Derayah combines Saudi securities dealing, international brokerage and Smart managed portfolios. The self-directed and managed routes have different charges and cash-access rules. Within Global, the current product page advertises Lite, Pro and Plus, while a separate detailed tariff retains the Global/Global Plus distinction.[8][11][1][3]
Accounts & headline costs
Sections ↑Account comparison01
Main service routes
| Route | Published use | Principal economic condition |
|---|---|---|
| Saudi brokerage | Tadawul and related Saudi products through Derayah’s platform. | Zero Derayah commission for eligible electronic retail Saudi equity, REIT and ETF trades; regulatory fees and taxes remain.Source 2 |
| Derayah Global | Shares, options, futures, CFDs, fixed income, metals and FX-related services depending on account level. | Standard detailed tariff and Lite/Pro/Plus offer must be matched to the accepted account.Source 1Source 11 |
| Derayah Smart | Managed, Sharia-compliant portfolios with automated allocation. | 0.65% annually, deducted monthly; product performance and underlying costs remain.Source 3 |
| Free Margin | Financing for eligible Saudi-market securities. | Minimum and collateral conditions apply; financing is not a global-market product.Source 5Source 6 |
Broker essentials02
Opening and service essentials
| Measure | Value | Context |
|---|---|---|
| Derayah Smart initial amount | SAR 500 | Subsequent additions can start at SAR 100.Source 3 |
| Smart portfolio count | Up to 10 | Each selected portfolio has its own allocation and risk characteristics.Source 3 |
| Free Margin stated minimum | SAR 10,000 | Approval and eligible-securities requirements apply.Source 6 |
| Global market coverage | 46 markets advertised | The Global product page advertises 46 exchanges; the homepage uses 43+ markets.Source 11 |
| CMA licence | 08109-27 | Company-published Saudi licence number.Source 8 |
Account comparison03
Permissions shown in the detailed Global tariff
| Capability | Global | Global Plus |
|---|---|---|
| Cash equities and ETFs | Available | AvailableSource 1 |
| Listed options | Available where approved | Available where approvedSource 1 |
| Futures / CFDs / warrants | Not included in the detailed Global column | Included in the detailed Global Plus column, subject to approvalSource 1 |
| Short selling / margin | Not included in the detailed Global column | Included in the detailed Global Plus column, subject to approvalSource 1 |
| Bonds, sukuk and metals | Not included in the detailed Global column | Included in the detailed Global Plus column, subject to approvalSource 1 |
Account comparison04
Lite offer and disclosure differences
| Item | Current public wording | Reading the scope |
|---|---|---|
| US-listed stocks and ETFs | Lite: no commission; Pro/Plus comparison: USD 0.019 per share | Detailed tariff separately states USD 0.0199 with USD 1.99 minimum. Match the schedule to the accepted plan.Source 11Source 1 |
| Sub-USD 1 / OTC shares | 2% of trade value in the Lite and Pro comparison | Do not extend the zero-commission headline to these securities.Source 11 |
| Opening / upgrade | Global FAQ: no minimum; Plus upgrade FAQ: USD 2,000 balance | Opening and upgrading are different actions.Source 11Source 12 |
| Currency conversion | Product page advertises fee-free exchange; detailed tariff lists 2 bps, USD 4.99 minimum | The pages do not reconcile the relevant route or waiver.Source 11Source 1 |
Products & platforms
Sections ↑Availability05
Investment catalogue
| Product | Published access | Important boundary |
|---|---|---|
| Saudi shares and ETFs | Self-directed local dealing. | Zero Derayah commission does not mean zero total market cost.Source 2 |
| US and international shares | Global-market trading with per-share or percentage pricing. | Tax, market fees, FX and custody/transfer treatment differ by market.Source 1 |
| Options and futures | Contract-based charges under approved permissions. | Contract multipliers, exercise, settlement and market data remain separate.Source 1 |
| CFDs and metals | CFDs and gold/silver are listed separately in the applicable Global Plus tariff. | CFDs do not confer ownership of their reference asset. The metals tariff alone does not establish the legal form of a gold or silver holding.Source 1 |
| Bonds and sukuk | Face-value commission schedule. | The quoted commission excludes spread, accrued interest and issuer credit risk.Source 1 |
| Managed portfolios | Derayah Smart model portfolios. | Five-business-day post-deposit restriction and a further published cash-return process apply.Source 3Source 4 |
Platforms & products06
Platforms and service tools
| Tool | Function | Boundary |
|---|---|---|
| Derayah web and app | Saudi and global account access, orders and portfolio monitoring. | Available functions depend on account permission and market.Source 2Source 8 |
| Global platform | Multi-market trading and reporting. | The public price table, not a generic “global” label, determines the fee unit.Source 1 |
| Derayah Smart interface | Portfolio selection, deposits and withdrawal requests. | The service has discretionary/automated implementation within the selected mandate.Source 3 |
| Human support / branch | Telephone support and on-call brokers are advertised. | Order acceptance and execution follow the account and market rules.Source 8Source 7 |
Fees & holding costs
Sections ↑Pricing & charges07
Detailed Global tariff: selected commissions before VAT
