Help Center

We’re happy to introduce you to Tamra Capital. We are a closed joint-stock company with Commercial Registration No. 4030414862, licensed by the Capital Market Authority (CMA) in Saudi Arabia under license number 20212 – 30 to provide investment advisory and management services.

We use the latest technologies to help individuals invest and manage their money across local and global markets.

Tamra is proud to be the first company in Saudi Arabia to offer robo-advisory services with a full investment management license.

Tamra Capital was founded as a Saudi initiative by Salahuddin Jamal Khashoggi and Hattan Ibrahim Rees, after realizing how hard it was for individuals to access simple and automated investment solutions.

Today, Tamra is backed by a group of shareholders who believe in the product and the vision we aim to achieve.

• Tamra received its CMA license in 2021 as the first Saudi company to officially offer robo-advisory services.
• We started serving clients in August 2022, marking a new beginning in smart and automated investing.

🕒 From day one, Tamra’s goal has been to make investing easy for everyone—no complexity, no tough conditions.

Tamra Capital offers many features that build trust and make your investment journey easier:

• A fully digital experience through the app—from registration to performance tracking
• Low fees with great returns
• Diversified portfolios covering over 1,000 stocks in 55 countries
• Different risk levels to match your investment goals
• Transparent and updated reports
• A professional team of investment experts and customer care specialists
• Shariah-compliant investments
• Accurate Zakat calculation that reduces the rate to less than 2.5%
• Special support for youth with symbolic fees of 1 SAR/month for ages 18–25

• Save time and effort—no need for experience or daily monitoring
• Diversified portfolios built based on your risk tolerance
• Simple fee strategy—no brokerage, currency exchange, or international transfer fees
• Smart tools like the Investment Calculator and Retirement Calculator
• A portfolio for every goal—you can create up to 10 sub-portfolios
• Child accounts managed by the legal guardian

Tamra Capital follows a scientific approach to building investment portfolios.

We use the Modern Portfolio Theory, which won the Nobel Prize in Economics in 1952 and was developed by Harry Markowitz.

This theory helps investors build portfolios that aim for high returns while reducing risk by diversifying across different assets like stocks, bonds, and other financial instruments.

It provides a structured way to match your portfolio with your risk tolerance and goals, aiming for long-term financial success.

That’s why we use this theory to build Tamra’s portfolios to suit different investment objectives.

A robo-advisor is a smart service that helps you choose the right investment portfolio automatically, without human intervention.

All you need to do is answer a few simple questions, and the robo-advisor will recommend the best portfolio based on your goals and risk level.

In the past, investment management was only available to wealthy individuals due to high costs.

But today, thanks to fintech, it’s available to everyone with low fees and an easy, fast process.

⚡ In just a few minutes, you can open your portfolio and start investing—no hassle.

You can earn returns from your Tamra Capital investment in two ways:

1. Capital gains: This is the main source of profit and refers to the daily change in your portfolio’s value. For example, if you invest 1,000 SAR and it grows to 1,010 SAR by the end of the day, the 10 SAR difference is your capital gain.
2. 2. Cash dividends: Some investment funds distribute cash dividends based on their policies. Tamra notifies clients via email when dividends are received and reinvests them to help your portfolio grow faster and benefit from compound returns.

Monthly dividends are paid by 3 funds (SPUS, SPSK, SPRE), and semi-annual dividends by (ISDE.L, ISDW.L).

You can view dividend amounts and reinvestments in the “Transactions” section of the app.

• For clients aged 25 and under:

To support youth and encourage regular investing, we offer the Gen Z account with a symbolic fee of just 1 

SAR/month (excluding VAT) until your total investment reaches 60,000 SAR.

If your investment exceeds 60,000 SAR, the standard fee applies: 0.4% annually (excluding VAT).

Here’s a sample fee breakdown for Gen Z accounts:

• For clients aged 26 and above:

Tamra charges a monthly fee of 20 SAR (excluding VAT) if your average portfolio value is below 60,000 SAR.

If your portfolio value is 60,000 SAR or more, the fee becomes 0.033% monthly (equal to 0.4% annually), excluding VAT.

There are no other fees.

Here’s a sample fee breakdown:

Note: Fees are automatically deducted monthly from your investment portfolio.

Tamra Capital offers a variety of portfolios to match different investment goals. Choosing the right one depends on:

• Your risk tolerance
• Investment duration

Tamra provides a risk assessment questionnaire to help you select the best portfolio based on your answers.

Yes! Tamra Capital allows each client to open up to 10 sub-portfolios to help achieve different goals.

Yes, you can easily change your portfolio type by following these steps:

1. Tap “Portfolios” at the bottom of the screen
2. Tap the green pencil icon next to the portfolio you want to change
3. Choose the new portfolio type
4. Tap “Save Changes” to confirm

If you already have investments, Tamra will rebalance your portfolio by selling and buying assets to match the new type.

