by CognitionSync

Sources and method

Every number on this site comes from a named source, or is computed from one, with the date it was read.

Where the numbers come from

Mid market

ExchangeRate API, open access feed

One request a day to open.er-api.com, rates quoted against the US dollar. The rupee rate for any currency is the rupees per dollar divided by that currency's units per dollar. ExchangeRate API describes its rates as "indicative midpoint rates" blended from central bank and commercial sources and updated once every 24 hours on the free feed. Its documentation asks for attribution with a link on every page that uses the rates; the footer of every page carries it. Its terms allow storing the data and do not allow passing it on, so this site shows the numbers on its pages and offers no download or feed of them. The provider says the rates are not meant for real transactions. Last update used here: 8 November 2026, 00:02 UTC.

Quotes

Provider quotes: not shown yet

Wise publishes a Comparison API with estimates for many providers. Its documentation says every request needs authentication, and the site does not hold a key yet, so no provider table is shown and nothing is taken from provider websites. If a key is obtained and Wise's terms for it allow public display, the table will appear on each corridor page with the time each quote was collected and Wise's attribution. Wise is itself one of the providers it compares, and the page will say so.

History

Daily snapshots

The site keeps one dated snapshot a day from 18 October 2026. It holds 22 days so far. Charts appear once 7 days are held. Nothing is fetched while you read a page.

Schedule

Rebuilt once a day

Every morning, after the feed's daily update, a job fetches the new rates, checks them (complete, recent, no implausible jump) and rebuilds every page. If anything fails, yesterday's pages stay up unchanged.

Rounding

How numbers are rounded

Rates are shown to two decimals and rupee amounts to the nearest rupee. Calculator results in dirhams and riyals are shown to two decimals; the laws quoted do not set a rounding rule, so nothing else is rounded along the way.

Laws, schemes and official pages

Every rule the answers and calculators rely on, with the date it was read on the official source. If an official source changes, it wins over this site.

