Best companies for AED/EUR transfers
3 of 3 providers Last updated on 28 October 2026
Based on 25,000 AED transfer Best companies for AED/EUR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee AED 195.44 1 AED = 0.2449 EUR +0.01% vs mid-market	Recipient gets €6,075.78 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Andorra with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 195.441 AED = 0.2449 EUR €6,075.78You payAED 25,000.00
Promoted Xe Pay via Bank transfer	Fee AED 0.00 1 AED = 0.2416 EUR +1.38% vs mid-market	Recipient gets €6,040.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Andorra with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 0.2416 EUR €6,040.00You payAED 25,000.00
Run a live search Showing top United Arab Emirates to Andorra deals for 25,000 AED. Do a live search with your exact amount for today's best rates.
Run a live search Showing companies that send from a business account. Run a business search to get live AED to EUR rates.
Run a live search These companies offer multi-currency accounts for spending EUR. We suggest doing a live search based on how much AED you're planning to spend in Andorra.
Run a live search These are managed services with real human support for large AED transfers. Click the link and update the transfer amount to get the best deal.
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee AED 0.00 1 AED = 0.2443 EUR +0.27% vs mid-market	Recipient gets €6,107.64 Minutes - 24 hours
9 reviews Cheapest Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in Andorra with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 0.2443 EUR €6,107.64You payAED 25,000.00
Wise Pay via Bank transfer	Fee AED 195.44 1 AED = 0.2449 EUR +0.01% vs mid-market	Recipient gets €6,075.78 Within minutes
25 reviews FastestRecommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in Andorra with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 195.441 AED = 0.2449 EUR €6,075.78You payAED 25,000.00
Xe Pay via Bank transfer	Fee AED 0.00 1 AED = 0.2416 EUR +1.38% vs mid-market	Recipient gets €6,040.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in Andorra with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 0.2416 EUR €6,040.00You payAED 25,000.00
How Our Results Work Mid-market rate: 1 AED = 0.2450 EUR Updates every 60 minutes.

Why compare

AED/EUR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from UAE to Andorra

Pick a company

Start with the cheapest, which is Regency FX at 6,107.64 EUR on AED 25,000.

Regency FX was the cheapest on 30 of the 30 days it quoted AED25,000 transfers to Andorra.

Fund your transfer

You have 1 ways to pay, including bank transfer.

Cash at an exchange house counter works, and so does the salary card your wages land on.

Verify and send

You'll need your Emirates ID every time, not just the first.

Registering takes a few minutes with a UAE number. Once it's done, repeat transfers to the same person take seconds.

Compare amounts

How much AED are you sending to Andorra?

How much AED you send to Andorra heavily affects the best ways and the cheapest options. Use the table below to check how the cheapest options change and how much more you'd get by comparing.

Our analysis shows Regency FX was the cheapest in 100% of the transfers from AED 25,000 it quoted, and in 100% of all the transfers it quoted.


AED 3,500	0.02%	AED 29.04	€849.29with bank transfer to bank deposit	+€11.57
AED 7,500	0.02%	AED 59.98	€1,820.46with bank transfer to bank deposit	+€18.77
AED 25,000This page	0.27%	AED 0.00	€6,107.64with bank transfer to bank deposit	+€33.17
AED 50,000	0.27%	AED 0.00	€12,207.80with bank transfer to bank deposit	+€57.20
AED 200,000	0.25%	AED 0.00	€48,857.75with bank transfer to bank deposit	+€227.08
AED 250,000	0.25%	AED 0.00	€61,096.13with bank transfer to bank deposit	+€278.90
AED 350,000	0.25%	AED 0.00	€85,524.10with bank transfer to bank deposit	+€382.98
AED 1,000,000	0.20%	AED 0.00	€244,360.30with bank transfer to bank deposit	+€1,193.31

Mid-market rate: 1 AED = 0.2450 EUR

AED/EUR Exchange Rate History

Is today a good time to send money from UAE to Andorra?

The cheapest way to send AED to EUR can change every day, or stay with the same company all month.

We've compared the mid-market rate with the cheapest option each day (today it's Regency FX), across 30 days of comparisons for 25,000 AED transfers to Andorra.

Each line shows what the recipient gets when you send AED 25,000, after fees, as quoted by each company. The mid-market line shows what AED 25,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. There are no bank quotes for this period.

The dashed line is what you'd get at the mid-market rate with no fees, and the blue line is the cheapest option that day.

When the blue line goes above the dashed one, you're getting more EUR per AED than the mid-market rate can offer.

