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How to send money without a bank account in the

UAE

Send money home from the UAE without a bank using low-fee apps and prepaid cards
Last updated: July 01, 2025 | 13:41

Zainab Husain, Features Writer

Discover how UAE expat workers without bank accounts can safely send money home using digital
wallets, prepaid cards, and low-fee remittance apps.Shutterstock

Dubai: In the UAE, not everyone qualifies for a traditional bank account, particularly domestic
workers, freelancers, new arrivals, and blue-collar employees who may not meet minimum salary
requirements. But that doesn’t mean they’re shut out of essential financial services.

International money transfers have become faster and more affordable, with digital platforms now
offering low or even zero transfer fees.

From digital wallets to prepaid cards and remittance apps, underbanked residents have more
options than ever to manage money and send funds home, no bank account needed. Here’s how.

myZoi is a UAE-based fintech designed to promote financial inclusion. Its wallet focuses on
reducing remittance fees for underbanked users.

One unique feature is its 'One-to-Many' transfer option, which lets users send money to up to five
recipients in one go for the cost of a single transaction - ideal for workers supporting multiple family
members.
Other widely used platforms include:

• e& money (formerly Etisalat Wallet): Allows international transfers, bill payments, and
mobile top-ups. No bank account required.

• Botim Pay: Integrated within the Botim app, it supports remittances to India, Pakistan, the
Philippines, Egypt, and more.
• Careem Pay: Built into the Careem super app, this wallet supports international
transfers and is powered by Mastercard Send.

• Payit (by First Abu Dhabi Bank): While operated by a bank, it doesn’t require users to hold a
FAB account. It supports transfers, bill payments, and includes a prepaid Visa card for
everyday use.

Also Read:Best way to remit now, save money: Banks or exchanges, online or mobile apps?
Prepaid and salary cards from exchange houses

https://gulfnews.com/living-in-uae/banking/how-to-send-money-without-a-bank-account-in-the-
uae-1.500183039