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

Key Currency is the best and cheapest service overall. On €7.000 you will get 28.791,91 AED after fees and the exchange rate.

We’ve compared 13 money transfer companies in more detail below.

Best companies for EUR/AED transfers

13 of 13 providers

Last updated on 10 November 2026

Based on 7,000 EUR transfer

Best companies for EUR/AED transfers

Sort Cheapest
Promoted

Wise

Pay via Bank transfer
Fee €34.68 1 EUR = 4.1236 AED 0.00% vs mid-market Recipient gets AED 28,722.33 Within 3 hours
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in United Arab Emirates with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hoursAvailable via:Bank Transfer
€34.681 EUR = 4.1236 AED
AED 28,722.33You pay€7,000.00
Promoted

Xe

Pay via Debit card
Fee €0.00 1 EUR = 4.0924 AED +0.76% vs mid-market Recipient gets AED 28,646.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in United Arab Emirates with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.0924 AED
AED 28,646.80You pay€7,000.00

Run a live search

Showing top Germany to United Arab Emirates deals for 7,000 EUR. Do a live search with your exact amount for today's best rates.
Exclusive: Special Rate for 1st Transfer

Key Currency

Pay via Bank transfer
Fee €0.00 1 EUR = 4.1131 AED +0.25% vs mid-market Recipient gets AED 28,791.91 Minutes - 3 days
Cheapest
Personal account managerReceive to bank account

Ways to receive money in United Arab Emirates with Key Currency when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 3 days
Free1 EUR = 4.1131 AED
AED 28,791.91You pay€7,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee €0.00 1 EUR = 4.1123 AED +0.27% vs mid-market Recipient gets AED 28,786.14 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in United Arab Emirates with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.1123 AED
AED 28,786.14You pay€7,000.00

TorFx

Pay via Bank transfer
Fee €0.00 1 EUR = 4.1111 AED +0.30% vs mid-market Recipient gets AED 28,777.48 Minutes - 24 hours
Personal account managerReceive to bank accountIdeal for buying property abroad

Ways to receive money in United Arab Emirates with TorFx when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.1111 AED
AED 28,777.48You pay€7,000.00

Wise

Pay via Bank transfer
Fee €34.68 1 EUR = 4.1236 AED 0.00% vs mid-market Recipient gets AED 28,722.33 Within 3 hours
FastestOur top pick
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in United Arab Emirates with Wise when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hoursAvailable via:Bank Transfer
€34.681 EUR = 4.1236 AED
AED 28,722.33You pay€7,000.00

OFX

Pay via Bank transfer
Fee €0.00 1 EUR = 4.1028 AED +0.50% vs mid-market Recipient gets AED 28,719.75 Minutes - 24 hours
Personal account managerReceive to bank account

Ways to receive money in United Arab Emirates with OFX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.1028 AED
AED 28,719.75You pay€7,000.00

Currencies Direct

Pay via Bank transfer
Fee €0.00 1 EUR = 4.0992 AED +0.59% vs mid-market Recipient gets AED 28,694.40 Minutes - 24 hours
Personal account managerMulti-currency cardReceive to bank account

Ways to receive money in United Arab Emirates with Currencies Direct when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.0992 AED
AED 28,694.40You pay€7,000.00

Wise

Pay via iDEAL
Fee €44.82 1 EUR = 4.1236 AED 0.00% vs mid-market Recipient gets AED 28,680.52 Within 3 hours
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in United Arab Emirates with Wise when paying by ideal.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hoursAvailable via:Bank Transfer
€44.821 EUR = 4.1236 AED
AED 28,680.52You pay€7,000.00
Pricing based on Revolut Standard plan

Revolut

Pay via Bank transfer
Fee €31.00 1 EUR = 4.1149 AED +0.21% vs mid-market Recipient gets AED 28,676.48 Within 3 hours
Multi-currency cardReceive to bank account

Ways to receive money in United Arab Emirates with Revolut when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hours
€31.001 EUR = 4.1149 AED
AED 28,676.48You pay€7,000.00

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

CurrencyFair

Pay via Bank transfer
Fee €3.64 1 EUR = 4.0955 AED +0.68% vs mid-market Recipient gets AED 28,653.50 Minutes - 24 hours
Receive to bank account

