Understanding the official Remittance Limits in Saudi Arabia is essential for expatriates planning high-value money transfers back home to Pakistan, India, Bangladesh, or the Philippines. Regulated by the Saudi Central Bank (SAMA), individual financial institutions and digital wallet providers enforce specific daily and monthly transfer thresholds to comply with international banking rules. This guide breaks down the maximum transfer limits across major Saudi remittance platforms in 2026
Why Saudi Central Bank (SAMA) Imposes Remittance Limits
Remittance caps are designed to maintain financial stability and ensure strict anti-money laundering (AML) compliance:
- Security Verification: Tiered transfer caps protect user account balances against unauthorized access and digital fraud.
- Account Tier Structure: Limits are linked directly to your salary, verified income disclosures, and account KYC verification levels.
- Systemic Liquidity Rules: Standard daily thresholds prevent sudden liquidity spikes across cross-border settlement rails.
1. STC Pay Remittance Limits
STC Pay provides flexible transfer options depending on account status and verification level:
- Monthly Transfer Limit: Standard verified accounts feature a rolling monthly ceiling of SAR 20,000 across all outgoing services (local and international).
- Single Transaction Limit: Individual overseas transfers via Western Union or direct bank deposit are generally capped at SAR 10,000 per transaction.
2. Urpay Remittance Limits
Urpay, powered by Neoleap and backed by Al Rajhi, offers high transaction caps for digital remittances:
- Monthly Total Limit: Verified Urpay users enjoy a maximum monthly spending and remittance cap of SAR 20,000.
- Per-Transaction Limit: Users can send up to SAR 10,000 in a single international transfer, depending on recipient bank limits in destination countries.
3. Mobily Pay Remittance Limits
Mobily Pay caters to mobile-first remittance transfers with structured tiers:
- Standard Monthly Ceiling: Up to SAR 20,000 per calendar month.
- Daily Cap: Up to SAR 10,000 per day for international transfers sent via MoneyGram or direct account deposit channels.
4. Tahweel Al Rajhi and Commercial Bank Limits
Traditional bank accounts offer significantly higher transfer limits compared to digital mobile wallets:
- Al Rajhi Mobile / Online Banking: Standard retail bank accounts allow daily international transfer limits ranging from SAR 20,000 to SAR 50,000, depending on customer segment classification.
- Tahweel Al Rajhi Branches: Over-the-counter transfers at physical centers support higher limits subject to income verification documents.
How to Increase Your Remittance Limits in Saudi Arabia
If you need to send funds exceeding standard digital wallet limits:
- Update KYC & Income Profile: Upload your updated salary certificate or employment contract directly inside your banking app.
- Use Regulated Bank Accounts: Transfer funds through primary commercial bank accounts (Al Rajhi, SNB, or Alinma) which offer higher daily thresholds.
- Split High-Value Transactions: Execute transfers over two consecutive rolling 24-hour windows or calendar months.
Check daily currency conversion rates and remittance updates across Saudi Arabia on RiyalGhar before scheduling your next overseas transfer.
Frequently Asked Questions (FAQs)
What is the maximum limit for sending money out of Saudi Arabia?
Most digital wallets enforce a strict rolling cap of SAR 20,000 per month. Commercial bank accounts allow higher daily transactions provided funds match verified income levels.
Do transfer limits reset at the beginning of each calendar month?
Digital wallet limits generally reset on a 30-day rolling cycle or on the 1st of each calendar month, depending on the platform’s terms of service.
Can I use two different wallet apps to bypass the SAR 20,000 limit?
While individual apps maintain separate limits, SAMA anti-money laundering automated systems monitor total aggregate financial outflows tied to your Iqama number across all registered accounts.
