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The daily limit for adding money via cards and Apple Pay is SAR 50,000. The monthly limit for adding money via cards and Apple Pay is SAR 100,000. If the customer's limit is upgraded, the monthly limit will be SAR 200,000.

If the transfer is sent to a closed account, it will be rejected, and the amount will be refunded to the customer's wallet. If the account is frozen and the transfer has already been received and credited to the beneficiary's account, the amount will not be refunded.

Currently, there are no fees for bill payments.

If the transfer status is "Ready for Pickup" and the agency refuses to release the funds to the beneficiary, a ticket must be raised immediately under "Inquiry."

The top-up and spending limits are SAR 3,000 daily and monthly.

Yes. The transfer fee will be refunded along with the transfer amount.

* **If the ID is renewed before the expiration date:** A banner will appear in the application asking the customer to update their information. * **If the ID is not renewed before the expiration date:** A notification will appear asking the customer to renew it. Once the National ID or Iqama has been renewed, the customer can submit an information update request. On the expiration date, the account status will change to **“ID Expired.”** * **If the ID is renewed after the expiration date:** The customer must wait 72 hours from their last verification attempt through the banner before attempting to verify the ID again.

A barq card is renewed every 5 years.

barq does not support receiving money via SWIFT code.

The card issuance limit is the same as the card issuance limit for an individual account.

Customers can make up to 25 international remittance transfers per month.

The monthly limit for receiving and using funds is SAR 100,000. If an amount exceeding the monthly limit is received, the customer must wait until the end of the Gregorian month. The funds will then be transferred automatically to the customer's available balance.

Yes. An active eSIM can be recharged, and the customer can subscribe to a new package.

Enter the account number and mobile number associated with the bill issued by the service provider. These details can be found in the bill information provided by the service provider.

No. Digital cards cannot be exchanged after purchase for any reason.

Please ensure that the beneficiary's name is entered correctly and matches the name shown on their National ID.

Yes. Selecting the purpose of the transfer is mandatory, and the customer must provide this information when making the transfer. No exceptions are allowed.

No. The status of the barq card is linked to the customer's account and personal information. If the customer's ID expires, the account and its associated services will be frozen until the customer's information is updated.

This means that barq Financial Company does not currently support international transfers to that country.

No. There is no Fair Usage Policy. Usage depends on the specified validity period of the purchased package.

Yes. Customers can access a history of their previous payments.

Yes. To benefit from all barq services, wallet authentication through NAFATH is mandatory.

There are no issuance fees for: Digital barq Visa Platinum cards. Digital mada cards. The first physical card. For supplementary physical cards: mada: SAR 10. Visa: SAR 30.

Yes. Customers can track card deliveries for shipments handled by AyMakan.

Within Saudi Arabia, a physical card is required to withdraw cash. Outside Saudi Arabia, cash withdrawals may be available through the Atheer service, depending on the bank operating the ATM.

barq Financial Company is licensed by the Saudi Central Bank (SAMA) and is subject to its regulations and instructions.

The legal guardian can change the mobile number by repeating the onboarding process using the new mobile number. Once completed, the minor will be able to log in using the new mobile number.

If the transfer has not yet been credited to the beneficiary's account, barq can contact its partners regarding the transfer.

No. A travel eSIM profile cannot be transferred to another device. It is recommended to use the purchased package until it expires. If you switch to another device, you will need to activate a new eSIM profile and purchase a new package.

After adding the beneficiary, the customer will receive a confirmation call to confirm and activate the beneficiary.

No. The eSIM does not support voice calls and can only be used for mobile data.

Yes. You can select the Cancel Transfer option, and the amount will be refunded to your wallet.

No. The beneficiary only needs to be added and activated once.

barq will verify that the activation code is being used in the correct designated store. If an issue is identified, another code may be provided after confirming with the service provider that the original code has not been used.

Yes. A separate dispute ticket should be raised for each fraudulent transaction. Each ticket should include all relevant information and supporting documentation related to the specific transaction, such as: Transaction date. Transaction amount. Merchant information. Any other evidence supporting the fraud claim. Submitting a separate dispute for each transaction helps ensure that every transaction is individually tracked, investigated, and resolved by the appropriate team.

Yes. The physical card supports NFC (Near Field Communication) technology.

barq does not offer a Signature card. However, barq provides Platinum and mada cards with a free subscription plan.

barq will verify that the activation code is being used in the correct designated store. If an issue is identified, another code may be provided after confirming with the service provider that the original code has not been used.

