Direct Answer / Quick Summary:

To download an official certified PDF of your employment contract, log into Qiwa Individuals (أفراد) via Nafath, navigate to Services → Contract Management (إدارة العقود), select your active authenticated contract, and click Download Contract as PDF (تحميل العقد PDF).

Official Digital Seal: The downloaded PDF includes an official Ministry of Human Resources and Social Development (MHRSD) digital stamp and a cryptographically verifiable QR Code*.

Bank Financing & Loans:* All major Saudi financial institutions (SNB, Al Rajhi, Riyad Bank, Banque Saudi Fransi, Alinma) require this official Qiwa PDF rather than company-issued salary certificates to verify basic wages and contractual end dates.

Embassy & Visa Attestations: Foreign embassies (including Schengen, UK, US, and GCC diplomatic missions) and the Ministry of Foreign Affairs (MOFA) accept this digital document directly without requiring physical Chamber of Commerce (Ghurfa Tijariyya*) wet stamps.

Why the Qiwa Digital PDF Replaced Traditional Paper Contracts

Before the full digitization of the Saudi labor market under Vision 2030, an employee applying for a bank loan or a family visa had to request a physical "Salary Certificate" (Shahadat Ratib) stamped by their company and physically authenticated by the local Chamber of Commerce for a fee (typically SAR 25–35 per stamp).

This legacy system created significant compliance vulnerabilities:

Forged salary certificates were frequently submitted to banks.
Employers withheld paper salary letters to prevent workers from accessing credit or applying for foreign travel visas.
Embassies spent weeks attempting to verify employment authenticity.

Under the Contract Authentication Program (Tawtheeq), MHRSD unified all certified documentation into an immutable digital record:

Step 1Instant Login

Qiwa Individuals Access

Employee authenticates securely through Nafath biometric SSO

Step 2Instant Render

PDF Generation Engine

System dynamically compiles authenticated clauses into a standardized bilingual PDF

Step 3Certified

Cryptographic QR Stamping

Document embedded with MHRSD digital signature and tamper-proof verification URL

Step 4100% Accepted

Third-Party Verification

Banks, MOFA, and embassies scan the QR code to verify live status on gov gateways

Step-by-Step Guide: Downloading Your Contract on Qiwa Individuals

Follow these instructions to download your certified employment contract PDF on a desktop computer or mobile browser:

Step 1: Login via Nafath National Unified Access

1Visit the official Qiwa portal at https://qiwa.sa.
2Click Sign In (تسجيل الدخول) in the header and select Individual Account (حساب أفراد).
3Select Nafath (نفاذ).
4Input your Iqama Number (expatriates) or National ID (Saudi nationals).
5Open the Nafath Mobile App on your phone, accept the incoming authorization prompt, and select the matching two-digit security code.

Step 2: Navigate to Contract Management

1Once inside your dashboard, locate the top navigation bar and click on Services (الخدمات).
2Under the Employment Contracts section, select Contract Management (إدارة العقود).
3Your screen will display your active employer profile, including the establishment name, Unified 700 Number, CR Number, and employment dates.

Step 3: Access Contract Details View

1Click the button labeled View Contract Details (عرض تفاصيل العقد).
2Ensure the contract status is marked with a green badge: Authenticated (موثق). (Contracts labeled Draft or Pending Approval cannot generate certified PDFs).
3Review the summary of terms on the screen to verify that the information is current.

Step 4: Generate and Save the Certified PDF

1Scroll down to the bottom of the contract details page.
2Locate the button: Download Contract as PDF (تحميل العقد PDF).
3Your browser will download an official, multi-page bilingual (Arabic & English) document titled Employment_Contract_Tawtheeq.pdf.
4Save the file to your device or cloud storage for immediate printing or electronic forwarding.

Key Document Elements: Verifying the MHRSD QR Code

When you open your downloaded PDF contract, ensure it contains the statutory authenticity markers required by institutional verifiers:

Statutory Safeguards & Rights Protection

Mandatory protections enforced by MHRSD & Saudi Labor Law

1
Official MHRSD Header & WatermarkThe document bears the official emblem of the Kingdom of Saudi Arabia and the Ministry of Human Resources and Social Development.
2
Verifiable Encrypted QR CodeLocated on the top-right or final page. Scanning this QR code links directly to the secure MHRSD verification gateway (`mol.gov.sa` or `qiwa.sa/verify`).
3
Contract Authentication NumberA unique statutory tracking number (e.g., `CNT-2026-XXXXXX`) logged into the national labor database.
4
Unified 700 Establishment IdentifierConfirms the corporate registration and statutory legitimacy of the employing establishment.
5
Itemized Wage MatrixLegally separates Basic Salary, Housing Allowance, Transportation Allowance, and Other Benefits.

How to Test the QR Code Yourself:

1Open your smartphone camera app.
2Point the camera at the QR code on the printed or displayed PDF contract.
3Tap the detected URL link.
4Your browser should open an official MHRSD / Qiwa web page showing:

- Worker Name and Masked ID Number

- Employer Name and CR Number

- Contract Status: Active & Authenticated

- Authentication Timestamp

If the QR code does not open an official .gov.sa or .qiwa.sa address, the document has been altered or improperly exported.

Use Case 1: Submitting to Saudi Banks for Loans & Credit Facilities

Saudi retail banks (including Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma Bank, and Bank AlJazira) operate under strict Saudi Central Bank (SAMA) lending guidelines.

