This page summarises options for sending money from United Arab Emirates to Jordan and links the relevant regulator. Always compare the recipient amount and exchange rate on each provider's own site before sending - rates and fees change.
Editor's note
Outbound remittances from the UAE are regulated by the Central Bank of the UAE (CBUAE), which licenses banks, exchange houses, and payment service providers permitted to conduct money transfers. Transfers to Jordan must be processed through a CBUAE-licensed entity, and providers operating in the UAE are subject to anti-money laundering and know-your-customer requirements under UAE federal law.
Providers we have referenced for United Arab Emirates to Jordan
Pricing changes. Confirm the current fee, exchange rate, and recipient amount on each provider's own site.
| Provider | Fee | Speed | Exchange rate | Notes | |
|---|---|---|---|---|---|
| Wise | Variable percentage-based fee plus a small fixed component. See wise.com for a real-time quote before sending. | Transfers typically arrive within one to two business days, though timing can vary. Confirm on the Wise website at the time of transfer. | Wise uses the mid-market exchange rate and adds a transparent conversion fee, which is displayed before you confirm the transfer. | Wise is licensed and regulated in the UAE by the CBUAE. Transfers are sent in JOD or may be converted on receipt depending on the recipient bank. Verify current availability for UAE-to-Jordan corridors on the Wise website. | |
| Revolut | Fees depend on the account plan held. Standard accounts may incur conversion fees above a monthly free allowance. See revolut.com for current UAE product terms. | Transfer times vary. International transfers can take one to three business days depending on the recipient bank in Jordan. | Revolut uses an interbank-based rate with a markup applied outside standard trading hours or above plan allowances. Check the in-app quote before confirming. | Check whether the UAE version of Revolut supports direct transfers to Jordanian bank accounts before initiating a transfer, as product features can differ by market. | |
| Al Ansari Exchange | Fees vary by transfer amount, destination, and payout method. Visit a branch or the Al Ansari Exchange website for a current quote. | Cash pickup transfers to Jordan can be available within minutes or same day. Bank transfers may take one to two business days. | Exchange rates are set by Al Ansari and include a margin over the mid-market rate. The rate is displayed at the point of transaction. | Al Ansari Exchange is regulated by the CBUAE. It operates a wide branch network across the UAE and offers both bank deposit and cash pickup options for Jordan. | |
| Al Mulla Exchange | Fees vary by transfer amount and payout method. Confirm current fees at a branch or on the Al Mulla Exchange website. | Transfer times depend on payout method. Cash pickup may be available on the same day in some cases. Bank deposits typically take one to two business days. | Rates include a margin over the interbank rate and are confirmed at the point of transaction. | Al Mulla Exchange operates across the UAE and is regulated by the CBUAE. Available payout options for Jordan should be confirmed directly with the provider. | |
| Bank wire (UAE bank) | UAE banks typically charge a flat international transfer fee plus a correspondent bank fee. The recipient bank in Jordan may also deduct a receiving fee. Confirm with your UAE bank before sending. | International SWIFT transfers from UAE banks to Jordan generally take two to five business days, depending on the banks involved and any intermediary banks in the chain. | Banks apply their own exchange rate, which includes a margin over the mid-market rate. The rate is usually less competitive than specialist transfer providers. Confirm the rate with your bank before transacting. | Bank wires are suitable for larger or business transfers where a direct bank-to-bank record is required. Your UAE bank must be licensed by the CBUAE. Transfers to Jordan use the SWIFT network and require the recipient IBAN. | |
| Western Union | Fees vary by transfer amount, send method, and payout method. Use the Western Union online fee estimator or visit a UAE agent location for a current quote. | Cash pickup transfers can be available within minutes in many cases. Bank account deposits typically take one to two business days. | Western Union applies a margin to the exchange rate in addition to any transfer fee. Review the total cost shown in the fee estimator before confirming. | Western Union has agent locations across the UAE and offers cash pickup through a network of agent locations in Jordan. Confirm Jordan payout availability and options on the Western Union website. | |
| MoneyGram | Fees depend on transfer amount, funding method, and payout type. Use the MoneyGram fee estimator at moneygram.com for a current quote. | Cash pickup may be available within minutes. Bank deposits typically take one to two business days. | MoneyGram sets its own exchange rate, which includes a margin over the interbank rate. The full cost is shown before you confirm the transaction. | MoneyGram operates through agent locations in the UAE and has a network of agent locations in Jordan. Verify current payout options on the MoneyGram website. |
The general process
- Choose a provider that is licensed in United Arab Emirates and serves the Jordan corridor.
