Money for Umrah: cash, cards and exchange

Practical rules from the Saudi Ministry of Hajj and Umrah advisory. Rates and rules change, so confirm before you travel.

Information only. Rules, permits and timings change, so confirm with official sources and your scholar before you travel. We do not sell, book or guarantee anything.

Carry little cash

The ministry says costs are paid before arrival, so you do not need much cash. International credit cards are reported as accepted, so card payment is usually enough.

Declare large amounts

Declaration is mandatory for currency, monetary instruments, precious metals or stones, or fine jewellery worth SAR 60,000 or more. An electronic form is available through ZATCA.

Exchange safely

Use banks or licensed exchange centres. Keep receipts of all transactions to protect your rights.

Protect your cards

Do not share card details with anyone. Do not send money to unknown sources and check payment links before paying. If you are a victim of fraud, contact your bank immediately, then the authorities. With a Saudi SIM you can forward fraud SMS messages to 330330.

See scams and safety, SIM and eSIM and emergency numbers.

Frequently asked

How much cash should I carry for Umrah?

Little. Costs are mostly paid in advance and international cards are reported to be accepted.

Do I have to declare cash?

Yes, if currency, jewellery or metals are worth SAR 60,000 or more.

Where should I exchange money?

At banks or licensed exchange centres, and keep the receipt.

Sources

Gulf News: ministry advisory on financial safety (March 2023)

Reviewed by the Makkah Madina Guide editorial team on 20 October 2026.