Accounts & headline costs
Sections ↑Al Rajhi Capital is a Saudi capital-market institution offering local, Gulf and international brokerage through electronic, mobile, telephone and automated channels. It also provides funds, IPO access and Murabaha share financing. A complete account comparison must separate cash brokerage from financed positions and must use the actual market schedule: the public English pages reviewed did not provide one complete current retail commission table for every market.[1][2][3]
Account comparison01
Main brokerage routes
| Route | Published use | Condition |
|---|---|---|
| Saudi local shares | Cash-market and eligible Nomu/rights/ETF activity | Saudi Exchange, account and current commission/tax rules apply.Source 4Source 3 |
| Gulf and international markets | Direct online and broker-supported access to more than 37 markets | Market, currency, custody and local charges differ.Source 1Source 5 |
| Murabaha financing | Shariah-compliant deferred-payment purchasing of eligible local shares | Credit approval, collateral, financing cost and forced-sale controls are separate from cash brokerage.Source 7Source 3 |
| Investment funds / IPOs | Fund subscriptions from SAR 10 and supported primary-market services | Fund terms and allocation rules are separate from stock commission.Source 1Source 3 |
Broker essentials02
Company and licence essentials
| Measure | Value | Context |
|---|---|---|
| Legal company | Al Rajhi Capital Company | Saudi Closed Joint Stock Company with paid capital of SAR 500 million under the company profile.Source 2 |
| CMA licence | 07068-37 | Company says licence dated 19 June 2007 and operations began 18 March 2008.Source 2 |
| Permissions | Dealing, managing, arranging, advising and custody as published | Each activity remains subject to the actual authorisation and customer agreement.Source 2 |
| Current online scope | Saudi market plus more than 37 international markets | Instrument and jurisdiction eligibility remain market-specific.Source 1Source 5 |
Products & platforms
Sections ↑Availability03
Market and product access
| Area | Published service | Boundary |
|---|---|---|
| Saudi shares | Local market cash brokerage through multiple channels | Current exchange, VAT and broker commission apply.Source 4Source 6 |
| Nomu and rights issues | Parallel-market and primary/right services | Eligibility and instrument rules differ from the main market.Source 3 |
| Gulf and international equities | Online international trading, custody, dividends and statements | Currency, tax, market data and sub-custody differ by market.Source 5 |
| Investment funds | Subscriptions from SAR 10 on current site | Fund management and product charges are not stock-dealing commission.Source 1 |
Platforms & products04
Trading channels
| Channel | Published functions | Control |
|---|---|---|
| eTadawul | Web orders, portfolio, watchlists and cash functions | Authentication, market status and account permissions apply.Source 6 |
| Al Rajhi Capital app | Saudi and international market access under current app service | The June 2026 outage notice confirms an incident and restoration, not guaranteed uptime.Source 1Source 6 |
| Telephone trading | Broker-assisted order placement and modification | Confirm the fee and order reference before relying on the assisted route.Source 6 |
| Automated phone trading | IVR-based functions | Available functions and authentication differ from a live broker call.Source 6 |
Fees & holding costs
Sections ↑Pricing & charges05
Cost layers to establish before an order
| Layer | What to verify | Reason |
|---|---|---|
| Broker commission | Current market/channel tariff | The English public pages do not establish one universal current rate.Source 3Source 5 |
| Exchange, regulatory and VAT | Applicable Saudi or foreign-market charges | They are separate from broker revenue.Source 4Source 5 |
| Currency conversion | Rate/spread for foreign market settlement | A low brokerage headline can be outweighed by conversion.Source 5 |
| Custody and corporate actions | Market/sub-custodian schedule | International custody and dividend processing can add costs.Source 5 |
| Murabaha financing | Profit rate, collateral and overdue/closeout terms | It is credit cost, not ordinary trade commission.Source 7 |
Pricing & charges06
Why cash and financed positions differ
| Feature | Cash brokerage | Murabaha financing |
|---|---|---|
| Funding | Customer cash covers settlement | Approved financing supports eligible local share purchases.Source 4Source 7 |
| Continuing cost | No financing profit on unborrowed cash trade | Financing profit/charges accrue under the agreement.Source 7 |
| Control after shortfall | Ordinary settlement rules | Collateral and repayment controls can permit sales.Source 7 |
| Suitability | Customer selects securities | Credit approval does not remove investment loss or concentration risk.Source 7 |
