Article 92 of the Saudi Commercial Papers Law
المادة 92 من نظام الأوراق التجارية · الفصل الأول: إنشاء الشيك
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.
Official text (Arabic)
This article has not been amended since the law was issued.
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 المبين بجانب اسم المسحوب عليه، فإذا تعددت الأماكن المبينة بجانب اسم المسحوب عليه اعتبر الشيك مستحق الوفاء في أول مكان منها، وإذا خلا الشيك من هذه البيانات أو من أي بيان آخر اعتبر مستحق الوفاء في المكان الذي يقع فيه المحل الرئيسي للمسحوب عليه.
ب - إذا خلا الشيك من بيان مكان الإنشاء اعتبر منشأ في المكان المبين بجانب اسم الساحب.
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 92 explained in plain English
Article 91 sets out the particulars a check must contain, such as the word "check", the unconditional order to pay a fixed sum, the drawee's name, the place of payment, the date and place of issue, and the drawer's signature. Article 92 then explains the effect of lacking any of them: as a rule, an instrument lacking one of them is not considered a check.
However, the Article excepts only two cases in which the omission may be supplied by operation of law:
- No place of payment: the check is considered payable at the place written beside the drawee's name. If several places are stated beside the name, the first of them counts. If the check lacks these particulars or any other particular, it is considered payable at the place where the drawee's head office is located.
- No place of issue: the check is considered issued in the place written beside the drawer's name.
The omission of other particulars, such as the signature, the amount, the word "check", the drawee's name or the date, is not covered by these exceptions, so under the Article the instrument remains not considered a check. This is linked to Article 93, which requires a check issued in the Kingdom and payable there to be drawn on a bank.
Anyone holding a paper whose particulars they doubt are complete, and who wishes to know the effect on their rights, would do well to consult a lawyer who specializes in commercial matters and commercial papers.
Practical example
Ahmed received a check from an establishment in Jeddah, drawn on a bank, with no place of payment written on it, but the address of the bank's branch in Riyadh was printed beside the bank's name. Under this Article, the instrument remains a check and is considered payable in Riyadh, the place stated beside the drawee's name.
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 92 of the Saudi Commercial Papers Law
Is a check invalid if the place of payment is not written on it?
No. It is considered payable at the place stated beside the drawee's name; if there is none, it is considered payable at the place of the drawee's head office.
What if the place of issue is not stated on the check?
The check is considered issued in the place stated beside the drawer's name.
Does the instrument remain a check if a particular other than these two places is missing?
No. The Article provides that an instrument lacking one of the particulars listed in Article 91 is not considered a check except where the place of payment or the place of issue is missing.
Articles this article refers to
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 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
- Article 97
The Article makes the drawer of a check guarantor of its payment, and treats any clause by which the drawer exempts himself from this guarantee as if it had not been written.
يضمن الساحب وفاء الشيك، وكل شرط يعفي الساحب نفسه من هذا الضمان يعتبر كأن لم يكن.
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.