{"id":18894,"date":"2025-10-06T08:59:00","date_gmt":"2025-10-06T06:59:00","guid":{"rendered":"https:\/\/dubairealestate.net\/?p=18894"},"modified":"2026-07-02T11:35:23","modified_gmt":"2026-07-02T09:35:23","slug":"money-transfer-from-dubai-to-france-and-europe","status":"publish","type":"post","link":"https:\/\/dubairealestate.net\/en\/actualite\/transfert-argent-dubai-france-europe\/","title":{"rendered":"Sending money from Dubai to France or Europe: what are the options?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">You live <strong>in Dubai<\/strong> and must <strong>to transfer money regularly to France or Europe<\/strong> ? Whether you\u2019re sending money to support your family, making an investment or topping up an account, choosing the right method is crucial. A poor exchange rate, hidden charges or excessive delays can quickly prove costly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>There are several options for sending money from Dubai to France or Europe: using local banks, using specialist platforms such as Wise or Remitly, or using authorised money changers. Fees and processing times vary depending on the method chosen.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this article, we\u2019ll explore the available options together: transfers via local banks, online platforms such as Wise or Western Union, and authorised money changers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We will compare their costs, average processing times and the transparency of their AED\/EUR exchange rates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to<strong> send your money with complete peace of mind <\/strong>? Follow the guide.<br><br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why send money from Dubai to France \/ Europe?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A lot of<strong> residents of Dubai <\/strong>send money to help their families, pay bills, invest, or simply transfer their savings to their European accounts. The main reasons cited are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Supporting the family<\/strong> : Many people send money to help their loved ones with their day-to-day lives.<br><\/li>\n\n\n\n<li><strong>Education<\/strong> : some cover school or university fees in Europe.<br><\/li>\n\n\n\n<li><strong>Investments<\/strong> : buying a property or investing in a bank product.<br><\/li>\n\n\n\n<li><strong>Secure savings<\/strong> : It\u2019s reassuring to invest your money in France or elsewhere in Europe.<br><\/li>\n\n\n\n<li><strong>Personal expenditure <\/strong>: to pay off a loan, a bill or a holiday.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the main methods?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here are the most commonly used methods for <strong>send money to France and Europe<\/strong>.<br><br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A. Local banks in Dubai: how do they work?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here is an overview of the <strong>local banks in Dubai<\/strong> To send money to France or Europe:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Emirates NBD<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>International bank transfers made online or via mobile are free of charge. You just need to avoid using the counter or a branch.<br><\/li>\n\n\n\n<li>Since 1 September 2025, a new fixed fee of 26.25 AED has applied to certain countries when using DirectRemit. But here\u2019s the good news: France and Europe are not affected, so there are no DirectRemit fees for these destinations!<br><\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Bank of Sharjah<\/strong> : Outgoing international transfers cost 100 AED, or even 150 AED if the destination country\u2019s currency is different.<br><br><\/li>\n\n\n\n<li><strong>Central Bank of Dubai (CBD)<\/strong> : Online, a SWIFT transfer costs around 21 AED for most countries (from January 2025). In branch, up to 105 AED.<br><br><\/li>\n\n\n\n<li><strong>HSBC UAE<\/strong> : There are no charges for transferring money from the mobile app to another online bank. What\u2019s more, transfers between two HSBC accounts (via \u201cGlobal Transfers\u201d) are instant and free!<br><br><\/li>\n\n\n\n<li><strong>Other banks (ADCB, Mashreq, FAB, etc.)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Generally speaking, fees range from 40 to 120 AED, plus a mark-up on the exchange rate. Transfers often take 1 to 5 working days.<br><\/li>\n\n\n\n<li>Certain special accounts or VIP tiers may reduce these charges.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B. Online platforms<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Here is an overview of the <strong>online platforms<\/strong> which you can use to send money to France or Europe:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Wise (formerly TransferWise)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transparent fees: approximately 0.36 % to 0.4 % of the amount + a small fixed fee (~1\u20132 USD).<br>\n<ul class=\"wp-block-list\">\n<li>Example: for 100,000 AED, the fees amount to approximately 0.69 %, or nearly 691 AED.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Real-time market exchange rate, with no hidden margins.<br><\/li>\n\n\n\n<li>Very fast, often instantaneous or within a few seconds.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Remitly<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fees vary depending on the speed (Express or Economy), the amount and the payment method.<br><\/li>\n\n\n\n<li>Sometimes free for new customers, particularly for the first few transfers of up to 4,000 AED to Europe.<br><\/li>\n\n\n\n<li>Competitive rates, transparency before confirmation.<br><\/li>\n\n\n\n<li>Fast delivery via Express (minutes\u2013hours), or a more economical option via Economy (3\u20135 days).