Gulf Business, 23 December 2025: The Saudi Central Bank (SAMA) has unveiled a new regulatory guide aimed at reducing banking and payment fees, enhancing transparency, and strengthening consumer protection across the financial sector.

SAMA announced the introduction of the “Fees Guide for Financial Institutions’ Services,” which will replace the existing Banking Tariff. The guide sets out revised fee structures for services offered by banks and payment companies, including reductions in administrative charges for financing products, card reissuance, international transactions, and fund transfers. The move is designed to promote financial inclusion, improve pricing clarity, and encourage digital adoption.

In addition to the fee reforms, SAMA issued updated Implementing Regulations under the Saudi Arabia Regulation No. 4/1434 on Implementing Regulation of the Finance Companies Control Law. These updates modernise licensing requirements, adjust aggregate finance limits, and clarify procedures for expired licenses. The changes also repeal outdated rules on microfinance activities, reflecting a broader effort to streamline oversight and support sustainable sector growth.

Both the Fees Guide and the updated regulations are available on SAMA’s Rulebook portal.

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