Using Aani for instant remittances within the UAE

Aani allows you to send or receive money domestically using only mobile numbers, without the need to exchange bank details, account numbers or IBAN

Domestic Payments have never been faster and easier!

Launched by the Central Bank of UAE, Aani is the answer to sending and receiving money within the UAE in the fastest, safest, and most convenient way possible. Using our innovative ENBD X app, the entire process from enrollment to transferring money will take you less than a couple of minutes and within seconds your beneficiary will receive the funds.

To know more about Aani

How to enroll for Aani

ENBD X

Log in to Mobile Banking
Tap on the on the top left of the app and go to Preferences

Scroll down and toggle on the consent for enrollment to Aani payments option
Tap on Activate
Agree to the Terms & Conditions, and Slide to Confirm
Authenticate with smart pass pin and tap on Done

You will receive an Enrollment confirmation via Email and SMS within few seconds to minutes

How to send money using Aani

ENBD X

Log in to Mobile Banking
Tap on the bottom of the app
Select Mobile Number option
Enter mobile number or select an existing contact by tapping on Select from Phonebook
Enter the amount you wish to transfer and Slide to Confirm
Authenticate using smart pass and Submit

A Success message will appear on the screen once payment has been processed and a debit notification will be sent via SMS

All payments should be credited to the beneficiaries within 10 seconds.

Steps to update your Aani linked Account

At any point of time only one account can serve as the transactional account for Aani which will be referred to as default account. However, if you have multiple accounts with us, you can simply update the Account number linked to Aani in a matter of seconds.

ENBD X

Log in to Mobile Banking
Tap on the on the top left of the app and go to Preferences

Scroll down to Product Settings, and tap on Aani setup
Change the account from the Account list shown on the screen

The account will be changed immediately.

Fees and Charges

All Aani payments are free of charge.

FAQs

Can payments made through Aani be recalled or amended?

No, as these are straight-through-process (STP) payments there is no option to change any details once payment has been processed.

Can I send money to someone who has just bought a new UAE number?

If the new mobile number is mapped to a registered account, your transfer will go through successfully.

What are the key services offered by Aani to individual customers?

The key services offered by Aani are:

Fund transfer using 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)

Does Aani support all currency payments?

As of now, only AED payments being made domestically are supported through Aani.

What is the reversal process, in case of rejected transactions due to incorrect details provided by customer or any technical issue with the Aani service?

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 54 0000

What is the reversal process, in case of rejected transactions due to incorrect details provided by customer or any technical issue with the Aani service?

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 54 0000

Do I need to add the beneficiaries in the frequent beneficiary list before initiating Aani transfers?

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.

Are Aani payments secure? What are the security features offered by Aani?

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 are a victim of any security incidents, what should they do to report and contain such incidents?

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 54 0000.

If customers are a victim of any security incidents, what should they do to report and contain such incidents?

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