Learning how to Add and Verify Beneficiary Saudi Apps correctly is the first essential step before sending money home from Saudi Arabia. Whether you are using STC Pay, Urpay, Mobily Pay, or Tahweel Al Rajhi, adding a new recipient requires accurate legal details and completing mandatory automated call verifications or OTP security checks mandated by the Saudi Central Bank (SAMA).
Key Details Required Before Adding a Beneficiary
To avoid transaction rejections or delayed transfer holds, gather the following exact receiver details before opening your remittance app:
- Full Legal Name: Must match the recipient’s government-issued identity card (CNIC, Aadhaar, Passport) exactly.
- Bank Account Number & IBAN: Accurate international account number and full IBAN (or 11-digit IFSC code for Indian transfers).
- Mobile Wallet Details: Receiver’s exact registered mobile number for JazzCash, Easypaisa, or bKash deposits.
- Country & Address: Correct country selection, city name, and active relationship classification (Family, Friend, Business).
1. How to Add and Verify Beneficiary in STC Pay
To register a new international recipient in STC Pay:
- Log in to your STC Pay app and tap International Transfer.
- Select Add New Beneficiary.
- Enter the recipient’s full legal name, relationship, delivery option (Direct Bank Deposit, Western Union Cash Pickup, or Mobile Wallet), and country.
- Submit the details and wait for the automated STC Pay verification phone call.
- Answer the incoming call and press 1 on your dial pad to approve and activate the new beneficiary immediately.
2. How to Add and Verify Beneficiary in Urpay
For instant transfer setups inside the Urpay application:
- Open Urpay and navigate to International Transfer > Add Beneficiary.
- Fill in the receiver’s personal information, account number/IBAN, and relationship type.
- Review the summarized beneficiary details and tap Confirm.
- Enter the 4-digit OTP sent to your registered Saudi mobile number.
- You will receive an automated call from Urpay to authorize the beneficiary. Follow the voice prompts to finalize activation.
3. How to Add and Verify Beneficiary in Al Rajhi Mobile App
For users transferring funds through Al Rajhi Bank or Tahweel Al Rajhi:
- Open the Al Rajhi App and go to Transfers > Add New Beneficiary > International Beneficiary.
- Select the delivery type (Bank Account, Cash Pickup, or Correspondent Partner).
- Enter the complete IBAN, full name, address, and SWIFT/IFSC code.
- Once saved, tap Activate Beneficiary and choose Call Me Now.
- Answer the automated verification call from Al Rajhi Bank and confirm by pressing the requested digit.
Troubleshooting Common Beneficiary Verification Issues
If you experience issues activating your beneficiary, follow these solutions:
- Not Receiving Verification Calls: Ensure your registered mobile line is active and not blocking automated shortcodes or toll-free numbers. Restart your phone and request a call again after two minutes.
- Name Mismatch Rejections: Avoid nicknames or abbreviated titles. Ensure the full name matches the receiving bank’s account record.
- Incorrect IFSC or IBAN: Double-check bank branch routing numbers. Entering an invalid code prevents the system from triggering the verification call.
For live daily exchange rates, wallet comparisons, and Saudi remittance updates, visit RiyalGhar.
Frequently Asked Questions (FAQs)
Why is a call verification required to activate a new beneficiary?
Saudi Central Bank (SAMA) regulations require mandatory two-factor authentication and automated phone confirmation to protect user balances against unauthorized transfers.
How long does it take for a newly verified beneficiary to become active?
Once you answer the automated verification call and press the confirmation key, the beneficiary is activated instantly for immediate transfers.
Can I edit a beneficiary’s account details after activation?
Most apps do not allow direct editing of account numbers or IBANs for security reasons. You must delete the incorrect beneficiary and create a new one.
