Saudi Arabia SSIC Division 64: Other financial service activities, except insurance and pension funding

Saudi Standard Industrial Classification (SSIC 2026)
Classification Level: Division | Official Code: 64

Executive Summary & Classification Scope

SSIC code 64 designates Other financial service activities, except insurance and pension funding (أنشطة الخدمات المالية ، فيما عدا تمويل التأمين وصناديق المعاشات) under the official Saudi Standard Industrial Classification (January 2025 / 2026 Edition, based on UN ISIC Rev. 4) administered by the General Authority for Statistics (GASTAT).

It serves as the mandatory regulatory benchmark for Commercial Registration (CR) with the Ministry of Commerce, MISA foreign investment licensing (allowing up to 100% foreign equity ownership), municipal permits on the Balady portal, and Nitaqat Saudization quota determinations by MHRSD.

Key Classification Facts

Sub-Groups in Division 64 (4)

Official 6-Digit Activity Codes in Division 64 (31 Codes)

Below are official economic activity codes registered under Division 64 for Commercial Registration (CR) and municipal licensing in Saudi Arabia:

Commercial Business Types Operating in Division 64

Regulatory & Business Setup Use Cases in Saudi Arabia

1. Ministry of Commerce (MC): Required on your Saudi Commercial Registration (CR) to legally define the company’s business activities.
2. Ministry of Investment (MISA): Determines eligibility for 100% foreign-owned investment licenses and capital requirements. See our MISA Licensing Guide.
3. ZATCA Taxation & Zakat: Activity categorization for Corporate Income Tax (20%), Zakat (2.5%), and 15% VAT filing rules. See our ZATCA Tax Guide.
4. MHRSD / Qiwa (Nitaqat Quotas): Determines the required percentage of Saudi national employees. Check our Nitaqat Saudization Guide.
5. Balady Municipal Licensing: Establishes commercial shop, office, and warehouse zoning compliance.

Compliance & Regulatory Risk Assessment

Frequently Asked Questions (FAQ)

1. What does Saudi SSIC code 64 cover?

SSIC 64 covers Other financial service activities, except insurance and pension funding (أنشطة الخدمات المالية ، فيما عدا تمويل التأمين وصناديق المعاشات) under Saudi Arabia’s official industrial classification system.

2. Which authority regulates activities under SSIC 64?

Activities under this code fall under the supervision of the Ministry of Commerce and respective sectoral regulators.

3. Can international investors establish a business with code 64?

Yes. In most sectors, the Ministry of Investment (MISA) permits 100% foreign equity ownership. Refer to our MISA Guide for full requirements.

4. How does SSIC 64 affect my company’s Nitaqat rating?

MHRSD calculates your Saudization tier based on your primary SSIC activity registered on your Commercial Registration.

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