The part of Mobily’s emergency credit that trips people up isn’t requesting the SAR 5 — it’s not realizing the fee comes out automatically before your recharge lands, which can make a top-up look shorter than expected.
Quick answer
Dial *1100# and navigate to “Emergency Credit” or “Loan,” or use the Mobily app → Services.
How the repayment actually works
When you next recharge, Mobily deducts the SAR 5 loan plus a small service fee from that recharge before adding the remainder to your usable balance — so a SAR 10 top-up nets less than SAR 10 in usable credit if you still owe the loan.
The details
- Amount: SAR 5 emergency credit
- Repayment: Auto-deducted from your next recharge, plus fee
- Availability: One loan at a time
Verified against Mobily’s official emergency credit guidance, August 2026.
Step-by-Step Guide
- 1
Request
*1100# > Emergency Credit, or Mobily app.
- 2
Use
SAR 5 credited.
- 3
Repay
Auto on next recharge.
Alternative Methods
Dial *1100# > Loan from your phone dialer.
Mobily App > Emergency Credit
Troubleshooting
Unavailable
Balance must be low. Clear existing loan.
One at a time
Recharge to clear, then request again.
Look Up More USSD Codes
Frequently Asked Questions
How much can I borrow?
SAR 5 of emergency credit.
Why did my recharge give me less balance than I paid for?
If you had an outstanding emergency credit loan, the amount plus a small fee was deducted automatically from that recharge first.
Why can't I get emergency credit?
You need a low balance and no outstanding loan. Clear any existing loan by recharging, then request again.
Is the app faster than *1100#?
Yes — the app skips menu navigation for a one-tap request.