  1. ExchangeRate API, open access documentation. Daily update, attribution rule and caching rules of the rate feed. Checked 18 October 2026.
  2. ExchangeRate API, terms of use. Commercial use allowed, no redistribution of the data, accuracy disclaimer. Checked 18 October 2026.
  3. ExchangeRate API, our exchange rate data. The rates are indicative midpoint rates blended from central bank and market sources. Checked 18 October 2026.
  4. Wise Platform, Comparison API reference. How Wise builds provider estimates; every request needs authentication. Checked 18 October 2026.
  5. Wise, how the comparison data is collected. Collected from provider websites for bank to bank transfers, not in real time. Checked 18 October 2026.
  6. Saudi Labor Law, Articles 84 to 88 (HRSD consolidated English text). End of service award, resignation shares, Article 87 exceptions, payment within one or two weeks. Checked 18 October 2026.
  7. Saudi Labor Law, Articles 84 to 88, Arabic text (HRSD). The authoritative Arabic text of the same articles. Checked 18 October 2026.
  8. Saudi Labor Law, Article 2 definitions (HRSD). Wage means the actual wage; basic and actual wage; a month is thirty days; continuous service. Checked 18 October 2026.
  9. Saudi Labor Law, Article 96 (HRSD). How piece rate and commission pay is averaged for rights under the law. Checked 18 October 2026.
  10. Royal Decree M/44 of 8/2/1446H amending the Labor Law, Umm Al Qura. The 2025 amendment: none of its 39 items touches Articles 84 to 88 or the wage definitions. Checked 18 October 2026.
  11. Royal Decree M/44, publication and entry into force, Umm Al Qura. In force 180 days after publication on 19/2/1446H (23 August 2024). Checked 18 October 2026.
  12. HRSD knowledge centre: end of service award on resignation. States that a worker who resigns with less than two years of service gets no award. Checked 18 October 2026.
  13. Implementing Regulations of the Labor Law with the unified contract (HRSD, PDF). Unified contract clause 11.10 (no award on probation, on resignation under two years, or under Article 80) and clause 14.6 (Gregorian calendar). Checked 18 October 2026.
  14. Saudi Press Agency: Jawazat release on the fee for dependents and companions, 2017. Schedules SAR 400 a month per dependent from 1 July 2020. No official page confirming the 2026 amount could be opened. Checked 18 October 2026.
  15. State Bank of Pakistan, home remittance and the Pakistan Remittance Initiative. PRI was launched in 2009 by the Ministry of Finance, SBP and the Ministry of Overseas Pakistanis; PRI helpline. Checked 18 October 2026.
  16. SBP EPD Circular Letter No. 09 of 2024, 8 October 2024. TT charges scheme from 1 October 2024: SAR 20 per eligible remittance of USD 100 and above. Checked 18 October 2026.
  17. SBP EPD Circular Letter No. 04 of 2025, 30 June 2025. From 1 July 2025: minimum USD 200, flat SAR 20 per transaction, exchange companies included. Checked 18 October 2026.
  18. Appendix A to EPD Circular Letter No. 04 of 2025 (PDF). Conditions: no fee to remitter or beneficiary at any stage, USD 200 minimum, five free transactions a month per pair. Checked 18 October 2026.
  19. SBP EPD Circular Letter No. 12 of 2026, 2 July 2026. TT charges scheme discontinued from 1 July 2026; banks must keep qualifying remittances free of cost. Checked 18 October 2026.
  20. SBP EPD Circular Letters No. 05 and 06 of 2025, 30 June 2025. Exchange company incentive and marketing incentive schemes discontinued from 1 July 2025. Checked 18 October 2026.
  21. SBP press release on the Pasban Remittance Reward Scheme, 25 September 2026 (PDF). Bank funded prize scheme for people receiving home remittances; first draw 15 January 2027. Checked 18 October 2026.
  22. 1LINK, Pasban Rewards customer terms and conditions (PDF). States that the Sohni Dharti Remittance Programme has been discontinued. Checked 18 October 2026.
  23. SBP, Sohni Dharti Remittance Program page, archived copy of 16 December 2025 (Internet Archive). How the points scheme worked; the live page now redirects. Checked 18 October 2026.
  24. State Bank of Pakistan, Roshan Digital Accounts. Who may open one, the two account types, currencies, uses and repatriation. Checked 18 October 2026.
  25. SBP, Roshan Digital Account for resident Pakistanis. Residents who declared assets abroad to FBR may open a foreign currency account. Checked 18 October 2026.
  26. SBP, frequently asked questions on the Roshan Digital Account. Funding only from abroad, repatriation, property gains after three years. Checked 18 October 2026.
  27. Income Tax Ordinance 2001, amended up to 30 June 2026 (FBR, PDF). Section 111(4): remittances up to five million rupees a tax year are outside section 111(1). Checked 18 October 2026.
  28. FBR, Income Tax Ordinance editions. Where the consolidated editions of the Ordinance are listed. Checked 18 October 2026.
  29. Finance Act 2025, Gazette of Pakistan (FBR, PDF). Amends sections 100C and then 113; nothing in section 111. Checked 18 October 2026.
  30. Finance Act 2026, Gazette of Pakistan (FBR, PDF). Amends sections 100B and then 114; nothing in section 111; adds section 154B. Checked 18 October 2026.
  31. SBP, financial market data: foreign exchange market. Lists the published series: weighted average customer rates, mark to market revaluation rate, conversion rates, open market rates. Checked 18 October 2026.
  32. SBP, mark to market revaluation exchange rate. Compiled as a weighted average of closing interbank rates collected through brokerage houses. Checked 18 October 2026.
  33. SBP, weighted average customer exchange rates. An estimate of the rates commercial banks quote to their clients. Checked 18 October 2026.
  34. SBP, open market closing exchange rates. Provided by the Exchange Companies Association of Pakistan and published for information only. Checked 18 October 2026.
  35. SBP, exchange rate regime and FX reserve management. Pakistan has a market based flexible exchange rate system. Checked 18 October 2026.
  36. SBP FE Circular No. 02 of 2024: Regulatory Framework for Exchange Companies, from 1 January 2025. Exchange companies set their own buying and selling rates with a fair, reasonable and competitive spread. Checked 18 October 2026.
  37. Financial Conduct Authority, the Financial Services Register. "The FS Register is a public record of firms, individuals and other bodies"; the search is at register.fca.org.uk. Checked 18 October 2026.
  38. CFPB, Regulation E, 12 CFR 1005.31: disclosures for remittance transfers. Before payment the provider must show the amount sent, fees and taxes, the exchange rate and the amount received. Checked 18 October 2026.
  39. CFPB, Regulation E, 12 CFR 1005.34: cancellation and refund. A sender may cancel within 30 minutes of paying and must be refunded within three business days. Checked 18 October 2026.
  40. IRS Notice 2025-55: the remittance transfer tax under section 4475 (PDF). A 1 percent tax on remittance transfers after 31 December 2025 that the sender pays for in cash, by money order or cashier's check. Checked 18 October 2026.
  41. Saudi Central Bank (SAMA). The central bank of Saudi Arabia; no list of licensed entities could be found on its site that day. Checked 18 October 2026.
  42. Federal Decree Law No. 33 of 2021 and its amendments, MOHRE English text (PDF, Internet Archive copy of 2 March 2026). Articles 1, 3, 8, 23, 39, 43 to 45, 51 to 53, 67 and 68. Read through the archive because mohre.gov.ae refused connections. Checked 18 October 2026.
  43. UAE Legislation portal, Federal Decree by Law No. 33 of 2021 (Internet Archive copy of 4 October 2026). Status Active, three amendments, the last listed on 29 July 2024; the Arabic text prevails. Checked 18 October 2026.

Who made this

Send Home is built and checked by Asif Ejaz, a data scientist in Lahore, as part of CognitionSync. It is not a bank, a money transfer service or a licensed adviser, and nothing on it is legal, tax or financial advice. Corrections are welcome through cognitionsync.com.