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

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 authorisation 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.

The per transaction, per account, per day limit is currently set up to AED 50,000. Any changes to the limit will be communicated accordingly.

Login --> Aani Services --> Send Money --> Select a beneficiary from Contacts or Favorites or add a new Mobile Number / Email ID --> Enter the amount and note --> Confirm the transaction using OTP

Alternatively:

Login --> Send / Receive --> New Transfer --> Domestic Fund Transfer --> Transfer via Mobile Number / Email ID --> Enter the amount and note --> Confirm with OTP

Login --> Aani Services --> Request Money --> Select a beneficiary from Contacts or Favorites or add a new Mobile Number or Email ID --> Enter the amount and note --> Confirm the request

Alternatively:

Login --> Send / Receive > New Request --> Request Money > Select Mobile Number or Email ID --> Enter the amount --> Confirm the request

Your email ID is already shown on the Activate Email screen.To use it, activate the email from Aani Services --> Aani Settings --> Activate Email.

To change it, log in using UAE Pass, go to More --> Update Profile, update your email, then activate it from Aani Settings.

You can still receive money using your Aani-registered mobile number even if the email is not activated.

Login to DIB APP --> Open Aani Services and click on Split Bill --> Choose Split Bill by QR Code --> Enter the Amount and Number of Participants (Minimum 3, Maximum 20) --> Click Continue, and a QR Code will be generated--> Share the QR Code with your friends so they can scan and pay their share.

or

Login to DIB APP --> Open Aani Services and click on Split Bill --> Choose Split Bill by Money Request. --> Select Participants from your contact list Favorites, Recent, or All Contacts (Minimum 3, Maximum 20) --> Enter the Amount to be split and add a Message to be shared with your friends and Confirm --> Payment Requests will be sent to all selected participants.

Yes you can.To customize the Amount , Open Aani Services --> Select Split Bill.

--> Choose Split Bill by Request Money --> Select Participants from your contact list (Favorites, Recent, or All Contacts) --> Click on Custom Split and Enter the amount for each participant separately and add a Message to be shared with your friends and Confirm -->Payment Requests will be sent to all selected participants.