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 New Zealand.

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Sending money between New Zealand 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 dirham. Be sure to compare the fees you’ll be charged and familiarise yourself with the common exchange rates in order to get the most out of your transfer.

XE Money Transfers

XE International Money Transfers

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    Compare international money transfers to UAE

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    NZD 250 1 day NZD 0.00 2.328 AED
    11,639
    SendFX guarantees to match any competitor's exchange rate. T&Cs apply.
    Fee-free transfers in 30+ currencies to over 200 countries.
    Go to site Show details
    NZD 1 Within an hour NZD 3.99 2.342 AED
    11,700
    An online money transfer service with cash pickup, bank account to bank account and airtime transfers available. Go to site Show details
    NZD 0 1 day NZD 0.00 2.328 AED
    11,639
    Send money in more than 60 currencies. Fee-free international money transfers with a global brand. Go to site Show details
    AUD 250 1 - 2 days NZD 15.00 2.328 AED
    11,604
    A higher exchange rate applies to non-finder customers. Send money in 45 currencies. No fee if you transfer over AUD$10,000. Go to site Show details
    NZD 2,000 1 day NZD 0.00 2.328 AED
    11,639
    TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply. Go to site Show details
    NZD 2,000 2 days NZD 0.00 2.328 AED
    11,639
    Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade only.
    A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
    Go to site Show details
    NZD 1 1 - 2 days NZD 75.00 2.351 AED
    11,580
    Make online transfers with transparent exchange rates, low fees and low minimum amounts. Go to site Show details
    NZD 5 1 - 2 days EUR 3.00 2.337 AED
    11,684
    Go to site Show details

    Compare up to 4 providers


    The “Rate” and “Amount Received” displayed are indicative rates that have been supplied by each brand or gathered by Finder.

    Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

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    How do international money transfers work?

    International money transfers allow you to send New Zealand dollars to another country in its currency. If you have friends or family in the UAE, then transferring NZD 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 New Zealand 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.

    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 rate1 NZD = 2.520 AED1 NZD = 2.447 AED
    Transfer fee$5$14
    Transfer methodBank account depositBank account deposit
    Processing time2 business days1-2 business days
    Amount received (in AED)2,515 AED2,433 AED

    As you can see, not only can Jenna send an extra $82 AED by using the first company, but she can also save $9 on transfer fee.

    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?
    • Pick-up 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?
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    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 dirham out of your dollars is to find the trends and make a transfer on a day where a NZ dollar is worth more UAE dirham. For example, in December 2018 1 NZD was worth about 2.52 AED.

    NZD to AED exchange rates

    Options for sending money to the UAE from New Zealand

    • Bank transfers. You can safely and securely send funds from a New Zealand 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 pick-up options. Consider companies that offer this service, such as Western Union and MoneyGram
    • Cheques. International cheques can be obtained from your bank and sent overseas.
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    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 New Zealand 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 NZD 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 pick-up locations in UAE

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