Article 111 of the Saudi Commercial Papers Law
المادة 111 من نظام الأوراق التجارية · الفصل الثامن: الشيك المسطر والشيك المقيد في الحساب
The Article lets the drawer and holder cross a check with two parallel lines on its face, distinguishes general and special crossing, and treats striking out the crossing or the bank's name as if not done.
Official text (Arabic)
This article has not been amended since the law was issued.
يجوز لساحب الشيك وحامله أن يسطره وذلك بوضع خطين متوازيين في صدر الشيك، ويكون التسطير عاما أو خاصا، فإذا خلا ما بين الخطين من أي بيان أو إذا كتب بينهما لفظ (بنك) أو أي لفظ آخر في هذا المعنى كان التسطير عاما.
أما إذا كتب اسم بنك معين بين الخطين فإن التسطير يكون خاصا، ويجوز أن يستحيل التسطير العام إلى تسطير خاص، وأما التسطير الخاص فلا يستحيل إلى تسطير عام، ويعتبر كأن لم يكن شطب التسطير أو اسم البنك المكتوب فيما بين الخطين.
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 111 explained in plain English
This Article defines a crossed check, which is a check with two parallel lines placed on its face. The drawer and the holder may both do this.
There are two kinds of crossing:
- General crossing: where there is no statement between the two lines, or the word "bank" or any word of similar meaning is written between them.
- Special crossing: where the name of a particular bank is written between the two lines.
The Article sets rules on conversion and striking out:
- A general crossing may be converted into a special crossing.
- A special crossing may not be converted into a general crossing.
- Striking out the crossing, or striking out the name of the bank written between the lines, is considered as if not done, so the crossing remains in force.
The effect of crossing on the method of payment is regulated by Article 112, which limits payment of a generally crossed check to the drawee's customers or to banks, and a specially crossed check to the bank whose name is written. In practice, crossing is used to reduce the risk of a check being paid to someone other than its owner if it is lost or stolen.
Anyone with a question about a particular crossed check may consult a lawyer who specializes in banking and commercial papers.
Practical example
Ali sent a check to an establishment in Abha, drew two parallel lines on its face and wrote between them the name of the establishment's bank. Under this Article, the crossing is special, and if anyone tried to strike out the bank's name, the striking out would be considered as if not done.
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 111 of the Saudi Commercial Papers Law
What is a crossed check?
It is a check with two parallel lines placed on its face, which the drawer or the holder may do.
What is the difference between general and special crossing?
The crossing is general if there is no statement between the lines or the word "bank" or a similar word is written between them, and special if the name of a particular bank is written between them.
Can the crossing be cancelled by striking it out?
No. Striking out the crossing or the bank's name written between the lines is considered as if not done.
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.