When it comes to transferring money abroad, especially to Dubai, many people encounter various terms: cash-to-cash, hawala, and stol v stol. One of them is “currency swapping.” This may sound unusual to a beginner, but in practice, the systеm is simple, convenient, and has long been used by businesses and individuals.
What is currency reversal?
A “rear-end” is a method of exchange where the money doesn’t physically cross a border or go through a bank. Essentially, it’s a “mirror” exchange: you give rubles or hryvnias in your home country, and your partner receives the equivalent in dirhams in the UAE.
Simply put, if you live in Moscow or Kyiv, you don’t need to carry cash across the border, find an exchange office, or open a bank account. You simply hand over the money to the operator at home, and they “transfer” it to Dubai, where another representative issues the cash to your partner.
How is this different from a regular exchange?
A classic currency exchange is a bank or exchange office. You bring rubles or hryvnias and receive dollars, euros, or dirhams. Everything happens in one place and at the same time.
A permutation works differently: the money essentially “swapped” between the two countries. You deposit funds in one location and receive or lend them to your partner in another.
The main difference:
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with a regular exchange, the currency is issued immediately at the place where you are;
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When you swap, you receive currency in another country, but the original amount remains in your country.
This is why relocation is so popular among those buying property in Dubai or working with business partners in the Emirates.
Benefits of rearrangement
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Speed. No more waiting for bank transfers via SWIFT, which can take weeks. Money can be received in Dubai on the same day.
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Convenience. No need to cross the border with large sums of cash and explain its origin.
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Flexibility. You can work with rubles, hryvnias, and receive dirhams immediately.
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Current exchange rate. The exchange rate is usually fixed in advance, which is convenient for large transactions.
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Accessibility. No bank account, resident visa, or complex paperwork required.
Where is permutation most often used?
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Buying real estate. In Dubai, it’s common to pay in dirhams, and a currency exchange is a convenient way to convert rubles or hryvnias into the desired currency.
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Business transactions. Companies from Russia and Ukraine pay their partners in the UAE this way to avoid delays.
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Personal transfers. For example, if you need to help relatives or pay rent.
Why do people choose to rearrange?
Many note that currency exchange in Dubai has become popular because it’s a reliable and proven method. Thousands of investors already use this scheme, as it saves time and reduces the risks associated with transporting cash or bank transfer blockages.
Result
Currency exchange is a modern tool that replaces traditional currency exchange and bank transfers. Its main advantage is convenience: rubles or hryvnias remain in your country, while your partner in Dubai receives dirhams quickly and without any hassle. This is why currency exchange has become a standard solution for those working with the UAE.
