Posted August 10th, 2023

How to send Money to Australia from UAE

Learn how to send money to Australia from UAE, quickly, easily and conveniently with Hubpay. View step-by-step transfer instructions.
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How to send Money to Australia from UAE

More than 26,000 Australians live and work in the UAE. The United Arab Emirates is a hotspot for expats from all over the world.

With a growing number of direct flights, the UAE has opened its doors wide, beckoning those seeking a higher quality of life and a strategic financial advantage. Imagine a land where income tax is non-existent, allowing expats to truly optimize their earnings and thrive.

Amidst the charm of a vastly different culture from back home, the region offers an exceptional lifestyle and an attractive tax system, making it a magnet for expatriates. It's no wonder why so many are enticed to embark on this enriching journey.

While the expat lifestyle presents a wealth of opportunities, some Australian expats may desire to send money back home. If you find yourself in this situation, fret not! We have curated a comprehensive guide on sending money to Australia from the UAE, ensuring a seamless and efficient process to help you stay connected to your roots.

Want to send money to Australia?

[Looking for a cost-efficient, trusted, and easy way to send money from the UAE to Australia? Hubpay offers international money transfers with multiple additional services such as bill payments and airtime recharge. You canjoin for free on Apple and Google Play.]

Sending money is easy with the Hubpay App:

  • Cheaper transfers abroad - free from hidden fees and exchange rate markups.
  • Check exchange rates - see on the app how exchange rates have changed over time.
  • Repeat your previous transfers - save the details and make your monthly payments easier.

In this article, we will discuss the best method for sending money to Australia from the UAE, along with instructions on how to use this service. We'll cover:

  • How Can Australians Move to Dubai
  • Dubai Taxing System Considerations for Australians moving to Dubai
  • Common ways of sending money from the the UAE to Australia
  • What makes Hubpay so convenient for sending money to Australia
  • How to send money from the UAE to Australia with Hubpay

How can Australians move to Dubai?

If you are an Australian citizen, you don't need to complete a pre-entry visa application. You will be granted a free 30-day visit visa on arrival in the UAE.

Short-stay visas are a great option for those who want to get a feel for the UAE before committing to moving there full time. It also gives you the chance to explore the job market. If you intend to live and work in the country, you will need a long-term visa.

Those looking to work in the UAE will need a work permit, often referred to as a labor (sic) card. Before you can apply for a work permit, you will need the following:

  • An entry employment visa
  • A residency visa
  • An Emirates ID card

Your employer will usually help you arrange everything needed for your work permit.

The Taxing system is a big draw for Australians moving to Dubai

The UAE's alluring tax system stands as a major attraction for foreign workers, allowing them to retain their entire monthly salary without any income tax deductions.

However, while income in the UAE remains tax-free, the government does levy taxes in certain areas. For instance, a 10% tax is imposed on food and alcohol consumed at restaurants, and an annual 0.5% tax is applicable when using toll roads.

If you wish to consume alcohol within your home, a 30% tax is levied on the purchased items, and it's important to comply with the legal requirement of obtaining a license for alcohol purchase and sale to avoid potential consequences, such as visa revocation.

Furthermore, it is essential to consider potential taxes back in your home country. As an Australian expat earning income from sources like rental revenue or investments, you might be liable for taxes on such regular income streams.

For those of you who are non-residents for tax purposes in Australia, you will need to complete a tax return with the Australian Taxation Office.

According to KPMG, tax rates of 35.5% apply to the first 120,000 AUD. For residents and non-residents, the highest tax rate is 45% on income over 180,000 AUD.

Tax residency and international tax laws are multifaceted topics. If you are unsure, speak to an expert who specialises in those areas to ensure you are as tax efficient as possible.

Common ways of sending money to Australia from the UAE

Facing the dilemma of choosing the most suitable money transfer method? Wondering whether to opt for wire transfer, internet banking, Western Union, or cash transfer?

Worry not! Rather than sifting through numerous search results on how to send money from the UAE to Australia, we've compiled the top three reliable methods for your convenience.

