Sending Mobile Money Transfer in the UAE in 2026

Which mobile wallets are available?

This will depend on the destination, but here are the most popular options:

There are many many more options, but these are the most common ones.

Regardless of the wallet you are using, mobile money is one of the fastest ways to receive money from UAE.

In many cases it is instant, and that's why we usually suggest using it where speed matters (along with cash pickup).

However, the limits are usually much lower compared

Top services to send AED to a mobile wallet abroad

8.5

Taptap Send

Fees

Exchange Rate Markup

Exchange Rate

Minutes

Visit

"Taptap Send faciliates money transfers to bank accounts & mobile money wallets on popular networks with competitive rates."

8.2

Remitly

Fees

None

Exchange Rate Markup

0.1% - 1.3%

Exchange Rate

Minutes - 3 days

Visit

"Remitly focuses on sending money to friends and family in Asia, Africa and South America. Wide coverage and well-suited to regular transfers home."

8.1

Western Union

Fees

None

Exchange Rate Markup

0.2% - 1.5%

Exchange Rate

1 - 5 days

Visit

7.1

Al Ansari Exchange

Fees

Exchange Rate Markup

Exchange Rate

Visit

6.3

Lulu Exchange Read review

Fees

Exchange Rate Markup

Exchange Rate

Visit

TapTap Send

TapTap Send has most wallet options available.

Here are a few mobile wallets you can send money to from UAE:

TapTap Send is very cheap compared to other options, especially to Asia and Africa.

This makes it perfect for making recurring and small transfers back home from the UAE.

Most transfers have no fees and come with an exchange rate markup, which is still cheaper than other options here.

Here are a few examples for sending money to a wallet with TapTap Send:

With TapTap Send you can only deposit via debit card or bank transfer, so there’s no cash deposit option.

Remitly

With Remitly you can send money directly to mobile wallets across the world.

Here are the accepted wallets:

Remitly is usually a bit more expensive compared to other options, but it generally has better coverage.

You will need to deposit money using your UAE debit card and the Emirates ID.

For the destination, you’ll get an option to pick a wallet depending on the destination.

Here's what you can expect to receive with Remitly Economy option:

Remitly runs through its DIFC office, regulated by the DFSA, so it's regulated in the UAE.

Al Fardan Exchange (Western Union)

Western Union (via Al Fardan Exchange) doesn’t have many mobile wallet options, but it does let you deposit cash instead of doing it online.

And if there’s no mobile wallet option, your recipient can pick up money in cash from a high street agent (which is a bit more expensive).

Generally, Western Union is popular for transfers to India (and other Asian corridors) because it allows UPI transfers which work with any mobile wallet that supports it.

It’s fairly cheap for small transfers, in fact, sending under AED 500 will usually have no fees and no exchange rate markup with promotional rates.

Here's what you will receive with WU when sending online to a wallet:

Al Ansari Exchange

Al Ansari is great if you as a sender need to deposit money from a mobile wallet.

It comes with an Al Ansari wallet which you can use to fund your international transfers.

However, there are no mobile wallet receiving options abroad. This means money will arrive into the receiver's bank account.

Al Ansari is competitive but usually not the cheapest. It usually adds a higher exchange rate markup compared to TapTap or Remitly.

LuLu Money

LuLu Money has the most local deposit options ranging from WPS cards to cash to bank accounts.

It also has its own LuLu Wallet that you can use to store AED and fund your transfers.

LuLu Exchange is usually cheaper than Al Ansari, but still a bit more expensive compared to TapTap Send.

With LuLu Exchange you can send money to:

• GCash

• bKash

• Wallets supporting UPI transfers

You can also fund your transfer with a salary or WPS card, a wallet, or cash at a branch, which makes it one of the few options that works for unbanked workers.

e& money

e& money is a mobile wallet, the first licensed by the UAE Central Bank.

You hold money in it, get a prepaid card, and send without touching a bank.

Inside the UAE, you send to anyone by their mobile number, and it's free and instant if they're on e& money too.

There’s no IBAN and no account details, everything is handled through a mobile number.

You can also send money within the e& network (for example e& Cash in Egypt) you can send money between each other.

It also sends abroad to over 140 countries, to a bank account, cash pickup or mobile wallet.

It’s free to send money within the UAE, but international transfers are more expensive.

International transfers have a transfer fee of around AED 15.75 (including VAT), which is sometimes waived during money transfer promos.

e& money is run by e& (Etisalat) and licensed by the CBUAE.

In my opinion e& money is good for transfers inside the UAE, or inside the e& network. But it is not the best option for international money transfers because of the fees.

How you fund a wallet transfer

Most money transfer apps allow deposits with a UAE debit card, which is the fastest way to pay.

You can also fund by:

• Bank transfer from your UAE account (a bit slower)

• Pay cash at a branch (Al Ansari, LuLu, MoneyGram, Western Union)

• Use a salary or WPS card (if you don't have a bank account)

• A wallet balance (e& money)

Is mobile money safe in the UAE?

Yes, as long as the provider is licensed.

Every company here is regulated, under one of these two:

• CBUAE-licensed wallets and exchange houses

• DFSA-regulated providers in the DIFC free zone

A wallet is not a bank, so there's no deposit-protection scheme on your balance.

