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

Compare the best ways to send money from Saudi Arabia to the Philippines. Find the cheapest, fastest, and most reliable providers with the best SAR to PHP exchange rates.

Explore the best deals, read expert information, and discover all you need to send money to Philippines from Saudi Arabia.

Transferring the other way? Send PHP from Philippines to Saudi Arabia instead.
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November 26th, 2025

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Best money transfer companies

Send money from Saudi Arabia to Philippines

Last updated: Today
Mid-market rate as of 11/26/2025: 1 SAR = 15.682073 PHP
Results below are based on a 1000 SAR search
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0 of 3 providers
Send cash via a Western Union agent
1
Western Union Agent
Recipient gets (PHP)
₱14,853.28
Full transfer details

"Western Union agents help you send money from a wide variety of countries. Find a local branch near you to deposit cash and send your funds abroad."

7.7
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send cash via a MoneyGram agent
2
MoneyGram Agent
Recipient gets (PHP)
₱14,853.28
Full transfer details

"With MoneyGram you can send money globally. Find a local MoneyGram branch near you to deposit and send cash abroad."

7.5
Personal account manager
Multi-currency card
Receive to bank account or debit card
Cash pickup
Send Money Between PayPal Accounts
3
PayPal App
Recipient gets (PHP)
₱14,682.18
Full transfer details

"If you and the person you are sending money to both have PayPal apps, you can quickly and easily send money between each other."

5.4
Personal account manager
Multi-currency card
Receive to bank account or debit card
P2P transfer
Mid-market rate updates every 60 minutes

Alternative for Saudi Arabia to Philippines

While you can’t send SAR to PHP with Wise, you can transfer USD to USD.

"Over 16 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Transfer Speed
Minutes - 24 hours
Exchange Rate Markup
0%
Fees
0.1% - 2.6%
How effectively does your finance team manage international cash flow?

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Why not take our free FX health check test to see how effective your business is in managing these. It only takes a couple of minutes.

The best way to send SAR to Philippines is through a cash transfer with Western Union.

Western Union offers broad coverage across Saudi Arabia and Philippines, making it a reliable option.

Transfer fees vary depending on the branch and the amount you send, but you can generally expect to pay around 3 SAR per 1,000 SAR transferred.

Before sending, check which deposit options are available in your area. In many cases, you can fund your transfer online in SAR, while the recipient collects PHP in cash at a local branch.

If you’re looking for alternatives, MoneyGram also offers competitive cash pickup services.

How to get the best deal on your Saudi Arabia to Philippines money transfer

Summary of recent searches

Top rated for transfers from Saudi Arabia to Philippines
Western Union Agent
Total number of SA - PH providers
3
Average cheapest fees & rate
Western Union Agent
Average fastest transfer
PayPal App
Average transfer time
Within minutes
Best for bank transfers
Western Union Agent
Best for debit card
PayPal App
Best for credit card
PayPal App

Considerations for money transfers from Saudi Arabia to Philippines

1

Compare providers

Comparing providers offering services between Saudi Arabia and the Philippines, based on your specific needs is the best way to send money with confidence.

Our comparison includes 3 companies that provide the ability to send Saudi Riyal to Philippines.

This ensures you get the best options for transfers to the Philippines from Saudi Arabia, based on the amount you want to send.

2

Watch the Saudi Riyal-Philippine Peso exchange rate

3

Choose the right payment method

4

Use providers regulated in Philippines and Saudi Arabia

5

Consider transfer limits

6

Receiving money in Philippines

7

Have your ID ready

8

Tax declarations

The fastest way to to send SAR to Philippines is using PayPal (P2P Transfer)

If you and your recipient both have the PayPal app, the transfer is instant.

However, the withdrawal time from the PayPal account to the bank account or mobile wallet could take some time (from minutes to couple of days depending on the amount and account status).

With the limited SAR/PHP transfer options, this is one of the fastest options you have.

Alternatively, you may want to consider sending cash via Western Union or MoneyGram.

Screenshot

Fastest money transfers from Saudi Arabia to Philippines: cash transfer via MoneyGram Agent

The quickest way to send money from Saudi Arabia to Philippines is through a cash transfer with a MoneyGram Agent.

In most cases, cash transfers are processed instantly, allowing your recipient to collect PHP within minutes.

In some cases, transfer times can vary depending on the amount sent and the branch you use, with larger transfers occasionally taking up to 24 hours to process.

Given the limited number of providers supporting SAR to PHP transfers, MoneyGram remains the fastest and most reliable option for cash pickups in Philippines.

Transfer a large sum of money

When sending large amounts of Saudi Riyal to the Philippines it’s best to pick a company with higher maximum limits on exchange rates and send amounts.

From
3 money transfer companies compared, Western Union Agent is the best option for large transfers from Saudi Arabia to the Philippines.

Whether it’s for property purchases, business or any other reason, sending large amounts of money from Saudi Arabia to the Philippines can become expensive if you use a bank, or the wrong provider.

Western Union Agent is the top choice for sending large sums of money to the Philippines from Saudi Arabia because they offer a strong service and competitive exchange rates.

