The UAE has rapidly transformed into a top cashless travel destination, offering seamless digital payment options for tourists. From shopping malls in Dubai to cultural spots in Abu Dhabi, you can pay with a simple tap or scan. With wide card acceptance and smart wallet apps, spending in the Emirates is now easier than ever.
From high-end malls in Dubai to heritage sites in Abu Dhabi, the United Arab Emirates (UAE) is fast becoming one of the most cashless-friendly travel destinations in the world. With near-universal card acceptance and widespread use of mobile wallets, tourists can now pay almost anywhere in the country with just a tap, scan, or swipe.
Whether you're hailing a taxi, dining at a restaurant, booking a desert safari, or shopping at world-famous retail hubs, cashless transactions are the norm — making it easier and safer for visitors to manage their expenses while exploring the Emirates.
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In the UAE, credit and debit cards are accepted at the vast majority of outlets, including hotels, retail stores, public transport services, and attractions. Major international card networks like Visa and Mastercard dominate the payments scene, though American Express (Amex) is also supported at many locations.
To avoid unnecessary charges, visitors are advised to choose to pay in UAE dirhams (AED) rather than their home currency when prompted at checkout. This ensures better exchange rates and eliminates additional conversion fees. Travellers should also inform their bank before traveling to avoid their cards being flagged or blocked due to "suspicious" foreign transactions.
The UAE has fully embraced contactless payment technology, with NFC-enabled terminals widespread across the country. Whether you’re paying with your phone, smartwatch, or a physical card, you’ll find the process smooth and fast.
Several global mobile payment apps work seamlessly in the UAE:
Pro tip: Tourists are encouraged to set up their mobile wallets before arriving in the country to ensure quick access to tap-and-go payments. Look for the universal wave symbol at checkouts to know where contactless payments are accepted.
In addition to international payment methods, the UAE has several homegrown digital wallets that offer local perks, convenience, and exclusive discounts. While some features require a UAE mobile number or Emirates ID, many still offer functionality for short-term visitors:
Many travellers prefer using prepaid travel cards for added control over their budgets and better security. These cards are widely available from UAE money exchange outlets like Al Ansari Exchange and Al Fardan Exchange, and include popular products such as TravelCard and Travelez Plus.
Advantages of prepaid travel cards include:
These cards are especially useful for those who want to avoid carrying large amounts of cash or want to set spending limits for specific trips.
Although the UAE is largely cashless, carrying a small amount of local currency is still recommended. Some smaller vendors — such as souks, street stalls, small cafés, or local taxis — may prefer or only accept cash.
Tourists can exchange money at licensed outlets in malls, airports, or shopping areas. It’s best to avoid exchanging currency at hotels, as the rates tend to be less favorable. ATMs are widely available across the country and support most international Visa and Mastercard debit/credit cards. Withdrawal limits generally range up to AED 5,000 per day.
To minimize ATM fees, it’s advisable to withdraw larger amounts less frequently and check with your home bank regarding international transaction charges.
With its widespread acceptance of international cards, support for contactless payments, and a growing range of digital wallets, the UAE offers tourists a seamless, secure, and convenient payment experience. Whether you're checking into a hotel, shopping in a luxury mall, exploring cultural landmarks, or catching a ride via Careem, you can leave your cash at the hotel and simply tap, scan, or swipe your way through the Emirates.
Travellers are encouraged to set up digital wallets in advance, carry a little cash for back-up, and consider using local payment apps or prepaid cards to unlock added convenience and exclusive local offers. With this level of accessibility, the UAE continues to lead the region in smart tourism and digital innovation — making every transaction a smoother part of the travel experience.
