Key Currency is the cheapest way to send money from the United Arab Emirates to Saudi Arabia. Sending 25,000 AED will get you 25,504.58 SAR at 1.0202 SAR per AED.
We’ve compared 5 services and apps below in more detail.
| 5 of 5 providers Last updated on 28 September 2026 | |||
| Based on 25,000 AED transfer Best companies for AED/SAR transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee AED 361.69 1 AED = 1.0219 SAR +0.08% vs mid-market | Recipient gets SAR 25,178.87 Same day | |
Ways to receive money in Saudi Arabia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT AED 361.691 AED = 1.0219 SAR SAR 25,178.87You payAED 25,000.00 | |||
| Promoted  Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 1.0077 SAR +1.48% vs mid-market | Recipient gets SAR 25,192.50 Minutes - 24 hours | |
Ways to receive money in Saudi Arabia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.0077 SAR SAR 25,192.50You payAED 25,000.00 | |||
Run a live search Showing top United Arab Emirates to Saudi Arabia deals for 25,000 AED. 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 AED to SAR rates. | |||
Run a live search These companies offer multi-currency accounts for spending SAR. We suggest doing a live search based on how much AED you're planning to spend in Saudi Arabia. | |||
Run a live search These are managed services with real human support for large AED 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 AED 0.00 1 AED = 1.0202 SAR +0.25% vs mid-market | Recipient gets SAR 25,504.58 Minutes - 3 days | |
Ways to receive money in Saudi Arabia with Key Currency when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 3 days Free1 AED = 1.0202 SAR SAR 25,504.58You payAED 25,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee AED 0.00 1 AED = 1.0200 SAR +0.27% vs mid-market | Recipient gets SAR 25,499.47 Minutes - 24 hours | |
Ways to receive money in Saudi Arabia with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.0200 SAR SAR 25,499.47You payAED 25,000.00 | |||
 OFX Pay via Bank transfer | Fee AED 0.00 1 AED = 1.0176 SAR +0.50% vs mid-market | Recipient gets SAR 25,440.66 Minutes - 24 hours | |
Ways to receive money in Saudi Arabia with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.0176 SAR SAR 25,440.66You payAED 25,000.00 | |||
| Xe Pay via Bank transfer | Fee AED 0.00 1 AED = 1.0077 SAR +1.48% vs mid-market | Recipient gets SAR 25,192.50 Minutes - 24 hours | |
Ways to receive money in Saudi Arabia with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 1.0077 SAR SAR 25,192.50You payAED 25,000.00 | |||
| Wise Pay via Bank transfer | Fee AED 361.69 1 AED = 1.0219 SAR +0.08% vs mid-market | Recipient gets SAR 25,178.87 Same day | |
Ways to receive money in Saudi Arabia with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:SWIFT AED 361.691 AED = 1.0219 SAR SAR 25,178.87You payAED 25,000.00 | |||
| How Our Results Work Mid-market rate: 1 AED = 1.0227 SAR Updates every 60 minutes. | |||
Transfer details
Start with the cheapest, which is Key Currency at 25,504.58 SAR on AED 25,000.
You have 1 ways to pay, including bank transfer.
Cash at an exchange house counter works, and so does the salary card your wages land on.
You'll need your Emirates ID every time, not just the first.
Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.
How much AED you send to Saudi Arabia 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.
| Cheapest service | |||||
|---|---|---|---|---|---|
| AED 3,500 | 0.65% | AED 0.00 | SAR 3,556.33with bank transfer to bank deposit | +SAR 43.24 | |
| AED 7,500 | 0.65% | AED 0.00 | SAR 7,620.70with bank transfer to bank deposit | +SAR 50.91 | |
| AED 25,000This page | 0.25% | AED 0.00 | SAR 25,504.58with bank transfer to bank deposit | +SAR 141.36 | |
| AED 50,000 | 0.25% | AED 0.00 | SAR 51,009.16with bank transfer to bank deposit | +SAR 248.18 | |
| AED 200,000 | 0.20% | AED 0.00 | SAR 204,138.90with bank transfer to bank deposit | +SAR 1,016.47 | |
| AED 350,000 | 0.20% | AED 0.00 | SAR 357,243.08with bank transfer to bank deposit | +SAR 1,792.60 | |
| AED 1,000,000 | 0.15% | AED 0.00 | SAR 1,021,206.89with bank transfer to bank deposit | +SAR 5,398.26 |
Mid-market rate: 1 AED = 1.0227 SAR
5 companies send money from the UAE to Saudi Arabia, split between broker, online, app, multi-currency account, and global account, and more.
For frequent transfers home
If you send SAR home monthly, money transfer apps like Xe are the easiest with good AED/SAR rates.
Botim, Careem Pay, and e& money are convenient but Xe is cheaper.
On AED 25,000 transfer it will get you 25,192.5 SAR in minutes - 24 hours (after 0 fee and 1.48% markup).
You'll need your Emirates ID and a UAE number to register.
For small urgent transfers
You can send AED to Saudi Arabia now, and pay for it in the coming weeks.
Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.
We’ve covered this in more detail in our Send Now, Pay Later guide.
For mid-sized transfers from UAE
Sending AED 5,000 to Saudi Arabia is usually cheaper with online money transfer services like Xe.
Xe gets you 25,192.5 SAR on AED 25,000 transfer, with a AED 0 fee and 1.48% markup.
For sending large amounts
Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.
A broker like Key Currency charges no fee and adds 0.25% on AED/SAR exchange rate with someone on the phone guiding you through the process.
For UAE businesses trading abroad
Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.
Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.
For receiving money
A multi-currency account lets you hold dirhams and/or SAR side by side.
This is useful if you’re getting paid in SAR, or travelling to Saudi Arabia.
I’d suggest Wise for this.
Wise converts 25,192.5 SAR at 0.08% markup and holds it until you send or spend it, and gives you account details to receive SAR.
We've covered this in more detail in our guide to multi-currency accounts.
With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 25,504.58 SAR.
You can pay in AED by bank transfer.
In Saudi Arabia, the recipient can receive SAR through bank deposit.
They can receive money via bank deposit.
You pay .د.إ25,000.00
﷼25,505
Cheapest
The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.
For an AED 25,000 transfer to Saudi Arabia, the current options look like this.
The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 25,504.58 SAR, which is 0.02% more than the next best option.
The fastest option is Regency FX, funded by bank transfer with bank deposit in Saudi Arabia. Your recipient gets 25,499.47 SAR in minutes - 24 hours.
Banks, apps and exchange houses need to identify you.
Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.
For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.
A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.
Currency exchange and remittance services require a Central Bank of the UAE licence.
Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.
The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.
Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.
The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.
Your bank or exchange house can still set its own transaction limit and request additional documents.
If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.
This reduces mistakes without bypassing the checks on later transfers.
The dirham is pegged to the US dollar, but the AED/SAR rate still moves. Checking the recent range helps you assess the amount offered in SAR.
Mid-market rate:1 AED = 1.022714 SAR
We track 5 licensed companies sending AED to Saudi Arabia, refreshed in real time during live comparisons.
Because the dirham is fixed to the dollar, we compare on what arrives in SAR rather than on the fee, alongside the deposit and payout options.
Every company goes through our review before it appears.
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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