How much does it cost to transfer SAR to PKR with Wise?

Wise charges approximately 0.7%–1.2% of the transferred amount for SAR to PKR transfers, with no hidden markup on the exchange rate. On SAR 1,000, fees are typically SAR 8–12. Transfer usually arrives within 1 business day.

Is it cheaper to use STC Pay or Al Rajhi for Pakistan remittance?

STC Pay typically offers better exchange rates than Al Rajhi for SAR to PKR transfers. However, Al Rajhi offers cash pickup options which STC Pay does not. For bank-to-bank transfers, STC Pay is usually cheaper.

Best Ways to Send Money from Saudi Arabia to Pakistan in 2026 — Full SAR to PKR Guide

Q: What is the best app to send money from Saudi Arabia to Pakistan in 2026?

Wise and STC Pay consistently offer the best SAR to PKR exchange rates in 2026 with the lowest fees. Al Rajhi Bank is best for cash pickup. Remitly is good for speed. Western Union has the widest network but higher fees.

By Saudi Utility Hub Team · Published May 2026 · 8 min read · Last updated: May 14, 2026

Quick answer: Wise and STC Pay offer the best rates for SAR → PKR in 2026. Al Rajhi is best for cash pickup. Western Union is widest network. Compare all fees instantly with our SAR to PKR calculator.

Over 2.5 million Pakistanis live and work in Saudi Arabia, sending billions of riyals home every year. Choosing the right transfer service can save you hundreds of riyals annually. In this guide, we compare every major service available in KSA so you can send the most PKR home for every riyal you earn.

Top 5 Ways to Send SAR to PKR in 2026

Service	Fee on SAR 1,000	Exchange rate	Speed	Cash pickup
🏆 Wise Best rate	~SAR 8–12	Mid-market rate	1–2 days	No
STC Pay	SAR 10–15	Near mid-market	Minutes	Yes (selected)
Al Rajhi Bank	SAR 5 + margin	Bank rate (2–4% below)	1–3 days	Yes (wide network)
Remitly	SAR 0 (promo)	Mid-market +1%	Minutes–1 day	Yes
Western Union	SAR 18–25	Bank rate (3–5% below)	Minutes	Yes (widest network)

💡 Pro tip: The exchange rate margin costs more than the transfer fee. A service with "zero fees" but a 4% lower exchange rate on SAR 2,000 costs you SAR 80 more than a service charging SAR 10 fee at the real rate. Always check the total PKR received, not just the fee.

Wise — Best Overall for SAR to PKR

Wise (formerly TransferWise) uses the mid-market exchange rate with a transparent percentage fee. For regular workers sending SAR 1,000–5,000 monthly, Wise typically delivers the most PKR per riyal. The app is available in Saudi Arabia, supports Saudi bank accounts and credit cards, and transfers usually arrive within 24 hours.

How to use Wise from Saudi Arabia

Download the Wise app or visit wise.com
Create an account with your Iqama or Saudi ID
Enter the amount in SAR and select PKR as destination
Add your recipient's Pakistani bank account (Meezan, HBL, UBL, etc.)
Pay from your Saudi bank account or debit card

Al Rajhi Bank — Best for Cash Pickup

Al Rajhi Bank has one of the widest pickup networks in Pakistan, with agents in every city and most towns. If your family does not have a bank account, Al Rajhi is still a reliable choice. However, the exchange rate is typically 2–4% below the mid-market rate, making it more expensive for large transfers.

STC Pay — Best for Speed

STC Pay can send money to Pakistan within minutes for STC subscribers. The rates are competitive and improving. Available directly from your phone — no branch visit needed. Best used when speed matters more than maximizing the exchange rate.

Use Our Free SAR to PKR Comparison Tool

👉 Compare live rates from Wise, Al Rajhi, STC Pay, Remitly and Western Union

See exactly how much PKR your family receives for any SAR amount.

Open SAR to PKR Calculator →

Tips to Save More When Sending to Pakistan

Send larger amounts less frequently — flat fees eat less into bigger transfers
Avoid weekends — exchange rates can widen on Fridays/Saturdays
Use bank accounts, not cash pickup — bank-to-bank rates are usually better
Check for new-user promotions — Wise and Remitly often offer first-transfer fee waivers
Compare before every transfer — rates change daily

Frequently Asked Questions

What is the best app to send money from Saudi Arabia to Pakistan in 2026? ▼

Wise and STC Pay offer the best SAR to PKR exchange rates in 2026. Wise is best for maximum PKR per riyal. Al Rajhi is best for cash pickup. Remitly is best for first-time users due to promotions.

Is there a limit on how much I can send from Saudi Arabia to Pakistan? ▼

Saudi Arabia does not impose limits on personal remittances for residents with a valid Iqama. However, individual services have daily/monthly limits: Wise (up to SAR 50,000 per day), Al Rajhi Bank (SAR 100,000 per transaction via app). For large amounts, bank wire is most reliable.

Do I need an Iqama to send money from Saudi Arabia? ▼

Yes. All official money transfer services in Saudi Arabia require valid identification — your Iqama (residency permit) or Saudi national ID. You cannot legally send money through official channels without a valid Iqama.

Related Tools

This article is for informational purposes only. Exchange rates change daily. Always verify current rates directly with the transfer service before sending. Saudi Utility Hub earns affiliate commission from some services linked above.