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How to Send Money from Saudi Arabia to the Philippines

By Last reviewed 8 October 2026

If your recipient wants the money in GCash, check that option before choosing a sender in Saudi Arabia. GCash publishes a Saudi partner list, but a partner name does not mean every app or branch offers the same route. If bank deposit or cash pickup is more convenient, ask for that specific service and a Philippine-peso quote.

Sending to GCash from Saudi Arabia

GCash’s Saudi list names Homesend, MoneyGram, Perahub, Ria, Ria Money, Saudi Arabia British Bank, Skrill, Terrapay, Thunes and Western Union.

STC Pay, Al Rajhi and Enjaz are not named in that list. This does not rule out delivery through a partner: ask the sender whether it offers GCash for your recipient. The selected payout method should say GCash before you pay.

If the recipient prefers a bank or cash

Ask for the bank-deposit route or a collection point the recipient can reach. Confirm which recipient details or identification are needed and the expected arrival or collection time. A GCash partner listing says nothing about the price or timing of these alternatives.

Fees to check alongside the peso rate

  • STC Bank lists SAR 15 before VAT for Western Union transfers to the Philippines. Do not assume this is the fee for a GCash payout or another STC product.
  • Al Rajhi caps electronic outbound international transfer fees at SAR 50, or SAR 75 at a branch, excluding 15% VAT. The tariff, effective 20 February 2026, is a ceiling rather than a Philippine quote.
  • Enjaz publishes app fees of SAR 0–50 and branch fees of SAR 0–75, before VAT, for Enjaz Easy, Transfast and SWIFT. Western Union is separate; ask which service and fee apply to the requested payout.
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 like-for-like PHP offers

Keep the receiving method the same: compare a GCash quote with another GCash quote, not an unspecified bank deposit. Record the total SAR debit, the displayed PHP estimate and any potential recipient-side deductions. Ask separately about arrival time.

For context, the Saudi reference calculator converts at a market rate. It does not provide a live GCash or remittance-provider quote.

Frequently asked questions

Does GCash list Saudi remittance partners?

Yes. Its Saudi list includes Western Union, MoneyGram, Ria and other named partners. Confirm that your chosen sender currently offers GCash for the recipient and select it explicitly as the payout method.

Does the absence of STC Pay or Enjaz mean GCash is unavailable?

No. Their names are absent from GCash’s Saudi list, but a service may use a partner. Get confirmation from the sender rather than treating the list as a definitive rejection.

Does STC Bank’s SAR 15 fee cover a GCash transfer?

The published SAR 15 fee before VAT is for Western Union transfers to the Philippines. It does not by itself confirm a GCash route or its charge; check the actual payout option and quote.

Sources

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