Compare real costs of sending money from KSA: Al Rajhi, STC Pay, Wise, Western Union. See who gives your family the most PKR, INR, or PHP.
Updated June 2026 • Covers 8 countries • 12 providers
For SAR→PKR transfers under SAR 2,000, Al Rajhi Bank offers the best value (~75.5 PKR/SAR, no fee). For larger amounts, STC Pay and Wise provide lower margins. Always compare the final "receiver gets" amount — not just the fee.
⚠️ Important: Exchange rates and fees below are illustrative examples to show how providers typically compare against each other — not live, current quotes. Remittance exchange rates change continuously, often within the same day, and each provider only shows you the exact real-time rate once you open their app and enter your transfer amount. Always check the live rate in the provider's own app immediately before sending — the relative ranking shown here (which type of provider tends to be cheaper for which amount) is more reliable than the specific numbers.
Compare Your Transfer
You SendSAR 1,000
Best ProviderAl Rajhi Bank
Receiver Gets75,500 PKR
Total Cost (Fee + Margin)~1.8%
🏆 Top Providers Compared (June 2026)
Based on real transfers of SAR 1,000 to Pakistan (PKR):
Example rates shown below for comparison purposes — open each provider's app for today's exact live rate before sending.
Provider
Fee (SAR)
Exchange Rate
Receiver Gets
Speed
Al Rajhi Bank
0
75.5 PKR/SAR
75,500 PKR
Instant
STC Pay
0
75.2 PKR/SAR
75,200 PKR
Instant
Wise
12
75.8 PKR/SAR
74,890 PKR
1 day
Western Union
25
74.0 PKR/SAR
72,150 PKR
15 min
Tahweel Al Rajhi
15
74.8 PKR/SAR
73,680 PKR
Instant
📖 How to Use This Comparison Tool
Enter your send amount (e.g., SAR 1,000)
Select destination country (Pakistan, India, etc.)
Choose speed preference (instant vs cheaper)
See who gives the most local currency to your family
Visit the provider’s official app or website to complete your transfer securely
📊 Real Example: Sending SAR 2,000 to India
Scenario: Ahmed in Riyadh sends SAR 2,000 to his mother in Delhi.
Provider
Fee
Rate (INR/SAR)
Receiver Gets
Al Rajhi
SAR 0
22.15
44,300 INR
STC Pay
SAR 0
22.10
44,200 INR
Wise
SAR 15
22.25
44,166 INR
Winner: Al Rajhi Bank — highest amount received, instant transfer.
Reviewed by the Saudi Utility Hub Editorial Team
Researched against official Saudi sources (SAMA licensing data, bank-published tariffs) and provider rate structures.
Last reviewed: June 2, 2026 | Next review: July 1, 2026
Figures shown are illustrative examples based on typical provider fee structures and historical rate patterns — not live, real-time quotes. Always confirm the exact current rate in the provider's app before transferring. Learn more about our review process.
ZATCA – Oversees anti-money laundering compliance for remittances.
Disclaimer: Rates change hourly. Results are estimates. Always confirm final amount in the provider’s app before sending.
❓ Frequently Asked Questions
What is the cheapest way to send money from Saudi Arabia to Pakistan?
As of June 2026, Al Rajhi Bank offers the lowest total cost for SAR→PKR transfers under SAR 2,000, with a rate of ~75.5 PKR/SAR and no fee. For larger amounts, STC Pay and Wise provide competitive rates.
Which provider is fastest for SAR to India?
STC Pay and Al Rajhi offer instant transfers to major Indian banks (within 10 minutes). Western Union takes 15–30 minutes for cash pickup.
Do remittance providers charge hidden fees?
Yes. Many advertise 'zero fee' but apply a poor exchange rate (margin of 2–5%). Always check the final 'receiver gets' amount, not just the fee.
Is it better to use a bank or money-transfer operator?
For small amounts (SAR 5,000), banks like Al Rajhi or SNB offer better rates and lower margins.
What documents are needed to send money from KSA?
Valid Iqama or Saudi ID, recipient's full name, bank account number (or mobile number for wallet transfers), and purpose of transfer (required by SAMA).
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⚠️ 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).
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