MoneyTransfers

How to send money to Saudi Arabia from Kuwait with the best KWD-SAR rate

Of the 3 services we compared from Kuwait, Key Currency is cheapest overall right now, delivering 25,944.79 SAR when you send KWD 2,159 to Saudi Arabia.

If you need money fast, we suggest using Regency FX, it will get you 25,939.58 SAR in minutes - 24 hours.

Best companies for KWD/SAR transfers

3 of 3 providers

Last updated on 28 October 2026

Based on 2,159 KWD transfer

Best companies for KWD/SAR transfers

Sort Cheapest
Promoted

Xe

Pay via Bank transfer
Fee KWD 0.00 1 KWD = 11.8586 SAR +1.58% vs mid-market Recipient gets SAR 25,602.72 Minutes - 24 hours
4 reviews
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Saudi Arabia with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 KWD = 11.8586 SAR
SAR 25,602.72You payKWD 2,159.00
Promoted

Key Currency

Pay via Bank transfer
Fee KWD 0.00 1 KWD = 12.0170 SAR +0.25% vs mid-market Recipient gets SAR 25,944.79 Minutes - 3 days
4 reviews
Personal account managerReceive to bank account

Ways to receive money in Saudi Arabia with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 KWD = 12.0170 SAR
SAR 25,944.79You payKWD 2,159.00

Run a live search

Showing top Kuwait to Saudi Arabia deals for 2,159 KWD. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee KWD 0.00 1 KWD = 12.0170 SAR +0.25% vs mid-market Recipient gets SAR 25,944.79 Minutes - 3 days
4 reviews
CheapestRecommended
Personal account managerReceive to bank account

Ways to receive money in Saudi Arabia with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 KWD = 12.0170 SAR
SAR 25,944.79You payKWD 2,159.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee KWD 0.00 1 KWD = 12.0146 SAR +0.27% vs mid-market Recipient gets SAR 25,939.58 Minutes - 24 hours
9 reviews
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Saudi Arabia with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 KWD = 12.0146 SAR
SAR 25,939.58You payKWD 2,159.00

Xe

Pay via Bank transfer
Fee KWD 0.00 1 KWD = 11.8586 SAR +1.58% vs mid-market Recipient gets SAR 25,602.72 Minutes - 24 hours
4 reviews
Fastest
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Saudi Arabia with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 KWD = 11.8586 SAR
SAR 25,602.72You payKWD 2,159.00
How Our Results Work
Mid-market rate: 1 KWD = 12.0472 SAR Updates every 60 minutes.

How to send money from Kuwait to Saudi Arabia

Pick a company

For a one-off transfer from Kuwait, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 29 of the 30 days it quoted KWD2,159 transfers to Saudi Arabia.

On a 2,159 KWD transfer, Key Currency delivers the most SAR.

This will change depending on how much you actually send, so I suggest running a live search to get the best KWD/SAR rate.

Fund your transfer

You have 1 ways to deposit money, including bank transfer.

Cash still works, with a daily limit on how much.

Verify and send

You'll need your Civil ID to register and to send money to Saudi Arabia.

Anything above KD 3,000 will likely need two months of bank statements, so have them ready rather than starting from scratch.

KWD/SAR Exchange Rate History

Is today a good time to send money from Kuwait to Saudi Arabia?

The cheapest way to send KWD to SAR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Key Currency), across 30 days of comparisons for 2,159 KWD transfers to Saudi Arabia.

SAR received for KWD 2,159, after fees

Wed, Oct 28, 2026Mid-market rateSAR 26,009.81 Key Currency SAR 25,944.79Key CurrencySAR 25,944.79Regency FXSAR 25,939.58XeSAR 25,602.72