Exchange houses to send money to Australia

Most expatriates in the UAE opt for exchange houses to send money back to their home countries. These establishments offer international money transfer services that do not necessitate a local bank account,simplifying the process, especially for newcomers.

Despite their convenience, exchange houses do have some drawbacks. They often impose higher fees on international transfers and the exchange rates may vary, leading to uncertainty in the overall cost of the transaction. Additionally, the transfer process itself can be time-consuming, taking several days to complete. As a result, many individuals are discouraged from using their services and instead seek reliable and expeditious alternatives for transferring money securely.

Banks for transfers to Australia

Traditionally, expats have favoured banks for their international money transfer needs.

Several licensed banks in the UAE offer secure money transfer services, ensuring the safety of funds. However, it's important to note that remittance through banks can be relatively more expensive due to higher margins and transaction costs.

Banks typically establish their own foreign exchange rates beforehand, which may differ from interbank rates. Additionally, the process of completing a typical remittance can take several working days. Depending on the diplomatic relations between countries, certain banks in the UAE might offer remittances with no upfront fees, while others provide a monthly remittance option without transaction charges.

One drawback of using banks for remittance is the potential for human errors in paperwork, leading to additional delays and, in some cases, even remittance rejections.

Online money transfer platforms

An alternative option for expatriates to transfer money from the UAE to Australia is through secure and cost-effective online platforms that specialize in international money transfers. These online platforms are renowned for their swift transaction process, making them the quickest method for sending money abroad. Additionally, some of these platforms offer dirham money transfers, resulting in reduced transaction costs for the users.

Hubpay is a trustworthy, easy-to-use mobile app, allowing for a quick and cost-effective money transfer.

What makes Hubpay so convenient for sending money to Australia?

Hubpay stands as a hassle-free and convenient option for those seeking to send money from the UAE to Australia for various compelling reasons.

Swift Money Transfers: With Hubpay's user-friendly mobile application, sending money online becomes almost instant, ensuring a seamless and time-efficient process. Expats can effortlessly send money back home without the need for time-consuming round trips or waiting for lengthy remittance processing.

Competitive Exchange Rates: Hubpay offers low-cost international money transfer services with competitive exchange rates and absolute transparency, free from hidden fees. This ensures that you get the most value for your money when sending funds to Australia.

Internal Chat Support: During the transfer process, communication is vital for both senders and recipients. Hubpay provides an internal chat feature to keep all parties informed and alleviate any anxieties related to transaction status.

Experience the ease and peace of mind with Hubpay as your go-to platform for sending money internationally.

How to send money to Australia from the UAE using Hubpay

Opting for a dedicated money transfer service to send money to Australia proves far superior to using traditional bank services. Money transfer companies offer enhanced exchange rates and lower transfer fees, resulting in significant savings of both money and time. Australia's remittance industry is highly developed, featuring numerous money remittance companies, making it challenging to identify the best rates available.

By using our app, you’ll find the best exchange rates for Australia, and you can swiftly determine the estimated value in Australian Dollars (AUD) for your transfer amount, compare exchange rates, remittance fees, transfer times, and other factors. Armed with this knowledge, you can confidently select the most cost-effective and efficient option to send money to Australia.

How do I send money from United Arab Emirates to Australia

Experience the speed and simplicity of sending money from the United Arab Emirates to Australia through Hubpay:

  • Log in to your Hubpay account or create a free account using the provided details.
  • Initiate a transfer from the UAE to Australia, specifying the desired currency and transfer amount.
  • Enter your recipient's bank details for seamless processing.
  • Provide your payment information, with options including direct debit, bank transfers, and card payments.
  • Confirm your transfer, and let us handle the rest.

With Hubpay, sending money to Australia becomes effortless and efficient, ensuring a smooth transaction process.

Is it safe to send money to Australia with Hubpay?

Ensuring your security is our topmost priority. We employ bank-grade technology to safeguard the integrity of our app, incorporating two-factor authentication for every transaction initiation. Hubpay is a licensed and regulated entity under Abu Dhabi Global Market, monitored by the Financial Services Regulatory Authority. Be assured that with Hubpay, all your transfers are consistently protected, providing you with a safe and secure experience.

