Aani - UAE’s real-time instant payment platform

Launched by the Central Bank of the UAE, Aani is a national instant payment platform operated by Al Etihad Payments. It delivers secure, real-time money transfers designed for speed, convenience, and peace of mind. Your financial journey changes with time — your banking should too. Explore personal banking packages designed to support every milestone, from your first account to premium privileges.

Experience the Future of Effortless Payments

Move Money Within Seconds

Instant Transfers, Always

Card4

No IBANs or Account Numbers Needed

Simplified Payments

Card3

Mobile Number Based

Your Mobile is Your Payment ID

Card3

Instant Payment up to AED 5,000*

Fast & Flexible Limits

Card4

Accessible 24x7x365

Always-On Banking

Card4

Zero Charges, Completely Free

Cost-Free Convenience

Card4

Subscribe to Aani

Upgrade/Login to EI + Mobile Banking app and follow three simple steps:

Watch Videochevron_right
Card1

Get: Go to Settings

Go to the Preferences section in your EI + Mobile Banking app profile and settings to start the Aani enrollment process.

Card2

Set: Enroll in Aani

Subscribe to the Aani service and set up your account quickly and securely.

Card3

Go: Send Money Instantly

Choose the mobile number transfer option and send money to anyone in your phonebook — fast, simple, and hassle-free.

Security You Can Trust

Aani ensures every transaction is protected using advanced security controls — giving you confidence every time you send or receive money.

Domestic Transfers Only

Aani supports transfers exclusively between accounts held at licensed UAE banks and payment service providers, in Emirati Dirham (AED). This ensures every transaction stays local, controlled, and compliant.

Secure Authorization

Built with the latest security technology, Aani requires authentication via biometrics or PIN to execute payments, giving you full control and peace of mind.

Dedicated Customer Support

If you suspect unauthorized activity or believe your account has been compromised, our customer care team is available at 600 599 995 to provide immediate assistance.

Your Everyday Payments

Reimagined

From quick personal transfers to shared expenses, Aani makes moving money effortless. Send or receive funds instantly using just a mobile number — no need to share IBANs or bank account details. Transfers are fast, secure, and convenient, with a per-transaction limit of AED 5,000, all seamlessly integrated within the EI+ app to fit naturally into your digital lifestyle.

Watch Video >

Soon You Can Do More with Aani

Exciting Features on their way to make payments even smarter. Stay tuned!

qr_code_2QR-Code Based Payments

Pay instantly in stores by scanning a QR code.

hand_packageRequest to Pay

Easily request money from friends, family, or colleagues.

credit_cardElectronic Direct Debit Authorization

Set up automated payments securely and conveniently.

arrow_outwardInstant Direct Debit Payments

Execute direct debit transactions in real time.

border_colorE/Digitized Cheque

Issue, clear, and settle cheques instantly, digitally.

Frequently Asked Questions

Aani is an instant payment platform which allows digital payments to be executed instantly to anyone on a 24x7 basis.
You can instantly send money to anyone’s bank account in the UAE using their mobile number only in less than 10 seconds.
No, Aani transfer will work only when the mobile number registered accounts are linked.
The key services offered by Aani are:
  • Fund transfer using the mobile number
  • QR-code based payments. (coming soon)
  • Request to pay. (coming soon)
  • Electronic direct debit authorization. (coming soon)
  • Instant direct debit payments. (coming soon)
  • E/digitized cheque, that can be issued, cleared, and settled instantly. (coming soon)
The transfers done via Aani will be processed within 10 seconds.

To use Aani services, Emirates Islamic customers will be required to enroll for Aani service by following the below steps:

  • Login to your EI + Mobile Banking App
  • Click on profile icon to navigate to profile & settings menu
  • Select the enrollment button
  • Setup up your preferred account from the eligible account list for Aani transfers
  • Login to your EI + Mobile Banking App
  • Click on profile icon to navigate to profile & settings menu
  • Select the enrollment button
  • Setup up your preferred account from the eligible account list for Aani transfers

At any point of time only one account can serve as the transactional account for Aani, which will be referred to as default account.

The per transaction, per account, per day limit is currently set up to AED 5,000 for mobile transfers and AED 50,000 for IBAN transfers. Any changes to the limit will be communicated accordingly.

At present, Aani payments are limited to domestic transfers only, allowing customers to send and receive money only between accounts held at licensed financial institutions or licensed payment service providers in the UAE, in AED.

The amount will be reversed back to the customer account within 24 hours in case of rejection or failure. If not, you can reach out to Customer care on 600 599 995.

Aani transfers cannot be cancelled or amended once processed since these are STP (straight-through-process) transactions which are sent instantly to the beneficiary bank.

No, beneficiary addition is not required to initiate Aani transfers. The contacts who have been enrolled by the banks on the Aani platform will be available from phonebook to initiate Aani transfers.

All Emirates Islamic customers will be able to avail Aani service free of cost.

  • Aani payments have been developed using the latest technology & security tools and infrastructure to ensure that payments can be executed securely and in a well-controlled environment.
  • All payments will require authorization to be executed, through biometrics authentication or PIN.
  • Customers should ensure that they are initiating payments to the right beneficiaries/contacts and should check the genuineness of the requesters of any payment as well as their transaction history.

If customers believe that their account has been hacked, or a payment has been initiated without authorization, they shall immediately report the event to the bank on our customer care number 600 599 995.

Digitally or Physically

Always, by your side

Help & Support
support_agent

Get instant answers, personalised support, and guidance across our digital and assisted channels — so you can resolve queries quickly and bank with confidence.
Useful Videos
video_search

Learn, explore and bank like a pro Watch short, easy-to-follow video guides to help you use the EI+ app, complete everyday tasks, and solve common queries in minutes.

Branches & ATMs
location_chip

Locate Emirates Islamic branches and ATMs across the UAE for everyday banking, cash access, and in-branch services — wherever you are.

How was your experience?

We'd love to know.

1-Disappointed 10-Extremely satisfied

Thank you for your feedback!

Emirates NBD Arabic : العربية
You are currently browsing

Personal Banking

Personal Banking

Priority Banking

Priority Banking

Private Banking

Private Banking

Business Banking

Business Banking

Corporate & Institutional Banking

Corporate & Institutional Banking

Securities

Securities
Other segments

About us

About us

Useful Links

Useful Links

Contact us

Contact us

Legal

Legal

Download our app

play_store_28x28
Google Play

Bank securely anytime and from anywhere

App Store
App Store

More fun, more rewards

huawei_store_28x28
AppGallery

Join the Experience

Copyright © 2026 Emirates Islamic Bank (P.J.S.C.) is licensed by the Central Bank of the UAE.

emirates-islamic-logo