How to send money to the United Arab Emirates (UAE)

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

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Sending money between the US and the United Arab Emirates (UAE) doesn’t have to be difficult or expensive. Between banks and money transfer companies, you have plenty of options to choose from when it comes to converting your dollars to dihram. Be sure to compare the fees you’ll be charged and familiarize yourself with the common exchange rates in order to get the most out of your transfer.


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Get the best foreign exchange rates available from this online marketplace.

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    Compare international money transfers to UAE

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 1 1 - 2 days USD 0.00 3.655 AED 18,273 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
    USD 1 1 - 2 days USD 70.00 3.673 AED
    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
    USD 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
    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.
    Go to site Show details
    USD 1,000 1 day USD 0.00 3.636 AED 18,181 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
    USD 5,000 1 day USD 0.00 3.636 AED 18,181 Venstar will support you through the entire process of your international transactions, from start to finish. 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.

    How do international money transfers work?

    International money transfers allow you to send US dollars to another country in its currency. If you have friends or family in the UAE, then transferring USD to AED makes it easy to help out when someone you love is in need. You can use cash, a credit card or transfer money directly from your bank account when you complete a transaction with a money transfer company. Your recipient can then pick up the cash in person or have the money deposited into their bank account. The process is generally quick, and if you compare fees and exchange rates ahead of time, it doesn’t have to be costly.

    Banks versus money transfer companies

    Because the UAE dirham. is traded globally, your bank will be able to easily transfer money between the US and the UAE. However, banks tend to have larger fees than money transfer companies, so your transaction will likely be more expensive through your bank. The exchange rates tend to be worse than money transfer companies. Generally, you’ll save more money and be able to transfer more dirham. when you go through a money transfer company instead of your bank.

    Case Study: Jenna Sends Money to the UAE

    Jenna’s husband Michael works in the oil industry in Dubai. With his birthday coming up, Jenna wants to send him a gift of $1,000 to spend as he wishes. Rather than pay the $50 transfer fee offered by her bank, she sees if she can find a cheaper alternative with one of the many money transfer companies online. She compares two to see which one offers the best deal.

    Money transfer company 1Money transfer company 2
    Exchange rate$1 USD = $3.672 AED$1 USD = $3.562 AED
    Transfer fee$5$14
    Transfer methodBank account depositBank account deposit
    Processing time2 business days1-2 business days
    Amount received (in AED)$3,672 AED$3,562

    As you can see, not only can Jenna send an extra $110 AED by using the

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    What to compare when looking at money transfer companies

    • Exchange rates. How do each company’s rates compare to those offered by other providers? Are they higher, lower or roughly the same when compared to the competition?
    • Fees. How much will you have to pay when you send a transfer? Can you avoid a transfer fee when you send a large amount of money?
    • Transfer methods. What options are available for making transfers: online, over the phone or at a branch? Is there a smart phone app available?
    • Transfer options. Can you lock in an ideal exchange rate now and transfer the money later, known as a forward contract? Does the institution offer limit orders, which allows you to take advantage of changing market conditions by executing the money transfer when a certain exchange rate is met? Can you schedule recurring payments?
    • Turnaround time. How long will it take for the funds you send to make it into your recipient’s bank account or wallet?
    • Minimum amount. Is there a minimum transfer limit you will have to meet?
    • Pickup methods. Will the funds be available for collection from a branch or will they be transferred straight into your recipient’s bank account?
    • Customer service. Are phone, email and/or online customer support offered?

    Foreign exchange rates explained

    Exchange rate is determined by the global political and economic climate. A currency may be strong or weak against another depending on how the country is doing. Because exchange rates fluctuate, the best way to get more dihr.m out of your dollars is to find the trends and make a transfer on a day where a US dollar is worth more UAE dihram.

    You can see the monthly trends of USD to AED here

    Options for sending money to the UAE from America

    • Bank transfers. You can safely and securely send funds from a U.S. bank account to an account in the UAE.
    • Online money transfer providers. There are plenty of trusted online money transfer companies that can send secure and affordable transactions.
    • Money transfer companies with cash pickup options. Consider companies that offer this service, such as Western Union, Ria and MoneyGram
    • Checks. International checks can be obtained from your bank and then mailed overseas.

    How to send money to the UAE

    Transferring money isn’t difficult, but it can be confusing if you’ve never done it before. Here are the steps you should follow when sending money from the US to the UAE.

    1. Compare the exchange rates and fees of the money transfer companies in the chart above.
    2. Click the Go to Site link and register with the provider.
    3. Enter your recipient’s information and confirm how much money you want to send.
    4. Pay for your transfer.
    5. Keep the tracking number close to make sure your transfer is completed successfully.

    That’s it. If your recipient is picking up cash, they will also need the tracking and confirmation numbers to complete the transaction.

    Tips for picking up cash in the UAE

    There are a few simple precautions you can take to ensure you and your money remain safe. Avoid any dangerous parts of town and make sure not to advertise the fact that you’re carrying around a large sum of cash. Ask a friend to come along when you pick up your cash, and as soon as you can, deposit your money into a secure bank account or safe.

    Emergency cash transfers to the UAE

    Although there are companies that are willing to make emergency transfers of USD to AED, be mindful that this is an expensive process that will have more fees and a worse exchange rate than the slower, more traditional process. You’ll have to pay extra to get the money to the UAE quickly, so if the transfer can wait, it’s best to compare your options and avoid unnecessary charges.

    Cash pickup locations in UAE

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    Read more on this topic

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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.


    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.


    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!


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