Etimad Platform (منصة اعتماد)

🏛 Saudi Ministry of Finance Digital Platform

Etimad Platform (منصة اعتماد)

The central, mandatory digital gateway of the Saudi Arabian Ministry of Finance. It is operated by the National Center for Government Resource Systems (NCGR). The platform fully transforms financial interactions between government, the private sector, and citizens as part of Saudi Vision 2030.

❖ Operator: NCGR
❖ Regulator: Saudi Ministry of Finance
❖ Integrations: ZATCA, Nafath, Qiwa

Key Platform Metrics

90%+Of all Saudi government procurement
94.36%Maturity Index (DGA)
94.36%

Data from the Digital Government Authority (DGA) — ranked 2nd nationwide in Saudi Arabia.

Platform Functional Modules

Etimad separates functionality by user role, providing specialized tools for businesses, government agencies, and individual citizens.

📦 Government Procurement (Tenders)

Search current government tenders, purchase bidding documents, submit commercial offers electronically, and take part directly in government auctions.

✍️ Digital Contracting (Contracts)

Automated approval of contracts with government agencies and signing via digital signature, integrated with STC / Nafath.

💳 Payment Management (Financial Claims)

Submit completion certificates (KS-3), track financial claims in real time, and receive payments directly from the Ministry of Finance.

🏦 Bank Guarantees

Electronic issuance, verification, and management of bank guarantees with no paper documentation.

📊 Budget Planning

Prepare, submit, and coordinate agency budgets for the fiscal year with the Ministry of Finance's central office.

💸 Expenditure Approval

Oversight and authorization of financial and budgetary operations, commitments, and project disbursements.

👥 Civil Service & Workforce

Manage government staffing tables, payroll, and compensation.

🛒 Running Procurements

Publish tenders, review supplier bids, and select winners in a secure environment.

📄 Salary Certificate

Generate and verify an official digital income document for civil servants, for submission to banks and fintech services.

✈️ Official Government Travel

Process travel orders, book, and automatically issue flights and travel documents for official trips.

Accreditation Process

Supplier Registration on Etimad

Click a stage of the process to see the detailed requirements and steps for registering your company.

1. System Identification

Sign-in is handled through the national single sign-on portal, Nafath / Absher. Foreign companies without a registered branch in Saudi Arabia gain access through an authorized representative holding a valid Iqama.

2. Completing the Company Profile

Enter the Commercial Registration (CR) number, legal details, and select the relevant industry activity codes under the ISIC standard.

3. Uploading Required Documentation

Provide valid ZATCA certificates (tax and VAT), a GOSI certificate (social insurance), proof of Saudization level (Nitaqat), and certified document translations for international applicants.

4. Annual Subscription Payment

Pay the fixed registration fee of SAR 1,500 (~USD 400) through the national SADAD payment system using biller code 141.

5. Automatic Verification

All submitted data is cross-checked against the Saudi Ministry of Commerce registries. Once validated, the supplier profile is instantly activated for participation in government procurement.

apiportal.etimad.sa

REST API Integration

Bank and fintech developers can interact directly with the Saudi Ministry of Finance's registries.

API NameSalary Certificate API
EndpointPOST /v1/individual/salary-verification
Use Case

Automated salary verification. When a customer applies for a loan, the bank's mobile app sends a request to the Etimad API, receives verified income data, and instantly calculates the credit limit.

AuthorizationOAuth 2.0 + Mutual TLS
Sample Payload (Request / Response)
{
  "national_id": "1098765432",
  "verification_code": "ETMD-8849-X",
  "status": "VERIFIED",
  "salary_details": {
    "basic_salary": 14500.00,
    "housing_allowance": 3500.00,
    "net_salary": 18000.00,
    "currency": "SAR"
  }
}
API NameBank Contracts Inquiry API
EndpointGET /v1/banking/contracts/inquiry
Use Case

Government contract data inquiry. A contractor who won a tender approaches a bank for factoring. The bank requests the contract terms, payment schedule, and completion milestones directly from the Ministry of Finance database.

AuthorizationOAuth 2.0 + Mutual TLS
Sample Payload (Request / Response)
{
  "contract_id": "SA-GOV-2026-9921",
  "vendor_cr": "1010099881",
  "total_value": 4500000.00,
  "currency": "SAR",
  "disbursement_schedule": [
    { "phase": 1, "status": "PAID", "amount": 1500000.00 },
    { "phase": 2, "status": "PENDING", "amount": 3000000.00 }
  ]
}

Etimad Integration Ecosystem

The platform is seamlessly connected to Saudi Arabia's key government registries:

ZATCAVAT and tax certificate verification
GOSI & QiwaSaudization (Nitaqat) and social insurance verification
Nafath / AbsherNational biometric identity verification
SADAD (Biller 141)Instant payment of subscriptions and tender fees

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