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riyals for someone in Riyadh
The people sending from Dubai and Abu Dhabi to Saudi Arabia tend to know exactly what the recipient needs in riyals. A rate that moves between send and settlement breaks that.
Grey fixes the USD to SAR rate when you confirm and pays into Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma or any Saudi bank. Gulf residents move money to Saudi Arabia for property, business and family across the border.
How sending to Saudi Arabia works
Sign up
You'll need a passport or Emirates ID. Once verified, you have USD, EUR and GBP account details to give employers or clients, and Saudi Arabia as a destination. Grey works with licensed partners serving the Gulf.
Fund
Hold your foreign earnings in USD on Grey. When a payment to Saudi Arabia is due, convert exactly that amount to SAR and send.
Send
Saudi Arabia uses IBANs too. Enter the recipient's SA IBAN, confirm the riyal amount and the fee, and tap send.
The cost of a transfer to Riyadh
Grey shows one rate, USD to SAR, and one fee. Both are fixed before you send from Dubai. The amount that reaches Riyadh matches what you were shown.
What you agree is what arrives
The rate you accept in Dubai is the rate applied. Movements in either currency afterwards don't touch what arrives at Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma.
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.
What UAE-based senders put up with before
Banks in Saudi Arabia charge receiving fees on international wires and sometimes hold them for review. A payment from Dubai that lands as a domestic SAR credit at Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma clears faster and arrives whole.
How it lands in Riyadh
The person in Riyadh gets what they'd get from a local transfer: SAR credited to their account at Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma. No collection, no code, no receiving fee. Confirmation shows in your app in Dubai at the same time.
Al Rajhi and the rest
Every bank in Saudi Arabia is covered, from the big names to regional ones.
Domestic credit
Your recipient sees a normal SAR deposit, not an international wire.
Confirmation in Dubai
The app in the UAE shows settled the moment Riyadh receives it.
Funding from the UAE, in practice
Before the SAR reaches Riyadh, the money has to get onto Grey in Dubai. UAE residents fund Grey from foreign income: employer payroll in USD, overseas clients, family abroad. The balance sends onward without touching dirhams. Hold the balance in dollars and convert to SAR exactly when the payment to Riyadh is due.
Foreign income
Dollars, euros or pounds received on Grey fund the transfer.
Hold, then convert
Keep the balance in USD and convert to SAR when the payment is due.
Existing balance
Convert and send in one step.
If the SAR amount matters more than the USD amount, enter the SAR figure first and let Grey work back to what you'll pay.
Who this route is for
Students
Living costs for students at Islamic University of Madinah, KFUPM and King Saud.
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.
A mixed corridor for senders in Dubai and Abu Dhabi. Gulf residents move money to Saudi Arabia for property, business and family across the border. Amounts range from a monthly allowance to a full supplier invoice.
Why send to Saudi Arabia with Grey
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