Best companies for SAR/PHP transfers
3 of 3 providers Last updated on 10 November 2026
Based on 1,000 SAR transfer Best companies for SAR/PHP transfers Sort Cheapest
Run a live search Showing top Saudi Arabia to Philippines deals for 1,000 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 PHP rates.
Run a live search These companies offer multi-currency accounts for spending PHP. We suggest doing a live search based on how much SAR you're planning to spend in Philippines.
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.
Send Money Between PayPal Accounts PayPal App (P2P Transfer) Pay via Bank transfer	Fee SAR 40.00 1 SAR = 15.7510 PHP +6.00% vs mid-market	Recipient gets ₱15,120.96 Minutes
0 reviews Fastest
Ways to receive money in Philippines with PayPal App (P2P Transfer) when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes SAR 40.001 SAR = 15.7510 PHP ₱15,120.96You paySAR 1,000.00
Send cash via a MoneyGram agent MoneyGram Agent Pay via Bank transfer	Fee SAR 40.00 1 SAR = 15.7510 PHP +6.00% vs mid-market	Recipient gets ₱15,120.96 Minutes - 3 days
0 reviews Cheapest
Ways to receive money in Philippines with MoneyGram Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days SAR 40.001 SAR = 15.7510 PHP ₱15,120.96You paySAR 1,000.00
Send cash via a Western Union agent Western Union Agent Pay via Bank transfer	Fee SAR 30.00 1 SAR = 15.5834 PHP +7.00% vs mid-market	Recipient gets ₱15,115.94 Minutes - 5 days
0 reviews Our top pick
Ways to receive money in Philippines with Western Union Agent when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 5 days SAR 30.001 SAR = 15.5834 PHP ₱15,115.94You paySAR 1,000.00
How Our Results Work Mid-market rate: 1 SAR = 16.7564 PHP Updates every 60 minutes.

Why compare

SAR/PHP exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Saudi Arabia to Philippines

Pick a company

For a one-off SAR transfer to the Philippines, I suggest picking the cheapest option which is PayPal App (P2P Transfer).

PayPal App (P2P Transfer) was the cheapest on 30 of the 30 days it quoted SAR1,000 transfers to the Philippines.

On a 1,000 SAR transfer, PayPal App (P2P Transfer) delivers the most PHP.

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

Compare amounts

How much SAR are you sending to Philippines?

How much SAR you send to the Philippines 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.

Our analysis shows PayPal App (P2P Transfer) was the cheapest in 100% of all the transfers it quoted over the past month.

					Cheapest service
SAR 1,000This page	6.00%	SAR 40.00	₱15,120.96with bank transfer to bank deposit	+₱1.67
SAR 50,000	0.27%	SAR 0.00	₱834,761.99with bank transfer to bank deposit	₱0.00

Mid-market rate: 1 SAR = 16.7564 PHP

SAR/PHP Exchange Rate History

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

The cheapest way to send SAR to PHP 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 PayPal App (P2P Transfer)), across 30 days of comparisons for 1,000 SAR transfers to the Philippines.

Each line shows what the recipient gets when you send SAR 1,000, after fees, as quoted by each company. The mid-market line shows what SAR 1,000 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 PHP per SAR than the mid-market rate can offer.

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

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of PHP on every transfer from Saudi Arabia.

Right now, PayPal App (P2P Transfer) pays 15,120.96 PHP on 1,000 SAR, which is 1,635.43 PHP less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 15,479.89 PHP.

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 the Philippines.

We've tracked 60 comparisons to check how often today's top companies were the cheapest across 2 amounts over the past month.

PayPal App (P2P Transfer)Appeared in 30 comparisons
Cheapest every time
MoneyGram AgentAppeared in 30 comparisons
Never the cheapest
Western Union AgentAppeared in 30 comparisons
Never the cheapest

Based on 60 comparisons across 2 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 PayPal App (P2P Transfer) is the cheapest and gets you the most PHP, and it was also the cheapest in 100% of the 30 comparisons it appeared in over the past month.

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

MoneyGram Agent (today's second cheapest) was the cheapest in only 0% of its comparisons, so it's rarely the cheapest option for transfers to the Philippines.

Ways to send money from Saudi Arabia to Philippines

3 companies send money from Saudi Arabia to the Philippines, using in person 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 the Philippines from Saudi Arabia.

I suggest getting a few quotes from currency brokers like Regency FX and Currencies Direct.

Then compare it to your bank and go with whoever gets you the most PHP.

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 the Philippines.

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

Ways to fund SAR and receive PHP in Philippines

With PayPal App (P2P Transfer), paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending SAR 1,000 gives your recipient 15,120.96 PHP.

For payment, choose bank transfer.

The recipient can collect PHP using bank deposit.

1

Bank transfer Bank deposit

You pay SAR1,000.00

₱15,121

Cheapest

Things to know before sending SAR to Philippines

Here are a few things to consider when making money transfers from Saudi Arabia to the Philippines.

