Sending money from Saudi Arabia to Jordan: the payments stack
Sending SAR 750 from Saudi Arabia to Jordan cost 7.03% of the amount on average in Q3 2025, across 12 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Jordan typically run over CliQ, JoMoPay; between now and the end of 2027 there are 4 weekdays when banks in Saudi Arabia are closed but Jordan keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 7.03% of SAR 750 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 5.27% across 9 services |
| Banks | 12.32% across 3 services |
| Collect in Saudi Arabia | sarie (Instant Payment System), SARIE (Saudi Arabian Riyal Interbank Express, RTGS) |
| Pay out in Jordan | CliQ, JoMoPay, RTGS-JO, ACH-JO |
What it costs to send SAR 750
The World Bank surveyed 12 services sending from Saudi Arabia to Jordan from 21 August 2025 to 2 September 2025. The average total cost, fees plus the FX margin, was 7.03% of the amount sent; money transfer operators averaged 5.27% and banks 12.32%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: Saudi Arabia
- No person can operate a payment system or provide payment services in the Kingdom without a SAMA licence (Law of Payments and Payment Services, Royal Decree M/26, Article 4). source
- The Implementing Regulations (13 June 2023) apply to anyone providing payment services from an establishment in the Kingdom, holding itself out as providing them there, or inviting, inducing or marketing to persons in the Kingdom. source
- A Micro PI must not provide payment services cross-border to persons outside the Kingdom and must stay under an average monthly payment value of SAR 10 million; a provider above SAR 10 million a month is a Major PI (Article 42). Money remittance, where funds are received without a payment account being created, is listed among the services that do not constitute payment services (Article 7). source
Licences, sponsor banks, collections, ramps and KYC providers: sending from Saudi Arabia.
The payout side: Jordan
| Payout partner | What it does in Jordan | Source |
|---|---|---|
| TerraPay · our guide | Its network page lists Jordan (JOD) as a receive market for bank payouts. | source |
| Thunes · our guide | Its Direct Global Network page lists Jordan for payouts to bank accounts. | source |
| dLocal · our guide | Payouts API sends JOD- or USD-funded payouts to Jordanian bank accounts by IBAN and instant wallet transfers by mobile number or alias, with wallets including Dinarak and Orange Money, for B2C, B2B and P2P flows. | source |
| Nium · our guide | Sends foreign-currency wire transfers in USD, EUR, GBP and seven other currencies to all SWIFT-enabled banks in Jordan for B2B, B2P, P2P and P2B flows, processed same day subject to a 07:30 UTC cut-off, and lists Visa Direct card payouts in JOD. | source |
| Orange Money | Orange Jordan's CBJ-licensed e-wallet sends and receives Western Union transfers in its app, in cooperation with Musharbash Exchange, crediting incoming transfers to the wallet. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Jordan: launching payments in Jordan.
Payout rails in Jordan
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| CliQ | Jordan Payments and Clearing Company (JoPACC) | Instant transfers in Jordanian dinars inside Jordan, between bank accounts and between bank accounts and mobile wallets, addressed by alias, mobile number or email; every bank in Jordan except Al Rafidain Bank is connected. | source |
| JoMoPay | Jordan Payments and Clearing Company (JoPACC) | Mobile payment switch launched in 2014 for transfers between licensed e-wallets; its 2021 upgrade to ISO 20022 enabled instant transfers between wallets and bank accounts. | source |
| RTGS-JO | Central Bank of Jordan | Real-time gross settlement in central bank money, with overdrafts prohibited, that also settles the net clearing positions of ACH, eFAWATEERcom, JoMoPay and the card switches. Participation is compulsory for all licensed banks. | source |
| ACH-JO | JoPACC, settled in RTGS-JO | From 4 January 2026 the automated clearing house runs three sessions closing at 10:30, 13:00 and 15:30, while the RTGS-JO exchange period runs 08:30 to 16:00 and the liquidity period 16:00 to 16:30. | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 4 dates when Saudi Arabia is closed and Jordan is open, the payout balance has to already hold enough to cover them. On the 4 dates when Jordan is closed, instant rails may still pay out.
