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# Tabby and Tamara in Saudi Arabia

Can I use Tabby or Tamara in Saudi Arabia with an iqama?

Tabby, yes: its Saudi help centre names a valid National ID or Iqama as an accepted document for residents aged 18 and over with a linked card and a good credit record. Tamara publishes no citizen-only rule and asks for a valid ID, a verifiable mobile number and a Saudi-issued card; its Nafath article, seen only in a search preview, also accepts an Iqama, so that point is not fully confirmed.

## What each provider asks residents for

Tabby lists five Saudi requirements: age 18 or older, living in the Kingdom, a valid National ID or Iqama, a debit or credit card linked to the account, and a clean credit history. The identity check happens once, by approving a matching number in the Nafath app. Being a non-Saudi does not appear anywhere as a barrier; what matters is a valid residence document and a card in your name.

Tamara's FAQ sets the bar at over 18, a phone number that can be verified, a valid ID and a payment card issued in Saudi Arabia, the UAE or Kuwait, and it verifies your identity on the first order. Its Nafath help article, which we could only see as a search preview, describes a check using a National ID or Iqama with your date of birth, valid inside Saudi Arabia only. The one Tabby service restricted to Saudi citizens is Tabby Save, a savings portfolio unrelated to paying in instalments.

## Limits, fees and late payments

No provider gives residents or citizens a fixed riyal ceiling. Tabby calculates what you can spend from your repayment record, open orders and basket size; Tamara may refuse a basket above a limit it does not publish. Stores add their own ranges: SAR 200 to SAR 50,000 at eXtra, where under-21s are held to SAR 1,500 with Tabby, and SAR 100 to SAR 5,000 at Trendyol.

With Tabby, splitting into 3 costs nothing extra and splitting into 4 adds a single 1% fee, so a SAR 600 order costs SAR 606 over 4 payments. Longer Tabby plans carry a Murabaha profit disclosed before you accept. Tamara's Saudi terms rule out interest and late payment penalties. Tabby freezes new purchases while a payment is overdue and charges an unpublished one-time fee to reactivate an account in bad standing, and Tamara's terms allow late payments to be reported to credit bureaus, which can affect future approvals anywhere.

## Licensing and where you can pay this way

Both firms operate under the Saudi Central Bank. SAMA announced a consumer finance and BNPL licence for Tamara Finance Company (licence 95/A Sh/202502) and a BNPL licence for Tabby Financing Company (licence 106/أ ش/202510); Tabby added consumer and SME finance licences in June 2026, allowing plans of up to 12 months on purchases over SAR 2,000. SAMA advises checking its register of licensed finance companies before using any instalment app.

Of the 60 Saudi stores in our table, 28 take both, including Amazon.sa, SHEIN, Namshi, Jarir and IKEA. Max Fashion, Home Centre and HungerStation list only Tabby; Al-Dawaa, flyadeal and The Chefz list only Tamara. Watch store conditions: Alsaif Gallery will not take back discounted items bought in instalments.