- Open and verify an account. You will typically need a valid government-issued ID and proof of address.
- Enter the transfer details. Recipient name must match their bank account exactly, with the correct account number or IBAN.
- Check the total cost. Compare the recipient amount and exchange rate against at least one other provider.
- Fund the transfer using a method the provider supports.
- Confirm delivery. Keep the reference number; it helps if you need to query the transfer with either provider.
The real cost of a transfer
A "low fee" is not always the same as a low cost. The total cost of a transfer is the explicit fee plus any markup between the provider's exchange rate and the mid-market rate (the rate you see on Google or Reuters). The clearest way to compare providers is to look at the amount the recipient actually receives in JOD for a given amount of AED.
Total cost = transfer fee + (mid-market rate − provider rate) x amount
Worked example
Suppose you want to send 10,000 AED to Jordan. Two providers, two structures:
| Item | Provider A | Provider B |
|---|---|---|
| Headline fee | 30 AED | 0 AED |
| Exchange-rate margin | 0% (mid-market) | 1.5% |
| Hidden FX cost on 10,000 | 0 AED | 150 AED |
| Total cost | 30 AED | 150 AED |
The "zero fee" option costs five times as much in this example because the FX margin is hidden inside the rate. The numbers above are illustrative - real margins and fees vary by provider and corridor. Always check the recipient amount on the provider's own quote screen before sending.
Tips
- 1Always compare the total cost of a transfer, not just the headline fee. The exchange rate margin can represent a significant portion of the total cost, particularly on larger amounts.
- 2Jordan uses the Jordanian Dinar (JOD), which is pegged to the US Dollar. Confirm with your provider whether the transfer will be delivered in JOD or USD, and how conversion is handled.
- 3When sending to a Jordanian bank account, you will typically need the recipient's IBAN and the bank's SWIFT or BIC code. Confirm these details with the recipient before initiating a transfer.
- 4Transfer speeds shown by providers are estimates and can be affected by public holidays in either country, compliance checks, or processing times at the recipient bank. Send ahead of time if funds are needed by a specific date.
- 5Keep a record of your transaction reference number after sending. This is needed if you need to trace or query a transfer.
- 6UAE residents are required to use licensed and regulated transfer providers. The CBUAE maintains a list of licensed exchange houses and payment service providers on its website.
Frequently asked questions
- What is the Jordanian Dinar exchange rate against the UAE Dirham?
- Exchange rates fluctuate and vary between providers. Each provider applies its own rate at the time of the transaction. Check the rate shown in the transfer tool or at the exchange house counter before confirming. The JOD is pegged to the US Dollar, so its value relative to the AED is relatively stable, but the rate offered by a provider will still include a margin.
- Do I need to show identification to send money from the UAE to Jordan?
- Yes. UAE-regulated providers are required to verify your identity before processing a transfer. You will typically need to present a valid Emirates ID or passport. Requirements can vary by provider and transfer amount, so confirm with your chosen provider.
- Is there a limit on how much I can send from the UAE to Jordan?
- Transfer limits vary by provider and by the method used. Banks and exchange houses may apply different limits for cash, online, and in-branch transfers. For large transfers, some providers may require additional documentation. Check the specific limits with your chosen provider before initiating the transfer.
- Can I send money from the UAE to a cash pickup location in Jordan?
- Yes. Several providers including Western Union, MoneyGram, and some exchange houses offer cash pickup options in Jordan. The recipient collects the funds at a participating agent location using the transaction reference number and their identification. Confirm available payout locations in Jordan with your provider before sending.
- How long does a bank wire transfer from UAE to Jordan take?
- International bank transfers via SWIFT generally take between two and five business days, depending on the banks involved, whether correspondent banks are used, and compliance processing times. Transfers sent close to weekends or public holidays in either country may take longer.
- Are exchange houses in the UAE regulated?
- Yes. Exchange houses operating in the UAE must be licensed by the Central Bank of the UAE (CBUAE). A list of licensed exchange houses is available on the CBUAE website. You should only use licensed providers when sending money internationally.
- What details do I need to send money to a bank account in Jordan?
- To send money directly to a Jordanian bank account, you will generally need the recipient's full name, their IBAN, the bank name, and the bank's SWIFT or BIC code. Confirm these details with your recipient before initiating the transfer to avoid delays or misdirected funds.
Official sources
Verify any provider is licensed before sending money: Central Bank of the UAE - Licensed Financial Institutions.