If you’re working in UAE, sending money to India is not optional – it’s routine.
But here’s the problem:
Most people lose money every single month
Not because of fees – but because of bad exchange rates
Let’s fix that.
What Actually Matters (Not What You Think)
People focus on:
Transfer fee
But ignore:
Exchange rate (this is where real money is lost)
Even a small difference can cost you 100–300 AED per transfer.
Best Ways to Send Money (Compared)
Exchange Houses (UAE)
Examples:
- Al Ansari
- Lulu Exchange
- UAE Exchange
Pros:
- Trusted
- Fast transfers
- Cash or bank options
Cons:
- Slightly lower exchange rates
Best for: quick and reliable transfers
Bank Transfers
Pros:
- Secure
- Direct to account
Cons:
- High fees
- Poor exchange rates
Worst option for saving money
Online Transfer Apps
Examples:
- Wise
- Remitly
- Western Union
Pros:
- Better exchange rates
- Lower fees
- Easy to use
Cons:
- Some limits on transfers
Best for: maximum savings
Real Comparison (Example Transfer: 1,000 AED)
| Method | Fees | Exchange Rate | Amount Received |
|---|---|---|---|
| Bank | High | Poor | Lowest |
| Exchange House | Low | Medium | Average |
| Online Apps | Low | Best | Highest |
Winner: Online transfer apps
Hidden Charges You Must Watch
- Currency conversion margin
- Transfer speed fees
- Weekend rate differences
Always check final INR amount – not just fees
Smart Strategy (Most People Don’t Do This)
Compare rates before sending
Takes 2 minutes
Saves 100–200 AED
Pro Tip
- Send larger amounts less frequently
- Avoid weekends (rates fluctuate)
- Use apps with real-time tracking
Biggest Mistake
Sending money through the same method every month without checking alternatives.
This silently drains your income
Final Verdict
Cheapest way to send money from UAE to India:
✔ Online transfer apps (best rates)
✔ Exchange houses (safe option)
❌Banks (avoid if possible)
If you’re planning long-term, don’t miss this UAE relocation and survival guide.
Further Reading:
