Last reviewed: · Curated by Ohmyfin Organisation editorial.
Egypt is one of the UAE's largest expatriate labour sources, with over 1 million Egyptians working across the Emirates in construction, retail, and professional services. AED payments route from UAE banks (Emirates NBD, Abu Dhabi Islamic Bank, Al Rajhi UAE) via SWIFT to an Egyptian bank (National Bank of Egypt, Commercial International Bank, Banque Misr), settling via CBE's NAPS. AED is converted to EGP — subject to CBE's FX allocation framework, which has at times created conversion queues during EGP scarcity. UAE Central Bank applies AML controls. Egypt's high remittance volume (over USD 28 billion annually) means the corridor is well-established. Track your UETR on Ohmyfin.
Settlement path: UAEFTS → NAPS (Central Bank of Egypt). Currency pair: AED → EGP.
The three most common causes of delay on this corridor are: (1) CBE FX allocation constraints during periods of EGP scarcity, (2) AED-to-EGP conversion via USD intermediate step, and (3) UAE Central Bank AML screening on large Egypt-corridor transfers.
If the payment has not arrived within 3 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.
Most SWIFT transfers on the United Arab Emirates–Egypt corridor credit the beneficiary within 12 hours. In 95% of cases the payment arrives within 3 business days. The most common delay is cbe fx allocation constraints during periods of egp scarcity.
The three most common delay causes are: CBE FX allocation constraints during periods of EGP scarcity; AED-to-EGP conversion via USD intermediate step; UAE Central Bank AML screening on large Egypt-corridor transfers.
Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 3 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.
The dominant settlement path is UAEFTS → NAPS (Central Bank of Egypt). The currency pair is AED → EGP.
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