Because a full current public retail tariff was not established, no worked commission example is presented. A reliable total-cost calculation requires the exact market, channel, order value, settlement currency, VAT and financing status shown on the customer’s live agreement or ticket.[3][5][7]
Execution & trading rules
Sections ↑Specifications07
Operational controls
| Situation | Published route | Practical implication |
|---|---|---|
| Local market order | eTadawul, app, telephone or IVR | Order type, validity and market session should be confirmed in the live ticket.Source 6 |
| International order | Direct online or broker-supported route | Local exchange hours, currencies and market data apply.Source 5 |
| Telephone amendment | Phone channel can support order changes under service rules | Do not assume a change is effective until confirmed.Source 6 |
| Platform interruption | Use official service notices and verified support | The 28 June 2026 notice reported a temporary app issue and restoration; reconcile uncertain orders before resubmission.Source 1 |
The provider advertises multi-channel access, but channel redundancy is not proof that every order can be placed during an outage. A customer should retain order references and use an official support route to establish whether an instruction was received.[1][6]
Deposits, withdrawals & transfers
Sections ↑Transfer terms08
Cash and securities movement
| Route | Published operation | Boundary |
|---|---|---|
| Local cash transfer | Electronic channel supports cash movement between eligible investment/bank arrangements | Availability, verification and settlement status govern withdrawal.Source 6 |
| International settlement | Market/currency cash and custody route | Foreign bank and sub-custodian timing can apply.Source 5 |
| Dividend collection | Provider handles dividends for supported international holdings | Tax, currency and custody processing can reduce the credited amount.Source 5 |
| Portfolio financing | Murabaha funds eligible purchases | Financed cash is not withdrawable customer cash; agreement controls use and repayment.Source 7 |
Reference table09
Before moving a portfolio
| Check | Reason |
|---|---|
| Market eligibility | Not every security or fractional position can move between custodians.Source 5 |
| Beneficial owner | Name and account structure must match.Source 5 |
| Settlement/corporate action | Pending trades or events can delay transfer.Source 5 |
| Financing lien | Financed or pledged holdings may need release first.Source 7 |
| Currency cash | Cash conversion and bank delivery are separate from security transfer.Source 5 |
Protection & regulation
Sections ↑Essentials10
Regulatory identity
| Measure | Value | Context |
|---|---|---|
| Authority | Saudi Capital Market Authority | The CMA is an independent government authority established under the Capital Market Law.Source 9 |
| Institution directory | Official authorised capital-market institutions list | Use the current directory to match the legal company and approved activities.Source 8 |
| Company licence | 07068-37 | Company-published licence and activity scope; directory verification route retained.Source 2Source 8 |
| Client assets | CMA rules impose integrity and client-asset obligations on authorised institutions | Those obligations do not insure market losses.Source 12 |
Protections & eligibility11
Protection and dispute boundaries
| Area | Relevant framework | Limitation |
|---|---|---|
| Custody | CMA-authorised custody and the market/sub-custodian chain | Issuer default and market loss remain.Source 2Source 5Source 12 |
| Bank relationship | Al Rajhi Bank and Al Rajhi Capital are separate legal/service relationships | A bank brand does not turn a security into an insured deposit.Source 2 |
| Complaint | Provider first, then CMA complaint route where within remit | CMA supervision is not the same as a personal damages decision.Source 10 |
| Securities dispute | CRSD/appeal committee process under the Saudi framework | Eligibility, evidence and procedural steps govern any claim.Source 11 |
Opening an account & support
Sections ↑Process12
Application and operating preparation
| Stage | Published process | What to confirm |
|---|---|---|
| Open investment account | Complete Al Rajhi Capital identity and account requirements | A bank account alone does not prove every brokerage permission.Source 1Source 3 |
| Activate channel/market | Enable local, Gulf or international access as required | Data, currency and agreement requirements differ.Source 6Source 5 |
| Maintain data | Use the current update-information process | Outdated identity or tax information can restrict service.Source 1 |
| Complaint | Contact the company with account, order and requested remedy | Retain the complaint and any final response before regulatory/dispute escalation.Source 10Source 11 |
Official support and complaint routes
Al Rajhi Capital customer serviceTelephone
Al Rajhi Capital customer serviceEmail
Saudi CMAWebsite
https://cma.org.sa/en/Source 8Source 10
Scope Official institution verification and complaint entry points.
