Last reviewed: · Curated by Ohmyfin Organisation editorial.
Over 1.5 million Nepalese workers are based in the UAE, driving substantial remittance flows. Nepal receives nearly USD 9 billion annually in remittances — equivalent to approximately 25% of GDP. AED wires from the UAE route via SWIFT to a Nepalese bank (Nabil Bank, NIC Asia, Everest Bank) or via an Indian correspondent bank. The Nepal Rastra Bank (NRB) requires documentation for inward FX, and the conversion to NPR takes place at the beneficiary bank. Nepal's RTGS infrastructure is less mature than neighbours, so some payments route via correspondent banks in India, adding a day. GPI coverage is improving. Use Ohmyfin to track your UETR.
Settlement path: UAEFTS → NRB SWIFT / correspondent. Currency pair: AED → NPR.
The three most common causes of delay on this corridor are: (1) Nepal Rastra Bank FX documentation requirement, (2) Limited RTGS infrastructure in Nepal routing via correspondent, and (3) AED-to-NPR conversion via USD intermediate step.
If the payment has not arrived within 4 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–Nepal corridor credit the beneficiary within 1 business day. In 95% of cases the payment arrives within 4 business days. The most common delay is nepal rastra bank fx documentation requirement.
The three most common delay causes are: Nepal Rastra Bank FX documentation requirement; Limited RTGS infrastructure in Nepal routing via correspondent; AED-to-NPR conversion via USD intermediate step.
Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 4 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 → NRB SWIFT / correspondent. The currency pair is AED → NPR.
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