The United Arab Emirates (UAE) is home to the major and ultramodern city of Dubai and the tallest tower in the world, making this country a popular destination worldwide. Many Brits head to the UAE each year to visit Dubai, enjoying the range of extravagant attractions and luxury shopping malls the city boasts. But luxury doesn’t come cheap, so it’s worth knowing how you can use your UK credit card when you touch down in UAE.
Digital payments are on the rise in UAE, so you shouldn’t encounter many issues if paying with your credit card. However you should make sure that your credit card is either a Visa or Mastercard, as these are the most common networks. The currency used in UAE is the dirham (AED), but is often represented as ‘Dh‘ in many outlets.
The safest places in the UAE to withdraw money from are bank ATMs – some of which you will recognise, including Citi, HSBC and Barclays Bank. If you’re heading to any of the major cities and tourist destinations, such as Dubai, you will find ATMs in abundance – after all, it is the global finance capital. Plus, these international banks will give you a higher ATM withdrawal limit than local banks.
When withdrawing money, you should try to select an amount which will give you notes in smaller denominations when possible, as these machines typically dispense large bills which may be difficult to make payments with.
Cash in UAE
Although you shouldn’t have an issue finding ATMs or paying by card in most shops, restaurants or hotels whilst in any of UAE’s major cities, it is always worth carrying some spare cash with you. Transportation, such as taxi’s and buses, require cash payments – even in Dubai and Abu Dhabi. Plus, when making small purchases it is often simpler to pay using cash.
You should note that it is important to always ensure that your cash is not damaged, as most merchants may refuse to accept any damaged banknotes.
Chip and pin is the most common form of payment method in the UAE, exactly the same as in the UK. Simply insert your card and enter your 4 digit pin-code.
You should also note that some hotels in Abu Dhabi may require a credit card for deposits, which is why it is always essential to carry a combination of different payment methods while travelling.
Where possible, you may be able to use contactless payments. Just keep an eye out for the contactless payments symbol. If your credit card network is Visa, then the contactless limit in the UAE is Dh300. If your credit card network is Mastercard, then you will have to check with your bank, as individual banks may set different limits.
Is it safe to use my card in UAE?
By exercising some caution when using your credit card in UAE, you’ll have a relatively trouble-free experience.
Keep your PIN safe. Use one hand to enter the PIN and the other to shield it from prying eyes and hidden cameras.
Select ATMs with care. Try and stick to ATMs in banks and avoid using ones in the street.
Watch out for “skimmers”. When installed in an ATM, a card skimmer works by stealing information from credit and debit cards. If you feel the card slot is not as smooth as it should be or if there’s a problem with the keypad, cancel your transaction and look for another ATM.
Keeping your credit card (physically) safe
While crime rates are relatively low in the UAE, theft is one of the top crimes carried out in Dubai, so always remain alert and keep a close eye on your belongings. Whether you’re in a crowded tourist destination or on a peaceful beach, stay aware of your surroundings so that you don’t have to spend your holiday sorting out stolen or lost credit cards.
Potential credit card fees
Credit card fees can leave a noticeable dent in your pocket when you’re travelling overseas, so know what you’re up against well in advance and choose a card with no or low fees.
Foreign transaction fees
British credit card issuers typically charge a fee equivalent to 1% to 3% of your transaction, so carefully review your card’s fine print to avoid statement surprises. Some cards designed for travel come with no foreign transaction fees, so this could be a good time to switch.
If a retailer offers to bill your credit card in sterling, dynamic currency conversion comes into play. While this might sound like a good deal, you’ll actually end up getting a worse exchange rate, and you might also end up paying currency conversion fees. Whenever you’re presented with an option, choose to pay in the local currency.
Cash advance fees
Using your credit card to withdraw money from an ATM may not make sense unless it’s a bona fide emergency. Each time you withdraw funds from an ATM, you’re likely to pay a cash advance fee. Your APR for cash advances is typically higher than your purchase APR, and you’ll typically get no grace period on interest — instead, you start paying interest immediately. Again, some cards designed for overseas spending will waive this fee.
The table below serves as an example of how much extra you may pay to use your credit card for in UAE.
Additionally you can get an idea of costs by using these online currency conversion tools from Mastercard and Visa.
What is a cash advance fee?
A cash advance fee is calculated (and charged) when you withdraw cash from your credit card. It’s usually the greater of a flat fee or a percentage of the transaction. For example, “2.5% of the transaction, minimum £3.00”.
How to prepare before travelling to UAE
Go with Visa or Mastercard. Carry at least two cards on your trip to UAE, preferably connected with Visa or Mastercard. You can take an American Express card as a backup if you wish, although it is not as commonly accepted as Visa and Mastercard credit cards. Try to bring multiple cards to ensure you are prepared for any unforeseen circumstances.
Keep your bank posted. Banks, in their efforts to thwart fraudulent transactions, block credit cards if they detect suspicious activity such as unexpected overseas transactions. To make sure this does not happen to your card, let your bank know about your travel plans before you leave the UK.
Keep the emergency number handy. Know which numbers you’ll need to call if you end up losing your card or if you need an emergency replacement.
Know where you’ll get cash from. Consider using your debit card to withdraw cash from ATMs as you are less likely to incur the higher fees associated with credit cards. If you need to exchange money, stick to banks or official money-exchange offices because possessing counterfeit money in UAE is a serious crime. Try to avoid exchanging money at airports and popular tourist destinations because of typically poor exchange rates.
Ask yourself these simple questions before you leave so your spending in UAE does not hit any roadblocks.
Which cards will I take? Visa and Mastercard are your safest bet. If you’re planning a trip, check out cards which give you complimentary airport lounge access. If you’re planning well in advance, consider earning air miles for your trip with a frequent flyer credit card.
Have I let my bank know? If you don’t inform your bank about your travel plans, you may end up with a temporarily suspended card.
What fees do I need to pay? If your existing cards come with foreign transaction fees, look for one that does not. Paying in Sterling outside of the UK might come with currency conversion fees.
How will I get cash? Using your debit card at an ATM is the simplest way to access your own money. Most shops and restaurants won’t accept cheques. Exchanging Sterling to Euros is easy and you’ll get several options.
When you’re in UAE, particularly either in Dubai or Abu Dhabi, you have little reason to worry about where and when you can use your credit card. However, if you plan on making some small purchases or paying for transportation, then you should definitely keep some cash handy. Always double check with your bank before your departure to receive confirmation that you can use your card in the UAE.
We use banks to take care of all our other financial needs, so surely we should use them when sending an international money transfer, right? Not necessarily. While major UK banks offer money transfer services, they typically present less competitive exchange rates coupled with high transfer fees. Learn how to send money to UAE the smart way.
Visa is the most commonly used, with Mastercard at a close second.
There are no currency restrictions, although currency exceeding AED 100,000 or equivalent must be declared upon arrival.
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