Best British Pound / Saudi Riyal Exchange Rate Today: 4.7609
Our comparison table and live data feed show the top euro rate you're likely to achieve for international payments is 4.7466, and the most competitive travel money / cash rates start at approximately 4.5868.
Live rate: 1 GBP = 4.7609 SAR (+0.16% )
Inverted: 1 SAR = 0.2100 GBP
Click here for our full travel and holiday rates comparison tool.
Comparison Results:
| Provider | Exchange Rate | Fee | You Get | Service | Notes | Action |
Live Market Rate | 4.7609 | 0 | 4.7133 | |||
 | 4.7466 (indicative) | 0 | 4.7466 | International Payments and Transfers | Experts in international money transfers for business and individuals, delivering industry-beating exchange rates. | |
 | 4.7276 (indicative) | 0 | 4.7276 | International Payments and Transfers | Indicative Dealing Desk Quote. Rate can only be applied to transfers in excess of £2000 equivalent. | |
 | 4.7609 | 0.93% | 4.7166 | Best Multi-Currency Card | One currency card for all your travels. Use it instantly as a digital card and top-up from the app, with the mid-market rate. 40+ currencies. Save up to 87% when you spend internationally. | |
 | 4.5868 | 0 | 4.5868 | Holiday FX, Cash Delivery | A specialist alternative to banks, bureau de change & the Post Office for clients seeking competitive currency exchange rates. A multiple award-winning company, offering free delivery (over £700.00), no commission charges, payment by Debit Card or Bank Transfer and typically offering the best exchange rates available. | |
 | 4.5865 | 0 | 4.5865 | Best Branch Collection | Also offer delivery and cash buyback services. Home delivery orders of £5 and above are accepted, for branch collection the minimum is £500. One of the highest rated companies we survey according to independent rating review providers. | |
 | 4.5159 | 0 | 4.5159 | Holiday FX, Cash Delivery | Covent Garden FX is a family-owned and operated Bureau De Change located in the heart of Central London. Established for over 20 years, we offer extremely competitive exchange rates with no commission and no fees. | |
Best Bank Rate  | 4.6276 (upper range) | Variable | 4.6276 | Payments, transfers, holiday money | Determined using data on spread charges supplied by IMTI | |
Worst Bank Rate | 4.5943 (lower range) | Variable | 4.5943 | Payments, transfers, holiday money | Determined using data on spread charges supplied by Money Mover and Accourt | |
Paypal  | 4.5467 | 0 | 4.5467 | International Payments and Transfers |
GBP/SAR Live Chart and Data
Set Alert« | » |
January - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 4.7783 Close: 4.7348 Mid: 4.7569 | 3 Open: 4.7348 Close: 4.7453 Mid: 4.7397 | 4 Open: 4.7453 Close: 4.7576 Mid: 4.7536 | 5 Open: 4.7575 Close: 4.7718 Mid: 4.7587 | 6 | |
7 | 8 Open: 4.7571 Close: 4.7797 Mid: 4.7684 | 9 Open: 4.7800 Close: 4.7657 Mid: 4.7743 | 10 Open: 4.7658 Close: 4.7754 Mid: 4.7696 | 11 Open: 4.7755 Close: 4.7792 Mid: 4.7780 | 12 Open: 4.7796 Close: 4.7812 Mid: 4.7806 | 13 |
14 | 15 Open: 4.7808 Close: 4.7732 Mid: 4.7769 | 16 Open: 4.7732 Close: 4.7409 Mid: 4.7571 | 17 Open: 4.7407 Close: 4.7529 Mid: 4.7475 | 18 Open: 4.7530 Close: 4.7571 Mid: 4.7560 | 19 Open: 4.7582 Close: 4.7580 Mid: 4.7591 | 20 |
21 | 22 Open: 4.7581 Close: 4.7685 Mid: 4.7650 | 23 Open: 4.7683 Close: 4.7556 Mid: 4.7648 | 24 Open: 4.7556 Close: 4.7755 Mid: 4.7681 | 25 Open: 4.7752 Close: 4.7632 Mid: 4.7691 | 26 Open: 4.7633 Close: 4.7680 Mid: 4.7697 | 27 |
28 | 29 Open: 4.7678 Close: 4.7600 Mid: 4.7625 | 30 Open: 4.7605 Close: 4.7561 Mid: 4.7579 | 31 Open: 4.7565 Close: 4.7593 Mid: 4.7636 |
February - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7591 Close: 4.7692 Mid: 4.7572 | 2 Open: 4.7699 Close: 4.7435 Mid: 4.7635 | 3 | ||||
4 | 5 Open: 4.7458 Close: 4.7026 Mid: 4.7242 | 6 Open: 4.7025 Close: 4.7198 Mid: 4.7108 | 7 Open: 4.7201 Close: 4.7358 Mid: 4.7288 | 8 Open: 4.7357 Close: 4.7293 Mid: 4.7303 | 9 Open: 4.7295 Close: 4.7361 Mid: 4.7324 | 10 |
11 | 12 Open: 4.7354 Close: 4.7344 Mid: 4.7334 | 13 Open: 4.7345 Close: 4.7241 Mid: 4.7380 | 14 Open: 4.7238 Close: 4.7101 Mid: 4.7164 | 15 Open: 4.7103 Close: 4.7193 Mid: 4.7121 | 16 Open: 4.7196 Close: 4.7229 Mid: 4.7203 | 17 |
18 | 19 Open: 4.7235 Close: 4.7250 Mid: 4.7273 | 20 Open: 4.7251 Close: 4.7347 Mid: 4.7283 | 21 Open: 4.7345 Close: 4.7352 Mid: 4.7339 | 22 Open: 4.7355 Close: 4.7449 Mid: 4.7449 | 23 Open: 4.7451 Close: 4.7548 Mid: 4.7516 | 24 |
25 | 26 Open: 4.7543 Close: 4.7563 Mid: 4.7572 | 27 Open: 4.7570 Close: 4.7567 Mid: 4.7567 | 28 Open: 4.7568 Close: 4.7463 Mid: 4.7507 | 29 Open: 4.7465 Close: 4.7372 Mid: 4.7432 |
March - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7370 Close: 4.7440 Mid: 4.7399 | 2 | |||||
3 | 4 Open: 4.7445 Close: 4.7587 Mid: 4.7516 | 5 Open: 4.7586 Close: 4.7652 Mid: 4.7607 | 6 Open: 4.7653 Close: 4.7774 Mid: 4.7716 | 7 Open: 4.7773 Close: 4.7973 Mid: 4.7865 | 8 Open: 4.7978 Close: 4.8218 Mid: 4.8121 | 9 |
10 | 11 Open: 4.8216 Close: 4.8066 Mid: 4.8141 | 12 Open: 4.8065 Close: 4.7941 Mid: 4.7998 | 13 Open: 4.7943 Close: 4.7996 Mid: 4.7971 | 14 Open: 4.7997 Close: 4.7854 Mid: 4.7951 | 15 Open: 4.7853 Close: 4.7780 Mid: 4.7817 | 16 |
17 | 18 Open: 4.7789 Close: 4.7734 Mid: 4.7762 | 19 Open: 4.7735 Close: 4.7681 Mid: 4.7654 | 20 Open: 4.7708 Close: 4.7858 Mid: 4.7732 | 21 Open: 4.7865 Close: 4.7568 Mid: 4.7766 | 22 Open: 4.7562 Close: 4.7241 Mid: 4.7381 | 23 |
24 | 25 Open: 4.7245 Close: 4.7399 Mid: 4.7323 | 26 Open: 4.7397 Close: 4.7382 Mid: 4.7430 | 27 Open: 4.7382 Close: 4.7374 Mid: 4.7355 | 28 Open: 4.7376 Close: 4.7351 Mid: 4.7344 | 29 Open: 4.7351 Close: 4.7328 Mid: 4.7345 | 30 |
31 |
April - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7332 Close: 4.7278 Mid: 4.7305 | 2 Open: 4.7293 Close: 4.7149 Mid: 4.7205 | 3 Open: 4.7150 Close: 4.7365 Mid: 4.7258 | 4 Open: 4.7371 Close: 4.7468 Mid: 4.7440 | 5 Open: 4.7464 Close: 4.7367 Mid: 4.7378 | 6 | |
7 | 8 Open: 4.7353 Close: 4.7442 Mid: 4.7398 | 9 Open: 4.7444 Close: 4.7548 Mid: 4.7520 | 10 Open: 4.7547 Close: 4.7078 Mid: 4.7324 | 11 Open: 4.7074 Close: 4.7061 Mid: 4.7067 | 12 Open: 4.7063 Close: 4.6716 Mid: 4.6901 | 13 |
14 | 15 Open: 4.6716 Close: 4.6721 Mid: 4.6797 | 16 Open: 4.6718 Close: 4.6643 Mid: 4.6679 | 17 Open: 4.6643 Close: 4.6697 Mid: 4.6686 | 18 Open: 4.6700 Close: 4.6697 Mid: 4.6751 | 19 Open: 4.6695 Close: 4.6494 Mid: 4.6600 | 20 |
21 | 22 Open: 4.6486 Close: 4.6283 Mid: 4.6338 | 23 Open: 4.6286 Close: 4.6648 Mid: 4.6467 | 24 Open: 4.6651 Close: 4.6686 Mid: 4.6678 | 25 Open: 4.6688 Close: 4.6885 Mid: 4.6798 | 26 Open: 4.6888 Close: 4.6863 Mid: 4.6905 | 27 |
28 | 29 Open: 4.6863 Close: 4.7074 Mid: 4.6969 | 30 Open: 4.7077 Close: 4.6916 Mid: 4.7005 |
May - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.6911 Close: 4.6811 Mid: 4.6861 | 2 Open: 4.6810 Close: 4.6950 Mid: 4.6880 | 3 Open: 4.6953 Close: 4.7078 Mid: 4.7083 | 4 | |||
5 | 6 Open: 4.7076 Close: 4.7149 Mid: 4.7124 | 7 Open: 4.7147 Close: 4.6958 Mid: 4.7053 | 8 Open: 4.6955 Close: 4.6859 Mid: 4.6894 | 9 Open: 4.6859 Close: 4.6903 Mid: 4.6806 | 10 Open: 4.6907 Close: 4.6978 Mid: 4.6949 | 11 |
12 | 13 Open: 4.6977 Close: 4.7088 Mid: 4.7032 | 14 Open: 4.7086 Close: 4.7172 Mid: 4.7117 | 15 Open: 4.7174 Close: 4.7500 Mid: 4.7337 | 16 Open: 4.7504 Close: 4.7511 Mid: 4.7535 | 17 Open: 4.7512 Close: 4.7592 Mid: 4.7517 | 18 |
19 | 20 Open: 4.7596 Close: 4.7653 Mid: 4.7625 | 21 Open: 4.7653 Close: 4.7672 Mid: 4.7671 | 22 Open: 4.7673 Close: 4.7719 Mid: 4.7706 | 23 Open: 4.7717 Close: 4.7671 Mid: 4.7708 | 24 Open: 4.7666 Close: 4.7760 Mid: 4.7686 | 25 |
26 | 27 Open: 4.7761 Close: 4.7878 Mid: 4.7820 | 28 Open: 4.7879 Close: 4.7898 Mid: 4.7920 | 29 Open: 4.7896 Close: 4.7696 Mid: 4.7796 | 30 Open: 4.7693 Close: 4.7748 Mid: 4.7682 | 31 Open: 4.7749 Close: 4.7758 Mid: 4.7732 |
June - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | ||||||
2 | 3 Open: 4.7760 Close: 4.7928 Mid: 4.7819 | 4 Open: 4.7935 Close: 4.7909 Mid: 4.7933 | 5 Open: 4.7908 Close: 4.7935 Mid: 4.7916 | 6 Open: 4.7938 Close: 4.7949 Mid: 4.7953 | 7 Open: 4.7950 Close: 4.7735 Mid: 4.7867 | 8 |
9 | 10 Open: 4.7731 Close: 4.7721 Mid: 4.7686 | 11 Open: 4.7722 Close: 4.7749 Mid: 4.7755 | 12 Open: 4.7750 Close: 4.8069 Mid: 4.7949 | 13 Open: 4.8065 Close: 4.7890 Mid: 4.7978 | 14 Open: 4.7889 Close: 4.7586 Mid: 4.7732 | 15 |
16 | 17 Open: 4.7588 Close: 4.7624 Mid: 4.7583 | 18 Open: 4.7626 Close: 4.7651 Mid: 4.7623 | 19 Open: 4.7651 Close: 4.7724 Mid: 4.7702 | 20 Open: 4.7723 Close: 4.7540 Mid: 4.7632 | 21 Open: 4.7536 Close: 4.7424 Mid: 4.7468 | 22 |
23 | 24 Open: 4.7420 Close: 4.7577 Mid: 4.7499 | 25 Open: 4.7578 Close: 4.7596 Mid: 4.7597 | 26 Open: 4.7595 Close: 4.7378 Mid: 4.7488 | 27 Open: 4.7376 Close: 4.7450 Mid: 4.7416 | 28 Open: 4.7449 Close: 4.7432 Mid: 4.7441 | 29 |
30 |
July - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7316 Close: 4.7472 Mid: 4.7435 | 2 Open: 4.7470 Close: 4.7554 Mid: 4.7474 | 3 Open: 4.7556 Close: 4.7808 Mid: 4.7691 | 4 Open: 4.7808 Close: 4.7862 Mid: 4.7835 | 5 Open: 4.7863 Close: 4.8037 Mid: 4.7949 | 6 | |
7 | 8 Open: 4.8038 Close: 4.8082 Mid: 4.8083 | 9 Open: 4.8045 Close: 4.7983 Mid: 4.8024 | 10 Open: 4.7982 Close: 4.8130 Mid: 4.8050 | 11 Open: 4.8134 Close: 4.8433 Mid: 4.8293 | 12 Open: 4.8431 Close: 4.8685 Mid: 4.8554 | 13 |
14 | 15 Open: 4.8684 Close: 4.8657 Mid: 4.8674 | 16 Open: 4.8656 Close: 4.8621 Mid: 4.8627 | 17 Open: 4.8623 Close: 4.8809 Mid: 4.8762 | 18 Open: 4.8808 Close: 4.8615 Mid: 4.8712 | 19 Open: 4.8611 Close: 4.8447 Mid: 4.8529 | 20 |
21 | 22 Open: 4.8447 Close: 4.8475 Mid: 4.8484 | 23 Open: 4.8477 Close: 4.8417 Mid: 4.8446 | 24 Open: 4.8417 Close: 4.8441 Mid: 4.8411 | 25 Open: 4.8440 Close: 4.8278 Mid: 4.8359 | 26 Open: 4.8273 Close: 4.8262 Mid: 4.8264 | 27 |
28 | 29 Open: 4.8263 Close: 4.8219 Mid: 4.8218 | 30 Open: 4.8221 Close: 4.8149 Mid: 4.8192 | 31 Open: 4.8150 Close: 4.8202 Mid: 4.8176 |
August - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.8204 Close: 4.7878 Mid: 4.8051 | 2 Open: 4.7872 Close: 4.8061 Mid: 4.7914 | 3 | ||||
4 | 5 Open: 4.8055 Close: 4.7930 Mid: 4.7965 | 6 Open: 4.7931 Close: 4.7671 Mid: 4.7824 | 7 Open: 4.7668 Close: 4.7745 Mid: 4.7710 | 8 Open: 4.7738 Close: 4.7766 Mid: 4.7686 | 9 Open: 4.7771 Close: 4.7875 Mid: 4.7823 | 10 |
11 | 12 Open: 4.7875 Close: 4.7922 Mid: 4.7901 | 13 Open: 4.7922 Close: 4.8199 Mid: 4.8061 | 14 Open: 4.8204 Close: 4.8180 Mid: 4.8226 | 15 Open: 4.8178 Close: 4.8211 Mid: 4.8206 | 16 Open: 4.8215 Close: 4.8493 Mid: 4.8354 | 17 |
18 | 19 Open: 4.8498 Close: 4.8700 Mid: 4.8599 | 20 Open: 4.8703 Close: 4.8875 Mid: 4.8789 | 21 Open: 4.8878 Close: 4.9081 Mid: 4.8976 | 22 Open: 4.9084 Close: 4.9126 Mid: 4.9150 | 23 Open: 4.9125 Close: 4.9535 Mid: 4.9329 | 24 |
25 | 26 Open: 4.9539 Close: 4.9492 Mid: 4.9515 | 27 Open: 4.9491 Close: 4.9697 Mid: 4.9592 | 28 Open: 4.9700 Close: 4.9507 Mid: 4.9619 | 29 Open: 4.9506 Close: 4.9424 Mid: 4.9489 | 30 Open: 4.9423 Close: 4.9284 Mid: 4.9369 | 31 |
September - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 4.9283 Close: 4.9321 Mid: 4.9302 | 3 Open: 4.9322 Close: 4.9187 Mid: 4.9255 | 4 Open: 4.9189 Close: 4.9324 Mid: 4.9257 | 5 Open: 4.9326 Close: 4.9445 Mid: 4.9386 | 6 Open: 4.9446 Close: 4.9310 Mid: 4.9436 | 7 |
8 | 9 Open: 4.9309 Close: 4.9106 Mid: 4.9208 | 10 Open: 4.9103 Close: 4.9067 Mid: 4.9114 | 11 Open: 4.9068 Close: 4.8956 Mid: 4.9040 | 12 Open: 4.8957 Close: 4.9121 Mid: 4.9030 | 13 Open: 4.9131 Close: 4.9280 Mid: 4.9220 | 14 |
15 | 16 Open: 4.9233 Close: 4.9549 Mid: 4.9391 | 17 Open: 4.9553 Close: 4.9466 Mid: 4.9531 | 18 Open: 4.9461 Close: 4.9630 Mid: 4.9586 | 19 Open: 4.9626 Close: 4.9816 Mid: 4.9727 | 20 Open: 4.9820 Close: 4.9933 Mid: 4.9877 | 21 |
22 | 23 Open: 4.9935 Close: 5.0046 Mid: 4.9938 | 24 Open: 5.0047 Close: 5.0229 Mid: 5.0138 | 25 Open: 5.0236 Close: 5.0113 Mid: 5.0214 | 26 Open: 5.0104 Close: 5.0242 Mid: 5.0136 | 27 Open: 5.0247 Close: 5.0222 Mid: 5.0233 | 28 |
29 | 30 Open: 5.0222 Close: 5.0213 Mid: 5.0261 |
October - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 5.0210 Close: 4.9824 Mid: 5.0014 | 2 Open: 4.9826 Close: 4.9799 Mid: 4.9833 | 3 Open: 4.9798 Close: 4.9255 Mid: 4.9512 | 4 Open: 4.9257 Close: 4.9273 Mid: 4.9361 | 5 | ||
6 | 7 Open: 4.9277 Close: 4.9135 Mid: 4.9187 | 8 Open: 4.9137 Close: 4.9169 Mid: 4.9166 | 9 Open: 4.9170 Close: 4.9085 Mid: 4.9133 | 10 Open: 4.9085 Close: 4.9020 Mid: 4.9065 | 11 Open: 4.9020 Close: 4.9088 Mid: 4.9055 | 12 |
13 | 14 Open: 4.9086 Close: 4.9008 Mid: 4.9034 | 15 Open: 4.9009 Close: 4.9063 Mid: 4.9072 | 16 Open: 4.9065 Close: 4.8824 Mid: 4.8945 | 17 Open: 4.8820 Close: 4.8853 Mid: 4.8819 | 18 Open: 4.8853 Close: 4.8990 Mid: 4.8928 | 19 |
20 | 21 Open: 4.8991 Close: 4.8814 Mid: 4.8903 | 22 Open: 4.8768 Close: 4.8735 Mid: 4.8764 | 23 Open: 4.8737 Close: 4.8614 Mid: 4.8688 | 24 Open: 4.8605 Close: 4.8721 Mid: 4.8670 | 25 Open: 4.8722 Close: 4.8727 Mid: 4.8743 | 26 |
27 | 28 Open: 4.8723 Close: 4.8744 Mid: 4.8742 | 29 Open: 4.8742 Close: 4.8822 Mid: 4.8762 | 30 Open: 4.8826 Close: 4.8755 Mid: 4.8782 | 31 Open: 4.8751 Close: 4.8423 Mid: 4.8604 |
November - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.8425 Close: 4.8596 Mid: 4.8534 | 2 | |||||
3 | 4 Open: 4.8589 Close: 4.8674 Mid: 4.8653 | 5 Open: 4.8674 Close: 4.8900 Mid: 4.8782 | 6 Open: 4.8905 Close: 4.8422 Mid: 4.8613 | 7 Open: 4.8419 Close: 4.8744 Mid: 4.8585 | 8 Open: 4.8747 Close: 4.8499 Mid: 4.8623 | 9 |
10 | 11 Open: 4.8500 Close: 4.8330 Mid: 4.8416 | 12 Open: 4.8331 Close: 4.7927 Mid: 4.8131 | 13 Open: 4.7925 Close: 4.7756 Mid: 4.7843 | 14 Open: 4.7756 Close: 4.7647 Mid: 4.7645 | 15 Open: 4.7645 Close: 4.7396 Mid: 4.7523 | 16 |