Ways to receive money in United Arab Emirates with CurrencyFair when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
€3.641 EUR = 4.0955 AED
AED 28,653.50You pay€7,000.00

Xe

Pay via Debit card
Fee €0.00 1 EUR = 4.0924 AED +0.76% vs mid-market Recipient gets AED 28,646.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in United Arab Emirates with Xe when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.0924 AED
AED 28,646.80You pay€7,000.00

Xe

Pay via Bank transfer
Fee €0.00 1 EUR = 4.0924 AED +0.76% vs mid-market Recipient gets AED 28,646.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in United Arab Emirates with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.0924 AED
AED 28,646.80You pay€7,000.00

Xe

Pay via Credit card
Fee €0.00 1 EUR = 4.0924 AED +0.76% vs mid-market Recipient gets AED 28,646.80 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in United Arab Emirates with Xe when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 EUR = 4.0924 AED
AED 28,646.80You pay€7,000.00

Wise

Pay via Debit card
Fee €89.69 1 EUR = 4.1236 AED 0.00% vs mid-market Recipient gets AED 28,495.49 Within 3 hours
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in United Arab Emirates with Wise when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hoursAvailable via:Bank Transfer
€89.691 EUR = 4.1236 AED
AED 28,495.49You pay€7,000.00
$0 fee on first online transfers

MoneyGram

Pay via Debit card
Fee €1.99 1 EUR = 4.0694 AED +1.32% vs mid-market Recipient gets AED 28,485.80 Minutes - 24 hours

Ways to receive money in United Arab Emirates with MoneyGram when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 4.0694 AED
AED 28,485.80You pay€7,001.99
Cash pickupMinutes - 24 hours
€3.991 EUR = 3.9500 AED
AED 27,650.00You pay€7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Credit card
Fee €1.99 1 EUR = 4.0694 AED +1.32% vs mid-market Recipient gets AED 28,485.80 Minutes - 24 hours

Ways to receive money in United Arab Emirates with MoneyGram when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 4.0694 AED
AED 28,485.80You pay€7,001.99
Cash pickupMinutes - 24 hours
€3.991 EUR = 3.9500 AED
AED 27,650.00You pay€7,003.99
$0 fee on first online transfers

MoneyGram

Pay via Bank transfer
Fee €1.99 1 EUR = 4.0694 AED +1.32% vs mid-market Recipient gets AED 28,485.80 Minutes - 24 hours

Ways to receive money in United Arab Emirates with MoneyGram when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hoursAvailable via:All Banks
€1.991 EUR = 4.0694 AED
AED 28,485.80You pay€7,001.99
Cash pickupMinutes - 24 hours
€3.991 EUR = 3.9500 AED
AED 27,650.00You pay€7,003.99

Moneycorp

Pay via Bank transfer
Fee €0.00 1 EUR = 4.0657 AED +1.40% vs mid-market Recipient gets AED 28,459.98 Minutes - 2 days

Ways to receive money in United Arab Emirates with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 EUR = 4.0657 AED
AED 28,459.98You pay€7,000.00

Wise

Pay via Credit card
Fee €131.76 1 EUR = 4.1236 AED 0.00% vs mid-market Recipient gets AED 28,322.01 Within 3 hours
Multi-currency cardReceive to bank accountDedicated support for large transfers

Ways to receive money in United Arab Emirates with Wise when paying by credit card.

MethodFee & ratesRecipient gets
Bank depositWithin 3 hoursAvailable via:Bank Transfer
€131.761 EUR = 4.1236 AED
AED 28,322.01You pay€7,000.00

Deutsche Bank

Pay via Bank transfer
Fee €37.05 1 EUR = 4.0129 AED +2.72% vs mid-market Recipient gets AED 27,941.46 Minutes - 5 days
0 reviews

Ways to receive money in United Arab Emirates with Deutsche Bank when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 5 days
€37.051 EUR = 4.0129 AED
AED 27,941.46You pay€7,000.00
Only available via Mobile App

WorldRemit

Pay via Debit card
Fee €0.95 1 EUR = 3.9763 AED +3.63% vs mid-market Recipient gets AED 27,830.46 Minutes - 2 days
Receive to bank account or cash pickup

Ways to receive money in United Arab Emirates with WorldRemit when paying by debit card.