Why Banks Demand the Qiwa PDF:

1Accurate Debt Burden Ratio (DBR) Calculation: SAMA caps personal loan deductions at 33.3% of an employee's monthly salary (or 25% for retirees). Banks verify your exact Basic Salary + Housing Allowance from the Qiwa PDF to determine maximum loan limits.
2Contract Maturity Date: For fixed-term contracts, banks align auto-lease and personal loan repayment schedules with the remaining duration of your authenticated Qiwa contract.
3Employer Nitaqat & Company Validity: The Qiwa PDF proves that the applicant works for an active, legally recognized establishment in good standing with MHRSD.
Statutory Compliance Note

Pro Tip for Loan Applications: Always submit both your Qiwa Authenticated Contract PDF and your latest GOSI Contribution Certificate (Shahadat Ishtirak). Because both documents are dynamically linked, matching figures guarantee instantaneous automated underwriting approval.

Use Case 2: Visa Attestation & Foreign Embassy Submissions

Whether you are applying for a Schengen Visa, UK Visitor Visa, US B1/B2 Visa, or attesting family status for a dependent's residency visa in your home country, the Qiwa PDF serves as your primary proof of employment:

Foreign EntityRequired DocumentAttestation Requirement
Schengen Embassies (VFS Global / BLS)Qiwa Authenticated Contract PDFDirect printout accepted. QR code verified online by consular officers.
UK Visas & Immigration (UKVI / TLScontact)Qiwa Contract PDF + Bank StatementsDigital upload to UKVI portal; no Chamber of Commerce stamp needed.
US Embassy / Consular SectionQiwa Contract PDFPhysical printout brought to DS-160 interview.
Home Country Embassies (Pakistan, India, Philippines, Egypt)Qiwa Contract PDF for Family Visa / AttestationMay require electronic MOFA E-Attestation via visa.mofa.gov.sa.

Do You Still Need a Chamber of Commerce (Ghurfa) Stamp?

Under current ministerial integration protocols:

For Domestic Saudi Use: No. Government agencies and commercial banks are legally mandated to accept the MHRSD digital QR code without Chamber stamps.
For Foreign Embassies: The vast majority of embassies now accept the QR-coded Qiwa PDF directly. However, for specialized home-country power of attorney (Wakala) or specific bilateral labor attestations, submit the Qiwa PDF through the MOFA Electronic Attestation Gateway for digital foreign ministry stamping.

Top 5 Qiwa PDF Download Errors & Troubleshooting Fixes

1. "Download Button Disabled or Grayed Out"

Root Cause: Your contract status is not fully authenticated. It is either in Draft, Pending Employer Approval, or Pending Employee Approval.
Resolution: Ensure both the establishment and the worker have completed the Nafath digital handshake. Once the green Authenticated badge appears, the download button activates instantly.

2. Blank White PDF or Infinite Loading Spinner

Root Cause: Browser ad-blockers, popup blockers, or hardware-acceleration rendering conflicts on mobile Safari/Chrome.
Resolution: Disable popup blockers for *.qiwa.sa, clear browser cache, or open the portal in an Incognito/Private window on a desktop browser.

3. Missing QR Code on Generated Document

Root Cause: Network timeout during dynamic cryptographic rendering on the Qiwa server.
Resolution: Do not save the defective PDF. Refresh the page, wait 30 seconds, and click "Download Contract as PDF" again to prompt the server to re-generate the cryptographic image.

4. Arabic Font Displaying as Broken or Disconnected Characters

Root Cause: Opening the PDF in third-party mobile viewers that lack Arabic UTF-8 font rendering engines.
Resolution: Open the downloaded document in official Adobe Acrobat Reader or a modern desktop browser (Chrome, Edge) to ensure crisp, connected Arabic typography.

5. Contract Shows Outdated Salary Figures

Root Cause: The employer recently agreed to a salary increment but has not submitted a formal "Contract Amendment" in Qiwa Business.
Resolution: A verbal raise or an internal memo does not update government records. Request that your HR administrator initiate an electronic contract modification on Qiwa so that the downloadable PDF reflects your new compensation.

Frequently Asked Questions (FAQ)

Is there a fee to download my contract PDF from Qiwa?

No. Downloading your authenticated employment contract PDF from Qiwa Individuals is completely free for all employees and workers.

How often can I download my Qiwa contract?

There are no download limits. You can generate and download fresh copies of your certified contract PDF at any time, 24/7.

Does the Qiwa PDF expire after downloading?

While the document itself reflects your contract terms as of the download timestamp, institutional verifiers (especially banks and embassies) typically require documents issued within the last 30 to 90 days to ensure the employment relationship is currently active.

Can my employer see when I download my contract PDF?

No. Downloading your contract PDF is an individual, confidential self-service action within Qiwa Individuals. Your employer does not receive notifications when you download your document.

What should I do if the profession on my Qiwa contract differs from my Iqama?

If your contract profession differs from your physical residency card, download the Qiwa contract and ask your company PRO to finalize the profession sync through Muqeem and Jawazat to avoid discrepancies during visa applications.

Need Specialized Assistance with Corporate Compliance & Attestations?

Whether you are an enterprise managing workforce documentation audits or an expatriate preparing documentation for foreign visa applications, explore our authoritative Qiwa Platform Master Manual or consult our corporate compliance specialists for tailored legal advisory.