SAR to PHP exchange rate | Send money from Saudi Arabia to Philippines

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📈 Saudi Arabia to Philippines Money Transfer Snapshot Today

Best SAR to PHP exchange rate today: PHP 15.5995, offered by Regency FX
Number of money transfer providers compared: 5
Exchange rate range: PHP 15.4824 to PHP 15.5995
Potential savings on SAR 1000: PHP 117.10
Number of deals and promo codes: 0
Mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real SAR to PHP exchange rate before providers add their margin or fees. exchange rate: 1 SAR = PHP 15.5975 (Updated about an hour ago)

See detailed Saudi Arabia to Philippines money transfer comparison below.

Money Transfer Providers that matched the search criteria

💡What today's SAR-PHP exchange rates mean for you

Compare today's SAR-PHP exchange rates and send money from Saudi Arabia to Philippines with confidence. View provider pricing, read detailed reviews, and discover current deals and promotional offers — all in one place.

We compared 5 providers serving this corridor today. Here is how the market looks like right now:

Today's Most Competitive Saudi Arabia to Philippines Providers

🥇 Regency FX with 1 SAR = 15.5995 PHP (best SAR to PHP exchange rate today).

🥈 Cambridge Currencies offering 1 SAR = 15.5761 PHP.

🥉 Key Currency & Currencyflow are also pricing SAR-PHP competitively today.

SAR-PHP exchange rates fluctuate throughout the day, and top positions can change quickly. The best provider for a SAR 1000 transfer may not be the cheapest for larger amounts.

That's why comparing money transfer providers can significantly impact the final PHP received in Philippines.

🔄 Looking for the reverse route? Send money from Philippines to Saudi Arabia instead.

Looking for a different option? You can browse all sending countries on our send money from hub, or view all destinations available when sending money from Saudi Arabia.

👇 Look beyond today's SAR-PHP exchange rate — historical pricing trends show how they can affect the overall transfer cost of your transfer.

Whilst the exchange rate matters, long-term pricing patterns show that exchange rate markup, transfer fees, and payment and delivery methods can significantly influence your final payout.

Below, we analyze Saudi Arabia to Philippines historical remittance data to help you understand where costs may arise and strategies to potentially maximize your PHP payout.

Data-driven cost insights for Saudi Arabia to Philippines money transfers

When you send money internationally from Saudi Arabia to Philippines, the key factors that will influence the overall cost of your transaction are:

SAR-PHP exchange rate
Transfer fee
Payment method
Delivery method

Ideally, you would want to optimize these 4 factors to try to get the maximum PHP payout for your overseas recipient in Philippines.

Another counter-balancing aspect is money transfer speed. If you need to rush money from Saudi Arabia to Philippines, you may have to compromise on some or all of the above factors.

To put these factors into a better perspective with a data-driven approach, we have analyzed historical remittance pricing¹ for the Saudi Arabia to Philippines corridor, comparing total transfer costs, FX margins, fees, and payment and delivery methods across providers.

This historical analysis based on actual SAR-PHP transfer data could prove useful in identifying the lowest-cost funding options and payout combinations, thereby helping you reduce transfer costs and maximize the amount received.

Before we deep dive, here are the key trends from our analysis, summarized in an easy to read manner.

📌 Key insights for Saudi Arabia to Philippines money transfers

Typical total cost: 4.05% (range 2.23% to 11.61%, spread 9.38 pp)
Potential value difference: On a SAR 750 transfer, that spread can save you up to SAR 70.35.
FX markup (exchange rate margin): 1.09% (range 0.20% to 2.81%, spread 2.61 pp)
Average transfer fee: SAR 22.21 (range SAR 11.50 to SAR 78.75)
Cheapest payment/delivery method combo: Mobile Wallet → Bank Deposit (3.13% avg cost); most expensive is Bank Account Transfer → Bank Deposit (5.43%)
Method choice impact: Cheapest vs most expensive combo differs by about 2.30 percentage points.
Market coverage: ~7 active providers (competition level: moderate)
Typical speed: About 19 hours

What to do next: Compare providers using both exchange rate and fees, then optimize your payment and delivery methods to reduce total cost.

