💸 What is the best way to send money to India from the UAE?

Wise is your best option for sending money to India from Dubai, Abu Dhabi or one of the other Emirates. Wise is a fast, safe, easy-to-use online money transfer provider that’s trusted by millions of people around the world. It’s simple to send UAE dirhams from a bank account in the UAE and receive rupees into an Indian bank account. Wise also offers low transfer fees and the best UAE exchange rates.

💰 What are the charges and costs to transfer money from the UAE to India?

There are several ways that you might be charged to send money to India from the UAE. Fixed fees that you pay on any transfer. UAE banks often charge in this way. Hidden costs in the UAE dirham exchange rate. This is where your bank or another provider charges you more to transfer money by giving you a worse exchange rate than they can get. Commission charges based on the amount you’re sending to India. You want to pay the lowest costs, and the Monito comparison tool compares money transfer providers to keep your fees to a minimum.

🏦 What is the cheapest way to send money from the UAE to India?

If you want to pay low fees and get the best exchange rates between dirhams and rupees, you should use a specialist money transfer provider. A UAE bank will probably charge you a high fixed fee, and you will get much worse exchange rates than a provider like Wise. We also recommend avoiding services like PayPal or Xoom as there are hidden charges which means your money transfer will be expensive. If you send money from the UAE to India with Wise, you’ll pay a fee of less than 1.5% of the total amount you transfer. For example, if you’re sending 1,000 AED to INR, you can expect to pay around 15 dirhams in fees.

How do I send money online to India from the UAE?

Specialist money transfer providers let you make and track all your UAE to India transfers through a website or mobile application. Here’s how it works: Compare and find the cheapest UAE to India money transfer provider on Monito. Choose which money transfer provider you want to use to send UAE dirhams. Sign up for an online account with the provider. Enter your personal details like your name, address, and bank information. Decide on how much you want to send to India. Create a transfer with the money provider. Get the bank details of the person or organization you want to send money to./ You will need their 8 or 11-digit SWIFT/BIC code and their 23-character International Bank Account Number (IBAN). Pay for your transfer. Depending on your provider, you might use a bank transfer, credit card, or debit card. The provider will convert your money between UAE dirhams and Indian rupees. The beneficiary will get the money in their bank account. You can send money directly through a provider’s website, or by downloading their dedicated mobile app. Please note that many money transfer providers won’t let you send AED from a business bank account.

How do I send money without an Emirates or UAE ID?

Money transfer providers do need you to prove your identity before sending money from the UAE to India. Some providers will accept documents besides an Emirates ID as proof. For example, Wise allows you to use your passport to prove your identity. You will need to take a photo of yourself holding the passport and upload it as part of opening an account. If you have a UAE ID you can use that instead. In some cases, you may also need to provide proof of your address.

What is the best time to send money to India from the UAE?

The best days to send transfers from the UAE to India are between Sunday and Thursday. The earlier in the week you can start the transfer, the sooner the beneficiary will receive it. If you start a transfer later in the week, or on a Friday or Saturday, your transfer may be delayed by the weekend. The earlier in the day (UAE time) that you can send money, the sooner it is likely to get to the beneficiary. Typically, a money transfer provider will wait for your payment before converting money, and that can take around a day. Converting the money itself normally takes a couple of days, and then it might take a couple of days to get to the Indian bank account.

How much money can I send to India from the UAE?

You can normally send up to around 235,000 UAE dirhams when you pay by bank transfer, that’s over 4.5 million Indian rupees. If you want to pay with a credit or debit card, you can send up to 15,000 AED (around 300,000 INR) if you’ve never sent dirhams by bank transfer before. If you have already used bank transfer, you can send up to 47,000 AED (over 950,000 INR) with a debit or credit card.

Do I have to pay taxes on a transfer from the UAE to India?