25,000
25,500
26,000
26,500
27,000
At the mid-market rateWith the cheapest optionKey CurrencyRegency FXXe
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1645 – SAR 26,263.19
Key Currency Cheapest 12.1341 KWD 0.00 SAR 26,197.53 −SAR 65.66
Regency FX 12.1317 KWD 0.00 SAR 26,192.28 −SAR 70.91
Xe 11.9375 KWD 0.00 SAR 25,773.06 −SAR 490.13
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1620 – SAR 26,257.84
Key Currency Cheapest 12.1316 KWD 0.00 SAR 26,192.20 −SAR 65.64
Regency FX 12.1292 KWD 0.00 SAR 26,186.95 −SAR 70.89
Xe 11.9394 KWD 0.00 SAR 25,777.16 −SAR 480.68
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.2438 – SAR 26,434.26
Key Currency Cheapest 12.2131 KWD 0.00 SAR 26,368.18 −SAR 66.08
Regency FX 12.2107 KWD 0.00 SAR 26,362.89 −SAR 71.37
Xe 11.9391 KWD 0.00 SAR 25,776.52 −SAR 657.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1886 – SAR 26,315.11
Key Currency Cheapest 12.1581 KWD 0.00 SAR 26,249.33 −SAR 65.78
Regency FX 12.1557 KWD 0.00 SAR 26,244.06 −SAR 71.05
Xe 11.9349 KWD 0.00 SAR 25,767.45 −SAR 547.66
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1007 – SAR 26,125.48
Key Currency Cheapest 12.0705 KWD 0.00 SAR 26,060.17 −SAR 65.31
Regency FX 12.0681 KWD 0.00 SAR 26,054.95 −SAR 70.53
Xe 11.8521 KWD 0.00 SAR 25,588.68 −SAR 536.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1209 – SAR 26,168.93
Key Currency Cheapest 12.0906 KWD 0.00 SAR 26,103.51 −SAR 65.42
Regency FX 12.0881 KWD 0.00 SAR 26,098.28 −SAR 70.65
Xe 11.8524 KWD 0.00 SAR 25,589.33 −SAR 579.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1156 – SAR 26,157.60
Key Currency Cheapest 12.0853 KWD 0.00 SAR 26,092.20 −SAR 65.40
Regency FX 12.0829 KWD 0.00 SAR 26,086.97 −SAR 70.63
Xe 11.9381 KWD 0.00 SAR 25,774.36 −SAR 383.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1125 – SAR 26,150.94
Key Currency Cheapest 12.0822 KWD 0.00 SAR 26,085.56 −SAR 65.38
Regency FX 12.0798 KWD 0.00 SAR 26,080.33 −SAR 70.61
Xe 11.9359 KWD 0.00 SAR 25,769.61 −SAR 381.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0810 – SAR 26,082.89
Key Currency Cheapest 12.0508 KWD 0.00 SAR 26,017.68 −SAR 65.21
Regency FX 12.0484 KWD 0.00 SAR 26,012.47 −SAR 70.42
Xe 11.9378 KWD 0.00 SAR 25,773.71 −SAR 309.18
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0836 – SAR 26,088.41
Key Currency Cheapest 12.0534 KWD 0.00 SAR 26,023.19 −SAR 65.22
Regency FX 12.0509 KWD 0.00 SAR 26,017.97 −SAR 70.44
Xe 11.8318 KWD 0.00 SAR 25,544.86 −SAR 543.55
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0872 – SAR 26,096.37
Key Currency Cheapest 12.0570 KWD 0.00 SAR 26,031.13 −SAR 65.24
Regency FX 12.0546 KWD 0.00 SAR 26,025.91 −SAR 70.46
Xe 11.8277 KWD 0.00 SAR 25,536.00 −SAR 560.37
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0654 – SAR 26,049.28
Key Currency Cheapest 12.0353 KWD 0.00 SAR 25,984.16 −SAR 65.12
Regency FX 12.0329 KWD 0.00 SAR 25,978.95 −SAR 70.33
Xe 11.6956 KWD 0.00 SAR 25,250.80 −SAR 798.48
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0654 – SAR 26,049.28
Key Currency Cheapest 12.0353 KWD 0.00 SAR 25,984.16 −SAR 65.12
Regency FX 12.0329 KWD 0.00 SAR 25,978.95 −SAR 70.33
Xe 11.6979 KWD 0.00 SAR 25,255.77 −SAR 793.51
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0708 – SAR 26,060.83
Key Currency Cheapest 12.0406 KWD 0.00 SAR 25,995.68 −SAR 65.15
Regency FX 12.0382 KWD 0.00 SAR 25,990.46 −SAR 70.37
Xe 11.8360 KWD 0.00 SAR 25,553.92 −SAR 506.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0634 – SAR 26,044.98
Key Currency Cheapest 12.0333 KWD 0.00 SAR 25,979.86 −SAR 65.12
Regency FX 12.0309 KWD 0.00 SAR 25,974.65 −SAR 70.33
