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Find the best way to send money to United Arab Emirates

Find the best way to transfer money from the United States to United Arab Emirates.

Looking for the best way to send money from the United States to family, friends or businesses in United Arab Emirates (or even to your own overseas bank account)?

Don't head straight to your American bank – compare specialist money transfer services instead. They nearly always offer better AED exchange rates and lower fees, so for the same amount of US dollars you send, your recipient will receive more Emirati dirhams.

Of the companies we've compared, Revolut is among the cheapest, with competitive exchange rates and fees starting from $0. Need a really fast transfer? Wise (TransferWise) can get money to your recipient in United Arab Emirates within minutes.

Best ways to send money to United Arab Emirates from the US

The best way to send money to United Arab Emirates depends on your payment method, how you want your money to be received and how fast you need it to arrive.
  • Online money transfer provider. When buying US dollars or Emirati dirhams money transfer specialists typically offer better rates and cheaper fees than a local bank.
  • Bank transfer. Bank transfers are an easy way to send money to United Arab Emirates but they charge extra for the convenience and are often slower than other methods. US banks generally add a 3% to 6% markup onto exchange rates.
  • Mobile wallet. Essentially an electronic wallet service, mobile wallets allow users to store, send and receive eligible currencies using their phone, often with fees attached.

Compare the best money transfer companies to send money to United Arab Emirates

Use our table to compare the best money transfer companies to send money to United Arab Emirates. You can compare deposit and receiving options, fees and transfer speeds, then click the "Go to site" button when you've found the best one to get your money to United Arab Emirates.
1 - 10 of 10
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Revolut
Revolut
Within minutes
From $0
Revolut offers international exchange rate for over 150+ currencies and transfers within 30 minutes.
OFX International Money Transfers (Business)
24 hours
$0
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
Revolut
Revolut
Within minutes
From $0
Revolut offers international exchange rate for over 150+ currencies and transfers within 30 minutes.
Xe Money Transfer for Business
24 hours
$0
Save your time and money with Xe Money Transfer for business.
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Currencies Direct (business)
24 hours
$0
Minimizes costs of international transactions and offers custom solutions for business clients. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.
Xe
Within minutes
$3
Xe has fast transfers with low fees and a range of foreign currency tools.
Revolut
Revolut
Within minutes
From $0
Revolut offers international exchange rate for over 150+ currencies and transfers within 30 minutes.
Currencies Direct
24 hours
$0
CurrenciesDirect makes transferring money abroad simple with bank-beating exchange rates. Currencies Direct may call you to confirm your transfer, so be prepared for a phone call shortly after initiating a transfer.
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Cheapest way to send money to United Arab Emirates

Bank transfers are typically the cheapest way to get your money to United Arab Emirates. Revolut and Wise (TransferWise) have some of the lowest bank transfer fees of the brands we've compared.

When you're hunting down the cheapest ways to send money to United Arab Emirates, it's more important to look at the overall cost of your transfer. This has a couple of elements:

  • Transfer fees. While still cheaper than your American bank, some money transfer services charge either a fixed or percentage-based fee for making your transfer.
  • Exchange rates. Another way money transfer providers make money is to add a margin to the mid-market USD/AED exchange rate.

Some providers may charge the mid-market rate but add fees on top. Others may have very low fees but apply a markup on the exchange rate. This means it is important to compare exactly how many Emirati dirhams your recipient will end up with.

Fastest way to send money to United Arab Emirates

Many online providers can offer transfers to United Arab Emirates within minutes, although you're likely to pay a premium for the convenience.

Here are some of the fastest average transfer speeds to United Arab Emirates:
  • Wise (TransferWise) — within minutes
  • Revolut — within minutes

Actual transfer times from the United States to United Arab Emirates can depend on several different factors including transfer amount, payment method and currency.

Safest way to send money to United Arab Emirates

The safest way to get your money to United Arab Emirates is to use a provider registered with the United States's industry regulator, the Consumer Financial Protection Bureau. All of the companies we've compared in our table are overseen by a local regulator and comply with the relevant laws and regulations in both the United States and United Arab Emirates.

A great way to dive deeper is by reading our extended reviews of each transfer service and researching first-hand customer feedback on Trustpilot and similar platforms.

Large money transfers to United Arab Emirates

If you need to make a sizable money transfer to United Arab Emirates, consider using a provider such as OFX or Xe to benefit from its expertise in handling larger transfer amounts.

Using a large transfer specialist can have the following advantages:
  • Tax guidance. Large transfers to United Arab Emirates may have tax implications for you or your recipient. A transfer specialist can help get you up to speed on IRS's latest advice.
  • Foreign exchange (forex) tools. Advanced tools such as forward contracts, limit orders and stop-loss orders can help you lock in the AED exchange rate you want.
  • Account manager. Some money transfer providers assign a personal account manager who can help and advise you on your transfer needs.
  • Phone service. If you want to talk your transfer through with someone, providers such as Wise (TransferWise) and OFX International Money Transfers (Business) can give you support over the phone.

How to send money to United Arab Emirates from the US

To send money to United Arab Emirates, you'll need the necessary documentation, your recipient's details and a way to pay.

  1. Compare your options.
    Use our table to find a money transfer provider that sends funds to United Arab Emirates. One may be better for cash pickups while another may suit a bank transfer. Once you've found the best one for your requirements, click "Go to site".
  2. Create an account.
    You'll need to give your name, address, contact details, proof of ID and method of payment.
  3. Provide your recipient's details.
    Enter your recipient's name and contact information. If you're sending straight to their Emirati bank account, you'll need the account number, SWIFT or IBAN plus their bank branch's address.
  4. Enter your transfer amount.
    Check you're happy with the fees, exchange rates and transfer speed, then enter the amount you wish to send. Double-check the total Emirati dirhams your recipient gets.
  5. Complete your transfer.
    Send your money transfer to United Arab Emirates. Keep your transaction reference number safe so you can track your transfer. Your recipient may need it too.

How to choose the best money transfer companies to send money to United Arab Emirates

When choosing a money transfer provider to send money from the United States to United Arab Emirates, it's important to consider the cost, how you want your recipient to receive the funds and the turnaround time. Here are other features to review:

  • Exchange rates. Banks and transfer services use the mid-market rate to trade with one another. It is the best rate you can get. However, not all money transfer providers offer you this mid-market rate so compare the AED you're offered to the mid-market rate and look for the smallest difference.
  • Transfer fees. Are you being charged a flat fee or a percentage of your transfer amount? For example, a provider offering to transfer your money to United Arab Emirates for a flat or low fee might work out better if you plan to send a large amount.
  • Transfer type. Does your recipient have an Emirati bank account or is cash or cell phone top-up a better option? Each transfer type will have different fees. For example, instant cash pickups tend to be more expensive than bank transfers.
  • Transfer speed. If you need your transfer to arrive quickly, you can pay for an express delivery. Some companies offer instant cash pickups but may charge more. If you're not in a rush, online money transfer services offer the best value and get your money to United Arab Emirates faster and cheaper than banks.
  • Transfer limits. Find out how much you can send with each service. For example, Wise (TransferWise) has a transfer limit of $20,000,000 while Revolut allows transfers up to $999,999,999.
  • Discounts. Some providers may offer you a free transfer simply for signing up. Others may offer a discount if you transfer more than a specific amount of Emirati dirhams.

Frequently asked questions