You won’t normally need to pay tax on the money you send to India if you’ve paid tax on it in the UAE. India has signed the Double Taxation Avoidance Agreement with 85 other countries, including the UAE, which means if you’ve already paid tax, you won’t be charged tax again when you send the money to India. You may need to pay a small “service tax” when you transfer money to India, but this is a very small amount. Note that in some cases, the recipient of the money may need to pay taxes on the money they get, including a “Gift Tax.” We recommend checking with a specialized accountant on what your, or their, tax liability might be.

Find the best ways to send money to India from UAE

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Top Providers For transfers from UAE to India

Based on 7,112 comparisons made by Monito users in the past 3 months.

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Best for Transfers to a Bank Account

Cheapest
9.3

Cheapest

in 85% of all comparisons
Top rated

in 85% of all comparisons
Go to Remitly
Fastest
8.2

Fastest

in 100% of all comparisons
Go to Skrill

Best of 5 providers. Compare all

Best for Transfers to Cash Pickup

Top provider
9.3

Cheapest

in 100% of all comparisons
Top rated

in 100% of all comparisons
Fastest

in 100% of all comparisons
Go to Remitly
Cheapest

in 100% of all comparisons
Top rated

in 100% of all comparisons
Fastest

in 100% of all comparisons

Best of 1 provider. Compare all

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1 AED = INR Mid-market exchange rate

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25M+ comparisons made

With more than 7 million searches per year, Monito's real-time comparison engine is a world leader in comparing international money transfer services.
$80M+ in transfer fees saved

By choosing a transfer service found on Monito, the average user pays a total of just 0.59% in fees and exchange rates. Compared to the 4.6% paid at a bank or traditional cash transfer service, Monito users have saved around $80 million in total to date!
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For every service appearing on Monito, our experts build in-depth reviews using dozens of verifiable criteria to make clear, actionable recommendations to guide your decisions.
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Far too often, sending money abroad is both pricey and problematic. That's exactly why our team of experts works tirelessly to offer the most in-depth, up-to-date, and helpful consumer advice.

Monito's Recommendations for Sending Money from UAE to India

Advertiser disclosure

Today's cheapest money transfer service might not be the cheapest tomorrow. Find the one that's best-suited to your needs and preference by comparing the best performers on Monito's comparison engine over the past 30 days for transfers from UAE to India:

Best Ways to Send Money from UAE to India

The best rated: Remitly (9.3/10)
The cheapest: Remitly
The fastest: Remitly
The fastest (transfer to a bank account): Skrill

About Money Transfers from UAE to India

Monito compares 5 providers offering international money transfer services from UAE to India. The total cost of the cheapest available option at any given point in the past month was -1.7% of the transferred amount. In comparison, the total cost of the most expensive provider was on average 8.0%.

💸 Number of providers	5
🏆 Most often cheapest provider	Remitly
💰 Average Lowest Total Cost	-1.7%
💰 Highest Total Cost	8.0%
👍 Recommended Providers	Remitly, Skrill, Paysend, CurrencyFair, Moneycorp
⚡ ️Fastest Transfer Time	In minutes
💳 Pay-in Options	Debit card, International bank transfer, Credit card, Bank transfer
💵 Pay-out Options	Bank account, Mobile wallet, Cash pickup, Bank account (via international transfer), Card
💸 Most transferred amount	1000 AED

Ishant Mishra, Unsplash

How to Transfer Money from Dubai to India

Advertiser disclosure

If you are wondering how to send money from Dubai to India, Monito's comparison tool has the answer. With Monito, you can compare exchange rates, fees, and delivery times from different providers to find the best deal for you.

To transfer money from Dubai to an Indian bank account, you can choose from several options, including bank transfers, wire transfers, and cash pickups. However, it's important to consider the exchange rates, fees, and delivery times before making a decision. With Monito, you can compare different providers and find the most affordable and reliable option.

Best Ways to Send Money to India From Dubai/UAE

The best way to transfer money from UAE to India depends on your specific needs and preferences. Consider factors such as exchange rates, fees, delivery times, and customer service when choosing a provider.

For instance, in case of a wire transfer, the transaction takes place over the SWIFT network, an international funds transfer protocol which allows banks worldwide to exchange money with one another. You can read more about wire transfers in our guide.

