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Pay in foreign currency on holiday or when you shop on a non-UAE website

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Pay in foreign currency on holiday or when you shop on a non-UAE website

Think before you pay in AED

When shopping abroad or online, most websites and retailers offer you the option to either pay in AED or foreign currency (USD, EUR, GBP). Always pay in foreign currency to avoid additional fees set by the merchant, on top of the standard 2.99% foreign transaction charge.

How it works

Terms and Conditions

  • Terms and conditions apply. Figures for illustrative purposes only, based on indicative USD rate and is subject to change. Merchant Rates vary from country to country. The final amount includes the association charge for Visa/Mastercard. *This fee is charged in addition to the standard processing fee charged by Visa/Mastercard on international transactions or transactions performed/acquired in any currency other than the UAE Dirham. Merchant Rate is the rate at which the merchant converts your transaction into your home currency. Rates can go as high as 5% or more. In this example 5% is used.


Please note that some eCommerce merchants (e.g. iTunes, SpiceJet, Indigo Airlines, Deliveroo) although offering services in UAE and charging in AED, process their card payments outside of the UAE. Such transactions are considered as international transactions and thus are subject to the DCC charges as mentioned above.