How to Check and Pay Water Bills in Saudi Arabia

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Managing your water bills in Saudi Arabia has become significantly more convenient with digital banking solutions. This comprehensive guide will walk you through every step of checking and paying your water bills using all major Saudi banks’ platforms.

National Water Company and SADAD System

Before diving into bank-specific procedures, it’s important to understand the infrastructure behind water bill payments in Saudi Arabia. The National Water Company (NWC) is the primary water service provider, serving millions of beneficiaries across the Kingdom. All water bill payments are processed through the SADAD system – a centralized electronic bill presentment and payment platform operated by the Saudi Central Bank (SAMA).

Water services use the SADAD biller code 015, which you’ll need when setting up payments through various banking channels. The National Water Company is also assigned SADAD biller code 138.

Finding Your Water Account Number

Your water account number is essential for checking and paying bills. Here are the primary ways to locate it:

From Physical Bills: The account number is typically printed on water bills sent to property owners. If you’re a tenant, request this information from your landlord.

Through NWC Mobile App: Download the official National Water app from Google Play Store or App Store to access your account information directly.

From Building Management: For rental properties, the building owner or property manager should provide you with the account number.

Step-by-Step Guide to Check and Pay Water Bill – Major Banks

Al Rajhi Bank

Mobile Banking App Method:

1. Open the Al Rajhi Bank mobile application
2. Log in to your account
3. Navigate to “Payments” from the main menu
4. Select “Add New Bill” for permanent setup, or “One-Time Payment” for single payments

Choose “Public Services”

Select “National Water Company” or enter biller code 015 or 138

Enter your NWC subscriber/account number

Click “View Bill” to see the amount due

Choose to pay the full amount or enter a partial payment

Confirm and complete the payment

Internet Banking Method:

1. Log in to Al Rajhi Online Banking
2. Select “Payments” from the left menu
3. Click “One-Time Payment”
4. Select “Government Services”
5. Choose water services subcategory
6. Enter your bill number and follow the prompts

Saudi National Bank (SNB) / National Commercial Bank (NCB)

Mobile Banking Method:

1. Download and log in to the SNB mobile application
2. Click on “Menu”
3. Select “SADAD”
4. Choose “One-Time Bill Payment”
5. Select “Gov. Agencies”
6. Choose “015: Water Services” or 138
7. Enter your account number
8. Review and pay the displayed bill amount

ATM Method:

1. Insert your SNB card and login
2. Go to “Bill Payments” > “Utilities” > “National Water Company”
3. Enter your NWC account number
4. View the bill amount and proceed with payment

Riyad Bank

Digital Channels:

1. Access Riyad Online or Mobile Banking
2. Navigate to “SADAD” services
3. Select “Bill Payment”
4. Choose water services (code 015 or 138)
5. Enter your account details and process payment

The bank offers comprehensive SADAD services through multiple channels including branches, ATMs, phone banking, and digital platforms.

SABB (Saudi British Bank)

Mobile Banking Process:

1. Open SABB mobile banking app and login
2. Navigate to “Menu”
3. Select “Bills and Payments”
4. Choose “Add/Manage Bills”
5. Add new beneficiary for National Water Company
6. Enter subscriber number and complete setup
7. Pay bills directly through the saved beneficiary

Alinma Bank

Mobile App Method:

1. Launch Alinma Bank mobile application
2. Navigate to “Payments”
3. Select “Add New Bill” or “One-Time Payment”
4. Choose “Public Services”
5. Select “138 National Water Company”
6. Go to “Bills” section
7. Enter bill number and add a short name
8. Activate the bill with verification code
9. Pay full amount or partial payment as needed

Other Channels:

• Alinma Phone: 8001208000
• Online banking at www.alinma.com
• ATM machines
• Branch locations

Saudi Investment Bank (SAIB)

SADAD Services:
SAIB offers SADAD payments through multiple channels:

• Flexx Click (Internet Banking)
• Flexx Touch (Mobile Banking)
• Flexx Call (Phone Banking)
• ATM network
• Branch locations

The process follows standard SADAD protocols with biller code 015 for water services.

