Best companies for AED/INR transfers
9 of 9 providers Last updated on 28 October 2026
Based on 25,000 AED transfer Best companies for AED/INR transfers Sort Cheapest
Promoted Wise Pay via Bank transfer	Fee AED 227.54 1 AED = 25.9192 INR 0.00% vs mid-market	Recipient gets ₹642,082.35 Within minutes
25 reviews Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 227.541 AED = 25.9192 INR ₹642,082.35You payAED 25,000.00
Promoted Xe Pay via Bank transfer	Fee AED 0.00 1 AED = 25.4448 INR +1.84% vs mid-market	Recipient gets ₹636,120.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in India with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.4448 INR ₹636,120.00You payAED 25,000.00
Run a live search Showing top United Arab Emirates to India 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 INR rates.
Run a live search These companies offer multi-currency accounts for spending INR. We suggest doing a live search based on how much AED you're planning to spend in India.
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.
TapTap Send Pay via Debit card	Fee AED 5.00 1 AED = 26.0000 INR -0.31% vs mid-market	Recipient gets ₹650,000.00 Minutes
0 reviews CheapestFastest Receive to bank account
Ways to receive money in India with TapTap Send when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes AED 5.001 AED = 26.0000 INR ₹650,000.00You payAED 25,005.00 UPIMinutesAvailable via:UPI AED 5.001 AED = 26.0000 INR ₹650,000.00You payAED 25,005.00
Get 5% Cashback Aspora Pay via Bank transfer	Fee AED 0.00 1 AED = 25.9184 INR 0.00% vs mid-market	Recipient gets ₹647,959.72 Minutes - 24 hours
9 reviews Receive to bank accountTailored for the Indian Diaspora
Ways to receive money in India with Aspora when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.9184 INR ₹647,959.72You payAED 25,000.00

Get 5% Cashback Aspora Pay via Debit card	Fee AED 0.00 1 AED = 25.9184 INR 0.00% vs mid-market	Recipient gets ₹647,959.72 Minutes - 24 hours
9 reviews Receive to bank accountTailored for the Indian Diaspora
Ways to receive money in India with Aspora when paying by debit card. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.9184 INR ₹647,959.72You payAED 25,000.00
Exclusive: First Transfer Deal Regency FX Pay via Bank transfer	Fee AED 0.00 1 AED = 25.8484 INR +0.27% vs mid-market	Recipient gets ₹646,210.23 Minutes - 24 hours
9 reviews Personal account managerReceive to bank accountProfessional, personal service
Ways to receive money in India with Regency FX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.8484 INR ₹646,210.23You payAED 25,000.00
TorFx Pay via Bank transfer	Fee AED 0.00 1 AED = 25.8406 INR +0.30% vs mid-market	Recipient gets ₹646,015.85 Minutes - 24 hours
2 reviews Personal account managerReceive to bank accountIdeal for buying property abroad
Ways to receive money in India with TorFx when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.8406 INR ₹646,015.85You payAED 25,000.00
OFX Pay via Bank transfer	Fee AED 0.00 1 AED = 25.7888 INR +0.50% vs mid-market	Recipient gets ₹644,719.93 Minutes - 24 hours
7 reviews Personal account managerReceive to bank account
Ways to receive money in India with OFX when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.7888 INR ₹644,719.93You payAED 25,000.00
CurrencyFair Pay via Bank transfer	Fee AED 4.63 1 AED = 25.7246 INR +0.75% vs mid-market	Recipient gets ₹642,995.00 Minutes - 24 hours
3 reviews Receive to bank account
Ways to receive money in India with CurrencyFair when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours AED 4.631 AED = 25.7246 INR ₹642,995.00You payAED 25,000.00
Currencies Direct Pay via Bank transfer	Fee AED 0.00 1 AED = 25.6867 INR +0.90% vs mid-market	Recipient gets ₹642,167.50 Minutes - 24 hours
3 reviews Personal account managerMulti-currency cardReceive to bank account
Ways to receive money in India with Currencies Direct when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.6867 INR ₹642,167.50You payAED 25,000.00
Wise Pay via Bank transfer	Fee AED 227.54 1 AED = 25.9192 INR 0.00% vs mid-market	Recipient gets ₹642,082.35 Within minutes
25 reviews Recommended Multi-currency cardReceive to bank accountDedicated support for large transfers
Ways to receive money in India with Wise when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositWithin minutesAvailable via:Bank Transfer AED 227.541 AED = 25.9192 INR ₹642,082.35You payAED 25,000.00
Xe Pay via Bank transfer	Fee AED 0.00 1 AED = 25.4448 INR +1.84% vs mid-market	Recipient gets ₹636,120.00 Minutes - 24 hours
4 reviews Personal account managerReceive to bank accountDedicated support for larger transactions
Ways to receive money in India with Xe when paying by bank transfer. MethodFee & ratesRecipient gets Bank depositMinutes - 24 hours Free1 AED = 25.4448 INR ₹636,120.00You payAED 25,000.00
How Our Results Work Mid-market rate: 1 AED = 25.9184 INR Updates every 60 minutes.

