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EUR to AED - Rate Guide

Euro to United Arab Emirates Dirham exchange rates aren't all the same.

The total cost you are charged by your bank or foreign exchange provider consists of a margin from the interbank mid-rate plus fees. These margins and fees vary significantly for International Money Transfers and Travel Money transactions as shown below.

 

EUR/AED update & alerts

1 EUR = 4.0746 AED

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EUR to AED - Trading Range (90 Day)
14-DAY HIGH (5d)
EUR/AED 90-DAY TREND: At 4.0751 EUR to AED is trading 0.4% above the average 4.0576 with a range 4.0032 to 4.1037. There are no current alerts.
10 Dec, 2019 16:03-EST 21:03-GMT 08:03-AEDT(+1D)

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EUR/AED Exchange Rates and Providers Compared

This guide to the Euro to United Arab Emirates Dirham exchange rate with 90-day chart & alerts, historic rates, forecasts and EUR to AED comparison tables for foreign transfers and travel money rates and fees on offer by banks and foreign exchange providers. If you want to calculate equivalent amounts in foreign currencies or rate margins then use our EUR/AED Quick Calculator.

Exchange rates can vary significantly depending on the transaction type (transfer, cash or card), currency pair and amount. The below table shows an example of total costs charged by FX specialists and banks for EUR/AED International Money Transfers. Costs are calculated against the current interbank mid-rate.

 
  

EUR to AED International Money Transfers

  

Foreign Transfer ProvidersReceive AED(د.إ)Exchange RateFee EURTotal CostDeal Links
OFX logo
د.إ20,000
Best Overall
40 for BER users (normally $15)1.76%
WorldFirst logo
د.إ20,257
د.إ257 more
4.051400.5%
TorFX logo
د.إ19,980
د.إ20 less
3.99601.86%
HSBC logo
د.إ19,580
د.إ420 less
3.9219€7.53.83%
Deutsche Bank International Money Transfers
Deutsche Bank logo
د.إ19,394
د.إ606 less
3.9179€504.74%
Citibank International Money Transfers
Citibank logo
د.إ19,382
د.إ618 less
3.8858124.8%
Santander International Money Transfers
Santander logo
د.إ19,272
د.إ728 less
3.8698205.34%
Banks - Average Rate
Deutsche Bank logo Santander logo Citibank logo Sparkasse Bank logo HSBC logo Bank of Ireland logo Crédit Agricole logo AIB Bank logo BNP Paribas logo
د.إ19,163
د.إ837 less
3.8588125.87%
Bank of Ireland International Money Transfers
Bank of Ireland logo
د.إ19,156
د.إ844 less
3.8698€505.91%
BNP Paribas International Money Transfers
BNP Paribas logo
د.إ19,047
د.إ953 less
3.8479€506.44%
Crédit Agricole International Money Transfers
Crédit Agricole logo
د.إ19,017
د.إ983 less
3.8418€506.59%
AIB Bank International Money Transfers
AIB Bank logo
د.إ18,937
د.إ1,063 less
3.8257€506.98%
Sparkasse Bank International Money Transfers
Sparkasse Bank logo
د.إ18,686
د.إ1,314 less
3.7485158.22%
 
OFX logo
OFX: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:0 for BER users (normally $15)
Exchange Rate:4.0000 (1.76% from mid-rate)
To Amount (AED) د.إ20,000
Total Cost:1.76%
Time:
Rate Fetched: Tue Dec 10 2019 17:12:13 GMT+0000 (UTC)
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.8/5.0
Reviews:
 
WorldFirst logo
WorldFirst: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:
Exchange Rate:4.0514 (0.5% from mid-rate)
To Amount (AED) د.إ20,257
Total Cost:0.5%
Difference:
د.إ257 AED more than using OFX
Time:18:05 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone, Foreign Currency Accounts
Rating:
 
: 4.6/5.0
Reviews:
 
TorFX logo
TorFX: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:0
Exchange Rate:3.9960 (1.86% from mid-rate)
To Amount (AED) د.إ19,980
Total Cost:1.86%
Difference:
د.إ20 AED less than using OFX
Time:18:05 Local
Transfer Speed:1-2 days
Services:Bank Transfers - Online & Phone
Rating:
 
: 4.7/5.0
Reviews:
 
