1. Platform Overview

Medref is a Saudi fintech platform that allows employees to access a portion of their already-earned salary before the official payday — without any loans or interest charges.

2. Login & Authentication

Medref uses a secure two-step OTP (One-Time Password) login — no static password required for employees.

How to Log In

1. Open the Medref PortalNavigate to the Medref URL provided by your employer, or download the Medref mobile app.
2. Click "تسجيل الدخول" (Login)Tap the login button on the homepage.
3. Enter your registered mobile numberUse the phone number your HR department registered for you (format: 05xxxxxxxx).
4. Receive OTP via SMSA 6-digit code will be sent to your phone. Enter it within 5 minutes.
5. Access your dashboardYou are now logged in securely.

Language Toggle

The portal supports both Arabic (العربية) and English. Click the EN / AR button in the top corner to switch languages at any time. The interface will automatically switch its text direction (RTL for Arabic, LTR for English).

3. Employee Dashboard

After logging in, you will see your personal dashboard — the central hub for all Medref features.

Dashboard Components

Element	Description
Available Balance Card	Shows how much of your earned salary you can withdraw today
Monthly Salary	Your gross monthly salary as recorded by HR
Days Worked	Number of working days elapsed this month
Service Fee	The fixed fee that will be deducted for the withdrawal
Total Deduction	Amount + Fee that will be deducted from your next payslip
Active Request Banner	If you have a pending request, its status is shown here

Navigation Sidebar

• الرئيسية (Home) — Dashboard overview
• طلب أجر (EWA Request) — Request an earned wage advance
• العمليات (Transactions) — Your transaction history
• مدرف ولاء (Loyalty) — Coupons, offers, and rewards
• حسابي (My Account) — Profile and settings

4. Requesting an Earned Wage Advance (EWA)

The EWA feature allows you to access your earned salary before payday.

Eligibility Conditions

• Your account must be active (activated by HR)
• You must have available balance (earned wages exceed the minimum)
• You must not have an active pending request (status: new or under review)
• Your company must have the EWA service enabled

How to Submit a Request

1. Go to "طلب أجر" (EWA Request)Click the EWA page from the sidebar.
2. Review your available balanceThe system shows how much you can request today based on days worked.
3. Enter the amountType the amount you wish to withdraw. It must be within the available limit set by your company (typically up to 50% of earned wages).
4. Review the fee breakdownThe service fee is calculated automatically. Review: Amount requested + Service fee + VAT = Total deduction.
5. Accept TermsCheck both checkboxes to confirm you agree to the terms and conditions.
6. Click "تأكيد الطلب" (Confirm Request)Your request is submitted to your HR manager for review.

Request Status Flow

Status	Meaning	What to do
New	Request submitted, awaiting HR review	Wait for HR approval
Under Review	HR is reviewing your request	No action needed
Confirmed	Request approved, funds disbursed	Check your bank account
Cancelled	Request rejected or cancelled	You may submit a new request

5. Transaction History

The Transactions page (العمليات) shows a complete history of all your financial activities on Medref.

What You'll See

• Date and time of each transaction
• Transaction type (EWA withdrawal, service fee, salary deduction)
• Amount (credit or debit)
• Running balance
• Reference number

6. Expense Tracking

Track your personal spending by logging expenses directly in Medref. This helps you understand your spending patterns.

Adding an Expense

1. Go to ExpensesNavigate to the expenses section from the menu.
2. Click "Add Expense"Fill in: Category, Amount (SAR), Date, and optional Description.
3. SaveThe expense is logged and added to your monthly summary.

Expense Categories

7. Loyalty & Offers

The Medref Loyalty program (مدرف ولاء) gives you access to exclusive discounts and offers from partner merchants.

Coupons

Browse available discount coupons from Medref's partner merchants. Each coupon shows:

• Merchant name and logo
• Discount percentage or fixed amount
• Coupon code to use at checkout
• Validity dates
• Minimum order requirement (if any)

Offers

Browse time-limited promotional offers from partner merchants. Offers include:

• Special deal descriptions
• Original price vs. discounted price
• Validity period
• Partner store locations

8. My Account & Profile

Access your account settings by clicking "حسابي" (My Account) in the sidebar.

Profile Information

Field	Description
Full Name	Your registered name
Mobile Number	Used for OTP login
Company	Your employer's name
Monthly Salary	Gross salary as set by HR
Bank Account	IBAN for wage disbursement
Date of Birth	For identity verification

9. Frequently Asked Questions

Is this a loan?

No. Medref only gives you access to wages you've already earned — it is not a loan and does not affect your credit score.

How much can I withdraw?

The available amount depends on: your monthly salary, how many working days have passed this month, and your company's withdrawal limit (typically 50% of earned wages).

When will the money arrive?

Processing time depends on your bank. Once your request is confirmed by HR, funds are typically disbursed within 1–2 business days.

Can I have two active requests at the same time?

No. You can only have one active EWA request at a time. Once it is confirmed or cancelled, you may submit a new one.

How is the service fee calculated?

The fee is a fixed charge per transaction block (as defined by your company's agreement with Medref). VAT is applied on top of the fee. The exact amounts are shown on the request page before you confirm.

What if I forget my OTP?

OTPs expire after 5 minutes. Simply request a new one by clicking "Resend OTP" on the verification screen.