Is Wise Available in Egypt, Saudi Arabia and the Rest of the Arab World?

Every Arab country at a glance

Every cell comes from the official Wise pages listed at the bottom, checked on 23 October 2026. ✅ = in the local currency, 🟡 = USD or EUR only, ❌ = not available. Where the local currency is available, you can also send USD or EUR by Swift.

Local transfer vs Swift: what's the difference?

Either way you pay in EUR, GBP, CHF or USD, and you see the rate and the fee before you confirm. What differs is how the money travels:

• Local transfer (Egypt, Morocco, UAE): the money arrives in EGP or MAD or AED in the bank account, usually the same working day in Egypt, in 1 to 3 working days in Morocco and in 0 to 2 working days in the UAE.
• Local currency over Swift (Saudi Arabia, Kuwait, Qatar, Bahrain, Oman, Tunisia, Algeria): the money arrives in riyals or dinars in a bank account, and you need the IBAN or account number, the bank's SWIFT code and the recipient's address. Wise says Swift transfers usually take 1 to 6 working days, and intermediary banks may take extra fees.
• USD or EUR by Swift (Lebanon, Mauritania): the money arrives in USD or EUR, and the recipient's bank decides how it's credited.

Note: Wise's country pages show SAR, KWD, QAR, BHD, OMR, TND and DZD transfers, while the currency list in its help centre hasn't been updated yet. The app shows you what's really available when you pick the country.

Is Wise available in Egypt?

Yes, for sending to Egypt. The money arrives in Egyptian pounds in any Egyptian bank account (personal or business), using the recipient's 29-character Egyptian IBAN. Wise doesn't pay out to Vodafone Cash or InstaPay, and there's no cash pickup: the money goes to a bank account only.

If you live in Egypt: you can sign up, but you can't hold a balance, order the card or pay in EGP. So for someone in Egypt, Wise is mostly about receiving a transfer from abroad into their bank account.

→ Full guide: send money to Egypt with Wise

Is Wise available in Saudi Arabia and the Gulf?

Sending to Saudi Arabia, Kuwait, Qatar, Bahrain and Oman works in each country's own currency (riyal or dinar) to a bank account over the Swift network, and USD or EUR are possible too.

If you live in the Gulf: you can open an account, and in Saudi Arabia, Kuwait, Qatar and Bahrain you can hold money. But Wise doesn't accept payment in SAR, AED, KWD or QAR. So, based on Wise's current pages, sending SAR from Saudi Arabia to Egypt isn't a Wise route.

Is Wise available in Morocco, Algeria and Tunisia?

• Morocco: yes, in Moroccan dirham to a bank account, using the 24-digit RIB (not an IBAN). Full guide
• Algeria: Algerian dinar to a bank account over Swift, or USD or EUR. Full guide
• Tunisia: Tunisian dinar to a bank account over Swift, or USD or EUR. Full guide

Is Wise available in Iraq, Syria, Yemen, Sudan or Libya?

No. These are on Wise's list of countries it doesn't operate in. You can't send money there, receive money from there, or sign up, log in or use the card there. Jordan and Palestine aren't on Wise's send lists either.

If your family is in one of these countries, see our guides to the options that do work there with crypto: Iraq, Syria, Yemen, Sudan, Libya, Jordan, Palestine

Sending money from Saudi Arabia, Kuwait or the UAE to Morocco, Lebanon or Tunisia

Want to send money from Saudi Arabia to Morocco, from Kuwait to Lebanon, from the UAE to Tunisia, or between Algeria, Tunisia and Morocco? The answer is the same for all of these routes:

• Not with Wise in your own currency. Wise does not accept payment in any Arab currency: not Saudi riyal, UAE dirham, Kuwaiti dinar, Qatari or Omani riyal, Bahraini, Algerian or Tunisian dinar. So someone living in the Gulf, Algeria or Tunisia cannot pay for the transfer from their bank account there.

• If you have a bank account outside the Arab countries in a currency Wise accepts (euro, pound, franc or dollar), you can pay from it and send to Morocco, Tunisia, Algeria, the UAE or Saudi Arabia in the local currency, or to Lebanon and Mauritania in dollars or euros, as in the table above.

• What many people use instead: USDT. You buy USDT with your currency on P2P, send it to the recipient, and they sell it for their local currency. In order:

  1. Buy USDT where you live: Saudi Arabia, UAE, Kuwait, Qatar, Oman, Bahrain, Algeria, Tunisia.
  2. Send the USDT to the recipient on the same exchange or to another one: how to send USDT.
  3. The recipient sells it for their currency: Morocco, Lebanon, Tunisia, Algeria, Egypt, Jordan, Saudi Arabia, UAE.

  Before your first P2P trade, read the most common P2P scams and how to avoid them.

The Wise card in Arab countries

The Wise card isn't available to residents of any Arab country. It's available to residents of places like Europe, the UK, Switzerland, the US and Canada. Wise card guide

FAQ

Did Wise stop working in Egypt?

No. Sending EGP to Egypt works according to Wise's current pages (checked October 2026). What's limited is that residents of Egypt can't hold a balance or pay in EGP.

Can I send money from Wise to Vodafone Cash?

No. Wise pays out to an Egyptian bank account only. Once the money is in the bank, the account holder can move it themselves.

Can I open a Wise account in Saudi Arabia?

Yes, and you can hold money, but you can't pay in SAR, and the Wise card isn't available there.

Does Wise work in Iraq?

No. Iraq is on Wise's list of countries it doesn't operate in.

Can I send money from Saudi Arabia to Morocco with Wise?

Not in Saudi riyal: Wise does not accept payment in riyal. If you have an account in Europe, the UK or the US in a currency Wise accepts, you can pay from it and send to Morocco in Moroccan dirham. The same goes from Kuwait or the UAE to Lebanon or Tunisia.

What is the alternative for sending from the Gulf to another Arab country?

Many people buy USDT with their currency on P2P, send it to the recipient, and the recipient sells it for their local currency. The steps and links for each country are in the section above.

I live in Germany. Which Arab countries can I send to?

Egypt, Morocco, the UAE, Saudi Arabia, Kuwait, Qatar, Bahrain, Oman, Tunisia and Algeria in their own currency, and Lebanon and Mauritania in USD or EUR.

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Last updated: 8 November 2026 · All facts from the official Wise help pages listed above.