A support ticket should be raised so the vendor can be contacted and the issue can be investigated and resolved.

Yes. The transfer will remain available for 90 days. If the beneficiary does not collect the transfer within this period, the amount will be returned to the sender's wallet.

Yes. Non-Saudi customers can create Minor Accounts.

Yes. Visa and mada cards are available for Minor Accounts, and a physical card can also be requested. However, cash withdrawal services are not available for Minor Accounts.

If you add more than SAR 3,000 to the Minor Account during a month, only SAR 3,000 will be added immediately. The remaining amount will be added at the beginning of the next Gregorian month.

Bill payments typically take 2 to 3 minutes to process.

There are two main eSIM categories, with different packages available under each: eSIM for use in a single country. eSIM for use in multiple countries.

* If you know your passcode and still have access to your wallet, you can change your mobile number through the profile settings. * If you have logged out and can no longer access your wallet, you can enter your new mobile number and proceed with completing your profile information using your ID number. The accuracy of your information, ownership of the new mobile number, and your passcode will be verified before you can access your wallet again.

Yes. If an invalid or false dispute is raised, the applicable fees are: mada transaction: SAR 15. Visa transaction: SAR 50.

No. If the National ID or Iqama expires, the customer will not be able to use their barq account.

No. Transfers between Minor Accounts are not available. Wallet-to-wallet transfers are only available for accounts that are not classified as Minor Accounts.

A Minor Account can be created by the minor's legal guardian.

Yes. For iOS users, the recharged number for completed transactions dated November 30, 2025 onward will appear in the transaction details in the application after the purchase is completed.

The amount will be returned within 3 business days.

No. The customer can only log in using the mobile number associated with the wallet. The mobile number can be changed after completing the ownership verification process for the new mobile number.

No. There is no limit to the number of times you can change your mobile number. However, only one mobile number can be active on your account at a time.

No. Registration is only available with a valid National ID or Iqama.

You can track the transfer status through the barq application.

No. You cannot open more than one digital wallet because the wallet is linked to your ID number.

Raise a support ticket under: Account and Registration → Minor Account

There is no specific limit on card transactions. However, the e-wallet has a monthly limit of SAR 100,000, which can be increased to SAR 200,000 for eligible customers whose limit has been upgraded. Customers can also enable or disable: Online transactions. ATM transactions. NFC/contactless payments.

* If you know your passcode and still have access to your wallet, you can change your mobile number through the profile settings. * If you have logged out and can no longer access your wallet, you can enter your new mobile number and proceed with completing your profile information using your ID number. The accuracy of your information, ownership of the new mobile number, and your passcode will be verified before you can access your wallet again.

No. Cards issued for a Minor Account do not affect the card issuance limit of the parent or legal guardian's account.

A support ticket should be raised, and the relevant department will provide the UTI number.

Yes. Select the option to add a new beneficiary, complete the beneficiary's required details, and then activate the beneficiary.

Contact barq Customer Support to take the necessary action and prevent unauthorized access to your account.

No. Dealing with cryptocurrencies is not allowed.

No. No additional verification is required. If the entered information is correct and matches the bill details, the payment can be completed.

No. barq does not support receiving money from PayPal.

Try the following: Select the network manually instead of automatically. Change your location, as network coverage may affect the connection. Restart your device.

If the beneficiary's ID has expired, the beneficiary will be subject to the procedures and policies of the receiving entity. However, the barq customer can cancel the transfer and retrieve the amount.

The eSIM information available in the Marketplace includes: Remaining data. Used data. Expiration date. To check this information, go to: App → Marketplace → eSIM → Info

Select the country, service provider, and recharge amount, then complete the payment. The recharge will be processed by the vendor within a few minutes

No.

The customer should contact the bank that issued the card to file a claim.

The minimum withdrawal amount is SAR 50, and the maximum daily withdrawal limit for barq cards is SAR 5,000.

No. The bill does not need to be under the customer's name. As long as the required information is entered correctly and the payment steps are completed, the bill can be paid.

Yes. The monthly limit for adding funds to the wallet is SAR 100,000

If it is an RTGS transaction, a support ticket should be raised

You can share your child's account with up to 3 authorized people.

Yes. You can change your mobile number after verifying ownership of the new mobile number.

Dial *#06# on your device and check whether EID appears in the device information. If the EID is displayed, your device supports eSIM technology.

No. A valid Iqama number is required to use the Domestic Labor Salaries Initiative services.

