Send more for less in December: Euro, pound to drop!

12月以更少的价格发送更多：欧元、英镑下跌！

Dubai: Thinking of sending some cash to the UK or anywhere else in Europe? Hold on to your dirhams! Just like booking a flight, timing your money transfer can save you some serious money.

迪拜：想寄一些现金到英国或欧洲其他地方吗？抓紧你的迪拉姆！就像预订航班一样，安排好转账时间可以为您节省大量资金。

The first step is figuring out if the currency in the country you are remitting to is going to rise or fall in value soon? This can make a big difference in how much money your friends or families end up receiving after you send.

第一步是弄清楚你要汇款的国家的货币是会很快升值还是贬值？这可能会对您的朋友或家人在您汇款后最终收到多少钱产生很大影响。

While the British pound and the euro are less prone to fluctuations than some South Asian ones (think Indian rupee, Pakistani rupee, and Philippine peso), even small changes can add up to big savings when you're sending a hefty chunk of change.

尽管英镑、欧元的汇率波动幅度，远低于印度卢比、巴基斯坦卢比、菲律宾比索等南亚国家货币，但在办理大额汇款时，哪怕是汇率的微小变动，也能转化为可观的成本节约。

“The British pound (GBP) or Sterling’s exchange rate has been largely unchanged since the year began, which would have steadily stagnated remittances and overseas transactions,” explained Jasdeep Singh, Dubai-based forex trader and analyst. “But surprisingly, a strengthening US dollar will hurt the pound.

迪拜外汇交易员、行业分析师贾斯迪普・辛格解释道：“今年开年以来，英镑汇率整体维持横盘震荡，这也让不少人的汇款和海外交易计划陷入停滞。但出人意料的是，美元的持续走强，将给英镑汇率带来下行压力。”

“With the new US President-elect Donald Trump's policies seen supporting the greenback further, the pound will stay weak for now, and exchange rates will turn favourable for overseas remittances going in December. This will reflect against the UAE dirham as well.”

“随着美国新当选总统唐纳德特朗普的政策进一步支持美元，英镑目前将保持疲软，汇率将有利于12月的海外汇款。这也将反映出阿联酋迪拉姆。

Another reason analysts are flagging that the pound may soon find more room to drop in value is because the dollar’s rise in value is also supported by the US central bank announcing narrower-than-expected rate cut last week and a similar cut in December. The pound is at 0.79 against the dollar.

分析师表示英镑可能很快会发现更多贬值空间的另一个原因是，美元的升值也受到美国央行上周宣布降息幅度小于预期以及类似降息的支持。12月。英镑兑美元汇率为0.79。

“Similarly, against the UAE dirham – which is pegged to the US dollar, the pound value is seen slipping from its current value of 0.21, which implies that you should avoid remitting now and instead send money when the value slips in December, to get more value for your dirhams,” added Trivedi.

特里维迪补充称：“同样，对于与美元挂钩的阿联酋迪拉姆来说，英镑兑迪拉姆汇率也将从当前的 0.21 水平进一步走低。这就意味着，当下并非汇款的好时机，等到 12 月英镑汇率下跌后再办理汇款，你的迪拉姆就能兑换到更多的英镑，实现更高的资金价值。”

Against the US dollar, the euro exchange rate has dropped in value against the US dollar since the start of the year, but steadied last few months, analysed Pillai. It is at 0.95 versus the US dollar currently. But what will forex rates look like next month?

皮莱分析指出，今年开年以来，欧元兑美元汇率整体呈下行趋势，不过近几个月逐步企稳，当前欧元兑美元汇率报 0.95。那么，下个月的外汇汇率又将走出怎样的行情？

“A steady euro seen in recent months may have stalled remittances, but with the euro’s fortunes to change against a strengthening US dollar, it would be cost effective to postpone remittance plans as the lower valued currency should taken advantage of before they rise,” said Pillai.

皮莱表示：“近几个月欧元汇率的横盘震荡，让不少人的汇款计划暂时搁置。但随着美元持续走强，欧元的汇率走势将迎来反转，此时推迟汇款计划会更具成本效益 —— 大家可以在欧元汇率处于低位、尚未反弹时，抓住窗口期完成汇款。”

“US rates that are no longer as drastic as October narrows the interest rate gap between the US and the Eurozone, turning exchange rates volatile between the Euro vs. the US dollar,” Pillai agreed, which is in line with the recent forecasts from top investment banks worldwide as well.

皮莱补充道：“美联储的利率调整幅度已不再像 10 月时那般激进，这也缩小了美国与欧元区之间的利差，进而导致欧元兑美元汇率的波动性有所提升。” 这一观点，也与全球多家头部投资银行的最新预测不谋而合。

“What this means for UAE remittances is that a weakening euro will lead to a pickup in expats sending money to anywhere in Europe, as the decline in value will be reflected against the UAE dirham as well. In other words, it would be cost effective to delay remittances to December.”

“这对阿联酋汇款意味着欧元贬值将导致向欧洲任何地方汇款的外国人增加，因为价值的下降也将反映在阿联酋迪拉姆身上。换句话说，延迟向12月汇款将具有成本效益。

When it comes to remitting the euro or the British pound, it would be comparatively cost-effective to remit in December when exchange rates turn remittance-friendly. This should provide UAE-based expats clarity on how they should plan their upcoming remittances to the UK or anywhere else in Europe.

综上，无论是办理英镑还是欧元汇款，等到 12 月汇率进入对汇款人友好的区间后再操作，都能实现更低的汇款成本。这一分析，也能为在阿联酋的外籍人士，规划后续向英国及欧洲其他地区的汇款计划，提供清晰的参考方向。