Sustainable Saving Account

Your savings with alinma contribute to impactful sustainable projects.

Save today... for a better tomorrow! 

Sustainable Savings Account: It offers you options to grow your business starting from just 1 Ʀ, with flexibility and security for your transactions, along with competitive and attractive returns. Discover how savings solutions can provide you with greater opportunities for cash management and financial planning for your business.

Sustainable Saving Account is a dedicated savings product where your funds are invested in alinma’s sustainable project portfolio—empowering your savings to create a positive environmental and social impact.

For more information on our sustainability strategy, please refer to alinma’s Sustainability Report.

    • Benefits of Investing in Sustainable Projects
      • Contribute to renewable energy, green buildings, and community development projects.”
      • Earn competitive returns while supporting Sustainable Development Goals
      • Be part of a more prosperous, greener, and responsible future

Open your account now by visiting the nearest branch!

  • Start saving with just 1 Ʀ and enjoy profit anticipated profit annually returns up to 2.70% as your balance grows*.
  • Open a savings account for free through alinma branches.
  • Access your account activity anytime through statements and digital banking services.
  • Monthly profit distributions based on investment performance.
  • Flexible returns: increase with higher balances and decrease with lower ones.
  • Withdraw funds anytime during the investment period.
  • Full banking functionality—transfers, bill payments, and government payments.
  • Funds will be invested in a sustainable investment fund aligned with alinma’s Sustainable Finance Framework.

For more details, please refer to the Sustainable Saving Account Opening Agreement

Saving Account Daily balance package

Balance Limits

 AER

Maturity in Month

Number of Withdrawals Permitted per Month

Ʀ 1 – Ʀ 1,000,000

 2.00%/Year

One Month

Open

Ʀ 1,000,000 – Ʀ 3,000,000

 2.22%/Year

One Month

Open

Ʀ 3,000,000 and above

 2.70%/Year

One Month

Open

 

Saving Account Minimum balance package

Balance Limits

 AER

Maturity in Month

Number of Withdrawals Permitted per Month

Ʀ 1 – Ʀ 1,000,000

 2.00%/Year

One Month

Open

Ʀ 1,000,000 – Ʀ 3,000,000

 2.22%/Year

One Month

Open

Ʀ 3,000,000 and above

 2.70%/Year

One Month

Open

 

Saving Account Daily balance package ( USD Account )

Balance Limits

 AER

Maturity in Month

Number of Withdrawals Permitted per Month

USD 5000 – USD 99,999

 1.50%/Year

One Month

Open

USD 100,000 – USD 999,999

 1.75%/Year

One Month

Open

USD 1,000,000 and above

 2.50%/Year

One Month

Open

 

Savings Account Feature:


Balance available for investment

100%


Deposits during the investment term

Additional deposits can be made anytime. However, returns will be calculated as of the next investment term or as of the next working day (as per the package’s terms)


Eligibility

All customers


Minimum balance at the beginning of investment

As per the package’s features


Withdrawal authority*

Available at any time as per the package’s terms


Rate of return (investor)

As per the rates announced upon contract execution


Rate of return (broker)

As per the rates announced upon contract execution

  • A current account is required.
  • No fees are charged on withdrawal transactions during the savings period.
  • The savings account carries risks, including temporary investment opportunities in the market and seasonal business lulls during holidays and summer vacations, which may affect account returns. Therefore, the bank does not guarantee account stability or returns. However, potential future opportunities can be anticipated based on the bank's investment results.
  • Please note that returns will automatically increase for those whose balance reaches the minimum threshold of the highest savings package, and returns will decrease automatically for those whose balance reaches the minimum threshold of the lowest savings package.
  • A minimum balance is required for the savings account, which qualifies for entry into the investment pool to receive savings returns (according to package terms).

