Global payments
Posted on Aug 22, 2025
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Key Takeaways:
Avoid banks and traditional transfer services that eat into your AED payments with hidden fees and poor exchange rates.
Always use platforms that show the exact INR you’ll get before the transfer, so you know your true earnings.
Get payments settled within 24 hours to maintain cash flow and avoid waiting days for funds.
Use professional AED invoices and secure payment links to make it easy for clients to pay on time.
Choose RBI-compliant, fully digital platforms like Infinity to save money, track payments, and convert at live FX rates.
If you’re a freelancer in India working with a client in Dubai, or a business serving UAE customers, chances are you regularly receive payments in AED (United Arab Emirates Dirham). But, when those payments get converted into INR, you often lose thousands of rupees to hidden charges, bad exchange rates, and slow settlements.
So, how can you avoid losing thousands every time you convert AED to INR? The most reliable and affordable way to convert AED to INR is using digital payment solutions like Infinity, which are built specifically for Indian professionals.
In this article, we’ll guide you how to convert payments from AED to INR.
Challenges With Traditional Payment Methods
Let’s see the three most common methods to convert AED to INR and why they may not be suitable for you:
1. Bank transfer
Traditional banks usually charge a flat transfer fee and SWIFT fees for international wire transfers, which can range between ₹500 and ₹1,200 per transaction. Moreover, some banks convert payments at a 1–2% lower rate than the mid-market rate.
For instance, if you convert 10,000 AED to INR, you could end up losing as much as ₹2,500 just in fees and exchange rate markups.
International payment settlements via banks are also slow and usually take 2–5 business days to reflect in your account.
Read More: How Infinity Works Different From Traditional Banks
2. Money transfer services
Money transfer services like Western Union, PayPal, and others often advertise “zero fee transfers”, but 2–3% markup into the exchange rate. For example, PayPal charges a 4% markup.
Either you or your client frequently ends up paying additional charges at the final stage, making the overall cost higher than it initially appeared to be.
3. Informal routes
Informal routes such as hawala, cash couriers, or personal exchange may seem convenient at first, but they are extremely risky and non-compliant. Under FEMA regulations in India, these methods are illegal and punishable by law.
Beyond the legal risks, you also risk unpredictable payments, potential fraud, and frequent delays with informal payment routes, making them highly unreliable compared to regulated digital platforms.
Read More: Top International Payment Risks (and How to Avoid Them)
What You Should Look Out For in AED to INR Conversions
For most Indian freelancers and businesses working with UAE clients, getting paid isn’t the problem. It’s how much of that payment actually reaches their account in INR. Let’s see what you should look for when converting AED to INR:
Mid-market rate conversion: Look for platforms that offer rates close to the mid-market value so you don’t lose 2–4% to hidden markups.
Guaranteed INR amounts upfront: Choose services that show the exact amount you’ll receive in INR, so you can plan finances accurately.
Fast settlements: Ensure the platform can transfer funds within 24–48 hours to avoid cash flow delays.
Simple invoicing tools: Use systems that let you raise AED invoices and share secure payment links professionally, avoiding inconsistent collections.
RBI-compliant and secure: Always opt for regulated, digital-first platforms instead of risky informal methods to stay compliant and protect your payments.
Multi-currency support: If you work with clients in multiple countries, check whether the platform supports other currencies too, so you can consolidate payments in one place.
Payment tracking and notifications: Choose an international payment platform that sends notifications for when a payment is sent, in transit, or received. This ensures transparency.
Customer support and dispute resolution: Check if the platform has a responsive customer support system to help with payment delays.
How Infinity Solves the AED to INR Problem
Infinity is a cross-border payment platform that helps Indian freelancers and exporters receive international payments in multiple currencies, including AED, USD, GBP, etc.
Here’s how Infinity helps you convert AED to INR at low costs:
Low-cost conversions, near mid-market rates
Infinity charges a flat 0.5% all-inclusive transaction fee with 0% FX markup. That means you save on every transfer compared to banks and PayPal, which add hidden spreads of 2–4%.
Upfront transparency — no hidden surprises
You see the exact INR amount before the transfer completes. For example:
On $1,000 (approx. AED 3,670), Infinity credits ₹87,022.7, while banks give only ₹82,715.3 and PayPal drops even lower to ₹81,862.56.
That’s a ₹4,307.4 gain vs. banks and ₹5,160.14 vs. PayPal.
