How to send money to Jordan from UAE with the best AED-JOD rate

TapTap Send is the cheapest way to send money from the United Arab Emirates to Jordan. Sending 25,000 AED will get you 4,825 JOD at 0.1930 JOD per AED.

We’ve compared 4 services and apps below in more detail.

Best companies for AED/JOD transfers

4 of 4 providers

Last updated on 28 October 2026

Based on 25,000 AED transfer

Best companies for AED/JOD transfers

Sort Cheapest
Promoted

Xe

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.1893 JOD +1.96% vs mid-market Recipient gets JOD 4,732.50 Minutes - 24 hours
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Jordan with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.1893 JOD
JOD 4,732.50You payAED 25,000.00
Promoted

Regency FX

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.1925 JOD +0.27% vs mid-market Recipient gets JOD 4,813.29 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Jordan with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.1925 JOD
JOD 4,813.29You payAED 25,000.00

Run a live search

Showing top United Arab Emirates to Jordan deals for 25,000 AED. Do a live search with your exact amount for today's best rates.

TapTap Send

Pay via Debit card
Fee AED 0.00 1 AED = 0.1930 JOD +0.03% vs mid-market Recipient gets JOD 4,825.00 Minutes
CheapestFastest
Receive to bank account

Ways to receive money in Jordan with TapTap Send when paying by debit card.

MethodFee & ratesRecipient gets
Bank depositMinutes
Free1 AED = 0.1930 JOD
JOD 4,825.00You payAED 25,000.00
Cash pickupMinutes
Free1 AED = 0.1930 JOD
JOD 4,825.00You payAED 25,000.00
Mobile moneyMinutesAvailable via:Alawneh Exchange Cash Pickup, Zamzam Exchange Cash Pickup
Free1 AED = 0.1930 JOD
JOD 4,825.00You payAED 25,000.00
Mobile walletMinutesAvailable via:E-Wallet
Free1 AED = 0.1930 JOD
JOD 4,825.00You payAED 25,000.00
Exclusive: First Transfer Deal

Regency FX

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.1925 JOD +0.27% vs mid-market Recipient gets JOD 4,813.29 Minutes - 24 hours
Personal account managerReceive to bank accountProfessional, personal service

Ways to receive money in Jordan with Regency FX when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.1925 JOD
JOD 4,813.29You payAED 25,000.00

Moneycorp

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.1904 JOD +1.40% vs mid-market Recipient gets JOD 4,758.76 Minutes - 2 days

Ways to receive money in Jordan with Moneycorp when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 2 days
Free1 AED = 0.1904 JOD
JOD 4,758.76You payAED 25,000.00

Xe

Pay via Bank transfer
Fee AED 0.00 1 AED = 0.1893 JOD +1.96% vs mid-market Recipient gets JOD 4,732.50 Minutes - 24 hours
Recommended
Personal account managerReceive to bank accountDedicated support for larger transactions

Ways to receive money in Jordan with Xe when paying by bank transfer.

MethodFee & ratesRecipient gets
Bank depositMinutes - 24 hours
Free1 AED = 0.1893 JOD
JOD 4,732.50You payAED 25,000.00
How Our Results Work
Mid-market rate: 1 AED = 0.1931 JOD Updates every 60 minutes.

How to send money from UAE to Jordan

Pick a company

Start with the cheapest, which is TapTap Send at 4,825 JOD on AED 25,000.

TapTap Send was the cheapest on 30 of the 30 days it quoted AED25,000 transfers to Jordan.

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 Jordan?

How much AED you send to Jordan 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 100% of the transfers from AED 25,000 it quoted, and in 100% of all the transfers it quoted.

