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How to Send Money from Saudi Arabia to the Philippines

By the GulfSend teamLast reviewed 16 July 2026

We cover money transfers across the Gulf — from the UAE and Saudi Arabia — and explain the options as they are, not as they're marketed.

The Philippines is a major transfer destination from Saudi Arabia, with a large Filipino workforce. Receiving is among the easiest thanks to e-wallets. Here are the ways to send money from Saudi Arabia to the Philippines, how it's delivered, and how to pick the cheapest.

Ways to send from Saudi Arabia to the Philippines

  • Payment wallets like STC Pay — from the app to a GCash wallet or a bank account, often within minutes.
  • Tahweel Al Rajhi and Enjaz — via branches and apps, with cash and bank payout.
  • Saudi banks — an international transfer from the app; usually the slowest and most expensive.

How the money arrives in the Philippines

It lands in a GCash wallet (the most widely used), a bank account over InstaPay or PESONet, or as cash pickup from partner branches. The instant rails run around the clock.

Fees, rate and which is cheapest

Every provider has its own fee, and the bigger difference is usually the exchange-rate margin:

Where the real cost of a transfer hidesTotal cost of sending moneyUpfront feethe part you seeExchange-rate marginthe hidden part
Illustrative proportions. Two services can both advertise “no fees” — the one with the weaker exchange rate still costs you more. Always compare the amount that actually reaches the recipient.

Compare the fee and exchange rate together, and judge the pesos that arrive. Our indicative Saudi comparison gives a quick ranking on the live mid-market rate.

Frequently asked questions

Can I send to GCash from Saudi Arabia?

Yes — wallets like STC Pay and several Saudi services deliver straight into a recipient's GCash wallet from their registered mobile number, usually within minutes.

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

It changes by day. Wallets are often cheapest and fastest to GCash, but Tahweel Al Rajhi or Enjaz sometimes win. Compare the amount that actually arrives.

How long does a transfer from Saudi Arabia to the Philippines take?

To GCash or over InstaPay it's often within minutes. A traditional bank wire is slower and can be delayed by Saudi Arabia's Friday–Saturday weekend.

Sources