Select the Card Information icon in the application. After completing the required verification, your card details will be displayed.

No. The digital wallet can only be accessed through supported iPhone and Android devices.

The redemption instructions for each digital card or voucher are displayed in the application.

Any natural person with a valid Saudi National ID or Iqama can register for a barq wallet.

You can track the transfer status through the barq application.

Currently, a Minor Account cannot be closed or deleted. However, the legal guardian can disable all services associated with the Minor Account to prevent it from being used.

barq provides a virtual IBAN generated by Arab National Bank (ANB).

No. Registration is only available with a valid Saudi National ID or Iqama.

All transactions depend on the customer's available balance and the applicable monthly limit.

1. I created an international transfer using the Cash Pickup option, but the beneficiary has not received it yet. Is there a timeframe for collection? Yes. The transfer will remain available for 90 days. If the beneficiary does not collect the transfer within this period, the amount will be returned to the sender's wallet. 2. An international transfer is ready for pickup, but the beneficiary's ID has expired. What is the procedure? If the beneficiary's ID has expired, the beneficiary will be subject to the procedures and policies of the receiving entity. However, the barq customer can cancel the transfer and retrieve the amount. 3. The international transfer status is "Ready for Pickup," but the agency refuses to release the funds. What should I do? If the transfer status is "Ready for Pickup" and the agency refuses to release the funds to the beneficiary, a ticket must be raised immediately under "Inquiry." 4. How do I activate a beneficiary, and how do I know if the beneficiary has been activated? After adding the beneficiary, the customer will receive a confirmation call to confirm and activate the beneficiary. 5. How can I know whether an international transfer has reached the beneficiary for bank, cash pickup, or wallet transfers? You can track the transfer status through the barq application. 6. What happens if an international transfer is sent to a closed or frozen bank account? If the transfer is sent to a closed account, it will be rejected, and the amount will be refunded to the customer's wallet. If the account is frozen and the transfer has already been received and credited to the beneficiary's account, the amount will not be refunded. 7. Is selecting the purpose of an international transfer mandatory? Are there any exceptions for specific countries? Yes. Selecting the purpose of the transfer is mandatory, and the customer must provide this information when making the transfer. No exceptions are allowed. 8. What should I do if a bank I previously transferred to no longer appears in the application? Only banks and wallets currently available for transfers will appear in the application. Available banks, wallets, and branches may be added or removed from time to time. 9. What are the IFSC codes for beneficiaries in India? The available IFSC codes will appear when selecting India and completing the transfer process. 10. Which countries are available for international transfers? All countries currently supported by barq for international transfers will be displayed in the application. 11. If I cancel an international Cash Pickup transfer, will the transfer fee also be refunded? Yes. The transfer fee will be refunded along with the transfer amount. 12. Can a customer receive money from PayPal through barq? No. barq does not support receiving money from PayPal. 13. How many international remittance transfers can I make? Customers can make up to 25 international remittance transfers per month. 14. Why does my international transfer keep getting refunded to my wallet? The transfer may be refunded due to incorrect transfer details, such as an incorrect account number or beneficiary name. 15. What should I do if the beneficiary does not collect a Cash Pickup transfer? The sender can cancel the transfer, and the amount will be refunded immediately to the sender's wallet. 16. Why can't I transfer money to a specific beneficiary? Please ensure that the beneficiary's name is entered correctly and matches the name shown on their National ID. 17. How can I get a SWIFT code for my barq account? barq does not support receiving money via SWIFT code. 18. The country I want to transfer to does not appear in the list. What does this mean? This means that barq Financial Company does not currently support international transfers to that country. 19. Can I add an international beneficiary through the barq application? Yes. Select the option to add a new beneficiary, complete the beneficiary's required details, and then activate the beneficiary. 20. Do I need to add and activate the same beneficiary every time I make a transfer? No. The beneficiary only needs to be added and activated once. 21. If an international transfer was sent to the wrong account, can I cancel it? If the transfer has not yet been credited to the beneficiary's account, barq can contact its partners regarding the transfer. 22. How can I track the status of my international transfers? You can track the transfer status through the barq application. 23. If I made an international Cash Pickup transfer and the beneficiary has not collected it, can I cancel it? Yes. You can select the Cancel Transfer option, and the amount will be refunded to your wallet.

Their accounts will remain active, and they will continue to have access to all services except: International remittances. Adding money via Apple Pay. Adding money via cards. Their monthly limit will also be reduced to SAR 3,000.

