01
Choose how the money should arrive
Bank account, mobile wallet or cash pickup: choose a method your recipient can access.
A first transfer guide
Sending money online for the first time
Knowing what to expect can make your first online money transfer feel easier. We’ll show you what to prepare and what to check before you send.
Last reviewed: September 2026
Before you begin
Have the right details ready
Requirements vary, but most providers will ask for three things.
Your details
Enter your name exactly as it appears on your ID. A mismatch can delay verification and may take time to correct.
Recipient details
Their correct name and bank, wallet or cash-pickup information.
A way to pay
A payment method accepted by the provider.
Your first transfer
What happens when you send online
02
Enter the amount and compare the result
Check how much you will pay and how much your recipient is expected to receive. Both the fee and exchange rate can affect the final amount.
03
Check every recipient detail
Confirm the destination and account or wallet information. The recipient’s name should match the ID they may need to show.
04
Review the provider’s final quote
Check the final cost, recipient amount, receiving method and estimated delivery time.
05
Pay and follow the transfer
Pay directly with the provider, keep the receipt and use its updates to track the transfer.
Understand the amount
Four numbers to check before you send
The visible fee is only one part of the transfer.
You pay
The total amount leaving your account.
Transfer fee
The provider’s visible charge for sending the money.
Exchange rate
The rate used to convert AED into the recipient currency.
Recipient gets
The estimated amount after the displayed rate and fee.
A low fee does not always mean a lower overall cost. Part of the cost can be included in a less favourable exchange rate.
A simple example
You want to send 1,000 AED and the provider quotes an exchange rate of 1 AED = 24.00 INR with a 10 AED transfer fee.
- You pay
- 1,010 AED
- Transfer fee
- 10 AED
- Exchange rate
- 1 AED = 24.00 INR
- Recipient gets
- 24,000 INR
This is a simplified example, not a live exchange rate. Providers may calculate fees differently, so check the final quote before confirming.
Pause and check
Stop before sending if something feels wrong
Online transfers can be difficult to reverse. Take extra care if:
- Someone is pressuring you to send immediately.
- You do not know or trust the recipient.
- The recipient’s payment details have suddenly changed.
- Someone asks for your password, PIN or verification code.
Ready to explore your options?
Choose where you are sending money
Frequently asked questions
What do I need to send money online?
You will normally need to identify yourself, provide accurate recipient information and use a payment method accepted by the provider. Requirements can vary, so check them before starting.
How does my recipient receive the money?
Depending on the provider and destination, the money may arrive in a bank account, mobile wallet or be available for cash pickup. Confirm that your recipient can use the selected method.
Can I cancel an online money transfer?
Cancellation depends on the provider and the transfer status. Contact the provider immediately if you notice a problem, but do not assume that a completed transfer can be reversed.
Does RemitNavigator send or hold my money?
No. RemitNavigator presents provider information for comparison purposes. You review the final quote and complete the transfer directly with the provider you choose.