Send Money from Saudi Arabia to Philippines 2026 — Best SAR to PHP
Updated May 2026 · Current rate ~SAR 1 = PHP 14.85 · All SAMA-licensed providers compared
💸 Compare SAR to PHP remittance services from Saudi Arabia to the Philippines — fees, exchange rates, transfer speed, and payout methods (bank, GCash, PayMaya, M.Lhuillier cash pickup). Pick the cheapest option.
How Much Will Your Family Receive in PHP?
Recipient ReceivesPHP 0
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SAR to PHP Provider Comparison (May 2026)
Provider
Rate (1 SAR =)
Fee for SAR 1,500
Delivery
Al Rajhi Tahweel
14.80 PHP
SAR 14
Instant – 1 hour
STC Pay
14.75 PHP
SAR 12
Instant
Enjaz Bank
14.78 PHP
SAR 18
Same day
Wise
14.85 PHP
SAR 22
1–2 days
Western Union
14.60 PHP
SAR 22
Minutes (cash pickup)
MoneyGram
14.65 PHP
SAR 22
Minutes (cash pickup)
Remitly
14.78 PHP
SAR 18
Same day
💡 OFW tip: For monthly allotments to family, STC Pay's instant transfer to GCash is hard to beat. For one-off larger amounts, Wise offers the best mid-market rate. For cash pickup at M.Lhuillier or Cebuana, Western Union and MoneyGram are reliable.
How to Send Money to Philippines — Steps
Get recipient details: full name, Philippine bank account or GCash/PayMaya mobile number, mother's maiden name (required by some banks), city for cash pickup.
Open Saudi remittance app (STC Pay, Al Rajhi, Tahweel branch).
Share transfer reference number with family for tracking.
GCash, PayMaya, Maya — Mobile Wallet Tips
The Philippines' top mobile wallets — GCash (now owned by Globe Fintech Innovations), PayMaya/Maya, and Coins.ph — are widely supported by Saudi remittance providers. GCash transfers are typically instant and have lower fees than bank deposits. They have replaced cash pickup as the most popular OFW receiving method.
Cash Pickup Options in the Philippines
If your family prefers cash, these networks have nationwide branches:
M.Lhuillier — 2,500+ branches, partner with most Saudi remittance services
Cebuana Lhuillier — 2,500+ branches, especially strong in rural areas
Palawan Pawnshop — 3,500+ branches, popular in Visayas and Mindanao
BDO Remit — major bank network for cash pickup or account credit
LBC Express — combines remittance with parcel delivery
Required Documents (First-Time Senders)
Valid Iqama or Saudi national ID.
Saudi mobile number registered to your Iqama.
For large transfers (above SAR 30,000/month) — salary slip or employment letter.
Recipient's full name (as in their official ID).
Common Mistake: Forgetting the Mother's Maiden Name Field
Several Philippine banks (notably BDO and Metrobank) still require the recipient's mother's maiden name as a security field on incoming international transfers, in addition to the standard account number. Saudi senders who skip this field — because most Gulf and Wise transfer forms don't ask for it by default — are the single most common cause of a bank-deposit transfer bouncing back or getting held for manual review. Confirm with your recipient whether their receiving bank needs this before you send, especially for a first-time transfer to a new account.
What is the best way to send money from Saudi Arabia to Philippines in 2026?+
For monthly OFW allotments to family, STC Pay or Al Rajhi Tahweel direct to GCash gives the best combined rate + fee + speed (instant delivery, low fee). For larger amounts, Wise offers the best mid-market rate. For cash pickup at M.Lhuillier/Cebuana, Western Union or MoneyGram.
What is the current SAR to PHP exchange rate?+
As of May 2026, 1 SAR is approximately 14.60–14.85 PHP depending on provider. Mid-market rate is around 14.85 PHP. Most providers add a 0.5–1.5% spread.
Can I send money to GCash, PayMaya, or Coins.ph?+
Yes. All major Saudi remittance providers (STC Pay, Al Rajhi, Enjaz, Tahweel) support direct transfer to GCash, PayMaya/Maya, and Coins.ph mobile wallets. Mobile wallet transfers are usually instant and cheaper than bank deposits.
Where can my family receive cash in the Philippines?+
Major cash-pickup networks include M.Lhuillier (2,500+ branches), Cebuana Lhuillier (2,500+ branches), Palawan Pawnshop (3,500+ branches), BDO Remit, and LBC Express. Saudi providers partner with most of these — choose the one closest to your family.
Are there any fees for receiving money in the Philippines?+
Bank deposits and GCash/PayMaya transfers are typically fee-free for the recipient. Cash pickup may have a small Philippine-side handling fee (~1%) but most Saudi providers include this in the sender's fee.
Sources: Saudi Central Bank (SAMA) licensing list, provider-published exchange rates and fee schedules. Figures and rules are set by the issuing authority and may change — verify current details on the official portal before relying on them. Last reviewed: June 2026.
⚠️ Disclaimer: All results are estimates based on publicly available Saudi government regulations and rates. Always verify important financial or legal decisions with your employer, bank, or the relevant Saudi authority (Ministry of Human Resources, GOSI, ZATCA, Jawazat, or SAMA).