Cheapest service
AED 3,500AED 0.00JOD 675.50with debit card to bank deposit+JOD 101.32
AED 7,500AED 0.00JOD 1,447.50with debit card to bank deposit+JOD 250.38
AED 25,000This page0.03%AED 0.00JOD 4,825.00with debit card to bank deposit+JOD 42.61
AED 50,0000.27%AED 0.00JOD 9,626.79with bank transfer to bank deposit+JOD 49.72
AED 200,0000.03%AED 0.00JOD 38,600.00with debit card to bank deposit+JOD 227.29
AED 250,0000.03%AED 0.00JOD 48,250.00with debit card to bank deposit+JOD 283.50
AED 350,0000.03%AED 0.00JOD 67,550.00with debit card to bank deposit+JOD 397.41
AED 1,000,0000.03%AED 0.00JOD 193,000.00with debit card to bank deposit+JOD 1,110.85

Mid-market rate: 1 AED = 0.1931 JOD

AED/JOD Exchange Rate History

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

The cheapest way to send AED to JOD 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 Jordan.

JOD received for AED 25,000, after fees

Wed, 28 Oct 2026Mid-market rateJOD 4,826.33 TapTap Send JOD 4,825.00TapTap SendJOD 4,825.00Regency FXJOD 4,813.29MoneycorpJOD 4,758.76

4,740
4,760
4,780
4,800
4,820
4,840
At the mid-market rateWith the cheapest optionTapTap SendRegency FXMoneycorp
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1930 – JOD 4,826.25
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.25
Regency FX 0.1925 AED 0.00 JOD 4,813.22 −JOD 13.03
Moneycorp 0.1903 AED 0.00 JOD 4,758.68 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.72
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.72
Regency FX 0.1925 AED 0.00 JOD 4,813.69 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.15 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.40
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.40
Regency FX 0.1925 AED 0.00 JOD 4,813.37 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,758.83 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.58
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.58
Regency FX 0.1925 AED 0.00 JOD 4,813.54 −JOD 13.04
Moneycorp 0.1904 AED 0.00 JOD 4,759.00 −JOD 67.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1930 – JOD 4,825.97
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 0.97
Regency FX 0.1925 AED 0.00 JOD 4,812.94 −JOD 13.03
Moneycorp 0.1903 AED 0.00 JOD 4,758.41 −JOD 67.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.33
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.32
Regency FX 0.1925 AED 0.00 JOD 4,813.29 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,758.76 −JOD 67.56
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.30
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.30
Regency FX 0.1925 AED 0.00 JOD 4,813.27 −JOD 13.03
Moneycorp 0.1903 AED 0.00 JOD 4,758.73 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1930 – JOD 4,826.15
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.15
Regency FX 0.1925 AED 0.00 JOD 4,813.12 −JOD 13.03
Moneycorp 0.1903 AED 0.00 JOD 4,758.58 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.83
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.82
Regency FX 0.1926 AED 0.00 JOD 4,813.79 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.25 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.55
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.55
Regency FX 0.1925 AED 0.00 JOD 4,813.52 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,758.98 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1930 – JOD 4,826.25
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.25
Regency FX 0.1925 AED 0.00 JOD 4,813.22 −JOD 13.03
Moneycorp 0.1903 AED 0.00 JOD 4,758.68 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.45
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.45
Regency FX 0.1925 AED 0.00 JOD 4,813.42 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,758.88 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.63
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.63
Regency FX 0.1925 AED 0.00 JOD 4,813.59 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.05 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 –
Regency FX No quote collected this day – – – –
Moneycorp No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 –
Regency FX No quote collected this day – – – –
Moneycorp No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate – – –
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 –
Regency FX No quote collected this day – – – –
Moneycorp No quote collected this day – – – –
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.53
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.53
Regency FX 0.1925 AED 0.00 JOD 4,813.49 −JOD 13.04
Moneycorp 0.1904 AED 0.00 JOD 4,758.95 −JOD 67.58
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.70
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.70
Regency FX 0.1925 AED 0.00 JOD 4,813.67 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.13 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.60
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.60
Regency FX 0.1925 AED 0.00 JOD 4,813.57 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.03 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1930 – JOD 4,826.25
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.25
Regency FX 0.1925 AED 0.00 JOD 4,813.22 −JOD 13.03
Moneycorp 0.1903 AED 0.00 JOD 4,758.68 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.67
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.67
Regency FX 0.1925 AED 0.00 JOD 4,813.64 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,759.10 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.45
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.45
Regency FX 0.1925 AED 0.00 JOD 4,813.42 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,758.88 −JOD 67.57
Exchange rateFeeRecipient getsDifference
Mid-market rate 0.1931 – JOD 4,826.33
TapTap Send Cheapest 0.1930 AED 0.00 JOD 4,825.00 −JOD 1.32
Regency FX 0.1925 AED 0.00 JOD 4,813.29 −JOD 13.03
Moneycorp 0.1904 AED 0.00 JOD 4,758.76 −JOD 67.56

