URL: https://exchangesteps.com/wise-send-money-to-saudi-arabia Updated: 2026-10-23 Sources: https://wise.com/gb/send-money/send-money-to-saudi-arabia , https://wise.com/gb/iban/saudi-arabia , https://wise.com/gb/swift-codes/countries/saudi-arabia , https://wise.com/gb/swift-codes/countries/saudi-arabia/THE%20SAUDI%20NATIONAL%20BANK , https://wise.com/gb/swift-codes/countries/saudi-arabia/AL%20RAJHI%20BANK , https://wise.com/gb/swift-codes/countries/saudi-arabia/RIYAD%20BANK , https://wise.com/gb/swift-codes/countries/saudi-arabia/SAUDI%20AWWAL%20BANK%20%28FORMERLY%3A%20THE%20SAUDI%20BRITISH%20BANK%29 , https://wise.com/gb/swift-codes/countries/saudi-arabia/BANQUE%20SAUDI%20FRANSI , https://wise.com/gb/swift-codes/countries/saudi-arabia/ARAB%20NATIONAL%20BANK , https://wise.com/help/articles/5Fwvk7KFzbTBohJiUu0Ryd/sending-with-swift , https://wise.com/help/articles/2974947/what-countries-and-regions-can-i-send-usd-to-via-swift , https://wise.com/help/articles/2978075/which-countriesregions-can-i-send-eur-to-via-swift , https://wise.com/help/articles/2946451/how-much-does-it-cost-to-send-usd-to-countries-outside-the-us , https://wise.com/help/articles/2968916/sending-eur-to-countries-outside-of-europe , https://wise.com/help/articles/2977959/how-do-i-send-money-with-wise , https://wise.com/help/articles/2522717/fees-for-sending-money , https://wise.com/help/articles/2amMyWoOyhgTL0CkDcY2m4/what-are-dynamic-charges , https://wise.com/help/articles/2559761/how-to-pay-by-bank-transfer , https://wise.com/help/articles/2556723/how-to-pay-by-card , https://wise.com/help/articles/2973523/paying-for-a-transfer-with-apple-or-google-pay , https://wise.com/help/articles/2932148/guide-to-gbp-transfers , https://wise.com/help/articles/2932149/guide-to-eur-transfers , https://wise.com/help/articles/2932338/guide-to-chf-transfers , https://wise.com/help/articles/2932150/guide-to-usd-transfers , https://wise.com/help/articles/2932153/guide-to-cad-transfers , https://wise.com/help/articles/3xConsbhr7buWkQuqDEQ5V/how-do-i-verify-my-country-of-residence , https://wise.com/help/articles/2571907/what-currencies-can-i-send-to-and-from , https://wise.com/help/articles/2v3OMcg97Z7gObSifJbjsu/understanding-wises-position-on-cryptocurrency # How to Send Money to Saudi Arabia with Wise > **Quick answer** > - Wise sends **Saudi riyals (SAR) to a bank account in Saudi Arabia**. The money travels over the **Swift** network, so you fill in Wise's Swift form. > - Ask your family for their **24-character IBAN** (SA at the start), the **SWIFT/BIC code** of their bank and their **address**. > - Wise puts the usual Swift payout time at **1-6 working days**. > - Payout to bank accounts only: **no cash pickup, no wallets**, and SAR can't go to a Wise account. > - **If you're based in Saudi Arabia**, Wise won't take SAR as payment. More in the section for residents further down. > > **[Open your Wise account →]** ## What your family receives in Saudi Arabia **Saudi riyals (SAR)**, delivered by Swift to their bank account in Saudi Arabia. Accounts held in USD or EUR can get those instead. We checked the route in the Wise web app on 23 October 2026: SAR is offered, but only to a bank account ("You can't currently send SAR to a Wise account"). There's no published per-transfer limit for SAR, and Wise doesn't list what the receiving bank charges. Cash pickup and mobile wallets aren't available, only bank accounts. ## What you need from your family Get the **24-character IBAN** and the bank's **SWIFT/BIC code**, along with their **name, city, address and post code** as they appear at the bank. Field-by-field help for the Swift form: [how to send money with Wise](https://exchangesteps.com/how-to-send-money-with-wise). ### How many characters is an IBAN in Saudi Arabia? 