{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Sending money to the United Arab Emirates? Get the information you need for payments to the United Arab Emirates.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<ul><li><p>Log in to My ING and go to the transfer screen.</p></li><li><p>Select the country and currency for your money transfer.</p></li><li><p>After entering the amount and the fee option, you&apos;ll get an instant indication of the price and exchange rate.</p></li></ul>"},"title":"How it works"},{"componentType":"paragraph","richBody":{"value":"<p>A <a data-type=\"internal\" href=\"/particulier/betalen/geld-overmaken/wereldbetaling\">fee</a> is charged for these international money transfers. If you choose the OUR fee option, the beneficiary will not be charged by their bank. ING will charge an OUR fee for this. For the United Arab Emirates, the OUR fee is €25.</p>"},"title":"Fees"},{"componentType":"paragraph","richBody":{"value":"<p>You can see how long it will take <a href=\"https://www.ing.nl/particulier/betalen/buitenland/buitenland-betaling/verwerkingsduur-buitenlandse-betalingen.html\">here</a>.</p>"},"title":"Processing time"},{"componentType":"paragraph","richBody":{"value":"<ul><li>The IBAN for the United Arab Emirates consists of 23 alphanumeric characters (enter numbers and letters without any spaces), for example: AE070331234567890123456.</li><li>The Central Bank of the United Arab Emirates (CBUAE) requires a purpose of payment code. Place the purpose of payment code in the description field, in the following format: /BENEFRES/AE//<strong>&lt;Purpose of Payment Code&gt;</strong>/ <br /><br />For example:  /BENEFRES/AE//<strong>ACM</strong>/<br /> <table><thead><tr><th scope=\"col\"><p><strong>Code</strong></p></th><th scope=\"col\"><p><strong>Purpose of payment code description</strong></p></th></tr></thead><tbody><tr><td><p><strong>AFA</strong></p></td><td><p>Receipts or payments from personal residents bank account or deposits abroad</p></td></tr><tr><td><p><strong>AFL</strong></p></td><td><p>Receipts or payments from personal non-residents bank account in the UAE</p></td></tr><tr><td><p><strong>ALW</strong></p></td><td><p>Allowance</p></td></tr><tr><td><p><strong>CHC</strong></p></td><td><p>Charitable contributions (charity and aid)</p></td></tr><tr><td><p><strong>EDU</strong></p></td><td><p>Educational support</p></td></tr><tr><td><p><strong>FAM</strong></p></td><td><p>Family support (workers’ remittances)</p></td></tr><tr><td><p><strong>FIA</strong></p></td><td><p>Investment fund shared foreign</p></td></tr><tr><td><p><strong>FIL</strong></p></td><td><p>Investment fund shared in the UAE</p></td></tr><tr><td><p><strong>FIS</strong></p></td><td><p>Financial services</p></td></tr><tr><td><p><strong>GDE</strong></p></td><td><p>Goods sold (exports in FOB value)</p></td></tr><tr><td><p><strong>GDI</strong></p></td><td><p>Goods bought (imports in CIF value)</p></td></tr><tr><td><p><strong>IGT</strong></p></td><td><p>Intergroup transfers</p></td></tr><tr><td><p><strong>IID</strong></p></td><td><p>Interest on debt intragroup</p></td></tr><tr><td><p><strong>INS</strong></p></td><td><p>Insurance services</p></td></tr><tr><td><p><strong>ISH</strong></p></td><td><p>Income on investment funds shares</p></td></tr><tr><td><p><strong>ITS</strong></p></td><td><p>Computer services</p></td></tr><tr><td><p><strong>LEA</strong></p></td><td><p>Leasing abroad</p></td></tr><tr><td><p><strong>LEL</strong></p></td><td><p>Leasing in the UAE</p></td></tr><tr><td><p><strong>OAT</strong></p></td><td>Own account transfer </td></tr><tr><td><p><strong>OTS</strong></p></td><td><p>Other modes of transport (including postal and courier services)</p></td></tr><tr><td><p><strong>PEN</strong></p></td><td><p>Pension</p></td></tr><tr><td><p><strong>PIN</strong></p></td><td><p>Personal investments</p></td></tr><tr><td><p><strong>PMS</strong></p></td><td><p>Professional and management consulting services</p></td></tr><tr><td><p><strong>PPA</strong></p></td><td><p>Purchase of real estate abroad from residents</p></td></tr><tr><td><p><strong>PPL</strong></p></td><td><p>Purchase of real estate in the UAE from non-residents</p></td></tr><tr><td><p><strong>PRS</strong></p></td><td><p>Personal, cultural, audiovisual and recreational services</p></td></tr><tr><td><p><strong>RNT</strong></p></td><td><p>Rent payments</p></td></tr><tr><td><p><strong>SAL</strong></p></td><td><p>Salary (compensation of employees)</p></td></tr><tr><td><p><strong>SCO</strong></p></td><td><p>Construction</p></td></tr><tr><td><p><strong>STR</strong></p></td><td><p>Travel</p></td></tr><tr><td><p><strong>TCS</strong></p></td><td><p>Telecommunication services</p></td></tr><tr><td><p><strong>TOF</strong></p></td><td><p>Transfer of funds between persons normal and Juridical</p></td></tr><tr><td><p><strong>TTS</strong></p></td><td><p>Technical, trade‐related and other business services</p></td></tr><tr><td><p><strong>UTL</strong></p></td><td><p>Utility bill payments</p></td></tr><tr><td><p><strong>TAX</strong></p></td><td><p>Tax payment</p></td></tr></tbody></table><p> </p></li></ul><p> </p><p> </p>"},"textLinks":[{"text":"United Arab Emirates purpose codes","url":"https://assets.ing.com/m/31bc9dfc56296959/original/Purpose-Codes-UAE.pdf"}],"title":"IBAN and required information"}]},"hasMacro":false,"id":"1718c326-c2f3-4b02-8db6-1adc1106513f","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Paying abroad","url":"/en/personal/payments/payments-abroad"}},"componentType":"productHeader","coreHeader":{"body":"Sending money to the United Arab Emirates? Find out how that works.","title":"United Arab Emirates"}},"publishDate":"2025-02-06T14:46:50.603+01:00"}}