How to design international transfers for expats in UAE

International transfers have become an essential part of everyday financial routines for expats in the UAE. In recent years, expats in the UAE have found themselves in a favorable economic situation due to shifts in the global currency market and the growth of digital financial services. The weakening of Asian currencies alongside the stability of the dirham has made digital channels increasingly popular for international money transfers.

This trend is particularly evident among expats from India, Pakistan, Nepal, and Bangladesh, for whom remittances are a key part of their financial planning. Digital platforms are becoming the preferred method for sending money due to their speed, convenience, and lower costs compared to traditional banking services.

However, mobile banks in the UAE still face challenges in this area and have room for improvement.

Boosting international transfers: How UX can drive engagement and revenue

From May 20-22 at Seamless Fintech Middle East 2025, we’ll share insights on how banks can increase expat engagement in international transfers and leverage UX improvements to drive transaction volumes.

How can UX increase international transfers?

  • Higher conversion rates – Simplified, intuitive flows reduce drop-offs during the transfer process.
  • Increased transaction frequency – A seamless experience encourages users to rely on the bank for transfers instead of third-party services.
  • Better transparency = higher trust – Clear fee structures and real-time exchange rates build confidence and retention.
  • Faster transaction completion – Reducing manual inputs and approval wait times keeps users engaged.

Join us at Seamless 2025 to explore practical UX solutions that increase transfer volumes and improve customer loyalty.

See you in Dubai World Trade Centre!

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The UX challenges of international transfers in UAE mobile banking

Our Mobile Banking Review UAE 2024 revealed key UX pain points in mobile banking transfer processes that complicate the user journey:

  • Complicated recipient details entry .
  • Cluttered fee and limit displays.
  • Delays due to approval time.

Why expats prefer non-banking apps for international transfers

Due to these friction points, many expatriates turn to alternative services like Al-Ansari Exchange or digital wallets such as Tap-Tap for international transfers.

Expats in our study reported frustration with hidden fees, unclear transaction timelines, and excessive manual inputs in bank apps, leading them to switch to alternative providers.

“I only use an exchange service because it’s simpler and cheaper than my bank.” – Muhammad, expat from Pakistan

“I rely on a payments app because my bank’s transfer rates aren’t competitive.” – Abigail, expat from Nigeria

International Bank Transfers in UAE International Bank Transfers in UAE International Bank Transfers in UAE

How top digital banks solve international transfer challenges

Leading banks worldwide have already tackled key UX issues in international transfers—streamlining processes, improving transparency, and offering flexible transfer options.

At Seamless Fintech Middle East 2025, we’ll break down best practices from global leaders and show how UAE banks can apply these insights to increase transfer volumes and user retention.

Join our masterclass to learn how UX improvements can reduce friction, enhance transparency, and speed up transactions—helping banks stay competitive in the fast-growing remittance market.

Want to see more insights and practical recommendations?

Check out the Mobile Banking Review UAE 2024.

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