Saudi ArabiaSARSaudi Riyal

Money Transfer to Saudi Arabia

  • We lock the rate before payment
  • More than 100 transfers every day
  • Support at every stage of the transfer
3.57 SARper 1 USDT+0.2% over 24hCalculation refreshed today at 06:501 USDT = 3.57 SAROfficial rate; the final rate in the request may differ.
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UAE licence No. 9966786413

Al Rajhi Bank (RJHISARI)—the world's largest Islamic bank by assets—accepts transfers to IBAN SA (24 characters: SA + 2 check digits + 2 bank code digits + 18 account characters). Russians transfer SAR to Saudi Arabia for diaspora, partners, and migrant workers—Saudi Arabia has not imposed sanctions against Russia. SAR has been pegged to USD since 1986 (3.75 SAR = 1 USD)—one of the world's most stable currency pegs.

Transfers to Saudi Arabia from Russia: SAR to IBAN SA via available international routes

The route, the receiving bank and the payout amount are agreed before payment.

The Saudi riyal (SAR) has been firmly pegged to the US dollar since 1986 at the rate of 1 USD = 3.75 SAR, making it one of the most stable currencies in the region. IBAN SA contains 24 characters: SA + 2 check digits + 20 banking details. The country's major banks are Al Rajhi Bank (RJHISARI), Saudi National Bank (NCBKSAJE), Riyad Bank (RIBLSARI), and SABB / Saudi Awwal Bank (SABBSARI). Al Rajhi Bank is one of the world's largest Islamic banks with over USD 200 billion in assets and operates in accordance with Islamic banking principles. Saudi National Bank was established in 2021 following the merger of NCB and Samba Financial Group.

Bank details and transfer conditions

International transfers typically require IBAN SA, the bank's SWIFT/BIC, and the recipient's full name. Saudi Arabia has not imposed sanctions against Russia, remains an active OPEC+ partner, and maintains pragmatic bilateral relations with the Russian Federation. At the same time, international transactions undergo standard AML/KYC checks by banks and correspondents. ATM24 verifies the available route and receiving bank in advance of payment. ATM24 commission starts from 0.9%. International transfer time is several business days and is confirmed when the request is submitted.

SAR to IBAN SA via Al Rajhi, Saudi National Bank, or Riyad Bank: USD peg, no sanctions

Pick the way that suits the recipient — we agree the route and the details before payment

To Visa/Mastercard

SAR. Al Rajhi, SNB, Riyad Bank issue Visa and Mastercard. Saudi Arabia is actively developing cashless payments (Vision 2030). Details: recipient's Visa or Mastercard number. Commission from 0.9%. Confirm route and timeline with an ATM24 manager

  • Al Rajhi Bank
  • SNB
  • Riyad Bank

To IBAN SA account

SAR. IBAN SA = 24 characters (SA + 2 check digits + 2 bank code digits + 18 account characters). SAR is firmly pegged to USD (3.75), rate unchanged since 1986. SWIFT: RJHISARI (Al Rajhi), NCBKSAJE (SNB), RIBLSARI (Riyad Bank). SAR is received via SWIFT transfer with conversion. Commission from 0.9%, confirm route with ATM24 manager

  • Al Rajhi Bank
  • SNB
  • Riyad Bank

Cash SAR

SAR in cash via agreed locations. Saudi Arabia is a major economy with developed banking infrastructure. SAR pickup at agreed locations. Commission from 0.9%. Payout locations—confirm with ATM24 manager

  • Riyadh
  • Jeddah
  • Makkah

Transfer details to Saudi Arabia: IBAN SA (24 characters) + bank SWIFT + name. 1 USD = 3.75 SAR (pegged since 1986); RUB/SAR rate depends on USD/RUB. Al Rajhi Bank—the world's largest Islamic bank—is a reliable route. Confirm details with an ATM24 manager.