<br><\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Western Union<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Foreign exchange fees and margins vary considerably, depending on the method and the country.<br>\n<ul class=\"wp-block-list\">\n<li>Example: online, margin of up to 6 % for the euro (France).<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Quick options for receiving payment in cash or into your account (depending on the method, this may take a few days).<\/li>\n<\/ul>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Other platforms<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paysend: a fixed fee of 9 AED for transfers to a bank card in France. Instant or near-instant transfers.<br><\/li>\n\n\n\n<li>OFX: offers a rate close to the market rate (e.g. 1 AED \u2248 0.2387 EUR in early 2025). May be competitive depending on the volume.<br><\/li>\n\n\n\n<li>CurrencyFair: exchange rates very close to market rates, with fees up to eight times lower than those of a traditional bank.<br><\/li>\n\n\n\n<li>Hubpay: a local app in the UAE \u2013 fast, with no hidden fees, and easy to use for sending money to France.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C. Licensed currency exchange bureaux in Dubai<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s talk about the <strong>authorised physical currency exchange bureaux in Dubai<\/strong>, as many residents still use them to <strong>send money to Europe<\/strong>.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Al Ansari Exchange<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A very extensive network, found in almost every shopping centre.<br><\/li>\n\n\n\n<li>Fixed fees: usually around 15 to 25 AED per transfer.<br><\/li>\n\n\n\n<li>Processing time: from a few minutes to 2 days, depending on the country and the method.<br><\/li>\n\n\n\n<li>Exchange rates are sometimes not as good as Wise\u2019s, but they\u2019re quick and convenient.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>UAE Exchange (renamed Unimoni)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very popular, and the market leader for many years.<br><\/li>\n\n\n\n<li>Fees averaging around 20 AED.<br><\/li>\n\n\n\n<li>You can choose to have the money paid into a bank account or collect it in cash.<br><\/li>\n\n\n\n<li>A good option for those who prefer personal contact.<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Lulu Exchange<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Part of the Lulu Group, which is very well known in the Emirates.<br><\/li>\n\n\n\n<li>Competitive rates, particularly for Asia, but they\u2019re still reasonable for Europe.<br><\/li>\n\n\n\n<li>Transfers usually arrive within 24 to 48 hours.<\/li>\n<\/ul>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Other exchanges (Al Rostamani Exchange, GCC Exchange, Wall Street Exchange, etc.)<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Found just about everywhere in Dubai.<br><\/li>\n\n\n\n<li>The fees range from 15 to 30 AED.<br><\/li>\n\n\n\n<li>The speed and rate depend on the destination country.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Benefits of authorised currency exchange bureaux:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Very easy to find: you can find them in every neighbourhood and shopping centre.<br><\/li>\n\n\n\n<li>Instant: often processed immediately for a cash withdrawal.<br><\/li>\n\n\n\n<li>Friendly: direct contact, face-to-face explanation.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Limitations:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Exchange rates that are less favourable than those offered by Wise or CurrencyFair.<br><\/li>\n\n\n\n<li>This requires a visit to a branch, which can be inconvenient.<br><\/li>\n\n\n\n<li>Less convenient than apps for regular deliveries.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In short: authorised currency exchange bureaux are ideal for those who want to pay in cash or who feel more comfortable dealing face-to-face.<br><br><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A comparison of the main methods for sending money from Dubai<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here is a <strong>A comparison of the three main methods for sending money from Dubai to France \/ Europe <\/strong>:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Method<\/strong><\/td><td><strong>Fixed vs variable costs<\/strong><\/td><td><strong>Average lead times<\/strong><\/td><td><strong>Strengths \/ Limitations<\/strong><\/td><\/tr><tr><td><em>Banks (e.g. Emirates NBD)<\/em><\/td><td>Fixed at ~26.25 AED (DirectRemit from September 2025)<\/td><td>1\u20135 working days<\/td><td>Reliable, but often more expensive<\/td><\/tr><tr><td><em>Online platforms (Wise, Remitly, etc.)<\/em><\/td><td>Variables (low percentage + fixed costs)<\/td><td>Immediate or within a few minutes\/days<\/td><td>Highly transparent and cost-effective<\/td><\/tr><tr><td><em>Physical substitutes (Al Ansari\u2026)<\/em><\/td><td>A fixed charge of approximately 40 to 60 AED for Europe or the United States<\/td><td>Minutes to a few days<\/td><td>Fast, user-friendly, but with less favourable rates<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A simple summary to remember:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banks: high charges (\u224826 AED), moderately slow, secure.<br><\/li>\n\n\n\n<li>Online platforms: low, variable fees; fast; competitive rates.<br><\/li>\n\n\n\n<li>Physical currency exchange bureaux: average fixed fees (40\u201360 AED), very quick, but less favourable exchange rates.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The AED\/EUR exchange rate: watch out for fluctuations<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s talk about the <strong>AED\/EUR exchange rate<\/strong> and, above all, its fluctuation:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>The official rate<\/strong> : The dirham (AED) is pegged at <a href=\"https:\/\/fr.wikipedia.org\/wiki\/Dollar_am%C3%A9ricain\" target=\"_blank\" rel=\"noopener\">US dollar (USD)<\/a> : 1 USD = 3.6725 AED. Therefore, for the euro (EUR), the exchange rate depends directly on the strength of the USD against the EUR.