Money, Cards and Riyals
Short answer: Carry some Saudi riyals in cash and use your ATM or debit card for the rest. Activate international use on your card before you travel. Most shops in Saudi Arabia accept card or mobile payments.
At a glance
- Currency: Saudi riyal
- Cash: some for taxis, small shops and your first needs
- Cards: accepted in most shops, hotels and supermarkets
- ATMs: around the Haram and in shopping malls
- Safety: don’t keep all your money in one place; split it
Step-by-step guide
- Activate your card: before you travel, ask your bank’s helpline to enable international cash withdrawals and purchases.
- Buy riyals in Pakistan: buy some riyals from an authorised money exchange before you leave.
- Set a budget: estimate food, laundry, taxis, ziyarat and shopping, and set the money aside.
- Split your money: some in your pocket, some in the hotel safe, and your card somewhere else.
- Use ATMs wisely: withdraw in daytime, in a busy place, from a bank’s own machine.
Do
- Save your bank’s helpline number so you can block a lost card at once.
- Check the receipt or SMS after paying.
- Don’t keep all your money in one wallet.
Don’t
- Never give your card or PIN to anyone, even if they offer to help.
- Don’t change money with street money-changers.
- Don’t keep your wallet in a back pocket in crowds.
Common mistakes
- Not activating international use and finding the card doesn’t work there.
- Carrying all your money in cash and having nothing left if it’s lost.
- Not allowing for ATM fees and exchange rates.
Frequently asked questions
How much money should I take? It depends on your package and length of stay. The “Leaving Home for the Airport” page gives an estimate for a one-month package.
Can I change Pakistani rupees there? Some exchanges change rupees, but the rate is poor. It’s better to take riyals from Pakistan.
What if I lose my card? Call your bank’s helpline at once to block it. Details are on the “What if I lose my phone or money?” page.