Rates and cost of a transfer to Saudi Arabia

We accept RUB, USD, EUR and USDT — we pay out in SAR

Reference rate for today

  • RUB SAR

    0.03985per 1 RUB

    10 000 ₽ = 399 SAR
  • USD SAR

    3.57per 1 USD

    100 $ = 357 SAR
  • EUR SAR

    4.05per 1 EUR

    100 € = 405 SAR
  • USDT SAR

    3.57per 1 USDT

    100 USDT = 357 SAR

What the recipient gets — at 1 USDT = 3.57 SAR

You sendPayout in SAR
100 USDT357 SAR
300 USDT1 072 SAR
500 USDT1 786 SAR
1 000 USDT3 572 SAR
5 000 USDT17 862 SAR
Reference values update automatically. The final fee and rate are locked in the request before payment.

Banks and payment infrastructure — Saudi Arabia

Where recipients usually get the money in Saudi Arabia

  • Al Rajhi Bank

    World's largest Islamic bank. SWIFT RJHISARI. Accepts transfers in SAR. Extensive network throughout the kingdom, popular with migrant workers.

  • SNB

    Saudi Arabia's largest bank by assets (formed in 2021 through merger of NCB and Samba). SWIFT NCBKSAJE. Accepts SWIFT transfers in SAR and USD.

  • Riyad Bank

    One of Saudi Arabia's largest banks. SWIFT RIBLSARI. Accepts international transfers in SAR. Reliable channel for receiving funds from abroad.

  • Saudi British Bank

    HSBC subsidiary. SWIFT SABBSARI. Accepts incoming transfers in SAR and USD, strong international compliance.

  • Banque Saudi Fransi

    Banque Saudi Fransi — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.

How payments work in Saudi Arabia

  • National currency

    SAR (Saudi riyal). Exchange rate firmly pegged to the US dollar since 1986: 1 USD = 3.75 SAR. The peg ensures high stability for international transfers.

  • Card systems

    Mada—national payment system with mandatory acceptance at all merchants. Visa and Mastercard are widely accepted. STC Pay—leading digital wallet. SADAD enables payment of government services.

  • Payment applications

    STC Pay—the country's leading neobank and mobile wallet. Apple Pay and Google Pay are supported by most banks. SADAD BILL—government and utilities payment system.

  • Interbank transfers

    SARIE (Saudi Arabia Riyal Interbank Express)—instant interbank transfer system, operates 24/7. Saudi IBAN contains 24 characters: SA + 2 check digits + 2 bank code digits + 18 alphanumeric account characters.

  • Financial regulator

    SAMA (Saudi Arabian Monetary Authority / Saudi Central Bank)—chief financial regulator. SAMA licenses banks, regulates payment systems, and manages the riyal's peg to the US dollar. All banks must comply with AML/KYC requirements.

  • Specifics for ATM24

    Saudi Arabia has not imposed sanctions against Russia. SAR transfers are accepted via SWIFT. Saudi banks may request documentation regarding transfer purpose and source. ATM24 verifies the route and compliance requirements of the specific bank before confirming the request.

With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.

How the transfer works to Saudi Arabia

Three steps from request to payout

  1. Step

    Send a request

    Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route

  2. Step

    Agree the route

    We check the recipient details and confirm the route, rate, fee and payout amount

  3. Step

    Pay for the transfer

    Once paid, the transfer goes out along the agreed route — we report the status in the messenger

What to prepare for the transfer

To Visa/Mastercard

  • Details: recipient's Visa or Mastercard number

To IBAN SA account

  • SWIFT: RJHISARI (Al Rajhi), NCBKSAJE (SNB), RIBLSARI (Riyad Bank)
  • SAR is received via SWIFT transfer with conversion

We verify the exact details when agreeing the available route before payment.

Why people choose ATM24

Facts, not promises

No surprises on the rate

You see the rate, the fee and the payout amount before you send the money.

Request to Saudi ArabiaLocked in
Rate
1 USDT = 3.57 SAR
Payout method
Bank transfer
Payout currency
SAR
The rate and the amount are locked when the request is confirmed and do not change afterwards.

Terms are known before payment

The route, rate, fee and payout amount are agreed before payment.

