Article 105 of the Saudi Commercial Papers Law
المادة 105 من نظام الأوراق التجارية · الفصل الخامس: تقديم الشيك ووفاؤه
The Article lets the drawee pay a check after its presentment period, limits the drawer's stop-payment opposition before the period ends to specific cases, and provides that death or bankruptcy does not change the check's effects.
Official text (Arabic)
This article has not been amended since the law was issued.
للمسحوب عليه أن يوفي قيمة الشيك ولو بعد انقضاء ميعاد تقديمه، ولا تقبل المعارضة من الساحب في وفاء الشيك قبل انقضاء ميعاد تقديمه إلا في حالة ضياعه أو إفلاس حامله أو طرأ ما يخل بأهليته. وإذا توفي الساحب أو أفلس أو فقد أهليته بعد إنشاء الشيك فلا يعدل ذلك من الآثار المترتبة عليه.
This is the official Arabic wording, the only legally binding version. We do not translate the law itself; the explanation below is ours. Official source: Bureau of Experts at the Council of Ministers
Article 105 explained in plain English
This Article deals with three practical matters:
First: payment after the period. The drawee may pay the value of the check even after the period for presenting it has expired. The expiry of the period does not prevent the bank from paying.
Second: the drawer's opposition to payment. No opposition by the drawer to payment of the check is accepted before the expiry of the presentment period, except in the following cases:
- Loss of the check.
- Bankruptcy of its holder.
- The occurrence of something affecting the holder's capacity.
In cases other than these, the drawer cannot ask the bank to stop payment of the check before the period expires.
Third: events affecting the drawer. If the drawer dies, goes bankrupt or loses capacity after the check was issued, this does not change the effects arising from the check.
This Article is linked to Article 104 on the difference of calendars, and to Article 106, which regulates the order of payment of several checks where cover is insufficient. The Article does not address the procedures for filing an opposition with the bank. Anyone who wishes to stop payment of a check would do well to consult a lawyer who specializes in commercial matters and commercial papers before taking any step.
Practical example
Nasser lost a check he had written for a contractor before handing it to him. Under this Article, Nasser may oppose payment of the check before the expiry of its presentment period because the check was lost. But if he wanted to stop it merely because of a dispute with the contractor over the quality of the work, his opposition would not be accepted before the period expires, as that is not one of the cases the Article mentions.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
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Frequently asked questions about Article 105 of the Saudi Commercial Papers Law
Can payment of a check be stopped?
The drawer's opposition to payment of a check is not accepted before the expiry of its presentment period, except in cases of loss of the check, bankruptcy of its holder, or the occurrence of something affecting the holder's capacity.
Can a check be cashed after its presentment period has ended?
Yes. The drawee may pay the value of the check even after the period for presenting it has expired.
Does the drawer's death affect the check?
No. If the drawer dies, goes bankrupt or loses capacity after the check was issued, this does not change the effects arising from the check.
More articles on The Check
- Article 91
The Article lists the mandatory particulars of a check: the word check, an unconditional order to pay a fixed sum, the drawee's name, place of payment, date and place of issue, and the drawer's signature.
يشتمل الشيك على البيانات الآتية: أ - كلمة (شيك) مكتوبة في متن الصك باللغة التي كتب بها. ب - أمر غير معلق على شرط بوفاء مبلغ معين من النقود. جـ - اسم من يلزمه ال
- Article 92
The Article provides that an instrument lacking a check particular listed in Article 91 is not a check, unless the missing particular is the place of payment or the place of issue.
الصك الخالي من أحد البيانات المذكورة في المادة السابقة لا يعتبر شيكا إلا في الحالتين الآتيتين: أ - إذا خلا الشيك من بيان مكان وفائه اعتبر مستحق الوفاء في المكان
- Article 93
The Article requires checks issued in the Kingdom and payable there to be drawn on a bank, and treats instruments drawn on anyone other than a bank as invalid checks.
لا يجوز سحب الشيكات الصادرة في المملكة والمستحقة الوفاء فيها إلا على بنك، والصكوك المسحوبة في صورة شيكات على غير بنك لا تعتبر شيكات صحيحة.
- Article 94
The Article bars issuing a check unless the drawer has funds with the drawee that can be disposed of by check at the time of issue, and requires the drawer to prove cover if denied; lack of cover does not void the check.
لا يجوز إصدار شيك ما لم يكن للساحب لدى المسحوب عليه وقت إنشاء الشيك نقود يستطيع التصرف فيها بموجب شيك طبقا لاتفاق صريح أو ضمني. وعلى ساحب الشيك أو الآمر غيره بس
- Article 95
The Article allows a check to be payable to a named person with or without an order clause, to a named person with a not-to-order clause, or to bearer, and sets when a check counts as a bearer check.
يجوز اشتراط وفاء الشيك إلى: أ - شخص معين مع النص صراحة على شرط الأمر أو بدونه. ب - شخص معين مع ذكر شرط (ليس لأمر) أو أية عبارة أخرى تفيد هذا المعنى. جـ - حامل ا
- Article 96
The Article allows a check to be drawn to the drawer's own order or for another person's account, and bars drawing it on the drawer himself except between branches of one bank, provided it is not a bearer check.
يجوز سحب الشيك لأمر الساحب نفسه، ويجوز سحبه لحساب شخص آخر، ولا يجوز سحبه على الساحب نفسه ما لم يكن مسحوبا بين فروع بنك يسيطر عليه مركز رئيسي واحد ويشترط ألا يكو
The texts are reproduced from the official website of the Bureau of Experts at the Council of Ministers for reference; where they differ, the officially published Arabic text prevails. This content is not legal advice.