How should I handle money exchange and payments during Hajj?

The Saudi Riyal (SAR) is pegged to the US Dollar at approximately 3.75 SAR per USD, making exchange rate calculations straightforward. Licensed money exchange offices are plentiful near Masjid al-Haram and throughout Makkah, generally offering better rates than hotel exchange desks. Bring USD, EUR, or GBP for the best exchange rates — less common currencies may have wider spreads.

ATMs are widely available in Makkah, Madinah, and at airports, accepting most international Visa and Mastercard debit/credit cards. Inform your bank of travel plans before departure to avoid card blocks. Digital payments (Apple Pay, Google Pay, and the local mada network) are widely accepted at restaurants, shops, and malls. However, carry cash (500-1000 SAR) for small vendors, barbers, street food, and tips in Mina where card terminals may be scarce.