Send money internationally from the UAE

Grey gives UAE residents a USD account that doubles as a global transfer tool. Receive your salary or freelance income in USD, hold it in Grey, and send to family in India, Pakistan, the Philippines, Nigeria, or anywhere else Grey supports, all from the same app.

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Send money from the UAE, from the balance you already have

Most people in the UAE are not Emirati. They are engineers, nurses, teachers, drivers, and builders from South Asia, Southeast Asia, and Africa, earning in USD or AED, sending a portion home every month. Grey is built for exactly this: a USD account you can receive into and send from, without opening a local bank account or navigating SWIFT fees.

Your Grey USD account works like a US bank account for receiving purposes. Your employer can wire your salary there. Clients can pay you there. Once funds are in your Grey balance, you can send to India, Pakistan, the Philippines, Nigeria, the UK, or dozens of other destinations in their local currency.

The exchange rate and the fee are shown separately before you confirm. The amount your recipient receives is not an estimate, it is the number locked in at confirmation. No adjustment after the fact, no rate slippage on processing day. What you see is what lands.

Sign up

Open a Grey account on your phone in under five minutes. Verify your identity with a valid passport or Emirates ID. Grey Inc is registered with FinCEN at 651 N Broad St, Suite 206, Middletown, DE 19709, United States.

Fund

Your Grey USD account comes with routing and account numbers, just like a US bank account. Share them with your employer for payroll, or with clients for invoice payments. You can also fund by wiring USD from another account.

Send

Pick your destination, review the live exchange rate and the full fee breakdown, enter your recipient's bank details or mobile wallet number, and send. Most transfers arrive within minutes from a funded balance.

Which currencies does Grey support from the UAE?

Grey supports USD-funded transfers from the UAE to INR (India), PKR (Pakistan), PHP (the Philippines), NGN (Nigeria), KES (Kenya via M-Pesa), GBP (the UK), USD (the US), and EUR (30 European countries via SEPA). All transfers show the current exchange rate and total cost before confirmation.

India (INR)

Send USD to INR directly to any Indian bank account, SBI, HDFC Bank, ICICI Bank, Axis Bank, or via UPI to Google Pay or PhonePe. The USD-to-INR rate and fee are shown before confirmation. Transfers typically arrive within minutes. This is the highest-volume corridor for UAE senders.

Pakistan (PKR)

Send USD to PKR directly to HBL, UBL, MCB, Allied Bank, or any major Pakistani bank. The transfer fee and rate are displayed before you confirm. Most USD-to-PKR transfers from a funded balance arrive within minutes.

The Philippines, Nigeria, and Kenya

Send USD to PHP to BDO, BPI, Metrobank, UnionBank, or GCash. Send USD to NGN to GTBank, Access Bank, Zenith Bank, or UBA. Send USD to KES via M-Pesa. All corridors show the rate and fee before you send.

What does it cost to send money from the UAE?

Every international transfer from the UAE has two cost components: the transfer fee you can see and the exchange rate margin you often cannot. Grey separates both and shows them before you tap Send. The rate you see at confirmation is the rate applied to your transfer.

Traditional UAE bank wire transfers typically carry a flat SWIFT fee between AED 25 and AED 60, plus an exchange rate margin of 2 to 4 percent applied silently on top. On large transfers that combination costs significantly more than it appears. Exchange houses apply similar margins and may add additional service charges. Grey shows the total cost as a single number: what you send, what it costs, and what your recipient gets.

The exchange rate matters more than the visible fee on most corridors. On a USD 1,000 transfer to India, a 1 percent difference in the USD-to-INR rate changes the rupee amount your recipient receives by approximately 850 INR. Grey shows the rate before you confirm, not after.

Where can you send money with Grey

Grey supports transfers to more than 80 countries. Here are the most-used corridors among Grey customers in the UAE.

See the full India corridor page

Send money from the UAE to India

The UAE-to-India corridor is the most active remittance route from the Gulf. Grey delivers USD directly to SBI, HDFC Bank, ICICI Bank, Axis Bank, and via UPI to Google Pay and PhonePe. The USD-to-INR rate is shown before confirmation. Transfers typically arrive within minutes.

See the full India corridor page

See the full Pakistan corridor page

Send money from the UAE to Pakistan

Pakistan is the second-largest remittance destination from the UAE. Grey delivers USD to HBL, UBL, MCB, Allied Bank, and all major Pakistani banks. The rate and fee are shown before you confirm. Transfers typically arrive within minutes.

See the full Pakistan corridor page

Other destinations

The best way to send money internationally from the UAE

If total cost matters most

UAE bank wire transfers cost AED 25 to AED 60 flat fee plus a 2 to 4 percent exchange rate margin. Exchange houses charge lower flat fees but apply similar margins. Grey charges a transparent conversion fee with a rate close to the mid-market rate, both shown upfront. On large recurring transfers, that difference compounds.