HSBC logo
HSBC: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:€7.5 EUR (.15%)
Exchange Rate:3.9219 (3.68% from mid-rate)
To Amount (AED) د.إ19,580
Total Cost:3.83%
Difference:
د.إ420 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Deutsche Bank logo
Deutsche Bank: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:€50 EUR (1%)
Exchange Rate:3.9179 (3.78% from mid-rate)
To Amount (AED) د.إ19,394
Total Cost:4.74%
Difference:
د.إ606 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Citibank logo
Citibank: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:12
Exchange Rate:3.8858 (4.57% from mid-rate)
To Amount (AED) د.إ19,382
Total Cost:4.8%
Difference:
د.إ618 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Santander logo
Santander: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:20
Exchange Rate:3.8698 (4.96% from mid-rate)
To Amount (AED) د.إ19,272
Total Cost:5.34%
Difference:
د.إ728 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
 
: 2/5.0
Reviews:
 
Banks - Average Rate
Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:12
Exchange Rate:3.8578 (5.26% from mid-rate)
To Amount (AED) د.إ19,163
Total Cost:5.87%
Difference:
د.إ837 AED less than using OFX
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
 
Bank of Ireland logo
Bank of Ireland: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:€50 EUR (1%)
Exchange Rate:3.8698 (4.96% from mid-rate)
To Amount (AED) د.إ19,156
Total Cost:5.91%
Difference:
د.إ844 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
BNP Paribas logo
BNP Paribas: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:€50 EUR (1%)
Exchange Rate:3.8479 (5.5% from mid-rate)
To Amount (AED) د.إ19,047
Total Cost:6.44%
Difference:
د.إ953 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Crédit Agricole logo
Crédit Agricole: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:€50 EUR (1%)
Exchange Rate:3.8418 (5.65% from mid-rate)
To Amount (AED) د.إ19,017
Total Cost:6.59%
Difference:
د.إ983 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
AIB Bank logo
AIB Bank: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:€50 EUR (1%)
Exchange Rate:3.8257 (6.04% from mid-rate)
To Amount (AED) د.إ18,937
Total Cost:6.98%
Difference:
د.إ1,063 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Sparkasse Bank logo
Sparkasse Bank: Foreign Transfer EUR→AED
From Amount (EUR)€5,000
Fee:15
Exchange Rate:3.7485 (7.94% from mid-rate)
To Amount (AED) د.إ18,686
Total Cost:8.22%
Difference:
د.إ1,314 AED less than using OFX
Time:18:05 Local
Transfer Speed:2-3 days
Services:Online, Branch, Bank Transfers
Rating:
: /5.0
Reviews:
 
Snapshot 12/10/2019 - See full table

Example of the margins and possible savings when you order travel money online with a currency specialist rather than in-person from banks and currency kiosks.

Travel Money ProvidersAmount AED(د.إ)Exchange RateFee EURTotal CostDeal Links
Deutsche Bank Foreign Currency
Deutsche Bank logo
د.إ3,734.92
Compare
3.7918€158.27%
BNP Paribas Foreign Currency
BNP Paribas logo
د.إ3,715.52
د.إ19 less
3.7721€158.75%
Citibank Foreign Currency
Citibank logo
د.إ3,714.98
د.إ20 less
3.7525€108.76%
Travelex Online logo
د.إ3,709.7
د.إ25 less
3.709708.89%
Banks - Average Rate
Deutsche Bank logo Citibank logo Sparkasse Bank logo HSBC logo Bank of Ireland logo Crédit Agricole logo AIB Bank logo BNP Paribas logo
د.إ3,679
د.إ56 less
3.7186€109.65%
Crédit Agricole Foreign Currency
Crédit Agricole logo
د.إ3,676.81
د.إ58 less
3.7328€159.7%
Bank of Ireland Foreign Currency
Bank of Ireland logo
د.إ3,672.11
د.إ63 less
3.7092€109.82%
AIB Bank Foreign Currency
AIB Bank logo
د.إ3,664.39
د.إ71 less
3.7014€1010.01%
Sparkasse Bank Foreign Currency
Sparkasse Bank logo
د.إ3,637.16
د.إ98 less
3.6739€1010.67%
HSBC logo
د.إ3,614.9
د.إ120 less
3.6149011.22%
 
