How Does the Wallet Work?

What Is the Wallet?

The wallet is the internal balance system in Raghdan platform. It's used to purchase premium services, receive referral rewards, and track all financial transactions. You can access the wallet from your profile.

When you enter the wallet, you'll see your current balance displayed at the top in Saudi Riyals, with a "Withdrawable" line under it — the part of your balance that can go to your bank account. Below them are three main sections: Deposit, Withdraw, and Ehsan.

1. Deposit (Top Up Wallet)

The deposit section allows you to top up your wallet by adding new balance.

Available payment methods:

• Mada — Saudi debit card
• Visa — Visa credit card
• Mastercard — Mastercard credit card
• Apple Pay — Apple Pay

Limits:

• Minimum deposit: SAR 10
• Maximum deposit: SAR 10,000

How to deposit:

1. 1
   Press "Deposit" from the wallet sections
2. 2
   Enter the amount you want to add
3. 3
   Choose payment method (Mada, Visa, Mastercard, or Apple Pay)
4. 4
   Complete the payment process
5. 5
   The balance will be added to your wallet immediately

Receiving payments from your clients:

In the same Deposit section you will find "Your payment link" — a permanent link you share with clients so they can pay an amount they choose into your wallet. Details: Your payment link: receiving payments into your wallet

Automatic rewards:

When you earn rewards from the referral system or promotions, they're automatically deposited into your wallet. For example: every SAR 500 earned from referral commissions is automatically added to your balance.

2. Withdraw (Transfer to Bank Account)

The withdraw section allows you to transfer what you earn on the platform to your bank account.

What can be withdrawn:

• Referral rewards.
• Brokerage commissions.
• Amounts the administration approves as a refund for a service that was not completed because of a platform fault.

What cannot be withdrawn:

• Balance topped up in the wallet — by card, via WhatsApp or through "Your payment link" — is for the platform's services only and cannot be withdrawn to a bank account. The only exception: a card top-up is refunded to the same card within 7 days if no part of it has been used.

Full details: Withdrawal and refund policy

When you pay for a service from the wallet, the non-withdrawable balance is used first, so what you earned stays withdrawable as long as possible.

Adding a bank account:

• Press "Add Account" to add your bank account
• Enter the bank name and IBAN number
• You can add multiple bank accounts and set a default account
• Added accounts appear in the "Bank Accounts" list

Requesting a withdrawal:

1. 1
   Press "Withdraw" from the wallet sections
2. 2
   Your wallet balance is displayed
3. 3
   Select the bank account to transfer to
4. 4
   Enter the amount to withdraw
5. 5
   Press "Withdraw Now"

Important withdrawal information:

• You can withdraw up to the amount on the "Withdrawable" line. If you ask for more, a message shows what is available to withdraw.
• Withdrawal requests are reviewed before transfer, and the amount is transferred within 1-3 business days
• A 5% withdrawal fee applies (minimum SAR 10)
• If a withdrawal request is rejected, the full amount returns to your balance and to the withdrawable part
• Deposits are processed instantly within 2 hours during official working hours

3. Ehsan (Donation)

The Ehsan section allows you to donate from your wallet balance to the national Ehsan platform.

What is Ehsan?

Ehsan is the national charitable platform in Saudi Arabia. You can donate from your wallet balance and the amount will be transferred to the platform within 1-3 business days.

How to donate:

1. 1
   Press "Ehsan" from the wallet sections
2. 2
   Your available wallet balance for donation is displayed
3. 3
   Enter the donation amount
4. 4
   Press "Donate Now"
5. 5
   After completing the donation, a donation receipt will be sent to you in your name

View History

At the top of the wallet page, you'll find a "View History" button that shows a complete log of all transactions (deposits, withdrawals, donations, rewards, deductions) with dates and amounts.

Important Notes

• Balance topped up in the wallet is for the platform's services only, cannot be withdrawn to a bank account, and is refunded only within 7 days of the top-up if no part of it has been used — Withdrawal and refund policy.
• Withdrawals are limited to what you earn on the platform: referral rewards, brokerage commissions, and amounts the administration approves as a refund for a service that was not completed because of a platform fault.
• Make sure to monitor transactions regularly.

Common Issues

• Deposit didn't go through: Verify card details and ensure the amount is between SAR 10 and SAR 10,000.
• Withdrawal hasn't arrived: Withdrawals take 1-3 business days — if delayed further, open a support ticket.
• Can't find my bank account: Press "Add Account" and enter the correct IBAN number.
• Donation receipt not received: The receipt is sent after processing — wait 1-3 business days.