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Send money to the United Arab Emirates (UAE)

Find the best exchange rates when you want to transfer money to the United Arab Emirates from the United States.

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  • Competitive exchange rates
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The best way to send money to the United Arab Emirates depends on your payment method and transfer needs. OFX offers low fees on large transfers, while Ria is cheap for smaller transfers. Look to WorldRemit for fast delivery and MoneyGram for cash pickups. Compare a range of digital money specialists for better deals than you’ll find at your bank.

Compare international money transfers to UAE

Use the table to see how sending speeds, exchange rates and fees all come into play for your transfer to the UAE.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 1,000 1 - 2 days USD 0.00 3.636 AED 18,181 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
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$1 Same day USD 0.00 3.656 AED 18,282 XE offers fast transfers with no fees and a range of foreign currency tools. Go to site Show details
$1 1 - 2 days USD 70.00 3.673 AED
18,108
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
$1 Within an hour USD 3.99 3.658 AED 18,273 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

What’s the best way to send money to the UAE?

Online money transfer providers typically offer the strongest exchange rates and lowest fees on money transfers to the UAE. Some offer transfers straight to UAE-based bank accounts, while others allow the money to be picked up in dirham in person. Banks, PayPal and other options are available but come with high fees, weak rates and longer turnaround times.

Digital money transfer services

Companies like OFX and CurrencyTransfer specialize in foreign currencies, making them some of the most cost-effective transfers. Most offer transfers directly to your recipient’s UAE bank account, often in as little as a day or two.

Cash transfers

Services like MoneyGram allow you to transfer cash for pickup at a local branch in the UAE — often in 15 minutes. While it’s a fast way to send money, you’ll pay for the convenience in weak exchange rates and high fees. Compare MoneyGram to digital services like WorldRemit or XE when possible to get the best deal.

Banks

Dirham probably aren’t carried at your local bank. Even if your local bank can convert your US dollars into UAE dirham, beware of high fees and wide margins on the exchange rate compared to digital and other options.

Let’s crunch the numbers: Sending $1,000 to the UAE

Let’s say you need to send $1,000 to friends or family in the United Arab Emirates. Here’s what you might face as far as fees and exchange rates as of March 11, 2020.

Digital money transfer service Cash transfer Bank transfer
Fee $0 $3.99 $25 + additional correspondent bank fees
Exchange rate 1 USD = 3.655 AED 1 USD = 3.655 AED 1 USD = 3.435 AED
Transfer speed 1-2 day Minutes 2-5 days
Amount received AED 3,655 AED 3,640 AED 3,349
Verdict
  • Best value
  • Fastest
  • Slowest and most expensive

The bank option ends up being both the slowest and gets the smallest amount of money to your recipient. If you go with the digital money transfer service, your recipient ends up with AED 306 more than the bank offers. If speed is crucial, a cash transfer can typically have your transfer to the United Arab Emirates in as little as 15 minutes for just a slightly higher fee.

How to send money to the United Arab Emirates online

Sign up and send money with a digital money transfer specialist in four steps:

  1. Sign up for an account. Pick a provider and sign up for a free online account using your contact information, proof of ID and your preferred payment method.
  2. Provide transfer details. Submit your recipient’s contact information and pick a delivery method. If you’re transferring to a bank, you’ll need your recipient’s UAE bank account details.
  3. Confirm transfer details. Double-check your payment method, expected fees and destination.
  4. Save your receipt. Record your receipt’s confirmation number to track the progress of your transfer to the United Arab Emirates. Some money transfer providers send a text or email when your transfer is complete.

How to get the most out of your money transfer to the UAE

Weigh costs and fees against convenience, and learn how to compare money transfer providers that send to the United Arab Emirates to meet your needs:

  • Exchange rates. The USD-AED relationship fluctuates daily, so using a service that allows you to lock-in exchange prices may help you save money down the line if exchange rates take a turn for the worse in the future.
  • Transfer fees. Transferring money overseas nearly always requires fees, but they might be hidden in the exchange rate. When sending large amounts, it may be cheaper to pay a flat fee to secure a stronger exchange rate.
  • Transfer limits. How much you can send varies by company, and different amounts can attract higher or lower fees. Shop around for the best deal on the amount of AED you’re sending.
  • Turnaround. Transferring money through a local bank can take a business week or longer. If you need the funds delivered quickly, seek out a digital specialist that offers instant transfers to the UAE.
  • Maximum limits. When exchange rates are favorable, sending more money can save you money in the future. If you plan to send large amounts of money to the United Arab Emirates, be sure to pick a provider that won’t limit you.
  • Transfer methods. Whether you want money sent to a UAE bank account or picked up as cash at a local agent, narrow down a company that matches your preferred delivery method.

