I would do a Stored Procedure
in your mySQL command (I think you are using mySQL)
the first line swaps the sql delimiter
DELIMITER $$
CREATE PROCEDURE IF NOT EXISTS addSaldo(IN costumerName VARCHAR(255), IN valor INT)
BEGIN
Select campo seus queries aqui .......
adicione usando variable valor ......
WHERE ...... = costumerName;
END $$
DELIMITER ;
Last line swaps the delimeter back to ";"
To use now use the query
CALL addSaldo("nomeDoCliente", valorASerAdicionado);
Using this method you will have better efficiency, better maintenance and more security.
If you want to do outside mySQL command (easy maintenance)
1) create a file addSaldo.sql
2) put the above code into this file and save
3) run the command (Linux)
mysql -u root -pSenhaDoRoot NomeDaDatabase < addSaldo.sql
Now, if you want to make a future change and just change the file, make a drop in the procedure and run this command.
As I do not know the structure of your table can not help you in the format of the queries.