Saudi Arabia

The following tables show how much it costs to remit money from Saudi Arabia to

- Bangladesh
- Egypt
- India
- Jordan
- Pakistan
- Philippines
- Yemen

Note: Corridor averages are unweighted and do not reflect the market shares of the different firms that compose the average. For comparability purposes, the two initial USD reference amounts of $200 and $500 were kept. In the third quarter of 2009, the amounts in local currency were adjusted in order to reflect foreign exchange fluctuations.

How much does it cost to remit?

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Remitting from Saudi Arabia to Bangladesh

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in SAR | USD

7501870

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	15.00	0.60	2.60	19.50	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	22.00	0.60	3.53	26.48	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	15.00	1.91	3.91	29.32	2 days	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	25.00	1.26	4.59	34.42	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	25.00	1.75	5.08	38.10	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	25.00	1.75	5.08	38.10	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	15.00	3.66	5.66	42.45	2 days	Nationwide	Sep 27, 2009
Bank Average		21.67	2.22	5.11	38.33
MTO Average		19.25	1.22	3.78	28.35
Total Average		20.29	1.65	4.35	32.62
Total Average in First Quarter 2009		20.33	0.13	2.84	21.30

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	15.00	0.60	1.40	26.18	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	22.00	0.60	1.78	33.29	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	25.00	1.26	2.59	48.43	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	15.00	1.91	2.71	50.68	2 days	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	25.00	1.75	3.09	57.78	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	25.00	1.75	3.09	57.78	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	15.00	3.66	4.46	83.40	2 days	Nationwide	Sep 27, 2009
Bank Average		21.67	2.22	3.38	63.21
MTO Average		19.25	1.22	2.25	42.08
Total Average		20.29	1.65	2.73	51.05
Total Average in First Quarter 2009		20.33	0.13	1.22	22.81

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	4.00	0.60	2.60	5.20	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	5.87	0.60	3.53	7.06	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	4.00	1.91	3.91	7.82	2 days	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	6.67	1.26	4.59	9.18	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	6.67	1.75	5.08	10.16	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	6.67	1.75	5.08	10.16	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	4.00	3.66	5.66	11.32	2 days	Nationwide	Sep 27, 2009
Bank Average		5.78	2.22	5.11	10.22
MTO Average		5.13	1.22	3.78	7.56
Total Average		5.41	1.65	4.35	8.70
Total Average in First Quarter 2009		5.42	0.13	2.84	5.68

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	4.01	0.60	1.40	7.00	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	5.88	0.60	1.78	8.90	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	6.68	1.26	2.59	12.95	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	4.01	1.91	2.71	13.55	2 days	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	6.68	1.75	3.09	15.45	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	6.68	1.75	3.09	15.45	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	4.01	3.66	4.46	22.30	2 days	Nationwide	Sep 27, 2009
Bank Average		5.79	2.22	3.38	16.90
MTO Average		5.15	1.22	2.25	11.25
Total Average		5.42	1.65	2.73	13.65
Total Average in First Quarter 2009		5.42	0.13	1.22	6.10

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	16.00	-0.17	1.96	14.70	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	16.00	0.00	2.13	15.98	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	15.00	0.21	2.21	16.58	Next day	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	25.00	0.00	3.33	24.98	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	25.00	0.21	3.54	26.55	Less than one hour	Nationwide	Mar 02, 2009
Express Money	MTO	25.00	0.54	3.87	29.02	2 days	Nationwide	Mar 02, 2009
Bank Average		19.00	-0.06	2.48	18.60
MTO Average		21.67	0.32	3.21	24.08
Total Average		20.33	0.13	2.84	21.30
Total Average in 2008		19.50	2.49	5.09	38.17

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	16.00	-0.17	0.68	12.75	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	16.00	0.00	0.85	15.94	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	15.00	0.21	1.01	18.94	Next day	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	25.00	0.00	1.33	24.94	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	25.00	0.21	1.54	28.88	Less than one hour	Nationwide	Mar 02, 2009
Express Money	MTO	25.00	0.54	1.87	35.06	2 days	Nationwide	Mar 02, 2009
Bank Average		19.00	-0.06	0.96	18.00
MTO Average		21.67	0.32	1.47	27.56
Total Average		20.33	0.13	1.22	22.88
Total Average in 2008		19.50	2.49	3.53	66.19

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	4.27	-0.17	1.96	3.92	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	4.27	0.00	2.13	4.26	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	4.00	0.21	2.21	4.42	Next day	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	6.67	0.00	3.33	6.66	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	6.67	0.21	3.54	7.08	Less than one hour	Nationwide	Mar 02, 2009
Express Money	MTO	6.67	0.54	3.87	7.74	2 days	Nationwide	Mar 02, 2009
Bank Average		5.07	-0.06	2.48	4.96
MTO Average		5.78	0.32	3.21	6.42
Total Average		5.42	0.13	2.84	5.68
Total Average in 2008		5.20	2.49	5.09	10.18

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	4.27	-0.17	0.68	3.40	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	4.27	0.00	0.85	4.25	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	4.00	0.21	1.01	5.05	Next day	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	6.67	0.00	1.33	6.65	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	6.67	0.21	1.54	7.70	Less than one hour	Nationwide	Mar 02, 2009
Express Money	MTO	6.67	0.54	1.87	9.35	2 days	Nationwide	Mar 02, 2009
Bank Average		5.07	-0.06	0.96	4.80
MTO Average		5.78	0.32	1.47	7.35
Total Average		5.42	0.13	1.22	6.10
Total Average in 2008		5.20	2.49	3.53	17.65