This could be due to money transfer offers, FX rate adjustments, or market competitiveness.

No company, app or bank beat the mid-market rate over the past month, meaning you lose a bit of EUR on every transfer from UAE.

Right now, Regency FX pays 6,107.64 EUR on 25,000 AED, which is 16.53 EUR less than the mid-market amount.

Today's payout is the highest in the past month.

Cheapest over time

Picking the cheapest money transfer company

Just because a company is the cheapest today doesn't mean it's always the best option for sending money to Andorra.

We've tracked 226 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

Regency FXAppeared in 164 comparisons
Cheapest every time
WiseAppeared in 223 comparisons
Cheapest in 27% of them
XeAppeared in 186 comparisons
Never the cheapest

Based on 226 comparisons across 8 amounts over the last 30 days.

Different companies can come out cheapest depending on the day and the amount you send.

To keep things fair, we only count the comparisons each company appeared in, and only analyse companies that appeared in at least 50% of all comparisons (so occasional cheapest options don't skew it).

Today Regency FX is the cheapest and gets you the most EUR, and it was also the cheapest in 100% of the 164 comparisons it appeared in over the past month.

It's a good pick for both one-off and regular transfers to Andorra.

Wise (today's second cheapest) was the cheapest in only 27% of its comparisons, so it's rarely the cheapest option for transfers to Andorra.

Ways to send money from the UAE to Andorra

3 companies send money from the UAE to Andorra, split between broker, online, app, multi-currency account, and global account, and more.

For frequent transfers home

Money transfer apps

If you send EUR home monthly, money transfer apps like Wise are the easiest with good AED/EUR rates.

Botim, Careem Pay, and e& money are convenient but Wise is cheaper.

On an AED 25,000 transfer it will get you 6,075.78 EUR in within minutes (after 195.44 fee and 0.03% markup).

Over the past month, Wise was the cheapest app on 100% of the days it appeared for AED25,000 transfers.

You'll need your Emirates ID and a UAE number to register.

For small urgent transfers

Send now, pay later

You can send AED to Andorra now, and pay for it in the coming weeks.

Botim and Payit are good options, but it’s a credit, so it costs more and you can’t miss any payments.

We’ve covered this in more detail in our Send Now, Pay Later guide.

For mid-sized transfers from UAE

Online transfers

Sending AED 25,000 to Andorra is usually cheaper with online money transfer services like Wise.

Wise gets you 6,075.78 EUR, with an AED 195.44 fee and 0.03% markup.

In our comparisons over the past month, it was the cheapest online service on 30 of the 30 days it quoted.

For sending large amounts

Currency brokers

Brokers are great for international property, school fees abroad, or moving your savings home when you leave the UAE.

A broker like Regency FX charges no fee and adds 0.27% on AED/EUR exchange rate with someone on the phone guiding you through the process.

Our analysis shows Regency FX was the cheapest broker in 100% of the transfers from AED 25,000 it quoted.

For UAE businesses trading abroad

Global accounts

Global accounts are for businesses, paying overseas suppliers, collecting from customers abroad, and holding a few currencies at once.

Companies like IFX, Sokin, VertoFX, or Wise Business can handle the batch payments, invoices and multi-currency balances.

For receiving money

Multi-currency accounts

A multi-currency account lets you hold dirhams and/or EUR side by side.

This is useful if you’re getting paid in EUR, or travelling to Andorra.

I’d suggest Wise for this.

Wise converts AED 25,000 at 0.03% markup and holds it until you send or spend it, and gives you account details to receive EUR.

Over the past month, it came out cheapest among multi-currency accounts on 100% of days.

We've covered this in more detail in our guide to multi-currency accounts.

Ways to deposit AED and receive EUR in Andorra

With Regency FX, paying by bank transfer and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 6,107.64 EUR.

You can pay in AED by bank transfer.

In Andorra, the recipient can receive EUR through bank deposit.

1

Bank transfer Bank deposit

You pay AED25,000.00

€6,108

Cheapest

Before sending AED to Andorra, consider this

The UAE has plenty of ways to send money, but the branch fee, exchange rate and ID checks can change what works best for you.

Compare AED/EUR transfer options

For an AED 25,000 transfer to Andorra, the current options look like this.

The cheapest option is Regency FX, funded by bank transfer with bank deposit for the payout. Your recipient gets 6,107.64 EUR, which is 0.52% more than the next best option.
The fastest option is Wise, funded by bank transfer with bank deposit in Andorra. Your recipient gets 6,075.78 EUR in within minutes.

You need Emirates ID

Banks, apps and exchange houses need to identify you.

