Justin O'Leary Financial Planner for South African Expats in the UAE

30/04/2026

Hi everyone, I’m a wealth manager working closely with South African expats in the UAE, and this is one of the most common financial challenges I see raised across community groups. I’ve put together this article as a practical guide to help you structure your money effectively when you’re earning in dirhams but still have ongoing obligations in rand. I’d love to hear your thoughts, and as always, feel free to reach out if you have any questions or need clarity on your own cross‑border setup.

Hi everyone, I’m a wealth manager working closely with South African expats in the UAE, and this is one of the most common financial challenges I see raised across community groups. I’ve put together this article as a practical guide to help you structure your money effectively when you’re ear...

30/04/2026

Hi everyone, I’m a wealth manager working closely with South African expats in the UAE, and this is one of the most common financial challenges I see raised across community groups. I’ve put together this article as a practical guide to help you structure your money effectively when you’re earning in dirhams but still have ongoing obligations in rand. I’d love to hear your thoughts, and as always, feel free to reach out if you have any questions or need clarity on your own cross‑border setup.

Hi everyone, I’m a wealth manager working closely with South African expats in the UAE, and this is one of the most common financial challenges I see raised across community groups. I’ve put together this article as a practical guide to help you structure your money effectively when you’re ear...

30/04/2026

Hi everyone, I’m a wealth manager working closely with South African expats in the UAE, and this is one of the most common financial challenges I see raised across community groups. I’ve put together this article as a practical guide to help you structure your money effectively when you’re earning in dirhams but still have ongoing obligations in rand. I’d love to hear your thoughts, and as always, feel free to reach out if you have any questions or need clarity on your own cross‑border setup.

Hi everyone, I’m a wealth manager working closely with South African expats in the UAE, and this is one of the most common financial challenges I see raised across community groups. I’ve put together this article as a practical guide to help you structure your money effectively when you’re ear...

23/04/2026

Hi everyone, I’m a wealth manager working closely with expats in the UAE, and this is a question I see come up often across community groups. I’ve put together this article as an informative guide to help you understand the trade‑offs between rental yield and capital growth in both the UAE and UK markets. I would love to hear your thoughts and as always feel free to reach out to be if you have any questions.

Hi everyone, I’m a wealth manager working closely with expats in the UAE, and this is a question I see come up often across community groups. I’ve put together this article as an informative guide to help you understand the trade‑offs between rental yield and capital growth in both the UAE and...

23/04/2026

Hi everyone, I’m a wealth manager working closely with expats in the UAE, and this is a question I see come up often across community groups. I’ve put together this article as an informative guide to help you understand the trade‑offs between rental yield and capital growth in both the UAE and UK markets. I would love to hear your thoughts and as always feel free to reach out to be if you have any questions. https://www.linkedin.com/posts/justinolearyholborn_hi-everyone-im-a-wealth-manager-working-ugcPost-7452960729113980928-BAU2?

23/04/2026

Hi everyone, I’m a wealth manager working closely with expats in the UAE, and this is a question I see come up often across community groups. I’ve put together this article as an informative guide to help you understand the trade‑offs between rental yield and capital growth in both the UAE and UK markets. I would love to hear your thoughts and as always feel free to reach out to be if you have any questions.

https://www.linkedin.com/posts/justinolearyholborn_hi-everyone-im-a-wealth-manager-working-activity-7452960729768374272-4f5n?

13/04/2026

Should You Keep Your South African Policies When You Emigrate?

Hi all I am a financial advisor, specializing with South African Expats living in the UAE. I've seen people asking this question on many South African groups, I've written this article as an informative guide. I hope this helps and I would appreciate your thoughts. Regards, Justin.

https://www.linkedin.com/pulse/should-you-keep-your-south-african-policies-when-emigrate-o-leary-w3o7f

20/02/2026

Hi everyone,

I’m a UAE‑based financial planner, licensed in both the UAE and South Africa, and I work primarily with South African expats living here.

One of the most common questions I see is how to send money back to South Africa in the most cost‑effective way. After running multiple comparisons for clients, here’s a simple breakdown that tends to hold true.

For transfers above USD 10,000

Retail banks in the UAE typically apply a currency spread of 3–4%, which is why their exchange rates often feel uncompetitive. For larger transfers, you’ll almost always get a better deal using a wholesale currency exchange provider such as:

• OFX
• Western Union
• Clear Currency

These providers generally charge a much smaller spread, usually 0.5% to 2.5%. Among the ones we’ve compared, Clear Currency consistently comes out cheapest for transfers above USD 10,000, with spreads starting around 0.5%. Because of this, I’ve partnered with them as an introducer.

If you’d like access to their discounted rate, here’s the link:
https://www.clearcurrency.co.uk/signup?utm_source=indy&utm_medium=dealer&aff=R1032

For transfers below USD 10,000

For smaller amounts, peer‑to‑peer platforms tend to be more cost‑effective. The best-known options are:

• Wise
• CurrencyFair
• Revolut

Of these, Wise is currently the only one licensed for use in the UAE, having received its DIFC license in late 2025.

I hope this helps anyone trying to navigate the maze of transfer options. If you have questions or want a comparison tailored to your situation, feel free to comment or send me a DM.

Justin O’Leary
Mobile: +971 56 370 1185
Tel: +971 4 457 3874
Email: [email protected]

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