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	16.00	1.27	3.40	25.50	1 day	-	Jun 03, 2008
Al-Rajhi Bank	Bank	16.00	2.24	4.37	32.78	2 days	-	Jun 03, 2008
Enjaz Bank	Bank	16.00	2.83	4.96	37.20	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	19.00	2.88	5.41	40.58	2 days	-	Jun 03, 2008
Western Union	MTO	25.00	2.83	6.16	46.20	Instant	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	25.00	2.88	6.21	46.58	1 day	-	Jun 03, 2008
Bank Average		19.00	2.71	5.24	39.30
MTO Average		20.50	2.05	4.78	35.85
Total Average		19.50	2.49	5.09	38.17
First Quarter 2009		20.33	0.13	2.84	21.30

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	16.00	1.27	2.12	39.75	1 day	-	Jun 03, 2008
Al-Rajhi Bank	Bank	16.00	2.24	3.09	57.94	2 days	-	Jun 03, 2008
Enjaz Bank	Bank	16.00	2.83	3.68	69.00	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	19.00	2.88	3.89	72.94	2 days	-	Jun 03, 2008
Western Union	MTO	25.00	2.83	4.16	78.00	Instant	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	25.00	2.88	4.21	78.94	1 day	-	Jun 03, 2008
Bank Average		19.00	2.71	3.72	69.75
MTO Average		20.50	2.05	3.14	58.88
Total Average		19.50	2.49	3.53	66.19
First Quarter 2009		20.33	0.13	1.22	22.88

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	4.27	1.27	3.40	6.80	1 day	-	Jun 03, 2008
Al-Rajhi Bank	Bank	4.27	2.24	4.37	8.74	2 days	-	Jun 03, 2008
Enjaz Bank	Bank	4.27	2.83	4.96	9.92	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	5.07	2.88	5.41	10.82	2 days	-	Jun 03, 2008
Western Union	MTO	6.67	2.83	6.16	12.32	Instant	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	6.67	2.88	6.21	12.42	1 day	-	Jun 03, 2008
Bank Average		5.07	2.71	5.24	10.48
MTO Average		5.47	2.05	4.78	9.56
Total Average		5.20	2.49	5.09	10.18
First Quarter 2009		5.42	0.13	2.84	5.68

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	4.27	1.27	2.12	10.60	1 day	-	Jun 03, 2008
Al-Rajhi Bank	Bank	4.27	2.24	3.09	15.45	2 days	-	Jun 03, 2008
Enjaz Bank	Bank	4.27	2.83	3.68	18.40	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	5.07	2.88	3.89	19.45	2 days	-	Jun 03, 2008
Western Union	MTO	6.67	2.83	4.16	20.80	Instant	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	6.67	2.88	4.21	21.05	1 day	-	Jun 03, 2008
Bank Average		5.07	2.71	3.72	18.60
MTO Average		5.47	2.05	3.14	15.70
Total Average		5.20	2.49	3.53	17.65
First Quarter 2009		5.42	0.13	1.22	6.10

Remitting from Saudi Arabia to Egypt

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in SAR | USD

7501870

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	10.00	1.02	2.36	17.70	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	30.00	0.00	4.00	30.00	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	10.00	3.70	5.04	37.80	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	25.00	1.84	5.17	38.78	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	35.00	0.64	5.30	39.75	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	20.00	3.70	6.37	47.78	2 days	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	20.00	5.93	8.60	64.50	2 days	Nationwide	Sep 27, 2009
Bank Average		13.33	3.55	5.33	39.98
MTO Average		27.50	1.55	5.21	39.08
Total Average		21.43	2.41	5.26	39.45
Total Average in First Quarter 2009		24.50	2.13	5.40	40.50

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
MoneyGram	MTO	30.00	0.00	1.60	29.92	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	20.00	1.02	2.09	39.08	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	35.00	0.64	2.51	46.94	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	25.00	1.84	3.18	59.47	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	20.00	3.70	4.77	89.20	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	20.00	3.70	4.77	89.20	2 days	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	20.00	5.93	7.00	130.90	2 days	Nationwide	Sep 27, 2009
Bank Average		20.00	3.55	4.62	86.39
MTO Average		27.50	1.55	3.02	56.47
Total Average		24.29	2.41	3.70	69.19
Total Average in First Quarter 2009		24.50	2.13	3.44	64.33

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	2.67	1.02	2.36	4.72	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	8.00	0.00	4.00	8.00	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	2.67	3.70	5.04	10.08	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	6.67	1.84	5.17	10.34	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	9.33	0.64	5.30	10.60	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	29.00	3.70	6.37	12.74	2 days	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	5.33	5.93	8.60	17.20	2 days	Nationwide	Sep 27, 2009
Bank Average		3.56	3.55	5.33	10.66
MTO Average		13.25	1.55	5.21	10.42
Total Average		9.10	2.41	5.26	10.52
Total Average in First Quarter 2009		6.53	2.13	5.40	10.80

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
MoneyGram	MTO	8.02	0.00	1.60	8.00	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	5.35	1.02	2.09	10.45	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	9.36	0.64	2.51	12.55	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	6.68	1.84	3.18	15.90	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	5.35	3.70	4.77	23.85	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	29.00	3.70	4.77	23.85	2 days	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	5.35	5.93	7.00	35.00	2 days	Nationwide	Sep 27, 2009
Bank Average		5.35	3.55	4.62	23.10
MTO Average		13.27	1.55	3.02	15.10
Total Average		9.87	2.41	3.70	18.50
Total Average in First Quarter 2009		6.53	2.13	3.44	17.20

