We’ve compared and analysed 10 money transfer companies in Finland.
| 10 of 10 providers Last updated on 28 October 2026 | |||
| Based on 7,000 EUR transfer Best companies for EUR/AED transfers | |||
| Promoted  Wise Pay via Bank transfer | Fee €34.68 1 EUR = 4.0847 AED -0.03% vs mid-market | Recipient gets AED 28,451.17 Same day | |
Ways to receive money in United Arab Emirates with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €34.681 EUR = 4.0847 AED AED 28,451.17You pay€7,000.00 | |||
| Promoted  Xe Pay via Debit card | Fee €0.00 1 EUR = 4.0736 AED +0.25% vs mid-market | Recipient gets AED 28,515.20 Minutes - 24 hours | |
Ways to receive money in United Arab Emirates with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.0736 AED AED 28,515.20You pay€7,000.00 | |||
Run a live search Showing top Finland to United Arab Emirates deals for 7,000 EUR. 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 EUR to AED rates. | |||
Run a live search These companies offer multi-currency accounts for spending AED. We suggest doing a live search based on how much EUR you're planning to spend in United Arab Emirates. | |||
Run a live search These are managed services with real human support for large EUR transfers. Click the link and update the transfer amount to get the best deal. | |||
| Xe Pay via Debit card | Fee €0.00 1 EUR = 4.0736 AED +0.25% vs mid-market | Recipient gets AED 28,515.20 Minutes - 24 hours | |
Ways to receive money in United Arab Emirates with Xe when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.0736 AED AED 28,515.20You pay€7,000.00 | |||
| Xe Pay via Bank transfer | Fee €0.00 1 EUR = 4.0736 AED +0.25% vs mid-market | Recipient gets AED 28,515.20 Minutes - 24 hours | |
Ways to receive money in United Arab Emirates with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.0736 AED AED 28,515.20You pay€7,000.00 | |||
| Xe Pay via Credit card | Fee €0.00 1 EUR = 4.0736 AED +0.25% vs mid-market | Recipient gets AED 28,515.20 Minutes - 24 hours | |
Ways to receive money in United Arab Emirates with Xe when paying by credit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.0736 AED AED 28,515.20You pay€7,000.00 | |||
| Exclusive: Special Rate for 1st Transfer  Key Currency Pay via Bank transfer | Fee €0.00 1 EUR = 4.0734 AED +0.25% vs mid-market | Recipient gets AED 28,513.69 Minutes - 3 days | |
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 = 4.0734 AED AED 28,513.69You pay€7,000.00 | |||
| Exclusive: First Transfer Deal  Regency FX Pay via Bank transfer | Fee €0.00 1 EUR = 4.0726 AED +0.27% vs mid-market | Recipient gets AED 28,507.97 Minutes - 24 hours | |
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 = 4.0726 AED AED 28,507.97You pay€7,000.00 | |||
 TorFx Pay via Bank transfer | Fee €0.00 1 EUR = 4.0713 AED +0.30% vs mid-market | Recipient gets AED 28,499.40 Minutes - 24 hours | |
Ways to receive money in United Arab Emirates with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.0713 AED AED 28,499.40You pay€7,000.00 | |||
| Wise Pay via Bank transfer | Fee €34.68 1 EUR = 4.0847 AED -0.03% vs mid-market | Recipient gets AED 28,451.17 Same day | |
Ways to receive money in United Arab Emirates with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €34.681 EUR = 4.0847 AED AED 28,451.17You pay€7,000.00 | |||
 OFX Pay via Bank transfer | Fee €0.00 1 EUR = 4.0632 AED +0.50% vs mid-market | Recipient gets AED 28,442.23 Minutes - 24 hours | |
Ways to receive money in United Arab Emirates with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 EUR = 4.0632 AED AED 28,442.23You pay€7,000.00 | |||
