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Welcome to Elite program, where wealth lies within you. We offer you a wide range of the finest offers, privileges, and banking services with its latest innovations.

We support your aspirations with the help of an elite team of highly qualified and experienced Relationship Managers and Wealth Managers to achieve your goals and expand the magnitude of your investments and wealth.

Elite is a program designed to fit your ideal lifestyle.

​​Program Requirements

• Average 6-month bank account balance (current and investment funds balances) SAR 2,500,000

• Or direct deposit SAR 2,500,000


​Elite Program Privileges:

  • Priority of service in over 200 Wessam lounges across the Kingdom

  • Dedicated teller for Elite members

  • Dedicated Relation Manager

  • Dedicated Wealth Manager

  • Dedicated 24/7 contact center 8002442424

  • ​Waived fees for all banking services

  • Special and exclusive offers on banking products

  • Special exchange rates

  • Daily transfer limit SAR 1,000,000 through our digital channels

  • Waived fees on MasterCard World Elite credit card

  • Earn extra “LAK" reward program points

  • Customized designed cheques book

  • Fees-free safety deposit box

  • e-shopping and usage outside Saudi Arabia, in addition to travel insurance

  • Enjoy airport lounges around the world, discounts, and other privileges and benefits

  • Elite for family members

  • Contact your dedicated Relation Manager

​Family Members Classification:

  • Classification includes first-class relatives (Husband - Wife - Kids).

  • Family Members Classification includes all main account privileges.

  • Free Service 100%

  • For Elite Members Only

​For any inquiries contact 8002442424


Exclusive Privileges

  • Credit Card

  • Personal Finance

  • Lease Finance

  • Residential Finance



Grant Conditions



 Un-Payroll Clients

Relationship duration from the date of joining the program is 3 months

 “Lak" Points Earning Rates

2 points/per riyal locally, 2.5 points/per riyal Internationally


Card Features And Benefits:

“Lak Rewards"  membership allows you to redeem earned points when using the card for a variety of rewards, the member must register through the website to enjoy exclusive rewards such as:

  • ​Traveling miles from established airlines

  • Membership points from selected hotels

  • Hotel reservations

  • eGift vouchers

  • Cashback

1. International airports lounges access

(Access more than 900 lounges across the world when presenting the card)

2. Travel insurance

• Personal assistant (Concierge) service

Financing Products Exclusive Privileges



Grant Conditions



 Client Segment

Payroll clients

 Finance Duration

60 months

 Relationship Duration

3 consecutive salaries



  • 10 percentage points discount for Elite members

  • Discounted admin fees on the first finance

  • Financing up to SAR 2.5 million

  • SAR 3 million for Aramco employees

​Financing Products Exclusive Privileges



​Grant Conditions



 Client Segment

Payroll and Un-Payroll clients

Salary transfer is not required

 Finance Duration

12-60 months

 Relationship Duration

Non required


Product Privileges:

• Financing against average balance 

• Instant approval for Elite members only



Grant Conditions



 Client Segment

Payroll and Un-Payroll clients

 Finance Duration

Up to 30 years

 Contract Concept

Murabaha, Ijarah


Product Privileges:

• Financing up to SAR 7 million 



  • Special and competitive exchange rates 

  • Khayarat product shariah compliant deposits

  • Custom Khayarat products tailored to the member's needs with capital protection possibility​