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Express Money	MTO	20.00	-0.28	2.38	17.85	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	20.00	1.89	4.56	34.20	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	35.00	0.24	4.91	36.83	Less than one hour	Urban only	Mar 02, 2009
TeleMoney	MTO	30.00	1.23	5.23	39.22	Less than one hour	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	22.00	4.52	7.46	55.95	3-5 days	Nationwide	Mar 02, 2009
Enjaz Bank	Bank	20.00	5.18	7.85	58.88	2 days	Nationwide	Mar 02, 2009
Bank Average		20.67	3.87	6.62	49.65
MTO Average		28.33	0.40	4.18	31.35
Total Average		24.50	2.13	5.40	40.50
Total Average in 2008		22.50	2.47	5.47	41.02

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Express Money	MTO	20.00	-0.28	0.78	14.62	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	35.00	0.24	2.11	39.56	Less than one hour	Urban only	Mar 02, 2009
TeleMoney	MTO	30.00	1.23	2.83	53.06	Less than one hour	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	20.00	1.89	2.96	55.50	2 days	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	22.00	4.52	5.70	106.88	3-5 days	Nationwide	Mar 02, 2009
Enjaz Bank	Bank	20.00	5.18	6.25	117.19	2 days	Nationwide	Mar 02, 2009
Bank Average		20.67	3.87	4.97	93.19
MTO Average		28.33	0.40	1.91	35.81
Total Average		24.50	2.13	3.44	64.50
Total Average in 2008		22.50	2.47	3.67	68.81

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Express Money	MTO	5.33	-0.28	2.38	4.76	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	5.33	1.89	4.56	9.12	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	9.33	0.24	4.91	9.82	Less than one hour	Urban only	Mar 02, 2009
TeleMoney	MTO	8.00	1.23	5.23	10.46	Less than one hour	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	5.87	4.52	7.46	14.92	3-5 days	Nationwide	Mar 02, 2009
Enjaz Bank	Bank	5.33	5.18	7.85	15.70	2 days	Nationwide	Mar 02, 2009
Bank Average		5.51	3.87	6.62	13.24
MTO Average		7.56	0.40	4.18	8.36
Total Average		6.53	2.13	5.40	10.80
Total Average in 2008		6.00	2.47	5.47	10.94

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Express Money	MTO	5.33	-0.28	0.78	3.90	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	9.33	0.24	2.11	10.55	Less than one hour	Urban only	Mar 02, 2009
TeleMoney	MTO	8.00	1.23	2.83	14.15	Less than one hour	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	5.33	1.89	2.96	14.80	2 days	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	5.87	4.52	5.70	28.50	3-5 days	Nationwide	Mar 02, 2009
Enjaz Bank	Bank	5.33	5.18	6.25	31.25	2 days	Nationwide	Mar 02, 2009
Bank Average		5.51	3.87	4.97	24.85
MTO Average		7.56	0.40	1.91	9.55
Total Average		6.53	2.13	3.44	17.20
Total Average in 2008		6.00	2.47	3.67	18.35

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	25.00	1.77	5.10	38.25	3 days	-	Jun 05, 2008
Western Union	MTO	20.00	2.46	5.13	38.48	Instant	-	Jun 05, 2008
TeleMoney	MTO	20.00	2.71	5.38	40.35	Instant	-	Jun 05, 2008
Al-Rajhi Bank	Bank	25.00	2.93	6.26	46.95	2 days	-	Jun 05, 2008
Bank Average		25.00	2.35	5.68	42.60
MTO Average		20.00	2.59	5.25	39.38
Total Average		22.50	2.47	5.47	41.02
First Quarter 2009		24.50	2.13	5.40	40.50

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	25.00	1.77	3.10	58.12	3 days	-	Jun 05, 2008
Western Union	MTO	20.00	2.46	3.53	66.19	Instant	-	Jun 05, 2008
TeleMoney	MTO	20.00	2.71	3.78	70.88	Instant	-	Jun 05, 2008
Al-Rajhi Bank	Bank	25.00	2.93	4.26	79.88	2 days	-	Jun 05, 2008
Bank Average		25.00	2.35	3.68	69.00
MTO Average		20.00	2.59	3.65	68.44
Total Average		22.50	2.47	3.67	68.81
First Quarter 2009		24.50	2.13	3.44	64.50

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	6.67	1.77	5.10	10.20	3 days	-	Jun 05, 2008
Western Union	MTO	5.33	2.46	5.13	10.26	Instant	-	Jun 05, 2008
TeleMoney	MTO	5.33	2.71	5.38	10.76	Instant	-	Jun 05, 2008
Al-Rajhi Bank	Bank	6.67	2.93	6.26	12.52	2 days	-	Jun 05, 2008
Bank Average		6.67	2.35	5.68	11.36
MTO Average		5.33	2.59	5.25	10.50
Total Average		6.00	2.47	5.47	10.94
First Quarter 2009		6.53	2.13	5.40	10.80

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	6.67	1.77	3.10	15.50	3 days	-	Jun 05, 2008
Western Union	MTO	5.33	2.46	3.53	17.65	Instant	-	Jun 05, 2008
TeleMoney	MTO	5.33	2.71	3.78	18.90	Instant	-	Jun 05, 2008
Al-Rajhi Bank	Bank	6.67	2.93	4.26	21.30	2 days	-	Jun 05, 2008
Bank Average		6.67	2.35	3.68	18.40
MTO Average		5.33	2.59	3.65	18.25
Total Average		6.00	2.47	3.67	18.35
First Quarter 2009		6.53	2.13	3.44	17.20

