Dubai Currency Guide
USD & EUR to AED
Everything you need to know about using money in Dubai, from exchange rates to payment methods
Understanding UAE Currency
The official currency of Dubai and the United Arab Emirates is the UAE Dirham (AED or د.إ). As of 2025, the exchange rates are approximately:
- 1 USD = 3.67 AED (fixed rate)
- 1 EUR ≈ 4.00 AED (varies with market)
The Dirham is divided into 100 fils. Banknotes come in denominations of 5, 10, 20, 50, 100, 200, 500, and 1000 AED. Coins are available in 25 fils, 50 fils, and 1 Dirham denominations.
Where to Exchange Money
Exchange Centers
Dubai has numerous exchange houses offering competitive rates. Popular options include:
- Al Ansari Exchange
- UAE Exchange
- Al Rostamani International Exchange
These centers are found throughout the city, especially in major malls and shopping areas. They typically offer better rates than hotels or airport exchanges.
ATMs
ATMs are widely available and accept most international cards. Major banks include:
- Emirates NBD
- Abu Dhabi Commercial Bank (ADCB)
- Mashreq Bank
Tip for US Travelers: Inform your bank about your travel plans to avoid card blocks. Most US debit cards work seamlessly in Dubai ATMs.
Payment Methods
Credit Cards
Dubai is highly card-friendly, with most establishments accepting major credit cards:
- Visa and Mastercard (most widely accepted)
- American Express (accepted at higher-end establishments)
- Digital wallets (Apple Pay, Google Pay, Samsung Pay)
For European Visitors: Cards with chip-and-PIN technology are widely supported. Most EU-issued cards work without issues in Dubai.
Cash vs. Card
While cards are widely accepted, it's recommended to carry some cash for:
- Traditional souks and small shops
- Taxis (though many now accept cards)
- Street food and small purchases
- Tips and gratuities
Money-Saving Tips
- Use credit cards with no foreign transaction fees
- Choose to pay in AED rather than your home currency when offered the choice
- Avoid exchanging money at hotels or the airport
- Withdraw larger amounts from ATMs to minimize fees
- Consider getting a multi-currency travel card
Smart Tip: Many US and EU credit cards offer travel rewards and purchase protection. Check your card benefits before traveling.
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Quick Facts
Currency Name
UAE Dirham (AED)
Exchange Rate (USD)
1 USD = 3.67 AED (fixed)
Exchange Rate (EUR)
1 EUR ≈ 4.00 AED (varies)
Credit Cards
Widely accepted
ATM Availability
Excellent coverage
Money Safety Tips
Avoid carrying large amounts of cash, especially in crowded areas
Use ATMs located inside banks or malls for added security
Keep a photocopy of your credit cards and passport in case of loss
Have your bank's international customer service number handy