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Practical example<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If 1 EUR = 1.10 USD, then 1 EUR is worth approximately 4.04 AED.<br><\/li>\n\n\n\n<li>If the euro rises to 1.15 USD, 1 EUR becomes 4.22 AED.<br><\/li>\n\n\n\n<li>If the euro falls to 1.05 USD, 1 EUR falls to 3.85 AED.<br><\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Fluctuation<\/strong> : It does not stem from the dirham itself (as it is pegged to the dollar). It stems mainly from movements in the EUR\/USD exchange rate.<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The result is that when the euro strengthens, you get more for your dirhams.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In practice, when processing transfers, banks often add a margin of 1 to 3 % on the <strong>actual market rate<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Platforms such as Wise apply almost the exact exchange rate, which means you save a lot on large sums.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Authorised currency exchange bureaux (Al Ansari, Lulu, etc.) offer less favourable exchange rates than online platforms, but better than some banks.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In summary:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The AED\/EUR exchange rate fluctuates solely because the euro is rising or falling against the dollar.<br><\/li>\n\n\n\n<li>The best way to save money is to compare the mark-ups charged by each service.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Send your money securely\u2026 and invest it wisely<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019re now coming to the end of this guide together. You now know <strong>What are the main options for transferring money from Dubai to France or Europe?<\/strong> : local banks, online platforms such as Wise or Remitly, and authorised money changers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You have found out about their fees, average processing times and the points to bear in mind regarding the AED\/EUR exchange rate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In short, there are quick, transparent and cost-effective ways to send your money with confidence, provided that you <strong>choose approved service providers<\/strong> and <strong>compare before each transfer<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But apart from one-off transfers, have you thought about<strong> to invest this money directly in Dubai<\/strong> ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our agency, <a href=\"https:\/\/dubairealestate.net\/en\/\">Dubai Real Estate<\/a>, supports you in<strong> investing in property in Dubai<\/strong>, a rapidly growing market offering attractive rental yields and a level of regulatory certainty that is unique in the region. Whether you are an expatriate or an investor, we are here to help you safeguard your investments and grow your wealth.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 <a href=\"https:\/\/dubairealestate.net\/en\/contact\/\">Get in touch with our team of experts today<\/a> Find out more about investment opportunities in Dubai!<br><br><br><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/dubairealestate.net\/en\/real-estate-agency-in-dubai\/\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1020\" height=\"600\" src=\"https:\/\/dubairealestate.net\/wp-content\/uploads\/2025\/10\/Le-transfert-dargent-de-Dubai-vers-la-France-Comment-ca-marche-.jpg\" alt=\"Sending money from Dubai to France: How it works\" class=\"wp-image-18897\" srcset=\"https:\/\/dubairealestate.net\/wp-content\/uploads\/2025\/10\/Le-transfert-dargent-de-Dubai-vers-la-France-Comment-ca-marche-.jpg 1020w, https:\/\/dubairealestate.net\/wp-content\/uploads\/2025\/10\/Le-transfert-dargent-de-Dubai-vers-la-France-Comment-ca-marche--300x176.jpg 300w, https:\/\/dubairealestate.net\/wp-content\/uploads\/2025\/10\/Le-transfert-dargent-de-Dubai-vers-la-France-Comment-ca-marche--768x452.jpg 768w, https:\/\/dubairealestate.net\/wp-content\/uploads\/2025\/10\/Le-transfert-dargent-de-Dubai-vers-la-France-Comment-ca-marche--600x353.jpg 600w\" sizes=\"(max-width: 1020px) 100vw, 1020px\" \/><\/a><\/figure>","protected":false},"excerpt":{"rendered":"<p>Vous vivez \u00e0 Duba\u00ef et devez transf\u00e9rer r\u00e9guli\u00e8rement de l\u2019argent vers la France ou l\u2019Europe ? Que ce soit pour soutenir votre famille, payer un investissement ou alimenter un compte, le choix de la bonne m\u00e9thode est crucial. Un mauvais taux de change, des frais cach\u00e9s ou des d\u00e9lais trop longs peuvent rapidement co\u00fbter cher. [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":18896,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-18894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite"],"_links":{"self":[{"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/posts\/18894","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/comments?post=18894"}],"version-history":[{"count":3,"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/posts\/18894\/revisions"}],"predecessor-version":[{"id":18900,"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/posts\/18894\/revisions\/18900"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/media\/18896"}],"wp:attachment":[{"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/media?parent=18894"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/categories?post=18894"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dubairealestate.net\/en\/wp-json\/wp\/v2\/tags?post=18894"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}