Send money from Nigeria to Saudi Arabia
The Lagos to Riyadh route has a specific shape. Africans send to Saudi Arabia for Umrah and Hajj payments, students in Madinah, and relatives newly arrived on work contracts. Grey handles the conversion in Lagos and delivers SAR to Al Rajhi or any other Saudi bank.
NGN
SAR
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Lagos to Riyadh, in one conversion
Africans send to Saudi Arabia for Umrah and Hajj payments, students in Madinah, and relatives newly arrived on work contracts. For senders in Lagos, the practical question is simple: how much lands, and when.
Grey answers both before you confirm. NGN converts to SAR once, the fee is shown separately, and the money reaches Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma as a normal deposit. Nigerians top up in naira by bank transfer from GTBank, Access, Zenith, UBA or any other Nigerian bank, and the balance usually shows within minutes. Anyone paid in dollars by a foreign client can send from that USD balance and skip the naira leg.
How sending to Saudi Arabia works
Sign up
Open the app, scan your NIN slip, BVN or international passport, take a selfie. Most accounts in Nigeria are approved within minutes. Grey works with licensed partners in Nigeria and is registered with the CBN.
Fund
Top up in naira by bank transfer from any Nigerian bank. If you're paid in foreign currency, that balance can fund the transfer directly.
Send
Paste the 24-character Saudi IBAN from the recipient's Al Rajhi, SNB or Riyad Bank account. Grey shows the SAR before you confirm.
The real price of riyals from Nigeria
One conversion, NGN to SAR, with the rate and fee disclosed before you send from Lagos. Money for Umrah or Hajj is saved for, sometimes for years, and it needs to reach the right account intact. The same is true of a student's allowance in Madinah.
Locked at confirmation
A rate that holds means you can promise someone in Riyadh an exact SAR figure and know it will arrive. Money for Umrah or Hajj is saved for, sometimes for years, and it needs to reach the right account intact. The same is true of a student's allowance in Madinah.
Grey fixes NGN to SAR at the tap, every time, from Lagos or anywhere else in Nigeria.
Why domestic delivery matters in Saudi Arabia
Anyone in Lagos who has wired money to Riyadh the old way knows the feeling of not knowing what landed. Money for Umrah or Hajj is saved for, sometimes for years, and it needs to reach the right account intact. The same is true of a student's allowance in Madinah.
The recipient's side in Saudi Arabia
A standard SAR deposit into an account at Al Rajhi or any other bank in Saudi Arabia. It appears as a local transfer on their statement. No Grey account needed on their side, only on yours in Lagos.
Account credit, not pickup
SAR goes into the account at Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma. No queue, no agent.
Reuse the details
Save the Riyadh recipient and every later transfer is three taps.
Track from Lagos
Pending, converted, delivered: each stage shows in the app.
Before you send
Top up in naira from your bank app, or leave a small standing balance if you send to Riyadh more than once a month. Nigerians top up in naira by bank transfer from GTBank, Access, Zenith, UBA or any other Nigerian bank, and the balance usually shows within minutes. Anyone paid in dollars by a foreign client can send from that USD balance and skip the naira leg.
Local rail
Fund by bank transfer from any Nigerian bank.
Business income
Revenue in naira or dollars funds the next payment to Riyadh.
Existing balance
Already funded? Convert to SAR and send in the same session.
Save the recipient in Riyadh once and a repeat transfer from Lagos takes three taps.
What the money is for
Newly arrived workers
Setup money before the first Saudi salary lands.
Business
Paying Saudi contractors, suppliers and partners in riyals.
Umrah and Hajj
Payments to Saudi-based agents, hotels in Makkah and Madinah, and transport providers.
Students
Living costs for students at Islamic University of Madinah, KFUPM and King Saud.
A mixed corridor for senders in Lagos and Abuja. Africans send to Saudi Arabia for Umrah and Hajj payments, students in Madinah, and relatives newly arrived on work contracts. Amounts range from a monthly allowance to a full supplier invoice.
Why send to Saudi Arabia with Grey
Between Lagos and Riyadh, the problem is well known. Money for Umrah or Hajj is saved for, sometimes for years, and it needs to reach the right account intact. The same is true of a student's allowance in Madinah. Grey's fixed rate and visible fee exist so nothing about the transfer from Lagos is left to chance.
One conversion from NGN in Lagos, rate locked, SAR delivered to Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma or any other bank in Saudi Arabia.
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