Below, we provide various useful and detailed insights for Saudi Arabia to Philippines money transfers.

📈 SAR to PHP exchange rate markup can be the biggest hidden cost

The exchange rate on your Saudi Arabia to Philippines money transfers can often be the single biggest factor that will determine your overall SAR cost and your recipient's PHP payout.

To analyze exchange rates, we will rely on the exchange rate markup (also called FX margin) which is the difference between the mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real SAR to PHP exchange rate before providers add their margin or fees. exchange rate and the exchange rate you receive.

Based on 119 pricing observations across 7 providers over the last 3 years (for a SAR 750 money transfer benchmark), we see the following exchange rate markup ranges for Saudi Riyal to Philippines transfers:

Average exchange rate markup: 1.09%
Median exchange rate markup: 1.04%
Lowest observed markup: 0.20%
Highest observed markup: 2.81%

That is an FX markup spread of 2.61 percentage points between the lowest and highest observed exchange rate markups.

This spread is important because FX markup is not consistent across providers or payment methods. In other words, a "good deal" on one day or transfer amount can look very different on another.

For example, on a SAR 750 transfer, the above markup range is equivalent to roughly PHP 19.58 purely from differences in the exchange rate. That incremental saving can be PHP 48.81 for a SAR 1870 transfer.

How to use this insight: When comparing providers for Saudi Arabia to Philippines international remittances, always compare the exchange rate you receive (not just fees). A small difference in the FX markup can outweigh fees quickly, and the impact typically grows as transfer amounts increase.

SAR to PHP exchange rate can be the single most critical cost determining factor for your transfer. When comparing providers, pay close attention to the rate you will get.

💰 Transfer fees influence your total Saudi Arabia to Philippines remittance cost

Whilst exchange rate is a major factor affecting total percentage cost, the transfer fee itself can also have a major impact on how much of your Saudi Riyal amount actually reaches your recipient in Philippines.

Based on 119 pricing observations across 7 providers over the last 3 years (SAR 750 benchmark), we notice the following fee patterns for Saudi Riyal to Philippines money transfers:

Average transfer fee: SAR 22.21
Median transfer fee: SAR 17.25
Lowest observed fee: SAR 11.50
Highest observed fee: SAR 78.75

On a SAR 750 transfer, the average fee amount of SAR 22.21 represents 2.96% of the total amount sent.

Looking at the overall fee variation, even if two providers provide similar exchange rates, a worst case transfer fee can reduce the final payout by SAR 67.25 on the same transfer amount.

For larger transfers, fixed fees generally become less significant as a percentage of the total amount. But for smaller transfers, fees can represent a substantial portion of total cost.

How to use this insight: For your next money transfer from Saudi Arabia to Philippine Peso, look for providers that provide lower (or even 0) fees.

One caveat to this, though, is something called the hidden fee. Some providers may hide their fees by providing lower exchange rates (referred to as a hidden fee), so you should also keep an eye on rates whilst paying attention to fees.

💸 Payment and delivery methods matter for SAR-PHP remittances

Based on our detailed analysis of historical pricing on the Saudi Arabia to Philippines corridor, we see meaningful variation in overall cost depending on the payment method and delivery method you choose.

Based on 119 pricing observations across 7 providers over the last 3 years (SAR 750 money transfer benchmark), the lowest-cost payment and delivery options consistently differ from the highest-cost ones.

For example, here is the average cost variation for popular payment methods used to send money to Philippines from Saudi Arabia:

Cash: 3.42%
Mobile Wallet: 3.53%
Bank Account Transfer: 5.43%

That is a total spread of 2.00 percentage points.

This means that on a SAR 750 SAR-PHP transfer, you could save (or lose) up to SAR 15.01 simply by choosing from amongst the available payment methods.

The savings will only multiply for higher SAR amounts.

Similarly, here is the average cost of popular delivery methods used to send money to Philippines:

Cash Pickup: 3.58%
Bank Deposit: 4.51%

The difference between the above delivery methods is 0.93 percentage points.