If there are no investments yet, the change will happen immediately.

Yes. Tamra Capital is certified by Shariyah Review Bureau, a global authority in Islamic finance auditing.

Tamra selects Sharia-compliant ETFs based on two layers of review:

1. Fund’s Sharia Committee: Reviews fund documents, operations, and issues annual reports confirming compliance.
2. Tamra’s Sharia Committee: Overseen by Shariyah Review Bureau with scholars like Sheikh Mohammed Sultan and Dr. Salah Al-Shalhoob.

The Bureau is licensed by the Central Bank of Bahrain and operates across key Islamic finance markets.

Some companies in the funds may earn up to 5% of revenue from non-compliant activities. These investments are still Sharia-compliant but require purification of related dividends.

Example: Airlines may earn small revenue from alcohol sales. Tamra purifies such dividends to ensure full compliance.

Tamra automatically calculates and donates the purified amount to approved charities under supervision of its Sharia Committee.

Returns vary based on portfolio type and investment duration. You can use Tamra’s Investment Calculator in the app or on the website to estimate your expected returns.

At Tamra, our goal is to make investing easy from the first step — starting with choosing your portfolio and making your deposit.

Depositing is very simple. You can start with any amount, anytime, with no minimum and no fees.

All deposit options are available directly in the app, with secure and easy steps:

💳 Credit Card (Visa or MasterCard)
📱 Apple Pay
🏦 Direct Bank Transfer
🔁 Automatic Recurring Deposit (via standing order or credit card)

🟢 Bank transfer is the fastest way to deposit your money into Tamra.

Deposits usually take between 5 minutes and 2 business days. Once completed, units are purchased and your investment begins based on each portfolio’s working days.

There is no official minimum deposit at Tamra Capital.

You can start investing with any amount, anytime, with ease.

💡 Tip: Regular investing is one of the keys to long-term financial success. It helps you grow your wealth gradually and sustainably.

Deposits usually take between 5 minutes and 2 business days (Saudi Business Day). Once completed, units are purchased and your investment begins based on each portfolio’s working days.

The investment or withdrawal process goes through several steps. It depends on the execution times of each fund, the official working days of the markets involved, and Saudi business days.

Generally, the process takes 7 to 10 business days. Each step ensures your investment is executed with the highest quality.

You can withdraw your entire invested amount or part of it after the investment process has started.
However, you cannot withdraw the deposited amount before it is invested, as it will still be under processing.

💡 Please note:
The withdrawal process is affected by the official working days of the markets where your funds are invested, as well as the official business days in the Kingdom of Saudi Arabia.

Tamra Capital does not charge any fees for deposits or withdrawals.

Each portfolio has its own IBAN to make it easier to transfer funds and set up standing orders from your bank account.

To find the IBAN for any portfolio in the app:

• Tap “Deposit” on the app’s home screen
• Select the portfolio you want to deposit into
• Tap “Bank Transfer”
• Copy the IBAN shown for the selected portfolio

To make your investment journey easier and more consistent, Tamra offers recurring deposits via bank transfer or directly through the app.

• Standing Order via Bank Transfer:
  Set up a standing order using your bank’s app or website. Go to Transfers → Standing Orders, select your Tamra account (added as a beneficiary), and follow the steps to set the amount, start/end dates, and frequency.
• Automatic Deposit via Tamra App:
  Go to Tamra App → Deposit → Recurring Deposit → Select Portfolio → Set Amount and Frequency → Add Bank Card

To transfer invested funds between your portfolios, follow these steps:

• Tap “More” at the bottom of the screen
• Select “Transfer Between Portfolios”
• Choose the portfolio to transfer from
• Choose the portfolio to transfer to
• Enter the amount to transfer
• Tap “Transfer” to submit the request

We will sell part of the assets in the source portfolio and use the amount to buy assets in the target portfolio.

Note: The process goes through several steps and depends on fund execution times, market working days, and Saudi business days.

You cannot transfer uninvested funds between portfolios because the app automatically invests deposits as soon as they arrive.

The transfer process goes through several steps and depends on fund execution times, market working days, and Saudi business days.

For more details, contact us via chat in the Tamra app or call 920028255.

Currently, Tamra only supports deposits and withdrawals in Saudi Riyals (SAR).

When investment funds distribute cash dividends (based on each fund’s policy), Tamra automatically reinvests those dividends to help your portfolio grow faster and benefit from compound returns.

If you withdraw part of your portfolio and it has generated profits, we will sell assets equal to the withdrawal amount. This means your withdrawal will reduce both your invested amount and your profits.

