Sending money from Saudi Arabia to Pakistan is a common need for expatriates, especially Pakistani workers supporting their families. However, many people face problems like high transfer fees, slow delivery, or unsafe methods. This guide explains safe, legal, and low-cost ways to send money from KSA to Pakistan in 2026, step by step.
Introduction
Many Pakistani expats in Saudi Arabia ask:
- Which is the cheapest way to send money?
- Is bank transfer better than apps?
- How long does it take to reach Pakistan?
- Is it legal and secure?
Using the wrong method can lead to extra charges, delays, or even account issues. This guide solves all those problems with verified and legal methods.
Best Ways to Send Money from Saudi Arabia to Pakistan
Method 1: Bank Transfer (SABB, Al Rajhi, SNB)
Best for: Large amounts & secure transfers
Steps:
- Visit your Saudi bank branch or mobile app
- Select International Remittance
- Enter Pakistan bank details (IBAN / Account No.)
- Confirm amount and submit
Transfer Time: 1–3 working days
Fees: Medium
Recommended Banks:
- Al Rajhi Bank
- SABB
- Saudi National Bank (SNB)
Method 2: Al Rajhi Remittance (Quick & Popular)
Best for: Pakistani workers
Steps:
- Open Al Rajhi App
- Go to Remittance → International Transfer
- Select Pakistan
- Enter receiver bank or CNIC
- Send money
Transfer Time: Same day or next day
Fees: Low
Bonus: Competitive exchange rates
Method 3: Exchange Companies (Most Used Method)
Best for: Fast & low-cost transfers
Popular companies:
- Western Union
- STC Pay
- Lulu Exchange
- Al Mulla Exchange
- Wall Street Exchange
Steps:
- Visit nearest exchange branch
- Provide Iqama & receiver CNIC
- Pay SAR amount
- Get receipt
Transfer Time: Minutes to few hours
Fees: Low
Security: Very safe
Method 4: Mobile Apps (STC Pay, Wise, Remit)
Best for: Tech-friendly users
Steps:
- Install app (STC Pay / Wise)
- Verify with Iqama
- Add Pakistan bank account
- Send money instantly
Transfer Time: Minutes to 24 hours
Fees: Very low
Convenience: High
Method 5: Cash Pickup in Pakistan
Best for: Families without bank accounts
Steps:
- Send via Western Union or Exchange
- Receiver visits agent in Pakistan
- Show CNIC & reference number
- Collect cash
Transfer Time: Same day
Comparison Table (Quick View)
| Method | Time | Fees | Best For |
| Saudi Banks | 1–3 days | Medium | Large transfers |
| Al Rajhi | Same day | Low | Regular senders |
| Exchange Companies | Minutes | Low | Fast transfers |
| Mobile Apps | Minutes | Very Low | Convenience |
| Cash Pickup | Same day | Low | No bank account |
Important Tips & Warnings
Always use legal channels
- Avoid hundi / hawala (illegal & risky)
- Double-check account details
- Compare exchange rates before sending
- Keep transfer receipt
FAQ – Frequently Asked Questions
What is the cheapest way to send money to Pakistan from Saudi Arabia?
Exchange companies and mobile apps usually offer the lowest fees.
Is it legal to send money through apps like STC Pay?
Yes, STC Pay is fully regulated in Saudi Arabia.
How much money can I send monthly?
Depends on your bank/app limits and Iqama status.
Can I send money without a bank account?
Yes, through exchange companies and cash pickup services.
Conclusion
Sending money from Saudi Arabia to Pakistan in 2026 is safe, fast, and affordable if you choose the right method. For most workers, exchange companies or Al Rajhi remittance are the best options due to low fees and fast delivery. Always avoid illegal methods and compare rates to save more money.