| Wise Pay via iDEAL | Fee €44.82 1 EUR = 4.0847 AED -0.03% vs mid-market | Recipient gets AED 28,409.75 Same day | |
Ways to receive money in United Arab Emirates with Wise when paying by ideal. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €44.821 EUR = 4.0847 AED AED 28,409.75You pay€7,000.00 | |||
 CurrencyFair Pay via Bank transfer | Fee €3.67 1 EUR = 4.0560 AED +0.68% vs mid-market | Recipient gets AED 28,377.00 Minutes - 24 hours | |
Ways to receive money in United Arab Emirates with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours €3.671 EUR = 4.0560 AED AED 28,377.00You pay€7,000.00 | |||
| Pricing based on Revolut Standard plan  Revolut Pay via Bank transfer | Fee €70.50 1 EUR = 4.0792 AED +0.11% vs mid-market | Recipient gets AED 28,267.10 Same day | |
Ways to receive money in United Arab Emirates with Revolut when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositSame day €70.501 EUR = 4.0792 AED AED 28,267.10You 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. | |||
| Wise Pay via Debit card | Fee €89.69 1 EUR = 4.0847 AED -0.03% vs mid-market | Recipient gets AED 28,226.47 Same day | |
Ways to receive money in United Arab Emirates with Wise when paying by debit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €89.691 EUR = 4.0847 AED AED 28,226.47You pay€7,000.00 | |||
 Moneycorp Pay via Bank transfer | Fee €0.00 1 EUR = 4.0264 AED +1.40% vs mid-market | Recipient gets AED 28,184.96 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 = 4.0264 AED AED 28,184.96You pay€7,000.00 | |||
| Wise Pay via Credit card | Fee €131.76 1 EUR = 4.0847 AED -0.03% vs mid-market | Recipient gets AED 28,054.63 Same day | |
Ways to receive money in United Arab Emirates with Wise when paying by credit card. MethodFee & ratesRecipient gets Bank depositSame dayAvailable via:Bank Transfer €131.761 EUR = 4.0847 AED AED 28,054.63You pay€7,000.00 | |||
| Only available via Mobile App  WorldRemit Pay via Debit card | Fee €0.95 1 EUR = 3.9377 AED +3.64% vs mid-market | Recipient gets AED 27,560.30 Minutes - 2 days | |
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 = 3.9377 AED AED 27,560.30You pay€7,000.00 | |||
| How Our Results Work Mid-market rate: 1 EUR = 4.0836 AED Updates every 60 minutes. | |||
Transfer details
For a one-off EUR transfer to UAE, start with Xe.
Xe was the cheapest on 2 of the 30 days it quoted €7,000 transfers to UAE.
On a 7,000 EUR transfer, Xe delivers the most AED.
The cheapest option depends on the amount, so I suggest to get the best EUR/AED rate.
You have 4 ways to pay, including bank transfer, debit card, credit card, and iDEAL.
Select how you want the recipient to pick up the money. For transfers to UAE they can receive it via bank deposit and cash pickup.
If it's your first time using the service, you will need to verify your account.
This usually takes a few minutes to a few hours.
If your transfer is urgent, make sure to get it done beforehand to avoid any delays.
How much EUR you send to 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 Xe was the cheapest in 9% of the transfers from €2,000 it quoted, and in 9% of all the transfers it quoted.
| Cheapest service | |||||
|---|---|---|---|---|---|
| €500 | 0.36% | €0.00 | AED 2,034.95with debit card to bank deposit | +AED 22.81 | |
| €2,000 | 0.36% | €0.00 | AED 8,139.00with debit card to bank deposit | +AED 50.67 | |
| €7,000This page | 0.25% | €0.00 | AED 28,515.20with debit card to bank deposit | +AED 179.18 |
Mid-market rate: 1 EUR = 4.0836 AED
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 Xe), across 30 days of comparisons for 7,000 EUR transfers to UAE.