Deutsche Bank logo
Deutsche Bank: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€15 EUR (Minimum fee)
Exchange Rate:3.7918 (6.88% from mid-rate)
To Amount (AED) د.إ3,734.92
Total Cost:8.27%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
BNP Paribas logo
BNP Paribas: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€15 EUR (Minimum fee)
Exchange Rate:3.7721 (7.36% from mid-rate)
To Amount (AED) د.إ3,715.52
Total Cost:8.75%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Citibank logo
Citibank: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€10 EUR (1%)
Exchange Rate:3.7525 (7.84% from mid-rate)
To Amount (AED) د.إ3,714.98
Total Cost:8.76%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Travelex Online logo
Travelex Online: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:undefined
Exchange Rate:3.7097 (8.89% from mid-rate)
To Amount (AED) د.إ3,709.7
Total Cost:8.89%
Time:
Rate Fetched: Tue Dec 10 2019 18:00:05 GMT+0000 (UTC)
Currency Services:FREE Home delivery & Branch pickup
Delivery/Collect:2-3 days
Rating:
 
: 4.3/5.0
Reviews:
 
Banks - Average Rate
Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€10 EUR (1%)
Exchange Rate:3.5953 (11.7% from mid-rate)
To Amount (AED) د.إ3,679
Total Cost:9.65%
Currency Services:Branch
Delivery/Collect:-
 
Crédit Agricole logo
Crédit Agricole: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€15 EUR (Minimum fee)
Exchange Rate:3.7328 (8.33% from mid-rate)
To Amount (AED) د.إ3,676.81
Total Cost:9.7%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Bank of Ireland logo
Bank of Ireland: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€10 EUR (1%)
Exchange Rate:3.7092 (8.91% from mid-rate)
To Amount (AED) د.إ3,672.11
Total Cost:9.82%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
AIB Bank logo
AIB Bank: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€10 EUR (1%)
Exchange Rate:3.7014 (9.1% from mid-rate)
To Amount (AED) د.إ3,664.39
Total Cost:10.01%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Sparkasse Bank logo
Sparkasse Bank: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:€10 EUR (1%)
Exchange Rate:3.6739 (9.77% from mid-rate)
To Amount (AED) د.إ3,637.16
Total Cost:10.67%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
HSBC logo
HSBC: Travel Money EUR→AED
From Amount (EUR)€1,000
Fee:
Exchange Rate:3.6149 (11.22% from mid-rate)
To Amount (AED) د.إ3,614.9
Total Cost:11.22%
Time:18:05 Local
Currency Services:Branch
Delivery/Collect:-
Rating:
: /5.0
Reviews:
 
Snapshot 12/10/2019 - See full table

EUR and AED in the Markets

When determining the best time to make a foreign exchange transaction, in this case the EUR vs AED, you should pay attention to the recent market trends for both currencies.

Euro (EUR)

Euro sentiment dipped in mid-June after the ECB, like other major central banks of the world, ramped up its dovish rhetoric. It said that there was “considerable room” for further quantitative easing and that it would consider negative interest rates. Ordinarily, this would spark an extended euro decline but since other major currencies are also wrestling with easier central bank policies, euro depreciation may be contained.

In spite of Brexit, a slowdown in economic growth, Italian risks and persistently weak inflation — an important measure of inflation expectations fell in June to a record low — the euro did fantastically well against the Australian dollar, New Zealand dollar and British pound between mid-April and mid-June. Due to a stronger US dollar, EUR/USD was down 2 percent on the year at $1.12, close to long-term lows.

Read more in the article EUR Forecasts.

 

United Arab Emirates Dirham (AED)

All the Gulf Cooperation Council (GCC) countries, excluding Kuwait, have their currencies pegged to the US dollar. The UAE dirham has been fixed at a rate of around 3.6725 to $1 since 1997.

Why can't I just get the EUR/AED market rate I see online or in the media?

The mid-rate is the rate you will see quoted online or the news. It is actually just the half-way point (hence mid-rate) between the last rate at which the EUR / AED was traded (bought or sold) in the international markets.

All foreign exchange providers charge a fee for providing their service and this fee is usually contained within the exchange rate margin (or difference to the mid-rate). Some providers such as Transferwise will quote you the mid-rate (or close to) and charge a separate percentage fee.

Getting a good market rate is mainly about timing however the transaction margin you end up being charged can be considerably reduced by around a few percent (of total amount being exchanged) for travel money and possibly over 5% to 6% when sending money. The exact potential savings depends on the currencies being exchanged and the amount you are transferring and if you are willing to shop around.

Our real-time foreign transfer and travel money/cards comparison calculators make shopping around easy and help you calculate how much you can save.

We help you Compare & Save Money on Exchange Rates.

 

View all EUR Exchange Rates