If you’re in the UAE and want to transfer money to a Ukrainian bank card in dirhams, unfortunately, there’s no direct way. Banks in Ukraine only accept hryvnia, dollars, or euros, so a workaround is needed. But don’t worry—there are proven options that actually work: hawala and cryptocurrency .
Hawala: a fast and reliable way
Hawala is an old and proven method of transferring money through intermediaries. Essentially, you transfer money to one person in the UAE, and another person in Ukraine deposits it into your card in hryvnia or another currency.
How does this work:
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You transfer dirhams to an intermediary in Dubai.
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His partner in Ukraine credits the equivalent to your card.
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The money appears on the card within a day or the next day at the latest.
Pros:
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Speed - money arrives on your card quickly.
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Large amounts – you can transfer tens of thousands of dollars.
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Direct deposit – no need to search for banks that accept dirhams.
Cons: You need to choose a trusted broker and fix the rate in advance to avoid surprises.
Example: You transfer 50,000 dirhams to a broker in Dubai, and within a few hours you already have the equivalent in hryvnia on your card in Ukraine.
Cryptocurrency: A Modern Online Option
If you’re into crypto, here’s another option. The idea is simple:
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Exchange dirhams for a stable cryptocurrency (such as USDT) through an exchanger in the UAE.
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Transfer your crypto to a platform that allows you to withdraw funds to a Ukrainian bank card.
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Conversion into hryvnia and crediting to the card takes place online.
Pros:
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Everything is online, without any fuss.
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It is possible to transfer large amounts.
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Possibility to control the exchange rate through the exchanger.
Cons: You need to understand how crypto works, take exchange rate fluctuations into account, and check the platform for card withdrawals.
Tips on how to safely top up your Ukrainian bank card
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Work only with trusted intermediaries or platforms.
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Fix the rate and amount in advance, especially for large transfers.
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For large amounts, it is better to draw up a receipt or agreement.
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For crypto, choose reliable exchanges and services that support withdrawals to Ukrainian cards.
Result
Want to transfer dirhams to a Ukrainian bank card? The best and fastest way is hawala . If you’re comfortable doing everything online and are familiar with crypto, you can use USDT or another stable cryptocurrency .
Both options allow you to bypass direct conversion through a bank, save time and fees, and, most importantly, transfer money securely.
