Best companies for SAR/AED transfers
3 of 3 providers Last updated on 10 November 2026
Based on 50,000 SAR transfer Best companies for SAR/AED transfers Sort Cheapest
Promoted Key Currency Pay via Bank transfer	Fee SAR 0.00 1 SAR = 0.9742 AED +0.25% vs mid-market	Recipient gets AED 48,709.02 Minutes - 3 days
4 reviews Personal account managerReceive to bank account
Ways to receive money in United Arab Emirates with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SAR = 0.9742 AED AED 48,709.02You paySAR 50,000.00
Promoted Regency FX Pay via Bank transfer	Fee SAR 0.00 1 SAR = 0.9740 AED +0.27% vs mid-market	Recipient gets AED 48,699.26 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in United Arab Emirates with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SAR = 0.9740 AED AED 48,699.26You paySAR 50,000.00
Run a live search Showing top Saudi Arabia to United Arab Emirates 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 AED rates.
Run a live search These companies offer multi-currency accounts for spending AED. We suggest doing a live search based on how much SAR you're planning to spend in United Arab Emirates.
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 = 0.9742 AED +0.25% vs mid-market	Recipient gets AED 48,709.02 Minutes - 3 days
4 reviews Cheapest Personal account managerReceive to bank account
Ways to receive money in United Arab Emirates with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 SAR = 0.9742 AED AED 48,709.02You paySAR 50,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee SAR 0.00 1 SAR = 0.9740 AED +0.27% vs mid-market	Recipient gets AED 48,699.26 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in United Arab Emirates with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SAR = 0.9740 AED AED 48,699.26You paySAR 50,000.00
Currencies Direct Pay via Bank transfer	Fee SAR 0.00 1 SAR = 0.9701 AED +0.67% vs mid-market	Recipient gets AED 48,505.00 Minutes - 24 hours
3 reviews FastestOur top pick Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in United Arab Emirates with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 SAR = 0.9701 AED AED 48,505.00You paySAR 50,000.00
How Our Results Work Mid-market rate: 1 SAR = 0.9766 AED Updates every 60 minutes.

Why compare

SAR/AED exchange rate

Best ways to pay & receive

Transfer speed

How to send money from Saudi Arabia to UAE

Pick a company

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

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

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

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

How much SAR you send to the UAE 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 Key Currency was the cheapest in 100% of all the transfers it quoted over the past month.

					Cheapest service
SAR 25,000	0.25%	SAR 0.00	AED 24,354.49with bank transfer to bank deposit	+AED 35.63
SAR 50,000This page	0.25%	SAR 0.00	AED 48,709.02with bank transfer to bank deposit	+AED 71.26

Mid-market rate: 1 SAR = 0.9766 AED

SAR/AED Exchange Rate History

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

The cheapest way to send SAR to AED 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 the UAE.

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 AED 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 AED on every transfer from Saudi Arabia.

Right now, Key Currency pays 48,709.02 AED on 50,000 SAR, which is 122.08 AED less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 49,808.62 AED.

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 UAE.

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

Key CurrencyAppeared in 60 comparisons
Cheapest every time
Regency FXAppeared in 60 comparisons
Never the cheapest
Currencies DirectAppeared in 59 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 Key Currency is the cheapest and gets you the most AED, and it was also the cheapest in 100% of the 60 comparisons it appeared in over the past month.

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

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 the UAE.

Ways to send money from Saudi Arabia to UAE

3 companies send money from Saudi Arabia to the United Arab Emirates, using currency 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 the United Arab Emirates 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 100% 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 the United Arab Emirates.

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 48,505 AED 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 the United Arab Emirates, making recurring payments in AED, or frequently travelling to the United Arab Emirates.

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

Ways to fund SAR and receive AED in UAE

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending SAR 50,000 gives your recipient 48,709.02 AED.

For payment, choose bank transfer.

The recipient can collect AED using bank deposit.

1

Bank transfer Bank deposit

You pay SAR50,000.00

AED48,709

Cheapest

Things to know before sending SAR to UAE

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

Best options to send SAR to UAE

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 the United Arab Emirates. Your recipient gets 48,709.02 AED, which is 0.02% more than the next option.

Fastest:

Regency FX, funded by bank transfer with bank deposit for the payout. It delivers 48,699.26 AED 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 the United Arab Emirates, with rates refreshed in real time on live comparisons.

