Instant, Paperless, Digital

Aani is an instant payment platform powered by Al Etihad Payments, an initiative of the Central Bank of the UAE.

With Aani, you can send money or request to receive money using mobile numbers, email addresses or QR codes. This allows transactions without exchanging bank account or IBAN details with individuals who have activated Aani.

You can enroll for Aani with your DIB account. Follow the below steps:

1. Login to DIB alt Mobile app or DIB alt online
2. Tap “Aani” on the bottom menu of home screen
3. Select “Register Now”
4. Select the DIB account you want to use (for sending and receiving payments)
5. After selecting the account, you will receive a One-Time Password (OTP) for confirmation. Once you enter the OTP, your enrollment will be complete.
6. Download Aani application, signup using your registered mobile number with DIB.
7. Select DIB as your bank to start using the Aani services to send and receive money.

• Send money instantly to another registered Aani users in the UAE using their mobile numbers or email addresses
• Request to receive money from other registered Aani users using their mobile numbers or email addresses (Money will be credited only upon acceptance of the request.)
• Scan a QR code to make payments at select merchants
• Conveniently split bills with others by showing a QR code or sending payment requests to your contacts.
• Electronic direct debit authorization. (coming soon)
• E/digitized cheque, that can be issued, cleared, and settled instantly. (coming soon)

You can see them in Aani home screen under ‘Track and manage > Transaction history’.

This section will contain all your historical transactions as per below. You may also set a filter to choose the dates.

• All – all the transactions that are either completed, declined, or expired
• Expired –all the requests that have expired i.e., the requests where you have failed to respond within 7 days
• Completed – all the transactions that you have completed successfully (sent/received money)
• Declined – all the requests that you have declined

Yes, you can only send or receive money using Aani with another registered Aani user. You need to enroll with your bank account to be visible to another Aani user.

Yes, your bank account will be debited immediately.

The transfers done via Aani will be processed instantly.

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

No, only active UAE mobile numbers can be used for Aani transactions.

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 DIB customer care on 04 609 2222.

Aani transfers cannot be cancelled or amended once processed since these are STP (straight-through-process) transactions which are sent instantly to beneficiary bank, however in case of any dispute please reach out to DIB customer care on 04 609 2222.

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 through Aani application.

The receiving party is expected to receive funds immediately however, this may depend on the receiving bank. Any delay should be followed up by the receiving party with their banks.

You may Log in to Aani application to track your payments status.

All DIB customers will be able to avail services from Aani application free of cost, we will update in case of any further changes.

Yes, you can make immediate payments at any time, any day of the week.

The validity of a request is 7 days. Requesters can see the ‘Expiry date’ under ‘Active requests’ tab in ‘Track and manage’ section in Aani application.

• Aani payments have been developed using the latest technology & security tools and infrastructure to ensure that payments can be executed securely and in a 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

• Login to DIB alt Mobile app or DIB alt online
• Go to “Aani” and select ‘Settings’ to Change, Block or Unenroll the account for Aani services.