Understanding the full cost of a Dubai–India money transfer requires looking beyond the headline fee. This page explains all the charges involved — flat fees, exchange rate margins, and receiving bank fees — and how to calculate the total cost. remit.ae is an independent information platform. All rates and fees must be verified directly with your chosen provider.
Compare live AED → INR transfer costs
See fees and rates from multiple providers
Every Dubai-to-India transfer involves up to three layers of cost. Most senders only notice the first — the flat fee — but the exchange rate margin is often larger.
A fixed charge per transaction regardless of amount. UAE exchange houses typically charge AED 5–25. Digital apps like Wise charge a variable fee based on amount and payment method. Some providers advertise "zero fee" but recover cost through the exchange rate instead. Always ask.
This is the difference between the mid-market AED/INR rate (available on Google or XE.com) and the rate the provider offers you. A 1% margin on a AED 1,000 transfer means approximately AED 10 extra cost. On large amounts this is the biggest component of cost. Compare rates carefully and always ask what INR the recipient will actually receive.
Some Indian banks charge a small fee to process incoming international transfers. This is charged by the recipient's bank in India, not by the sending provider. It may be deducted from the received INR amount. Ask your recipient to check with their Indian bank whether an inward remittance fee applies.
| Provider Type | Flat Fee (indicative) | FX Margin | Verify |
|---|---|---|---|
| Exchange Houses (Al Ansari, LuLu) | AED 5–25 per transfer | Varies — ask at counter | At branch or online |
| Wise | Variable — shown in app | Near mid-market rate | wise.com before confirm |
| Remitly | Variable — shown in app | Varies by speed option | remitly.com before confirm |
| UAE Bank Wire | AED 25–100+ per transfer | Typically wider margin | Ask your bank directly |
Indicative only. Actual fees and margins change daily and vary by amount, payment method, and promotional offers. remit.ae does not guarantee these figures. Always get a confirmed quote from the provider before sending.
Ask the exchange house or check the app for the rate they will apply to your transfer.
Look up the current AED/INR mid-market rate on Google (search: '1 AED to INR') or XE.com. This is the base rate with no margin.
Subtract the provider's rate from the mid-market rate, divide by mid-market rate, multiply by 100. Example: mid-market 22.90, provider offers 22.50 → margin = (22.90 − 22.50) / 22.90 × 100 = 1.75%.
Convert the flat AED fee to INR at the provider's rate, then add it to the FX margin cost. This gives you the total cost of the transfer in INR terms.
Ask the provider: 'Exactly how many INR will my recipient receive if I send AED [X]?' This is the only number that matters.
Charges include: a flat transfer fee (typically AED 5–25 for exchange houses), an exchange rate margin (0.5%–3% depending on provider), and possibly a receiving bank fee in India. The total cost varies by provider, send amount, and current market conditions. Ask the provider what INR your recipient will receive for your exact amount.
Yes. Al Ansari, LuLu Exchange, GCC Exchange and others charge a flat fee per transaction and apply a margin on the AED to INR exchange rate. Some advertise 'zero fee' but apply a wider rate margin instead. Verify the complete cost — including the exact INR recipient amount — directly at the branch or on the provider's website.
This depends on the amount sent and current rates at the time of transfer. Wise uses a rate close to mid-market and shows its fee transparently. Exchange houses may have lower flat fees but apply a rate margin. For any specific transfer, compare the final INR your recipient receives — not just the headline fee. remit.ae does not rank providers as cheaper without verified real-time data.
The exchange rate margin is often the least visible cost — built into the rate rather than listed as a fee. Some Indian banks deduct an inward remittance fee from received amounts. Always ask two questions before sending: (1) What rate are you applying? (2) Exactly how many INR will my recipient receive?
For a full step-by-step guide to the transfer process, see our How to Transfer Money from Dubai to India page. To compare AED to INR rates across providers, visit the AED to INR comparison page.
Always verify directly with the provider before sending
remit.ae is a comparison platform — not a live rate feed or money transfer service. Rates and fees shown may be estimated or stale. Confirm these before transferring:
Send Money UAE to India
Overview of transfer options from UAE to India.
How to Transfer Money Dubai to India
Step-by-step guide for Dubai–India transfers.
AED to INR
Compare AED to INR rates across providers.
Exchange Houses UAE
Licensed UAE exchange houses — overview.
Al Ansari UAE to India
Al Ansari Exchange for Dubai–India corridor.
LuLu Exchange UAE to India
LuLu Exchange for Dubai–India corridor.