Xe 11.8352 KWD 0.00 SAR 25,552.20 −SAR 492.78
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0499 – SAR 26,015.74
Key Currency Cheapest 12.0198 KWD 0.00 SAR 25,950.70 −SAR 65.04
Regency FX 12.0174 KWD 0.00 SAR 25,945.50 −SAR 70.24
Xe 11.8323 KWD 0.00 SAR 25,545.94 −SAR 469.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 11.8138 – SAR 25,505.96
Xe Cheapest 11.8300 KWD 0.00 SAR 25,540.97 +SAR 35.01
Key Currency 11.7842 KWD 0.00 SAR 25,442.19 −SAR 63.77
Regency FX 11.7819 KWD 0.00 SAR 25,437.09 −SAR 68.87
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0734 – SAR 26,066.51
Key Currency Cheapest 12.0432 KWD 0.00 SAR 26,001.34 −SAR 65.17
Regency FX 12.0408 KWD 0.00 SAR 25,996.13 −SAR 70.38
Xe 11.8248 KWD 0.00 SAR 25,529.74 −SAR 536.77
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0740 – SAR 26,067.71
Key Currency Cheapest 12.0438 KWD 0.00 SAR 26,002.54 −SAR 65.17
Regency FX 12.0414 KWD 0.00 SAR 25,997.32 −SAR 70.39
Xe 11.6741 KWD 0.00 SAR 25,204.38 −SAR 863.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0740 – SAR 26,067.71
Key Currency Cheapest 12.0438 KWD 0.00 SAR 26,002.54 −SAR 65.17
Regency FX 12.0414 KWD 0.00 SAR 25,997.32 −SAR 70.39
Xe 11.6761 KWD 0.00 SAR 25,208.70 −SAR 859.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1119 – SAR 26,149.59
Key Currency Cheapest 12.0816 KWD 0.00 SAR 26,084.22 −SAR 65.37
Regency FX 12.0792 KWD 0.00 SAR 26,078.99 −SAR 70.60
Xe 11.8267 KWD 0.00 SAR 25,533.85 −SAR 615.74
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1256 – SAR 26,179.09
Key Currency Cheapest 12.0952 KWD 0.00 SAR 26,113.64 −SAR 65.45
Regency FX 12.0928 KWD 0.00 SAR 26,108.40 −SAR 70.69
Xe 11.8202 KWD 0.00 SAR 25,519.81 −SAR 659.28
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1100 – SAR 26,145.43
Key Currency Cheapest 12.0797 KWD 0.00 SAR 26,080.07 −SAR 65.36
Regency FX 12.0773 KWD 0.00 SAR 26,074.84 −SAR 70.59
Xe 11.8206 KWD 0.00 SAR 25,520.68 −SAR 624.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.1511 – SAR 26,234.21
Key Currency Cheapest 12.1207 KWD 0.00 SAR 26,168.63 −SAR 65.58
Regency FX 12.1183 KWD 0.00 SAR 26,163.38 −SAR 70.83
Xe 11.8195 KWD 0.00 SAR 25,518.30 −SAR 715.91
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0838 – SAR 26,089.01
Key Currency Cheapest 12.0536 KWD 0.00 SAR 26,023.79 −SAR 65.22
Regency FX 12.0512 KWD 0.00 SAR 26,018.57 −SAR 70.44
Xe 11.8473 KWD 0.00 SAR 25,578.32 −SAR 510.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0804 – SAR 26,081.48
Key Currency Cheapest 12.0502 KWD 0.00 SAR 26,016.28 −SAR 65.20
Regency FX 12.0477 KWD 0.00 SAR 26,011.06 −SAR 70.42
Xe 11.6960 KWD 0.00 SAR 25,251.66 −SAR 829.82
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0804 – SAR 26,081.48
Key Currency Cheapest 12.0502 KWD 0.00 SAR 26,016.28 −SAR 65.20
Regency FX 12.0477 KWD 0.00 SAR 26,011.06 −SAR 70.42
Xe 11.7068 KWD 0.00 SAR 25,274.98 −SAR 806.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0530 – SAR 26,022.50
Key Currency Cheapest 12.0229 KWD 0.00 SAR 25,957.44 −SAR 65.06
Regency FX 12.0205 KWD 0.00 SAR 25,952.24 −SAR 70.26
Xe 11.8604 KWD 0.00 SAR 25,606.60 −SAR 415.90
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0520 – SAR 26,020.20
Key Currency Cheapest 12.0218 KWD 0.00 SAR 25,955.15 −SAR 65.05
Regency FX 12.0194 KWD 0.00 SAR 25,949.94 −SAR 70.26
Xe 11.8567 KWD 0.00 SAR 25,598.62 −SAR 421.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 12.0472 – SAR 26,009.81
Key Currency Cheapest 12.0170 KWD 0.00 SAR 25,944.79 −SAR 65.02
Regency FX 12.0146 KWD 0.00 SAR 25,939.58 −SAR 70.23
Xe 11.8586 KWD 0.00 SAR 25,602.72 −SAR 407.09