24 characters. According to Wise's Saudi Arabia IBAN page: - **SA**: the country code - **2 check digits** - **2 digits**: the bank code - **18 characters**: the account number It's shown in the bank's app and on account statements, and the branch can give it too. ### SWIFT codes of the main banks in Saudi Arabia | Bank | SWIFT / BIC (main code) | |---|---| | The Saudi National Bank (SNB) | NCBKSAJEXXX | | Al Rajhi Bank | RJHISARIXXX | | Riyad Bank | RIBLSARIXXX | | Saudi Awwal Bank (SAB) | SABBSARIXXX | | Banque Saudi Fransi | BSFRSARIXXX | | Arab National Bank | ARNBSARIXXX | We took each bank's main code (ending in XXX) from Wise's Swift directory on 23 October 2026. Some banks have separate branch codes, so it's worth asking your family to confirm theirs. ## Step by step: send money to Saudi Arabia with Wise 1. Open a Wise account and get verified ([create a Wise account](https://exchangesteps.com/how-to-create-wise-account), [Wise verification](https://exchangesteps.com/wise-identity-verification)). 2. Go to **[Send]**, then **[+ Add]** (new recipient), and type **SAR** under "Select their currency". 3. Choose **[Bank details]** and fill in the Swift form with your family's 24-character IBAN and their bank's SWIFT code (table above). For SAR, **Search on Wise** is greyed out: SAR goes to a bank account only. 4. Type the amount, check everything on **Review**, and **Pay** from a bank account in your own name. Every screen with Wise's exact labels: [how to send money with Wise](https://exchangesteps.com/how-to-send-money-with-wise). ## Sending to Saudi Arabia from the UK, Europe, Switzerland, the US and Canada Wise takes payment in your local currency: from the UK in GBP (bank transfer, usually seconds); from the euro area in EUR (SEPA); from Switzerland in CHF (from a Swiss bank; instant transfers arrive in 15-30 minutes); from the US in USD (ACH, wire or card); from Canada in CAD (Interac e-Transfer and others). On Wise's Saudi Arabia page, SAR is offered from EUR, GBP and CHF. Paying in another currency? The app tells you whether SAR is available; if not, choose USD or EUR. Each payment method's limits and timing: [how to send money with Wise](https://exchangesteps.com/how-to-send-money-with-wise). ## How long does a transfer to Saudi Arabia take? Wise's Saudi Arabia page estimated "by Tuesday, 27 October" for a transfer paid in CHF on Friday 23 October 2026. Conversion can take up to 2 working days, then Wise says the Swift payout usually takes 1-6 working days. Before you pay, the app shows when your own transfer should arrive. ## Fees for sending to Saudi Arabia The fee, the exchange rate and the amount that arrives are all on screen before you confirm. On Swift, intermediary banks may still take fees along the way. More on how Wise prices a transfer: [Wise fees](https://exchangesteps.com/wise-fees). ## If you live in Saudi Arabia You can open a personal account and hold money in it, but you **can't pay in SAR**, and the Wise card isn't available in Saudi Arabia. Paying in USD with a card issued in Saudi Arabia counts as an international card, which costs more. Sending home to Egypt? See [send money to Egypt with Wise](https://exchangesteps.com/wise-send-money-to-egypt) and [Wise in the Arab world](https://exchangesteps.com/wise-supported-countries). ## FAQ **Does Wise work in Saudi Arabia?** For sending to Saudi Arabia, yes: SAR to a Saudi bank account over Swift, or USD and EUR. If you live in Saudi Arabia, you can sign up and hold money, but you can't pay in SAR and the card isn't available. **Can I send money from Saudi Arabia to Egypt with Wise?** Not with SAR: it isn't a payment currency on Wise. USD by card or Swift is allowed for people outside the US, though a card issued in Saudi Arabia paying in USD is treated as an international card, which costs more. The calculator shows the full price first. **Can I get the Wise card in Saudi Arabia?** No. The Wise card isn't available to residents of Saudi Arabia or any other Arab country. **What's the SWIFT code of Al Rajhi Bank?** Wise's Swift directory lists **RJHISARIXXX** as its main code. Banks can have branch codes too, so check the code on your family's bank documents. **How long does Wise take to Saudi Arabia?** Wise says Swift payouts usually take 1-6 working days, plus the time your payment needs to reach Wise. On 23 October 2026, Wise's Saudi Arabia page estimated "by Tuesday, 27 October" for a transfer paid in CHF that day. ## Get started **[Open your Wise account →]** --- *Last updated: 23 October 2026 · All facts from the official Wise pages listed above.*