Yes. The salary amount will automatically appear to the sponsor. The amount can be edited; however, the customer can increase the regular salary amount but cannot decrease it.

If the legal guardian's account is blocked, all Minor Accounts registered under the guardian will also be blocked.

barq will verify whether there is a technical issue related to the transaction. If the customer has not received the code, barq will contact the merchant to obtain it and provide it to the customer.

Yes. barq cards support PayPal.

Yes. The eSIM supports the Personal Hotspot feature.

The activation code will be sent via SMS to the customer's registered mobile number.

No. The regular salary can only be paid once per month.

You can open a digital wallet with barq through the official barq Financial Company application using your mobile number and ID number. You must complete all required verification procedures and the due diligence form. The accuracy of the information provided will be verified through reliable sources, including verification of mobile number ownership and identity verification through NAFATH.

All countries currently supported by barq for international transfers will be displayed in the application.

Yes. barq supports both government and utility bill payments.

A support ticket should be raised.

The transfer may be refunded due to incorrect transfer details, such as an incorrect account number or beneficiary name.

A support ticket should be raised so the vendor can be contacted and the issue can be investigated and resolved.

If the beneficiary's bank does not complete the refund within the specified timeframe of 3 business days, whether the transfer was made via IPS or RTGS, the customer may raise a support ticket.

Once the payment is completed, the activation code will be sent directly via SMS.

Customers can browse and view Marketplace products through the demo application. However, they cannot purchase or pay for products until their profile is completed.

Once the payment is completed, the eSIM QR code will be displayed in the application. If scanning the QR code fails: Check your internet connection. Make sure your device supports eSIM technology.

Yes. Funding your child's account will be counted toward your spending limit as a parent or legal guardian. However, the child's spending from their Minor Account will not be counted toward the parent or guardian's spending limit.

The sender can cancel the transfer, and the amount will be refunded immediately to the sender's wallet.

The customer can retry after 15 minutes or recover the passcode through the login page in the barq application.

Only banks and wallets currently available for transfers will appear in the application. Available banks, wallets, and branches may be added or removed from time to time.

The time required to resolve a transaction dispute may vary depending on several factors, including: The type of transaction. Merchant policies. The investigation process. Regulatory requirements. The complexity of the dispute. The availability of the required information. barq aims to resolve disputes within the applicable regulatory requirements and internal Service Level Agreements (SLAs).

No. Domestic workers must have a mobile number registered in Absher to use the Domestic Labor Salaries Initiative services.

No. Adding money via SADAD is not available.

using Visa and mada cards? Card transactions are subject to the customer's applicable wallet and spending limits. The standard monthly e-wallet limit is SAR 100,000, which may be increased to SAR 200,000 if the customer's limit is upgraded. The provided limits also indicate a SAR 5,000 daily limit, with upgraded spending limits of SAR 30,000 or SAR 80,000, depending on the customer's approved limit.

The barq Platinum card offers a range of premium benefits. Detailed information regarding benefits such as airport lounge access, restaurants, entertainment, promotional offers, and eligibility criteria is available through the barq website and official customer communication materials. The Call Center also has access to relevant documentation to assist customers with inquiries regarding Platinum card benefits and eligibility requirements.

The Marketplace includes four main categories: Gaming Cards Store Vouchers Recharge Cards eSIM

Yes. barq cards can be linked to Apple Pay, mada Pay, and Samsung Pay.

No. Digital cards cannot be exchanged after purchase for any reason.

The purchase amount will be deducted directly from the customer's barq wallet.

No. The name is retrieved from Absher.

Yes. Previously paid bills can be viewed through the application by accessing the Bills section in the Marketplace.

No. There are no fees for payment services.

No. There are no fees for adding money via barq.

barq will verify whether there is a technical issue related to the transaction. If the customer has not received the code, barq will contact the merchant to obtain it and provide it to the customer.

There is no limit. The customer can request a callback whenever they want to activate a beneficiary.

Any eligible individual holding a valid National ID or Iqama who successfully completes the verification process and opens a digital wallet with barq can issue a card.

The following requirements must be met: * A valid Saudi National ID or Iqama. * The name on the Iqama and passport must be correct and match. * The mobile number must be owned by the holder of the National ID or Iqama and must not have been previously registered with barq. * Completion of the due diligence form. * Completion of all required verification procedures through reliable sources.

No. Card fees are non-refundable.

No. Once the eSIM is deleted from the device, it cannot be reactivated.

The available IFSC codes will appear when selecting India and completing the transfer process.