Your Emirates ID and UAE mobile number normally cover a routine transfer, while a large or unusual payment can trigger questions about your salary and source of funds.

For property, tuition or moving savings when you leave the UAE, keep the sale agreement, school invoice or bank statement ready.

A transfer funded from your salary account is easier to explain than a large cash deposit made just before sending.

Use a licensed exchange house in UAE

Currency exchange and remittance services require a Central Bank of the UAE licence.

Check the legal name in the CBUAE licensing register before handing over cash or uploading your ID.

The CBUAE consumer standards require licensed companies to show the exchange rate and fees before the transfer, then include the amount received and complaint details on the receipt.

Avoid a personal bank account or WhatsApp dealer offering a better rate outside a licensed branch.

Cash rules are separate

The UAE's declaration rules for carrying cash across the border do not set a limit on an electronic transfer.

Your bank or exchange house can still set its own transaction limit and request additional documents.

If you send the same amount every month, complete the ID checks in the app or branch once and save the verified recipient.

This reduces mistakes without bypassing the checks on later transfers.

How we analyse the market

We track 3 licensed companies sending AED to Andorra, refreshed in real time during live comparisons.

Because the dirham is fixed to the dollar, we compare on what arrives in EUR rather than on the fee, alongside the deposit and payout options.

In the past 30 days alone, we analysed 226 comparisons across 8 amounts.

This page covers the cheapest and fastest options for AED/EUR transfers. This is how we pick them:

Cheapest: the company that gets your recipient the most, after fees and the exchange rate. On a tie, live pricing from the company takes priority over the rates we collect by hand.
Fastest: the company with the shortest estimated delivery time once you’ve paid. On a tie, the one that pays out more takes priority.

Every company goes through our review before it appears.

Any tax information is for general guidance only and does not constitute tax advice. Speak to a qualified tax adviser about your circumstances.

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Tue, 29 Sep 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2396	–	€5,990.20
Regency FX Cheapest	0.2390	AED 0.00	€5,974.03	−€16.17
Wise	0.2396	AED 195.48	€5,942.64	−€47.56
Xe	0.2363	AED 0.00	€5,907.50	−€82.70

Wed, 30 Sep 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2398	–	€5,995.85
Regency FX Cheapest	0.2392	AED 0.00	€5,979.66	−€16.19
Wise	0.2398	AED 195.48	€5,948.12	−€47.73
Xe	0.2365	AED 0.00	€5,912.50	−€83.35

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2405	–	€6,012.93
Regency FX Cheapest	0.2399	AED 0.00	€5,996.69	−€16.24
Wise	0.2405	AED 195.47	€5,965.81	−€47.11
Xe	0.2373	AED 0.00	€5,932.50	−€80.43

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2419	–	€6,046.50
Regency FX Cheapest	0.2412	AED 0.00	€6,030.17	−€16.33
Wise	0.2418	AED 195.47	€5,998.13	−€48.37
Xe	0.2385	AED 0.00	€5,962.50	−€84.00

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2418	–	€6,045.05
Regency FX Cheapest	0.2411	AED 0.00	€6,028.73	−€16.32
Wise	0.2420	AED 195.47	€6,001.60	−€43.45
Xe	0.2369	AED 0.00	€5,922.50	−€122.55

Sun, 4 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2418	–	€6,045.95
Regency FX Cheapest	0.2412	AED 0.00	€6,029.63	−€16.32
Wise	0.2420	AED 195.47	€6,001.60	−€44.35
Xe	0.2368	AED 0.00	€5,920.00	−€125.95

Mon, 5 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2433	–	€6,081.43
Regency FX Cheapest	0.2426	AED 0.00	€6,065.01	−€16.41
Wise	0.2432	AED 195.45	€6,033.51	−€47.91
Xe	0.2400	AED 0.00	€6,000.00	−€81.43

Tue, 6 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2430	–	€6,074.05
Regency FX Cheapest	0.2423	AED 0.00	€6,057.65	−€16.40
Wise	0.2429	AED 195.45	€6,025.97	−€48.08
Xe	0.2396	AED 0.00	€5,990.00	−€84.05

Wed, 7 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2426	–	€6,065.83
Regency FX Cheapest	0.2420	AED 0.00	€6,049.45	−€16.38
Wise	0.2426	AED 195.45	€6,017.91	−€47.91
Xe	0.2393	AED 0.00	€5,982.50	−€83.32

Thu, 8 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2431	–	€6,076.92
Regency FX Cheapest	0.2424	AED 0.00	€6,060.52	−€16.40
Wise	0.2430	AED 195.45	€6,028.57	−€48.35
Xe	0.2397	AED 0.00	€5,992.50	−€84.42