The riyal is fixed to the dollar, so we compare on what lands in AED, 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/AED 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 United Arab Emirates

Mon, Oct 12, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9776	–	AED 48,879.75
Key Currency Cheapest	0.9752	SAR 0.00	AED 48,757.55	−AED 122.20
Regency FX	0.9750	SAR 0.00	AED 48,747.77	−AED 131.98
Currencies Direct	0.9693	SAR 0.00	AED 48,465.00	−AED 414.75

Tue, Oct 13, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9776	–	AED 48,879.75
Key Currency Cheapest	0.9752	SAR 0.00	AED 48,757.55	−AED 122.20
Regency FX	0.9750	SAR 0.00	AED 48,747.77	−AED 131.98
Currencies Direct	0.9692	SAR 0.00	AED 48,460.00	−AED 419.75

Wed, Oct 14, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9779	–	AED 48,895.30
Key Currency Cheapest	0.9755	SAR 0.00	AED 48,773.06	−AED 122.24
Regency FX	0.9753	SAR 0.00	AED 48,763.28	−AED 132.02
Currencies Direct	0.9694	SAR 0.00	AED 48,470.00	−AED 425.30

Thu, Oct 15, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9987	–	AED 49,933.45
Key Currency Cheapest	0.9962	SAR 0.00	AED 49,808.62	−AED 124.83
Regency FX	0.9960	SAR 0.00	AED 49,798.63	−AED 134.82
Currencies Direct	0.9699	SAR 0.00	AED 48,495.00	−AED 1,438.45

Fri, Oct 16, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9788	–	AED 48,938.25
Key Currency Cheapest	0.9763	SAR 0.00	AED 48,815.90	−AED 122.35
Regency FX	0.9761	SAR 0.00	AED 48,806.12	−AED 132.13
Currencies Direct	0.9700	SAR 0.00	AED 48,500.00	−AED 438.25

Sat, Oct 17, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9771	–	AED 48,857.35
Key Currency Cheapest	0.9747	SAR 0.00	AED 48,735.21	−AED 122.14
Regency FX	0.9745	SAR 0.00	AED 48,725.44	−AED 131.91
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 342.35

Sun, Oct 18, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9786	–	AED 48,929.70
Key Currency Cheapest	0.9761	SAR 0.00	AED 48,807.38	−AED 122.32
Regency FX	0.9760	SAR 0.00	AED 48,797.59	−AED 132.11
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 414.70

Mon, Oct 19, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9758	–	AED 48,789.05
Key Currency Cheapest	0.9733	SAR 0.00	AED 48,667.08	−AED 121.97
Regency FX	0.9731	SAR 0.00	AED 48,657.32	−AED 131.73
Currencies Direct	0.9700	SAR 0.00	AED 48,500.00	−AED 289.05

Wed, Oct 21, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9790	–	AED 48,951.20
Key Currency Cheapest	0.9766	SAR 0.00	AED 48,828.82	−AED 122.38
Regency FX	0.9764	SAR 0.00	AED 48,819.03	−AED 132.17
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 436.20

Thu, Oct 22, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9750	–	AED 48,749.40
Key Currency Cheapest	0.9726	SAR 0.00	AED 48,627.53	−AED 121.87
Regency FX	0.9724	SAR 0.00	AED 48,617.78	−AED 131.62
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 234.40

Fri, Oct 23, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9782	–	AED 48,911.80
Key Currency Cheapest	0.9758	SAR 0.00	AED 48,789.52	−AED 122.28
Regency FX	0.9756	SAR 0.00	AED 48,779.74	−AED 132.06
Currencies Direct	0.9698	SAR 0.00	AED 48,490.00	−AED 421.80

Sat, Oct 24, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9785	–	AED 48,924.35
Key Currency Cheapest	0.9760	SAR 0.00	AED 48,802.04	−AED 122.31
Regency FX	0.9758	SAR 0.00	AED 48,792.25	−AED 132.10
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 409.35

Mon, Oct 26, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9807	–	AED 49,034.20
Key Currency Cheapest	0.9782	SAR 0.00	AED 48,911.61	−AED 122.59
Regency FX	0.9780	SAR 0.00	AED 48,901.81	−AED 132.39
Currencies Direct	0.9685	SAR 0.00	AED 48,425.00	−AED 609.20

