Best companies for SAR/HKD transfers
3 of 3 providers Last updated on 28 October 2026
Based on 50,000 SAR transfer Best companies for SAR/HKD transfers Sort Cheapest
Promoted Key Currency Pay via Bank transfer	Fee SAR 0.00 1 SAR = 2.0863 HKD +0.25% vs mid-market	Recipient gets $104,313.16 Minutes - 3 days
4 reviews Personal account managerReceive to bank account
Ways to receive money in Hong Kong with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SAR = 2.0863 HKD $104,313.16You paySAR 50,000.00
Promoted Regency FX Pay via Bank transfer	Fee SAR 0.00 1 SAR = 2.0858 HKD +0.27% vs mid-market	Recipient gets $104,292.25 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Hong Kong with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SAR = 2.0858 HKD $104,292.25You paySAR 50,000.00
Run a live search Showing top Saudi Arabia to Hong Kong deals for 50,000 SAR. 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 SAR to HKD rates.
Run a live search These companies offer multi-currency accounts for spending HKD. We suggest doing a live search based on how much SAR you're planning to spend in Hong Kong.
Run a live search These are managed services with real human support for large SAR transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: Special Rate for 1st Transfer Key Currency Pay via Bank transfer	Fee SAR 0.00 1 SAR = 2.0863 HKD +0.25% vs mid-market	Recipient gets $104,313.16 Minutes - 3 days
4 reviews Cheapest Personal account managerReceive to bank account
Ways to receive money in Hong Kong with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SAR = 2.0863 HKD $104,313.16You paySAR 50,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee SAR 0.00 1 SAR = 2.0858 HKD +0.27% vs mid-market	Recipient gets $104,292.25 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Hong Kong with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SAR = 2.0858 HKD $104,292.25You paySAR 50,000.00
Currencies Direct Pay via Bank transfer	Fee SAR 0.00 1 SAR = 2.0798 HKD +0.56% vs mid-market	Recipient gets $103,990.00 Minutes - 24 hours
3 reviews FastestRecommended Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in Hong Kong with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SAR = 2.0798 HKD $103,990.00You paySAR 50,000.00
How Our Results Work Mid-market rate: 1 SAR = 2.0915 HKD Updates every 60 minutes.

Why compare

SAR/HKD exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Saudi Arabia to Hong Kong

Pick a company

For a one-off SAR transfer to Hong Kong, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 25 of the 30 days it quoted SAR50,000 transfers to Hong Kong.

On a 50,000 SAR transfer, Key Currency delivers the most HKD.

The best option will change depending on how much you actually send, so I suggest to get the best SAR/HKD rate.

Fund your transfer

You have 1 methods to fund your transfer: bank transfer.

Some other transfer services may accept mada-funded payments, but double check when signing up.

Verify and send

When registering with a new company, you will need to verify your account.

You'll need your Iqama to register and to send.

SAR/HKD Exchange Rate History

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

The cheapest way to send SAR to HKD 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 50,000 SAR transfers to Hong Kong.

Each line shows what the recipient gets when you send SAR 50,000, after fees, as quoted by each company. The mid-market line shows what SAR 50,000 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 HKD per SAR 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 2 of the last 30 days.

Right now, Key Currency pays 104,313.16 HKD on 50,000 SAR, which is 261.44 HKD less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 106,429.66 HKD.

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 Hong Kong.

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

Key CurrencyAppeared in 30 comparisons
Cheapest in 83% of them
Regency FXAppeared in 30 comparisons
Never the cheapest
Currencies DirectAppeared in 30 comparisons
Cheapest in 17% 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 HKD, and it was also the cheapest in 83% of the 30 comparisons it appeared in over the past month.

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

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 Hong Kong.

Ways to send money from Saudi Arabia to Hong Kong

3 companies send money from Saudi Arabia to Hong Kong, using broker and multi-currency account and other options.

Very large transfers

Currency brokers

A currency broker can help with timing the exchange rate and paperwork on a large transfer to Hong Kong from Saudi Arabia.

Key Currency charges an exchange-rate markup of around 0.25% with no fees and gives you someone to contact throughout the transfer.

Our analysis shows Key Currency was the cheapest broker in 83% of all the transfers it quoted.

You will need your Iqama, salary certificate and source-of-funds documents beforehand.

Paying suppliers and contractors

Global accounts

Global accounts help Saudi businesses make regular payments to suppliers and contractors in Hong Kong.

VertoFX and Payoneer can manage foreign-currency payments, invoices, batch payments, and more.

Holding multiple currencies

Multi-currency accounts

Currencies Direct lets you hold multiple currencies in one account and swap them when you need.

Converting SAR 50,000 will get you 103,990 HKD with Currencies Direct.

Over the past month, Currencies Direct came out cheapest among multi-currency accounts on 100% of days.

This is useful if you are getting paid from Hong Kong, making recurring payments in HKD, or frequently travelling to Hong Kong.