Emirates NBD Saudi Arabia

Payment Options:
Emirates NBD customers can pay water bills through:

• SADAD from any local bank
• Online payment through Emirates NBD internet banking
• Mobile banking application
• Phone banking: 8007547777 or +966112825566

Arab National Bank (ANB)

ANB Net (Internet Banking):

1. Access anb Net online banking platform
2. Use the bill payment functionality for utility bills
3. Select water services through SADAD system
4. Enter account details and process payment

Multiple Channel Access:

• Internet banking (anb Net)
• Mobile banking
• Phone banking (8001244040)
• ATM network
• Branch locations

Alternative Payment Methods

National Water Company Mobile App

The official NWC mobile app offers the most direct payment method:

1. Download “National Water” app from app stores
2. Register or login to your account
3. Access “Electronic Payment” feature
4. View bill details and pay directly
5. Track payment history and service requests

The app provides over 30 services including water tank requests, meter activation, and service complaints.

ATM Payments or STC Bank or UR Pay Wallet

Most Saudi banks offer water bill payment through ATMs:

1. Insert your bank card and login
2. Navigate to “Bill Payments” or “SADAD”
3. Select “Utilities” or “Water Services”
4. Enter your NWC account number
5. Confirm payment amount and complete transaction

Branch Payments

All major banks accept SADAD payments at branches, even for non-customers. Simply visit any bank branch with:

• Your water account number
• Cash or valid payment method
• Identification documents

Understanding Water Bill Costs

Saudi water bills follow a tiered pricing structure:

Consumption Range	Water Rate (SAR/m³)	Sewage Rate (SAR/m³)	Total Rate (SAR/m³)
0-15 m³	0.10	0.05	0.15
16-30 m³	1.00	0.50	1.50
31-45 m³	3.00	1.50	4.50
46-60 m³	4.00	2.00	6.00
Above 60 m³	6.00	3.00	9.00

Additionally, monthly service charges apply based on meter diameter:

• 0-20mm: SAR 5.00
• 25-40mm: SAR 10.00
• 50mm and above: SAR 15.00

Payment Options and Installment Plans

Installment Programs

NWC offers flexible payment options for both bills and new connections:

Bill Installments:

• Available for amounts SAR 1,000 and above through NWC
• Credit card installments through partner banks (Al Rajhi, Al Jazira, Riyad Bank, SABB, Saudi Investment Bank, Emirates NBD)
• Minimum amount for bank installments: SAR 500

Connection Installments:

• NWC direct: Minimum SAR 4,100 with SAR 3,500 down payment
• Monthly installments from SAR 200 with no interest
• Bank credit card options with varying terms

Partial Payments

You can pay half or more of your bill amount as a partial payment option, providing flexibility for budget management.

Troubleshooting Common Issues

Account Number Not Found:

• Verify the account number with your landlord or property manager
• Check if your meter information needs verification through NWC app
• Contact NWC customer service at 8004411110

Payment Processing Issues:

• Ensure sufficient account balance
• Verify correct biller code (015 or 138)
• Try alternative banking channels (ATM, branch, phone banking)

Bill Amount Discrepancies:

• Use NWC mobile app to report billing disputes
• Submit complaints through official channels
• Request detailed consumption breakdown

Important Tips for Efficient Bill Management

• Set Up Automatic Payments: Most banks allow recurring bill payment setup for convenience.

• Keep Records: Save payment confirmations and reference numbers for future reference.

• Monitor Consumption: Use the Saudi Water Authority’s online bill calculator to estimate costs based on usage.

• Stay Updated: Follow NWC announcements for service updates and new payment options.

• Multiple Account Management: If you manage multiple properties, organize account numbers clearly in your banking apps.

Security and Best Practices

Always ensure you’re using official banking apps and websites. Verify URLs and app authenticity before entering sensitive information. Keep your account numbers confidential and report any suspicious activity immediately to your bank and NWC.

The integration between Saudi banks and the SADAD system makes water bill payments seamless and secure. Whether you prefer mobile banking, internet banking, ATMs, or physical branches, multiple convenient options are available 24/7 to manage your water bills efficiently.

By following this comprehensive guide, you can easily navigate the water bill payment process across all major Saudi banks, ensuring timely payments and uninterrupted water services for your property.

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