Sending money from the UAE to Jordan: the payments stack
Sending AED 735 from the UAE to Jordan cost 5.16% of the amount on average in Q3 2025, across 6 services in the World Bank's Remittance Prices Worldwide survey. Payouts in Jordan typically run over CliQ, JoMoPay; between now and the end of 2027 there are 4 weekdays when banks in the UAE are closed but Jordan keeps paying out, so the payout balance has to be funded before them.
| Average cost to send | 5.16% of AED 735 (Q3 2025, World Bank RPW) source |
| Money transfer operators | 5.16% across 6 services |
| Collect in UAE | Aani, UAEFTS, IPI (Immediate Payment Instruction), UAEDDS (UAE Direct Debit System) |
| Pay out in Jordan | CliQ, JoMoPay, RTGS-JO, ACH-JO |
What it costs to send AED 735
The World Bank surveyed 6 services sending from the UAE to Jordan from 15 August 2025 to 22 August 2025. The average total cost, fees plus the FX margin, was 5.16% of the amount sent; money transfer operators averaged 5.16%. source
Bank and operator averages are worked out from the survey's provider types.
The send side: the UAE
- Under the Exchange Business Regulation (Circular 7/2025, effective 26 June 2025) a Category I licence covers currency exchange, remittances and WPS salary processing, Category II covers currency exchange and remittances, Category III currency exchange only, and Category IV remittances through digital channels only, with no cash-in or cash-out and currency conversion only within the digital remittance. source
- Exchange businesses that are limited liability companies need minimum paid-up capital of AED 25 million and a bank guarantee to the CBUAE of AED 50 million for Categories I to III or AED 25 million for Category IV; a Category IV licensee must be a limited liability company, and the CBUAE can allow 100% non-UAE ownership for that category. source
- The Retail Payment Services and Card Schemes Regulation (Circular 15/2021) has four licence categories; cross-border fund transfer services are available under Category I and Category II, Category I adds payment token services, and Category IV covers payment initiation and account information services. source
Licences, sponsor banks, collections, ramps and KYC providers: sending from the UAE.
The payout side: Jordan
| Payout partner | What it does in Jordan | Source |
|---|---|---|
| TerraPay · our guide | Its network page lists Jordan (JOD) as a receive market for bank payouts. | source |
| Thunes · our guide | Its Direct Global Network page lists Jordan for payouts to bank accounts. | source |
| dLocal · our guide | Payouts API sends JOD- or USD-funded payouts to Jordanian bank accounts by IBAN and instant wallet transfers by mobile number or alias, with wallets including Dinarak and Orange Money, for B2C, B2B and P2P flows. | source |
| Nium · our guide | Sends foreign-currency wire transfers in USD, EUR, GBP and seven other currencies to all SWIFT-enabled banks in Jordan for B2B, B2P, P2P and P2B flows, processed same day subject to a 07:30 UTC cut-off, and lists Visa Direct card payouts in JOD. | source |
| Orange Money | Orange Jordan's CBJ-licensed e-wallet sends and receives Western Union transfers in its app, in cooperation with Musharbash Exchange, crediting incoming transfers to the wallet. | source |
Licensing, local banks, stablecoin ramps, FX and KYC in Jordan: launching payments in Jordan.
Payout rails in Jordan
| Rail | Operator | What matters for payouts | Source |
|---|---|---|---|
| CliQ | Jordan Payments and Clearing Company (JoPACC) | Instant transfers in Jordanian dinars inside Jordan, between bank accounts and between bank accounts and mobile wallets, addressed by alias, mobile number or email; every bank in Jordan except Al Rafidain Bank is connected. | source |
| JoMoPay | Jordan Payments and Clearing Company (JoPACC) | Mobile payment switch launched in 2014 for transfers between licensed e-wallets; its 2021 upgrade to ISO 20022 enabled instant transfers between wallets and bank accounts. | source |
| RTGS-JO | Central Bank of Jordan | Real-time gross settlement in central bank money, with overdrafts prohibited, that also settles the net clearing positions of ACH, eFAWATEERcom, JoMoPay and the card switches. Participation is compulsory for all licensed banks. | source |
| ACH-JO | JoPACC, settled in RTGS-JO | From 4 January 2026 the automated clearing house runs three sessions closing at 10:30, 13:00 and 15:30, while the RTGS-JO exchange period runs 08:30 to 16:00 and the liquidity period 16:00 to 16:30. | source |
Holiday gaps to plan for, to December 2027
Weekdays when one side of the corridor is closed. On the 4 dates when the UAE is closed and Jordan is open, the payout balance has to already hold enough to cover them. On the 4 dates when Jordan is closed, instant rails may still pay out.
