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GulfSend

Money transfer guides

Everything worth knowing about sending money from the UAE and Saudi Arabia — organised by topic.

Start here
International Money Transfers from the UAE: The Complete Guide
How to send money internationally from the UAE: banks vs exchange houses vs apps, what it really costs, how long it takes, and how to find the cheapest route for your destination.

Sending to a country

How to Transfer Money from Pakistan to the UAE
How to transfer money from Pakistan to the UAE, and send money home from the UAE: methods, costs, timeframes and a real worked example.
How to Send Money from the UAE to Saudi Arabia
Sending money from the UAE to Saudi Arabia (AED to SAR)? Exchange houses, apps and banks compared — timing, fees, and a worked example.
How to Transfer Money Between India and the UAE
Send money from the UAE to India online, including genuinely free options — plus the India-to-UAE direction: methods, real costs, and what lands.
How to Transfer Money Between the Philippines and UAE
How to transfer money from the Philippines to the UAE, and send money home from the UAE: GCash, banks, exchange houses, costs and timing.
How to Send Money from the UAE to Nepal
How to send money from the UAE to Nepal: exchange houses, digital apps, wallets like eSewa and IME Pay, costs and typical timing.
How to Send Money to Sri Lanka from the UAE
How to send money to Sri Lanka from the UAE: exchange houses, digital apps, bank transfer via Lanka Remit, costs and typical timing.
How to Send Money to Bangladesh from the UAE
How to send money to Bangladesh from the UAE: exchange houses, digital apps, bank transfer, and sending straight to a bKash wallet — costs and typical timing.
How to Send Money to Indonesia from the UAE
How to send money to Indonesia from the UAE: exchange houses, digital apps, bank transfer via BI-FAST, e-wallets like OVO and GoPay, costs and typical timing.
How to Send Money from UAE to India
Compare Wise, Remitly, Al Ansari & LuLu for UAE-to-India transfers. Live rates, no hardcoded, real cost breakdown for AED→INR.
How to Send Money from UAE to Philippines
Compare Wise, Remitly, Al Ansari for UAE-to-Philippines transfers. GCash wallet payouts, costs, and best providers for AED→PHP.
How to Send Money from UAE to Nepal
Wise, Remitly, Al Ansari for UAE-to-Nepal transfers. Khalti wallet payouts, Nepali banking, and best rates for AED→NPR.
How to Send Money from UAE to Sri Lanka
Send money from UAE to Sri Lanka via Wise, Remitly, Al Ansari. Rates, Lanka Remit system, and best providers for AED→LKR.

UAE bank transfers

ADCB International Transfer: Fees, Timing & Cheaper Alternatives
How to send an international transfer from ADCB — the app and branch steps, the details you need, cut-off times and weekends, and when an exchange house or app costs you less.
Emirates NBD DirectRemit: How It Works, Fees & Timing
Emirates NBD DirectRemit explained — the countries it covers, how fast it is, what it really costs, and how it compares with exchange houses and apps for sending money home.
FAB International Transfer: Charges, Timing & Cheaper Options
FAB international transfers explained — the charges to expect, how to send from the FAB Mobile app, cut-off times and the UAE weekend, and when an exchange house or app is cheaper.
Dubai Islamic Bank International Transfer: Charges & Timing
Dubai Islamic Bank international transfers — the charges, how to send from the DIB app, cut-off times and the UAE weekend, and when an exchange house or app costs less.
RAKBank International Transfer & RAKMoneyTransfer Explained
How RAKBank international transfers and RAKMoneyTransfer work — the corridors, fees, timing and the UAE weekend, and when an exchange house or app is cheaper.
Liv International Transfer: Sending Money Abroad from the Digital Bank
How to send money abroad from Liv, Emirates NBD’s digital bank — its link to DirectRemit, fees and speed, and when an exchange house or app costs less.
Mashreq Quick Remit: How It Works, Fees & Countries
How Mashreq Quick Remit works — the 30+ countries it reaches, the home-currency rule, fees and timing, and how it compares with exchange houses and apps.
Emirates Islamic QuickRemit: Free Transfers, Countries & How It Works
Emirates Islamic QuickRemit explained — the partner countries it sends free and fast, how the Sharia-compliant transfer process works, and when an exchange house or app still wins.
CBD International Transfer: Real-Time Corridors, Fees & How It Works
Commercial Bank of Dubai international transfers — the real-time corridors via CBD's Thunes and Xpress Money partnerships, how to send, fees, and honest alternatives.
ADIB International Transfer: Instant Pakistan Corridor, Fees & How It Works
Abu Dhabi Islamic Bank international transfers — the instant PKR-to-Pakistan service, how to send, fees, the SWIFT code, and when an exchange house or app is cheaper.
NBF International Transfer: How to Send, SWIFT Code & Alternatives
National Bank of Fujairah international transfers — how the standard SWIFT process works for personal and business customers, fees, and when an exchange house or app costs less.
Wio Bank Global Transfers: Fees, Countries & How It Works
Wio Bank's Global Transfers explained — sending abroad from a fully digital UAE bank, the countries and currencies it covers, fees, and when an exchange house or app still wins.