Remitting from Saudi Arabia to India

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in SAR | USD

7501870

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	15.00	-0.31	1.69	12.68	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	22.00	0.39	3.32	24.90	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	25.00	2.03	5.37	40.28	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	25.00	2.19	5.52	41.40	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	25.00	2.19	5.52	41.40	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	26.00	2.19	5.66	42.45	Next day	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	20.00	5.24	7.91	59.32	2 days	Nationwide	Sep 27, 2009
Bank Average		23.33	3.16	6.27	47.02
MTO Average		22.00	1.12	4.05	30.38
Total Average		22.57	1.99	5.00	37.50
Total Average in First Quarter 2009		19.67	0.45	3.08	23.10

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	15.00	-0.31	0.49	9.16	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	22.00	0.39	1.57	29.36	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	25.00	2.03	3.37	63.02	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	25.00	2.19	3.53	66.01	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	25.00	2.19	3.53	66.01	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	26.00	2.19	3.58	66.95	Next day	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	20.00	5.24	6.31	118.00	2 days	Nationwide	Sep 27, 2009
Bank Average		23.33	3.16	4.40	82.28
MTO Average		22.00	1.12	2.29	42.82
Total Average		22.57	1.99	3.20	59.84
Total Average in First Quarter 2009		19.67	0.45	1.50	28.05

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	4.00	-0.31	1.69	3.38	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	5.87	0.39	3.32	6.64	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	6.67	2.03	5.37	10.74	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	6.67	2.19	5.52	11.04	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	6.67	2.19	5.52	11.04	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	6.93	2.19	5.66	11.32	Next day	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	5.33	5.24	7.91	15.82	2 days	Nationwide	Sep 27, 2009
Bank Average		6.22	3.16	6.27	12.54
MTO Average		5.87	1.12	4.05	8.10
Total Average		6.02	1.99	5.00	10.00
Total Average in First Quarter 2009		5.24	0.45	3.08	6.16

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	4.01	-0.31	0.49	2.45	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	5.88	0.39	1.57	7.85	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	6.68	2.03	3.37	16.85	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	6.68	2.19	3.53	17.65	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	6.68	2.19	3.53	17.65	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	6.95	2.19	3.58	17.90	Next day	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	5.35	5.24	6.31	31.55	2 days	Nationwide	Sep 27, 2009
Bank Average		6.24	3.16	4.40	22.00
MTO Average		5.88	1.12	2.29	11.45
Total Average		6.04	1.99	3.20	16.00
Total Average in First Quarter 2009		5.24	0.45	1.50	7.50

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	16.00	0.60	2.74	20.55	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	16.00	0.61	2.74	20.55	2 days	Nationwide	Mar 02, 2009
Express Money	MTO	21.00	0.01	2.81	21.08	Next day	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	19.00	0.68	3.21	24.08	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	21.00	0.58	3.38	25.35	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	25.00	0.26	3.59	26.92	Less than one hour	Nationwide	Mar 02, 2009
Bank Average		17.00	0.63	2.90	21.75
MTO Average		22.33	0.28	3.26	24.45
Total Average		19.67	0.45	3.08	23.10
Total Average in 2008		20.17	2.21	4.90	36.75

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Express Money	MTO	21.00	0.01	1.13	21.19	Next day	Nationwide	Mar 02, 2009
Enjaz Bank	Bank	16.00	0.60	1.46	27.38	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	16.00	0.61	1.46	27.38	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	25.00	0.26	1.59	29.81	Less than one hour	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	19.00	0.68	1.69	31.69	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	21.00	0.58	1.70	31.88	2 days	Nationwide	Mar 02, 2009
Bank Average		17.00	0.63	1.54	28.88
MTO Average		22.33	0.28	1.47	27.56
Total Average		19.67	0.45	1.50	28.12
Total Average in 2008		20.17	2.21	3.28	61.50

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	4.27	0.60	2.74	5.48	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	4.27	0.61	2.74	5.48	2 days	Nationwide	Mar 02, 2009
Express Money	MTO	5.60	0.01	2.81	5.62	Next day	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	5.07	0.68	3.21	6.42	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	5.60	0.58	3.38	6.76	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	6.67	0.26	3.59	7.18	Less than one hour	Nationwide	Mar 02, 2009
Bank Average		4.53	0.63	2.90	5.80
MTO Average		5.96	0.28	3.26	6.52
Total Average		5.24	0.45	3.08	6.16
Total Average in 2008		5.38	2.21	4.90	9.80

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Express Money	MTO	5.60	0.01	1.13	5.65	Next day	Nationwide	Mar 02, 2009
Enjaz Bank	Bank	4.27	0.60	1.46	7.30	2 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	4.27	0.61	1.46	7.30	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	6.67	0.26	1.59	7.95	Less than one hour	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	5.07	0.68	1.69	8.45	2 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	5.60	0.58	1.70	8.50	2 days	Nationwide	Mar 02, 2009
Bank Average		4.53	0.63	1.54	7.70
MTO Average		5.96	0.28	1.47	7.35
Total Average		5.24	0.45	1.50	7.50
Total Average in 2008		5.38	2.21	3.28	16.40

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	19.00	1.75	4.29	32.17	2 days	-	Jun 03, 2008
Al-Rajhi Bank	Bank	16.00	2.28	4.41	33.08	2 days	-	Jun 03, 2008
TeleMoney	MTO	16.00	2.37	4.50	33.75	1 day	-	Jun 03, 2008
Enjaz Bank	Bank	20.00	2.37	5.04	37.80	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	25.00	1.75	5.09	38.17	1 day	-	Jun 03, 2008
Western Union	MTO	25.00	2.73	6.06	45.45	Instant	-	Jun 03, 2008
Bank Average		20.00	2.04	4.71	35.33
MTO Average		20.50	2.55	5.28	39.60
Total Average		20.17	2.21	4.90	36.75
First Quarter 2009		19.67	0.45	3.08	23.10

