UAE Travel Tips

The United Arab Emirates uses the UAE Dirham (AED) as its official currency. The country is well set up for card payments, particularly in cities like Dubai and Abu Dhabi, where most hotels, restaurants, shopping centres, and taxis accept credit and debit cards. However, it is still practical to carry some cash, especially when visiting traditional souks, small cafés, local transport kiosks, or more remote desert areas. Having smaller denominations is useful for tips, parking, and public toilets.

ATMs are widely available throughout the UAE and can be found in malls, hotels, metro stations, and banks. Most machines accept international cards and offer English-language menus. Withdrawing cash directly from an ATM often provides better exchange rates than airport currency exchange counters. Be aware of potential international transaction or withdrawal fees set by your home bank. When prompted, always choose to withdraw in dirhams rather than your home currency to avoid dynamic currency conversion, which usually offers poorer rates.

Credit and debit cards such as Visa and MasterCard are commonly accepted. American Express is also widely used, especially in higher-end establishments, though it may be less accepted in smaller shops. Contactless payments and mobile wallets like Apple Pay, Google Pay, and Samsung Pay are increasingly popular and work at most terminals. Some small vendors may request a minimum spend for card use, so having cash for minor purchases is helpful.

Currency exchange offices are available at airports, malls, and tourist areas, but exchange rates can vary. ATMs typically provide more competitive rates. If exchanging currency in person, compare rates between locations, and avoid changing large amounts at hotel desks due to less favourable rates.

Before travelling, inform your bank of your trip to prevent card blocks due to suspicious activity. It's also wise to carry a backup card and save your bank’s emergency contact details in case your primary card is lost or compromised. Keep an eye on your transactions and use ATMs in well-lit, secure areas.

Traveller’s cheques are not commonly accepted in the UAE and are generally not a practical option. ATMs and cards remain the most reliable and efficient way to manage money during your visit.