CRSDWebsite
Additional services
Sections ↑Reference table13
Services beyond ordinary cash share dealing
| Service | Published scope | Boundary |
|---|---|---|
| Murabaha | Shariah-compliant share financing for eligible local purchases | Credit and collateral terms apply; no ordinary negative-balance guarantee was established.Source 7 |
| Mutual funds | Subscriptions from SAR 10 under current site | Fund risk, management fees and redemption terms differ.Source 1 |
| IPOs and rights | Primary and rights-issue brokerage support | Allocation and issuer terms govern; an application is not a guaranteed allotment.Source 3 |
| International custody | Dividends, portfolio valuation, statements and safekeeping | Sub-custodian and market processing remain.Source 5 |
Company background & evidence
Sections ↑The facts14
Company context
| Measure | Value | Context |
|---|---|---|
| Legal form | Saudi Closed Joint Stock Company | CR 1010241681 and SAR 500 million capital under the company profile.Source 2 |
| Licence history | Licence dated 19 June 2007; operations began 18 March 2008 | Company-published history, not a fresh authority issuance.Source 2 |
| Current scale claim | More than 37 international markets | Market count does not establish every product for every client.Source 1 |
| Testing boundary | No account, order, financing, transfer or support experiment | The profile documents public service terms only.Source 1Source 6 |
Al Rajhi Capital is best understood as a licensed multi-service capital-market institution rather than one simple share app. Cash brokerage, international custody, funds, IPOs and Murabaha use different contracts and cost drivers.[2][3][7]
- Headquarters
- Riyadh, Saudi Arabia
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Al Rajhi Capital Company
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Capital Market Authority07068-37 | Authorised | Checked 15 Oct 2026Company-published licence, legal form and activities, with current official authorised-institution directory retained as the verification route.Source 2Source 8 |
Additional Information
Sections ↑Reference table15
Checks before relying on the service
| Check | Why it matters |
|---|---|
| Current tariff | The reviewed English pages did not establish one complete retail commission schedule.Source 3 |
| Market and currency | 37+ markets do not share one settlement or custody arrangement.Source 5 |
| Cash versus Murabaha | Financing proceeds are not withdrawable cash.Source 7 |
| Channel status | Reconcile uncertain orders after an outage before resubmitting.Source 1Source 6 |
| Legal company and licence | Use the CMA directory and current agreement.Source 8Source 2 |
This is a neutral reference to the documented Saudi service. It does not recommend the institution or imply live testing of order execution, financing, custody, transfers or complaint handling.
Sources & further reading
- Current Al Rajhi Capital trading, funds and service updates Al Rajhi Capital · Accessed 15 Oct 2026
- Company status, capital and CMA licence Al Rajhi Capital · Accessed 15 Oct 2026
- Brokerage services, markets and channels Al Rajhi Capital · Accessed 15 Oct 2026
- Local Saudi share brokerage Al Rajhi Capital · Accessed 15 Oct 2026
- Gulf and international market brokerage and custody Al Rajhi Capital · Accessed 15 Oct 2026
- eTadawul, mobile, telephone and IVR trading channels Al Rajhi Capital · Accessed 15 Oct 2026
- Shariah-compliant Murabaha share-financing service Al Rajhi Capital · Accessed 15 Oct 2026
- Saudi authorised capital-market institutions directory Capital Market Authority Saudi Arabia · Accessed 15 Oct 2026
- Saudi CMA legal status and remit Capital Market Authority Saudi Arabia · Accessed 15 Oct 2026
- Saudi CMA complaint service entry point Capital Market Authority Saudi Arabia · Accessed 15 Oct 2026
- Committee for Resolution of Securities Disputes official portal Committees for Resolution of Securities Disputes · Accessed 15 Oct 2026
- CMA principles on capital-market institution integrity and client assets Capital Market Authority Saudi Arabia · Accessed 15 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.