Cash or Card in United Arab Emirates?
Everything you need to know about paying for things in United Arab Emirates as a traveler.
The Short Answer
Cards are accepted almost everywhere in Dubai and Abu Dhabi. Cash is useful for souks, smaller shops, and tipping.
How Much Cash to Bring
100-200 AED per day
Keep some cash for small purchases, street vendors, and places that don't accept cards.
ATM & Cash Withdrawal Tips
ATMs are plentiful and reliable. Use ENBD or ADCB ATMs for the best rates. Avoid currency exchange at airports.
Currency
د.إ
Arab Emirates Dirham
AED
Currency code
Check live rates at your bank or XE.com
Recommended Travel Cards
Cards with no foreign transaction fees work best for international travel.
- ●Wise debit card
- ●Revolut
- ●No-FX Visa/Mastercard
Universal Travel Money Tips
Regardless of your destination, these money tips apply everywhere and can save you significant amounts on fees and exchange rates:
- ✓Always decline "Dynamic Currency Conversion" (DCC) at ATMs and shops — it uses a worse exchange rate and adds hidden fees. Choose to pay in the local currency instead.
- ✓Notify your bank before traveling to avoid your card being blocked for suspicious activity. Set up travel notifications in your banking app.
- ✓Carry two different payment methods (e.g., two different cards, or a card and cash) in case one fails, gets lost, or is not accepted.
- ✓Avoid exchanging money at airports and hotels — they offer the worst rates. Use ATMs or local exchange offices in the city center instead.
- ✓Keep a small emergency fund in USD or EUR — these are widely accepted and easily exchanged in most countries worldwide.