Send money from Saudi Arabia to Egypt
See today's SAR→EGP rate, compare every service on fees, speed and delivery, and see what your recipient keeps after cash-out fees and taxes — before you send.
Today's SAR→EGP exchange rate
This is the reference interbank rate — the starting point before each service's fee and margin.
Interbank rate updated 30 Jul 15:00 UTC (3h ago)
Calculate for your amount:
Saudi Arabia hosts the largest Egyptian worker population abroad — well over two million — making the Saudi→Egypt route the biggest bilateral slice of Egypt's ~$22.7B in received remittances. Unlike the UAE, the Saudi market runs on banks' and fintechs' remittance arms: STC Pay, Tahweel Al Rajhi and Enjaz (Bank Albilad), plus newer apps like barq. The riyal is pegged to the dollar at 3.75, but the SAR→EGP cross-rate tracks the Egyptian pound.
Sending from Saudi Arabia: how it works
In Saudi Arabia, sending runs through banks' and fintechs' remittance arms rather than walk-in exchange houses: STC Pay is a digital wallet linked to your number, while Tahweel Al Rajhi and Enjaz (Bank Albilad) pair a large branch network with an app. Funding is usually from a Saudi salary account, and the transfer is started in-app or at a bank counter. With the riyal pegged to the dollar, the cost is the provider's margin on the cross-rate, plus its fee.
Saudi remittance services are supervised by the Saudi Central Bank (SAMA), and you register with your Iqama (residence permit). Workers remitting to Egypt are large in number across Riyadh, Jeddah and the Eastern Province, often sending a regular share of a monthly salary — so the steadiest, lowest-margin channel usually wins over one-off rate promotions.
Our verdict: the best way to send Saudi Arabia to Egypt
Best for the lowest total cost to Egypt
STC Pay and Taptap Send: tight exchange-house margins and low fees often net the most received on the Gulf-to-Egypt route. Confirm the final amount in the app.
Best for speed to Vodafone Cash, InstaPay or a bank account
STC Pay, barq and Remitly's Express tier deliver within minutes, sometimes instantly — their rails are built for direct mobile-wallet deposit.
Best for large transfers and rate transparency
Wise: closest to the mid-market rate. On a large send the FX margin dominates, not the fee — and these show the smallest margin. Note: AED and SAR are USD-pegged, but the cross-rate to the destination currency still moves.
Best for cash pickup / a recipient without a wallet
Tahweel Al Rajhi and Enjaz: their dense Gulf branch networks let you send cash in-branch, with cash pickup at the destination — useful if your family member has no wallet.
Best for Egypt wallet support
STC Pay, Tahweel Al Rajhi and Enjaz are the Saudi channels best integrated with Egypt's ecosystem (Vodafone Cash, bank deposit); Taptap Send and barq deliver fast to the wallet.
In plain terms: For most people sending Saudi Arabia to Egypt to Vodafone Cash, InstaPay or a bank account, STC Pay and Taptap Send give the best balance of cost and speed; if you're moving a large sum where the exchange rate dominates, Wise; if your recipient needs cash, Tahweel Al Rajhi and Enjaz. Either way, receiving the transfer is not taxed — the only cost is the small Vodafone Cash/InstaPay or cash-out fee.
