Why is the AED→USD rate always exactly the same?

The UAE Dirham has been pegged to the US Dollar at 3.6725 since 1997. This means the wholesale rate doesn't move — but providers still add their own margin, so the rate you receive is slightly worse than the peg.

What's the cheapest way to send AED to India?

Apps like Wise, Lulu Money, and Instarem currently lead the AED→INR corridor with effective costs under 1.5%. Traditional exchange houses are competitive but charge a higher headline fee on small amounts.

Can I send AED home without an Emirates ID?

No — all CBUAE-licensed providers require Emirates ID for KYC. Tourists and visitors can only convert AED to a foreign currency in cash at exchange houses, not initiate cross-border transfers.

Is there a yearly limit on remittances from the UAE?

There's no formal cap, but transfers above AED 55,000 require source-of-funds documentation. Annual cumulative transfers above AED 1 million per individual may trigger enhanced due diligence under UAE AML rules.

How fast does AED→PHP usually settle?

Cash pickup providers (MoneyGram, Western Union, Al Ansari) deliver in under 30 minutes. Bank-to-bank via UAE Exchange or Lulu Money typically takes 4–24 hours depending on the recipient bank.

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UAE Dirham (AED) Live Exchange Rate & Remittance Guide

AED · د.إ · Central Bank of UAE (CBUAE)

1 USD =

د.إ3.6726

Live (cached)

About the UAE Dirham

The UAE Dirham was introduced in 1973, replacing the Qatar and Dubai Riyal and the Abu Dhabi Bahraini Dinar. Since November 1997, the AED has been pegged to the US Dollar at 3.6725, making it one of the most stable emerging-market currencies. The peg is maintained through the CBUAE's substantial dollar reserves backed by oil revenue.

Why AED matters for remittance

The UAE is the world's third-largest remittance-sending country after the US and Saudi Arabia, with outbound flows of over $43 billion annually. With over 3 million Indian, 1.5 million Pakistani, and 700,000 Bangladeshi workers, the AED→INR, AED→PKR and AED→BDT corridors are among the highest-volume globally.

AED cross-rates

Live

What 1 UAE Dirham (AED) is worth in major currencies right now, at the wholesale mid-market rate.

Currency	1 د.إ AED =	Inverse (1 unit in AED)
USD USA	$0.272287 USD	د.إ3.6726 AED
EUR Europe	€0.236812 EUR	د.إ4.2228 AED
GBP UK	£0.204896 GBP	د.إ4.8805 AED
INR India	₹25.831 INR	د.إ0.038713 AED

USD rate is live from Wise's comparison API; other reference rates are derived from the latest USD-anchored mid-market table. Retail providers add a margin on top — see the comparison table on each corridor page for the rate you'll actually receive.

Compare AED corridors

See live rates and the best providers for each pair.

AED→INR AED→PKR AED→PHP AED→BDT AED→LKR

UAE remittance guide

Country profile for sending money OUT of UAE — regulators, top corridors, FAQs.

🇦🇪 Send from UAE

AED remittance regulations

Money exchange and remittance houses in the UAE are licensed by the CBUAE and must comply with strict KYC rules — emirates ID and a valid visa are required for any transfer above AED 3,500. Cash transfers above AED 55,000 (~$15,000) trigger source-of-funds verification.

How to send UAE Dirham (AED)

Visit a CBUAE-licensed exchange house (Al Ansari, LuLu, UAE Exchange) or use a licensed app like Wise or Instarem.
Bring your Emirates ID and the recipient's full bank details — IFSC for India, IBAN/swift for Pakistan, branch code for the Philippines.
Expect AED 15–25 fee plus an FX margin; total cost should be under 2% of the transfer for major corridors.
Most AED→INR transfers via UPI-enabled providers settle in under an hour; cash pickups are instant.

Currency facts

ISO 4217: 784
Sub-unit: 100 fils = 1 dirham
Central bank: Central Bank of UAE (CBUAE)
Daily FX volume: $12 billion/day
Symbol: د.إ
52-week range (vs USD): 3.668 – 3.673

Frequently asked questions

Live rates fetched from Wise's public comparison API. For currency conversion mid-rates we display Wise's quoted rate, which has zero markup. Methodology.