Saudi Arabia Money Guide - Currency, Cards & Budgeting

Everything about money in Saudi Arabia: currency exchange, credit cards, ATMs, tipping culture, and realistic budget planning for your trip.

Key Takeaways

  • The Saudi Riyal (SAR) is pegged to USD at 3.75 — exchange rates are stable and predictable
  • Cards are accepted almost everywhere in cities — carry SAR 500 cash for rural areas and tips
  • ATM withdrawals with foreign cards incur SAR 7-15 fees — use Al Rajhi or SNB for best rates
  • Tipping: SAR 5-10 at restaurants, SAR 2-5 for baggage, round up for taxi rides
  • VAT is 15% and included in displayed prices — tourists cannot reclaim VAT on purchases