Emergency cash transfer to the UAE

When it’s more important to get your money to the UAE quickly, look for money transfer companies that support cash pickup in minutes. You can pay with a credit or debit card for fast pickup, but fees are higher than other methods.

How to send money to the UAE without a bank account

Cash transfer services can help you if you’re unbanked or marginally banked. If you don’t have a bank account, look for a local company that supports storefronts for cash payments. These services include agent locations in other countries that allow your recipient to pick up cash without a bank account.

UAE’s exchange rates explained

The exchange rate determines how much one country’s currency is worth in another country’s currency. When a country’s currency is strong, it yields more money when exchanging it in a country with a weaker currency. The UAE’s exchange rate often fluctuates when compared to the US dollar, so expect exchange rates today to be different than those you’ll see tomorrow. Factors that influence the exchange rate include interest rates, economic stability and inflation.

Today’s exchange rate USD to AED

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0
Updated: 05 Dec 2020 16:06:06 UTC

Documents needed for sending to and receiving money in the United Arab Emirates

To send money to the UAE from the US, you’ll need a government-issued ID and other documents, while documents needed to pick up money in the UAE may be different by company.

Documents to send money from the US

To send money from the US to the UAE, you’ll need documentation and details that include:

  • Identification. Most services require a driver’s license, passport or other government-issued ID. Some services allow you to send transfers without ID, but they may require your SSN.
  • Payment method. Your service may accept credit or debit cards, cash, bank accounts or personal checks.
  • Recipient information. Submit your recipient’s name as it appears on their ID, along with their phone number, UAE bank account and routing number if sending to their bank.

Documents to receive money in the UAE

To pick up money in person, documentation can include:

  • Transfer number. The person sending you money can forward the transfer’s confirmation details — called a PIN, a MTCN, a reference number or a tracking number, depending on the company.
  • Government-issued ID. An Emirates ID that is issued by the Federal Authority For Identity and Citizenship may be required to pick up UAE dirham in person.
  • Amount sent. You may need to know how much was sent, usually within 10% of the total.
  • Sender’s information. Take along your sender’s full name, the sending country and their address, if known.

What to watch out for

Most money transfers between the United States and the UAE shouldn’t have any specific tax obligations attached to them, so long as they are for personal use and kept under $10,000 USD.

Learn more about using the UAE dirham in the UAE

Bottom line

Sending your hard-earned money to the UAE shouldn’t cost a fortune. Compare transfer companies that specialize in foreign for the strongest rates, lowest fees and flexible delivery. For transfers to other countries, rely on our country specific guides the next time you need to make a transfer.

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6 Responses

  1. Default Gravatar
    KabirNovember 20, 2018

    How many days can I pick up the money sent from the USA to UAE by Moneygram?

    • Avatarfinder Customer Care
      JhezNovember 20, 2018Staff

      Hello Kabir,

      Thank you for your comment.

      Usually, for Moneygram cash transfers, the transfer will take within the day. Please note that there are many factors affecting transfer times. You can find out more about transfer durations here.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  2. Default Gravatar
    HaironNovember 13, 2018

    Hi, I would like to ask if what the requirements for receiving money from California to the United Arab Emirates to any bank, for example, WesternUnion?

    • Avatarfinder Customer Care
      JhezNovember 14, 2018Staff

      Hello Hairon,

      Thank you for your comment.

      The required documents when picking up the money are any of the Government-issued ID’s, passport, Driver’s license and other ID’s. Generally, you’ll need to provide specific personal information to establish your identity. These are along with the details of the transfer from your sender.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.

      Regards,
      Jhezelyn

  3. Default Gravatar
    LhakpaJuly 17, 2018

    Hi is it possible to send money from Bhutan to uae?

    • Avatarfinder Customer Care
      nikkiangcoJuly 18, 2018Staff

      Hi Lhakpa!

      Thanks for getting in touch with finder.

      Yes, it is possible to send money from Bhutan to UAE. Unfortunately, we don’t have any information available for international money transfers coming from Bhutan, you may refer to the web for facilities that cater transfers from Bhutan to UAE. Just the same, here is a page regarding international money transfers that may be of great help to you.

      Hope this helps!

      Nikki

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