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send KWD 2,159, after fees, as quoted by each company. The mid-market line shows what KWD 2,159 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more SAR per KWD than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

In the past month, a money transfer company beat the mid-market rate on 1 of the last 30 days.

Right now, Key Currency pays 25,944.79 SAR on 2,159 KWD, which is 65.02 SAR less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 26,368.18 SAR.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Saudi Arabia.

We've tracked 30 comparisons to check how often today's top companies were the cheapest across 1 amounts over the past month.

  1. Key CurrencyAppeared in 30 comparisons

    Cheapest in 97% of them

  2. Regency FXAppeared in 30 comparisons

    Never the cheapest

  3. XeAppeared in 30 comparisons

    Cheapest in 3% of them

Based on 30 comparisons across 1 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Key Currency is the cheapest and gets you the most SAR, and it was also the cheapest in 97% of the 30 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Saudi Arabia.

Regency FX (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to Saudi Arabia.

Ways to send money from Kuwait to Saudi Arabia

3 companies send money from Kuwait to Saudi Arabia, mostly through broker, online, and app, and more below.

For sending KWD online

Apps & online transfers

There aren’t many options to send KWD online.

One of the best and cheapest options is Xe.

Sending KWD2,159 gets you 25,602.72 SAR with a 0 fee and 1.58% markup, usually in minutes - 24 hours.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

Large transfers from Kuwait

Currency brokers

For large transfers from Kuwait like buying property in Saudi Arabia or moving your savings out, a broker like Key Currency charges no fee and works on a margin (around 0.25% on KWD/SAR).

Our analysis shows Key Currency was the cheapest broker in 97% of all the transfers it quoted.

You will need your Civil ID, salary certificate, and bank statements ready.

Anything above KD 3,000 gets asked for them now, and having it ready makes the process faster.

For business accounts

Global accounts

If you’re paying employees, freelancers, or contractors in Saudi Arabia, global accounts are a much better option than money transfer services.

Companies like Xe Business, Payoneer, or Veem offer features and tools better suited to businesses in Kuwait.

Ways to fund KWD and receive SAR in Saudi Arabia

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending KWD 2,159 gives your recipient 25,944.79 SAR.

To fund your transfer, use bank transfer.

To receive SAR, the options are bank deposit.

  1. 1
    Bank transfer Bank deposit

    You pay KWD2,159.00

    SAR25,945

    Cheapest

Consider this before sending KWD to Saudi Arabia

Exchange companies are the main route out of Kuwait, and the best deal usually comes down to the KWD/SAR rate rather than the visible fee.

Compare Kuwait to Saudi Arabia transfer options

Cheapest way to send money to Saudi Arabia

The cheapest option for a KWD 2,159 transfer is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 25,944.79 SAR, which is 0.02% more than the next best option.

Fastest way to send money to Saudi Arabia

The fastest option is Regency FX. Pay by bank transfer and choose bank deposit in Saudi Arabia. Your recipient gets 25,939.58 SAR in minutes - 24 hours.

Staying safe when sending KWD

Kuwait's exchange companies are supervised by the Central Bank of Kuwait.

A valid Civil ID is normally needed to register and send.

The company may also ask for the purpose of the transfer and source of funds, particularly when the amount is large or unusual for your account.

Keep the receipt and transfer reference until the SAR has arrived.

If an exchange company does not resolve a problem, you can submit a complaint directly through the CBK Customer Protection portal.

When in doubt, check the company in the CBK list of exchange companies.

KNET and WAMD do not send money abroad

KNET is Kuwait's domestic debit network, while WAMD moves money between participating Kuwaiti accounts using a mobile number.

Either may help you pay for the transfer to Saudi Arabia depending on the company, but they can't send KWD directly to Saudi Arabia.

Sort out a large transfer before leaving Kuwait

Moving savings or an end-of-service payment is easier while your Civil ID, Kuwait mobile number and bank access are still active.

Ask the bank or exchange company what documents it needs before the final payment reaches your account.

A salary certificate, bank statements or the end-of-service calculation may be requested.

How we analyse the market

We track 3 companies licensed by the Central Bank of Kuwait sending KWD to Saudi Arabia.

The Kuwaiti dinar is pegged to a basket of currencies, so the KWD/SAR rate still moves with the US dollar. Our rates refresh in real time on live searches, alongside fees and the ways to pay and collect.

In the past 30 days alone, we analysed 30 comparisons across 1 amounts.

This page covers the cheapest and fastest options for KWD/SAR transfers. This is how we pick them:

  • Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.

  • Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Each goes through our review first.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

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