Send money from the USA to the UAE
Transfer US Dollars to UAE Dirhams without the bank markup. X Rate Capital prices USD→AED off the live interbank market, settles same-day on working days (Monday to Friday) over the UAE Funds Transfer System, and puts a named specialist on every transfer.
Sending the other way? Send money from the UAE to the USA.
More routes: USA transfers · UAE transfers
What people use us for in the UAE
Buying property in UAE
Deposits, staged payments and completion on a Emirati purchase — rate locked when you commit, funds landing over the UAE Funds Transfer System on the day they're due.
Relocating to UAE
Move savings, salary and pension income from the USA without losing 3–4% to your bank each time. US outbound transfers are straightforward, but banks apply wire fees per transfer on top of the exchange-rate margin.
Family & living costs
Regular or one-off support for family in UAE, settling same-day on working days (Monday to Friday), with scheduled transfers and a full audit trail.
Paying Emirati suppliers
Pay suppliers, contractors or staff in UAE Dirhams with batch payments, forward cover on your margin, and transparent USD/AED pricing.
Where the savings actually come from.
A high-street bank pricing USD/AED builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over the UAE Funds Transfer System, so what you compare is the rate itself.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most USA-to-UAE transfers we handle are Dubai and Abu Dhabi property, relocation packages, school fees and remittances home — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
Set-up takes minutes. Once you are approved, USD/AED transfers settle same-day on working days (Monday to Friday), with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your USA funding and your UAE beneficiary before the first trade.
Fund over Fedwire or ACH
Send US Dollars to your account using Fedwire or ACH. US outbound transfers are straightforward, but banks apply wire fees per transfer on top of the exchange-rate margin.
Settle into UAE
We book USD/AED at the live rate and pay out over the UAE Funds Transfer System — same-day on working days (Monday to Friday). The dirham is pegged to the US dollar at roughly 3.
Frequently asked questions
How long does a transfer from the USA to the UAE take?+
Funds reach the beneficiary over the UAE Funds Transfer System, typically same-day on working days (Monday to Friday) once your money has cleared with us and the beneficiary is verified. The dirham is pegged to the US dollar at roughly 3.6725 AED, so AED pricing moves with the dollar rather than independently — worth knowing when you're timing a transfer. Note the UAE banking week runs Monday to Friday. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of the USA?+
US outbound transfers are straightforward, but banks apply wire fees per transfer on top of the exchange-rate margin. On the receiving side: The dirham is pegged to the US dollar at roughly 3.6725 AED, so AED pricing moves with the dollar rather than independently — worth knowing when you're timing a transfer. Note the UAE banking week runs Monday to Friday.
How do I get the best USD/AED exchange rate?+
High-street banks typically build 2–4% into the USD/AED rate they quote, and the cost is inside the rate rather than shown as a fee. X Rate Capital prices off live interbank with a small margin disclosed before you confirm. Use the calculator above for an indicative rate, then speak to the desk for a live quote.
Can I fix today's USD/AED rate for a future payment?+
Yes. A forward contract locks the current USD/AED rate for a payment up to 24 months ahead — useful when Dubai and Abu Dhabi property means committing to a figure now and paying later. Ask your specialist about forwards when you request a quote.
Are there fees to send USD to AED?+
No account or monthly fees. We earn a small, transparent margin on the exchange rate, disclosed before you confirm the trade — so the amount on your confirmation is the amount that arrives. Compare that with a bank quote, where the margin sits inside the rate and a wire fee sits on top.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.