Use Infinity’s Currency Converter to check the live FX rate and how much you’ll earn after conversion in INR.
Faster settlements
With Infinity, you can receive international payments in your account within 24 hours. This is significantly faster than the 2–5 business days required for traditional bank transfers.
Professional invoicing and payment links
Raise invoices in AED, share secure payment links, and give clients a smooth experience. Payments get settled automatically in INR, without manual conversion.
Easy payment tracking
You can easily track your payment status in real time. Plus, Infinity also enables users to monitor live FX rates and manage invoices all from a clean dashboard. This helps with invoice management and accounting.
Adherence to compliance
Infinity adheres to RBI’s AD-I framework in partnership with Tier 1 banks. It automatically provides FIRA for each transaction, ensuring compliance and legality.
Read More: Why Should You Trust InfinityApp for International Payments
Step-by-Step Process to Convert AED to INR with Infinity
Here’s how you can convert international payments with Infinity.
Step 1: Sign up and complete KYC
Sign up and create an Infinity account. Then, complete the quick KYC process. This ensures compliance with RBI regulations and keeps your payments secure.
Step 2: Note your local virtual account details
Infinity offers you a local virtual bank account in different countries so your clients can easily transfer money. You can find the bank account details, such as beneficiary name, address, and ACH number, on Infinity’s dashboard.
Step 3: Send the invoice to the client
Send the invoice directly to your client via email or chat. Include the virtual bank account details in the invoice or the email.
Step 4: Receive payments in AED
Your client makes the payment in AED, which Infinity receives through its global accounts. No need for you to manage foreign accounts or intermediaries.
Step 5: Converts to INR at live FX rates
Infinity converts the AED amount to INR at near mid-market rates with just a flat 0.5% fee and no hidden markups.
Step 6: Get the amount credited directly to your domestic bank account
Within 1 business day, the converted amount lands in your Indian bank account. You also get real-time updates via your Infinity dashboard.
Tips to Maximise Your AED to INR Payments
Use these tips to save money while converting international payments to INR.
Check the mid-market rate first: Always compare the live AED to INR rate before accepting a transfer. This helps you spot inflated rates from banks or “zero-fee” services.
Avoid hidden markups: A small difference of 1–2% on large transfers can mean thousands lost. Make sure to the check the confirm the rate at which the platform will convert the money
Consolidate payments: If possible, request fewer, larger transfers from your client. This reduces per-transaction costs and settlement charges.
Use professional invoicing: Sending AED invoices or secure payment links not only looks credible but also ensures clients pay on time.
Choose transparent platforms like Infinity: With low fees, upfront INR visibility, and one-day settlements, you’ll consistently get more value for every dirham earned.
Receive International Payments With Infinity
Think of how much time and money you’ve already lost to slow transfers and poor exchange rates? Don’t let traditional banks and money transfer services often eat into your earnings with hidden fees, slow processing, and poor exchange rates.
With Infinity’s low-cost AED to INR conversions, transparent pricing, and one-day settlements you get more of what you’ve earned, faster, and without surprises. Add in professional invoicing tools, RBI-approved compliance, and a fully digital experience, and you have a solution built for the modern freelancer or business.
If you’re still relying on outdated methods, it’s time to switch. The next time you receive AED payments from UAE clients, choose Infinity and turn every dirham into its maximum value in INR.
FAQs on Converting AED to INR
Can I receive AED directly in my Indian bank account?
Yes, you can. However, traditional banks usually take 2–5 business days, deduct hefty service fees, and apply unfavorable exchange rates. This means the final INR you receive is often much lower than expected.
How much does Infinity charge?
Infinity charges a flat 0.5% fee per transaction (all-inclusive). Unlike banks and “zero-fee” providers that hide profits in exchange rate markups, Infinity shows you the exact INR amount upfront before you confirm the transfer.
How fast are settlements?
Infinity ensures same or next-day INR settlements, depending on the time of transaction. Banks, by comparison, often take several days because of SWIFT processing and intermediary bank delays.
Is Infinity safe and compliant?
Absolutely. Infinity works only with RBI-regulated AD-I banks and provides FIRA certificates for every withdrawal. All transactions are processed through secure banking channels, with industry-grade encryption protecting your data.
Can freelancers invoice UAE clients in AED?
Yes. Infinity allows freelancers to create professional invoices in AED and share secure payment links with clients. Clients can pay via multiple methods (bank transfer, card, etc.), while you receive INR directly in your Indian account.