Comparing the services: fees, rates, speed & delivery
| Service | Fee model | Rate | Speed | Delivery | Best for | Official site |
|---|---|---|---|---|---|---|
| STC Pay (stc bank) | Low flat app fee; frequent promotions | Margin over mid-market, shown in-app | Instant to minutes to wallet/bank | Bank and mobile money | Saudi Arabia's leading digital wallet for low-cost sends | — |
| Tahweel Al Rajhi | Flat fee by destination; in-branch or app | Bank-set rate, margin over mid-market | Minutes to instant on major routes | Cash pickup, bank, wallet; largest Saudi branch network | Largest Saudi bank network for cash senders | — |
| Enjaz (Bank Albilad) | Flat fee; dedicated expat remittance service | Exchange-house rate, margin over mid-market | Minutes to instant | Cash pickup, bank, wallet; wide branch network | Established expat remittance service with branches | — |
| barq | Low app fee; Saudi-licensed fintech | Margin over mid-market | Minutes | Bank and mobile money | App-based low-cost sends from Saudi Arabia | — |
| Wise | Transparent percentage fee, shown upfront | Mid-market (interbank) rate | Often within ~24h | Bank deposit; some mobile money | Mid-market rate on large sums | Go to Wise → |
| Remitly | Low or zero fee by speed tier | Competitive; promo rates for new users | Instant (Express) to a few days (Economy) | Bank, cash pickup, mobile money | Flexible delivery and speed tiers | Go to Remitly → |
| Taptap Send | Small flat or percentage fee by route | Solid rates | Minutes | Bank and mobile money | Low-cost app transfers to wallets | Go to Taptap Send → |
| Western Union | Higher and variable fee | Wider rate margin | Flexible, including instant cash | Huge agent network: cash, bank, mobile | Cash pickup reach | Go to Western Union → |
Some provider links are referral links, marked sponsored. They never change the figures or the order shown.
Gulf structural difference: unlike the app-dominated US and UK markets, the Gulf market is exchange-house-dominated. Lulu and Al Ansari have both a physical (branch) and digital (app) presence — a real advantage for sending cash in-branch, and a reason their rates and local integration differ from pure apps.
Which services reach Egypt's mobile wallets
In Egypt, mobile money means Vodafone Cash, InstaPay or a bank account — the table shows what each service actually reaches: wallet, bank account or cash pickup.
| Service | Mobile money Vodafone Cash / InstaPay | Bank | Cash |
|---|---|---|---|
| STC Pay (stc bank) | ✓ | ✓ | — |
| Tahweel Al Rajhi | ✓ | ✓ | ✓ |
| Enjaz (Bank Albilad) | ✓ | ✓ | ✓ |
| barq | ✓ | ✓ | — |
| Wise | ✓ | ✓ | — |
| Remitly | ✓ | ✓ | ✓ |
| Taptap Send | ✓ | ✓ | — |
| Western Union | ✓ | ✓ | ✓ |
What your recipient actually gets in Egypt
Cash-out / withdrawal cost
Egypt is Africa's single biggest remittance route, and the Gulf is its largest source region. Transfers typically arrive instantly through Gulf exchange-house partners (Al Ansari, Al Mulla, ACE, LuLu, TapTap Send) straight to Vodafone Cash or a bank account. Receiving the remittance is not taxed. The recipient's cost is the small operator fee: Vodafone Cash charges a modest flat amount wallet-to-wallet and about 0.5% to another wallet; a cash withdrawal at an agent carries its own fee.
Receiving to a bank vs a wallet
In Egypt, your recipient most often receives into Vodafone Cash (the dominant wallet), via InstaPay (the state-backed instant bank↔wallet rail) or into a bank account. InstaPay links banks and wallets at low cost and moves funds in real time.
Keeping the money on the wallet or account to pay directly avoids the cash-out fee. This is the part the sending services' pages skip, because it depends on Egypt's ecosystem, not their product.
How to send: methods, limits & safety
Delivery methods compared
Mobile money (Vodafone Cash, InstaPay or a bank account) is usually fastest and most convenient to spend. Bank deposit suits larger sums. Cash pickup (agent) gives the widest reach but can cost more on the receive side. Choose by what your family plans to do with the money.
Transfer limits & KYC
Every service requires a verified account (photo ID + address), usually 5-15 minutes the first time. Sending caps apply per transaction and per period, and rise with your verification level. For a first large send, expect extra verification.
Other routes to Egypt
Frequently asked questions
Which app or bank is best to send to Egypt from Saudi Arabia?
How long does a transfer to Egypt take?
Is money received taxed in Egypt?
Bottom line
Bottom line: for a typical mobile-money send Saudi Arabia to Egypt, compare STC Pay and Taptap Send first on the final amount received; switch to Wise for large sums, and Tahweel Al Rajhi and Enjaz if cash pickup is needed.
We describe each service's published model (fees, rates, speed, delivery) from public information, without reproducing live quotes or marketing copy. Always check the final fee and rate in the app before sending.