Tue, Oct 27, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9806	–	AED 49,030.10
Key Currency Cheapest	0.9782	SAR 0.00	AED 48,907.52	−AED 122.58
Regency FX	0.9780	SAR 0.00	AED 48,897.72	−AED 132.38
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 515.10

Wed, Oct 28, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9791	–	AED 48,956.70
Key Currency Cheapest	0.9767	SAR 0.00	AED 48,834.31	−AED 122.39
Regency FX	0.9765	SAR 0.00	AED 48,824.52	−AED 132.18
Currencies Direct	0.9704	SAR 0.00	AED 48,520.00	−AED 436.70

Thu, Oct 29, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9792	–	AED 48,957.90
Key Currency Cheapest	0.9767	SAR 0.00	AED 48,835.51	−AED 122.39
Regency FX	0.9765	SAR 0.00	AED 48,825.71	−AED 132.19
Currencies Direct	0.9700	SAR 0.00	AED 48,500.00	−AED 457.90

Fri, Oct 30, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9783	–	AED 48,913.25
Key Currency Cheapest	0.9758	SAR 0.00	AED 48,790.97	−AED 122.28
Regency FX	0.9756	SAR 0.00	AED 48,781.18	−AED 132.07
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 398.25

Sat, Oct 31, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9782	–	AED 48,909.35
Key Currency Cheapest	0.9757	SAR 0.00	AED 48,787.08	−AED 122.27
Regency FX	0.9755	SAR 0.00	AED 48,777.29	−AED 132.06
Currencies Direct	0.9703	SAR 0.00	AED 48,515.00	−AED 394.35

Mon, Nov 2, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9756	–	AED 48,777.55
Key Currency Cheapest	0.9731	SAR 0.00	AED 48,655.61	−AED 121.94
Regency FX	0.9729	SAR 0.00	AED 48,645.85	−AED 131.70
Currencies Direct	0.9685	SAR 0.00	AED 48,425.00	−AED 352.55

Tue, Nov 3, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9756	–	AED 48,778.85
Key Currency Cheapest	0.9731	SAR 0.00	AED 48,656.90	−AED 121.95
Regency FX	0.9729	SAR 0.00	AED 48,647.15	−AED 131.70
Currencies Direct	0.9702	SAR 0.00	AED 48,510.00	−AED 268.85

Wed, Nov 4, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9760	–	AED 48,798.25
Key Currency Cheapest	0.9735	SAR 0.00	AED 48,676.25	−AED 122.00
Regency FX	0.9733	SAR 0.00	AED 48,666.49	−AED 131.76
Currencies Direct	0.9701	SAR 0.00	AED 48,505.00	−AED 293.25

Thu, Nov 5, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9777	–	AED 48,884.05
Key Currency Cheapest	0.9752	SAR 0.00	AED 48,761.84	−AED 122.21
Regency FX	0.9750	SAR 0.00	AED 48,752.06	−AED 131.99
Currencies Direct	0.9701	SAR 0.00	AED 48,505.00	−AED 379.05

Fri, Nov 6, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9784	–	AED 48,919.00
Key Currency Cheapest	0.9759	SAR 0.00	AED 48,796.70	−AED 122.30
Regency FX	0.9757	SAR 0.00	AED 48,786.92	−AED 132.08
Currencies Direct	0.9701	SAR 0.00	AED 48,505.00	−AED 414.00

Sat, Nov 7, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9783	–	AED 48,912.65
Key Currency Cheapest	0.9758	SAR 0.00	AED 48,790.37	−AED 122.28
Regency FX	0.9756	SAR 0.00	AED 48,780.59	−AED 132.06
Currencies Direct No quote collected this day	–	–	–	–

Mon, Nov 9, 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.9766	–	AED 48,829.70
Key Currency Cheapest	0.9742	SAR 0.00	AED 48,707.63	−AED 122.07
Regency FX	0.9740	SAR 0.00	AED 48,697.86	−AED 131.84
Currencies Direct	0.9683	SAR 0.00	AED 48,415.00	−AED 414.70

How to send money to the UAE from Saudi Arabia with the best SAR-AED rate

Best companies for SAR/AED transfers