How long does a SWIFT transfer from Saudi Arabia to Philippines take?

Saudi Arabia hosts one of the largest communities of OFWs (Overseas Filipino Workers) globally, with over 1 million Filipinos in the Kingdom. SAR wires route from Saudi banks via SWIFT, converting to PHP through a correspondent bank. PhilPaSS settles the peso credit. The significant time-zone difference (Philippine banking closes at 15:00 PHT, which is only 10:00 Riyadh time) means mid-day Saudi transfers often arrive in the Philippines outside banking hours and queue overnight. BSP requires FX registration for larger amounts. SAR-to-PHP conversion typically requires a USD intermediate step. Use Ohmyfin to track your UETR.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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Details

Settlement path: SARIE → PhilPaSS (BSP). Currency pair: SAR → PHP.

The three most common causes of delay on this corridor are: (1) Time-zone gap: Philippine banking closes at 15:00 PHT, 5 hours ahead of Riyadh (AST), (2) AED/SAR-to-PHP double FX conversion via USD intermediate, and (3) BSP inward FX registration for amounts above USD 10,000 equivalent.

If the payment has not arrived within 4 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.

Key facts

Typical settlement: 1 business day
95th-percentile: 4 business days
Currency pair: SAR → PHP
Settlement system: SARIE → PhilPaSS (BSP)
Top delay cause: Time-zone gap: Philippine banking closes at 15:00 PHT, 5 hours ahead of Riyadh (AST)

How to track a delayed transfer — step by step

Get the UETR from your sending bank — Ask your bank for the MT103 payment confirmation. The UETR (Unique End-to-end Transaction Reference) is in field 121 — a 36-character UUID formatted as 8-4-4-4-12 hexadecimal characters.
Track the payment on Ohmyfin — Paste the UETR into the free Ohmyfin tracker at ohmyfin.org. You will see which bank is currently holding the payment and its live SWIFT GPI status code (ACSP, ACWP, RJCT, etc.).
Identify the holding bank and delay cause — On the Saudi Arabia–Philippines corridor, the most common delay causes are: Time-zone gap: Philippine banking closes at 15:00 PHT, 5 hours ahead of Riyadh (AST); AED/SAR-to-PHP double FX conversion via USD intermediate; BSP inward FX registration for amounts above USD 10,000 equivalent. The GPI tracker shows exactly which bank last acknowledged the payment.
Ask your bank to file an MT199 enquiry — If the payment has been static for more than 24 hours, ask your sending bank to send an MT199 payment investigation message quoting the UETR and the holding bank's BIC. SWIFT GPI service levels require banks to respond within one business day.

Frequently asked questions

How long does a SWIFT transfer from Saudi Arabia to Philippines take?

Most SWIFT transfers on the Saudi Arabia–Philippines corridor credit the beneficiary within 1 business day. In 95% of cases the payment arrives within 4 business days. The most common delay is time-zone gap: philippine banking closes at 15:00 pht, 5 hours ahead of riyadh (ast).

What causes delays for Saudi Arabia–Philippines payments?

The three most common delay causes are: Time-zone gap: Philippine banking closes at 15:00 PHT, 5 hours ahead of Riyadh (AST); AED/SAR-to-PHP double FX conversion via USD intermediate; BSP inward FX registration for amounts above USD 10,000 equivalent.

What should I do if my Saudi Arabia–Philippines SWIFT transfer is late?

Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 4 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.

Which clearing system is used for Saudi Arabia–Philippines payments?

The dominant settlement path is SARIE → PhilPaSS (BSP). The currency pair is SAR → PHP.

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How long does a SWIFT transfer from Saudi Arabia to Philippines take?

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Key facts

How to track a delayed transfer — step by step

Frequently asked questions

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