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Aani, a Central Bank of UAE initiative is a one-touch instant payment platform, powered by Al Etihad Payments, that enables seamless and secure real-time account-to account payments within the UAE. It enables sending and receiving payments across the UAE, in a hassle-free manner for consumers and businesses. The payments and transfers are processed instantly, 24x7.​

Key Benefits


Speed & Convenience

Complete transactions in seconds using mobile numbers, QR codes, or email addresses.


Instant transfers and payments

Send money, request money, scan & pay, split bills with other Aani users, or transfer money within your own Aani linked accounts.

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24/7 Availability

Aani transactions are processed within seconds, anytime, any day.


Safe & Secure

Secure money transfers for individuals, merchants, and corporates​.​

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Experience the future of payments with Aani using your ADIB Account(s)​:


  • ​​Send money to individuals or pay businesses in just a few taps using mobile num​​​bers, QR codes, or other easy ways to without the need to exchange bank account numbers or IBANs.

  • Easily request money from your contacts using their mobile numbers or email addresses.​

  • Split bills conveniently by sharing a QR code or by sending a request to your contacts.

  • Experience effortless payments by scanning QR codes and transferring money in seconds – quickly and conveniently.

  • Manage pending requests with the option to accept, or reject.

  • Safe and secure transactions in a matter of seconds, anytime, any day​​
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Link your ADIB Account(s) with Aani in just a few simple steps:​ ​

  • Log in to your ADIB Mobile App and navigate to Transfers section.
  • Select ‘Aani’ and follow on-screen instructions to link your ADIB Account(s)
  • Review the Terms and Conditions before confirming.

Once enrolled successfully in the ADIB Mobile App, download the Aani App to activate and link your ADIB accounts!​​

IMPORTANT SECURITY AND SAFETY TIPS​

  • Read all information and steps carefully while enrolling with Aani.
  • Read all messages carefully that are sent by ADIB during the enrollment.
  • Never share the OTP sent by ADIB with anyone. Even if you are contacted by phone and/or email from someone you know.
  • Never share the ADIB Mobile Banking or Internet Banking Login Credentials, like username, password, ePIN, OTP sent by ADIB with anyone.
  • ADIB will never contact you to enroll or unenroll from Aani.​
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Need more details?

Frequently Asked Questions (FAQs) are ​
here​​

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Important Information