Number to Arabic Words (Tafqit)

Tafqit (writing numbers as words) is mandatory on cheques and accounting invoices in Saudi Arabia and across the Arab world. Its purpose is to prevent tampering by adding zeros or changing digits after signing. The amount in words is the legal reference whenever digits and words conflict.

Standard tafqit structure

A formal tafqit follows a fixed pattern: the integer part (thousands, hundreds, tens, units) + the major-unit currency name + the decimal part + the sub-unit name + the legal closer 'فقط لا غير'.

Worked example

Amount: 1,234.56 Saudi Riyal:

1. Integer: 1,234
2. Tafqit: ألف ومئتان وأربعة وثلاثون ريالاً سعودياً
3. Decimal: 56 halalas
4. Decimal tafqit: ستة وخمسون هللة
5. Full result: ألف ومئتان وأربعة وثلاثون ريالاً سعودياً وستة وخمسون هللة فقط لا غير

Sub-units used

• SAR / AED / QAR: halala (1/100).
• KWD / BHD / JOD: fils (1/1000).
• OMR: baisa (1/1000).
• USD / EUR: cent (1/100).
• EGP: piastre (1/100).

Where tafqit is used

• Filling bank cheques (legally required in KSA and most Arab countries).
• Writing amounts on formal invoices to legally certify them.
• Commercial contracts and money agreements.
• Receipts, payment vouchers, and trust deposits.
• Salary slips and bonus statements.