Sending money outside the UAE is about to get pricier for residents and businesses alike come September 22, 2025. In a recent update that impacts both personal remittances and business-related international payments, the fee charged on overseas transactions has been revised upward — now standing at 3.14% and raised from 2.09%.
This move means anyone making purchases in foreign currencies, sending funds abroad, or using UAE-issued cards for international payments will now have to pay more than before. The new fee rate applies to most forms of cross-border card transactions, including online purchases made on international websites.
Previously, overseas transaction fees were slightly lower, helping consumers and business owners reduce the extra cost of currency conversion and international payments. However, with the revised rate, these benefits shrink as the cost of moving money outside the country becomes more expensive.
Financial experts say the updated charge is part of broader adjustments by banks and card issuers to stay aligned with evolving global financial policies, foreign exchange risks, and operational costs. The 3.14% fee includes not only the bank’s processing charges but also factors in currency conversion margins and international service provider fees. What is important is where and how the transaction is processed and not just the currency.
This change may particularly affect frequent travelers, online shoppers using global e-commerce platforms, and companies dealing with international suppliers or service providers.
For consumers, it’s now more important than ever to be mindful when using their cards abroad or making foreign currency payments online. Comparing payment methods, choosing UAE-based merchants where possible, and being strategic about currency conversion options can help reduce the overall financial impact.
