Phase 4: Activating Operations — Manpower Platforms & Business Bank Account

Now that your company is fully licensed and registered, it’s time to prepare for hiring and financial operations. This phase covers two key areas: subscribing to mandatory manpower management platforms and opening a corporate bank account in Saudi Arabia.

Both are essential to beginning day-to-day operations and remain in full compliance with local laws.

Step 1: Subscribe to Mandatory Manpower Platforms

In Saudi Arabia, companies must register with several government platforms before they can recruit staff, apply for visas, or activate payroll. These platforms ensure labor law compliance, national employment quotas, and real-time workforce monitoring.

Qiwa (Ministry of Human Resources)

Qiwa is the unified digital platform that manages employment contracts, Saudization tracking, and business authorization status.

What You Can Do in Qiwa:

• Create labor files and business profiles
  
• Sign electronic employment contracts
  
• Apply for Nitaqat-related adjustments
  
• Approve organizational changes and job offers
  

* Qiwa registration is a prerequisite for most HR-related services in Saudi Arabia.

GOSI (General Organization for Social Insurance)

Every company must register with GOSI to manage employee social security contributions.

Why GOSI Matters:

• Mandatory for both Saudi and non-Saudi staff
  
• Tracks salaries, contracts, and employer contributions
  
• Integrated with payroll and visa systems
  

* Registering with GOSI requires a verified CR and wage structure.

Mudad (Wage Protection System)

Mudad ensures employees are paid on time and transparently. It links your payroll to GOSI and Ministry of Labor systems.

Use Mudad To:

• Upload payroll statements
  
• Prove compliance with wage protection rules
  
• Avoid fines or contract suspensions
  

* Companies must report wages monthly to maintain good standing with the labor office.

Muqeem (Visa & Residency System)

Muqeem is used to issue and renew Iqamas (residence permits) and track the legal status of foreign employees.

Muqeem Enables:

• Visa issuance and renewal
  
• Health insurance and Iqama tracking
  
• Exit/re-entry permits
  

* Requires your business to be registered with a health insurance provider and have an active GOSI file.

Step 2: Open a Business Bank Account

With all registrations complete, you're now eligible to open a corporate bank account in Saudi Arabia.

Common Requirements:

• Commercial Registration (CR)
  
• MISA license (if foreign-owned)
  
• Municipality license
  
• National Address Certificate
  
• Authorized signatory ID and Power of Attorney
  
• Company stamp
  

Popular Banks Include:

• Riyad Bank
  
• Al Rajhi Bank
  
• Saudi National Bank (SNB)
  
• Bank AlJazira
  
• SABB
  

* Each bank may have different onboarding procedures, especially for foreign-owned companies. Expect due diligence checks and potential in-person interviews.

Important Considerations

• Ensure your municipality license is active — banks and platforms verify it before approval.
• Keep your National Address updated — it's often used for verification across platforms.
• Open your bank account promptly — many government systems require a local IBAN for refunds, fines, and platform payments.

What Comes Next?

With your manpower systems live and your business bank account active, your company is now fully operational — ready to:

• Recruit and onboard staff
  
• Run payroll through integrated platforms
  
• Apply for work visas and manage iqamas
  
• Engage in client and vendor transactions confidently
  

From here, you'll move into Phase 5: Ongoing Compliance — where we help you stay on top of annual license renewals, tax and Zakat filings, iqama management, and other essential obligations to keep your business running smoothly in Saudi Arabia.

Your business is now fully operational in Saudi Arabia.

Our Role at Operational Framework

We help you make this final leap with ease. Our support includes:

• Setting up your Qiwa, GOSI, Mudad, and Muqeem accounts
  
• Troubleshooting documentation mismatches
  
• Liaising with bank officers to open accounts faster
  
• Guiding you through Saudization/Nitaqat compliance
  
• Linking your manpower setup to payroll and accounting software
  

Let us handle the red tape — while you focus on building your team and growing your business.

Contact us or schedule a consultation to get started.