| Instrument / service | Published charge | Unit and condition |
|---|---|---|
| US shares | USD 0.0199 per share; USD 1.99 minimum | Per executed order under the stated schedule.Source 1 |
| US options | USD 1.99 per contract | Exchange, regulatory, exercise and assignment costs can remain.Source 1 |
| Futures | USD 3.99 per contract | Contract-specific exchange and data fees remain.Source 1 |
| CFDs | 0.010%; USD 1.99 minimum | Notional/transaction basis; spread and overnight financing are separate.Source 1 |
| Metals | 0.0199%; USD 4.99 minimum | Percentage charge under the global tariff.Source 1 |
| FX conversion | 2 basis points; USD 4.99 minimum | Currency-conversion service, not a rolling spot-FX spread quotation.Source 1 |
| Bonds and sukuk | 20 basis points of face value; USD 9.99 minimum | Face-value unit; spread and accrued interest excluded.Source 1 |
Pricing & charges08
Saudi and managed-service charges
| Item | Published treatment | Qualification |
|---|---|---|
| TASI / Nomu equity brokerage | Zero Derayah commission | Regulatory and exchange charges remain.Source 2 |
| Single-stock futures | Current display: 0.025 and “25 basis points” | The numerical unit is inconsistent. The earlier 7.5-basis-point / 9-basis-point settlement claim is not supported by the current page; obtain a confirmed schedule.Source 2Source 12 |
| Saudi listed options | SAR 6.50 per contract | Exercise charge published separately at SAR 1,000.Source 2 |
| Derayah Smart | 0.65% annually, collected monthly | Underlying portfolio performance and product expenses remain.Source 3 |
| Cash transfer | Published as free under the platform price material | Bank, currency or intermediary charges can still arise.Source 2 |
Scenarios09
Illustrative standard Global charges
Execution & trading rules
Sections ↑Specifications10
Order and authority distinctions
| Topic | Published position |
|---|---|
| Self-directed orders | Customer selects and submits the order through the brokerage route.Source 2 |
| Derayah Smart authority | The service implements the selected managed portfolio and rebalancing approach.Source 3 |
| Margin positions | Collateral and finance rules govern purchasing power and action on shortfalls.Source 5 |
| Global product permissions | Futures, CFDs, short selling and margin require the applicable account and approval.Source 1 |
| Outage handling | The company advertises on-call brokers and direct support/execution during US market hours; acceptance still follows the applicable order process.Source 8Source 11 |
Specifications11
Saudi margin products and thresholds
| Item | Published position | Scope |
|---|---|---|
| Entry and ratio | SAR 10,000 minimum; 1:1 margin | Free Margin monthly contract; Murabaha yearly contract.Source 5 |
| Initial / maintenance | 50% / 40% capital-to-portfolio ratios | Maintenance reduces buying power.Source 5 |
| Call / liquidation | Call heading: 35%, but narrative: 30%; liquidation: 30% | The page contains conflicting call wording. The accepted financing agreement must determine the operative trigger.Source 5 |
Smart returns money first to the main Derayah account. A subsequent bank withdrawal is a separate instruction. Its published waiting periods therefore describe stages in the cash process, rather than a promise of immediate bank availability.[4]
Deposits, withdrawals & transfers
Sections ↑Transfer terms12
Smart cash movement
| Stage | Published treatment |
|---|---|
| Initial subscription | SAR 500 minimum.Source 3 |
| Later addition | From SAR 100.Source 3 |
| Earliest withdrawal after deposit | Five business days after the most recent deposit.Source 4 |
| Transfer back to main Derayah account | Published estimate of five to seven business days.Source 4 |
| Bank withdrawal | Separate from internal settlement to the main investment account.Source 4 |
Reference table13
Brokerage cash and asset movement
| Issue | Practical treatment |
|---|---|
| Local funding and withdrawal | Local funding uses the client-specific Arab National Bank investment-account IBAN or Apple Pay; bank withdrawals go to the linked account.Source 2 |
| Sale proceeds | Market settlement precedes unrestricted withdrawal.Source 1 |
| Free Margin | Borrowed purchasing power is not cash available to withdraw.Source 5 |
| Securities transfers | Request the route-specific in-kind transfer form and charge. The public Procedures page contains website terms, not a custody or transfer agreement.Source 10Source 7 |
Protection & regulation
Sections ↑Protections & eligibility14
Entity and client-protection boundaries
| Area | Published evidence | Scope |
|---|---|---|
| Contracting company | Derayah Financial Company, Saudi Arabia. | Brand and app do not replace the account agreement.Source 8 |
| CMA licence | Company-published number 08109-27. | Authorisation does not reimburse market or leverage losses.Source 8 |
| Managed portfolio | Portfolio holdings and mandate are distinct from company cash. | Management does not guarantee a target return or immediate liquidity.Source 3 |
| Margin financing | Borrowing secured on eligible Saudi assets. | A financing shortfall can require funds or asset sales; it is not insured loss protection.Source 5 |
Opening an account & support
Sections ↑Published support routes
Customer careTelephone
Second customer lineTelephone
+966 920 066 003Source 7
Scope Additional published contact; toll-free number 8001000613. The site supplies a separate suggestions/complaints form.
