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TOKEN Program

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Because our children have one language in common: Gaming, and in gaming, they pay with “TOKEN”. Thus, we present TOKEN Program to enable them with financial banking practices, as well as to encourage savings and financial planning under the supervision of their parents.

Now with TOKEN Products, your Children can perform their banking transaction easily and safely.
Terms and Conditions

Download Token Program App now!

App logo Google Play

TOKEN Program includes

TOKEN Prepaid Card
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    1. 100% cash withdrawal

    2. Instant notifications

TOKEN Bracelet
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    1. Instant notifications

    2. Distinctive design

TOKEN Mobile Application
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    1. Track spending

    2. Set up and track savings goals

    3. Parental supervision and control

Saving Scheme in cooperation with Social Development Bank
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    1. Saving incentive to be offered to each kid on the growth in their
      savings average balance each month

    2. SDB incentives for a period of 3 years from the date of enrollment or till the age of 18

    3. Financial Literacy by offering teaching content (video clips)

    4. Applicable only for Saudi nationals

How to Apply

For Riyad Bank Customers, apply now through Riyad Mobile 
If you are not a Riyad Bank customer, open your Current Account online, and then you may apply for TOKEN Program through Riyad Mobile 

Key Features for Children:

  • The new Token application
  • Zod Alajiya Program from the Social Development Bank, which offers monthly cash incentives and the opportunity to win prizes
  • A mada prepaid card decorated in colors and designed in a modern way
  • A smart payment bracelet, designed to enable your children to make purchases

Key Features for parents:

  • Easy money transfers to your children
  • Track your children's spending through Riyad Mobile
  • A comprehensive view to follow up on the progress of the level of savings
  • Supervising and helping to achieve financial goals

With more features to be added soon.


  • The guardian must be a Riyad Bank customer
  • The child must be from 6 to 18 years old (you can only register children added in the Family Registry document)
Fees Type
Fees (without Vat)
Card Issuance
Card Annual fee
Card Re-issuance Due to Loss/ Damage
SAR 30
Bracelet Issuance
Bracelet Annual fee
Bracelet Re-issuance Due to Loss/ Damage
SAR 50
Card Expiration
POS fees


The service is available in the following branches:
Branch Name
Branch Code
Working Hours
Sunday to Thursday from 09:30 AM to 04:30 PM
Al-Takhassusi (Ladies)
Sunday to Thursday from 09:30 AM to 04:30 PM
Sunday to Thursday from 09:30 AM to 04:30 PM
Sunday to Thursday from 09:30 AM to 04:30 PM
Sunday to Thursday from 09:30 AM to 04:30 PM
Al-Tahlia (Ladies)
Sunday to Thursday from 09:30 AM to 04:30 PM

How to activate TOKEN Prepaid Card Through Riyad ATMs:

  1. Enter the TOKEN Prepaid Card

  2. Choose “Forget PIN / New Card”

  3. Enter the one-time password sent to the child registered mobile number, then create the new card PIN (4 digits)

Frequently Asked Questions

How can I enroll my child in TOKEN Program?
Who can request the TOKEN Prepaid Card and Bracelet?
How many Cards/ Bracelets can be issued per child?
How can I request the TOKEN Bracelet?
What does the Welcome Pack include?
What is the cost of the card and bracelet?
How can I activate the card?
How can I add this card in Apple Pay?
How can I cancel the card?
Can I monitor my child transactions and financial activity?
What are the supporting devices for Token app?
Can my son / daughter transfer money from their accounts?
Can my son / daughter receive money transfers their accounts?
How does my son / daughter start the savings journey through the Token program?
Is it possible to use the card for online store?
For any inquiries related to the Zod Al-ajial?


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