Dubai has become a magnet for Ukrainians today: people are buying apartments and villas, setting up companies, and relocating their families. But this also raises a practical question: how to send money safely and conveniently? Bank transfers are often delayed, fees eat up thousands of dollars, and developers demand payment on time. Therefore, an alternative method— hawala and personal transfers— is increasingly being used .
Why aren’t banks always suitable?
-
The translation period may take from 3 to 10 business days.
-
Commissions reach 2–5% of the amount.
-
Documents on the origin of funds are required.
-
Blocks and currency controls are possible.
When it comes to urgent payments for real estate or business, such delays can lead to the collapse of the transaction. Therefore, many are looking for a way to securely transfer funds from Kyiv to Dubai without involving banks.
What is hawala?
Hawala is a money transfer systеm based on trust and a network of intermediaries.
The mechanism is simple:
-
In Kyiv, you hand over cash to an intermediary.
-
His partner in Dubai issues your recipient the equivalent in dirhams or dollars.
-
Later, the intermediaries close the mutual settlements between themselves.
This way, the money does not physically cross the border, and the transfer is carried out quickly and securely.
Transfer from hand to hand
A format similar to hawala is hand-to-hand . It is especially popular among real estate buyers.
The diagram looks like this:
-
in Kyiv you give dollars or euros;
-
In Dubai, your partner or developer receives cash dirhams.
This is a quick and convenient way to make a down payment or pay the full cost of an apartment.
How to safely transfer money from Kyiv to Dubai via hawala?
To ensure a reliable translation, it is important to follow these simple rules:
-
Choose trusted intermediaries with a reputation.
-
Fix the rate and transaction amount in advance.
-
For large amounts, draw up a receipt or agreement.
-
Transfer money in safe places – an office, a cash register, not on the street.
-
Check the payment method in Dubai: cash or bank transfer to the developer’s account.
If these rules are followed, hawala becomes a fast and secure tool for international transfers.
Transfer from hand to hand
A cash transfer is one of the most straightforward and popular ways to send money from Kyiv to Dubai. Essentially, it’s a live cash transfer with on-site conversion into the desired currency.
How does this work in practice?
-
In Kyiv, you hand over cash to the intermediary in hryvnia, dollars, or euros.
-
The intermediary’s partner in Dubai issues the recipient a pre-agreed amount in dirhams.
-
The transfer can take place either at the company’s office or directly to the developer or business partner.
This option is as close as possible to the everyday concept of “money from hand to hand,” only it is built through a network of trusted intermediaries and operates according to clear rules.
Why is this method convenient?
-
Speed. No waiting for bank confirmations, SWIFT payments, or currency exchange controls. The funds are available in Dubai the same day.
-
Simplicity. No certificates, documents, or proof of income required.
-
Flexibility. You can transfer rubles, hryvnias, dollars, or euros and receive ready-made dirhams in Dubai.
-
Direct payments to the developer. This is especially important for real estate transactions: you pay the money in Kyiv, and in Dubai, the intermediary deposits the payment into the developer’s cashier’s office or transfers it to the company’s account.
Hand-to-hand transfers in real estate transactions
Most buyers face the need to pay quickly:
-
first payment when booking an apartment;
-
next installment payment;
-
the full cost of the property.
Even a delay of a few days can lead to a failed deal or the loss of a reservation. Therefore, personal transfers have become a convenient tool specifically for the real estate market.
The intermediary guarantees that the developer in Dubai will receive funds on time and in the required currency. For the client, this means peace of mind and confidence that the contract will be fulfilled without risk.
Security of hand-to-hand transfer
To ensure that such a translation is as reliable as possible, it is important:
-
work only with companies and intermediaries with a proven reputation;
-
fix the rate and amount before transferring the money;
-
for large amounts, draw up a receipt or agreement;
-
Choose official offices or cash desks to transfer cash rather than informal places.
Summary: How to safely transfer money from Kyiv to Dubai
If you need to transfer money for real estate, investments, or personal expenses, the best solution is to use hawala, or direct money transfer. These methods allow you to fulfill your obligations to the developer on time and without unnecessary expenses.
