mada gives Saudi merchants domestic debit-card acceptance, while SADAD handles bill payments and instant transfers connect bank accounts. Wallets and international cards add routes in a riyal economy with approximately 37 million residents and GDP per capita near US$34,500 in 2025.
Cash in Saudi Arabia
Cash is losing ground quickly: electronic methods handled 85% of Saudi retail payments in 2025, up from 79% in 2024. mada debit cards and growing acceptance of digital payment methods are central to this shift in everyday spending.
Payment Methods
Estimated Monthly Usage, Aurato Research, October 2026
Schemes
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Systems
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