How to Transfer Money from India to UAE: A Complete Step-by-Step Guide
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Omar Haddad
- . December 4, 2025
- . Update: December 4, 2025 1:52 am
The process of how to transfer money from India to UAE is important as long as one has a family to support, a business to pay business bills, educate or commit to personal duties in India. As there are various digital and offline remittance options in the present day, the international remittance has become easier, quick and secure. Nevertheless, the decision of the appropriate method will require an analysis of exchange rates, payment, rapidity, and paperwork necessity. The guide offers information on how to transfer money from India to UAE through online money transfer, bank deposit or bank transfers, money changers, and other methods. It also discusses the required regulations like Form A2, TCS regulations, and other considerations to be made when undertaking a transfer.
Best Online Money Transfer Services
Transferring money between India and UAE is usually the most convenient with online money transfer being the quickest. The most popular are Western Union, Wise, DCB Remit, and other such services that are digital.
To transfer funds online:
You must first log into an app or a site of your favorite service provider. Use the UAE as the countries destination and input the information of your beneficiary such as the bank account number, the full name and the branch information. After the addition of the beneficiary, fill the transfer with either a debit card, credit card or a direct bank transfer.
A tracking number (MTCN) is given by most of the platforms and with its help, you and the receiver can trace the transaction instantly. Such services tend to provide competitive charges and quicker services which made them one of the sure way of how to transfer money in India to UAE.
Sending Money Through Bank Transfers
A traditional bank transfer is another way of how to transfer money from India to UAE as the other common form of transfer undertaken by those who research how to move money between the two countries. You can be able to start this either on the internet banking account of your bank or by going to your local banking house.
Online banking, go to the international fund transfer page and type in the name of the bank the recipient is saving with, SWIFT code, account number and full name. In case you want to discuss the matter in person, then just complete an international remittance required form and provide identity documents and the recipient information.
Bank transfers are not quick and are normally more expensive, yet they are secure. Even, the exchange rates charged by banks may not be as good as those charged on the online platforms. Provided that cost efficiency matters, compare bank rates with each other prior to making a decision how to transfer money between India and UAE by this way.
Other Methods to Transfer Money to UAE
In addition to the bank and online facilities, money changers, Foreign Currency Demand Drafts or even India Post services are also applicable in certain instances. Licensed money changers would enable you to pay in cash or bank transfer in addition to giving the details of the recipient. They can be good rates, yet the turnaround can be different.
Another secure alternative would be the Foreign Currency Demand Drafts (FCDDs). You may buy a demand draft at your bank and send it to your recipient in the UAE where he/she is able to encash it. India Post provides international money orders in lower values although this may be limited and accessible depending on the UAE-specific rulings.
Important Considerations Before Making a Transfer
During the process of determining how to remit funds between India and UAE, the following are the important considerations:
- Form A2 Requirement: All of international transfers must be filled with Form A2 which states the purpose of remittance according to the FEMA regulations.
- Exchange Rates: Compare between the exchange rates between online services and different banks. Even small differences in the rate can play a great role in determining the amount that will be received in the end.
- Fees & Charges: There are those who impose transfer fees and others who mark-up on exchange rates. Always check the total cost.
- TCS (Tax Collected at Source): When transferring large amounts of money TCS regulations might be enforced. Make sure you are clear in the amount of additional amount you need to remit to meet taxes.
Taking these into account, you are certain to make a decision about the most appropriate and cost effective method of transferring money between India and UAE.