Once again, this means that you could save up to SAR 6.99 on a SAR 750 transfer to Philippines by choosing Cash Pickup versus Bank Deposit.

As you can imagine, the possible combinations of Saudi Arabia payment methods and Philippines delivery methods will all have disparate cost associated with them. Let us look at that next.

Here is a summary table that shows the average cost of payment and delivery method combinations for Saudi Arabia to PHP money transfers.

Payment Method	Delivery Method	Avg cost (%)
Mobile Wallet	Bank Deposit	3.13
Cash	Bank Deposit	3.17
Cash	Cash Pickup	3.49
Mobile Wallet	Cash Pickup	3.94
Bank Account Transfer	Bank Deposit	5.43

Combinations are sorted by average total cost % (cheapest to most expensive).

As you can see, the cost differential between these SAR-PHP payment and delivery options is significant. To put this in further perspective:

Mobile Wallet → Bank Deposit has the lowest average cost at 3.13%.
Bank Account Transfer → Bank Deposit has the highest average cost at 5.43%.
Mobile Wallet → Bank Deposit average cost is 2.30 percentage points lower than Bank Account Transfer → Bank Deposit.
This means that on a SAR 750 money transfer, you could save up to SAR 40.69 simply by choosing the best payment and delivery method combo.
Further, on a SAR 1870 money transfer, the savings increase to SAR 101.46.

Here is a quick summary of the average historical cost of various payment and delivery methods for SAR to Philippines money transfers.

💸 Cheapest payment and delivery methods (data-backed)

Cheapest payment method: Cost of Cash averaged 3.42%, compared to 5.43% for Bank Account Transfer, a difference of 2.00 percentage points.
Cheapest delivery method: Cost of Cash Pickup averaged 3.58%, compared to 4.51% for Bank Deposit (0.93 percentage points higher).
Cheapest combo: Cost of Mobile Wallet → Bank Deposit averaged 3.13%, which is 2.30 percentage points lower than Bank Account Transfer → Bank Deposit (5.43%).

How to use this insight: As you compare money transfer providers for your next Saudi Arabia to Philippines international money transfer, strive to pair the lowest-cost payment method with the lowest-cost delivery method.

This approach can help you avoid a common remittance pitfall of "cheap exchange rate, expensive methods" that can raise total cost even when the headline exchange rate looks attractive.

You can save money on your Saudi Arabia to Philippines remittances by carefully choosing the most economical payment and delivery methods.

🏦 Are banks more expensive than specialist providers for SAR-PHP money transfers?

We compared traditional banks with specialist money transfer providers based on 3 years of pricing data for Saudi Arabia to Philippines transfers (SAR 750 benchmark), and noticed some patterns.

We observed that traditional banks charge 7.08 percentage points more on average than specialist money transfer providers for the Saudi Arabia to Philippines remittance corridor.

That means banks are approximately 3.12x more expensive than money transfer companies on average.

Here are the key stats behind this comparison:

	Banks	Specialists	Difference
Average transfer fee	SAR 70.79	SAR 16.76	SAR 54.03
Exchange rate markup	0.98%	1.10%	-0.13 pp
Average total cost (%)	10.42%	3.34%	7.08 pp

How to use this insight: Whilst banks in Saudi Arabia may offer convenience and brand familiarity, specialist money transfer providers often deliver lower overall cost driven by better exchange rates and lower fees. Even if you want to send money overseas with your bank in Saudi Arabia, we recommend comparing with money transfer companies to find the best options.

📊 Does sending more reduce the cost of SAR-PHP money transfers?

To see if transfer cost varies based on the amount sent, we compared the average costs of sending SAR 750 vs SAR 1870 from Saudi Arabia to Philippines.

We found that sending the higher amount (SAR 1870) tends to be cheaper - average cost drops from 4.05% to 2.29%, a reduction of 1.76 percentage points.

It is possible that the cost may continue to drop for higher transfer amounts. That said, always check the latest exchange rates and fees for your transfer amount.

How to use this insight: Since it is generally cheaper to send higher Saudi Riyal amounts to Philippines, consider consolidating smaller, more frequent transfers into fewer, larger sends as doing so may reduce the total cost you pay.