Why compare

AED/INR exchange rate

Best ways to pay & receive

Transfer speed

How to send money from UAE to India

Pick a company

Start with the cheapest, which is TapTap Send at 650,000 INR on AED 25,000.

TapTap Send was the cheapest on 23 of the 29 days it quoted AED25,000 transfers to India.

Fund your transfer

You have 2 ways to pay, including bank transfer and debit card.

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 India?

How much AED you send to India 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 TapTap Send was the cheapest in 84% of the transfers from AED 25,000 it quoted, and in 77% of all the transfers it quoted.


AED 1,000	-0.42%	AED 0.00	₹26,040.00with debit card to bank deposit	+₹477.38
AED 2,000	-0.42%	AED 0.00	₹52,080.00with debit card to bank deposit	+₹580.87
AED 3,500	-0.39%	AED 5.00	₹91,000.00with debit card to bank deposit	+₹1,278.58
AED 4,000	-0.44%	AED 0.00	₹104,160.00with debit card to bank deposit	+₹637.21
AED 7,500	-0.28%	AED 5.00	₹195,000.00with debit card to bank deposit	+₹1,053.74
AED 10,000	-0.27%	AED 5.00	₹260,000.00with debit card to bank deposit	+₹1,480.50
AED 25,000This page	-0.31%	AED 5.00	₹650,000.00with debit card to bank deposit	+₹5,376.97
AED 37,000	-0.29%	AED 5.00	₹962,000.00with debit card to bank deposit	+₹6,278.49
AED 40,000	-0.28%	AED 5.00	₹1,040,000.00with debit card to bank deposit	+₹6,751.46
AED 50,000	-0.36%	AED 5.00	₹1,300,000.00with debit card to bank deposit	+₹9,840.39
AED 100,000	-0.27%	AED 5.00	₹2,600,000.00with debit card to bank deposit	+₹16,628.02
AED 200,000	-0.31%	AED 5.00	₹5,200,000.00with debit card to bank deposit	+₹44,260.91
AED 250,000	-0.35%	AED 5.00	₹6,500,000.00with debit card to bank deposit	+₹56,261.76
AED 350,000	-0.26%	AED 5.00	₹9,100,000.00with debit card to bank deposit	+₹60,954.54
AED 500,000	-0.27%	AED 5.00	₹13,000,000.00with debit card to bank deposit	+₹93,863.52
AED 1,000,000	-0.29%	AED 5.00	₹26,000,000.00with debit card to bank deposit	+₹189,339.99

Mid-market rate: 1 AED = 25.9184 INR

AED/INR Exchange Rate History

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

The cheapest way to send AED to INR 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 TapTap Send), across 30 days of comparisons for 25,000 AED transfers to India.

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 INR per AED than the mid-market rate can offer.

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

In the past month, a money transfer company beat the mid-market rate on 25 of the last 30 days.