Best options to send SAR to Philippines

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

Cheapest:

PayPal App (P2P Transfer), paid by bank transfer with bank deposit in the Philippines. Your recipient gets 15,120.96 PHP, which is 0% more than the next option.

Fastest:

PayPal App (P2P Transfer), funded by bank transfer with bank deposit for the payout. It delivers 15,120.96 PHP in minutes.

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 the Philippines, with rates refreshed in real time on live comparisons.

The riyal is fixed to the dollar, so we compare on what lands in PHP, along with the fee and the ways to pay and collect.

In the past 30 days alone, we analysed 60 comparisons across 2 amounts.

This page covers the cheapest and fastest options for SAR/PHP 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 Philippines

Send money from United States to Philippines Send money from India to Philippines Send money from United Kingdom to Philippines Send money from Germany to Philippines Send money from Turkey to Philippines Send money from Canada to Philippines Send money from Indonesia to Philippines Send money from Australia to Philippines Send money from China to Philippines Send money from Mexico to Philippines Send money from United Arab Emirates to Philippines

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7193	–	₱16,719.34
PayPal App (P2P Transfer) Cheapest	15.7162	SAR 40.00	₱15,087.53	−₱1,631.80
MoneyGram Agent	15.7162	SAR 40.00	₱15,087.53	−₱1,631.80
Western Union Agent	15.5490	SAR 30.00	₱15,082.51	−₱1,636.82

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7181	–	₱16,718.13
PayPal App (P2P Transfer) Cheapest	15.7150	SAR 40.00	₱15,086.44	−₱1,631.69
MoneyGram Agent	15.7150	SAR 40.00	₱15,086.44	−₱1,631.69
Western Union Agent	15.5479	SAR 30.00	₱15,081.43	−₱1,636.70

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7199	–	₱16,719.89
PayPal App (P2P Transfer) Cheapest	15.7167	SAR 40.00	₱15,088.02	−₱1,631.87
MoneyGram Agent	15.7167	SAR 40.00	₱15,088.02	−₱1,631.87
Western Union Agent	15.5495	SAR 30.00	₱15,083.01	−₱1,636.88

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	17.1541	–	₱17,154.13
PayPal App (P2P Transfer) Cheapest	16.1249	SAR 40.00	₱15,479.89	−₱1,674.24
MoneyGram Agent	16.1249	SAR 40.00	₱15,479.89	−₱1,674.24
Western Union Agent	15.9533	SAR 30.00	₱15,474.74	−₱1,679.39

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7926	–	₱16,792.64
PayPal App (P2P Transfer) Cheapest	15.7851	SAR 40.00	₱15,153.68	−₱1,638.96
MoneyGram Agent	15.7851	SAR 40.00	₱15,153.68	−₱1,638.96
Western Union Agent	15.6172	SAR 30.00	₱15,148.64	−₱1,644.00

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7832	–	₱16,783.17
PayPal App (P2P Transfer) Cheapest	15.7762	SAR 40.00	₱15,145.14	−₱1,638.03
MoneyGram Agent	15.7762	SAR 40.00	₱15,145.14	−₱1,638.03
Western Union Agent	15.6084	SAR 30.00	₱15,140.10	−₱1,643.07

Sun, Oct 18, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7836	–	₱16,783.58
PayPal App (P2P Transfer) Cheapest	15.7766	SAR 40.00	₱15,145.50	−₱1,638.08
MoneyGram Agent	15.7766	SAR 40.00	₱15,145.50	−₱1,638.08
Western Union Agent	15.6087	SAR 30.00	₱15,140.47	−₱1,643.11

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7633	–	₱16,763.29
PayPal App (P2P Transfer) Cheapest	15.7575	SAR 40.00	₱15,127.19	−₱1,636.10
MoneyGram Agent	15.7575	SAR 40.00	₱15,127.19	−₱1,636.10
Western Union Agent	15.5899	SAR 30.00	₱15,122.16	−₱1,641.13

Tue, Oct 20, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7658	–	₱16,765.77
PayPal App (P2P Transfer) Cheapest	15.7598	SAR 40.00	₱15,129.43	−₱1,636.34
MoneyGram Agent	15.7598	SAR 40.00	₱15,129.43	−₱1,636.34
Western Union Agent	15.5922	SAR 30.00	₱15,124.40	−₱1,641.37

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8839	–	₱16,883.86
PayPal App (P2P Transfer) Cheapest	15.8708	SAR 40.00	₱15,236.00	−₱1,647.86
MoneyGram Agent	15.8708	SAR 40.00	₱15,236.00	−₱1,647.86
Western Union Agent	15.7020	SAR 30.00	₱15,230.93	−₱1,652.93

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8542	–	₱16,854.19
PayPal App (P2P Transfer) Cheapest	15.8429	SAR 40.00	₱15,209.22	−₱1,644.97
MoneyGram Agent	15.8429	SAR 40.00	₱15,209.22	−₱1,644.97
Western Union Agent	15.6744	SAR 30.00	₱15,204.17	−₱1,650.02

