Danamon Offers Saudi Riyal Purchases at D-Bank PRO by Danamon to Prepare for SAR Needs for the 2026 Hajj

Jakarta, 13 May 2026 – The Hajj pilgrimage, as the fifth pillar of Islam, is an obligation that must be fulfilled at least once in a lifetime by every Muslim who is physically, mentally, and financially capable. In Indonesia, the Hajj has evolved into a large-scale national undertaking, presenting structural challenges that require careful, long-term planning—particularly in terms of financial preparedness. Financial readiness becomes increasingly critical during the pilgrimage period in Saudi Arabia, where pilgrims rely extensively on transactions in Saudi Riyals (SAR) to meet their daily needs, including accommodation, transportation, meals, and other essential expenses.

The Halal Times (2025) reports that global Hajj-related expenditure spans consumption, transportation, and retail shopping, with total spending per pilgrim estimated to range between USD 3,000 and USD 10,000 throughout the pilgrimage period. In 2025, Indonesia accounted for more than 13% of the world’s total Hajj pilgrims, according to data from the Central Statistics Agency (BPS). This underscores Indonesia’s position not only as the largest source of Hajj pilgrims globally, but also as a key contributor to the economic activity surrounding the pilgrimage. The scale of this economic contribution is further reflected in the spending patterns of Indonesian pilgrims in Saudi Arabia. Based on data from Statista (2024), average expenditures include approximately SAR 600 for food and beverages, SAR 300 for transportation, and up to SAR 1,500 for shopping and souvenirs.

The Hajj Financial Management Agency (BPKH), in its official press release dated April 23, 2026, announced the provision of a living allowance of SAR 750 in cash per pilgrim for the 2026 Hajj season. This allowance, distributed prior to departure, is intended to support pilgrims’ basic needs during their stay in the Holy Land and forms part of BPKH’s broader Hajj financial management policy. However, as the allocation is primarily designated for essential expenses, pilgrims are generally required to prepare additional funds to cover personal needs, souvenirs, and other discretionary spending. This highlights the continued importance of comprehensive financial preparedness, enabling pilgrims to undertake their spiritual journey with greater comfort and convenience, without being constrained by transactional limitations.

In response to these needs, PT Bank Danamon Indonesia Tbk (“Danamon”) offers convenient foreign exchange solutions, including transactions in Saudi Riyal (SAR), through its D-Bank PRO digital banking platform. This service enables customers to conduct foreign currency transactions seamlessly online, providing greater flexibility and convenience in managing their financial needs. This digital capability is further complemented by Danamon’s comprehensive financial solutions through Danamon Lebih PRO savings, including its sharia-compliant form, namely Danamon Lebih PRO iB where customers can take advantage of multicurrency savings accounts that support financial planning even before departure. These multicurrency savings products support customers’ financial planning from the pre-departure stage, allowing them to save and transact in up to 12 currencies within a single account, including Saudi Riyal (SAR), without the need to open multiple accounts.

Customers can also benefit from cost-efficient cash withdrawals at ATMs across Saudi Arabia displaying the Mastercard, Maestro, and Cirrus logos, supported by competitive exchange rates. In addition, this financial solution is complemented by a cashback program of 5%, up to IDR 500,000, for both domestic and international transactions made using the Danamon Global Currency Card. Through this integrated service ecosystem, Danamon supports pilgrims in managing their financial needs in a more planned, practical, and sharia-compliant manner, enabling them to focus on their religious observances with greater peace of mind during their time in the Holy Land.

“Hajj requires comprehensive financial preparation, not only for travel expenses but also for managing daily transactions while in the Holy Land. Through the convenience of Saudi Riyal (SAR) transactions on D-Bank PRO, we enable customers to prepare their foreign currency needs prior to departure, manage their finances more systematically, and remain focused on performing their pilgrimage,” said Herry Hykmanto, Director of Sharia & Sustainability Finance at Danamon.

Upon returning home, Hajj pilgrims are encouraged to continue embracing a holistic halal lifestyle, including in their financial management. Through Danamon’s sharia ecosystem, customers can sustain financial practices aligned with sharia principles ranging from disciplined saving and structured transactions to the utilization of social banking services such as Zakat, Infaq, Sedekah, and Waqf (ZISWAF) as part of their ongoing social responsibility after completing the Hajj.

Furthermore, to support customers’ long-term needs upon returning home, Danamon offers a range of sharia compliant financing solutions, including iB Home Ownership Financing for houses, shophouses, apartments, and ready-to-build land, as well as multipurpose financing options. These solutions are structured under sharia contracts such as IMBT (Ijarah Muntahiyah Bittamlik) and MMQ (Musyarakah Mutanaqisah). Through these offerings, customers can plan and build asset ownership progressively and sustainably, in accordance with sharia principles, ensuring that the values of the Hajj continue to be reflected in their financial decisions and everyday lives.

“For us, Hajj is not merely a journey to the Holy Land, but also a transformative process that shapes values and lifelong habits. We hope that the spirit of discipline, responsibility, and social awareness cultivated during the pilgrimage can be sustained upon returning home through the continued practice of a halal lifestyle, including prudent financial management and a commitment to sharing with others,” concluded Herry Hykmanto, Director of Sharia & Sustainability Finance at Danamon.

For more information on the convenience of Saudi Riyal (SAR) transactions and Danamon’s comprehensive sharia banking solutions, please visit bdi.co.id/danamonsyariah.

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*Link of BPKH Press Release: https://bpkh.go.id/publikasi/siaran-pers/jemaah-haji-2026-terima-uang-saku-750-riyal-distribusi-living-cost-di-embarkasi-solo-berjalan-lancar

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