What FX rates are applicable?

Local (UAE-based) Debit Cards: For local AED transfers, we offer the same competitive rates as we always have. Your funds are converted from AED to USD at 3.6823; a rate that is cheaper than what most UAE banks offer! You can read more about the FX rates here

International Debit Cards: International cards are charged in USD. Therefore the conversion from the source currency to USD is processed by your bank and dependent on their rates. You will incur no additional FX rates from Sarwa.

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