If speed matters most

Transfers to India, Pakistan, the Philippines, and Nigeria via Grey typically arrive within minutes from a funded balance. UAE bank wires take 1 to 3 business days. Exchange house transfers vary but rarely match app-based speed for bank-to-bank delivery.

If you need more than transfers

Grey is the only provider in this comparison that also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free instant transfers to other Grey users.

Regulated by FinCEN

Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network), with a registered address at 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.

Send money from the UAE to other countries

Grey supports USD-funded transfers from the UAE to more than 80 countries. South Asia, Southeast Asia, Africa, Europe, and North America are all covered. Your Grey USD account balance is the funding source for all corridors. The rate and fee for each destination are shown before confirmation.

Grey also gives you a multi-currency balance to hold USD, GBP, EUR, and NGN, virtual cards for online payments, and GreyTag for free instant transfers to other Grey users. One app, more than one use.

Your USD balance converts to INR and lands in your recipient's Indian bank account or UPI wallet. SBI, HDFC Bank, ICICI Bank, Axis Bank, and UPI delivery via Google Pay and PhonePe are all supported. Your recipient does not need a Grey account.

Your USD balance converts to GBP and reaches your recipient's UK bank account via Faster Payments, typically within minutes. Barclays, HSBC UK, Lloyds, and NatWest are all supported. No UK account required on your end.

Western Union has exchange house locations across the UAE and is the dominant cash pickup provider. For bank-to-bank transfers, their combined fee and rate margin is typically higher than Grey. Grey delivers directly to recipient bank accounts with a transparent cost shown before confirmation.

PayPal and Xoom support some send corridors from the UAE but with higher fees and exchange rate markups. For South Asia and Africa corridors specifically, Grey's cost on bank-to-bank delivery is lower. Rate and fee are always shown before you send.

3 million people across 80+ countries trust Grey to move their money

FAQs

Can I send money from the UAE with Grey?

Yes. Grey gives UAE residents a USD account for receiving salary or freelance income. Once your USD balance is funded, you can send to India, Pakistan, the Philippines, Nigeria, the UK, Kenya, and 80+ other countries directly from the app.

Do I need a UAE bank account to use Grey?

No. You fund Grey using your Grey USD account, which comes with US routing and account numbers. Your employer or clients send USD there directly. You do not need a UAE bank account or local AED funding.

How does the Grey USD account work for UAE residents?

Your Grey USD account has US routing and account numbers, functioning like a US bank account for receiving purposes. Share those details with your employer for salary payments or with clients for invoice settlements. Funds arrive in your Grey balance and are available to send internationally.

What are Grey's fees for sending money from the UAE?

Grey charges a conversion fee on the transfer amount, shown in the app before you confirm. The exchange rate applied is also displayed before confirmation. No hidden markups are added after you send.

How long does it take to send money from the UAE?

Transfers to India, Pakistan, the Philippines, Nigeria, and Kenya via M-Pesa typically arrive within minutes from a funded Grey balance. Transfers to the US take 1 to 2 business days. Transfers to Europe via SEPA typically arrive within minutes.

Which countries can I send money to from the UAE with Grey?

Grey supports transfers from the UAE to India, Pakistan, the Philippines, Nigeria, Kenya, the UK, the US, and 30 European countries via SEPA, among others. The full list of supported destinations is visible in the app.

Is Grey available in the UAE?

Yes. Grey is available to residents of the UAE. You open an account on your phone, fund your USD balance by sharing your Grey account details for payroll or client payments, and send internationally from there.

Is Grey regulated?

Grey Inc is registered with FinCEN (Financial Crimes Enforcement Network) at 651 N Broad St, Suite 206, Middletown, DE 19709, United States. Every transfer is processed in accordance with US financial regulations.

What exchange rate does Grey use?

Grey applies a rate close to the mid-market rate, shown in the app before you confirm your transfer. The rate displayed at confirmation is the rate applied. There is no adjustment after the fact.

Can my recipient receive money without a Grey account?

Yes. Your recipient does not need a Grey account. Funds are delivered directly to their local bank account or mobile wallet as a standard local payment.

How is Grey different from UAE exchange houses?

Exchange houses in the UAE typically charge a flat service fee plus a 2 to 4 percent exchange rate margin. Grey charges a transparent conversion fee with the rate shown before confirmation. On large transfers, the difference is material. Grey also delivers directly to bank accounts without requiring a cash pickup visit.

Send money internationally from the UAE

Send money from the UAE, from the balance you already have

Sign up

Fund

Send

Which currencies does Grey support from the UAE?

India (INR)

Pakistan (PKR)

The Philippines, Nigeria, and Kenya

What does it cost to send money from the UAE?

Where can you send money with Grey

Other destinations

The best way to send money internationally from the UAE

Send money from the UAE to other countries

3 million people across 80+ countries trust Grey to move their money

FAQs

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