's largest bank by assets**.
- **SNB QuickPay**: 9-language support + 24/7 availability + remittance + money-transfer focus; v7.0.20 (Dec 9, 2025).
- **PIF (Saudi sovereign wealth fund) largest shareholder**.
- **Multi-country**: SA + UAE + Bahrain + Singapore + Korea + Turkey.
- **SAMA regulated**.

## Sources

[1]: https://snb-quickpay.soft112.com/ "SNB QuickPay v7.0.20 Dec 9 2025 — Soft112"
[2]: https://www.alahli.com/en/pages/personal-banking/finance/quick-pay "SNB Quick Pay — Saudi National Bank"
[3]: https://www.alahli.com/en/pages/promotions/international-transfer-with-quick-pay "International transfer with Quick Pay — Saudi National Bank"
[4]: https://apps.apple.com/sa/app/snb-quickpay/id1471651922 "SNB QuickPay — App Store"
[sa-cro]: https://docs.barcoder.ai/docs/payments/SA

- [1] [SNB QuickPay v7.0.20 Dec 9 2025 — Soft112][1]
- [2] [SNB Quick Pay — Saudi National Bank][2]
- [3] [International transfer with Quick Pay — Saudi National Bank][3]
- [4] [SNB QuickPay — App Store][4]
- <sup>[Saudi Arabia report](https://docs.barcoder.ai/docs/payments/SA)</sup> In-corpus: `reports/countries/SA-saudi-arabia.md`

## Source

Biography extracted from [saudi-national-bank.md](https://docs.barcoder.ai/source/wallets/saudi-national-bank). See `matrix.md` for standards-support matrix if present.