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8963	–	₱16,896.26
PayPal App (P2P Transfer) Cheapest	15.8825	SAR 40.00	₱15,247.19	−₱1,649.07
MoneyGram Agent	15.8825	SAR 40.00	₱15,247.19	−₱1,649.07
Western Union Agent	15.7135	SAR 30.00	₱15,242.12	−₱1,654.14

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.9501	–	₱16,950.12
PayPal App (P2P Transfer) Cheapest	15.9331	SAR 40.00	₱15,295.79	−₱1,654.33
MoneyGram Agent	15.9331	SAR 40.00	₱15,295.79	−₱1,654.33
Western Union Agent	15.7636	SAR 30.00	₱15,290.71	−₱1,659.41

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	17.0636	–	₱17,063.63
PayPal App (P2P Transfer) Cheapest	16.0398	SAR 40.00	₱15,398.22	−₱1,665.41
MoneyGram Agent	16.0398	SAR 40.00	₱15,398.22	−₱1,665.41
Western Union Agent	15.8692	SAR 30.00	₱15,393.10	−₱1,670.52

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	17.0953	–	₱17,095.31
PayPal App (P2P Transfer) Cheapest	16.0696	SAR 40.00	₱15,426.81	−₱1,668.50
MoneyGram Agent	16.0696	SAR 40.00	₱15,426.81	−₱1,668.50
Western Union Agent	15.8986	SAR 30.00	₱15,421.68	−₱1,673.63

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	17.0768	–	₱17,076.78
PayPal App (P2P Transfer) Cheapest	16.0522	SAR 40.00	₱15,410.09	−₱1,666.69
MoneyGram Agent	16.0522	SAR 40.00	₱15,410.09	−₱1,666.69
Western Union Agent	15.8814	SAR 30.00	₱15,404.96	−₱1,671.82

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	17.0223	–	₱17,022.32
PayPal App (P2P Transfer) Cheapest	16.0010	SAR 40.00	₱15,360.94	−₱1,661.38
MoneyGram Agent	16.0010	SAR 40.00	₱15,360.94	−₱1,661.38
Western Union Agent	15.8308	SAR 30.00	₱15,355.83	−₱1,666.49

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.9706	–	₱16,970.64
PayPal App (P2P Transfer) Cheapest	15.9524	SAR 40.00	₱15,314.31	−₱1,656.33
MoneyGram Agent	15.9524	SAR 40.00	₱15,314.31	−₱1,656.33
Western Union Agent	15.7827	SAR 30.00	₱15,309.22	−₱1,661.42

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.9839	–	₱16,983.94
PayPal App (P2P Transfer) Cheapest	15.9649	SAR 40.00	₱15,326.31	−₱1,657.63
MoneyGram Agent	15.9649	SAR 40.00	₱15,326.31	−₱1,657.63
Western Union Agent	15.7951	SAR 30.00	₱15,321.21	−₱1,662.73

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8950	–	₱16,895.03
PayPal App (P2P Transfer) Cheapest	15.8813	SAR 40.00	₱15,246.07	−₱1,648.96
MoneyGram Agent	15.8813	SAR 40.00	₱15,246.07	−₱1,648.96
Western Union Agent	15.7124	SAR 30.00	₱15,241.00	−₱1,654.03

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8616	–	₱16,861.61
PayPal App (P2P Transfer) Cheapest	15.8499	SAR 40.00	₱15,215.92	−₱1,645.69
MoneyGram Agent	15.8499	SAR 40.00	₱15,215.92	−₱1,645.69
Western Union Agent	15.6813	SAR 30.00	₱15,210.86	−₱1,650.75

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8646	–	₱16,864.61
PayPal App (P2P Transfer) Cheapest	15.8527	SAR 40.00	₱15,218.62	−₱1,645.99
MoneyGram Agent	15.8527	SAR 40.00	₱15,218.62	−₱1,645.99
Western Union Agent	15.6841	SAR 30.00	₱15,213.56	−₱1,651.05

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8037	–	₱16,803.73
PayPal App (P2P Transfer) Cheapest	15.7955	SAR 40.00	₱15,163.68	−₱1,640.05
MoneyGram Agent	15.7955	SAR 40.00	₱15,163.68	−₱1,640.05
Western Union Agent	15.6275	SAR 30.00	₱15,158.64	−₱1,645.09

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.7975	–	₱16,797.50
PayPal App (P2P Transfer) Cheapest	15.7897	SAR 40.00	₱15,158.07	−₱1,639.43
MoneyGram Agent	15.7897	SAR 40.00	₱15,158.07	−₱1,639.43
Western Union Agent	15.6217	SAR 30.00	₱15,153.03	−₱1,644.47

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	16.8078	–	₱16,807.77
PayPal App (P2P Transfer) Cheapest	15.7993	SAR 40.00	₱15,167.33	−₱1,640.44
MoneyGram Agent	15.7993	SAR 40.00	₱15,167.33	−₱1,640.44
Western Union Agent	15.6312	SAR 30.00	₱15,162.29	−₱1,645.48

How to send money to the Philippines from Saudi Arabia with the best SAR-PHP rate

Best companies for SAR/PHP transfers