  • Route
  • Rate
  • Payout amount

Cash payout

Reference cities with payout locations. Availability of a specific location is confirmed in the request.

  • Riyadh
  • Jeddah
  • Makkah

Confirm the city before payment

Available payout options

Only methods present in both the country description and the current route are shown.

You send
  • RUB
  • USD
  • EUR
  • USDT
SAR
They receive
  • Bank transfer
  • Cash
  • MoneyGram

Customer reviews

Real stories from real people

Иван Сорокин

Google

Excellent service. Everything is clear and understandable. And the rate is good) Special thanks to manager Stanislav!🔥

Read full review

Никита К.

Yandex

I'm in Dubai, found the service on the internet. They helped quickly and I managed to exchange rubles for dirhams, withdrew at the nearest ATM!

Read full review

Мария Ивахненко

Google

Manager Stanislav helped quickly withdraw cash at a good rate. I recommend this service and will definitely use it again.

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Илья Мансуров

Yandex

Needed to exchange cash baht for rubles to card Best rate The crediting took a bit long, but because of the 5% rate difference compared to other exchangers we'll forgive the guys for the delay )

Read full review

Transfers to other countries

We agree the rate and the payout method before payment — pick where the money goes.

Questions about Saudi Arabia: SAR, riyal rate, and transfers from Russia

Saudi Arabia—SAR (riyal, USD peg=3.75), IBAN SA 24 characters. Below are answers to frequent questions about SAR to USD and RUB rates.

How can I send money to Saudi Arabia with payout in SAR through ATM24?

To send money to Saudi Arabia with payout in SAR through ATM24, start with the recipient's exact route for the Saudi Arabia SAR payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as Saudi National Bank. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

Can the recipient receive a transfer on a card or bank account in Saudi Arabia in SAR?

Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Saudi Arabia in SAR on the Saudi Arabia SAR payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Al Rajhi Bank may require a different set of details than Saudi Awwal Bank (SAB), so card and account routes are confirmed separately. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

Which banks can receive a transfer to Saudi Arabia in SAR?

For Saudi Arabia, ATM24 can review an SAR payout through banks such as Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB). The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.

What recipient details are needed to send money to Saudi Arabia in SAR?

To prepare an SAR payout in Saudi Arabia, start with the exact recipient name and receiving route. ATM24 checks Al Rajhi Bank, Riyad Bank, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

How long does a money transfer to Saudi Arabia in SAR take?

A money transfer to Saudi Arabia in SAR can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as Riyad Bank or Saudi Awwal Bank (SAB). Documents or bank review can extend the processing time. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

What is the fee for sending money to Saudi Arabia with payout in SAR?

The ATM24 fee for sending money to Saudi Arabia with payout in SAR starts from 0.9% on the Saudi Arabia SAR payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

Can I pay by international card, bank transfer, or USDT while the recipient receives SAR in Saudi Arabia?

Payment for an SAR transfer to Saudi Arabia can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Saudi Arabia SAR payout route, bank such as Riyad Bank, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

What is the minimum and maximum transfer amount to Saudi Arabia in SAR?

The minimum transfer amount to Saudi Arabia in SAR through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Saudi Arabia SAR payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes Saudi National Bank to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

What documents are needed for a large transfer to Saudi Arabia in SAR?

A large SAR payout to Saudi Arabia can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB) with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

How much will the recipient get in SAR if I send 1000 USD to Saudi Arabia?

For a 1000 USD transfer to Saudi Arabia, the live SAR estimate depends on the current ATM24 route: 3,572.34 SAR. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through Saudi National Bank or Al Rajhi Bank. The final SAR amount is fixed before payment. Bank-route examples for Saudi Arabia: Saudi National Bank, Al Rajhi Bank, Riyad Bank, Saudi Awwal Bank (SAB), and Arab National Bank (ANB).

Could not find an answer to your question?

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Send money to Saudi Arabia with ATM24

We check the available payout method, rate and route and confirm the terms before payment.

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