## Which stores take each

| Store | Tabby | Tamara |
| --- | --- | --- |
| [noon](https://ksa-voucher.com/en/noon-voucher-codes/) | – | – |
| [Trendyol](https://ksa-voucher.com/en/trendyol-voucher-codes/) | Yes | Yes |
| [Namshi](https://ksa-voucher.com/en/namshi-voucher-codes/) | Yes | Yes |
| [Styli](https://ksa-voucher.com/en/styli-voucher-codes/) | Yes | Yes |
| [H&M](https://ksa-voucher.com/en/h-and-m-voucher-codes/) | – | – |
| [Max Fashion](https://ksa-voucher.com/en/max-fashion-voucher-codes/) | Yes | – |
| [Level Shoes](https://ksa-voucher.com/en/level-shoes-voucher-codes/) | Yes | Yes |
| [Foot Locker](https://ksa-voucher.com/en/foot-locker-voucher-codes/) | Yes | Yes |
| [Metro Brazil](https://ksa-voucher.com/en/metro-brazil-voucher-codes/) | Yes | Yes |
| [Go Sport](https://ksa-voucher.com/en/go-sport-voucher-codes/) | – | – |
| [Victoria's Secret](https://ksa-voucher.com/en/victorias-secret-voucher-codes/) | – | – |
| [VogaCloset](https://ksa-voucher.com/en/vogacloset-voucher-codes/) | Yes | Yes |
| [Crocs](https://ksa-voucher.com/en/crocs-voucher-codes/) | Yes | Yes |
| [Nice One](https://ksa-voucher.com/en/nice-one-voucher-codes/) | Yes | Yes |
| [Bath & Body Works](https://ksa-voucher.com/en/bath-and-body-works-voucher-codes/) | Yes | Yes |
| [Al Majed Oud](https://ksa-voucher.com/en/al-majed-oud-voucher-codes/) | – | – |
| [Florose](https://ksa-voucher.com/en/florose-voucher-codes/) | Yes | Yes |
| [Alsaif Gallery](https://ksa-voucher.com/en/alsaif-gallery-voucher-codes/) | Yes | Yes |
| [Alhabib](https://ksa-voucher.com/en/alhabib-voucher-codes/) | – | – |
| [Mumzworld](https://ksa-voucher.com/en/mumzworld-voucher-codes/) | Yes | Yes |
| [Dabdoob](https://ksa-voucher.com/en/dabdoob-voucher-codes/) | – | – |
| [Dr. Nutrition](https://ksa-voucher.com/en/dr-nutrition-voucher-codes/) | – | – |
| [Myprotein](https://ksa-voucher.com/en/myprotein-voucher-codes/) | – | – |
| [Almatar](https://ksa-voucher.com/en/almatar-voucher-codes/) | Yes | Yes |
| [Airalo](https://ksa-voucher.com/en/airalo-voucher-codes/) | No | No |
| [Amazon.sa](https://ksa-voucher.com/en/amazon-voucher-codes/) | Yes | Yes |
| [SHEIN](https://ksa-voucher.com/en/shein-voucher-codes/) | Yes | Yes |
| [Temu](https://ksa-voucher.com/en/temu-voucher-codes/) | – | – |
| [iHerb](https://ksa-voucher.com/en/iherb-voucher-codes/) | Yes | Yes |
| [Boutiqaat](https://ksa-voucher.com/en/boutiqaat-voucher-codes/) | – | – |
| [Golden Scent](https://ksa-voucher.com/en/golden-scent-voucher-codes/) | Yes | Yes |
| [Faces](https://ksa-voucher.com/en/faces-voucher-codes/) | Yes | Yes |
| [Sephora](https://ksa-voucher.com/en/sephora-voucher-codes/) | – | – |
| [Arabian Oud](https://ksa-voucher.com/en/arabian-oud-voucher-codes/) | Yes | Yes |
| [Nahdi](https://ksa-voucher.com/en/nahdi-voucher-codes/) | Yes | Yes |
| [Al-Dawaa](https://ksa-voucher.com/en/al-dawaa-voucher-codes/) | – | Yes |
| [Jarir](https://ksa-voucher.com/en/jarir-voucher-codes/) | Yes | Yes |
| [eXtra](https://ksa-voucher.com/en/extra-voucher-codes/) | Yes | Yes |
| [IKEA](https://ksa-voucher.com/en/ikea-voucher-codes/) | Yes | Yes |
| [Home Centre](https://ksa-voucher.com/en/home-centre-voucher-codes/) | Yes | – |
| [Nana](https://ksa-voucher.com/en/nana-voucher-codes/) | – | – |
| [Ninja](https://ksa-voucher.com/en/ninja-voucher-codes/) | – | – |
| [Carrefour KSA](https://ksa-voucher.com/en/carrefour-voucher-codes/) | – | – |
| [HungerStation](https://ksa-voucher.com/en/hungerstation-voucher-codes/) | Yes | – |
| [Jahez](https://ksa-voucher.com/en/jahez-voucher-codes/) | – | – |
| [Keeta](https://ksa-voucher.com/en/keeta-voucher-codes/) | – | – |
| [The Chefz](https://ksa-voucher.com/en/the-chefz-voucher-codes/) | – | Yes |
| [Careem](https://ksa-voucher.com/en/careem-voucher-codes/) | – | – |
| [Uber](https://ksa-voucher.com/en/uber-voucher-codes/) | – | – |
| [Jeeny](https://ksa-voucher.com/en/jeeny-voucher-codes/) | – | – |
| [Almosafer](https://ksa-voucher.com/en/almosafer-voucher-codes/) | – | – |
| [flynas](https://ksa-voucher.com/en/flynas-voucher-codes/) | Yes | Yes |
| [flyadeal](https://ksa-voucher.com/en/flyadeal-voucher-codes/) | – | Yes |
| [Saudia](https://ksa-voucher.com/en/saudia-voucher-codes/) | – | – |
| [Gathern](https://ksa-voucher.com/en/gathern-voucher-codes/) | Yes | Yes |
| [Booking.com](https://ksa-voucher.com/en/booking-voucher-codes/) | – | – |
| [Ounass](https://ksa-voucher.com/en/ounass-voucher-codes/) | Yes | Yes |
| [6thStreet](https://ksa-voucher.com/en/6thstreet-voucher-codes/) | Yes | Yes |
| [Centrepoint](https://ksa-voucher.com/en/centrepoint-voucher-codes/) | – | – |
| [VOX Cinemas](https://ksa-voucher.com/en/vox-cinemas-voucher-codes/) | – | – |

