How to Send Money from the Middle East to South Asia (2025)

When you work abroad, every dirham, riyal, and dinar you earn is the result of hard work and sacrifice. So, when it’s time to send that money back home to your family, one big question always comes to mind: “How can I make sure they receive the most amount possible?”

It’s a frustrating feeling. Hidden fees, poor exchange rates, and slow transfer times can chip away at your hard-earned cash. But it doesn’t have to be this way.

This guide will walk you through the best ways to send money from the Middle East to South Asia in 2025. We will compare the top services to help you save both time and money.

Key Factors to Check Before Sending Money

Before you choose a service, understanding these five simple terms will help you make the best decision.

1. Exchange Rate: This is the value of one currency compared to another. Even a tiny difference in the rate can mean a lot more cash for your family. Always look for the service that offers a rate closest to the mid-market rate (the one you see on Google).
2. Transfer Fee: This is the upfront cost the company charges for the service. It can be a fixed amount (e.g., 15 AED) or a percentage of the money you send. Beware of services that claim “zero fees” but give you a poor exchange rate—that’s a hidden fee.
3. Transfer Speed: How quickly do you need the money to arrive? Some services can deliver it in minutes (instant transfer), while others might take a few business days. Faster is often more expensive, so choose based on your needs.
4. Receiving Method: How will your family collect the money? The most common options are a direct deposit to their bank account, cash pickup from a local agent, or a transfer to a mobile wallet like bKash, Nagad, or UPI. Make sure the service you choose supports the method that is most convenient for them.
5. Safety and Legitimacy: Always use a service that is officially licensed and regulated by the financial authorities of the country you’re sending from (like the Central Bank of the UAE). This ensures your money is protected.

The 5 Best Money Transfer Services for 2025

Here’s a detailed look at the most popular and reliable options available to expatriates in the Middle East.

1. Wise (Formerly TransferWise)

• Best for: Sending larger amounts directly to bank accounts with the best possible exchange rate.
• Pros: Wise is famous for its transparency. They always use the mid-market exchange rate and show you their low, clear fee upfront. Their app and website are very easy to use.
• Cons: Cash pickup options are limited. Using a credit card to fund your transfer can add an extra fee.

2. Remitly

• Best for: Users looking for promotional offers and fast delivery options.
• Pros: Remitly often has great offers for new customers (like zero fees on your first transfer). They have an “Express” option for near-instant transfers and support various receiving methods, including cash pickup and mobile wallets.
• Cons: Their standard exchange rates aren’t always the absolute best compared to Wise.

3. WorldRemit

• Best for: Sending money directly to mobile wallets (like bKash/Nagad) or for mobile airtime top-ups.
• Pros: WorldRemit offers incredible flexibility in how your family can receive money. The service is fast, secure, and user-friendly, making it a strong all-around choice.
• Cons: For very large bank transfers, their fees might be slightly higher than some competitors.

4. Western Union / MoneyGram

• Best for: Urgent transfers where the receiver needs to pick up cash immediately and doesn’t have a bank account.
• Pros: Their biggest advantage is their massive global network. You can find an agent location in almost any town or city, making cash pickup extremely convenient.
• Cons: They are generally the most expensive option. Their fees are higher, and their exchange rates are significantly worse than online platforms.

5. Local Exchange Houses (e.g., Al Ansari, LuLu Exchange)

• Best for: People who prefer face-to-face service and are not comfortable with online apps.
• Pros: These are trusted and well-known brands across the Middle East. You can walk in, hand over cash, and get personal assistance from an agent.
• Cons: Their exchange rates are often less competitive than online-only services. You also have to physically travel to a branch, which takes time.

Quick Comparison Table

This table helps you see the key differences at a glance.

Frequently Asked Questions (FAQ)

1. What is the absolute cheapest way to send money?

Generally, an online service like Wise will be the cheapest for bank-to-bank transfers because of their excellent exchange rates and low fees.

2. Is it safe to send money online?

Yes, it is very safe as long as you use a reputable, licensed company like the ones listed above. They use bank-level security to protect your money and data.

3. What documents do I need to send money?

You will typically need your resident ID (like an Emirates ID or Saudi Iqama) and the recipient’s full name and bank account details (or phone number for mobile wallet transfers).

4. Which app is best for sending directly to bKash or Nagad?

WorldRemit and Remitly are excellent choices for sending money directly to mobile wallets in Bangladesh and other South Asian countries.

5. Why are transfers slower on weekends or holidays?

Transfers that go through banks can be delayed because banks are closed on weekends and public holidays. Services with cash pickup options, like Western Union, are often still available.

Conclusion

There is no single “best” service for everyone. The right choice depends entirely on your needs.

If your priority is getting the best rate for a bank transfer, Wise is likely your best option. If you need the money to arrive instantly as cash, Remitly or Western Union are better choices.

Before every transfer, take just two minutes to compare the exchange rates and fees. By choosing the right service, you can ensure that your hard-earned money goes further for the people you love back home.