Currently, Tamra does not offer a “withdraw profits only” feature to avoid reducing your invested capital.

Our robo-advisor is designed to help you achieve long-term investment goals and grow your wealth efficiently.

ETFs are investment funds traded on stock exchanges, just like individual company stocks. They offer investors an easy way to buy a diversified portfolio of assets—such as stocks, sukuk (Islamic bonds), or commodities—in a single security. 
ETFs provide liquidity, diversification, and transparency, and usually have lower fees compared to traditional mutual funds.

Many ETFs follow a passive investment strategy: instead of trying to beat the market, they aim to match the performance of a specific index, like the S&P 500 or Nasdaq. 

This makes them a great option for investors who want broad exposure to different asset classes while aligning with the index performance.

Passive Investing:

This strategy involves investing in a balanced portfolio of ETFs that cover various assets, markets, or sectors—without picking individual companies. The portfolio performance matches the market index, reducing risk and requiring less monitoring. It’s ideal for long-term investors.

One popular index is the S&P 500, which tracks the performance of the largest 500 companies in the U.S.—one of the biggest financial markets globally.

Fun Fact: The father of passive investing is John Bogle, founder of Vanguard, the world’s largest investment management company.
 

Active Investing:

This strategy involves hands-on decisions by a fund manager or investment team to try and outperform the market. It includes ongoing analysis, market tracking, and selecting investments based on future performance expectations.

Tamra Capital does not invest in physical gold bars or coins. Instead, we invest in funds that track the performance of gold prices. 
This method is approved by our Shariah advisors from Shariyah Review Bureau, including Sheikh Mohammed Ahmad Sultan and Dr. Salah Al-Shalhoob.

Returns vary depending on your portfolio type and investment duration. 
You can use the Investment Calculator available in the Tamra Capital app or on our website to estimate your expected returns.

For more details you can contact us through our official number 920028255

Zakat is calculated by Ideal Ratings under the supervision of Tamra’s Shariah Committee, led by Sheikh Salah Al-Shalhoob and Sheikh Mohammed Ahmad Sultan. Zakat is based on the zakat base of each fund in your portfolio—stocks, sukuk, and real estate. For gold funds, it’s calculated as 2.5% of the market value.

Note: The calculator assumes your investments have completed one lunar year (Hejri) and uses the Hijri calendar for calculations. 

It only applies to your Tamra Capital investments and not external ones.

Rebalancing means adjusting your portfolio by buying or selling funds to restore the original allocation. Over time, fund values fluctuate, changing the portfolio’s balance. We rebalance to ensure your portfolio matches your risk level and investment goals.

Rebalancing usually happens once a year or more if needed, and we notify you before it’s done.

Market Value:

 The current total value of your investment. If it’s higher than your invested amount, you’ve made a profit. If it’s lower, you have a loss.

Invested Amount:

 The total amount you’ve invested, minus fees and plus any distributed dividends.

Portfolio Balance:

 The market value of all your portfolios, plus any recent deposits that haven’t been invested yet.

Profit & Loss:

 The difference between market value and invested amount. A positive number means profit; a negative number means loss.

Standard Deviation:

 A measure of how much returns vary from the average. Lower deviation means lower risk; higher deviation means higher risk.

Zakat Percentage: 

The zakat amount divided by the market value. It’s usually less than 2.5% due to our precise calculation method supervised by our Shariah advisors and IdealRatings.

Everything is available inside the Tamra app and takes less than 5 minutes. You just need to be eligible to open an account, and after registering and verifying your identity through Absher:

• Choose to create an investment portfolio
• Set your investment goal
• Answer the risk questionnaire

Then, the app will automatically suggest the most suitable portfolio for you. All tools are available in the app in a simple and clear way.

Eligible clients to open an account:

• Saudi citizen or resident
• 18 years or older
• Have an active local bank account

National ID update:

Your ID is updated automatically within one business day after renewal. If you face issues, check if you renewed it today. If yes, try again after 24 hours.

If the update doesn’t complete, send a request from your registered email including:

• Screenshot of the error (if any)
• Updated ID image (from Absher)

Email: info@tamracapital.sa

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Phone number update:

If your current number is active, you can update it directly from the app:

• Open Tamra app
• Tap 'Settings' at the top of the login page
• Choose 'Change Phone Number'

If your current number is unavailable, send a request from your registered email including:

• Old phone number
• New phone number
• National ID number

Email: info@tamracapital.sa

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Email update:

You can update your email directly from the app:

• Open Tamra app
• Tap ‘More’
• Tap your name at the top
• Tap ‘Edit Profile ✏️’
• Enter your new email and follow the steps

You can create two portfolios per child.

Currently, only the legal guardian — whether the father or the mother — can open investment accounts for children.

