How to Transfer Money to India from UAE (Fast, Cheap & Safe – 2025 Guide)
Sending money to India from the UAE is quick and simple, but choosing the right method can help you save a lot on fees and get the best exchange rate. Whether you’re sending for family, business, or personal use, here is the complete guide to the fastest, safest, and cheapest ways to transfer money from UAE to India.
1. Exchange Houses – Most Popular Choice
Exchange houses offer excellent rates and fast transfers, making them the top choice for UAE residents.
Top Exchange Houses:
Al Ansari
Lulu Exchange
UAE Exchange
Al Rostamani Exchange
Al Fardan Exchange
Benefits:
✔ Best INR exchange rates
✔ Cash deposit or card payment
✔ Same-day or instant transfers
✔ Cash pickup options in India
Best For:
People looking for good rates + fast transfers.
2. Bank-to-Bank Transfers – Safe & Reliable
UAE banks allow international transfers directly to Indian bank accounts.
Popular Banks:
Emirates NBD
ADCB
FAB
Mashreq
RAKBANK
Pros:
✔ Highly secure
✔ Direct account transfer
✔ Convenient through mobile apps
Cons:
❌ Higher fees
❌ Exchange rates lower than exchange houses
❌ Transfer may take 1–2 days
Best For:
People who prefer maximum security.
3. Online Money Transfer Apps – Cheapest Option
These apps offer great exchange rates and low fees.
Best UAE→India Apps:
Wise (TransferWise)
Remitly
Xpress Money
Payit by FAB
Instant Money by Emirates NBD
Benefits:
✔ Low fees
✔ Fast transfers
✔ Online verification
✔ No need to visit a branch
Best For:
People looking for the cheapest transfer method.
4. Western Union & Cash Pickup – Instant Transfer
If the receiver needs cash instantly, this is the best option.
Pros:
✔ Instant transfer
✔ Cash pickup anywhere in India
Cons:
❌ Higher fees
❌ Not ideal for large transfers
Best For:
Urgent transfers or those without an Indian bank account.
5. UPI Transfer – New & Very Fast
Some UAE exchange houses now support transfers directly to:
Google Pay
PhonePe
Paytm
Any UPI ID
Benefits:
✔ Extremely fast
✔ Low fees
✔ Money reaches the receiver instantly
Best For:
Everyday transfers and quick small amounts.
Documents Required to Send Money to India
To transfer money from the UAE, you only need:
Emirates ID
Beneficiary name
Indian bank account number
IFSC code
Mobile number (optional)
How to Save Money While Sending to India
✔ Compare rates before sending
✔ Avoid weekends (rates lower)
✔ Use online apps for lower fees
✔ Send larger amounts to reduce charges
✔ Avoid “express fees” unless urgent
