Remittance · الحوالات

SAR to Pakistani Rupee (PKR) - Live Rate & Provider Comparison

Convert Saudi Arabia riyals to Pakistani Rupee at the live mid-market rate, then see what each major Saudi Arabia remittance provider would actually deliver after their spread.

Last reviewed 27 April 2026·Source: open.er-api.com (mid-market rates, daily)
1 SAR = … PKR (loading)

What you'd actually receive - by provider

Approximate spreads typical for SAR→PKR corridor. Real rates fluctuate; check each provider's app/website at the moment you send.

ProviderApprox spreadYou'd receiveNotes
Saudi Arabia Exchange+0.7%Rs 75,468Bank deposit + cash pickup nationwide. Roshan Digital Account compatible.
LuLu Exchange+0.6%Rs 75,544Easypaisa + JazzCash mobile-wallet delivery; strong for unbanked recipients.
Wise+0.5%Rs 75,620Pakistani Rupee transfers via partner bank in Karachi. Lower fees, slower delivery (1-2 days).
Western Union+2.2%Rs 74,328Cash pickup network is Pakistan's most extensive but spreads are highest.
Bank wire+3.0%Rs 73,720ENBD, ADCB, Mashreq - typically 2.5-4% spread plus SAR 100-150 flat fee. Avoid.
Indicative figures. Spreads are typical 2024-2026 averages and vary by send amount, day of week, and corridor demand. Check each provider's quote at send time. Affiliate disclosure: KSACalc has no affiliate relationships with the providers listed at time of writing - rankings are based on observed corridor performance only.
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How SAR→PKR pricing actually works

Every remittance provider quotes you a rate that includes their spread over the wholesale "mid-market" rate (the price banks trade with each other at). The mid-market is what Google, XE, and our calculator above show. The retail rate you actually receive is always lower.

For the SAR→PKR corridor specifically: spreads from Saudi Arabia-based exchange houses (Saudi Arabia Exchange, LuLu) typically run 0.4-1.0% above mid-market. App-based services like Wise can match or beat that. Bank wires are usually 2-4% above mid-market plus a flat fee - almost never the cheapest option even if your bank says "no fee" (the spread is the fee).

Worked example

Sending SAR 1000 when the mid-market rate is roughly 76 PKR per SAR (≈ 76000 PKR fair value):

  • Best-case (Wise / lowest-spread house): you'd typically receive ~75620 PKR
  • Mid-tier (Saudi Arabia Exchange / LuLu): you'd receive ~75392 PKR
  • Bank wire: you'd receive ~73720 PKR - about 1900 PKR less than the best option

On a monthly remittance of SAR 1000, the gap between best and worst providers is around 22800 PKR per year. Over five years, several thousand riyals.

Pakistan-specific context

Pakistan's 'Roshan Digital Account' programme (launched 2020) gives Pakistani diaspora preferential rates and tax benefits when sending via SBP-approved channels. Worth checking if your bank participates before defaulting to a non-bank exchange house.

Frequently asked questions

What's the difference between the mid-market rate and what I receive?
The mid-market rate is the wholesale price banks trade currencies at. Every retail provider - exchange house, bank, app - adds a margin (the "spread") on top. That spread is how they make money. Our calculator shows the mid-market; provider rates are always slightly worse.
Which provider is cheapest for SAR→PKR?
For most send amounts on the SAR→PKR corridor, app-based services (Wise, LuLu mobile app) and major Saudi Arabia exchange houses (Saudi Arabia Exchange) are within 0.5% of each other. Bank wires are consistently the most expensive. The exact best provider on a given day varies - always compare quotes at send time.
Is sending more at once cheaper?
Usually marginally yes. Most providers have flat fees that disappear as a percentage when amounts are larger. Spreads themselves don't typically improve with size below the SAR 50,000 threshold. Above that, banks may offer negotiated rates.
Why is my actual rate different from what's shown here?
Three reasons: (1) the live rate updates daily; intraday moves can shift it 0.3-1%, (2) provider spreads vary by day, send amount, and delivery method, (3) some providers quote you the "guaranteed" rate held for an hour, which is slightly worse than the live mid-market.
Are these affiliate links?
No. As of April 2026, KSACalc has no paid affiliate or referral arrangements with any provider listed. Rankings are based on observed corridor performance and the providers' published spread ranges. We may disclose affiliate relationships in the future if added; until then, comparisons are independent.

Reference only. This calculator shows live mid-market rates and indicative provider spreads. Your actual cost depends on your provider, send amount, payment method, delivery channel, and timing. Always verify the final quote in the provider's app before confirming a transfer.