Components of the Investment Pool:

  • Financing instruments for sustainability projects
  • Sukuk (Islamic bonds)
  • Transactions with the Saudi Central Bank

alinma invests the balances of its investment accounts in income-generating assets that maintain stability in fair value and cash flows. These balances are allocated to one or more of the following eligible project categories:


Environmental:

  1. Renewable Energy – Projects that support the generation and use of clean energy sources such as solar, wind, hydro, and geothermal power, reducing reliance on fossil fuels.
  2. Energy Efficiency – Investments in technologies and infrastructure that reduce energy consumption and enhance performance, including smart grids, energy storage, and building retrofits.
  3. Sustainable Water and Wastewater Management – Projects aimed at improving water conservation, water quality, wastewater treatment, and sustainable water resource management.
  4. Pollution Prevention and Control – Initiatives that minimize air, water, and soil pollution through waste reduction, recycling, the use of sustainable resources, and emissions monitoring.
  5. Clean Transportation – Investments in low-carbon and zero-emission transportation solutions, including electric vehicles (EVs), public transportation, railways, cycling infrastructure, and alternative fuels.
  6. Green Buildings – Development and retrofitting of buildings that meet high environmental standards in energy efficiency, water conservation, and low-carbon construction materials.
  7. Climate Change Adaptation – Projects that enhance resilience to climate risks, including flood protection, coastal defenses, climate-resilient infrastructure, and climate-smart agriculture.


Social:

  1. Affordable Basic Infrastructure – Projects that expand access to essential infrastructure such as clean drinking water, sanitation, transportation, and energy, particularly for underserved communities.
  2. Access to Essential Services: Education – Investments in educational facilities, scholarships, vocational training, and digital learning solutions to enhance both access to and the quality of education.
  3. Access to Essential Services: Healthcare – Support for hospitals, clinics, medical equipment, telemedicine, and programs that improve access to affordable and quality healthcare services.
  4. Employment Generation – Initiatives that create and sustain job opportunities, including support for Micro, Small, and Medium Enterprises (MSMEs).
  5. Socio-Economic Advancement and Empowerment – Programs that promote gender equality and support marginalized communities.

An annual impact report will be published to highlight the outcomes of the investments made through the Sustainable Saving Account, allowing you to see the real difference your savings create. The first report is scheduled for release in March 2026.

What is the Sustainable Saving Account?
The Sustainable Saving Account is a savings account where your funds are invested in alinma’s Sustainable Portfolio. These projects are carefully selected to align with environmental and social impact objectives, such as renewable energy, green buildings, and community development.

How does my money contribute to sustainability?
Your savings are pooled with other account holders’ funds and directed toward financing sustainable projects. This ensures your money supports responsible environmental and social initiatives while earning returns.

What types of projects will my funds support?
alinma’s sustainable investments are made in accordance with the eligible project categories defined in alinma’s Sustainable Finance Framework. (Link to the framework)

Will my savings continue to earn returns?
Yes, the Sustainable Saving Account offers profit rates comparable to regular savings accounts. The only difference lies in how your funds are invested by alinma.

Is there a minimum balance required to open or maintain the account?
Yes, a minimum balance must be maintained throughout the investment period to keep the account active and eligible for profit distribution.

Can I access my money at any time?
Yes, you can withdraw your funds anytime, just like a regular savings account. However, keeping your savings invested longer allows your deposits to contribute more effectively to sustainable projects.

How can I track where my money is invested?
alinma is committed to transparency. You will have access to annual impact reports that detail the projects funded through the Sustainable Saving Account. These reports offer insights into the real-world change your savings help create. The first impact report will be published in March 2026.

How is this different from a regular savings account?
The funds in a regular savings account are invested in components of the investment pool, which include sukuk, financings, and deposits at the central bank. Meanwhile, the funds in the sustainable Savings Account are dedicated to financing specific and approved sustainability projects, focusing on achieving a positive environmental and social impact.

It is important to note that a regular savings account does not specify how the funds are used, while the sustainable Savings Account ensures that your money is directed toward sustainable investments with a positive environmental and social effect. This provides you with an opportunity to contribute to sustainable development and achieve your financial goals in line with sustainability values.Therefore, the Sustainable Growth Account is a valuable option that adds impact and enhances the effect of your investment.

How can I open a Sustainable Saving Account?
You can open your account through Branches: Visit your nearest branch .

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