Promissory Note template
نموذج سند لأمر
Last updated: 17 Oct 2026
A ready-to-edit Word promissory note template for Saudi Arabia, with a checklist of the seven mandatory particulars without which the note may lose its enforceability, and guidance on issuing it through the Nafith platform.
English translation for reference (machine-translated). The Word download and the version you sign are in Arabic.
Notice: This template is for general guidance and information only and does not constitute legal advice. The appropriate wording varies from case to case, and we recommend having a licensed lawyer review any document before you sign it.
A promissory note is a commercial instrument, not merely an acknowledgement of debt. If it contains its mandatory particulars, it becomes an enforceable instrument that is submitted directly to the Enforcement Court without the need to file a lawsuit and obtain a judgment, and the debtor is notified to pay within a short period. This power is exactly why it carries risk: the absence of an essential particular among the seven listed below may strip the document of its status and turn it into an ordinary document requiring a full lawsuit. But not every omission is fatal: a note that does not state a maturity date is deemed payable at sight, and a note that does not state the place of payment or the maker's domicile is deemed to have its place of issue as the place of payment and the maker's domicile. Review the checklist before signing — whether you are the signatory or the beneficiary.
An electronic promissory note is created through the Nafith platform of the Ministry of Justice, signed via the National Single Sign-On (Nafath) and accepted electronically by the beneficiary — in practice it is the safest option.
An electronic promissory note is created through the Nafith platform of the Ministry of Justice, signed via the National Single Sign-On (Nafath) and accepted electronically by the beneficiary — in practice it is the safest option.
Mandatory Particulars of a Promissory Note — Check Them All
| # | Particular | Present? |
|---|---|---|
| 1 | The words "promissory note" written in the body of the note, in the language in which it is written | ☐ |
| 2 | An unconditional undertaking to pay a specified sum of money | ☐ |
| 3 | The maturity date | ☐ |
| 4 | The place of payment | ☐ |
| 5 | The name of the person to whom, or to whose order, payment is to be made (the beneficiary) | ☐ |
| 6 | The date and place of issue of the note | ☐ |
| 7 | The signature of the maker of the note (the promisor) | ☐ |
Promissory Note Template
Promissory Note
Amount: (............) Saudi riyals In figures: ............ In words: ........................ Saudi riyals only. Place and date of issue: City of ........, on / / AH corresponding to / / AD. I, the undersigned, undertake to pay under this promissory note, by an unconditional undertaking, the sum of (........................) Saudi riyals. To the order of the beneficiary: Mr/Ms ........................ (or the establishment ........................, Commercial Registration No. ............), National ID/Iqama No.: ............ Maturity date: on / / AH (or: at sight / ........ days after the date of issue). Place of payment: City of ........, address: ........................ Promisor (maker of the note): Name: ........................ · Nationality: ........ · National ID/Iqama No.: ............ National address: ........................ · Mobile: ............ Signature: ........................Practical Notes
- For the beneficiary: make sure the name and ID number match the official ID, and that the amount is clear in figures and in words and that both match. A discrepancy between them is a source of disputes.
- For the promisor: do not sign a blank note or one with the amount not written in. Sign only once all particulars are complete.
- It is preferable to issue the note electronically through the Nafith platform; it is more reliable as evidence and easier to enforce.
- A note that meets its requirements is submitted directly to the Enforcement Court, without filing a substantive lawsuit.
- The promisor's capacity and consent and the cause of the obligation are governed by the Civil Transactions Law, and the note may be challenged on the grounds of defective consent or absence of cause.
Need a promissory note reviewed before signing or enforcing it?
Contact a lawyer or law firm in your city directly through the KSA Lawyers directory.
Lawyer in Riyadh Lawyer in Jeddah Lawyer in Makkah Lawyer in Madinah Lawyer in Dammam Lawyer in Khobar
Need a lawyer to review this contract?
Contact a licensed lawyer in your city to tailor the wording to your situation before you sign.
This template is for general guidance only and isn't legal advice. The right wording depends on each case. Contracts filed with Saudi courts or platforms are normally in Arabic.