Introducing Aani on ENBD X | Instant Payment Platform (IPP)

At a glance

Empowering instant payments

Aani aims to modernize the payments infrastructure of the UAE, increasing financial inclusion across segments, and ultimately moving towards a cashless society.

A SAFE WAY TO MOVE MONEY

A brand-new friction-free payment experience, licensed by the Central Bank of the UAE and based on the highest security standards.

FAST. CONVENIENT. FREE.

Send money to anyone, anytime, 24x7x365, in just a few clicks simply using mobile numbers

Benefits

Experience the future of effortless payments

Move money within seconds
No IBAN or account numbers needed
Mobile number based
Instant payment up to AED 5,000*
Accessible 24x7x365
Zero charges, completely free

*The per transaction, per account, per day limit is currently set up to AED 5,000. Any changes to the limit will be communicated accordingly.

Subscribe to Aani

Upgrade/login to ENBD X Mobile Banking App and follow
three simple steps:

Step 1:

Go to the preferences section in your profile and settings menu.

Step 2:

Subscribe to the Aani enrollment option and setup your Aani account.

Step 3:

Select the mobile number transfer option and send money to any contact in your phonebook

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Security

Safe, easy and secure transactions to any bank account in the UAE

Domestic transfers only

Aani enables domestic transfers exclusively between accounts held at licensed financial institutions or payment service providers in the UAE in Emirati dirham (AED).

Authorization

Developed using the latest technology and security tools, Aani ensures that payments are executed securely with authorization to be executed through biometrics authentication or PIN.

Customer Care

Our customer care number 600 54 0000 is here to support customers who believe their account has been hacked, or a payment has been initiated without authorization.

Key Services

Instant payments, simply using mobile numbers

Services available

Send and receive money

A unique payments platform, Aani enables you to send or receive money using mobile numbers, without the need to exchange bank account numbers or IBANs.

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Do more with Aani

Stay tuned for a series of new upcoming payment features and services

QR-code based payments

Request to pay

Electronic direct debit authorization

Instant direct debit payments

E/digitized cheque, that can be issued, cleared, and settled instantly

Frequently asked questions

What is Aani?

Aani is an instant payment platform which allows digital payments to be executed instantly to anyone on a 24x7 basis.

What are the advantages of Aani?

You can instantly send money to anyone’s bank account in the UAE using their mobile number only in less than 10 seconds.

Can I register to Aani without mapping the mobile number to account?

No, Aani transfer will work only when the mobile number registered accounts are linked.

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

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)

What is the processing time for Aani payments?

The transfers done via Aani will be processed within 10 seconds.

What is Aani?

Aani is an instant payment platform which allows digital payments to be executed instantly to anyone on a 24x7 basis.

What are the advantages of Aani?

You can instantly send money to anyone’s bank account in the UAE using their mobile number only in less than 10 seconds.

Can I register to Aani without mapping the mobile number to account?

No, Aani transfer will work only when the mobile number registered accounts are linked.

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

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)

What is the processing time for Aani payments?

The transfers done via Aani will be processed within 10 seconds.

How can I opt for Aani service?

To use Aani services, Emirates NBD customers will be required to enroll for Aani service by following the below steps:
Login to your ENBD X 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

Can I link more than one payment account to Aani?

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

What is the transaction limit for Aani instant payments?

The per transaction, per account, per day limit is currently set up to AED 5,000. Any changes to the limit will be communicated accordingly.

Can I send money abroad using Aani?

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.

What is the reversal process, in case of rejected transactions due to incorrect details provided by the 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.

Can I cancel or reject Aani transfer after confirmation?

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

Do I need to add the beneficiary 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.

What are the fees and charges for accessing and using Aani services?

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

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.

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