🇸🇦 Saudi Arabia
Business finance made simpler in Saudi Arabia
From Riyadh and Jeddah to Dammam, Saudi businesses use Zivobooks for bilingual invoices, VAT and Zakat workspaces, and a clear checklist for Fatoora Phase 2 onboarding.
Taxes covered
Rules for the Zakat, Tax and Customs Authority (ZATCA).
Currency
SAR
Saudi riyal (SAR), with invoicing in any currency. Exchange rates: Daily market rates, or the rates you enter. Foreign-currency invoices show the VAT in SAR.
Fiscalisation & e-invoicing
Direct submission is only available when an approved connection is enabled for your business.
Fatoora Phase 2 requires ZATCA onboarding, a business certificate and a production-approved integration. Check the workspace connection status before issuing invoices that need clearance or reporting.
Popular payment methods
- mada cards
- SADAD bills
- Bank transfer (IBAN)
- Cash
- Online checkout providers you can connect
- Moyasar
- Tap Payments
- PayTabs
- Telr
Payroll
No income tax on salaries. GOSI contributions for Saudi and non-Saudi employees and the end-of-service award are worked out on every pay run and posted to the books.
Your bank
Import statements from Al Rajhi Bank, SNB, Riyad Bank, SABB, Alinma and others that export a statement file.
What we do and don’t claim
The core product and country tax workspaces are available. Tax rules may need confirmation, and returns must be filed through the authority unless an approved connection is enabled. Rules marked for source review are planning aids and must be checked with the authority before use. A return is only marked Submitted or Accepted after an acknowledgement is recorded.
Zivobooks in Saudi Arabia
Can’t find what you’re looking for? Ask us directly, and a person will answer.
What tax work can I do in Saudi Arabia?
The country tax workspaces shown below help organise records and prepare the tax data supported for your business. Coverage varies by tax type; check the source review status on this page and confirm figures with ZATCA before filing.
Which currency can I use?
Your base currency is the Saudi riyal (SAR), with invoicing in any currency. You can also invoice and bank in any other currency, with exchange rates recorded on every transaction.
Is payroll supported?
Yes. No income tax on salaries. GOSI contributions for Saudi and non-Saudi employees and the end-of-service award are worked out on every pay run and posted to the books. Payroll is on the Business plan and above.
Can I submit returns directly to ZATCA?
Direct submission to ZATCA depends on an approved integration being enabled for your business. A prepared return is not filed; use the authority’s channel unless your workspace confirms an acknowledgement.
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