Sending to Pakistan through STC Bank’s Western Union service? Its transfer fee changes at SAR 375: no transfer fee at or above that amount, and SAR 15 below it, before VAT. That is a fee waiver, not a promise of the lowest total cost. Check the rupee exchange rate and choose a delivery method your recipient can use.
What the SAR 375 threshold means
STC Bank’s Western Union fee table lists Pakistan separately from its standard SAR 15 destinations. Check which side of the threshold your transfer falls on and what the final debit includes. Do not assume the waiver applies to every STC product.
A fee-free transfer can still have a different exchange rate from another offer. Compare quotes for the same total spend in riyals, including any tax, and ask whether deductions could reduce the displayed rupee estimate.
Al Rajhi and Enjaz: ceilings are not quotes
| Service | Fee basis |
|---|---|
| Tahweel Al Rajhi | Maximum outbound fee: SAR 50 electronically or SAR 75 at a branch, excluding 15% VAT; effective 20 February 2026. Not a Pakistan-specific price. |
| Enjaz | Enjaz Easy, Transfast and SWIFT: SAR 0–50 by app or SAR 0–75 at a branch, excluding VAT. These ranges do not cover Western Union. Ask for the Pakistan quote and payout method. |
Bank account, cash or a Pakistani wallet?
STC Bank and Enjaz describe bank deposits, cash pickup and wallets among their services, but their general lists do not confirm JazzCash, Easypaisa or Raast for this transfer. If a wallet is essential, ask for it by name before paying.
Get the recipient’s required details directly from their bank or wallet. For a cash transfer, confirm where the recipient will collect it and which identification the collection point accepts.
If the money is needed by a particular day
Ask when your chosen bank or wallet should receive the payment, or when cash will be ready to collect. STC Bank advertises international transfers as instant; that general wording is not a Pakistan-specific delivery guarantee.
Use the Saudi transfer calculator for a market-rate reference, then request the provider’s own PKR quote. It does not rank live provider offers.