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Home > How to Send Money to Dubai from USA

How to Send Money to Dubai from USA

How to Send Money to Dubai from USA

Qazi Raza by Qazi Raza
March 18, 2025
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Do you want to send money to Dubai from USA? If yes, you are in the right place. Transferring money from the USA to Dubai is straightforward with modern financial services. The most popular methods include digital transfer services like Wise and Western Union, traditional bank transfers, and specialized remittance platforms. Each option has different advantages in terms of cost, speed, and convenience. Fees typically range from 0.3% to 5% of the transfer amount, with delivery times varying from minutes to several business days, depending on the service selected.  

Money Transfer Services for USA to Dubai Transfers

Table of Contents

  • Money Transfer Services for USA to Dubai Transfers
  • Step-by-Step Process for Sending Money Online
  • XE Money Transfers
  • Sending money via Western Union
  • Wise (Formerly TransferWise)
  • Transfer Times and Delivery Options in Dubai
  • Fees and Exchange Rate Structures
  • Security Measures and Cost-Saving Strategies
  • Final Words

There are a number of reliable online services for sending money to Dubai from the USA. Some of the popular ones are XE, Western Union, and Wise. Each service comes with distinctive advantages, helping your specific needs and wants in terms of transparent fee structure, delivery time, and rate exchanges.

Step-by-Step Process for Sending Money Online

Sending money online to Dubai follows a similar process across most platforms, though specific details may vary. First, you need to register for an account with your chosen service provider, which typically requires an email address that you regularly use or a social media account to sign up.

Most services require identity verification, which may involve submitting photos of identification documents like a passport or driver’s license. After verification, you can initiate a transfer by entering the amount you wish to send in USD and selecting AED as the receiving currency.

XE Money Transfers

XE offers a streamlined process for international transfers with competitive rates.

  • Start by creating a free account on their platform or app.
  • Choose the country of destination, in this case, UAE, and enter the transfer amount.
  • Provide the recipient’s bank details, such as their IBAN or SWIFT code.
  • Choose a payment method; options include bank transfers, debit/credit cards, or direct debits.

XE displays the exchange rate and fees upfront, allowing you to review them before confirming. Transfers typically take 1 to 4 business days, depending on the currency and payment method.

Sending money via Western Union

How to Send Money to Dubai from USA

Western Union provides flexibility for recipients to receive funds via bank deposits or cash pickup. If you choose to transfer funds through services provided by Western Union, follow these steps:

  • Register an account online or via their app.
  • Specify the transfer amount and destination (e.g., UAE).
  • Select a payout method: direct bank deposits require the recipient’s account number and routing details, while cash pickup needs their government-issued ID.
  • Pay using cash (in-person), debit/credit cards, or bank transfers.
  • A unique MTCN tracking number is generated to monitor the transfer’s status.

Wise (Formerly TransferWise)

Wise prioritizes transparency with its mid-market exchange rates and low fees. It has an easy and smooth process to follow.

  • Start by signing up and entering the transfer amount in USD.
  • Select AED as the recipient currency.
  • Add the recipient’s bank account details, including their full name and IBAN.
  • Choose how to fund the transfer: bank transfers are the cheapest, while debit/credit cards offer speed at slightly higher fees.

Wise calculates the total cost in real-time, showing the exact amount the recipient receives. Most transfers to Dubai arrive within a few hours to 2 business days.

Transfer Times and Delivery Options in Dubai

Money transfer speeds from the USA to Dubai vary significantly, mainly based on the service provider and payment method chosen. Wise typically delivers transfers by the next business day, though this may depend on verification status and payment method.

Western Union offers varying delivery speeds, with online transfers to bank accounts generally taking 1-3 business days, while cash pickup options may be available within minutes after processing is complete.

XE’s transfer times range from just minutes to up to three business days, depending on your selected payment method, with bank transfers typically taking longer than card payments.

Recipients in Dubai can generally receive funds either directly in their bank account (which is more convenient for more significant amounts) or as cash available for pickup at local agent locations like Al Fardan Exchange, in the case of Western Union.

Also Read: How to Call to Dubai From USA

Fees and Exchange Rate Structures

How to Send Money to Dubai from USA fees structure

Sending money to Dubai consists of two primary components: the explicit transfer fee and the implicit exchange rate markup. Many traditional banks advertise “no fee” transfers but compensate by offering less favorable exchange rates, which can significantly reduce the amount received. For a $1,000 transfer to Dubai using Wise, you would pay approximately $8.12 in fees, with your recipient getting about 3,642.93 AED.

When comparing services, it’s essential to calculate the total cost by considering both the upfront fee and the exchange rate offered. For larger transfers, the exchange rate becomes increasingly important, as even small percentage differences can result in significant variations in the amount received. Most services offer fee discounts for larger transfers, with Wise advertising rates as low as 0.1% for substantial amounts.

Security Measures and Cost-Saving Strategies

When sending money internationally, security and cost efficiency should be primary considerations. Before selecting a service, verify its regulatory compliance and licensing information to ensure legitimacy.

To maximize savings, compare the total cost (including exchange rate differences) across multiple providers before each transfer, as rates fluctuate daily. Bank transfers generally offer the lowest fees for funding your transfer, though they take longer to process than card payments.

Always double-check recipient details before confirming, as errors can lead to delays or complications. For first-time transfers, consider sending a smaller test amount before proceeding with larger sums. Never share tracking numbers with anyone other than your intended recipient, as these can sometimes be used to collect funds. By comparing services for your specific transfer amount and needs, you can significantly reduce costs while maintaining security and reliability.

Final Words

Sending money from the USA to Dubai has become increasingly accessible through various digital and traditional services. By carefully comparing fees, exchange rates, transfer speeds, and security features of services like Wise, Western Union, and XE, you can select the option that best meets your specific needs and save considerable money in the process. Remember to verify all recipient details before confirming any international money transfer to ensure smooth and timely delivery.

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Qazi Raza

Qazi Raza

Qazi Raza is the SEO content manager at UAE Flag, sharing helpful insights about life, culture, and opportunities in the UAE. Passionate about delivering clear and useful information to help readers navigate and enjoy everything the UAE offers.

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