From Saudi Arabia

STC Pay International Transfer: Countries, Fees & How It Works
How to send an international transfer from STC Pay in Saudi Arabia — supported countries and wallets (JazzCash, Easypaisa, bKash, GCash), Nafath activation, fees and limits, and when it beats a bank.
How to Send Money from Saudi Arabia to Pakistan
How to send money from Saudi Arabia to Pakistan — STC Pay, Tahweel Al Rajhi, Enjaz and banks, delivery to JazzCash/Easypaisa and Raast, fees and timing, and how to pick the cheapest.
How to Send Money from Saudi Arabia to India
How to send money from Saudi Arabia to India — STC Pay, Tahweel Al Rajhi, Enjaz and banks, delivery to UPI and IMPS, fees and timing, and how to pick the cheapest.
How to Send Money from Saudi Arabia to Egypt
How to send money from Saudi Arabia to Egypt — STC Pay, Tahweel Al Rajhi, Enjaz and banks, delivery to a bank account or InstaPay, fees and timing, and how to pick the cheapest.
How to Send Money from Saudi Arabia to the Philippines
How to send money from Saudi Arabia to the Philippines — STC Pay, Tahweel Al Rajhi, Enjaz, delivery to GCash, a bank account or cash, fees and timing, and how to pick the cheapest.
How to Send Money from Saudi Arabia to Bangladesh
How to send money from Saudi Arabia to Bangladesh — STC Pay, Tahweel Al Rajhi, Enjaz, delivery to bKash or a bank account, fees and timing, and how to pick the cheapest.
Tahweel Al Rajhi International Transfer: Channels, Countries & Fees
How Tahweel Al Rajhi international transfers work — the channels (branches, ATMs, urpay, the app), countries, fees and limits, and when it wins and when it doesn't.
Enjaz (Bank Albilad) International Transfer: Channels, Countries & Fees
How Enjaz international transfers (Bank Albilad's service) work — the channels (Enjaz branches, the app, ATMs), countries (around 200), fees, and when it wins and when it doesn't.

Guides & explainers

How to Transfer Money Between Banks in the UAE
Moving money between UAE banks? How same-bank, local interbank (UAEFTS) and instant Aani transfers work — timing, fees, and mistakes to avoid.
How Long Does an International Money Transfer Take?
How long does an international money transfer take? Typical times by method and destination, what causes delays, and how to make yours arrive faster.
What Is an IBAN?
What an IBAN is, how to read one, and how to find your IBAN at Emirates NBD, ADCB, ADIB, FAB, Mashreq and DIB.
SWIFT Codes and SWIFT Transfers Explained
What a SWIFT code is, how it differs from an IBAN, where to find it for major UAE banks — plus how a SWIFT transfer works, how long it takes and what it costs.
Transferring Large Sums Internationally from the UAE
Sending a large international transfer from the UAE: limits, the documentation banks and exchange houses ask for, why compliance holds happen, timing, and bank vs exchange house for big amounts.
How to Receive International Payments in the UAE
Getting paid from abroad into the UAE: bank transfer (IBAN + SWIFT), Wise, PayPal and Payoneer, the fees that shrink what arrives, and how to invoice overseas clients.
Can You Send Money via WhatsApp?
Whether you can send money through WhatsApp from the UAE, where WhatsApp Pay actually works, how people really "send money over WhatsApp," and the safer ways to do it.
Al Ansari vs LuLu Exchange: How They Actually Differ
Compare Al Ansari and LuLu Exchange: branch coverage, supported corridors, payout methods, KYC requirements, and cut-off times.
Bank vs Exchange House vs Money Transfer App in the UAE
Compare banks, exchange houses, and money transfer apps in the UAE: speed, fees, cut-off times, KYC requirements, and which to use.
How Long Does a UAE → India Transfer Actually Take?
Real timelines for UAE-India transfers: IMPS (minutes), NEFT (overnight), RTGS (2-4 days). Learn why cut-off times matter.
How to Send Money from UAE to GCash
Send AED to GCash in Philippines: choose Wise (fastest), LuLu (cheapest), or Al Ansari. Step-by-step process, wallet limits, and common errors.
How to Send a Large Amount of Money from UAE
Send AED 50k+: KYC tiers, documentation required, AML checks, and why splitting transfers is illegal.
Wise vs Remitly: Which Is Cheaper for UAE Transfers?
Compare Wise's flat fee against Remitly's Express/Economy speeds. See which is actually cheaper on India, Pakistan & Philippines transfers.
Al Ansari vs Wise: When to Use Each
Choose between Al Ansari's cash pickup and flat fees or Wise's mid-market rate and app simplicity. Real cost comparison for UAE transfers.
Western Union vs Wise: Cost & Speed
Western Union's cash pickup vs Wise's transparency: compare fees, rates, and speed for international transfers from the UAE.
LuLu Exchange vs Al Ansari: When to Use Each
LuLu's zero-fee corridors vs Al Ansari's branch network. Compare costs for India, Pakistan & Philippines transfers from the UAE.
Remitly vs Al Ansari: India & Philippines
Compare Remitly's Express/Economy speeds and wallet payouts to Al Ansari's branch network for India and Philippines transfers.
Bank vs Exchange House vs Money Transfer App: Which Should You Use?
Compare UAE banks, exchange houses (Al Ansari, LuLu), and apps (Wise, Remitly) for international transfers. Speed, cost, and KYC explained.
Why the Cheapest Transfer Fee Isn't Always the Cheapest Transfer
Understand exchange rate margins vs explicit fees. Why a "zero fee" transfer can cost more. The real math of money transfer pricing.
How to Choose a Safe Money Transfer Service in the UAE
Check licensing, verify regulations, and avoid fraud. Guide to choosing legitimate money transfer providers from the UAE.
True Transfer Cost Calculator Explainer
Understand how GulfSend's comparison tool calculates the true cost of transfers, why it matters, and how to read it.
Understanding Exchange Rates: Mid-Market vs Your Rate
Why exchange rates differ between providers. Mid-market vs bid/ask spread, and how to spot a fair rate.
International Money Transfer Fees Explained
Flat fees vs percentages, SWIFT fees, inbound costs. How fees work and why the cheapest fee doesn't mean cheapest transfer.

Data & Reports