UAE Bank Exchange Rates Today: FAB, ENBD, BOS, ADIB, DIB vs Central Bank
Buy and sell exchange rates from FAB, ENBD, BOS, ADIB, DIB for 36 currencies, bank by bank, next to the Central Bank of the UAE official rate — 1 INR = 0.03750–0.03984 AED across 5 banks. Updated hourly, free JSON API.
USD / 
AED exchange rates
17 Oct 2026
AED per 1 USD. Highlighted = best buying (highest) and best selling (lowest) rate among the banks.
| Bank | Last updated | Selling | Buying | |
|---|---|---|---|---|
 Central Bank of the UAEOfficial reference rate | 2026-10-16 | 3.6725 official | View | |
 First Abu Dhabi BankFAB | 16 October, 2026 06:00:58 pm | 3.6930 | 3.6530 | View |
 Emirates NBDENBD | 10/17/2026 12:00:05 AM | 3.6870 | 3.6530 | View |
 Bank of SharjahBOS | 17 Oct, 00:09 (read) | 3.6900 | 3.6500 | View |
 Abu Dhabi Islamic BankADIB | 17 Oct, 00:09 (read) | 3.7215 | 3.6180 | View |
 Dubai Islamic BankDIB | 17 Oct, 00:09 (read) | 3.7460 | 3.6000 | View |
Retail board rates as displayed on each bank’s own website when read, indicative only and subject to change without notice. Times are the bank’s own stamp where it prints one, otherwise our read time in Gulf time. For the rate a regulation names, use the Central Bank of the UAE official rate.
Banks in United Arab Emirates
First Abu Dhabi Bank 26 currencies · 16 October, 2026 06:00:58 pm Full board Emirates NBD 35 currencies · 10/17/2026 12:00:05 AM Full board Bank of Sharjah 15 currencies · read 1h ago Full board Abu Dhabi Islamic Bank 13 currencies · read 1h ago Full board Dubai Islamic Bank 27 currencies · read 1h ago Full board About these rates
The dirham is pegged at 3.6725 per US dollar, so every bank quotes USD within a fraction of a percent of the peg; the spread that matters is on the remittance currencies — INR, PKR, PHP, EGP, BDT — where bank boards differ from each other and from the central bank’s rate by a percent or more.
Free JSON API
Keyless and CORS-open, refreshed with every read. Attribution back to allratestoday.com is the only condition.
# Every covered bank in this country, latest board
curl "https://allratestoday.com/api/open/bank-rates/ae"
# One bank, one currency
curl "https://allratestoday.com/api/open/bank-rates/ae/fab?ccy=INR"{
"bank": "fab", "name": "First Abu Dhabi Bank", "quote_ccy": "AED",
"captured_at": "2026-09-22T16:11:18.000Z",
"bank_updated_at": "the bank's own stamp, where its page prints one",
"basis": "which board these rates are, e.g. telegraphic transfer",
"ccy": "USD", "buy": …, "sell": …, "mid": …,
"spread_pct": …, "official": …, "vs_official_pct": …,
"disclaimer": "Retail buy/sell rates as displayed on each bank's own website …"
}Frequently asked questions
What is the difference between a bank’s buying rate and selling rate?
Both are quoted as the local currency per one unit of the foreign currency. The buying rate is what the bank pays you when you hand it foreign currency; the selling rate is what it charges when you buy foreign currency from it. The gap between them is the bank’s spread.
Why do these rates differ from the central bank rate?
The central bank publishes one reference rate per currency per business day. Banks quote around it with a margin and refresh their boards several times a day. The central bank row is the number to use for accounting, tax and customs; the bank rows are what you would get at the counter or in the app.
How often are the bank rates updated?
AllRatesToday reads each bank’s public rates page once an hour and shows the time next to every row. Where the bank prints its own last-updated time, that is shown instead. Banks can change boards between reads, so treat every figure as indicative and confirm with the bank before a transaction.
Can I get these rates through an API?
Yes. The keyless endpoint /api/open/bank-rates/{country} returns every covered bank’s latest board as JSON, and /api/open/bank-rates/{country}/{bank} returns one bank, optionally narrowed with ?ccy=INR. Attribution back to allratestoday.com is the only condition.