MethodFee & ratesRecipient gets
Cash pickupMinutes - 2 days
€0.951 EUR = 3.9763 AED
AED 27,830.46You pay€7,000.00
Card depositMinutes - 2 days
Free1 EUR = 3.9420 AED
AED 27,593.79You pay€7,000.00
How Our Results Work
Mid-market rate: 1 EUR = 4.1234 AED Updates every 60 minutes.

How to send money from Germany to UAE

Pick a company

For a one-off transfer from Germany, I suggest picking the cheapest option which is Key Currency.

Key Currency was the cheapest on 26 of the 28 days it quoted €7.000 transfers to the UAE.

On a 7.000 EUR transfer, Key Currency delivers the most AED.

This will change depending on how much you actually send, so I suggest running a live search to get the best EUR/AED rate.

Fund your transfer

You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.

Verify and send

First time round you'll need a photo ID and proof of your German address.

Video identification is also normal and takes a few minutes.

Compare amounts

How much EUR are you sending to UAE?

How much EUR you send to the UAE 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 Key Currency was the cheapest in 94% of the transfers from €7,000 it quoted, and in 94% of all the transfers it quoted.

Cheapest service
€1,0000.17%€1.00AED 4,112.23with bank transfer to bank deposit+AED 62.76
€1,2000.21%€2.00AED 4,929.55with bank transfer to bank deposit+AED 69.37
€5,0000.30%€0.00AED 20,565.05with bank transfer to bank deposit+AED 299.05
€7,000This page0.25%€0.00AED 28,791.91with bank transfer to bank deposit+AED 244.42
€50,0000.20%€0.00AED 205,867.94with bank transfer to bank deposit+AED 1,388.80

Mid-market rate: 1 EUR = 4.1234 AED

EUR/AED Exchange Rate History

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

The cheapest way to send EUR to AED 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 Key Currency), across 30 days of comparisons for 7.000 EUR transfers to the UAE.

AED received for €7,000, after fees

Tue, 10 Nov 2026Mid-market rateAED 28,864.07 Key Currency AED 28,791.91 Deutsche Bank AED 27,941.46Key CurrencyAED 28,791.91Regency FXAED 28,786.14TorFxAED 28,777.48Extra cost of a bankAED 850.45