Wed, 28 Oct 2026Mid-market rateAED 28,585.15 Xe AED 28,515.20XeAED 28,515.20Key CurrencyAED 28,513.69Regency FXAED 28,507.97
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 4.1670 | €34.68 | AED 29,024.63 | – |
| | 4.1438 | €0.00 | AED 29,006.60 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1691 | – | AED 29,183.58 | |
| | 4.1587 | €0.00 | AED 29,110.62 | −AED 72.96 |
| | 4.1578 | €0.00 | AED 29,104.79 | −AED 78.79 |
| | 4.1307 | €0.00 | AED 28,914.90 | −AED 268.68 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1514 | – | AED 29,059.51 | |
| | 4.1410 | €0.00 | AED 28,986.86 | −AED 72.65 |
| | 4.1402 | €0.00 | AED 28,981.05 | −AED 78.46 |
| | 4.1205 | €0.00 | AED 28,843.50 | −AED 216.01 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1353 | – | AED 28,946.76 | |
| | 4.1249 | €0.00 | AED 28,874.39 | −AED 72.37 |
| | 4.1241 | €0.00 | AED 28,868.60 | −AED 78.16 |
| | 4.0950 | €0.00 | AED 28,665.00 | −AED 281.76 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1356 | – | AED 28,949.25 | |
| | 4.1253 | €0.00 | AED 28,876.88 | −AED 72.37 |
| | 4.1244 | €0.00 | AED 28,871.09 | −AED 78.16 |
| | 4.0986 | €0.00 | AED 28,690.20 | −AED 259.05 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1350 | – | AED 28,945.02 | |
| | 4.1247 | €0.00 | AED 28,872.66 | −AED 72.36 |
| | 4.1238 | €0.00 | AED 28,866.87 | −AED 78.15 |
| | 4.0986 | €0.00 | AED 28,690.20 | −AED 254.82 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1115 | – | AED 28,780.39 | |
| | 4.1012 | €0.00 | AED 28,708.44 | −AED 71.95 |
| | 4.1004 | €0.00 | AED 28,702.68 | −AED 77.71 |
| | 4.0713 | €0.00 | AED 28,499.10 | −AED 281.29 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1179 | – | AED 28,825.22 | |
| | 4.1076 | €0.00 | AED 28,753.15 | −AED 72.07 |
| | 4.1068 | €0.00 | AED 28,747.39 | −AED 77.83 |
| | 4.0855 | €0.00 | AED 28,598.50 | −AED 226.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1192 | – | AED 28,834.64 | |
| | 4.1089 | €0.00 | AED 28,762.55 | −AED 72.09 |
| | 4.1081 | €0.00 | AED 28,756.78 | −AED 77.86 |
| | 4.0939 | €0.00 | AED 28,657.30 | −AED 177.34 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1113 | – | AED 28,778.76 | |
| | 4.1010 | €0.00 | AED 28,706.82 | −AED 71.94 |
| | 4.1002 | €0.00 | AED 28,701.06 | −AED 77.70 |
| | 4.0782 | €0.00 | AED 28,547.40 | −AED 231.36 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1233 | – | AED 28,863.42 | |
| | 4.1130 | €0.00 | AED 28,791.26 | −AED 72.16 |
| | 4.1122 | €0.00 | AED 28,785.49 | −AED 77.93 |
| | 4.0761 | €0.00 | AED 28,532.70 | −AED 330.72 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1148 | – | AED 28,803.82 | |
| | 4.1045 | €0.00 | AED 28,731.81 | −AED 72.01 |
| | 4.1037 | €0.00 | AED 28,726.05 | −AED 77.77 |
| | 4.0804 | €0.00 | AED 28,562.80 | −AED 241.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1148 | – | AED 28,803.82 | |
| | 4.1045 | €0.00 | AED 28,731.81 | −AED 72.01 |
| | 4.1037 | €0.00 | AED 28,726.05 | −AED 77.77 |
| | 4.0804 | €0.00 | AED 28,562.80 | −AED 241.02 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1148 | – | AED 28,803.59 | |
| | 4.1045 | €0.00 | AED 28,731.58 | −AED 72.01 |
| | 4.1037 | €0.00 | AED 28,725.82 | −AED 77.77 |
| | 4.0804 | €0.00 | AED 28,562.80 | −AED 240.79 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1064 | – | AED 28,744.66 | |
| | 4.0961 | €0.00 | AED 28,672.80 | −AED 71.86 |
| | 4.0953 | €0.00 | AED 28,667.05 | −AED 77.61 |
| | 4.0695 | €0.00 | AED 28,486.50 | −AED 258.16 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | – | – | – | |
| | 4.1114 | €34.68 | AED 28,637.43 | – |
| | 4.0786 | €0.00 | AED 28,550.20 | – |
| | – | – | – | – |
| | – | – | – | – |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1173 | – | AED 28,821.03 | |
| | 4.1070 | €0.00 | AED 28,748.98 | −AED 72.05 |
| | 4.1062 | €0.00 | AED 28,743.21 | −AED 77.82 |
| | 4.0786 | €0.00 | AED 28,550.20 | −AED 270.83 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1275 | – | AED 28,892.64 | |
| | 4.1172 | €0.00 | AED 28,820.41 | −AED 72.23 |