## Questions shoppers ask

**Do I need a Saudi bank card?**

Tabby asks for a valid debit or credit card linked to your account. Tamara asks for a valid payment card issued in Saudi Arabia, the UAE or Kuwait.

**How do residents verify their identity?**

Through Nafath. Tabby shows a number that you approve in the Nafath app; Tamara verifies ID on the first order, and per a search preview of its help article the check uses a National ID or Iqama plus date of birth.

**Is there an age limit?**

Both require you to be at least 18. At eXtra, Tabby purchases are capped at SAR 1,500 for shoppers aged 18 to 21.

**Will a late payment hurt my credit record?**

It can. Tamara's Saudi terms allow late payments to be reported to credit bureaus, and its FAQ lists a Simah flag as a reason for declines. Tabby blocks new purchases until overdue amounts are paid.

**Can I use a Tamara deal with a store voucher code?**

No. Tamara's Exclusive Deals work in its app only, need no pending late payments, and cannot be combined with store codes.

## Sources

- [Tabby KSA help: Am I eligible to use Tabby?](https://tabby.sa/en-SA/help/help-get-started/am-i-eligible-to-use-tabby) · 10 November 2026
- [Tabby KSA help: National ID verification](https://tabby.sa/en-SA/help/help-account-and-settings/how-do-i-complete-my-national-id-verification) · 10 November 2026
- [Tabby KSA help: Are there any fees to use Tabby?](https://tabby.sa/en-SA/help/help-get-started/are-there-any-fees-to-use-tabby) · 10 November 2026
- [Tabby KSA help: What happens if I miss a payment?](https://tabby.sa/en-SA/help/help-payments/what-happens-if-i-miss-a-payment) · 10 November 2026
- [Tamara FAQ](https://cdn.tamara.co/static/faq-en.html) · 10 November 2026
- [Tamara KSA terms and conditions](https://tamara.co/en-SA/terms-and-conditions) · 10 November 2026
- [Tamara support: Nafath verification (search preview only)](https://support.tamara.co/en-US/articles/16dBqsflOAo2aZFvtDvnsl) · 10 November 2026
- [SAMA: Licence for Tamara Finance](https://www.sama.gov.sa/en-US/MediaCenter/News/Pages/news-1079.aspx) · 10 November 2026
- [SAMA: BNPL licence for Tabby finance](https://www.sama.gov.sa/en-US/MediaCenter/News/Pages/news-1116.aspx) · 10 November 2026
- [eXtra: Tabby terms](https://www.extra.com/en-sa/tabbyterms) · 9 November 2026

Source: https://ksa-voucher.com/en/tabby-tamara/