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Getting SAR to Saudi Arabia from the US
Seen from New York. North American Muslims pay for Umrah and Hajj, and North American firms pay Saudi partners. Most banks in the US either won't quote SAR or route it through a second currency, adding a spread nobody discloses.
Grey quotes USD to SAR directly for senders in New York and Houston. The SAR lands at Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma or any Saudi bank as a domestic deposit. Nothing to install on the receiving side.
How sending to Saudi Arabia works
Sign up
Grey asks for a government-issued ID and nothing else to open. Add Riyadh as a destination straight after. Grey Inc is registered with FinCEN.
Fund
Any USD top-up works: ACH, wire or FedNow from any US bank. Regular senders to Riyadh usually keep a small balance ready.
Send
Saudi Arabia uses IBANs too. Enter the recipient's SA IBAN, confirm the riyal amount and the fee, and tap send.
What the fee doesn't tell you
Grey does one conversion, USD to SAR, and shows it. What lands at Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma is what was on screen in New York.
The SAR figure doesn't move
Whatever the market does after you tap send in New York, the SAR amount arriving at Al Rajhi is fixed.
For a bill with a due date in Riyadh, this removes the guesswork.
The old way to Riyadh, and why it costs more
Ask a bank in New York to send riyals and you'll often be told to send dollars instead. 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.
On the receiving side
SAR into any bank account in Saudi Arabia. Al Rajhi and Al Rajhi Bank, Saudi National Bank, Riyad Bank, Alinma are all supported, and the credit looks domestic. The sender in New York sees the same settlement confirmation in the app.
Bank delivery
SAR to Al Rajhi and any other bank in Saudi Arabia.
Repeat recipients
Store a recipient once. Every future payment is three taps.
GreyTag
Both on Grey? GreyTag delivers instantly with no fee.
Getting money onto Grey in the US
US senders fund by ACH, wire or FedNow from Chase, Bank of America, Wells Fargo or any US bank. FedNow lands instantly where the sending bank supports it. Then Riyadh is a conversion and a tap.
Bank transfer
Chase, Bank of America, Wells Fargo, Capital One or any US bank to your Grey USD account, usually within minutes.
Foreign earnings
USD from an overseas employer or platform can fund the Saudi Arabia transfer directly.
Wallet balance
Convert and send the same minute.
Sending to Al Rajhi for the first time? Check the account details twice. After that, Grey remembers them.
The people behind the US to Saudi Arabia transfers
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.
Newly arrived workers
Setup money before the first Saudi salary lands.
The US has the world's largest immigrant population, and American firms pay contractors on every continent. On the Saudi Arabia side, the picture is this. North American Muslims pay for Umrah and Hajj, and North American firms pay Saudi partners.
The case for Grey on this route
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