Right now, TapTap Send pays 650,000 INR on 25,000 AED, which is 2,040.28 INR more than the mid-market amount, so it's a good deal (pretty much free money).

Today's payout isn't the best this month though, since the highest receive amount was 662,750 INR.

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.

If you need to send money now, it's a good time to send.

Ways to send money from the UAE to India

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

For frequent transfers home

Money transfer apps

If you send INR home monthly, money transfer apps like TapTap Send are the easiest with good AED/INR rates.

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

On an AED 25,000 transfer it will get you 650,000 INR in minutes (after 5 fee and -0.31% markup).

Over the past month, TapTap Send was the cheapest app on 79% 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 India 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 India is usually cheaper with online money transfer services like Wise.

Wise gets you 642,082.35 INR, with an AED 227.54 fee and 0% markup.

In our comparisons over the past month, it was the cheapest online service on 29 of the 29 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/INR 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 INR side by side.

This is useful if you’re getting paid in INR, or travelling to India.

I’d suggest Currencies Direct for this.

Currencies Direct converts AED 25,000 at 0.9% markup and holds it until you send or spend it, and gives you account details to receive INR.

Over the past month, it came out cheapest among multi-currency accounts on 73% of days.

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

Ways to deposit AED and receive INR in India

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 650,000 INR.

You can pay in AED by bank transfer and debit card.

In India, the recipient can receive INR through bank deposit and upi.

Send INR to a upi account

Enter the recipient's UPI ID carefully. The name shown during verification should match the person you intend to pay.

1

Debit card Bank deposit

You pay AED25,005.00

₹650,000

Cheapest
2

Debit card Upi

You pay AED25,005.00

₹650,000

₹0
3

Bank transfer Bank deposit

You pay AED25,000.00

₹647,960

-₹2,040

Before sending AED to India, 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/INR transfer options

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

The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 650,000 INR, which is 0.31% more than the next best option.
The fastest option is TapTap Send, funded by debit card with bank deposit in India. Your recipient gets 650,000 INR in 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 9 licensed companies sending AED to India, refreshed in real time during live comparisons.

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

In the past 30 days alone, we analysed 410 comparisons across 16 amounts.

This page covers the cheapest and fastest options for AED/INR 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	26.1506	–	₹653,764.55
Aspora Cheapest	26.1506	AED 0.00	₹653,764.55	Same
TapTap Send	26.0900	AED 5.00	₹652,250.00	−₹1,514.55
Regency FX	26.0800	AED 0.00	₹651,999.39	−₹1,765.16

Wed, 30 Sep 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	26.1337	–	₹653,342.45
TapTap Send Cheapest	26.2100	AED 5.00	₹655,250.00	+₹1,907.55
Aspora	26.1337	AED 0.00	₹653,342.45	Same
Regency FX	26.0631	AED 0.00	₹651,578.43	−₹1,764.02

Thu, 1 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	26.1367	–	₹653,416.38
TapTap Send Cheapest	26.2100	AED 5.00	₹655,250.00	+₹1,833.63
Aspora	26.1367	AED 0.00	₹653,416.38	+₹0.01
Regency FX	26.0661	AED 0.00	₹651,652.15	−₹1,764.22

Fri, 2 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	26.1821	–	₹654,552.35
TapTap Send Cheapest	26.3100	AED 5.00	₹657,750.00	+₹3,197.65
Aspora	26.1821	AED 0.00	₹654,552.35	Same
Regency FX	26.1114	AED 0.00	₹652,785.06	−₹1,767.29

Sat, 3 Oct 2026	Exchange rate	Fee	Recipient gets	Difference
Mid-market rate	26.1762	–	₹654,404.88
TapTap Send Cheapest	26.3100	AED 5.00	₹657,750.00	+₹3,345.13
Aspora	26.1762	AED 0.00	₹654,404.88	+₹0.01
Regency FX	26.1055	AED 0.00	₹652,637.98	−₹1,766.90

How to send money to India from UAE with the best AED-INR rate

Best companies for AED/INR transfers