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	19.00	1.75	2.77	51.94	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	25.00	1.75	3.09	57.94	1 day	-	Jun 03, 2008
Al-Rajhi Bank	Bank	16.00	2.28	3.13	58.69	2 days	-	Jun 03, 2008
TeleMoney	MTO	16.00	2.37	3.22	60.38	1 day	-	Jun 03, 2008
Enjaz Bank	Bank	20.00	2.37	3.44	64.50	2 days	-	Jun 03, 2008
Western Union	MTO	25.00	2.73	4.06	76.12	Instant	-	Jun 03, 2008
Bank Average		20.00	2.04	3.11	58.31
MTO Average		20.50	2.55	3.64	68.25
Total Average		20.17	2.21	3.28	61.50
First Quarter 2009		19.67	0.45	1.50	28.12

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	5.07	1.75	4.29	8.58	2 days	-	Jun 03, 2008
Al-Rajhi Bank	Bank	4.27	2.28	4.41	8.82	2 days	-	Jun 03, 2008
TeleMoney	MTO	4.27	2.37	4.50	9.00	1 day	-	Jun 03, 2008
Enjaz Bank	Bank	5.33	2.37	5.04	10.08	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	6.67	1.75	5.09	10.18	1 day	-	Jun 03, 2008
Western Union	MTO	6.67	2.73	6.06	12.12	Instant	-	Jun 03, 2008
Bank Average		5.33	2.04	4.71	9.42
MTO Average		5.47	2.55	5.28	10.56
Total Average		5.38	2.21	4.90	9.80
First Quarter 2009		5.24	0.45	3.08	6.16

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Saudi American Bank (SAMBA)	Bank	5.07	1.75	2.77	13.85	2 days	-	Jun 03, 2008
Saudi American Bank (SAMBA)	Bank	6.67	1.75	3.09	15.45	1 day	-	Jun 03, 2008
Al-Rajhi Bank	Bank	4.27	2.28	3.13	15.65	2 days	-	Jun 03, 2008
TeleMoney	MTO	4.27	2.37	3.22	16.10	1 day	-	Jun 03, 2008
Enjaz Bank	Bank	5.33	2.37	3.44	17.20	2 days	-	Jun 03, 2008
Western Union	MTO	6.67	2.73	4.06	20.30	Instant	-	Jun 03, 2008
Bank Average		5.33	2.04	3.11	15.55
MTO Average		5.47	2.55	3.64	18.20
Total Average		5.38	2.21	3.28	16.40
First Quarter 2009		5.24	0.45	1.50	7.50

Remitting from Saudi Arabia to Jordan

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in SAR | USD

7501870

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Express Money	MTO	20.00	0.58	3.25	24.38	Next day	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	10.00	2.80	4.13	30.98	2 days	Nationwide	Sep 27, 2009
Western Union	MTO	35.00	0.16	4.83	36.22	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	25.00	1.85	5.18	38.85	Next day	Nationwide	Sep 27, 2009
MoneyGram	MTO	30.00	1.32	5.32	39.90	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	35.00	1.22	5.88	44.10	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	35.00	1.74	6.41	48.08	Less than one hour	Nationwide	Sep 27, 2009
Bank Average		23.33	2.13	5.24	39.30
MTO Average		30.00	0.82	4.82	36.15
Total Average		27.14	1.38	5.00	37.50
Total Average in First Quarter 2009		27.50	2.18	5.84	43.80

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Express Money	MTO	20.00	0.58	1.65	30.86	Next day	Nationwide	Sep 27, 2009
Western Union	MTO	35.00	0.16	2.03	37.96	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	20.00	1.74	2.81	52.55	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	30.00	1.32	2.92	54.60	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	35.00	1.22	3.09	57.78	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	25.00	1.85	3.19	59.65	Next day	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	25.00	2.80	4.14	77.42	2 days	Nationwide	Sep 27, 2009
Bank Average		23.33	2.13	3.38	63.21
MTO Average		30.00	0.82	2.42	45.25
Total Average		27.14	1.38	2.83	52.92
Total Average in First Quarter 2009		27.50	2.18	3.64	68.07

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Express Money	MTO	21.00	0.58	3.25	6.50	Next day	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	2.67	2.80	4.13	8.26	2 days	Nationwide	Sep 27, 2009
Western Union	MTO	9.33	0.16	4.83	9.66	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	6.67	1.85	5.18	10.36	Next day	Nationwide	Sep 27, 2009
MoneyGram	MTO	8.00	1.32	5.32	10.64	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	9.33	1.22	5.88	11.76	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	9.33	1.74	6.41	12.82	Less than one hour	Nationwide	Sep 27, 2009
Bank Average		6.22	2.13	5.24	10.48
MTO Average		11.92	0.82	4.82	9.64
Total Average		9.48	1.38	5.00	10.00
Total Average in First Quarter 2009		7.33	2.18	5.84	11.68

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Express Money	MTO	21.00	0.58	1.65	8.25	Next day	Nationwide	Sep 27, 2009
Western Union	MTO	9.36	0.16	2.03	10.15	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	5.35	1.74	2.81	14.05	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	8.02	1.32	2.92	14.60	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	9.36	1.22	3.09	15.45	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	6.68	1.85	3.19	15.95	Next day	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	6.68	2.80	4.14	20.70	2 days	Nationwide	Sep 27, 2009
Bank Average		6.24	2.13	3.38	16.90
MTO Average		11.93	0.82	2.42	12.10
Total Average		9.49	1.38	2.83	14.15
Total Average in First Quarter 2009		7.33	2.18	3.64	18.20

