We’ve analysed and compared 4 ways to send money from India to Saudi Arabia.
Wise with bank transfer deposit and bank deposit payout is the cheapest way to send money from India to Saudi Arabia. Sending 22,100 INR will get you 806.32 SAR in Saudi Arabia.
| 4 of 4 providers Last updated on 28 September 2026 | |||
| Based on 22,100 INR transfer Best companies for INR/SAR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee ₹1,484.28 1 INR = 0.0391 SAR +0.02% vs mid-market | Recipient gets SAR 806.32 Next day | |
Ways to receive money in Saudi Arabia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT ₹1,484.281 INR = 0.0391 SAR SAR 806.32You pay₹22,100.00 | |||
Run a live search Showing top India to Saudi Arabia deals for 22,100 INR. Do a live search with your exact amount for today's best rates. | |||
Run a live search Showing companies that send from a business account. Run a business search to get live INR to SAR rates. | |||
Run a live search These companies offer multi-currency accounts for spending SAR. We suggest doing a live search based on how much INR you're planning to spend in Saudi Arabia. | |||
Run a live search These are managed services with real human support for large INR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Wise Pay via Bank transfer | Fee ₹1,484.28 1 INR = 0.0391 SAR +0.02% vs mid-market | Recipient gets SAR 806.32 Next day | |
Ways to receive money in Saudi Arabia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositNext dayAvailable via:SWIFT ₹1,484.281 INR = 0.0391 SAR SAR 806.32You pay₹22,100.00 | |||
| Send Money Between PayPal Accounts  PayPal App (P2P Transfer) Pay via Bank transfer | Fee ₹884.00 1 INR = 0.0368 SAR +6.00% vs mid-market | Recipient gets SAR 780.15 Minutes | |
Ways to receive money in Saudi Arabia with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes ₹884.001 INR = 0.0368 SAR SAR 780.15You pay₹22,100.00 | |||
| Send cash via a MoneyGram agent  MoneyGram Agent Pay via Bank transfer | Fee ₹884.00 1 INR = 0.0368 SAR +6.00% vs mid-market | Recipient gets SAR 780.15 Minutes - 3 days | |
Ways to receive money in Saudi Arabia with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days ₹884.001 INR = 0.0368 SAR SAR 780.15You pay₹22,100.00 | |||
| Send cash via a Western Union agent  Western Union Agent Pay via Bank transfer | Fee ₹663.00 1 INR = 0.0364 SAR +7.00% vs mid-market | Recipient gets SAR 779.89 Minutes - 5 days | |
Ways to receive money in Saudi Arabia with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days ₹663.001 INR = 0.0364 SAR SAR 779.89You pay₹22,100.00 | |||
| How Our Results Work Mid-market rate: 1 INR = 0.0391 SAR Updates every 60 minutes. | |||
Transfer details
For a one-off transfer to Saudi Arabia, I suggest picking the cheapest option which is Wise.
On a 22,100 INR transfer, Wise delivers the most SAR.
The best option will change depending on how much you actually send, so I suggest to get the best INR/SAR rate.
You can fund your transfer via bank transfer.
Most people pay with UPI straight from their banking app, and it reaches the money transfer company account in seconds.
For a large amount (10+ lakhs), ask for RTGS instead, it clears quicker than the everyday rails.
You'll need your PAN and a signed Form A2 before the money can leave the country.
Start a first transfer a few days early.
How much INR you send to Saudi Arabia heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.
| Cheapest service | |||||
|---|---|---|---|---|---|
| ₹22,100This page | 0.02% | ₹1,484.28 | SAR 806.32with bank transfer to bank deposit | +SAR 19.69 | |
| ₹1,00,000 | 0.04% | ₹2,780.76 | SAR 3,803.40with bank transfer to bank deposit | SAR 0.00 | |
| ₹6,00,000 | 0.27% | ₹0.00 | SAR 23,411.62with bank transfer to bank deposit | +SAR 192.38 | |
| ₹10,00,000 | 0.27% | ₹0.00 | SAR 39,019.36with bank transfer to bank deposit | +SAR 302.19 |
Mid-market rate: 1 INR = 0.0391 SAR
You have 4 options to send money to Saudi Arabia from India.
Easiest way to send INR
Online services and apps are simple and cheap for INR to Saudi Arabia transfers.
It works well for tuition deposits, living costs, and other ongoing payments to Saudi Arabia.
Wise charges 1484.28 INR in fees to send ₹22,100, which will get your recipient around 806.32 SAR.
Spending and receiving
With Wise you can hold INR and SAR in one account and swap between them when you need.
And you get SAR and INR banking details to receive payments.
Useful if you’re studying in Saudi Arabia, travelling there often, or getting paid in SAR.
Making business payments
Business payments supported by an invoice do not use the owner’s personal LRS allowance.
Wise Business, Instarem Business, and Payoneer can manage freelancer payments, batch payments to Saudi Arabia, invoices, and more.
With Wise, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending ₹22,100 gives your recipient 806.32 SAR.
UPI can fund the INR side when the company supports it, but the outward remittance still leaves India through an RBI-authorised bank.
From India, you can fund your transfer to Saudi Arabia using bank transfer.
Fund the outward remittance through your bank
Fund the transfer by bank transfer from your Indian account.
You will normally need your PAN, Form A2 and documents showing the purpose of the transfer.
In Saudi Arabia, your recipient can receive SAR by bank deposit.
You pay ₹22,100.00
﷼806
Cheapest
Outward transfers from India sit under the Liberalised Remittance Scheme. The purpose decides the documents and how much TCS is collected upfront.
For an INR 22,100 transfer to Saudi Arabia, the current options are:
The cheapest option is Wise, funded by bank transfer with bank deposit for the payout. Your recipient gets 806.32 SAR, which is 3.25% more than the next best option.
The fastest option is PayPal App (P2P Transfer), funded by bank transfer with bank deposit in Saudi Arabia. Your recipient gets 780.15 SAR in minutes.
A resident individual can remit up to USD 250,000 in one financial year under the Liberalised Remittance Scheme for permitted current and capital-account transactions.
The limit is per person and covers your combined LRS use, including gifts, maintenance, study, travel and overseas investment.
It is not a separate allowance for every bank or transfer company.
The authorised money transfer company will normally ask for your PAN, Form A2 and a purpose code.
The RBI LRS direction explains the yearly limit and permitted use.
TCS is collected on qualifying LRS remittances above the annual threshold.
From April 2026, education and medical remittances are generally collected at 2% above ₹10 lakh, while many other purposes carry 20% above the threshold.
Education funded by a qualifying loan does not attract TCS.
TCS is a tax credit rather than an extra transfer fee. You can claim it against your final tax bill, but the money remains unavailable until it is adjusted or refunded.
Add up your LRS payments across banks before sending. The bank or transfer company will need your earlier use to apply the threshold correctly.
UPI can be used to deposit money to a money transfer company, but it can’t send SAR to Saudi Arabia.
Instead, a money transfer company will switch to a local network of bank account or local rails to move INR to SAR.
All outward remittance still passes through an RBI-authorised dealer.
The rate decides how much SAR arrives for your INR. Recent movement gives you a useful range to compare against today's quote.
Mid-market rate:1 INR = 0.039141 SAR
Money only leaves India through an RBI-authorised dealer, so that's the first filter on this table.
We track 4 of them on INR to Saudi Arabia, comparing rates, fees and the ways you can pay in, refreshed in real time on live comparisons.
Each one also goes through our review, and hand-collected pricing is marked as such.
Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.
Advanced filters
Advanced filters
Tailor this money transfer comparison to your needs.
Show companies that support specific transfer features.
Only show providers with user feedback and reviews.
Hide selected providers from the INR/SAR comparison.
Search Now & Save On Your Transfer
Instantly view live exchange rates, fees & features.
Please share your experience with …