27.800
28.000
28.200
28.400
28.600
28.800
29.000
29.200
At the mid-market rateWith the cheapest optionWith a bankKey CurrencyRegency FXTorFx
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1167 – AED 28,816.87
Key Currency Cheapest 4.1064 €0.00 AED 28,744.82 −AED 72.05
Regency FX 4.1056 €0.00 AED 28,739.06 −AED 77.81
TorFx 4.1043 €0.00 AED 28,730.41 −AED 86.46
Deutsche Bank 4.0280 €37.05 AED 28,046.60 −AED 770.27
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1068 – AED 28,747.89
Key Currency Cheapest 4.0966 €0.00 AED 28,676.02 −AED 71.87
Regency FX 4.0958 €0.00 AED 28,670.27 −AED 77.62
TorFx 4.0945 €0.00 AED 28,661.64 −AED 86.25
Deutsche Bank 4.0120 €37.05 AED 27,935.09 −AED 812.80
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1147 – AED 28,802.98
Key Currency Cheapest 4.1044 €0.00 AED 28,730.97 −AED 72.01
Regency FX 4.1036 €0.00 AED 28,725.21 −AED 77.77
TorFx 4.1024 €0.00 AED 28,716.57 −AED 86.41
Deutsche Bank 4.0282 €37.05 AED 28,048.15 −AED 754.83
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1161 – AED 28,812.65
Key Currency Cheapest 4.1058 €0.00 AED 28,740.62 −AED 72.03
Regency FX 4.1050 €0.00 AED 28,734.86 −AED 77.79
TorFx 4.1037 €0.00 AED 28,726.21 −AED 86.44
Deutsche Bank 4.0282 €37.05 AED 28,048.15 −AED 764.50
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1266 – AED 28,886.46
Key Currency Cheapest 4.1163 €0.00 AED 28,814.24 −AED 72.22
Regency FX 4.1155 €0.00 AED 28,808.47 −AED 77.99
TorFx 4.1143 €0.00 AED 28,799.80 −AED 86.66
Deutsche Bank 4.0064 €37.05 AED 27,896.22 −AED 990.24
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1269 – AED 28,887.98
Key Currency Cheapest 4.1165 €0.00 AED 28,815.76 −AED 72.22
Regency FX 4.1157 €0.00 AED 28,809.98 −AED 78.00
TorFx 4.1145 €0.00 AED 28,801.31 −AED 86.67
Deutsche Bank 4.0064 €37.05 AED 27,896.22 −AED 991.76
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1269 – AED 28,887.98
Key Currency Cheapest 4.1165 €0.00 AED 28,815.76 −AED 72.22
Regency FX 4.1157 €0.00 AED 28,809.98 −AED 78.00
TorFx 4.1145 €0.00 AED 28,801.31 −AED 86.67
Deutsche Bank 4.0397 €37.05 AED 28,128.23 −AED 759.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1233 – AED 28,863.10
Key Currency Cheapest 4.1130 €0.00 AED 28,790.94 −AED 72.16
Regency FX 4.1122 €0.00 AED 28,785.17 −AED 77.93
TorFx 4.1109 €0.00 AED 28,776.51 −AED 86.59
Deutsche Bank 4.0384 €37.05 AED 28,119.50 −AED 743.60
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1243 – AED 28,870.25
Key Currency Cheapest 4.1140 €0.00 AED 28,798.08 −AED 72.17
Regency FX 4.1132 €0.00 AED 28,792.30 −AED 77.95
TorFx 4.1119 €0.00 AED 28,783.64 −AED 86.61
Deutsche Bank 4.0384 €37.05 AED 28,119.50 −AED 750.75
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1208 – AED 28,845.87
Key Currency Cheapest 4.1105 €0.00 AED 28,773.76 −AED 72.11
Regency FX 4.1097 €0.00 AED 28,767.99 −AED 77.88
TorFx 4.1085 €0.00 AED 28,759.34 −AED 86.53
Deutsche Bank 4.0398 €37.05 AED 28,128.60 −AED 717.27
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 4.1300 €34.68 AED 28,767.12 –
Deutsche Bank 4.0349 €37.05 AED 28,094.65 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1166 – AED 28,815.88
Key Currency Cheapest 4.1063 €0.00 AED 28,743.84 −AED 72.04
Regency FX 4.1054 €0.00 AED 28,738.08 −AED 77.80
TorFx 4.1042 €0.00 AED 28,729.43 −AED 86.45
Deutsche Bank 4.0349 €37.05 AED 28,094.65 −AED 721.23
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1141 – AED 28,798.46
Key Currency Cheapest 4.1038 €0.00 AED 28,726.46 −AED 72.00
Regency FX 4.1030 €0.00 AED 28,720.70 −AED 77.76
TorFx 4.1017 €0.00 AED 28,712.06 −AED 86.40
Deutsche Bank 4.0279 €37.05 AED 28,046.07 −AED 752.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1141 – AED 28,798.46
Key Currency Cheapest 4.1038 €0.00 AED 28,726.46 −AED 72.00
Regency FX 4.1030 €0.00 AED 28,720.70 −AED 77.76
TorFx 4.1017 €0.00 AED 28,712.06 −AED 86.40
Deutsche Bank 4.0279 €37.05 AED 28,046.07 −AED 752.39
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1192 – AED 28,834.30
Key Currency Cheapest 4.1089 €0.00 AED 28,762.21 −AED 72.08
Regency FX 4.1081 €0.00 AED 28,756.44 −AED 77.85
TorFx 4.1068 €0.00 AED 28,747.79 −AED 86.50
Bank No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.0992 – AED 28,694.32