Another option is a foreign-currency account at your bank or an overseas account.

Ways to fund SAR and receive HKD in Hong Kong

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending SAR 50,000 gives your recipient 104,313.16 HKD.

For payment, choose bank transfer.

The recipient can collect HKD using bank deposit.

1

Bank transfer Bank deposit

You pay SAR50,000.00

HK$104,313

Cheapest

Things to know before sending SAR to Hong Kong

Here are a few things to consider when making money transfers from Saudi Arabia to Hong Kong.

Best options to send SAR to Hong Kong

I would suggest starting with these companies unless you have special needs (like specific funding or receiving options):

Cheapest:

Key Currency, paid by bank transfer with bank deposit in Hong Kong. Your recipient gets 104,313.16 HKD, which is 0.02% more than the next option.

Fastest:

Regency FX, funded by bank transfer with bank deposit for the payout. It delivers 104,292.25 HKD in minutes - 24 hours.

Transfer limits in Saudi Arabia

SAMA's rules for licensed money-transfer centres link an individual customer's limit to documented monthly income.

The rule caps transfers at the monthly salary or SAR 50,000 per month, whichever is lower, with an annual limit of SAR 500,000 where income is proved.

That does not mean every money transfer app will let you send the full amount as they can set their own limits.

SARIE and mada card are deposit methods

SARIE and mada card can be used inside Saudi Arabia only.

A wallet or transfer company may use them to collect your payment, but a licensed cross-border service still handles the transfer internally using local rails or internal network of bank accounts.

Use a SAMA-licensed service

Only use a bank, wallet, exchange business or remittance centre licensed by the Saudi Central Bank.

Do not hand money to an informal dealer because their rate looks better.

Check the recipient details before paying and keep the receipt.

If the company does not resolve a held or failed transfer, raise the complaint through SAMA Cares.

How we analyse the market

We track 3 companies sending SAR to Hong Kong, with rates refreshed in real time on live comparisons.

The riyal is fixed to the dollar, so we compare on what lands in HKD, along with the fee 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 SAR/HKD 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 one 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.

Send money from Saudi Arabia

Send money to Hong Kong

Tue, Sep 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0887	–	$104,435.85
Key Currency Cheapest	2.0835	SAR 0.00	$104,174.76	−$261.09
Regency FX	2.0831	SAR 0.00	$104,153.87	−$281.98
Currencies Direct	2.0787	SAR 0.00	$103,935.00	−$500.85

Wed, Sep 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0892	–	$104,460.00
Key Currency Cheapest	2.0840	SAR 0.00	$104,198.85	−$261.15
Regency FX	2.0836	SAR 0.00	$104,177.96	−$282.04
Currencies Direct	2.0784	SAR 0.00	$103,920.00	−$540.00

Thu, Oct 1, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0754	–	$103,768.35
Currencies Direct Cheapest	2.0787	SAR 0.00	$103,935.00	+$166.65
Key Currency	2.0702	SAR 0.00	$103,508.93	−$259.42
Regency FX	2.0698	SAR 0.00	$103,488.18	−$280.17

Fri, Oct 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0845	–	$104,224.80
Key Currency Cheapest	2.0793	SAR 0.00	$103,964.24	−$260.56
Regency FX	2.0789	SAR 0.00	$103,943.39	−$281.41
Currencies Direct	2.0788	SAR 0.00	$103,940.00	−$284.80

Sat, Oct 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0999	–	$104,994.55
Key Currency Cheapest	2.0946	SAR 0.00	$104,732.06	−$262.49
Regency FX	2.0942	SAR 0.00	$104,711.06	−$283.49
Currencies Direct	2.0788	SAR 0.00	$103,940.00	−$1,054.55

Sun, Oct 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0964	–	$104,819.60
Key Currency Cheapest	2.0912	SAR 0.00	$104,557.55	−$262.05
Regency FX	2.0907	SAR 0.00	$104,536.59	−$283.01
Currencies Direct	2.0775	SAR 0.00	$103,875.00	−$944.60

Mon, Oct 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0946	–	$104,728.10
Key Currency Cheapest	2.0893	SAR 0.00	$104,466.28	−$261.82
Regency FX	2.0889	SAR 0.00	$104,445.33	−$282.77
Currencies Direct	2.0789	SAR 0.00	$103,945.00	−$783.10

Tue, Oct 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0945	–	$104,724.20
Key Currency Cheapest	2.0892	SAR 0.00	$104,462.39	−$261.81
Regency FX	2.0888	SAR 0.00	$104,441.44	−$282.76
Currencies Direct	2.0796	SAR 0.00	$103,980.00	−$744.20

Wed, Oct 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0930	–	$104,650.75
Key Currency Cheapest	2.0878	SAR 0.00	$104,389.12	−$261.63
Regency FX	2.0874	SAR 0.00	$104,368.19	−$282.56
Currencies Direct	2.0793	SAR 0.00	$103,965.00	−$685.75

