Tell us your situation
A short questionnaire captures the essentials - your location, priorities, and what you need. No financial advice is given at this stage.
Expat Financial Planning
Saudi Arabia's rapid transformation under Vision 2030 is creating new financial opportunities - and new complexities. Understanding your obligations and entitlements as a foreign national requires specialist knowledge.
Why it matters
Saudi Arabia operates one of the Gulf's most distinct employment frameworks for foreign nationals. The General Organisation for Social Insurance (GOSI) covers Saudi citizens and provides some limited protections to expatriates, but most social security benefits that domestic workers receive are not available to foreigners on standard iqama permits.
Your iqama (residency permit) is tied to your employer - which means your financial entitlements, including your end-of-service award, are directly linked to your employment contract. Understanding how to calculate your end-of-service award, and when it is payable, is an area where many expats discover they were underprepared.
Saudi Arabia has no personal income tax for individuals, but your home country obligations do not disappear. For UK nationals, HMRC residency rules, NI contributions, and UK-sourced income all remain relevant. The Vision 2030 programme is also professionalising the Kingdom's financial sector, introducing new products and opportunities that a specialist can help you assess.
Getting specialist guidance from day one can help you avoid costly mistakes.
The process
Saudi Arabia's iqama-linked employment structure and GOSI framework are highly specific. We introduce you to specialists with direct experience advising expats in the Kingdom, not advisers who treat it as just another Gulf posting.
We match you with the right specialist
Every submission is reviewed by a human. We identify a specialist with the right expertise for your specific country and circumstances.
Your introduction, your timeline
You are connected directly. No auto-forwarding, no pressure, and no obligation. The specialist conversation happens on your terms.
“After three years in Riyadh I was changing employer and had no idea how my end-of-service award would be calculated or what to do with it. The specialist made the whole process far clearer than I expected.”
Questions
Common Questions About Financial Planning in Saudi Arabia
How does GOSI affect expat finances in Saudi Arabia?
GOSI provides certain workplace protections and limited injury and disability coverage to expatriate workers in Saudi Arabia, but the majority of social insurance benefits - including retirement pension - are available only to Saudi national employees. This means most expats in Saudi Arabia have no state pension entitlement building up locally, making their private pension arrangements and home-country provisions more important.
Can I transfer money out of Saudi Arabia freely?
Saudi Arabia does not impose general restrictions on personal remittances by expatriates - funds can generally be transferred abroad through the banking system. However, the mechanics of structuring regular remittances efficiently, managing currency exposure, and ensuring home-country compliance all benefit from specialist review, particularly when amounts are significant.
What happens to my finances if I change employer?
When an expatriate changes employer in Saudi Arabia, the iqama is transferred to the new sponsor, which can trigger end-of-service award entitlements depending on the circumstances. Your previous employer is generally obligated to pay your end-of-service award at the point of departure from that employer. Understanding your rights and how to structure any lump sum received is something a qualified specialist can help with.
This page is for general informational purposes only and does not constitute financial, tax, or legal advice. Tax laws and regulations change frequently. Always seek advice from a qualified specialist who understands your personal circumstances.
Whether you are newly posted to the Kingdom or planning your next move, we can introduce you to a specialist who understands the Saudi Arabia financial landscape for expats.