| Date | UAE | Jordan | What it means |
|---|---|---|---|
| Wed 2 Dec 2026 | National Day (Eid Al Etihad) | Open | Prefund Jordan the day before: no funding from the UAE, payouts continue |
| Thu 3 Dec 2026 | National Day (second day) | Open | Prefund Jordan the day before: no funding from the UAE, payouts continue |
| Fri 25 Dec 2026 | Open | Christmas Day | Jordan banks closed: only always-on rails pay out |
| Fri 1 Jan 2027 | New Year's Day | New Year's Day | Both closed |
| Tue 9 Mar 2027 | Eid Al Fitr (Ramadan 30 or Eid day 1) | Eid al-Fitr (day 1) | Both closed |
| Wed 10 Mar 2027 | Eid Al Fitr | Eid al-Fitr (day 2) | Both closed |
| Thu 11 Mar 2027 | Eid Al Fitr | Eid al-Fitr (day 3) | Both closed |
| Fri 12 Mar 2027 | Open | Eid al-Fitr (day 4) | Jordan banks closed: only always-on rails pay out |
| Mon 17 May 2027 | Eid Al Adha (day 2) | Eid al-Adha (day 2) | Both closed |
| Tue 18 May 2027 | Eid Al Adha (day 3) | Eid al-Adha (day 3) | Both closed |
| Wed 19 May 2027 | Open | Eid al-Adha (day 4) | Jordan banks closed: only always-on rails pay out |
| Tue 25 May 2027 | Open | Independence Day | Jordan banks closed: only always-on rails pay out |
| Thu 2 Dec 2027 | National Day (Eid Al Etihad) | Open | Prefund Jordan the day before: no funding from the UAE, payouts continue |
| Fri 3 Dec 2027 | National Day (second day) | Open | Prefund Jordan the day before: no funding from the UAE, payouts continue |
Full calendars: United Arab Emirates and Jordan. Size the buffer with the corridor runway calculator.
Funding the corridor
- First Abu Dhabi Bank moved its UAE offices to a Monday to Friday working week with a Saturday and Sunday weekend from 3 January 2022, following UAE Government and CBUAE guidelines, in line with the federal government's Saturday and Sunday weekend. source
- Islamic public holidays (Eid Al Fitr, Arafah Day, Eid Al Adha, Hijri New Year and the Prophet's birthday) are set by moon sighting, and under Cabinet Resolution No. 27 of 2024 a public holiday is not moved when it falls on a weekend or another holiday; National Day is 2 and 3 December. source
- Jordanian banks work Sunday to Thursday, 08:00 to 15:30 local time, so Friday and Saturday are non-banking days; the CBJ's 2026 list includes Eid al-Adha (five days from 26 May) and Independence Day (25 May), with Islamic holiday dates marked as approximate. source
- From 4 January 2026 RTGS-JO accepts interbank transfers from 08:30 to 16:00, and the CliQ and JoMoPay clearing sessions close at 09:00, 13:00 and 15:15, with a commission session at 15:25. source
- CliQ runs 24/7 with a maximum of JOD 10,000 per transaction, and participating banks can set lower or daily limits. source
Running the corridor
Polynopsis shows every balance on both sides of this corridor in one live position: the collection accounts in UAE, the payout partners and banks in Jordan and any stablecoin in between. It warns before the Jordan balance runs dry, holidays included. See how it works.
Frequently asked questions
How much does it cost to send money from the UAE to Jordan?
The World Bank's survey put the average total cost of sending AED 735 at 5.16% in Q3 2025, across 6 services. Money transfer operators averaged 5.16%.
Which rails pay out in Jordan?
Local payouts run over CliQ, JoMoPay, RTGS-JO, ACH-JO.
When do I need to prefund Jordan payouts ahead of holidays?
Between now and December 2027 there are 4 weekdays when the UAE is closed and Jordan is open, the first on Wed 2 Dec 2026. The payout balance has to cover those days before they start.
Related corridors
Sources
- World Bank, Remittance Prices Worldwide dataset · World Bank
- Cabinet Resolution No. (27) of 2024 Concerning the Public Holidays in the State · UAE Legislation
- Public holidays · The Official Portal of the UAE Government
- Banks Holidays 2026 · Central Bank of Jordan
- Banks Holidays 2025 · Central Bank of Jordan
Know where all your money is.
Polynopsis gives cross-border payment teams one live position across every bank, payout partner, exchange and wallet, including money in flight, and warns before a corridor runs dry.
About Polynopsis
Polynopsis is liquidity management software for cross-border payment companies. The name joins poly, many, and synopsis, a seeing together: one live view of money spread across many banks, payout partners, exchanges and stablecoin wallets, including money in flight, with a warning before any corridor runs dry.
Why it is called Polynopsis · About Polynopsis · Glossary · Corridor runway calculator