Enjaz is a Saudi transfer and payments service run by Enjaz Payment Services Company, which its website describes as operating “under the supervision and control of the Saudi Central Bank as a fintech service provider”. Bank Albilad lists Enjaz Payment Services Company among its group companies, which is why many people still call it “Bank Albilad Enjaz”.
You can send from the Enjaz Pay app, Enjaz branches, self-service machines, points of sale or Bank Albilad ATMs, to a bank account, a cash pickup point or a digital wallet. Below: the services, the fee ranges Enjaz publishes, limits, delivery and what to compare.
Who runs Enjaz now
Enjaz’s site names the provider as Enjaz Payment Services Company, a Saudi closed joint stock company. In 2022 the Saudi Central Bank (SAMA) announced the licensing of Enjaz Payments Services Company to provide an electronic wallet service. Enjaz’s terms say its wallet services are provided by that company, licensed by the Saudi Central Bank. Bank Albilad’s 2024 annual report says the bank owns 99% of the company, with the other 1% held through its own wholly owned subsidiary.
In practice, the company named in the terms you accept in the app is the one you deal with.
How to send with Enjaz
- The Enjaz Pay app, from your phone.
- Enjaz branches, self-service machines and points of sale.
- Bank Albilad ATMs.
Enjaz lists four transfer services: Enjaz Easy, Western Union, Transfast and SWIFT. Recipients can be paid by cash pickup, into a bank account or to a digital wallet. Enjaz’s September 2025 post credits its Western Union partnership with more than 200 countries and territories, and Bank Albilad says Enjaz services (Enjaz Easy, Western Union, Transfast and SWIFT) reach around 200 countries. Neither says which countries each service covers, though Enjaz’s transfers page puts Egypt, Pakistan, the Philippines and India up front. Check that your country and payout method are offered before you start.
Enjaz fees
Enjaz says its transfer fees “can start from 0 and vary by corridor based on the destination country and method used”. Its fees page publishes these ranges for Enjaz Easy, Transfast and SWIFT, in Saudi riyals and excluding VAT:
| Channel | Enjaz Easy, Transfast and SWIFT |
|---|---|
| Enjaz app | SAR 0 to 50 |
| Enjaz branches | SAR 0 to 75 |
That page covers Enjaz Easy, Transfast and SWIFT only. Western Union has separate lines in the fee table in Enjaz’s terms, so check its fee in the app. The exact fee for your transfer appears in the app before you confirm.
Exchange rate, limits and delivery
Enjaz applies its own exchange rate, shown with the fee before you confirm; GulfSend does not publish it. The bigger difference between providers is often the rate margin rather than the fee:
Limits: Enjaz’s terms say the limits that apply to you are displayed in the app.
Delivery: Enjaz describes sending “in real-time”, and says a digital wallet recipient “receives the transferred amount instantly”. Its terms also say it is not liable for delays caused by correspondent banks, intermediaries or regulatory restrictions beyond its control, and that if funds are not delivered within 45 days you may request a refund, subject to applicable fees and deductions. We found no published time for how long a refund takes.
If you bank with Bank Albilad
Bank Albilad also offers these transfers to its own customers online, delivered through Enjaz Payment Services Company. You need a Bank Albilad current account and a registration for Albilad Net, then you can send from Albilad Net or the Albilad app. Bank Albilad’s page lists Enjaz Easy and Western Union as instant transfers, Transfast as instant to India and Ethiopia (and not available in the Albilad app), and SWIFT as taking 1 to 3 days to reach the beneficiary.
Neither Enjaz nor Bank Albilad publishes a delivery time per country.
If something goes wrong
Enjaz’s terms say that if funds are not delivered to the intended beneficiary within 45 days you may request a refund, “subject to applicable fees and deductions”. A transfer sent to the wrong beneficiary because of user error, such as incorrect beneficiary details, “shall not be refunded”, although Enjaz may help trace the funds on a best-efforts basis. Check the recipient’s name and account details twice before you confirm.
To raise a problem, Enjaz’s terms give 8005000300 as its customer contact number, and say unauthorised or erroneous transactions must be reported through Enjaz’s official channels immediately on discovery and in any case within three business days.
When Enjaz can suit you
Enjaz’s strengths are its channels inside Saudi Arabia, including branches and ATMs, and its choice of transfer services and payout methods, including cash pickup. On busy corridors other licensed Saudi services also compete, so compare the amount that arrives in each app. Our Saudi transfer calculator converts at the mid-market reference rate and does not show provider quotes.