Sanabil Daily pays up to 6% a year on balances up to SAR 100,000

How to Benefit from the Offer

• Enter promo code (such as SND96 or other codes available across our channels) when opening your Sanabil Daily Account, or in the "Promo Code" field on your Profile page.
• Transfer your salary to D360 Bank through your employer to benefit from the highest expected profit rate available under the offer.
• Deposit the required amount into your Sanabil Daily Account based on the balance tiers outlined in the table below.
• A minimum balance of SAR 2,500 must be maintained in the account to start earning daily profits.
• Profits are calculated and credited to the customer’s account on a daily basis.

Offer Duration

From 20^th September 2026 to 4^th January 2027

Annual Equivalent Rate (AER)

Annual Equivalent Rate (AER), is the percentage return you can expect to earn over the course of one year.

* Represents the expected annual equivalent rate under this promotion, for the period shown.

For amounts exceeding SAR 100,000, the annual equivalent rate applicable to the first SAR 100,000 will be calculated according to the table above, while an annual equivalent rate of 4% will apply to any amount exceeding that for customers with salary transfer, and 3% for customers without salary transfer.

Example:

• Total savings = SAR 109,000
• Expected profit rate on SAR 100,000 = up to 6% annually until the end of 4 January 2027.
• Expected profit rate on the additional SAR 9,000 = up to 4% annually until the end of 4 January 2027.

Salary transfer eligibility window

Customers whose salary arrives later initially receive the applicable non-salary rates. The difference in profit is credited as follows:

• Salary deposited on or before 31 October 2026: The difference is calculated retroactively from the date the customer entered the promotional code, but no earlier than 20 September 2026, and credited no later than the end of 9 November 2026.
Example: If the customer enters the promotional code on 20 September 2026 and their salary is deposited on 25 October 2026, the difference is calculated from 20 September 2026 and credited no later than the end of 9 November 2026.

• Salary deposited after 31 October 2026: The difference is calculated retroactively for eligible days starting from the first day of the month in which the salary is deposited. No difference is paid for earlier months. Payment is made no later than the end of the 9th day of the following Gregorian calendar month.
Example: If the customer’s salary is deposited on 30 November 2026, the difference is calculated for eligible days in November only and credited no later than the end of 9 December 2026.

To qualify for salary transfer rates, the customer’s salary must be transferred through their employer, and their monthly salary, as registered in the Bank’s systems, must be SAR 2,000 or more.

Customers whose salary is already transferred to D360 Bank through their employer before the offer starts receiving the applicable salary transfer rates for their balance tier daily, from the date they join the offer.

Terms & Conditions

Campaign Overview

• This Campaign is organized and managed by D360 Bank, a Saudi joint stock company licensed and regulated by the Saudi Central Bank (SAMA), with Commercial Registration No. 1010822737 and its registered office at 7913 King Abdulaziz Rd, 2122 Al Arid Dist., 13332 Riyadh, Kingdom of Saudi Arabia ("D360 Bank", "we", "us", or "our").
• By participating in this Campaign, each eligible participant ("Participant", "you", or "your") agrees to these Terms & Conditions.
• The Campaign will run from Sunday September 20th 2026 to Monday January 4th 2027.
• This Campaign is not sponsored, endorsed, or administered by, nor associated with, any third-party platform on which it may be promoted.
• Entries submitted after the closing date will not be considered.

Definitions

For the purposes of these Terms & Conditions:

• "Campaign" means the Sanabil Daily National Day Campaign conducted by D360 Bank.
• "Campaign Period" means the period from September 20th 2026 to January 4th 2027.
• "Participant" means an individual who satisfies the eligibility criteria set out in these Terms & Conditions.

Participation Mechanics

• You must use one of the campaign's approved promo codes (such as SND96 or other codes available across our channels) to benefit from the offer. All codes activate the same offer.
• The promotional code may be used one time per customer, and must be entered on or before January 4th 2027.
• The customer becomes eligible for the offer from the date they enter the promotional code, but no earlier than 20 September 2026, subject to meeting the eligibility requirements.

Eligibility

• Participation is open to individuals residing in the Kingdom of Saudi Arabia who are aged 18 years or above. Participants must use their legal name. Proof of identity may be required to claim any Campaign benefit.
• We reserve the right to disqualify any participant or entry that does not comply with these Terms & Conditions or is deemed to be fraudulent, misleading, or in breach of applicable rules.

Offer Terms

• The offer rates are paid on the first SAR 100,000 in the account. Amounts above SAR 100,000 earn the rate shown for their balance tier.
• Customers who transfer their monthly salary to D360 Bank through their employers, earn the salary transfer rates. Salary transfer status is assessed at the point at which profit is calculated.
• Customers must maintain a minimum balance of SAR 2,500 throughout the day to earn profit for that day.
• Profit is calculated on the minimum balance maintained in the account between 00:00 and 23:59, and profit earned each business day is credited to the customer's account at 9:00 AM the following day.
• The Sanabil Daily Savings Account follows Islamic banking principles, with all transactions and profit distributions compliant with Shariah guidelines.
• The offer may not be combined with any other Sanabil Daily Savings Account offer.
• Any difference in profit will be credited retroactively in accordance with the conditions and deadlines set out in the “Salary transfer eligibility window” section.
• The offer rates shown in the tables apply to the first SAR 100,000 in the account. Any amount above SAR 100,000 earns an expected annual equivalent rate of 4% for customers eligible for salary transfer rates, or 3% for customers without salary transferred to D360.

General Provisions

• These Terms & Conditions are governed by the laws of the Kingdom of Saudi Arabia, and any disputes shall be subject to the jurisdiction of its courts.
• The terms and conditions of the Sanabil Daily Account shall apply in addition to these promotional terms and conditions.
• We reserve the right to disqualify any participant or entry that does not comply with these Terms & Conditions or is deemed to be fraudulent, misleading, or in breach of applicable rules.
• D360 Bank is committed to delivering all the benefits and conditions advertised during the offer period in accordance with what is set out in these Terms and Conditions. The Bank may amend, suspend, or terminate the offer before its expiry in the event of any statutory or regulatory requirements, or instructions issued by the Saudi Central Bank (SAMA), provided that customers are notified in advance, and that this does not affect any rights or benefits the customer has already accrued.
• For any inquiries related to the Campaign, please contact [8001244410].
• Personal data collected in connection with the Campaign will be processed in accordance with D360 Bank’s Privacy Policy ( D360 Bank | Privacy Policy )
• Customers who activated the offer on or before 30 September 2026 are subject to the version of the terms and conditions outlined on the following page: D360 Bank | Earn up to 9.6% with Sanabil Daily