Paying Traffic Fines with Najm and Absher in KSA

Many drivers in Saudi Arabia assume that once Najm settles an accident claim, any related traffic fines disappear too. In reality, insurance and fines are two separate matters. In this guide from سعودي ليفنج, we explain exactly what Najm does, why it is not where you pay government fines, and how to settle Saher and Muroor violations correctly through the official channels — Absher, SADAD banking, the Muroor app, Efaa, or a traffic department office.

What Najm actually does (and doesn't do)

Najm is the body that handles insurance-related accident reporting and liability assessment. When you have a road accident, Najm documents it and helps determine who is at fault so the insurance claim can be processed. That is the limit of its role when it comes to money and the government.

• Najm does not collect or process government traffic fines.
• Fines issued by Saher (automated cameras) or Muroor stay payable by the at-fault driver even after the insurance claim is closed.
• To pay a fine, you must use a government channel: Absher, Efaa, SADAD/bank channels, or the Muroor app.

In short: resolving your insurance claim through Najm and paying your traffic fines are two independent steps. Don't wait for one to clear the other.

The official channels for paying fines

You have several government-approved ways to check and settle traffic violations:

• Absher — the primary government e-service portal and app for inquiring about and paying violations.
• SADAD / Government Payments — through Saudi bank apps, online banking, ATMs, and branches, using the Ministry of Interior traffic violations biller.
• Muroor app — pay fines directly via the app's built-in payment gateway.
• Efaa (efaa.sa) — the national violations payment portal, which also serves visitors.
• Traffic department offices (Muroor) — in-person payment via card terminals or cash in major cities.

Paying via Absher — step by step

Absher is the most common route for residents and citizens. The current flow is:

• Log in to the Absher website or app using your National ID or Iqama number and password.
• Go to My Services → Traffic Services → Traffic Violations (or Traffic violation inquiries).
• Review the list of outstanding violations and select the specific fines you want to pay.
• Choose your payment method: Mada debit card, Visa/MasterCard credit card, or SADAD/linked bank account.
• Complete the payment through the gateway. The status updates automatically and a receipt or payment reference is generated.

Keep the payment reference for your records in case you need to prove settlement later.

Paying via SADAD and banking channels

If you prefer your bank app or an ATM, you'll use the SADAD biller for traffic violations (Ministry of Interior – Traffic Violations). Depending on how your bank labels it, the biller code is commonly referenced as 007 or 071.

• From the bank app: open Payments → Government Payments / SADAD → Traffic Violations, enter your National ID/Iqama or violation number, review the amounts, and confirm.
• From an ATM: choose Government Payments / SADAD → Traffic Violations, enter your ID/Iqama, select the displayed fines, and pay.
• At a bank branch: pay at the counter with your ID/Iqama and violation details; the payment is processed through SADAD.

Paying via Efaa and the Muroor app

The Efaa portal (efaa.sa) is especially useful for visitors and residents who want a dedicated violations service. Log in, choose Pay Violations, select the traffic violation type, and enter the required details such as ID, border number, or violation number. Pick the specific violation to settle, click Pay Now, and complete the payment.

The Muroor app offers the quickest path for many drivers: it lets you view and pay fines directly through its own payment gateway without switching to another service.

Practical tips before you pay

• Always confirm the exact fine amount and any applicable discount window on the official channel before paying — figures and timelines can change, so verify on Absher or the Muroor app.
• Save the digital receipt or reference number after every payment.
• Remember that clearing a Najm insurance claim does not clear your fines — check separately.
• If a violation looks incorrect, use the official objection process rather than simply paying it.

For the most up-to-date fees, deadlines, and biller details, always confirm directly on the relevant official Saudi government portal — Absher, Efaa, or the Muroor app.

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