As long as you follow the best practices, only use licensed providers, and know about the money transfer restrictions, you will be safe and your transfer will arrive safely.

What it costs and how fast

Generally, the cost comes down to a few things:

• Exchange rate markup

• Transfer fees

• Receiving method (mobile wallets in this case)

• Account fees (very rare)

Every money transfer company or exchange house will charge you one or more of these.

Here are the cheapest options to send money abroad to a mobile wallet:

Last updated at 17/08/2026

AED USD

Mid Market Rate AED 1 = $0.2723

Transfer Amount AED 7,500

1

Taptap Send

2

OFX

3

Wise

Al Ansari Exchange

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

$2,032.50

0.2710

0.48%

Debit card

AED 0.00

Visit

$2,028.93

0.2705

0.65%

Bank transfer

AED 0.00

Visit

$2,024.45

0.2723

0.00%

Bank transfer

AED 64.38

Visit

$2,038.04

0.2717

0.22%

Bank transfer

AED 0.00

AED GBP

Mid Market Rate AED 1 = £0.2009

Transfer Amount AED 7,500

1

OFX

2

Wise

3

CurrencyFair

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

£1,496.87

0.1996

0.65%

Bank transfer

AED 0.00

Visit

£1,493.81

0.2009

-0.01%

Bank transfer

AED 63.17

Visit

£1,493.52

0.1995

0.69%

Bank transfer

AED 12.44

Visit

AED INR

Mid Market Rate AED 1 = ₹26.0293

Transfer Amount AED 7,500

1

Aspora

2

Taptap Send

3

OFX

Al Ansari Exchange

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

₹195,219.60

26.0293

0.00%

Bank transfer

AED 0.00

Visit

₹195,000.00

26.0000

0.11%

Debit card

AED 5.00

Visit

₹193,950.67

25.8601

0.65%

Bank transfer

AED 0.00

Visit

₹193,448.54

25.7931

0.91%

Bank transfer

AED 0.00

AED PKR

Mid Market Rate AED 1 = Rs 75.4748

Transfer Amount AED 7,500

1

Taptap Send

2

OFX

3

Wise

Al Ansari Exchange

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

Rs 568,500.00

75.8000

-0.43%

Debit card

AED 0.00

Visit

Rs 562,381.75

74.9842

0.65%

Bank transfer

AED 0.00

Visit

Rs 560,840.37

75.5874

-0.15%

Bank transfer

AED 80.24

Visit

Rs 565,875.00

75.4500

0.03%

Bank transfer

AED 0.00

AED PHP

Mid Market Rate AED 1 = ₱16.7587

Transfer Amount AED 7,500

1

OFX

2

CurrencyFair

3

Wise

Al Ansari Exchange

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

₱124,873.49

16.6498

0.65%

Bank transfer

AED 0.00

Visit

₱124,675.00

16.6340

0.75%

Bank transfer

AED 4.77

Visit

₱124,342.88

16.7462

0.07%

Bank transfer

AED 74.86

Visit

₱123,825.00

16.5100

1.50%

Bank transfer

AED 0.00

AED EGP

Mid Market Rate AED 1 = E£13.6988

Transfer Amount AED 7,500

1

Taptap Send

2

OFX

3

Wise

Al Ansari Exchange

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

E£102,075.00

13.6100

0.65%

Debit card

AED 0.00

Visit

E£102,072.98

13.6097

0.65%

Bank transfer

AED 0.00

Visit

E£101,151.60

13.6813

0.13%

Bank transfer

AED 106.58

Visit

E£99,900.00

13.3200

2.80%

Bank transfer

AED 0.00

AED BDT

Mid Market Rate AED 1 = ৳33.3564

Transfer Amount AED 7,500

1

Taptap Send

2

Wise

3

Xe

Al Ansari Exchange

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

৳250,650.00

33.4200

-0.19%

Debit card

AED 0.00

Visit

৳246,598.17

33.4205

-0.19%

Bank transfer

AED 121.35

Visit

৳243,858.75

32.5145

2.56%

Bank transfer

AED 0.00

Visit

৳250,500.00

33.4000

-0.13%

Bank transfer

AED 0.00

AED NPR

Mid Market Rate AED 1 = Rs 41.4647

Transfer Amount AED 7,500

1

Taptap Send

2

Wise

3

Xe

Al Ansari Exchange

They get

Exchange rate

FX markup

Cheapest payment method

Transfer fee

Rs 309,375.00

41.2500

0.52%

Debit card

AED 0.00

Visit

Rs 306,826.00

41.5721

-0.26%

Bank transfer

AED 119.43

Visit

Rs 299,822.25

39.9763

3.66%

Bank transfer

AED 0.00

Visit

Rs 309,562.50

41.2750

0.46%

Bank transfer

AED 0.00

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How to send to a mobile wallet

Sending money from the UAE to a mobile wallet is the same as using any other receiving method:

Money will arrive within a few minutes and you’ll usually get a confirmation message inside the app.

To get you started, use the form below to find the cheapest way to send money to a mobile wallet today.