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	20.00	2.11	4.77	35.78	Next day	Nationwide	Mar 30, 2009
Saudi American Bank (SAMBA)	Bank	25.00	2.16	5.49	41.18	Next day	Nationwide	Mar 30, 2009
Al-Rajhi Bank	Bank	25.00	2.21	5.54	41.55	Next day	Nationwide	Mar 30, 2009
Express Money	MTO	25.00	2.21	5.54	41.55	Next day	Nationwide	Mar 30, 2009
Western Union	MTO	35.00	2.16	6.82	51.15	Less than one hour	Nationwide	Mar 30, 2009
TeleMoney	MTO	35.00	2.21	6.88	51.60	Less than one hour	Nationwide	Mar 30, 2009
Bank Average		23.33	2.16	5.27	39.52
MTO Average		31.67	2.19	6.42	48.15
Total Average		27.50	2.18	5.84	43.80
Total Average in 2008		28.33	1.59	5.37	40.28

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	20.00	2.11	3.17	59.44	Next day	Nationwide	Mar 30, 2009
Saudi American Bank (SAMBA)	Bank	25.00	2.16	3.49	65.44	Next day	Nationwide	Mar 30, 2009
Al-Rajhi Bank	Bank	25.00	2.21	3.54	66.38	Next day	Nationwide	Mar 30, 2009
Express Money	MTO	25.00	2.21	3.54	66.38	Next day	Nationwide	Mar 30, 2009
Western Union	MTO	35.00	2.16	4.02	75.37	Less than one hour	Nationwide	Mar 30, 2009
TeleMoney	MTO	35.00	2.21	4.08	76.50	Less than one hour	Nationwide	Mar 30, 2009
Bank Average		23.33	2.16	3.40	63.75
MTO Average		31.67	2.19	3.88	72.75
Total Average		27.50	2.18	3.64	68.25
Total Average in 2008		28.33	1.59	3.11	58.31

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	5.33	2.11	4.77	9.54	Next day	Nationwide	Mar 30, 2009
Saudi American Bank (SAMBA)	Bank	6.67	2.16	5.49	10.98	Next day	Nationwide	Mar 30, 2009
Al-Rajhi Bank	Bank	6.67	2.21	5.54	11.08	Next day	Nationwide	Mar 30, 2009
Express Money	MTO	6.67	2.21	5.54	11.08	Next day	Nationwide	Mar 30, 2009
Western Union	MTO	9.33	2.16	6.82	13.64	Less than one hour	Nationwide	Mar 30, 2009
TeleMoney	MTO	9.33	2.21	6.88	13.76	Less than one hour	Nationwide	Mar 30, 2009
Bank Average		6.22	2.16	5.27	10.54
MTO Average		8.44	2.19	6.42	12.84
Total Average		7.33	2.18	5.84	11.68
Total Average in 2008		7.56	1.59	5.37	10.74

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	5.33	2.11	3.17	15.85	Next day	Nationwide	Mar 30, 2009
Saudi American Bank (SAMBA)	Bank	6.67	2.16	3.49	17.45	Next day	Nationwide	Mar 30, 2009
Al-Rajhi Bank	Bank	6.67	2.21	3.54	17.70	Next day	Nationwide	Mar 30, 2009
Express Money	MTO	6.67	2.21	3.54	17.70	Next day	Nationwide	Mar 30, 2009
Western Union	MTO	9.33	2.16	4.02	20.10	Less than one hour	Nationwide	Mar 30, 2009
TeleMoney	MTO	9.33	2.21	4.08	20.40	Less than one hour	Nationwide	Mar 30, 2009
Bank Average		6.22	2.16	3.40	17.00
MTO Average		8.44	2.19	3.88	19.40
Total Average		7.33	2.18	3.64	18.20
Total Average in 2008		7.56	1.59	3.11	15.55

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	25.00	1.21	4.54	34.05	Next day	-	Jun 05, 2008
Western Union	MTO	25.00	2.15	5.49	41.18	Instant	-	Jun 05, 2008
TeleMoney	MTO	35.00	1.42	6.09	45.68	Instant	-	Jun 05, 2008
Bank Average		25.00	1.21	4.54	34.05
MTO Average		30.00	1.79	5.79	43.42
Total Average		28.33	1.59	5.37	40.28
First Quarter 2009		27.50	2.18	5.84	43.80

	Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	25.00	1.21	2.54	47.62	Next day	-	Jun 05, 2008
TeleMoney	MTO	35.00	1.42	3.29	61.69	Instant	-	Jun 05, 2008
Western Union	MTO	25.00	2.15	3.49	65.44	Instant	-	Jun 05, 2008
Bank Average		25.00	1.21	2.54	47.62
MTO Average		30.00	1.79	3.39	63.56
Total Average		28.33	1.59	3.11	58.31
First Quarter 2009		27.50	2.18	3.64	68.25

Corridor note

Due to the rounding up of decimal places for website compatibility, differences between the exchange rate charged and the interbank exchange rate may not be apparent in the table. The relevant RSPs do offer slightly different exchange rates, which are reflected in the exchange rate margin.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	6.67	1.21	4.54	9.08	Next day	-	Jun 05, 2008
Western Union	MTO	6.67	2.15	5.49	10.98	Instant	-	Jun 05, 2008
TeleMoney	MTO	9.33	1.42	6.09	12.18	Instant	-	Jun 05, 2008
Bank Average		6.67	1.21	4.54	9.08
MTO Average		8.00	1.79	5.79	11.58
Total Average		7.56	1.59	5.37	10.74
First Quarter 2009		7.33	2.18	5.84	11.68