🏛 How competitive is the Saudi Arabia to Philippines remittance market?

Based on 119 pricing observations over the last 3 years (SAR 750 money transfer benchmark), the SAR-PHP corridor is served by 7 active providers on an average.

With 7 providers serving this market, we consider the level of competition in this corridor to be moderate.

Traditional banks represent only 28.6% of active providers in this corridor (2 out of 7), meaning specialist money transfer companies make up the majority.

A corridor with more active providers is typically more competitive, which can translate into better pricing and more payment and delivery options for your Saudi Arabia to Philippines remittances.

⏱️ How fast are SAR-PHP money transfers?

Transfer speed can matter just as much as cost, especially when your recipient in Philippines needs funds urgently.

Based on 119 historical pricing observations across 7 providers over the last 3 years (SAR 750 benchmark), here is what we see for Saudi Arabia to Philippines transfers:

Typical transfer time: About 19 hours.
Fastest transfer time: About less than 1 hour.
Slowest transfer time: About 48 hours (~2.0 days).
Average speed at SAR 750: About 19 hours.
Average speed at SAR 1870: About 19 hours.

Banks vs money transfer providers: We observed that banks take on average 3 hours longer than specialist money transfer providers on this corridor.

How to use this insight: If you need to send money from Saudi Arabia to Philippines in a hurry, compare providers not just on exchange rate, but also on expected speed. Speed often varies by payout method (bank vs cash vs wallet) and local rails in Philippines.

On the Saudi Arabia to Philippines corridor, delivery speed can vary across providers, so it is worth comparing transfer speed alongside total cost for time-sensitive money transfers.

Frequently Asked Questions about Saudi Arabia to Philippines money transfers

These FAQs use data from RemitFinder's historical analysis of Saudi Arabia to Philippines money transfers over several years.

What factors affect the total cost of sending money from Saudi Arabia to Philippines?

SAR-PHP exchange rate markup, transfer fees, payment method and delivery method all affect total cost.

The total cost of your SAR-PHP money transfer depends on how you fund the transaction (payment method), how the recipient receives it (delivery method), the exchange rate markup applied, and any transfer fee charged by the provider. You can generally avoid overpaying by comparing various providers.

How much does the exchange rate markup affect Saudi Arabia to Philippines transfers?

SAR-PHP exchange rate markup can significantly affect your final payout.

Historical Saudi Riyal to PHP FX markup ranges from 0.20% to 2.81%, a spread of 2.61 percentage points. As you can see, even small differences in the exchange rate markup can easily outweigh fees.

Is the exchange rate or the fee more important for Saudi Arabia to Philippines transfers?

The transfer fee contributes more to pricing variation for SAR-PHP transfers (and that remains true at higher amounts).

Exchange rate markup ranges from 0.20% to 2.81% (a spread of 2.61 percentage points). Transfer fees range from SAR 11.50 to SAR 78.75, which equals roughly 8.97 percentage points of a SAR 750.00 transfer.

At both SAR 750.00 and SAR 1870.00, the transfer fee shows larger variation than the other component.

But regardless, our recommendation is that it is important to compare both exchange rates and fees when choosing a provider for Saudi Arabia to Philippines transfers.

As the transfer amount increases, the % impact of fees often decreases (because the fee gets spread across a larger SAR amount), whilst exchange rate markup remains a percentage-based cost that can scale with transfer size.

For smaller transfers, fees can matter more, whilst for larger transfers, exchange rate markup often becomes the bigger driver. Either way, comparing both helps you get the most PHP for your SAR.

How much can Saudi Arabia to Philippines transfer costs vary between providers?

Transfer costs can vary significantly depending on provider and method.

Historical transfer costs range from 2.23% to 11.61% for SAR transfers to Philippines. That is a spread of 9.38 percentage points, meaning the difference between providers can be material.

A major contributor to this variation is exchange rate markup. Markup alone ranges from 0.20% to 2.81% (a spread of 2.61 percentage points). Even small differences in FX margin, therefore, can significantly change the final PHP payout.