However, the major drawback of a wire transfer is that the SWIFT network charges banks to use it, and much of this cost is then passed on to the customer, making this method rather expensive.

Luckily, you can circumnavigate this added expense by making a simple bank transfer to an international money transfer specialist’s local bank account.

While choosing from these options may seem intimidating, Monito's comparison tool helps you easily compare different providers and find the best option for you.

Cheapest and Quickest Ways to Transfer Money From Dubai to India

If you're looking for the cheapest way to send money from Dubai to India, consider using online money transfer services such as Remitly, Paysend, Skrill and CurrencyFair. These providers offer competitive exchange rates and low fees, making them a great choice for cost-conscious customers.

Here are more details about the top three services:

Remitly

Remitly allows users to pay by credit or debit cards, with funds being delivered to a bank account in India within the same day.

9.3

Go to Remitly

Remitly was the fifth cheapest service for bank transfers from Dubai to India in the last three months. However, currently, Remitly provides the cheapest and quickest service for Dubai to India money transfer via bank. Now, there is nothing called free lunch, as they say. However, Remitly offers just that -- free online money transfer from UAE to India. No fee, and a 2.41% better exchange rate compared to the mid-market rate!

Paysend

Paysend also enables free bank transfer via credit or debit card payments, making it one of the best ways to transfer money from the UAE to India.

8.8

Go to Paysend

Paysend remains the second cheapest service with an exchange rate lower than the mid-market rate by 2.03%, but is currently the third fastest, taking 2 days to reach the recipient account.

Skrill

Skrill is another free online money transfer from UAE to India, offering bank transfer service via credit and debit cards.

8.2

Go to Skrill

However, the exchange rate offered is currently 2.42% worse than the mid-market rate, which makes it the third cheapest bank transfer service. Coming to speed, the service takes the second place as it ensures the money reaches the Indian recipient account the next day.

Cash Pickup Transfers from UAE to India

While Monito doesn't offer cash pickup services itself, it partners with a number of reputable money transfer providers that do.

To send money from Dubai to India via cash pickup, you can follow these steps:

Visit the Monito website and enter the amount you want to send and the destination country (India).
Choose the cash pickup option from the list of transfer methods available.
Select the transfer provider that best meets your needs and preferences, based on factors such as exchange rates, fees, and transfer speed.
Provide the recipient's details, including their full name, address, and phone number, as well as any other information required by the transfer provider.
Choose how you want to pay for the transfer, such as by bank transfer or credit card, and initiate.
Once the transfer is complete, the recipient can go to a designated cash pickup location in India, such as a bank or a money transfer agent, to collect the funds. They will typically need to provide a valid form of identification, such as a passport or driving license, as well as a transaction reference number or code provided by the transfer provider.

It's important to compare the fees and exchange rates offered by different transfer providers, as they can vary widely and have a significant impact on the total cost of the transfer. Additionally, be sure to choose a reputable and trustworthy transfer provider to ensure the safety and security of your money. Remitly is currently the cheapest, fastest, and most secure service for cash pickups from Dubai to India.

Limits and Tax Implications on Dubai to India Money Transfers

If funds are transferred to an NRE (non-resident external) account, there is no cap on Dubai to India money transfer amounts. Also, the interest earned from an NRE account is tax-free.

Now, coming to sending money to friends and family, no tax is levied on funds transferred to spouses, children, parents, or parents-in-law. However, if you wish to send money to other relatives or friends, an amount over Rs 50,000 per year will be taxed in the hands of the receiver. Considering these, it may be wise to choose to use one of the aforementioned best ways to transfer money from UAE to India to make a bank transfer to an NRE account.

Charges to Consider While Sending Funds to India from Dubai

When sending money from Dubai to India, you will be charged a fee by the provider you choose. This fee can vary depending on the provider and the amount you are sending. You may also be charged an exchange rate markup, which can affect the total amount received by your recipient.

