For many UAE expats, sending money home is a priority. But traditional banks often charge high fees and take a long time to transfer funds. Thanks to new digital apps, you can now send money easily, quickly, and cheaply — even without a bank account.
All you need is a UAE mobile number and a debit or credit card. There are no registration fees, no minimum balances, and sometimes no transfer fees at all. Here are some of the best options:
1. Botim
Botim was first known for voice and video calls. In 2023, it launched money transfer services across 170+ countries, including India, Pakistan, the Philippines, and Egypt.
Key features:
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Competitive exchange rates
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Minimal or zero fees for some countries
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24/7 transfers with real-time tracking
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Easy-to-use in-chat money transfers
2. Careem Pay
Careem Pay lets you send money to over 30 countries. You can transfer money using just a phone number or a personal payment link — no bank details needed.
Key features:
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Up to 50% cheaper rates than traditional banks
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Instant or same-day transfers in some cases
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Supports UAE-issued debit cards
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Multilingual support and simple interface
3. e& money
e& money (previously Etisalat Wallet) is a digital wallet app that helps you send money abroad with low fees and good exchange rates.
Key features:
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Licensed by the UAE Central Bank
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Send money to over 200 countries
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Supports local bill payments, phone top-ups, and other services
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Secure and regulated
4. Taptap Send
Taptap Send is popular for sending money to Africa, Asia, and the Caribbean. It is newer in the UAE but trusted for low costs.
Key features:
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Zero transfer fees to many countries
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Competitive exchange rates
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Fast delivery, usually within minutes
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Simple and fast signup
5. LuLu Money
LuLu Money is the digital platform of LuLu Exchange. It supports transfers to over 170 countries.
Key features:
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Real-time rate monitoring
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Flexible payout options
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Safe and regulated
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Loyalty points and rewards for users
6. Al Ansari Exchange App
Al Ansari’s app is like a “super-app” for money services. You can send money, pay bills, top up your mobile, and even book flight tickets.
Key features:
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Multiple payment options (cards, cash, online banking)
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Real-time exchange rates
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Licensed by the UAE Central Bank
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High security with fraud protection
7. Unimoni App
Unimoni, formerly UAE Exchange, is a global financial service under Wizz Financial. It operates in over 30 countries.
Key features:
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Transparent fees shown upfront
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Uses live mid-market exchange rates
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Supports many payout options
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Regulated and secure
The Bottom Line
For UAE expats, these apps make it easy to send money abroad without the hassle of opening or maintaining a bank account. They are affordable, secure, and much faster than old-school bank transfers. Before you choose an app, check their exchange rates, fees, and supported countries to find the best fit for your needs.
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