Pakistan ⇆ Saudi Arabia
Spend Saudi riyals like a local, funded from home in Pakistan
WealthOS Wallet lets travelers and residents load Saudi riyals from Pakistan and spend them across the Kingdom by NFC tap, a co-badged physical card, or cardless cash-out, without carrying cash or losing money to repeat currency conversion.
The Problem
Every trip to Saudi Arabia starts with the same friction
Cash changes hands twice
Rupees are converted to riyals at a currency bureau, then carried across the border as physical cash, losing value at every step.
Cards get declined or gouged
Pakistani-issued cards routed through international rails add FX markups and are inconsistently accepted at smaller merchants and NFC terminals in the Kingdom.
No easy way to top up on arrival
Once landed, there is no simple way to reload a Saudi riyal balance directly from a Pakistani bank account without opening a new local account.
First-time travelers, underserved
Umrah and Hajj pilgrims, laborers, and first-time travelers carry the most FX risk and are served least by either country’s digital banking.
Three Ways to Pay
One SAR balance. Choose how you spend it.
Every option draws from the same wallet balance, so there’s never a need to decide which one to fund, only which one is closest at hand.
See the complete flow, legal structure included →NFC-based payments
Tap to pay directly from the WealthOS Wallet app at any NFC terminal in Saudi Arabia: no physical card required.
- ●Works on the same Mada, Visa, and Mastercard acceptance network already live across KSA
- ●Balance funded from Pakistan in PKR, held and spent as SAR
- ●No card to lose, freeze, or wait for in the mail
Co-badged physical card
A physical card issued with a partner bank, co-badged for acceptance on both Pakistani and Saudi rails.
- ●For travelers without an NFC-capable phone
- ●For merchants that still require a swipe or chip
- ●Draws from the same balance as the app: no separate top-up
Cardless cash-out
Withdraw Saudi riyal cash through a partner agent network using a one-time code generated in the app: no card, no PIN pad.
- ●Built for markets, labor camps, and pilgrimage sites where card acceptance is thin
- ●Same compliance and audit trail as every other WealthOS Wallet transaction
- ●Cash out only what’s needed, when it’s needed
Start to Finish
From a Pakistani bank account to a tap in Riyadh
Fund from Pakistan
Load PKR from a Pakistani bank account, card, or mobile wallet.
Convert to SAR
Funds convert to Saudi riyal at a transparent, published rate: no hidden spread.
Choose how to spend
Tap to pay by NFC, use the co-badged card, or generate a cash-out code.
Track every riyal
Real-time balance, transaction history, and remaining budget in the app.
Built on Regulated Rails
Issued and moved through licensed partners on both sides of the corridor
WealthOS Wallet is not a bank: funds are held and issued by regulated partners in Pakistan and Saudi Arabia. It runs on WealthOS Connect, the same account connectivity, payment initiation, and FX infrastructure that powers every other WealthOS product, with the Saudi leg of every transaction aligned to SAMA's Open Banking direction.
Get Early Access
Be first in line when WealthOS Wallet opens
We're onboarding travelers, pilgrims, and Pakistani residents in Saudi Arabia ahead of launch. Book a call to get early access, or to talk about a partnership.
Get early access