| | 4.1164 | €0.00 | AED 28,814.63 | −AED 78.01 |
| | 4.0870 | €0.00 | AED 28,609.00 | −AED 283.64 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1269 | – | AED 28,887.98 | |
| | 4.1165 | €0.00 | AED 28,815.76 | −AED 72.22 |
| | 4.1157 | €0.00 | AED 28,809.98 | −AED 78.00 |
| | 4.1073 | €0.00 | AED 28,751.10 | −AED 136.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1269 | – | AED 28,887.98 | |
| | 4.1165 | €0.00 | AED 28,815.76 | −AED 72.22 |
| | 4.1157 | €0.00 | AED 28,809.98 | −AED 78.00 |
| | 4.1073 | €0.00 | AED 28,751.10 | −AED 136.88 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1146 | – | AED 28,802.33 | |
| | 4.1073 | €0.00 | AED 28,751.10 | −AED 51.23 |
| | 4.1043 | €0.00 | AED 28,730.32 | −AED 72.01 |
| | 4.1035 | €0.00 | AED 28,724.56 | −AED 77.77 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1236 | – | AED 28,865.44 | |
| | 4.1133 | €0.00 | AED 28,793.27 | −AED 72.17 |
| | 4.1125 | €0.00 | AED 28,787.50 | −AED 77.94 |
| | 4.0845 | €0.00 | AED 28,591.50 | −AED 273.94 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1222 | – | AED 28,855.53 | |
| | 4.1119 | €0.00 | AED 28,783.39 | −AED 72.14 |
| | 4.1111 | €0.00 | AED 28,777.62 | −AED 77.91 |
| | 4.0989 | €0.00 | AED 28,692.30 | −AED 163.23 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1261 | – | AED 28,882.90 | |
| | 4.1158 | €0.00 | AED 28,810.69 | −AED 72.21 |
| | 4.1150 | €0.00 | AED 28,804.91 | −AED 77.99 |
| | 4.1018 | €0.00 | AED 28,712.60 | −AED 170.30 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1139 | – | AED 28,797.38 | |
| | 4.1036 | €0.00 | AED 28,725.38 | −AED 72.00 |
| | 4.1028 | €0.00 | AED 28,719.62 | −AED 77.76 |
| | 4.0822 | €0.00 | AED 28,575.40 | −AED 221.98 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1141 | – | AED 28,798.46 | |
| | 4.1038 | €0.00 | AED 28,726.46 | −AED 72.00 |
| | 4.1030 | €0.00 | AED 28,720.70 | −AED 77.76 |
| | 4.0782 | €0.00 | AED 28,547.40 | −AED 251.06 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1141 | – | AED 28,798.46 | |
| | 4.1038 | €0.00 | AED 28,726.46 | −AED 72.00 |
| | 4.1030 | €0.00 | AED 28,720.70 | −AED 77.76 |
| | 4.0930 | €0.00 | AED 28,651.00 | −AED 147.46 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1162 | – | AED 28,813.72 | |
| | 4.1060 | €0.00 | AED 28,741.69 | −AED 72.03 |
| | 4.1051 | €0.00 | AED 28,735.92 | −AED 77.80 |
| | 4.0782 | €0.00 | AED 28,547.40 | −AED 266.32 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.1001 | – | AED 28,700.36 | |
| | 4.0898 | €0.00 | AED 28,628.61 | −AED 71.75 |
| | 4.0890 | €0.00 | AED 28,622.87 | −AED 77.49 |
| | 4.0806 | €0.00 | AED 28,564.20 | −AED 136.16 |
| Exchange rate | Fee | Recipient gets | Difference | |
|---|---|---|---|---|
| Mid-market rate | 4.0836 | – | AED 28,585.15 | |
| | 4.0736 | €0.00 | AED 28,515.20 | −AED 69.95 |
| | 4.0734 | €0.00 | AED 28,513.69 | −AED 71.46 |
| | 4.0726 | €0.00 | AED 28,507.97 | −AED 77.18 |
| Exchange rate | Fee | Recipient gets | Difference |
|---|
| Mid-market rate | 4.0836 | – | AED 28,585.15 | |
|---|---|---|---|---|
| | ||||
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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. 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 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 Finland.
Right now, Xe pays 28,515.2 AED on 7,000 EUR, which is 69.95 AED less than the mid-market amount.
Today's payout isn't the best this month though, since the highest receive amount was 29,110.62 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.
Just because a company is the cheapest today doesn't mean it's always the best option for sending money to UAE.
We've tracked 62 comparisons to check how often today's top companies were the cheapest across 3 amounts over the past month.
Cheapest in 21% of them
Cheapest in 86% of them
Never the cheapest
Based on 21 comparisons across 3 amounts over the last 7 days.
Cheapest in 9% of them
Cheapest in 93% of them
Never the cheapest
Based on 62 comparisons across 3 amounts over the last 30 days.