Several factors can influence the cost of sending money from Dubai to India, including the provider you choose, the amount you are sending, the delivery time, and the collection option. It's important to consider these factors and compare different providers to find the most affordable and reliable option.

In conclusion, sending money from Dubai to India is easy and convenient with Monito's comparison tool. Consider your specific needs and preferences when choosing a provider, and compare different options to find the best deal. With Monito, you can send money to India with confidence and peace of mind.

FAQ About Money Rransfers from the UAE to India

💸 What is the best way to send money to India from the UAE?

Wise is your best option for sending money to India from Dubai, Abu Dhabi or one of the other Emirates. Wise is a fast, safe, easy-to-use online money transfer provider that’s trusted by millions of people around the world. It’s simple to send UAE dirhams from a bank account in the UAE and receive rupees into an Indian bank account. Wise also offers low transfer fees and the best UAE exchange rates.
💰 What are the charges and costs to transfer money from the UAE to India?
There are several ways that you might be charged to send money to India from the UAE.
- Fixed fees that you pay on any transfer. UAE banks often charge in this way.
- Hidden costs in the UAE dirham exchange rate. This is where your bank or another provider charges you more to transfer money by giving you a worse exchange rate than they can get.
- Commission charges based on the amount you’re sending to India.
You want to pay the lowest costs, and the Monito comparison tool compares money transfer providers to keep your fees to a minimum.
🏦 What is the cheapest way to send money from the UAE to India?

If you want to pay low fees and get the best exchange rates between dirhams and rupees, you should use a specialist money transfer provider. A UAE bank will probably charge you a high fixed fee, and you will get much worse exchange rates than a provider like Wise. We also recommend avoiding services like PayPal or Xoom as there are hidden charges which means your money transfer will be expensive.
If you send money from the UAE to India with Wise, you’ll pay a fee of less than 1.5% of the total amount you transfer. For example, if you’re sending 1,000 AED to INR, you can expect to pay around 15 dirhams in fees.
How do I send money online to India from the UAE?
Specialist money transfer providers let you make and track all your UAE to India transfers through a website or mobile application. Here’s how it works:
1. Compare and find <link> the cheapest UAE to India money transfer provider on Monito.
2. Choose which money transfer provider you want to use to send UAE dirhams.
3. Sign up for an online account with the provider.
4. Enter your personal details like your name, address, and bank information.
5. Decide on how much you want to send to India.
6. Create a transfer with the money provider.
7. Get the bank details of the person or organization you want to send money to./ You will need their 8 or 11-digit SWIFT/BIC code and their 23-character International Bank Account Number (IBAN).
8. Pay for your transfer. Depending on your provider, you might use a bank transfer, credit card, or debit card.
9. The provider will convert your money between UAE dirhams and Indian rupees.
10. The beneficiary will get the money in their bank account.
You can send money directly through a provider’s website, or by downloading their dedicated mobile app. Please note that many money transfer providers won’t let you send AED from a business bank account.
How do I send money without an Emirates or UAE ID?

Money transfer providers do need you to prove your identity before sending money from the UAE to India. Some providers will accept documents besides an Emirates ID as proof. For example, Wise allows you to use your passport to prove your identity. You will need to take a photo of yourself holding the passport and upload it as part of opening an account. If you have a UAE ID you can use that instead. In some cases, you may also need to provide proof of your address.
What is the best time to send money to India from the UAE?

The best days to send transfers from the UAE to India are between Sunday and Thursday. The earlier in the week you can start the transfer, the sooner the beneficiary will receive it. If you start a transfer later in the week, or on a Friday or Saturday, your transfer may be delayed by the weekend. The earlier in the day (UAE time) that you can send money, the sooner it is likely to get to the beneficiary.
Typically, a money transfer provider will wait for your payment before converting money, and that can take around a day. Converting the money itself normally takes a couple of days, and then it might take a couple of days to get to the Indian bank account.
How much money can I send to India from the UAE?

