Working in Saudi Arabia: Qiwa, Iqama and Saudization explained

The platforms, permits and quota rules every expat employee in the Kingdom should understand before signing.

Saudi Arabia9 min readLast updated 24 Oct 2026Fact-checked 24 Oct 2026

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In short

Every contract is documented on Qiwa, salaries are paid through Mudad and the iqama is tied to your employer. Saudization (Nitaqat) quotas decide which jobs are open to foreigners, so check before you accept.

Working week
48 hours, 36 in Ramadan for Muslims
Income tax
0% for employees
Annual leave
21 days, 30 after 5 years
End of service
Half a month per year (first 5), then a full month

Step by step

Your progress0 / 4

Tick each step as you finish it. Open a step to see what to do.

  1. Some professions are reserved for Saudis under Nitaqat.

    Before applying

Documents checklist

Documents ready0 / 4

Do’s and don’ts

Do

  • Check your Qiwa contract terms match your offer
  • Ask who pays the dependent fee
  • Register with the Saudi Council of Engineers or SCFHS if your profession requires it

Don’t

  • Don’t work for a second employer without permission
  • Don’t leave on final exit before receiving end-of-service pay

Cost estimator

Your estimateSAR 900 – 2,400

Untick what doesn't apply to you. These are rough figures and fees change often, so check with the authority.

Watch out

  • Housing allowances are often paid quarterly or annually. Plan your cash flow for the first months.

Common questions

Is there an unemployment benefit?

SANED covers Saudi nationals. Expats are not covered.

What happens if my employer stops paying?

You can file a complaint through the Ministry of Human Resources and request a transfer.

Background and more detail

The three platforms you will use

  • Qiwa holds your employment contract and work permit. You can view and accept contract changes here.
  • Absher is the Ministry of Interior portal for your Iqama, exit and re-entry visas, and family records.
  • Muqeem is used by employers to manage residency for their staff.

Saudization (Nitaqat)

Companies are graded by the share of Saudi nationals they employ. Firms in the lower bands can lose the ability to issue new visas or renew permits. Some job titles, especially in HR, sales and administration, are reserved for Saudis. Before you accept, confirm your job title can legally be held by an expatriate.

The Iqama

Your residence permit is issued digitally after arrival and must be renewed regularly. Your employer pays the work permit levy. Dependants carry their own monthly fee, which some employers reimburse.

Contract and labour reforms

Since 2021 many expats can change employer at the end of their contract without the employer's consent, and can request exit and re-entry visas themselves through Absher. Read the contract terms on notice period and non-compete carefully.

Professional accreditation

Engineers, healthcare workers, accountants and several other professions need accreditation from the relevant Saudi body before the visa is issued. Start this early because it is often the longest step.

Pay and allowances

A typical package is basic salary plus housing (often 25% of basic) and transport (often 10% of basic). There is no personal income tax. Expats are not part of the pension scheme but GOSI covers occupational hazards.

Premium Residency

Highly paid specialists, investors and entrepreneurs can apply for Premium Residency, which removes the need for an employer sponsor. See our dedicated guide.

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