International contactTelephone
Support emailEmail
Complaint form and branchesWebsite
https://web.derayah.com/en/call-us/Source 7
Scope Official complaint submission and branch-location page.
Process15
Evidence to retain
| Problem | Useful evidence |
|---|---|
| Commission or fill | Account type, market, order confirmation, unit and pass-through charges.Source 1 |
| Smart withdrawal | Deposit date, portfolio, request time, internal settlement and bank transfer.Source 4 |
| Margin shortfall | Accepted agreement, collateral values, notices and finance calculations.Source 5 |
| Access or security | Official support reference, device time and account-authentication record.Source 7 |
Additional services
Sections ↑Reference table16
Distinctive services
| Service | What it adds | Boundary |
|---|---|---|
| Derayah Smart | Automated managed portfolios and multiple portfolio choices. | Managed authority is confined to the selected service and mandate.Source 3 |
| Free Margin | Eligible Saudi-market financing. | Not available for every security or global account.Source 5 |
| Global Plus | Wider leveraged and derivative product range. | Higher product breadth also adds product-specific permissions and risks.Source 1 |
| Research and human brokers | Market information and service assistance. | Research and support are not discretionary authority in a self-directed account.Source 8Source 7 |
Company background & evidence
Sections ↑The facts17
Company and scale
| Measure | Value | Context |
|---|---|---|
| Founded | 2009 | Company history as a Saudi financial-services firm.Source 9 |
| Public listing | 10 March 2025 | Investor-relations page identifies the listing date.Source 9 |
| 1H 2026 operating income | SAR 468 million | Company-reported half-year metric, not a client account measure.Source 9 |
| 1H 2026 net profit | SAR 198 million | Company-reported half-year result.Source 9 |
- 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.
Derayah Financial Company
| Issuer & identifier | Recorded status | Date & scope |
|---|---|---|
| Capital Market Authority08109-27 | Authorised | Checked 29 Oct 2026Company-published Saudi licence number.Source 8 |
Sources & further reading
- Global-market commissions, FX and instrument charges Derayah Financial · Accessed 29 Oct 2026
- Derayah platform markets, Saudi pricing and service range Derayah Financial · Accessed 29 Oct 2026
- Derayah Smart managed portfolios, minimums and fees Derayah Financial · Accessed 29 Oct 2026
- Derayah Smart deposits, withdrawals and portfolio mechanics Derayah Financial · Accessed 29 Oct 2026
- Free Margin eligibility and Saudi-market scope Derayah Financial · Accessed 29 Oct 2026
- Margin financing minimums and operational terms Derayah Financial · Accessed 29 Oct 2026
- Customer support, complaints and branch channels Derayah Financial · Accessed 29 Oct 2026
- Current service overview and market coverage Derayah Financial · Accessed 29 Oct 2026
- Investor relations, listing and current financial metrics Derayah Financial · Accessed 16 Oct 2026
- Website terms of service (not the account agreement) Derayah Financial · Accessed 29 Oct 2026
- Current Global platform, Lite/Pro/Plus comparison and account minimum Derayah Financial · Accessed 29 Oct 2026
- Current local and global pricing display and account-upgrade FAQ Derayah Financial · Accessed 29 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.