Cheapest in 13% of them
Cheapest in 87% of them
Never the cheapest
Based on 72 comparisons across 3 amounts over the last 90 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 Xe is the cheapest and gets you the most AED, but it was the cheapest in only 9% of the 44 comparisons it appeared in over the past month.
If it's a one-off transfer, go with Xe, since it's the cheapest right now.
10 companies send money from Finland to United Arab Emirates, mostly through broker, app, online, global account, and multi-currency account, and a few more ways.
Usually the cheapest
Companies like Xe will get you 28,515.2 AED on a €7,000 transfer.
In our comparisons over the past month, it was the cheapest online service on 5 of the 30 days it quoted.
If it's the only time you send money to UAE, then it's the best option.
For recurring transfers, an app is a bit more convenient.
For regular transfers
For the regular smaller transfer, apps are convenient and cheap.
Xe charges €0 on a €7,000 transfer, and 28,515.2 AED arrives in minutes - 24 hours.
Over the past month, Xe was the cheapest app on 17% of the days it appeared for €7,000 transfers.
In UAE they can receive money via bank deposit and cash pickup.
Moving money between your own accounts
Companies like Wise let you hold EUR and AED balances in one account.
You can convert between them any time, and it's cheap.
For example, converting 7,000 EUR to AED with Wise gets you 28,451.17 AED (€34.68 in fees and -0.03% markup).
This is especially useful for travel since you are spending in AED (no extra fees from Wise, only local ATMs).
Over the past month, it came out cheapest among multi-currency accounts on 100% of days.
For freelancers and SMEs
Global accounts are for companies and freelancers making payments to UAE.
Companies like Wise Business, Airwallex, Holvi or Payoneer offer business features like batch payments, invoicing, admin tools, and more.
For sending large sums
Currency brokers are good for sending €10,000+ to United Arab Emirates. They charge no fees and add a markup on the rate.
Xe charges no fee but adds 0.25% markup on top of the EUR/AED rate.
Our analysis shows Xe was the cheapest broker in 16% of the transfers from €2,000 it quoted.
With Xe, paying by debit card and receiving through bank deposit is the cheapest combination. Sending €7,000 gives your recipient 28,515.2 AED.
To pay for your transfer in Finland, you have bank transfer, debit card, credit card, and iDEAL.
MobilePay and Siirto are useful for payments within Finland, but they do not send money to United Arab Emirates directly.
For withdrawals in United Arab Emirates, use bank deposit and cash pickup.
Receive AED
The name should match the account holder's bank record, so double check it before sending.
Your recipient can also collect AED from a nearby agent in United Arab Emirates.
You pay €7,000.00
AED28,515
Cheapest
You pay €7,000.00
AED28,515
AED0
You pay €7,000.00
AED28,515
AED0
You pay €7,000.00
AED28,410
-AED105
You pay €7,000.00
AED27,560
-AED955
For a transfer from Finland, compare the AED received and check whether the payment is a taxable gift rather than ordinary family support.
For a €7,000 transfer to United Arab Emirates, these are the current cheapest, fastest and easiest options.
Cheapest
Xe is cheapest when funded by debit card with bank deposit for the payout. Your recipient gets 28,515.2 AED, which is 0.01% more than the next best option.
Fastest
Wise delivers 28,451.17 AED in same day when you pay by bank transfer and choose bank deposit.
If you live in Finland and send someone abroad a cash gift, Finnish gift tax can still apply.
The recipient must file and pay the tax when gifts from you reach €7,500 or more within three years.
Education and maintenance costs may be exempt if you pay the university, landlord or other company directly.
Cash sent to the recipient is treated as a normal gift because they can spend it on anything.
Finnish banks and transfer companies can ask for the source and purpose of an unusual payment.
Keep the invoice, sale document or account statement ready.
SEPA Instant may fund the company's euro account quickly, but the company still needs to complete the payout in United Arab Emirates.
An EEA company may be authorised in another country and operate in Finland through passporting.
If a company does not resolve a complaint, FINE provides guidance and dispute support for financial customers in Finland.
Never move money to a so-called safe account or approve an unexpected bank-identification request.
When in doubt, check the company in the FIN-FSA supervised-entities register.
Every company here is registered with the FIN-FSA or passported in from elsewhere in the EU.
We track 10 of them on EUR to United Arab Emirates, comparing rates, fees and the ways to pay in and collect, updated in real time on live searches.
In the past 30 days alone, we analysed 62 comparisons across 3 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.
Nothing appears without passing our review.
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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