The Saudi Central Bank (SAMA) has officially released the long-term schedule for Saudi bank holidays. This detailed calendar covers all financial institutions and payment service providers from 2026 to 2029. Specifically, it outlines closures for Islamic festivals and national celebrations. Consequently, businesses and expatriates can now plan their financial operations years in advance. This transparency is part of the Kingdom’s goal to create a world-class, predictable financial environment. Furthermore, the announcement includes specific operating hours for the Saudi Arabian Riyal Interbank Express System (RTGS).
Eid al-Fitr and Eid al-Adha: Bank Closure Dates
Islamic holidays form the core of the Saudi bank holidays schedule. Notably, the bank closures for Eid al-Fitr (the end of Ramadan) are as follows:
| Year | Eid al-Fitr Bank Holidays |
| 2026 | March 17 – March 23 |
| 2027 | March 7 – March 11 |
| 2028 | February 27 – March 2 |
| 2029 | February 12 – February 18 |
Similarly, Eid al-Adha brings extended breaks each year. For instance, in 2026, banks will remain closed from May 24 to May 28. Therefore, it is vital to process urgent remittances before these dates to avoid delays.
Fixed National and Founding Day Holidays
Unlike lunar-based festivals, national holidays fall on fixed dates. However, SAMA has clarified the rules for weekend adjustments.
- Founding Day: February 22
- National Day: September 23
If these holidays fall on a Friday, banks will observe the holiday on Thursday. Conversely, if they fall on a Saturday, the closure shifts to Sunday. This ensures a continuous flow of services for the Saudi public while respecting national celebrations.
Ramadan Timings and RTGS Operations
During the holy month of Ramadan, Saudi bank holidays are supplemented by adjusted working hours. Specifically, branches serving the public will operate from 10:00 a.m. to 4:00 p.m. Meanwhile, remittance centers may offer more flexible six-hour shifts. The RTGS system will also follow a strictly regulated schedule to ensure interbank settlements remain stable. Indeed, these measures balance cultural observance with the needs of a fast-moving economy.
Special Provisions for the Hajj Season
To support the millions of pilgrims, SAMA has issued special directives. Notably, seasonal branches in Makkah, Madinah, and at all border crossings will remain open. Furthermore, these branches must operate even on weekends during the peak Hajj period. As a result, travelers and visitors will always have access to essential currency exchange and banking services.
Conclusion: Planning Your Financial Year
This 4-year roadmap by SAMA is a major win for transparency. In conclusion, knowing the Saudi bank holidays in advance allows for smoother business logistics and personal financial planning. Always remember that while physical branches may close, digital banking and ATMs will remain operational 24/7. Stay updated with SAMA’s official portal for any last-minute changes to these schedules.
