| Characteristics | Savings Account | Albilad Account with Monthly Returns | Investment Wakalah Program |
| Profits Calculation Start Date | From the date of depositing the amount | From the date of depositing the amount | From the date of depositing the amount |
| Profit Calculation Period | On the last day of every calendar month | On the last day of every calendar month | On the completion of tenor / At maturity |
| Issuance of "mada" Debit Card | Not Available | Available | Not Available |
| Account Categories | Based on the saving period | Based on the balance | Based on the investment period |
| Profit Calculation Mechanism | Average balance during the month | Based on account currency | Average balance during the month |
| Additional Deposit Calculation | The additional deposit is calculated upon profits distribution | The additional deposit is calculated upon profits distribution | Additional deposit are not allowed, new Investment Wakalah deposit can be created with new start date for each additional investment |
| The minimum qualifying amount for profit sharing | SAR 1,000 | SAR 5,000orUSD1,000 | SAR 100,000 or USD 30,000 |
| Transfers | Limited transfers are accepted during the saving period | Unlimited transfers and withdrawals from the account at all times during the month | Transfers to / from the Investment Wakalah are not allowed. The Investment Wakalah can be cancelled before maturity but no profit will be paid |
| Profit Distribution Ratio | 90% - 100% | SAR-80% | Based on anticipated profit rate at the time of booking of Investment Wakalah deposit |
| Eligible Participants | Individuals Only | Individuals / Companies / Institutions / Entities | Individuals Only |
| Account Opening Process | Online Albilad Net | Online via or Albilad Branches | Albilad Netor Albilad Branches |