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	6.67	1.21	2.54	12.70	Next day	-	Jun 05, 2008
TeleMoney	MTO	9.33	1.42	3.29	16.45	Instant	-	Jun 05, 2008
Western Union	MTO	6.67	2.15	3.49	17.45	Instant	-	Jun 05, 2008
Bank Average		6.67	1.21	2.54	12.70
MTO Average		8.00	1.79	3.39	16.95
Total Average		7.56	1.59	3.11	15.55
First Quarter 2009		7.33	2.18	3.64	18.20

Corridor note

Remitting from Saudi Arabia to Pakistan

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in SAR | USD

7501870

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	10.00	1.13	2.46	18.45	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	22.00	0.72	3.66	27.45	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	15.00	1.95	3.95	29.62	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	25.00	1.49	4.83	36.22	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	25.00	1.58	4.92	36.90	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	25.00	1.81	5.14	38.55	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	20.00	4.30	6.97	52.28	2 days	Nationwide	Sep 27, 2009
Bank Average		23.33	2.56	5.68	42.60
MTO Average		18.00	1.32	3.72	27.90
Total Average		20.29	1.86	4.56	34.20
Total Average in First Quarter 2009		16.67	0.28	2.50	18.75

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	2.67	1.13	2.46	4.92	Less than one hour	Nationwide	Sep 27, 2009
MoneyGram	MTO	5.87	0.72	3.66	7.32	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	4.00	1.95	3.95	7.90	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	6.67	1.49	4.83	9.66	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	6.67	1.58	4.92	9.84	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	6.67	1.81	5.14	10.28	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	5.33	4.30	6.97	13.94	2 days	Nationwide	Sep 27, 2009
Bank Average		6.22	2.56	5.68	11.36
MTO Average		4.80	1.32	3.72	7.44
Total Average		5.41	1.86	4.56	9.12
Total Average in First Quarter 2009		4.44	0.28	2.50	5.00

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	0.00	0.35	0.35	2.62	3-5 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	10.00	0.39	1.72	12.90	2 days	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	15.00	0.00	2.00	15.00	3-5 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	20.00	0.10	2.76	20.70	3-5 days	Nationwide	Mar 02, 2009
Western Union	MTO	25.00	0.39	3.72	27.90	Less than one hour	Nationwide	Mar 02, 2009
Express Money	MTO	30.00	0.44	4.44	33.30	Less than one hour	Nationwide	Mar 02, 2009
Bank Average		11.67	0.15	1.70	12.75
MTO Average		21.67	0.40	3.29	24.68
Total Average		16.67	0.28	2.50	18.75
Total Average in 2008		21.62	2.82	5.71	42.82

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	0.00	0.35	0.35	0.70	3-5 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	2.67	0.39	1.72	3.44	2 days	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	4.00	0.00	2.00	4.00	3-5 days	Nationwide	Mar 02, 2009
Al-Rajhi Bank	Bank	5.33	0.10	2.76	5.52	3-5 days	Nationwide	Mar 02, 2009
Western Union	MTO	6.67	0.39	3.72	7.44	Less than one hour	Nationwide	Mar 02, 2009
Express Money	MTO	8.00	0.44	4.44	8.88	Less than one hour	Nationwide	Mar 02, 2009
Bank Average		3.11	0.15	1.70	3.40
MTO Average		5.78	0.40	3.29	6.58
Total Average		4.44	0.28	2.50	5.00
Total Average in 2008		5.77	2.82	5.71	11.42

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	16.00	2.46	4.60	34.50	Bank to Bank	-	Jun 05, 2008
Al-Rajhi Bank	Bank	21.00	2.46	5.26	39.45	Next day	-	Jun 05, 2008
Express Money	MTO	20.00	2.91	5.57	41.78	Instant	-	Jun 05, 2008
Western Union	MTO	25.00	2.26	5.59	41.92	Instant	-	Jun 05, 2008
TeleMoney	MTO	21.00	3.07	5.87	44.02	2 days	-	Jun 05, 2008
Enjaz Bank	Bank	20.00	3.24	5.90	44.25	Bank to Bank	-	Jun 05, 2008
Saudi American Bank (SAMBA)	Bank	25.00	2.96	6.29	47.18	3 days	-	Jun 05, 2008
Enjaz Bank	Bank	25.00	3.24	6.57	49.28	Next day	-	Jun 05, 2008
Bank Average		21.40	2.87	5.73	42.98
MTO Average		22.00	2.74	5.68	42.60
Total Average		21.62	2.82	5.71	42.82
First Quarter 2009		16.67	0.28	2.50	18.75

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	4.27	2.46	4.60	9.20	Bank to Bank	-	Jun 05, 2008
Al-Rajhi Bank	Bank	5.60	2.46	5.26	10.52	Next day	-	Jun 05, 2008
Express Money	MTO	5.33	2.91	5.57	11.14	Instant	-	Jun 05, 2008
Western Union	MTO	6.67	2.26	5.59	11.18	Instant	-	Jun 05, 2008
TeleMoney	MTO	5.60	3.07	5.87	11.74	2 days	-	Jun 05, 2008
Enjaz Bank	Bank	5.33	3.24	5.90	11.80	Bank to Bank	-	Jun 05, 2008
Saudi American Bank (SAMBA)	Bank	6.67	2.96	6.29	12.58	3 days	-	Jun 05, 2008
Enjaz Bank	Bank	6.67	3.24	6.57	13.14	Next day	-	Jun 05, 2008
Bank Average		5.71	2.87	5.73	11.46
MTO Average		5.87	2.74	5.68	11.36
Total Average		5.77	2.82	5.71	11.42
First Quarter 2009		4.44	0.28	2.50	5.00