Fri, 9 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2425	–	€6,061.93
Regency FX Cheapest	0.2418	AED 0.00	€6,045.56	−€16.36
Wise	0.2425	AED 195.45	€6,014.61	−€47.32
Xe	0.2393	AED 0.00	€5,982.50	−€79.43

Sat, 10 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2430	–	€6,075.58
Regency FX Cheapest	0.2424	AED 0.00	€6,059.17	−€16.40
Wise	0.2431	AED 195.45	€6,029.02	−€46.55
Xe	0.2371	AED 0.00	€5,927.50	−€148.07

Mon, 12 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2430	–	€6,075.03
Regency FX Cheapest	0.2423	AED 0.00	€6,058.62	−€16.40
Wise	0.2430	AED 195.45	€6,026.69	−€48.34
Xe	0.2397	AED 0.00	€5,992.50	−€82.52

Tue, 13 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2432	–	€6,080.30
Regency FX Cheapest	0.2426	AED 0.00	€6,063.88	−€16.42
Wise	0.2432	AED 195.45	€6,032.89	−€47.41
Xe	0.2399	AED 0.00	€5,997.50	−€82.80

Wed, 14 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2430	–	€6,074.75
Regency FX Cheapest	0.2423	AED 0.00	€6,058.35	−€16.40
Wise	0.2429	AED 195.45	€6,026.07	−€48.68
Xe	0.2396	AED 0.00	€5,990.00	−€84.75

Thu, 15 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2428	–	€6,070.20
Regency FX Cheapest	0.2422	AED 0.00	€6,053.81	−€16.39
Wise	0.2428	AED 195.45	€6,022.20	−€48.00
Xe	0.2394	AED 0.00	€5,985.00	−€85.20

Fri, 16 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2423	–	€6,057.88
Regency FX Cheapest	0.2417	AED 0.00	€6,041.52	−€16.35
Wise	0.2423	AED 195.47	€6,009.79	−€48.09
Xe	0.2390	AED 0.00	€5,975.00	−€82.88

Mon, 19 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2429	–	€6,071.98
Regency FX Cheapest	0.2422	AED 0.00	€6,055.58	−€16.40
Wise	0.2428	AED 195.45	€6,023.02	−€48.95
Xe	0.2395	AED 0.00	€5,987.50	−€84.48

Tue, 20 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2424	–	€6,060.93
Regency FX Cheapest	0.2418	AED 0.00	€6,044.56	−€16.36
Wise	0.2424	AED 195.47	€6,012.82	−€48.11
Xe	0.2391	AED 0.00	€5,977.50	−€83.43

Wed, 21 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2426	–	€6,064.40
Regency FX Cheapest	0.2419	AED 0.00	€6,048.03	−€16.37
Wise	0.2425	AED 195.45	€6,016.32	−€48.08
Xe	0.2392	AED 0.00	€5,980.00	−€84.40

Thu, 22 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2423	–	€6,058.00
Regency FX Cheapest	0.2417	AED 0.00	€6,041.64	−€16.36
Wise	0.2423	AED 195.47	€6,009.34	−€48.66
Xe	0.2389	AED 0.00	€5,972.50	−€85.50

Fri, 23 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2432	–	€6,080.18
Regency FX Cheapest	0.2426	AED 0.00	€6,063.76	−€16.41
Wise	0.2432	AED 195.45	€6,031.80	−€48.38
Xe	0.2398	AED 0.00	€5,995.00	−€85.18

Sat, 24 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2431	–	€6,076.73
Regency FX Cheapest	0.2424	AED 0.00	€6,060.32	−€16.41
Wise	0.2430	AED 195.45	€6,028.27	−€48.45
Xe	0.2366	AED 0.00	€5,915.00	−€161.73

Mon, 26 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2430	–	€6,073.85
Regency FX Cheapest	0.2423	AED 0.00	€6,057.45	−€16.40
Wise	0.2429	AED 195.45	€6,025.35	−€48.50
Xe	0.2396	AED 0.00	€5,990.00	−€83.85

Tue, 27 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	0.2440	–	€6,100.48
Regency FX Cheapest	0.2434	AED 0.00	€6,084.00	−€16.48
Wise	0.2440	AED 195.45	€6,053.15	−€47.33
Xe	0.2407	AED 0.00	€6,017.50	−€82.98

How to send money to Andorra from UAE with the best AED-EUR rate

Best companies for AED/EUR transfers