Key Currency Cheapest 4.0889 €0.00 AED 28,622.59 −AED 71.73
Regency FX 4.0881 €0.00 AED 28,616.85 −AED 77.47
TorFx 4.0869 €0.00 AED 28,608.24 −AED 86.08
Deutsche Bank 4.0208 €37.05 AED 27,996.61 −AED 697.71
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.0826 – AED 28,578.19
Xe Cheapest 4.0736 €0.00 AED 28,515.20 −AED 62.99
Key Currency 4.0724 €0.00 AED 28,506.75 −AED 71.44
Regency FX 4.0716 €0.00 AED 28,501.03 −AED 77.16
TorFx 4.0704 €0.00 AED 28,492.46 −AED 85.73
Deutsche Bank 4.0048 €37.05 AED 27,885.11 −AED 693.08
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.0907 – AED 28,634.55
Key Currency Cheapest 4.0804 €0.00 AED 28,562.96 −AED 71.59
Regency FX 4.0796 €0.00 AED 28,557.24 −AED 77.31
TorFx 4.0784 €0.00 AED 28,548.65 −AED 85.90
Deutsche Bank 4.0090 €37.05 AED 27,914.22 −AED 720.33
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1057 – AED 28,739.56
Key Currency Cheapest 4.0954 €0.00 AED 28,667.72 −AED 71.84
Regency FX 4.0946 €0.00 AED 28,661.97 −AED 77.59
TorFx 4.0933 €0.00 AED 28,653.35 −AED 86.21
Deutsche Bank 4.0151 €37.05 AED 27,956.77 −AED 782.79
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1153 – AED 28,807.05
Key Currency Cheapest 4.1050 €0.00 AED 28,735.03 −AED 72.02
Regency FX 4.1042 €0.00 AED 28,729.27 −AED 77.78
TorFx 4.1029 €0.00 AED 28,720.63 −AED 86.42
Deutsche Bank 4.0120 €37.05 AED 27,935.36 −AED 871.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1153 – AED 28,807.05
Key Currency Cheapest 4.1050 €0.00 AED 28,735.03 −AED 72.02
Regency FX 4.1042 €0.00 AED 28,729.27 −AED 77.78
TorFx 4.1029 €0.00 AED 28,720.63 −AED 86.42
Deutsche Bank 4.0120 €37.05 AED 27,935.36 −AED 871.69
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1081 – AED 28,756.56
Key Currency Cheapest 4.0978 €0.00 AED 28,684.67 −AED 71.89
Regency FX 4.0970 €0.00 AED 28,678.92 −AED 77.64
TorFx 4.0958 €0.00 AED 28,670.29 −AED 86.27
Deutsche Bank 4.0115 €37.05 AED 27,931.61 −AED 824.95
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1095 – AED 28,766.19
Xe Cheapest 4.1018 €0.00 AED 28,712.60 −AED 53.59
Key Currency 4.0992 €0.00 AED 28,694.28 −AED 71.91
Regency FX 4.0984 €0.00 AED 28,688.52 −AED 77.67
TorFx 4.0971 €0.00 AED 28,679.89 −AED 86.30
Deutsche Bank 4.0271 €37.05 AED 28,040.20 −AED 725.99
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
Wise Cheapest 4.1259 €34.68 AED 28,738.07 –
Deutsche Bank 4.0271 €37.05 AED 28,040.20 –
Key Currency No quote collected this day – – – –
Regency FX No quote collected this day – – – –
TorFx No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1363 – AED 28,954.10
Key Currency Cheapest 4.1260 €0.00 AED 28,881.71 −AED 72.39
Regency FX 4.1251 €0.00 AED 28,875.92 −AED 78.18
TorFx 4.1239 €0.00 AED 28,867.24 −AED 86.86
Deutsche Bank 4.0362 €37.05 AED 28,103.93 −AED 850.17
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1083 – AED 28,758.17
Key Currency Cheapest 4.0980 €0.00 AED 28,686.27 −AED 71.90
Regency FX 4.0972 €0.00 AED 28,680.52 −AED 77.65
TorFx 4.0960 €0.00 AED 28,671.90 −AED 86.27
Deutsche Bank 4.0362 €37.05 AED 28,103.88 −AED 654.29
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.0957 – AED 28,669.91
Key Currency Cheapest 4.0855 €0.00 AED 28,598.23 −AED 71.68
Regency FX 4.0846 €0.00 AED 28,592.50 −AED 77.41
TorFx 4.0834 €0.00 AED 28,583.90 −AED 86.01
Deutsche Bank 4.0109 €37.05 AED 27,927.70 −AED 742.21
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.0951 – AED 28,665.71
Key Currency Cheapest 4.0849 €0.00 AED 28,594.05 −AED 71.66
Regency FX 4.0840 €0.00 AED 28,588.32 −AED 77.39
TorFx 4.0828 €0.00 AED 28,579.72 −AED 85.99
Deutsche Bank 4.0109 €37.05 AED 27,927.70 −AED 738.01
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1005 – AED 28,703.58
Key Currency Cheapest 4.0903 €0.00 AED 28,631.82 −AED 71.76
Regency FX 4.0894 €0.00 AED 28,626.08 −AED 77.50
TorFx 4.0882 €0.00 AED 28,617.47 −AED 86.11
Deutsche Bank 4.0129 €37.05 AED 27,941.46 −AED 762.12
Exchange rateFeeRecipient getsDifference
Mid-market rate 4.1234 – AED 28,864.07
Key Currency Cheapest 4.1131 €0.00 AED 28,791.91 −AED 72.16
Regency FX 4.1123 €0.00 AED 28,786.14 −AED 77.93
TorFx 4.1111 €0.00 AED 28,777.48 −AED 86.59
Deutsche Bank 4.0129 €37.05 AED 27,941.46 −AED 922.61