You can easily open accounts for your children via the Tamra app:

• Tap 'More'
• Tap 'Children List'
• Choose 'Add New Child'
• Enter the child’s ID or residency number
• Complete the KYC questionnaire
• Choose the suitable portfolio

Children must be under 18 Hijri years and have a valid national ID or residency permit.

You don’t need to close your account if your total investment is below SAR 350, as no fees will be charged. You can keep it active and return later.

If you’re sure you want to close your account permanently, please email info@tamracapital.sa after withdrawing all invested amounts.

Yes, all investments are owned by the client. Tamra acts as the investment manager on your behalf. Your investments are held by an external custodian contracted by Tamra. 

You can request a statement showing your invested amounts and market value.

Yes, you can track your portfolio performance through the Tamra app.

 Data is updated daily based on the markets invested in.

In the event of the death of a customer (God forbid), the Capital Market Authority notifies us of the death, and then we suspend the client’s account while keeping the funds invested in the customer's account. We will be contacted by one of the heirs to either liquidate the account and withdraw the amounts, or keep the account activated temporarily until the heirs decide (through the heirs’ agent) to liquidate the account.

If the heirs wish to withdraw the amounts invested in the account, they must attach the following requirements:

• Deceased paper document from the Ministry of Justice
• Death certificate
• A copy of the family card of the deceased
• A power of attorney document from Najez that includes the power of attorney from all heirs to their agent without exception, according to the following steps:

1. Home, Documentation Agencies
2. Power of attorney [enter information of the agent or agents] then [principal]
3. Agency terms, banks and banks, special options: at [Tamra Capital Company]
4. Stock options, they have to choose all the required actions and they must also choose that this power of attorney is specific to the inheritance belonging to (...) with an identity number (...) and according to the heirs identification instrument number (..) and dated (..)

• A copy of the agent’s ID card
• A copy of proof of the agent’s IBAN number

After submitting all the above documents, we will liquidate all the shares in the account and transfer the amount to the agent's bank account.

Tamra Capital is officially licensed by the Capital Market Authority to provide advisory and investment management services in the Kingdom of Saudi Arabia. This means that the company is subject to comprehensive laws from the Authority to ensure that it follows instructions and laws in various aspects of the business and operating models, especially with regard to financial adequacy and corporate governance to preserve the rights of customers and shareholders of the company. 

The Authority constantly monitors the company’s financial performance, and if the company goes through circumstances that force it to terminate its services or declare bankruptcy (God forbid), the Authority will intervene before that happens and will force the company to liquidate customers’ investments and return the amounts to them. Customers’ funds and investments are completely separate from the company's operating funds, and the shares are held by an external custodian, which facilitates the process of liquidation and returning funds to customers.

Management fees are calculated based on the market value of all the client’s portfolios and are automatically deducted on a monthly basis from the client’s account with Tamra Capital.

At Tamra Capital, we’re committed to serving our clients through official support channels:

• 💬 Live chat via the Tamra Capital app
• 📞 Unified support number: 920028255
• 📧 Official email: info@tamracapital.sa

Our customer support team is available Sunday to Thursday, from 9:00 AM to 5:00 PM (Saudi Arabia time).

We aim to provide the best experience for our clients and respond to all inquiries as quickly as possible.

If an issue arises, we will contact you and update your request status within 2 business days

We welcome all your feedback and suggestions!
Please send them to our official email: info@tamracapital.sa

For those aged 25 years and under:
 To support young people and motivate them to build the habit of investing and facilitate their achievement of their financial goals, we launched the Generation Z account, so that the account management fee for those under 25 years old is only SAR 1 per month (excluding VAT) until their total investments reach SAR 60,000. If the invested amount exceeds SAR 60,000 or higher, then normal fees apply (0.4% of the invested amount annually, excluding VAT). 

For those aged 26 years and above:
 The annual fee for all portfolios combined is SAR 20 (excluding VAT), if the average market value of all of your portfolios is less than SAR 60,000. If the average market value of your total portfolios is SAR 60,000 or more, then the monthly fee becomes 0.033% per month, equivalent to 0.4% annually of the market value of your portfolios (excluding VAT), and there are no other fees. 

Note: All fees are deducted monthly from your investment account.

Registration & First Investment Bonus:
Refer a friend by share your unique referral code with someone who hasn't joined Tamra Capital yet. When the person uses the referral code upon registration and makes a deposit of at least SAR 500 as their initial investment, both of you will earn 10,000 points each.
 

You can your redeem reward points at any time when you have sufficient balance to exchange them for one of the brands' cards or vouchers located on the “Rewards” page in the application.

The value of the rewards available varies from one brand to another on the “Rewards” page, and the brand may have cards or vouchers of different values ​​so that you can exchange your reward points for the cards or vouchers that suit you.