You can normally send up to around 235,000 UAE dirhams when you pay by bank transfer, that’s over 4.5 million Indian rupees. If you want to pay with a credit or debit card, you can send up to 15,000 AED (around 300,000 INR) if you’ve never sent dirhams by bank transfer before. If you have already used bank transfer, you can send up to 47,000 AED (over 950,000 INR) with a debit or credit card.
Do I have to pay taxes on a transfer from the UAE to India?

You won’t normally need to pay tax on the money you send to India if you’ve paid tax on it in the UAE. India has signed the Double Taxation Avoidance Agreement with 85 other countries, including the UAE, which means if you’ve already paid tax, you won’t be charged tax again when you send the money to India. You may need to pay a small “service tax” when you transfer money to India, but this is a very small amount. Note that in some cases, the recipient of the money may need to pay taxes on the money they get, including a “Gift Tax.” We recommend checking with a specialized accountant on what your, or their, tax liability might be.

Living in India?

If you are living in India and want to receive money cheaply from your friends and loved ones abroad, then take a look at our in-depth guide here.

Best Rated Providers to Send Money from UAE to India

9.3

8.8

8.2

8.0

7.8

See Monito's In-Depth Money Transfer Guides

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Everyone wins, except expensive solutions

With our model, the only losers are the expensive banks or providers you’ll stop using!

To ensure our independence, we always use transparent, objective and verifiable criteria in our comparison. No provider can buy their way to the top of our results.

We include as many providers as possible in our comparison and have partnerships with almost all major and innovative providers.

We make sure you never pay more than if you went directly to the provider of your choice. We even negotiate special offers for you with many of our partners.

You save money on your transfer by selecting the cheapest provider.
The best providers earn new customers without expensive marketing, helping keep their costs (and prices) low.
Monito receives a referral fee from the provider you selected. This enables us to offer our service to you for free.

Questions you may have

How can I use Monito to find the best option to send money to India?

Before each international money transfer, you should come and compare the costs of the different options on Monito, as they may have changed. The cheapest option is at the top, of our results but you may want to consider other criteria such as the speed of transaction or the pay-in or pay-out methods.
I simply use my bank to send money to India, do I really need to compare other options?

Of course! Banks are usually not the best way to make international money transfers. The fees can be quite low (and sometimes even zero), but beware of the poor exchange rates which banks often apply. We list as many banks as possible in our results, so do compare to find out if you’d be better off switching to another bank or a specialized money transfer company.
Can I trust a company I found on Monito but never heard about before?

Yes. We only list money transfer operators or banks that are fully authorized and monitored by the regulation authorities of the countries where they operate.
Is it possible to send money with Monito, or are you just a service to compare money transfer services?

Monito is not a money transfer company. We’re here to help you find the best way to send money to India.

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe.

Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Learn more about Monito

Monito is Trusted by 15+ Millions Users across the globe.
Monito's experts spend hours researching and testing services
Affiliate commissions we may receive never impact our independence

Mid-market exchange rate

To calculate the total cost of your transfer, we compare the exchange rate every provider applies to your transactions with the latest mid-market exchange rate data that we source from XE.

Find the best ways to send money to India from UAE

Top Providers For transfers from UAE to India

Best for Transfers to a Bank Account

Best for Transfers to Cash Pickup

Stay on top of the market

Get our email alerts

Compare 4 provider for a 1,000 AED transfer from UAE to India

Monito's Recommendations for Sending Money from UAE to India

Best Ways to Send Money from UAE to India

About Money Transfers from UAE to India

How to Transfer Money from Dubai to India

Best Ways to Send Money to India From Dubai/UAE

Cheapest and Quickest Ways to Transfer Money From Dubai to India

Remitly

Paysend

Skrill

Cash Pickup Transfers from UAE to India

Limits and Tax Implications on Dubai to India Money Transfers

Charges to Consider While Sending Funds to India from Dubai

FAQ About Money Rransfers from the UAE to India

Living in India?

Best Rated Providers to Send Money from UAE to India

See Monito's In-Depth Money Transfer Guides

Everyone wins, except expensive solutions

Questions you may have

Why Trust Monito?

Mid-market exchange rate