Exchange rateFeeRecipient getsDifference

Each line shows what the recipient gets when you send €7,000, after fees, as quoted by each company. The mid-market line shows what €7,000 converts to at the real exchange rate, with no fees or markup. Rates are checked once a day. Sponsored placements never affect this data. The bank line is the cheapest bank available on each day.

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 AED per EUR 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 AED on every transfer from Germany.

Right now, Key Currency pays 28.791,91 AED on 7.000 EUR, which is 72,16 AED less than the mid-market amount.

Today's payout isn't the best this month though, since the highest receive amount was 28.881,71 AED.

If you can wait and want to get the most out of your transfer, create a rate alert and we'll let you know when the rate improves.

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 the UAE.

We've tracked 146 comparisons to check how often today's top companies were the cheapest across 5 amounts over the past month.

  1. Key CurrencyAppeared in 54 comparisons

    Cheapest in 94% of them

  2. Regency FXAppeared in 54 comparisons

    Never the cheapest

  3. TorFxAppeared in 83 comparisons

    Cheapest in 35% of them

  4. Deutsche BankAppeared in 145 comparisons

    Never the cheapest

Based on 146 comparisons across 5 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 Key Currency is the cheapest, but it only quotes some of the amounts we track, so it isn't included in these figures.

Ways to send money from Germany to UAE

There are 13 companies for sending money from Germany to the United Arab Emirates, across currency broker, app, online, multi-currency account, global business account, in person, and bank, and more below.

Fastest and easiest way

Online and app transfers

Within the eurozone, SEPA covers all transfers, but outside, it gets very expensive and money transfer companies make it cheaper.

Sending €7.000 with Wise to the United Arab Emirates gets you 28.722,33 AED with a €34,68 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 18 of the 29 days it quoted.

Debit cards (and Apple Pay / Google Pay) usually have instant deposits, but your girocard usually won't work as a funding method.

For paying in cash at a counter

In-person transfers

There's no legal limit on how much you can send, so the counter in the kiosk, the callshop or the grocery store is still a popular way to send money internationally.

Deposit €7.000 to MoneyGram online, and choose cash pickup as delivery option. Once you pay, it should be available in minutes.

Our data shows MoneyGram came out cheapest among in-person options on 100% of days in the past month.

In general, online transfers are cheaper than sending cash to the UAE.

For Euro transfers only

Banks

Inside the eurozone, banks use a SEPA transfer which is cheap or free and there's little reason to look further.

Outside the eurozone, banks like Deutsche Bank are much more expensive.

On a €7.000 transfer, Deutsche Bank delivers 27.941,46 AED vs 28.791,91 AED with Key Currency.

We found Deutsche Bank was the cheapest bank on 29 of the 29 days it appeared for this amount.

For large transfers from Germany

Currency brokers

For buying property, moving to the UAE, or moving pensions, a currency broker is the best option.

A broker like Key Currency charges no fee and works on a margin. It adds 0,25% on EUR/AED which gets negotiated the more you send.

And you get an account manager to help you through the process.

Our analysis shows Key Currency was the cheapest broker in 94% of the transfers from €7,000 it quoted.

For some international payments above €50,000, German residents may need to file an AWV report with the Bundesbank, make sure to check in advance.

For making business payments

Global accounts

Global accounts are for businesses making payments to the UAE.

Be it overseas suppliers and contractors, receiving AED payments, or holding AED and EUR in one business account.

