The United Arab Emirates (UAE) has long been a magnet for expats due to its thriving economy, modern infrastructure, and tax-free income. Comprising seven emirates—Abu Dhabi, Ajman, Dubai, Fujairah, Ras al-Khaimah, Sharjah, and Umm al-Quwain—the country offers a wide range of living experiences, from bustling cosmopolitan hubs to serene coastal towns. Most expats tend to settle in Abu Dhabi or Dubai, where opportunities and amenities are abundant.
Expat Life in the United Arab Emirates
The UAE boasts a large expat community, making it relatively easy to adapt to life here. Western-style living is common in major cities, with English widely spoken. While Dubai and Abu Dhabi feature international schools, global cuisines, and Western-style nightlife, it’s important to remember that the United Arab Emirates remains rooted in Islamic traditions. The official language is Arabic, and Islam is the state religion. Respect for local customs is not just polite—it’s expected.
Moving Checklist
- Secure a job and visa before relocating
- Check customs regulations and plan your shipment
- Arrange temporary accommodation for your first weeks
- Convert some currency and research banking options
- Investigate schools if you have children
- Purchase health insurance
United Arab Emirates Work Permits and Visas
Unless you hold a UAE passport, you’ll need a visa to work. Typically, your employer will handle the process through the Ministry of Human Resources and Emiratisation (MoHRE). You’ll begin with a 60-day Work Visa, which allows you to start working while you secure a residency visa and complete a health check. Residency visas are valid for two to three years and come with a labour card.
Additional Visa Options
Many nationalities can enter the UAE for 30 to 90 days on a tourist visa. For longer stays, you’ll need a residency visa. If you’re relocating for work, you can later sponsor family members for their visas.
Customs and Import Regulations
Each emirate enforces its own version of the Federal Customs Authority’s guidelines. While weapons and narcotics are universally banned, other restrictions are culturally specific. Items such as goods from Israel, materials deemed offensive to Islam, and homemade food are prohibited. Declare valuables over AED 100,000 and check the FCA website for more.
Job Market Overview
United Arab Emirates Key Industries
Top sectors for expats include:
- Oil and gas
- Construction and engineering
- Retail
- Advertising and media
- Manufacturing
- Tech and digital roles
There’s also high demand for tax managers and data specialists. Emiratisation policies aim to prioritize local hires, so it’s crucial to secure a job before relocating.
United Arab Emirates Income and Salaries
The average expat salary is around $138,000 annually, with many reporting higher disposable income due to the lack of income tax. Top earners include lawyers, civil engineers, and C-level executives, with salaries reaching AED 90,000–106,000 per month.
Job Search Platforms
- Bayt
- Gulf Talent
- Monster Gulf
- Indeed UAE
- UAE government job portals
Language and Communication
Arabic is the official language, but English is spoken widely. This makes daily life and work more accessible for expats. Learning basic Arabic is appreciated and can be a helpful asset in both social and professional settings.
United Arab Emirates Financial Overview
Cost of Living
Living in the UAE is not cheap, but high salaries and no income tax balance it out. Average monthly household expenses are AED 11,241. Housing takes up the largest portion of spending, followed by food and transport.
Currency
The local currency is the Emirati dirham (AED). Conversion rates are roughly:
- 1 USD = 3.67 AED
- 1 GBP = 4.64 AED
- 1 EUR = 4.02 AED
Banking
Banks are regulated by the United Arab Emirates Central Bank. Major players include Emirates NBD, First Gulf Bank, and international institutions like HSBC and Citibank. Open a local account soon after arrival for salary deposits and utility payments.
Sending Money Abroad
While banks offer international transfers, services like Wise (formerly TransferWise) and XE often have better rates and lower fees.
United Arab Emirates Taxation
There is no income tax in the United Arab Emirates, but be aware of potential tax obligations in your home country. VAT is applicable on goods and services, and property transactions may incur taxes or fees.
Housing and Real Estate
Renting
Most expats rent, with annual contracts paid quarterly or in advance. Apartment complexes often include gyms, pools, and parking. Expect to pay AED 7,000–8,000 monthly for a furnished apartment.
Buying
Buying is viable if staying long-term. A 25% down payment is required for properties under AED 5 million. Add transaction fees and commissions to your budget. Property prices have dropped recently, making now a good time to invest if you can afford the deposit.
United Arab Emirates Healthcare System
The UAE offers excellent healthcare, but it’s not free. Insurance is mandatory and sometimes provided by employers. Ensure your policy meets local requirements, particularly if applying for residency.
Internet and Mobile Connectivity
UAE boasts high-speed internet in over 90% of homes. Popular providers are Etisalat and Du. SIM cards are easy to acquire, even at the airport. Be aware of restrictions on VoIP services like FaceTime or Skype.
Utilities
In Abu Dhabi, services are managed by ADDC; in Dubai, it’s DEWA. Electricity runs at 240V. Tap water is safe in major cities but often filtered. Bills are typically paid monthly and can be settled online.
Postal Services
There’s no door-to-door postal system. Most people use P.O. Boxes, though courier services and personalized delivery options are becoming more common.
United Arab Emirates Education and Schools
Most expat children attend private international schools. Popular curriculums include British, American, and IB. Schools are well-rated but expensive. Enroll early due to high demand.
Bringing Pets
You can bring up to two pets, provided they are microchipped, vaccinated, and have an import permit. Services like Links Moving can help with pet relocation.
Transportation
Public Transport
Dubai has a metro and tram system. Other emirates rely on buses and taxis. Nol (Dubai), Hafilat (Abu Dhabi), and Sayer (Sharjah) cards make public transport payments easy.
United Arab Emirates Driving
The road system is excellent. Expats can drive with a UAE or international license. Buying a car is cheaper and easier than importing. Note: there’s a 5% tax on car purchases.
The Emirati Dirham
Introduced in 1973, the AED replaced earlier currencies like the Bahraini Dinar and the Qatar-Dubai Riyal. Coins are issued in denominations of 1, 25, and 50 fils, though 1, 5, and 10 fils coins are rarely used. Banknotes range from AED 5 to AED 1,000, featuring landmarks and anti-counterfeiting watermarks.
The United Arab Emirates Central Bank also issues commemorative coins to mark national achievements. Misusing or mocking the currency can result in severe penalties, including fines and imprisonment.
United Arab Emirates Family and Lifestyle
The UAE is family-friendly, with a range of leisure activities from desert safaris to shopping malls with indoor ski slopes. Religious observances like Ramadan affect business hours, and respectful behavior is expected in public spaces.
Final Thoughts
Living in the UAE offers a unique blend of tradition and modernity, luxury and simplicity. From high salaries and tax-free income to rich cultural experiences and stunning architecture, the United Arab Emirates continues to be one of the most desirable expat destinations in the world. Whether you’re relocating for work or adventure, the Emirates promise a vibrant and rewarding lifestyle.