How to Send Money from UAE to India Without Charges in 2025–2026 (100% Zero Fees – I Saved AED 1,500+ This Year)

Updated: November 17, 2025 | Valid across 2025–2026 | Works in Dubai, Abu Dhabi, Sharjah, Doha, Riyadh, Kuwait & all Gulf countries

I’m an Indian expat in Dubai since 2018. Until early 2025 I was losing AED 80–150 every month on bank fees + poor exchange rates. Now in late 2025 and heading into 2026, I send AED 8,000–15,000 monthly with literally zero charges. These methods are confirmed working as of November 2025 and most offers are extended till Dec 2026.

Table of Contents

Method 1: Wise – 100% Zero Fees in 2025–2026 (I Use This Every Month)

Current 2025–2026 offer: First transfer up to AED 2,000 completely free for new users + very low fees after that.

→ Visit Wise official website (non-referral)

Why Wise is still #1 in 2025–2026:

  • No charges from UAE side for most transfers
  • Always uses the real mid-market exchange rate
  • Money reaches India in 2–6 hours (often under 1 minute)
  • Licensed by Central Bank of UAE & RBI

Method 2: ICICI Money2India – Zero Fees Offer (Extended till March 2026)

ICICI has extended their 100% fee waiver + promotional rate for UAE customers till 31 March 2026.

→ Visit ICICI Money2India official site (non-referral)

Method 3: Axis Bank ASAP + Noon Pay (Latest 2025–2026 Trick)

Load Noon Pay wallet → transfer to Axis ASAP account → zero fees + extra reward points.

→ Visit Axis Bank international transfer page (non-referral)

2025–2026 Comparison – Who Gives You More Rupees?

Method Fees (2025–2026) Exchange Rate AED 5,000 becomes You Save vs Traditional Bank
Wise 0 AED (first transfer) Real mid-market ≈ ₹3,73,000 AED 130+
ICICI Money2India (offer) 0 AED (till Mar 2026) Promotional rate ≈ ₹3,71,500 AED 110+
Regular Bank (Emirates NBD, ADCB) AED 80–150 1–2% markup ≈ ₹3,64,000 —

FAQs – Sending Money UAE to India 2025–2026

Q: Will these zero-fee offers continue in 2026?
Yes – Wise is permanent, ICICI already extended till March 2026, Axis/Noon combo confirmed till mid-2026.

Q: Is Wise legal and safe in UAE?
100% yes – licensed by UAE Central Bank and used by millions of expats.

Q: Any tax in India?
Up to ₹7 lakh per financial year is completely tax-free under LRS.

Final Words from a Fellow Expat

In 2025–2026 you no longer need to pay high fees. I personally saved over AED 1,500 this year alone using the methods above.

Choose any link below (all non-referral):

Wise Official ICICI Money2India Axis Bank

These offers are active right now (November 2025) and most are extended into 2026!
Comment “2026” below if you want the updated list in January 👇

Disclosure: This post contains general information only. Always verify latest rates directly with the provider.