Thu, Oct 8, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0907	–	$104,536.30
Key Currency Cheapest	2.0855	SAR 0.00	$104,274.96	−$261.34
Regency FX	2.0851	SAR 0.00	$104,254.05	−$282.25
Currencies Direct	2.0794	SAR 0.00	$103,970.00	−$566.30

Fri, Oct 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0888	–	$104,441.80
Key Currency Cheapest	2.0836	SAR 0.00	$104,180.70	−$261.10
Regency FX	2.0832	SAR 0.00	$104,159.81	−$281.99
Currencies Direct	2.0792	SAR 0.00	$103,960.00	−$481.80

Sat, Oct 10, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0919	–	$104,594.45
Key Currency Cheapest	2.0867	SAR 0.00	$104,332.96	−$261.49
Regency FX	2.0862	SAR 0.00	$104,312.04	−$282.41
Currencies Direct	2.0772	SAR 0.00	$103,860.00	−$734.45

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0890	–	$104,449.70
Key Currency Cheapest	2.0838	SAR 0.00	$104,188.58	−$261.12
Regency FX	2.0834	SAR 0.00	$104,167.69	−$282.01
Currencies Direct	2.0785	SAR 0.00	$103,925.00	−$524.70

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0890	–	$104,451.30
Key Currency Cheapest	2.0838	SAR 0.00	$104,190.17	−$261.13
Regency FX	2.0834	SAR 0.00	$104,169.28	−$282.02
Currencies Direct	2.0785	SAR 0.00	$103,925.00	−$526.30

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0898	–	$104,487.65
Key Currency Cheapest	2.0845	SAR 0.00	$104,226.43	−$261.22
Regency FX	2.0841	SAR 0.00	$104,205.53	−$282.12
Currencies Direct	2.0789	SAR 0.00	$103,945.00	−$542.65

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.1339	–	$106,696.40
Key Currency Cheapest	2.1286	SAR 0.00	$106,429.66	−$266.74
Regency FX	2.1282	SAR 0.00	$106,408.32	−$288.08
Currencies Direct	2.0795	SAR 0.00	$103,975.00	−$2,721.40

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0915	–	$104,574.75
Key Currency Cheapest	2.0863	SAR 0.00	$104,313.31	−$261.44
Regency FX	2.0858	SAR 0.00	$104,292.40	−$282.35
Currencies Direct	2.0801	SAR 0.00	$104,005.00	−$569.75

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0765	–	$103,823.60
Currencies Direct Cheapest	2.0802	SAR 0.00	$104,010.00	+$186.40
Key Currency	2.0713	SAR 0.00	$103,564.04	−$259.56
Regency FX	2.0709	SAR 0.00	$103,543.28	−$280.32

Sun, Oct 18, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0913	–	$104,562.90
Key Currency Cheapest	2.0860	SAR 0.00	$104,301.49	−$261.41
Regency FX	2.0856	SAR 0.00	$104,280.58	−$282.32
Currencies Direct	2.0802	SAR 0.00	$104,010.00	−$552.90

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0852	–	$104,259.95
Currencies Direct Cheapest	2.0804	SAR 0.00	$104,020.00	−$239.95
Key Currency	2.0800	SAR 0.00	$103,999.30	−$260.65
Regency FX	2.0796	SAR 0.00	$103,978.45	−$281.50

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0852	–	$104,261.45
Currencies Direct Cheapest	2.0812	SAR 0.00	$104,060.00	−$201.45
Key Currency	2.0800	SAR 0.00	$104,000.80	−$260.65
Regency FX	2.0796	SAR 0.00	$103,979.94	−$281.51

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0921	–	$104,604.95
Key Currency Cheapest	2.0869	SAR 0.00	$104,343.44	−$261.51
Regency FX	2.0865	SAR 0.00	$104,322.52	−$282.43
Currencies Direct	2.0810	SAR 0.00	$104,050.00	−$554.95

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0814	–	$104,070.45
Currencies Direct Cheapest	2.0788	SAR 0.00	$103,940.00	−$130.45
Key Currency	2.0762	SAR 0.00	$103,810.27	−$260.18
Regency FX	2.0758	SAR 0.00	$103,789.46	−$280.99

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0886	–	$104,431.65
Key Currency Cheapest	2.0834	SAR 0.00	$104,170.57	−$261.08
Regency FX	2.0830	SAR 0.00	$104,149.68	−$281.97
Currencies Direct	2.0777	SAR 0.00	$103,885.00	−$546.65

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	2.0895	–	$104,474.15
Key Currency Cheapest	2.0843	SAR 0.00	$104,212.96	−$261.19
Regency FX	2.0838	SAR 0.00	$104,192.07	−$282.08
Currencies Direct	2.0787	SAR 0.00	$103,935.00	−$539.15

How to send money to Hong Kong from Saudi Arabia with the best SAR-HKD rate

Best companies for SAR/HKD transfers