How much does it cost to send money from United Arab Emirates to Australia?

For certain transfers from the United Arab Emirates to Australia, a nominal fee may apply, contingent upon the amount you wish to send. Rest assured; we will provide clear information about this fee before you confirm your transfer. Transparency is our priority, and we aim to keep you informed every step of the way.

How much money can I send from United Arab Emirates to Australia?

If you want to send amounts larger than 35,000 AED quickly and securely, we’ve got you covered. Request a Premium account and enjoy the benefits of VIP service and great exchange rates.

How to send money from to Australia from the UAE with Hubpay (Step by step guide)

Follow these easy steps to use Hubpay effectively:

Step 1: Get the Hubpay app

The Hubpay mobile application is available for both IOS and Android. Download the version compatible with your mobile phone from the respective app store.

Step 2: Free signup to Hubpay

Using Hubpay requires signing up using a phone number. Open the app, click Create a New Account, and provide the required information.


Hubpay will ask you to confirm your identity as part of the UAE’s know-your-customer (KYC) requirements. Scan your emirates ID using your phone's camera to complete the account creation process.

Emi id

Step 3: Secure your account

Hubpay offers two mechanisms to secure your account. The first method is the use of a one-time password (OTP). Whenever you attempt to sign in, the app will send an OTP to your registered phone number. Without this OTP, no one can access your account.


The second one is Biometrics. Here, you can scan and save a picture of your face. You can then login with your face capture.


Step 4: After setting up the Hubpay account, link a bank account

Now the Hubpay account is set and ready to connect to your bank account. You can do this in the following ways:

  1. Open the Hubpay app and login into your account; on the homepage, click Add Money, and a new pop-up tab, called Link to Your Bank Account, will appear.

2. In the Link to Your Bank Account tab, click Get Started.

Get startedd

3. Once you click on Get Started, a new tab appears; click on Set up Payments on this tab.


4. Select your bank and enter your bank details.

Hubpay integrates your bank account with your Hubpay account, eliminating the need to transfer funds to your Hubpay account each time you want to send money home.


Step 5: Charge your Hubpay mobile wallet

You can quickly add money in AED to your Hubpay mobile wallet after completing the bank account linking process. Simply, use the “+” symbol located in the app’s top right corner, and enter the amount of money you want to add. Once you have reviewed and approved the payment amount, it will be immediately added to your Hubpay mobile wallet. You can repeat this process whenever you want to add money to your wallet.


You are now all set up to remit AUD to Australia

After selecting Australia as the destination nation, Hubpay will show current foreign currency exchange rates and transfer fees. You won’t be charged any hidden fees, and you’ll know exactly how much money in Australian Dollars the recipient will receive in exchange for the dirhams you send.

After clicking the blue Send Money button at the bottom of the homepage, you'll need to enter the recipient's bank details (such as their account number). The money will be instantly transferred to the recipient’s account after you review the transaction details and click Confirm.

Need some help with sending money to Australia?

Hubpay can help you send money to Australia and their first-class customer service team are on hand to answer your questions:

Internal chat

Through the chat feature in the Hubpay app, you can directly communicate with the recipient and converse in real-time.

Past transactions

Through the Transaction tab on the home page, you can view the status of every transaction you’ve made. It offers an estimated completion time for the transaction in progress and full details on past ones.

Banks and exchange houses have disadvantages that might cause headaches when sending money from the UAE to Australia. In the meantime, online money transfer platforms seem to address many issues and outperform other money transfer methods.

[Are you looking for an affordable, reliable, and simple way to send money to Australia from the UAE? DownloadHubpay for free on Apple store and Google Play store and enjoy cost-effective, fast, and seamless international money transfers.]

Key Takeaways:

  • Hubpay offers a secure and convenient way to send money from the UAE to Australia through its mobile app.
  • The UAE's tax system allows expats to maximize earnings with no income tax deductions.
  • Online money transfer platforms like Hubpay provide competitive rates and transparency in fees.
  • Hubpay ensures security through two-factor authentication for each transaction.
  • Users are informed of any applicable fees before confirming the transfer.