| Date | Saudi Arabia | Jordan | What it means |
|---|---|---|---|
| Fri 25 Dec 2026 | Open | Christmas Day | Jordan banks closed: only always-on rails pay out |
| Fri 1 Jan 2027 | Open | New Year's Day | Jordan banks closed: only always-on rails pay out |
| Mon 22 Feb 2027 | Founding Day | Open | Prefund Jordan the day before: no funding from Saudi Arabia, payouts continue |
| Mon 8 Mar 2027 | Eid al-Fitr holiday for financial institutions (29 Ramadan) | Open | Prefund Jordan the day before: no funding from Saudi Arabia, payouts continue |
| Tue 9 Mar 2027 | Eid al-Fitr (1 Shawwal) | Eid al-Fitr (day 1) | Both closed |
| Wed 10 Mar 2027 | Eid al-Fitr (2 Shawwal) | Eid al-Fitr (day 2) | Both closed |
| Thu 11 Mar 2027 | Eid al-Fitr holiday for financial institutions (3 Shawwal) | Eid al-Fitr (day 3) | Both closed |
| Fri 12 Mar 2027 | Open | Eid al-Fitr (day 4) | Jordan banks closed: only always-on rails pay out |
| Mon 17 May 2027 | Eid al-Adha (11 Dhu al-Hijjah) | Eid al-Adha (day 2) | Both closed |
| Tue 18 May 2027 | Eid al-Adha (12 Dhu al-Hijjah) | Eid al-Adha (day 3) | Both closed |
| Wed 19 May 2027 | Eid al-Adha holiday for financial institutions (13 Dhu al-Hijjah) | Eid al-Adha (day 4) | Both closed |
| Thu 20 May 2027 | Eid al-Adha holiday for financial institutions (14 Dhu al-Hijjah) | Open | Prefund Jordan the day before: no funding from Saudi Arabia, payouts continue |
| Tue 25 May 2027 | Open | Independence Day | Jordan banks closed: only always-on rails pay out |
| Thu 23 Sep 2027 | Saudi National Day | Open | Prefund Jordan the day before: no funding from Saudi Arabia, payouts continue |
Full calendars: Saudi Arabia and Jordan. Size the buffer with the corridor runway calculator.
Funding the corridor
- Official working days for ministries, financial institutions, SAMA and the stock exchange are Sunday to Thursday, with Friday and Saturday as the weekly holiday (Royal Order of June 2013). source
- Bank remittance centres work Sunday to Thursday from 9:30 a.m. to 5:30 p.m.; Friday is a weekly holiday and Saturday is an optional working day for branches with SAMA's no-objection. source
- Jordanian banks work Sunday to Thursday, 08:00 to 15:30 local time, so Friday and Saturday are non-banking days; the CBJ's 2026 list includes Eid al-Adha (five days from 26 May) and Independence Day (25 May), with Islamic holiday dates marked as approximate. source
- From 4 January 2026 RTGS-JO accepts interbank transfers from 08:30 to 16:00, and the CliQ and JoMoPay clearing sessions close at 09:00, 13:00 and 15:15, with a commission session at 15:25. source
- CliQ runs 24/7 with a maximum of JOD 10,000 per transaction, and participating banks can set lower or daily limits. source
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in Saudi Arabia, the payout partners and banks in Jordan and any stablecoin in between. It warns before the Jordan balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from Saudi Arabia to Jordan?
The World Bank's survey put the average total cost of sending SAR 750 at 7.03% in Q3 2025, across 12 services. Money transfer operators averaged 5.27%.
Which rails pay out in Jordan?
Local payouts run over CliQ, JoMoPay, RTGS-JO, ACH-JO.
When do I need to prefund Jordan payouts ahead of holidays?
Between now and December 2027 there are 4 weekdays when Saudi Arabia is closed and Jordan is open, the first on Mon 22 Feb 2027. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Holidays and Working Hours (financial institutions and RTGS, 1447H to 1450H) · Saudi Central Bank
- SAMA announces official holidays and working hours for banks and RTGS until 2029 · Saudi Gazette
- Banks Holidays 2026 · Central Bank of Jordan
- Banks Holidays 2025 · Central Bank of Jordan
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator