Hajj: A journey worth planning for
For South African Muslims, Hajj is a once-in-a-lifetime journey of deep spiritual significance, but it also requires serious financial planning.
With the total cost now reaching close to R200 000 per couple, preparing well in advance isn’t just wise, it’s essential. “While many people focus on the headline costs like flights and accommodation, it’s the hidden and unexpected expenses that often catch pilgrims off guard,” says Ameen Hassen, Head of Shari’ah Banking at Standard Bank. “From admin fees and visa processes in South Africa to meals, transport, and extras in Saudi Arabia, the financial side of Hajj can be overwhelming without proper guidance.”
Understanding the Costs
Standard Bank Shari’ah Banking has created a detailed Hajj toolkit to help Muslims prepare financially. It outlines probable costs in South Africa and Saudi Arabia – before, during and after Hajj – and includes savings guidelines.
How Much to Save
A basic Hajj trip (excluding luxury services) costs around R85 000 per person. So, if you want to travel comfortably – without any premium services – you can expect to pay around R200 000 per couple. With an average 8-year waiting period due to South Africa’s Hajj quota of 2 500 pilgrims per year, couples should aim to save R25 000 per year or R2 000 per month over those eight years.
Pre-Hajj Costs in South Africa
Before you leave, there are a few admin costs to cover including SAHUC registration to get on the waiting list and accreditation fees once accepted. The Hajj toolkit breaks down all of these.
You’ll also need to book your package before leaving South Africa, Travel agents offer various packages based on service level and accommodation. A 30% deposit is usually required within 2 weeks of accreditation, and the balance a month later.
Costs in Saudi Arabia
Many choose to arrive early for spiritual sightseeing and worship. Expect higher prices during this time, with added costs for meals, local transport, entry fees to sites, shopping and gifts.
During Hajj, the rituals last five to six days. Depending on your package, some essentials (like meals or transport) might not be included. Also prepare for extra costs like taxi or e-hailing costs (e.g. Uber or Careem).
Leaving Saudi Arabia post-Hajj can be stressful due to the crowds. Some opt for private transfers to the airport, which can cost thousands of rands but provide much-needed comfort and convenience.
Saving Smart with Standard Bank
Standard Bank offers a range of Shari’ah-compliant savings options, ideal for both short- and long-term goals. The Shari’ah Call Account, for example, offers profit rates from 4% to 7.5%, helping your savings grow in line with inflation.
For those with lump sums, starting early can help upgrade parts of the journey or reach the goal sooner and our Shari’ah Fixed Deposit Account is ideal for these sorts of lump sums. To avoid exchange rate shocks and high fees, it’s best to buy your forex in advance. Standard Bank’s Shyft app allows users to buy, store, send and spend foreign currency easily, without carrying large amounts of cash or visiting a forex bureau.
Planning for Hajj goes beyond booking a trip. It’s about preparing your heart and your finances. The Standard Bank Hajj Toolkit offers everything you need to budget confidently, save strategically, and focus on your spiritual journey.
Download the toolkit here now and start your Hajj savings journey the right way.