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AED → EUR converter, real fees included
Google gives you the mid-market rate. Nobody actually gives you that rate. This tool shows what really lands in euros with each option, FX margin and hidden fees included.
| Option | EUR received | Real cost | Fee breakdown |
|---|
The 'real cost' adds the displayed fees AND the gap between the applied rate and mid-market: that is where most of a bank's cost hides.
Only AED → EUR bank transfers are compared; card payments and cash withdrawals follow other fee grids.
Fees checked on 9 September 2026 against official schedules and the Wise API; providers can change them without notice. Rows marked 'estimate' rely on observed margins, not a published grid. Revolut does not yet open accounts to UAE residents (CBUAE licences granted in June 2026).
Sources- Wise price API (AED→EUR, 9 Sept 2026)
- Wio Schedule of Fees Retail (2% FX, correspondent EUR 25)
- Emirates NBD correspondent bank charges (EUR slabs)
- Gulf News: Emirates NBD AED 26.25 transfer fee (Sept 2025)
- Bank FX margin ~2.4% (transfersupermarket)
- Al Ansari margin 0.7–1% (remit.ae)
- Mid-market rate: currency-api (jsDelivr, daily)
Frequently asked questions
Why does the amount received differ from the Google rate?
Google shows the mid-market rate, the midpoint between interbank buy and sell prices. No provider gives you that rate: each adds fixed fees and, above all, a margin on the rate. This converter adds both to show the real cost.
What is the cheapest way to send AED to euros?
For a standard transfer, providers that convert at mid-market with a transparent fee (Wise-style) come out ahead on almost every amount. Traditional banks stack a transfer fee, an FX margin and correspondent bank charges, often 3 to 4% in total.
Are UAE bank fees really 2 to 4%?
The visible line is the transfer fee (AED 26.25 at Emirates NBD outside free corridors), but the margin applied to the exchange rate weighs far more: about 2.4% observed, plus correspondent bank charges in euros. That is why the table reasons in 'what arrives' rather than displayed fees.
Are these figures up to date?
Fees were checked on 9 September 2026 against official schedules and the Wise API, and the mid-market rate refreshes daily. Providers can change their grids without notice: always check the amount received shown before confirming a transfer.
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