Aani | Al Etihad Payments

Safe, Easy and Secure Transactions

Aani is the payments application that allows customers of Licensed Financial Institutions and other Payment Service Providers of the UAE to benefit from Instant Payment Services.

Customers can transfer funds up to AED 50,000 immediately and conveniently, on a 24/7 basis. It offers innovative services such as Proxy Payments, QR-code based payments, Request to Pay, and split payments.

For further details on how to access and use the Aani app, customers can contact their licensed financial institutions or payment service providers.

Smart Functions

Aani is a new payments experience delivered to everyone in the UAE by Al Etihad Payments (AEP) and our partner licensed financial institutions (LFIs).

Transfer money across the UAE, in a few seconds, using just a recipient’s mobile number, email address or QR code.

Real-Time Payments

Aani is revolutionary, processing transactions in less than 10 seconds, 24/7, with instant visibility on whether the transaction has been successful or failed.

Direct from your Mobile

Aani simplifies the payment process by allowing instant fund transfers using only the recipient’s mobile number, email or QR codes, eliminating the need to ask for or remember complex IBANs.

Safe & Secure Transactions

Aani adheres to the highest international standards of security, implementing robust encryption protocols to safeguard user data and transaction information.

ADCB

ADIB

Botim

ENBD X

FAB

Finance House

Mashreq

NBF

UAB

To activate Aani, log into the ADCB Mobile Banking App.

Tap ‘Proceed on the pop-up banner. Alternatively, tap on ‘Enroll Now’ under Offers & Updates.

Tap ‘Enroll Now’. Review Terms and Conditions and tap ‘Agree.’

Select the account to link with Aani. The accounts you choose will be enabled for Aani payments through your mobile number or email registered with the bank.

Review and confirm your selected account(s).

If ADCB FacePass is not activated, tap ‘Active Now’, or use the OTP for verification.

You have successfully enrolled in Aani.

Navigate the ‘Transfers’ menu and select the ‘Instant Transfer Tab’ to begin.

Tap ‘Pay with Aani.’

Enroll your FAB account for Aani instant payment services by tapping on ‘Enroll for Aani.’

Select the FAB account you wish to send a receive money through Aani.

Once you’ve selected the account, tap ‘Continue’ to proceed.

You will get confirmation that your FAB account is enrolled for Aani.

Download the Aani App and register. Once you link your FAB account, you can send and receive money instantly through Aani.

Navigate to Service Requests > New Service Request > Aani Register

Select your Aani account.

Accept the Terms & Conditions and click ‘Review & Submit.’

Review and confirm your request.

Download the Aani App from your App Store (IOS) or Play Store (Android).

Enter your mobile number and verify it using the received SMS code.

Select National Bank of Fujairah as your Account Provider.

You will be redirected to NBF Direct App for authorisation (If you are not properly redirected, make sure that you have downloaded the latest NBF Direct App from the App Store or Play Store.)

Confirm the authorisation request. Congratulations, you are now registered for Aani!

To initiate the transactions, select the designated AED button, and explore Aani Features: Pay with QR Code, Send Money, Request Money, Split Bill.

Once logged in successfully, on your home screen, if you are not enrolled in Aani, a banner (Register for Aani Instant Payments) will appear. You can simply click on the banner to start enrolling in the Aani Instant Payments service.

Then, select the account that you would like to define as your default account to use this service, review the Terms & Conditions and the Key Fact Statement documents, agree to them, and click register.

To confirm and verify your request, you will receive a One-Time Password. Enter it, and the registration will be successfully completed.

Once, you are enrolled, download the official Aani App, select UAB as an account provider, authenticate your profile and follow the instructions in order to start using instant payments service.

How to Use QR codes

Scan:
Open your device's camera or a QR code scanning app and point it at the QR code.
Read:
Wait for the device to recognize the code; it will usually prompt you to take action or display information.
Follow:
Once scanned, follow the instructions or links provided by the QR code.

Discover More

Sending and receiving money

Here's a quick guide for you

Sending pocket money

How to send money

Request money with a few clicks

requesting money effortless

Pay with Aani

Checkout, Scan ,Pay with Aani

Split the bill

Split the bill with your friends

Sending and receiving money

Here's a quick guide for you

Sending pocket money

How to send money

Request money with a few clicks

requesting money effortless

Pay with Aani

Checkout, Scan ,Pay with Aani

Split the bill

Split the bill with your friends

Partners

Our launch members support Al Etihad Payments to provide a secure, stable, and efficient payment landscape for people, businesses, and communities to thrive across the UAE. Aani is a payment experience that enables customers of licensed financial institutions and payment service providers to offer Instant Payment Services to consumers, businesses, merchants, retailers, government and other entities in  the UAE. Customers can transfer funds up to AED 50,000 immediately and conveniently, on a 24*7 basis. It offers innovative services such as Proxy Payments, QR-code based payments, Request to Pay, and split payments. For further details on how to access and use Aani, customers shall contact their licensed financial institutions or payment service providers.

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