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The short answer
Al Ansari Exchange lets you send from a branch, its online portal, app or kiosks, with an original valid ID such as an Emirates ID or a passport with a valid UAE visa, and its terms say fees and VAT are shown when you start a transaction. However, Nigeria did not appear in the corridor table of its February 2026 remittance key fact statement, so confirm at a branch or in the app that Nigeria, and the payout you want, is offered before you plan around it.
What Al Ansari's own documents say
We read Al Ansari Exchange's remittance key fact statement (version "Feb-26 v.rm.1.01") and its digital channels terms in October 2026. The key points:
- Channels: branches, online portal, app and self-service kiosks.
- ID: "Original valid ID such as UAE National ID or Passport with a valid UAE visa must be provided."
- Digital registration: you must be over 18, a UAE resident with a valid Emirates ID issued by ICP, and show the original at a branch to activate.
- Fees: the terms say fees and charges, with VAT, are displayed when you start a transaction. The fact statement lists fees by corridor, excluding 5% VAT, and a minimum cash pay-out charge of AED 15.00 plus VAT for "all major corridors".
- Claims: a remittance is treated as delivered unless a claim is made within 3 months for cash pay-out or 6 months for a bank transfer.
- Complaints: within 14 days of the transaction, through 600 54 6000 or comments@alansari.ae.
Steps at a branch
- Ask first whether Nigeria is available, by bank transfer, cash pickup or both, and through which partner network.
- Bring your original Emirates ID, or passport with a valid UAE visa.
- Bring the recipient's full name exactly as their Nigerian bank holds it, the bank name and 10-digit account number, or for cash pickup their name as on their ID.
- Ask for the total charge including VAT and the naira amount the recipient will get before you pay.
- Keep the receipt; it carries the reference you need to track, claim or cancel.
Steps in the app
- Register and activate by showing your Emirates ID at a branch.
- Add the recipient and check the destination list for Nigeria.
- Fund from your own account; the terms say "Please use your own account for funding the transactions" and processing starts once funds reach Al Ansari.
- Review the fee, VAT and rate on screen before you confirm. If you chose "Pay at Branch", pay within the time shown.
Working out the cost
The fact statement does not set out an exchange rate margin. So the rate is where most of the hidden cost can sit. Ask the counter for the naira payout figure, check a mid-market rate on your phone at the same time and compare; working out the real cost of an AED to naira transfer shows the sums.
Example with invented figures: you send AED 1,500, the fee is AED 15 plus 5% VAT (AED 0.75), and the quoted rate is ₦390 against a mid-market ₦400. The recipient gets 1,500 x 390 = ₦585,000. At mid-market the same dirhams buy ₦600,000, a gap of ₦15,000, about AED 37.50. Total cost: 37.50 + 15.75 = AED 53.25.
Cancelling or refunding
The fact statement says refunds go back through the original payment method, at the lower of the market buying rate or the transaction rate, excluding sending charges, beneficiary bank deductions and cancellation fees, and only after the correspondent confirms the money was not paid out. For digital transfers, a written request at a branch is needed. See refunds on cancelled UAE to Nigeria transfers; for app limits see the Al Ansari app daily limit.
Where Pryme fits
A recipient with a Pryme account can receive into naira, or into USD, GBP or EUR held with local details, and convert with Swap when they choose; the app shows the rate and the fee before they approve. Sending from Pryme itself uses Send.
Questions people ask
Can I send money to Nigeria with Al Ansari Exchange?
Its February 2026 fact statement did not list Nigeria in its corridor table, so ask at a branch or check the app's destination list before you rely on it.
What ID does Al Ansari ask for?
An original valid ID such as an Emirates ID or a passport with a valid UAE visa, according to its fact statement. The app needs a valid Emirates ID.
How much does Al Ansari charge?
Fees depend on corridor, currency and amount, exclude 5% VAT, and are shown when you start a transaction. No Nigeria fee was published in what we read.
How long do I have to complain about a transfer?
The fact statement says within 14 days of the transaction, via 600 54 6000 or comments@alansari.ae.
Sources
- Al Ansari Exchange: Key Fact Statement, Remittance (Feb-26 v.rm.1.01) · accessed Oct 2026
- Al Ansari Exchange: Digital channels terms and conditions · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.