Hawil حوّل
Send Money. Save More.
UAE's first remittance with Google rate exchange and Nuqta rewards. Zero markup on currency. 0.5% flat fee. Earn coins on every transfer.
Google Rate + 0.5% Fee + Nuqta Coins
What Hawil Controls
Does NOT Own
Executive Summary
Hawil (حوّل - "transfer" in Arabic) is a remittance and currency exchange platform that offers the Google/mid-market exchange rate with zero markup. As a Nuqta Group sister company, users earn Nuqta coins on every transfer and can use the Nuqta ecosystem for funding and emergency BNPL via Qist.
How It Works
The Hawil Difference: Google Rate
When you send money with Hawil, you get the exact Google/mid-market rate - the same rate you see when you search "AED to INR" on Google. No markup. No hidden fees.
How Others Work
How Hawil Works
For Senders
Google Rate Exchange
Buy Nuqta coins at exact Google/mid-market rate. Zero markup.
0.5% Transfer Fee
Flat 0.5% fee. No hidden charges. Save up to 90% vs banks.
Earn While Sending
Get Nuqta coins on every transfer. More you send, more you earn.
Instant Transfers
Money arrives in minutes, not days. 24/7 availability.
For Receivers
Best Rate Guaranteed
Family receives at Google rate. No deductions.
Instant Arrival
Money in bank account within minutes.
Multiple Options
Bank deposit, mobile wallet, or cash pickup.
Bonus Rewards
Receivers can join Nuqta and earn coins too.