17 | 18 Open: 4.7402 Close: 4.7543 Mid: 4.7460 | 19 Open: 4.7546 Close: 4.7567 Mid: 4.7513 | 20 Open: 4.7569 Close: 4.7483 Mid: 4.7569 | 21 Open: 4.7484 Close: 4.7304 Mid: 4.7405 | 22 Open: 4.7301 Close: 4.7029 Mid: 4.7135 | 23 |
24 | 25 Open: 4.7049 Close: 4.7192 Mid: 4.7153 | 26 Open: 4.7192 Close: 4.7156 Mid: 4.7182 | 27 Open: 4.7161 Close: 4.7605 Mid: 4.7383 | 28 Open: 4.7605 Close: 4.7640 Mid: 4.7586 | 29 Open: 4.7641 Close: 4.7775 Mid: 4.7710 | 30 |
December - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 4.7784 Close: 4.7535 Mid: 4.7641 | 3 Open: 4.7536 Close: 4.7535 Mid: 4.7538 | 4 | 5 | 6 | 7 |
8 | 9 | 10 | 11 | 12 | 13 | 14 |
15 | 16 | 17 | 18 | 19 | 20 | 21 |
22 | 23 | 24 | 25 | 26 | 27 | 28 |
29 | 30 | 31 |
Compare Exchange Rates:
Know What the Best Exchange Rate Looks Like
Benchmark the exchange rate market with Pound Sterling Live's custom currency rate comparison tool with built-in algorithms to find the best rates in the market.
Banks and financial institutions buy and sell currency from each other - these sizeable institutions are 'the market' and the rate they transact at is the 'market rate'. The difference between how much a currency is purchased and sold is the spread, which is essentially the difference between the buy and sell price.
But, when currency is sold by banks to retail customers that spread widens significantly and the profit on the transaction is therefore substantially larger.
Therefore when we focus on the transfer fee when sending money abroad we often miss the biggest cost: the exchange rate spread.
Foreign exchange providers have essentially recognised this and they enter the market to transfer money at tighter spreads, thereby saving potentially significant amounts of money for their clients simply by providing better exchange rates.
For example, the transfer of £100K into euros is expected to attract a rate that delivers between €112,480 and €113,296 with the UK's leading high street banks. But FCA authorised providers will provide a rate that delivers between €115,510 and €115,740 (using rates on 05/07/21).
Taking the time to work with a FCA regulated currency provider could therefore result in the delivery of an extra euros amount of between €2444 and €3030.
Pound Sterling Live only works with foreign exchange payment companies that are FCA Authorised. This is important: FCA regulations and oversight requires the money they transfer on your behalf to be protected through a process known as 'safeguarding'. Safeguarding requires the payments company to keep your money separate from their own money in a top-tier bank. Therefore if the provider comes under stress your money should be protected.
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