Dubai for Visitors

Obtaining cash and using credit cards are easy in Dubai, but there are a few things you should know before you stick your wallet in your pocket and head for Dubai.

Getting money from ATMs or cashpoints

Your best source of cash in Dubai is an automated teller machine (ATM) or cashpoint. You’ll find ATMs on banks, post offices and shopping mall all over Dubai, and most of them have step-by-step instructions in your choice of English and Arabic languages.

Here’s our advice on using ATMs:

• Before leaving home, tell your bank that you’ll be visiting Dubai. (In the U.S. especially, some banks–even large ones–disallow foreign transactions for security reasons unless they’ve been notified ahead of time.)
• Be prepared to use a four-digit numberic PIN. If your bank uses a six-digit PIN or a combination of letters and numbers, ask the bank to change your PIN or to provide instructions for using your ATM card overseas.
• You’ll nearly always pay a small transaction fee on cash withdrawals outside your bank’s ATM network. What you may not know is that many banks have foreign-exchange surcharges of up to 5 percent on overseas cash withdrawals. If your bank has such a policy, you may want to change banks.
• We advise carrying ATM cards for more than two different banks, just in case one of your cards doesn’t work. Also, look for an ATM before you run out of cash, because it can be frustrating to encounter a “network link down” error message when you’re wallet is empty.

Currency exchange

ATMs nearly always have better rates than currency-exchange offices and hotel reception desks. You will find currency exchange offices almost every shopping mall and shopping bazar. If you have US$ or £GBP or Euro these currencies are very easy to exchange in Dubai.

If you insist on exchanging cash or traveler’s checks, try to limit the amount, because changing money back into your own currency at the end of your will mean yet another exchange commission.

Using credit cards in Dubai

Visa and MasterCard are accepted by most shops and restaurants, though smaller merchants, some neighborhood restaurants or bars, and street vendors may not take credit cards. (Also, restaurant tips are normally given in cash.) American Express is accepted at higher-end shopping mall and restaurants that cater to tourists.

Warnings:

• Many credit-card companies now impose surcharges on foreign transactions, and these surcharges can range from 2 to 4 percent or more. If you have several credit cards, learn which one has the lowest surcharge, and use that card for your trip.

• Some credit-card issuers decline foreign transactions unless you’ve notified the company of your travel plans ahead of time. It’s a good idea to call the toll-free number on the back of your card before leaving home, just to make sure that your card will be honored while you’re abroad.

• Many Dubai card-operated gasoline pumps, and other vending devices require modern “smart cards” with embedded microchips. If you have an old-fashioned card with only a magnetic stripe (the kind used by most American credit-card companies), don’t be surprised if machines refuse your card. The good news is that you’ll still be able to use your card in hotels, restaurants, and shops.

Dubai is safe place to use your credit card because Governement of Dubai is very strict on any Credit Card fraud or Cyber crime.