Why does the same SAR transfer cost different amounts when sending PHP to Philippines?

Payment method, delivery method, exchange rate markup, and fees all affect total SAR-PHP cost.

Costs vary because providers apply different Saudi Riyal exchange rate markups, charge different transfer fees, and offer different payment and delivery methods. Even small differences amongst all these factors can significantly change the final payout in PHP in Philippines.

How stable are transfer costs in the Saudi Arabia to Philippines corridor?

Money transfer costs can vary meaningfully across providers and methods in the Saudi Arabia to Philippines market.

When we analyzed the historical total cost for SAR-PHP transfers, we observed a range from 2.23% to 11.61% (9.38 percentage points), along with a variability (standard deviation) of about 2.34%.

A major driver of cost in this market is exchange rate markup. Markup ranges from 0.20% to 2.81% (2.61 percentage points), with a standard deviation of about 0.48%. Fees and method choices can contribute to further volatility.

This reinforces why comparing money transfer providers and their services can matter when it comes to getting the most of your SAR-PHP transfers.

Which payment method is cheapest for Saudi Arabia to Philippines remittances?

Cash is the cheapest payment method in Saudi Arabia based on average cost.

Cash averages 3.42% of total cost compared to Bank Account Transfer at 5.43%, a difference of 2.00 percentage points.

Based on this, we recommend paying for your SAR transfer with Cash, and avoiding Bank Account Transfer if possible.

Which delivery method is cheapest for SAR-PHP money transfers?

Cash Pickup is the cheapest delivery method in Philippines on average.

Cash Pickup averages 3.58% total cost compared to Bank Deposit at 4.51%, a spread of 0.93 percentage points.

If your recipient in Philippines can accept Cash Pickup, we recommend choose it as your preferred delivery option for SAR-PHP transfers.

Is Bank Deposit cheaper than Cash Pickup for Saudi Arabia to Philippines transfers?

Cash Pickup is cheaper on average for transfers to Philippines.

For SAR transfers to Philippines, Bank Deposit averages 4.51% versus 3.58% for Cash Pickup, a difference of 0.93 percentage points. To save more, consider choosing the cheapest delivery option for Philippines.

What is the cheapest way to send money from Saudi Arabia to Philippines?

For SAR-PHP transfers, Mobile Wallet → Bank Deposit has the lowest-cost combination on average.

We evaluated 5 payment and delivery method combinations in the Saudi Arabia to Philippines remittance market.

Based on historical averages, Mobile Wallet → Bank Deposit costs about 3.13% on average. At the other end of the spectrum, Bank Account Transfer → Bank Deposit is the most expensive combination at about 5.43% on average.

The spread between the cheapest and most expensive method combinations is approximately 2.30 percentage points when sending SAR to Philippines.

Money transfer providers tend to price payment and delivery methods for Saudi Arabia to Philippines remittances differently. As you compare options, look for the cheapest payment-delivery method combo to maximize the value of your SAR-PHP transfers.

Does sending more money reduce the cost for Saudi Arabia to Philippines transfers?

Larger SAR-PHP transfers are cheaper as a percentage on average.

The cost of a SAR 750 transfer averages 4.05% as compared to 2.29% for a SAR 1870 transfer, a difference of 1.76 percentage points.

Note that transfer cost can change quickly based on the SAR amount you send, so ensure to carefully compare providers.

How long does it take to send money from Saudi Arabia to Philippines?

Most SAR-PHP transfers complete in about 19 hours.

Based on our analysis, the average transfer time is 19 hours, with the fastest transfers completing in less than one hour and the slowest in 48 hours (~2.0 days).

Are instant transfers available from Saudi Arabia to Philippines?

Yes, some transfers to Philippines from Saudi Arabia can complete in less than one hour.

Historical data shows that certain providers can complete transfers in under one hour.

Note that the actual speed of your SAR-PHP transfer will depend on the chosen provider, payment method, delivery method, and eligibility checks.

Are banks more expensive than money transfer companies for Saudi Arabia to Philippines?

