Money & Currency Guide

The Saudi Riyal (SAR)

The Saudi Riyal (SAR) is the official currency of Saudi Arabia. It has been pegged to the US Dollar at a fixed rate of 3.75 SAR to 1 USD since 1986, making exchange rate calculations straightforward. Banknotes come in denominations of 5, 10, 50, 100, and 500 riyals, while coins include 1 and 2 riyal pieces as well as halala coins (100 halala equals 1 riyal).

Currency exchange offices are widely available at airports, shopping malls, and city centers. Banks generally offer competitive rates, and exchange offices in souks may negotiate on larger amounts.

ATMs & Card Payments

ATMs are abundant throughout Saudi Arabia, found in malls, airports, gas stations, and on major streets. Most accept international Visa, Mastercard, and Maestro cards. Withdrawal limits typically range from 2,000 to 5,000 SAR per transaction.

Credit and debit cards are widely accepted at hotels, restaurants, malls, and supermarkets. Contactless payments via Apple Pay, Google Pay, and mada Pay (the local payment network) are common. Smaller shops, street vendors, and traditional souks often prefer cash. cash vs. card in Saudi Arabia.

Tipping Culture

Tipping is not mandatory in Saudi Arabia but is appreciated for good service. In restaurants, 10-15% is customary if a service charge is not already included. For hotel porters, 5-10 SAR per bag is standard, and 10-20 SAR per day for housekeeping is common at upscale properties.

Taxi drivers do not generally expect tips, though rounding up the fare is common. Tour guides typically receive 50-100 SAR per day depending on the quality of the experience.

VAT & Tax Refunds

Saudi Arabia applies a 15% Value Added Tax (VAT) on most goods and services. Tourists can claim VAT refunds on eligible purchases through the Tax Free Tag scheme operated by Planet. Look for the "Tax Free" logo at participating retailers and request a tax-free form at the time of purchase.

Present your purchases, receipts, and passport at designated refund counters at international airports before departure. Minimum purchase amounts and processing fees may apply.

Daily Costs & Budgeting

Saudi Arabia offers options for every budget. A budget traveler can expect to spend around 250-400 SAR per day covering basic accommodation, local restaurants, and public transport. Mid-range travelers typically spend 600-1,000 SAR per day for 3-4 star hotels, varied dining, and activities.

• Budget meal at a local restaurant: 15-30 SAR
• Mid-range restaurant meal: 60-120 SAR
• Domestic water bottle (1.5L): 2-3 SAR
• Local transport (Uber/Careem within city): 15-40 SAR
• Budget hotel: 150-300 SAR per night
• Mid-range hotel: 400-800 SAR per night
• Luxury hotel: 1,200+ SAR per night

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