Understanding the cost of moving money from Saudi Arabia to Philippines

The total cost of sending money to the Philippines from Saudi Arabia, is made-up of a combination of fees and exchange rates. Sending with a company that can offer a good deal on both ensures a good deal on your transfer.

The Mid-Market and Exchange Rates: Currently, the mid-market for SAR-PHP is 15.6847 PHP per Saudi Riyal.

  • Finding a company offering an exchange rate closer to this will mean more Philippine Peso for your Saudi Riyal.

  • The average SAR-PHP mid-market rate for the last 7 days has been 15.6973 PHP per Saudi Riyal. This includes a high of 15.7429, and low of 15.6736.

  • Out of the 3 companies compared, Western Union Agent offers the best exchange rates.

  • The exchange rate you receive on converting SAR to PHP should be the biggest determining cost factor when transferring Saudi Riyal to the Philippines.

Fees: Transfer fees may have to be paid alongside the transfer, either as a set fee or a percentage of the transfer. Western Union Agent has a fee of 3 SAR per transfer (which is the cheapest option right now for a ﷼1,000 transfer).

Although you should search for your send amount for actual fees.

Amount Received: Money transfer companies will show you the amount of Philippine Peso eventually received in the Philippines.

A lower cost of sending from Saudi Arabia will result in more money received in the Philippines.

Getting best exchange rate for sending Saudi Riyal to Philippine Peso

Timing is essential when tracking the mid-market rate between SAR and PHP. The end exchange rate you secure impacts how much PHP you get for your SAR.

Mid-market Rate
1 
SAR
=
15.684665 
PHP

The recent mid-market rate trends are:

  • Over the past 7 days, the mid-market rate from SAR to PHP was 15.6973.

  • During this period, it hit a high of 15.7429, and a low of 15.6736.

  • Western Union Agent, which is our recommended service to send money online from Saudi Arabia to the Philippines offers an exchange rate that is only 5% above the mid-market rate.

Want to secure the best SAR-Philippine Peso exchange rates?

Sign up for our rate alerts and we'll tell you when it's the best time to move your money from Saudi Arabia to the Philippines!

Payment options for transfers from Saudi Arabia to
Philippines

  • Bank transfers

    Bank transfers are often the fastest and cheapest way to send money from Saudi Arabia to the Philippines.

    Using a money transfer company such as Western Union Agent for payments from Saudi Arabia to the Philippines, means you can send via a bank transfer and benefit from lower fees and more favorable exchange rates than you would get with a traditional bank. 


    Western Union Agent is the best money transfer provider for bank transfers of the 3 we compared when sending SAR to the Philippines.

    With a fee of 3 SAR to transfer money from Saudi Arabia to the Philippines, Western Union Agent offers a great combination of competitive exchange rates and lower fees.


  • Prepaid and debit cards

    Sending money with a debit card from Saudi Arabia to the Philippines is easy with Western Union Agent.


    Western Union Agent is a leader in debit card money transfers from Saudi Arabia to the Philippines. They are the best option of the 3 transfer companies compared.

  • Credit cards

    When it comes to credit card transfers from Saudi Arabia to the Philippines, we recommend comparing your options to get the best deal.

    Fee alert: using a credit card to transfer money internationally often results in a fee being charged by your card issuer. That's why we recommend bank transfer or debit card instead.

How we analyze the market

We track the cost, speed, and product offerings of the leading money transfer services available between Philippines and Saudi Arabia.


Our comparison engine and algorithms evaluate providers based on over 25 factors, including transfer fees, ease of use, exchange rates, mobile apps, transfer times & customer support.

We also consider how these services are rated on platforms like TrustPilot, AppStore, and Google Play, giving you a comprehensive view of what to expect.

This thorough analysis helps you get the best available deal - every time you want to move money from Saudi Arabia to Philippines.


We also provide unbiased and detailed reviews of all the top money transfer companies. You can use these reviews to send SAR to PHP.


For a deeper understanding of our commitment to integrity and transparency, we invite you to read our editorial policy and review methodology.

Money transfer company reviews

How much money can be transferred from Saudi Arabia to Philippines?
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Can I send money from Saudi Arabia to Philippines with MoneyTransfers.com?
What are the typical transfer fees for sending Saudi Riyals to Philippines through various providers?
How long does it take to send money from Saudi Arabia to Philippines?
What is the best exchange rate I can get for sending money from Saudi Arabia to Philippines?
Are there any minimum or maximum transfer amounts for sending money from Saudi Arabia to Philippines?
Can I schedule regular transfers between Saudi Arabia and Philippines?

Contributors

Keith Hodges
Keith is an experienced Content Specialist with a rich background in both marketing and journalism within the financial sector. At MoneyTransfers.com, Keith plays a pivotal role in driving the business forward and broadening its reach in various international money transfer markets. His expertise is a key factor in the company's expansion and success.
Luke Eales
Luke is the founder and CEO of MoneyTransfers.com, with over 10 years’ experience building consumer products across finance, insurance, and travel. A frequent traveler himself, Luke has hands-on experience testing payment and transfer services globally, giving him a unique perspective on the real-world challenges users face. Luke focuses on the payments sector and foreign exchange markets, as well as personal finance more broadly.
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