Transferring car ownership in Dubai is handled by the RTA (Roads and Transport Authority), and the process is faster than most people expect — as long as your paperwork is in order. This 2026 guide covers exactly what the buyer and seller each need, the fees involved, and the step-by-step process.
Before you start: clear the basics
Ownership cannot be transferred until these are settled:
- Outstanding fines — all traffic fines on the car must be paid.
- Finance / bank loan — any loan against the car must be cleared and a release (no-objection) letter obtained.
- Valid insurance — the buyer must arrange insurance in their own name before transfer.
- Vehicle test — if the registration is near expiry, the car must pass a technical inspection.
Documents you need
- Original registration card (Mulkiya).
- Emirates ID of both buyer and seller (or trade licence for a dealer).
- New insurance certificate in the buyer's name.
- The number plates (unless the seller is keeping a personalised plate).
Step-by-step RTA transfer process
- Agree the sale and confirm the car is free of fines and finance.
- Buyer buys insurance in their name for the car.
- Visit an RTA centre or approved service centre (such as Tasjeel) together, or use the authorised channels for the transfer.
- Pass the vehicle test if registration is expiring.
- Pay the transfer and registration fees at the counter.
- Receive the new Mulkiya in the buyer's name — ownership is now transferred.
How much does it cost?
Expect transfer and re-registration fees in the region of a few hundred dirhams, plus the vehicle-testing fee and any plate fees. Insurance is a separate, larger cost paid to your insurer. Always confirm current figures on the official RTA channels, as fees are updated periodically.
Tips to avoid delays and fines
- Check the car's fines and history first — run a VIN check before you buy.
- Never hand over money before confirming the seller can clear any finance.
- Transfer ownership on the same day as payment — driving an unfinished-transfer car leaves you liable for the previous owner's fines.
Frequently asked questions
Can I transfer car ownership in Dubai online?
Some steps can be done through RTA's digital channels, but a vehicle inspection (when due) and plate handling usually require a centre visit. Check the current RTA process before you go.
Who pays the transfer fee — buyer or seller?
It is negotiable, but in practice the buyer usually pays the transfer and registration fees as part of taking ownership.
Do I need a new insurance policy to transfer?
Yes — the buyer must have valid insurance in their own name before the RTA will complete the transfer.
Selling or buying? Start with a clean, inspected car — browse used cars on CarsClub, read our guide to buying a used car in Dubai, and check finance options with our car loan calculator.
