Best Ways to Send Money to Pakistan from Saudi Arabia in 2025

Saudi Arabia accounts for roughly 25% of all remittances to Pakistan. The SAR to PKR corridor is well-served by: - Local exchange houses and money changers - Bank transfers via Saudi banks - Online remittance services - Mobile wallet delivery (JazzCash, Easypaisa) The Saudi Central Bank (SAMA) strictly regulates remittance services, providing strong consumer protection.

### 1. Exchange Houses and Money Changers Saudi Arabia has a large network of licensed exchange houses, particularly in areas with high Pakistani populations (Riyadh, Jeddah, Dammam, Al Khobar). Major exchange houses serving Pakistan: - **Al Rajhi Bank** — Often the best rate, especially for account holders - **Enjaz** — Fast, reliable, good rates - **Tahweel Al Rajhi** — Specialized remittance service - **STC Pay** — Mobile app, good for tech-savvy users - **Western Union** — Available at most banks **Typical rate:** 0.5-1.5 PKR below mid-market **Fee:** SAR 15-25 **Speed:** Instant for cash; 1-2 days for bank ### 2. Wise — Best Online Rate **Rate:** Mid-market SAR/PKR **Fee:** SAR 5-10 **Speed:** 1-2 business days **Delivery:** Bank deposit only ### 3. Remitly — Best for Cash Pickup **Rate:** 0.5-2 PKR below mid-market per SAR **Fee:** SAR 5-15 **Speed:** Express: minutes; Economy: 3-5 days **Delivery:** Cash pickup, bank deposit, mobile wallet ### 4. Bank Transfer via Saudi Banks Saudi banks (Al Rajhi, NCB, SABB, Riyad Bank) offer international transfers, but rates are typically 3-5 PKR below mid-market with SAR 25-50 in fees.

| Service | Rate (SAR→PKR) | Fee | Recipient Gets | Speed | |--------|----------------|-----|---------------|-------| | Al Rajhi/Enjaz | ~73.8 | SAR 20 | ~367,000 PKR | Instant | | Wise | ~74.2 (mid-market) | SAR 7 | ~370,200 PKR | 1-2 days | | Remitly Express | ~73.5 | SAR 10 | ~366,500 PKR | Minutes | | Saudi Bank | ~72 | SAR 30 | ~357,000 PKR | 3-5 days | *Rates are indicative. Use our [Remittance Optimizer](/remittance) for live rates.*

1. **Use Al Rajhi Bank if you have an account** — They consistently offer the best rates for account holders. 2. **Transfer early in the week** — Rates tend to be better Sunday-Wednesday. 3. **Use the Iqama number** — Required for all transfers in Saudi Arabia. 4. **Consider STC Pay for small regular transfers** — No fee for first transfer, good app experience. 5. **Keep transfer receipts** — Important for Musa'adah (Saudi-Pakistan social security agreement) documentation.

**Can I send money from Saudi Arabia on weekends?** Exchange houses operate on Fridays in Saudi Arabia, but Pakistani banks are closed. Online services process 24/7 but bank delivery is Monday-Friday in Pakistan. **Is there a maximum transfer limit?** SAMA requires identification for transfers over SAR 3,000 and source of funds documentation for transfers over SAR 60,000. **Which is cheapest for monthly salary transfers?** Al Rajhi Bank is typically best for regular transfers if you have an account. For one-off transfers, Wise or Remitly may offer better rates. --- **Compare live rates:** [Remittance Optimizer →](/remittance)