Exchange rateFeeRecipient getsDifference

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 JOD 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 JOD on every transfer from UAE.

Right now, TapTap Send pays 4,825 JOD on 25,000 AED, which is 1.32 JOD 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 Jordan.

We've tracked 225 comparisons to check how often today's top companies were the cheapest across 8 amounts over the past month.

  1. TapTap SendAppeared in 212 comparisons

    Cheapest in 100% of them

  2. Regency FXAppeared in 150 comparisons

    Cheapest in 4% of them

  3. MoneycorpAppeared in 210 comparisons

    Cheapest in 3% of them

Based on 225 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 TapTap Send is the cheapest and gets you the most JOD, and it was also the cheapest in 100% of the 212 comparisons it appeared in over the past month.

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

Regency FX (today's second cheapest) was the cheapest in only 4% of its comparisons, so it's rarely the cheapest option for transfers to Jordan.

Ways to send money from the UAE to Jordan

4 companies send money from the UAE to Jordan, split between app, broker, online, and global account, and more.

For frequent transfers home

Money transfer apps

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

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

On an AED 25,000 transfer it will get you 4,825 JOD in minutes (after 0 fee and 0.03% markup).

Over the past month, TapTap Send 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 Jordan 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 Jordan is usually cheaper with online money transfer services like Moneycorp.

Moneycorp gets you 4,758.76 JOD, with an AED 0 fee and 1.4% markup.

In our comparisons over the past month, it was the cheapest online service on 27 of the 27 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/JOD 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.

Ways to deposit AED and receive JOD in Jordan

With TapTap Send, paying by debit card and receiving through bank deposit is the cheapest combination. Sending AED 25,000 gives your recipient 4,825 JOD.

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

In Jordan, the recipient can receive JOD through bank deposit, cash pickup, mobile money, and mobile wallet.

The recipient can collect JOD from a participating location in Jordan with valid photo ID and the transfer reference.

  1. 1
    Debit card Bank deposit

    You pay AED25,000.00

    JD4,825

    Cheapest

  2. 2
    Debit card Cash pickup

    You pay AED25,000.00

    JD4,825

    JD0

  3. 3
    Debit card Mobile money

    You pay AED25,000.00

    JD4,825

    JD0

  4. 4
    Debit card Mobile wallet

    You pay AED25,000.00

    JD4,825

    JD0

  5. 5
    Bank transfer Bank deposit

    You pay AED25,000.00

    JD4,813

    -JD12

Before sending AED to Jordan, 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/JOD transfer options

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

  1. The cheapest option is TapTap Send, funded by debit card with bank deposit for the payout. Your recipient gets 4,825 JOD, which is 0.24% more than the next best option.

  2. The fastest option is TapTap Send, funded by debit card with bank deposit in Jordan. Your recipient gets 4,825 JOD 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 4 licensed companies sending AED to Jordan, refreshed in real time during live comparisons.

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

In the past 30 days alone, we analysed 225 comparisons across 8 amounts.

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