Remitting from Saudi Arabia to Philippines

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in SAR | USD

7501870

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
TeleMoney	MTO	21.00	0.40	3.20	24.00	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	26.00	0.71	4.18	31.35	Next day	Nationwide	Sep 27, 2009
MoneyGram	MTO	30.00	1.59	5.59	41.92	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	35.00	1.27	5.94	44.55	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	35.00	1.27	5.94	44.55	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	35.00	2.14	6.81	51.08	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	20.00	6.99	9.66	72.45	2 days	Nationwide	Sep 27, 2009
Bank Average		30.00	3.47	7.47	56.02
MTO Average		28.00	0.99	4.73	35.48
Total Average		28.86	2.05	5.90	44.25
Total Average in First Quarter 2009		26.00	1.61	5.07	38.02

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
TeleMoney	MTO	5.60	0.40	3.20	6.40	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	6.93	0.71	4.18	8.36	Next day	Nationwide	Sep 27, 2009
MoneyGram	MTO	8.00	1.59	5.59	11.18	Less than one hour	Nationwide	Sep 27, 2009
Enjaz Bank	Bank	9.33	1.27	5.94	11.88	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	9.33	1.27	5.94	11.88	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)	Bank	9.33	2.14	6.81	13.62	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	5.33	6.99	9.66	19.32	2 days	Nationwide	Sep 27, 2009
Bank Average		8.00	3.47	7.47	14.94
MTO Average		7.47	0.99	4.73	9.46
Total Average		7.70	2.05	5.90	11.80
Total Average in First Quarter 2009		6.93	1.61	5.07	10.14

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	20.00	-0.04	2.62	19.65	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	35.00	0.02	4.69	35.18	Less than one hour	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	16.00	3.41	5.54	41.55	3-5 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	33.00	3.03	7.43	55.72	2 days	Nationwide	Mar 02, 2009
Bank Average		18.00	1.68	4.08	30.60
MTO Average		34.00	1.53	6.06	45.45
Total Average		26.00	1.61	5.07	38.02
Total Average in 2008		26.00	1.31	4.78	35.85

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	5.33	-0.04	2.62	5.24	2 days	Nationwide	Mar 02, 2009
Western Union	MTO	9.33	0.02	4.69	9.38	Less than one hour	Nationwide	Mar 02, 2009
Saudi American Bank (SAMBA)	Bank	4.27	3.41	5.54	11.08	3-5 days	Nationwide	Mar 02, 2009
TeleMoney	MTO	8.80	3.03	7.43	14.86	2 days	Nationwide	Mar 02, 2009
Bank Average		4.80	1.68	4.08	8.16
MTO Average		9.07	1.53	6.06	12.12
Total Average		6.93	1.61	5.07	10.14
Total Average in 2008		6.93	1.31	4.78	9.56

7501875

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	20.00	0.33	3.00	22.50	2 days	-	Jun 05, 2008
Express Money	MTO	20.00	1.10	3.77	28.28	Instant	-	Jun 05, 2008
TeleMoney	MTO	20.00	2.74	5.41	40.58	2 days	-	Jun 05, 2008
Western Union	MTO	35.00	0.76	5.43	40.72	Instant	-	Jun 05, 2008
Saudi American Bank (SAMBA)	Bank	35.00	1.63	6.30	47.25	3 days	-	Jun 05, 2008
Bank Average		27.50	0.98	4.65	34.88
MTO Average		25.00	1.53	4.87	36.52
Total Average		26.00	1.31	4.78	35.85
First Quarter 2009		26.00	1.61	5.07	38.02

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Al-Rajhi Bank	Bank	5.33	0.33	3.00	6.00	2 days	-	Jun 05, 2008
Express Money	MTO	5.33	1.10	3.77	7.54	Instant	-	Jun 05, 2008
TeleMoney	MTO	5.33	2.74	5.41	10.82	2 days	-	Jun 05, 2008
Western Union	MTO	9.33	0.76	5.43	10.86	Instant	-	Jun 05, 2008
Saudi American Bank (SAMBA)	Bank	9.33	1.63	6.30	12.60	3 days	-	Jun 05, 2008
Bank Average		7.33	0.98	4.65	9.30
MTO Average		6.67	1.53	4.87	9.74
Total Average		6.93	1.31	4.78	9.56
First Quarter 2009		6.93	1.61	5.07	10.14

Remitting from Saudi Arabia to Yemen

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in SAR | USD

7501870

				Total cost
Firm name	Firm type	Fee (SAR)	Exchange rate margin (%)	Percent (%)	SAR	Transfer speed	Network Coverage	Date
Enjaz Bank	Bank	20.00	-1.59	1.08	8.10	Less than one hour	Nationwide	Sep 27, 2009
Western Union	MTO	20.00	-1.59	1.08	8.10	Less than one hour	Nationwide	Sep 27, 2009
TeleMoney	MTO	25.00	-1.59	1.75	13.12	Less than one hour	Nationwide	Sep 27, 2009
Saudi American Bank (SAMBA)*	Bank	20.00	*0.00	*2.67	*20.02	Less than one hour	Nationwide	Sep 27, 2009
Express Money	MTO	20.00	0.78	3.45	25.88	2 days	Nationwide	Sep 27, 2009
MoneyGram	MTO	30.00	0.00	4.00	30.00	Less than one hour	Nationwide	Sep 27, 2009
Al-Rajhi Bank	Bank	20.00	1.91	4.57	34.28	2 days	Nationwide	Sep 27, 2009
Bank Average		20.00	0.11	2.77	20.78
MTO Average		23.75	-0.60	2.57	19.27
Total Average		22.14	-0.30	2.66	19.95
Total Average in First Quarter 2009		20.00	0.03	2.70	20.25

Corridor note

* indicates that the RSP is not transparent and did not provide all the relevant information. Roll-over firm name for more info.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)