Companies like Airwallex, WorldFirst, or Wise Business offer the best tools for international business transfers.

For spending & receiving

Multi-currency accounts

A multi-currency account lets you hold EUR and AED in one account.

You get AED bank details, and can receive international payments like rent, dividends, family payments without additional conversions.

You can convert AED to EUR or EUR to AED whenever you need.

The best multi-currency account is Wise, it adds ~0% markup and charges small fees.

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

Ways to fund EUR and receive AED in UAE

With Key Currency, paying by bank transfer and receiving through bank deposit is the cheapest way. Sending €7.000 gives your recipient 28.791,91 AED.

Our data shows that Key Currency gets your recipient 850,45 AED more than Deutsche Bank, today's cheapest bank, on the same €7.000.

You can pay for the transfer using bank transfer, debit card, credit card, and iDEAL.

Using German bank

A SEPA bank transfer is usually the cheapest way to deposit EUR.

An instant SEPA payment can reduce funding time, but it does not guarantee instant delivery to the United Arab Emirates.

The recipient in the United Arab Emirates can receive AED by bank deposit, cash pickup, and card deposit.

To receive AED by bank deposit

Enter the recipient's banking details and account holder's name.

Check both before sending because correcting a bank deposit will delay the transfer.

They can receive cash in the United Arab Emirates

For cash pickup, the recipient needs to visit the nearest MoneyGram branch and bring a valid photo ID and the transfer reference number.

  1. 1
    Bank transfer Bank deposit

    You pay €7,000.00

    AED28,792

    Cheapest

  2. 2
    iDEAL Bank deposit

    You pay €7,000.00

    AED28,681

    -AED111

  3. 3
    Debit card Bank deposit

    You pay €7,000.00

    AED28,647

    -AED145

  4. 4
    Credit card Bank deposit

    You pay €7,000.00

    AED28,647

    -AED145

  5. 5
    Debit card Cash pickup

    You pay €7,000.00

    AED27,830

    -AED961

Show moreShow less
  1. 6
    Bank transfer Cash pickup

    You pay €7,003.99

    AED27,650

    -AED1,142

  2. 7
    Credit card Cash pickup

    You pay €7,003.99

    AED27,650

    -AED1,142

  3. 8
    Debit card Card deposit

    You pay €7,000.00

    AED27,594

    -AED1,198

Things to know before sending money from Germany to UAE

The main question in Germany is whether you are sending euros inside SEPA or converting them. Large cross-border payments can also create a Bundesbank reporting duty.

Compare EUR/AED transfer options

For a €7.000 transfer to the United Arab Emirates, these are the best options:

Cheapest way to send money to the United Arab Emirates

The cheapest option is Key Currency, funded by bank transfer with bank deposit for the payout. Your recipient gets 28.791,91 AED, which is 0,02% more than the next best option.

Fastest way to send money to the United Arab Emirates

The fastest option is Wise. Pay by bank transfer and choose bank deposit for the payout. Your recipient gets 28.722,33 AED in same day.

Transfers over €50,000 may get reported

Germany's AWV reporting threshold is €50,000.

A German resident may need to report a payment above that amount to the Bundesbank when it is made to a non-resident.

It is a statistics report, not a tax or permission request.

Transfers between your own domestic and foreign accounts are exempt, and other exemptions apply depending on the payment purpose.

The automated AWV notice shown by a bank does not mean every transfer is reportable.

The Bundesbank guidance for private individuals explains who reports, what is exempt and how to file.

SEPA and SWIFT are different

If the recipient has a euro account in the SEPA area, a normal SEPA payment can be the simplest option.

A payment converted into AED sits outside that pricing rule and may involve another bank or payout partner.

Check whether the quote uses SHA, OUR or BEN charges on a bank transfer.

This decides whether intermediary costs are shared, paid by you or deducted from what the recipient receives.

How we analyse the market

Nothing reaches this table without going through our review first, and every company is BaFin-registered or passported into Germany.

We then track 13 of them on EUR to the United Arab Emirates, comparing rates, fees and the pay-in and payout options.

In the past 30 days alone, we analysed 146 comparisons across 5 amounts.

This page covers the cheapest and fastest options for EUR/AED 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.

More on who we are, why you can trust us and how to get started.

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