Banks in Saudi Arabia are more expensive than specialist money transfer providers on average.

Banks average 10.42% total cost compared to 3.34% for specialist money transfer providers in Saudi Arabia, a difference of 7.08 percentage points.

Why do banks charge more for Saudi Arabia to Philippines transfers?

Banks in Saudi Arabia often apply higher exchange rate markups and charge high wire transfer fees.

In this corridor, banks average 10.42% total cost compared to 3.34% for money transfer specialists.

The difference is often due to the fact that banks in Saudi Arabia charge higher exchange rate markups, and often higher wire transfer fees as well.

How competitive is the Saudi Arabia to Philippines remittance market?

On an average, there have been 7 active providers facilitating SAR-PHP transfers.

Based on historical data, the competition level in Saudi Arabia to Philippines is considered moderate with 7 active providers.

Specialist money transfer providers represent about 71.4% of identified providers in Saudi Arabia.

Do I risk overpaying if I do not compare providers for Saudi Arabia to Philippines?

The difference between providers servicing Saudi Arabia to Philippines can be meaningful, especially as the SAR transfer amounts increase.

Historically, total SAR-PHP transfer cost has varied by about 9.38 percentage points. On a SAR 750 transfer, that can translate to roughly SAR 70.35 in savings.

SAR-PHP exchange rate markup also varies across providers. The average markup spread has been about 2.61 percentage points. On a SAR 750 transfer, that is roughly SAR 19.57 saved from FX alone.

Fees can also make a big difference in this market. The fee difference across providers has been about SAR 67.25 traditionally.

That is why comparing providers can materially change how much of the SAR you send does your recipient receive in Philippines in Philippines.

Latest SAR to PHP Conversion Rates

Here are some latest SAR to PHP (Saudi Riyal to Philippine Peso) exchange rates for popular conversion amounts*.

1 SAR	15.60 PHP
5 SAR	77.99 PHP
10 SAR	155.98 PHP
25 SAR	389.94 PHP
50 SAR	779.88 PHP
100 SAR	1,559.75 PHP
150 SAR	2,339.63 PHP
200 SAR	3,119.50 PHP
250 SAR	3,899.38 PHP
300 SAR	4,679.25 PHP
400 SAR	6,239.00 PHP
500 SAR	7,798.75 PHP
600 SAR	9,358.50 PHP
700 SAR	10,918.25 PHP
800 SAR	12,478.00 PHP
1000 SAR	15,597.50 PHP
1500 SAR	23,396.25 PHP
2000 SAR	31,195.00 PHP
2500 SAR	38,993.75 PHP
3000 SAR	46,792.50 PHP
4000 SAR	62,390.00 PHP
5000 SAR	77,987.50 PHP
10000 SAR	155,975.00 PHP
15000 SAR	233,962.50 PHP
20000 SAR	311,950.00 PHP
30000 SAR	467,925.00 PHP
40000 SAR	623,900.00 PHP
50000 SAR	779,875.00 PHP
100000 SAR	1,559,750.00 PHP

*Based on the Mid-market^ⓘThe mid-market exchange rate (also called the interbank rate) is the real SAR to PHP exchange rate before providers add their margin or fees. Exchange Rate. Actual payout may vary based on the chosen money transfer provider.

Other popular countries to send money from Saudi Arabia

¹ Based on 119 pricing observations across 7 firms over the last 3 years for a SAR 750 money transfer from Saudi Arabia to Philippines. Data Source: The World Bank, Remittance Prices Worldwide, available at http://remittanceprices.worldbank.org.

How we analyze remittance data?
Insights are derived from the World Bank's Remittance Prices Worldwide dataset, which collects standardized provider pricing information at defined transfer amounts.
We aggregate this data across multiple providers and multi-year periods to calculate averages, medians, and variability measures in order to identify consistent pricing patterns for the Saudi Arabia to Philippines remittance corridor.
RemitFinder does not modify the underlying World Bank data. The analysis presented here is independently calculated from published datasets and is intended for informational and comparison purposes only.

Compare today's SAR to PHP (Saudi Riyal to Philippine Peso) exchange rates