All You Need to Know About the United Arab Emirates Dirham (AED)

The official currency of the UAE is the United Arab Emirates Dirham (AED). In tourist areas, major foreign currencies like the U.S. Dollar, Euro, and British Pound are sometimes accepted, but most transactions are done in Dirhams.

The Dirham (AED) is available in denominations of 5, 10, 20, 50, 100, 200, 500, and 1000. Coins (fils) are typically in 1 AED, 50 fils, and 25 fils. It’s advisable to carry small change, especially when visiting markets, taxis, or small cafes.

While hotels, malls, and larger establishments accept credit cards and sometimes foreign currencies, it’s best to have local currency on hand for taxis, local markets, and smaller vendors.

ATMs are widely available in most major cities and towns in Dubai.  You’ll find them at bank branches, on street corners, at major stores and in shopping malls. You’ll also find them in the airport. ATMs at airports tend to be very expensive, charging high fees for withdrawing money or converting currency so even though they may be convenient, they’re best avoided unless you have no other option. Although there are some fee-free ATMs in Dubai, the majority of bank ATMs charge between AED 22 to AED 26.26 (UAE Dirham) per transaction to foreign cardholders and some bank ATMs do not charge fees to some specific foreign cards.

ATMs in The UAE generally accept Visa, Mastercard, Amex, and Discover cards, though it’s important to watch out for potential fees, especially with Amex. Amex cards can incur higher ATM fees, immediate cash advance interest, and extra charges, so using fee-free ATMs when possible is recommended. Discover cards are accepted at ATMs displaying the Discover or JCB logo, and while they usually avoid foreign transaction fees, operator and cash advance fees may still apply. Always withdraw in UAE Dirhams to avoid unnecessary currency conversion charges, and be aware that Dubai ATM withdrawal limits typically range from AED 5,000 to AED 50,000 depending on your card and bank. Check your home bank’s withdrawal limits and potential fees before traveling, as both your bank and the ATM provider may impose restrictions. While not always necessary, it’s smart to notify your bank about your travel plans to avoid having your card flagged for suspicious activity and potentially blocked.

Tipping is optional but appreciated – leave small change or round up in cafés and restaurants. Bargaining is uncommon in stores but can be acceptable in flea markets.

Dubai offers an exciting range of experiences for every budget, whether you’re a backpacker or looking for luxury. On a tighter budget, travelers can expect to spend around AED 250–400 per day, which covers hostel stays, affordable local meals, metro rides, and entry to select attractions. A comfortable mid-range budget of AED 500–800 per day allows for boutique hotels, a mix of casual and fine dining, museum visits, and activities like desert safaris. For those seeking luxury, expect to spend AED 1,000+ daily, enjoying five-star hotels, fine dining, private excursions, and VIP experiences like yacht charters or spa days.

Dining out can be surprisingly affordable, with delicious meals at local shawarma stands or food courts costing as little as AED 15–30, while a full meal at a nice restaurant may range between AED 100–300. Entrance fees for popular attractions like the Burj Khalifa or Dubai Frame typically cost around AED 50–150, and many experiences like beaches or souk explorations are free. Keep in mind, taxis and ride-shares are reasonably priced, but using the metro can significantly stretch your Dirhams. For a memorable trip, factor in optional experiences like desert safaris, day trips to Abu Dhabi, or a dhow dinner cruise. Careful planning lets you enjoy the best of Dubai, no matter your budget!

We recommend booking your flight at least 6-8 weeks in advance for domestic trips and 2-3 months ahead for international travel. If you’re planning to travel during peak seasons or holidays, it’s best to book even earlier to lock in better prices and secure your preferred dates.

We usually bring enough cash to cover small expenses like transportation, tips, and meals- usually around $300-500. We rely on our travel credit cards and don’t really withdraw money from ATMs- only if we run out of cash. We typically carry about $100-$200 in local currency depending on the length and place of stay and then exchange some of our cash at a local currency exchange, if necessary.

We like to convert a small amount of cash before leaving so we’re covered for any initial costs like local transportation or tips. However, we’ve found that exchanging money at our destination usually gives us a better exchange rate. We also make sure to check our credit cards beforehand about any international fees.

We recommend getting travel insurance if you’re on the older side, if you have specific health issues that may cause you to need to change your trip, or if you have a schedule that changes often. Travel insurance is just one of those things that’s better to have and not need than the other way around.

That really depends on where your going. In some countries, tap water is perfectly safe to drink, but in others, we stick to bottled or filtered water just to be safe. We always do a little research before we travel, and when we’re unsure, we opt for bottled water to avoid any health issues.

We like to pack light (though we never do) and focus on the essentials—comfortable clothes, walking shoes, travel-sized toiletries, chargers, and any necessary adapters. We also bring a basic first-aid kit, sunscreen, and paper copies of important documents like our passport and travel insurance details, just in case we can’t find the orginals.

We usually start by checking if our mobile carrier offers international plans. If not, buying a local SIM card or using an eSIM app tends to be a cheaper and more convenient option. We also take advantage of Wi-Fi at hotels, cafés, and airports whenever possible to save on data.

That really depends on where we’re going. We like to research local transportation options ahead of time, whether it’s public transit, ride-sharing apps, renting a car, or walking. In some places, taxis or organized tours are the easiest choice, but in others, buses and trains are much more affordable and efficient.

We try to keep valuables to a minimum when we’re out and about. Important items like passports, extra cash, and important documents usually stay in a hotel safe or a locked suitcase. We also stay aware of our surroundings and avoid flashing valuables in public spaces.

Before we leave, we save key contact information like local emergency numbers, our country’s embassy, and our travel insurance hotline. If something happens, we stay calm, reach out to local authorities if needed, and contact our travel insurance provider for any assistance with medical or travel-related emergencies.