Aani Instant Payments on EI + | Priority Banking

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.

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. The per transaction limit for transfers is AED 2,000.

Frequently Asked Questions

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

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

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

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)

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

To use Aani services, Emirates Islamic customers will be required to enroll for Aani service by following the below steps:

Login to your EI + 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

Login to your EI + 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

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

The per transaction, per account, per day limit is currently set up to AED 5,000 for mobile transfers and AED 50,000 for IBAN transfers. Any changes to the limit will be communicated accordingly.

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 Customer care on 600 599 995.

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

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.

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

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 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 600 599 995.

Introducing Aani, the Instant Payment Platform, on EI +

Instant Payments Service

At a glance

Empowering instant payments

Benefits

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Key Services

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Frequently Asked Questions

What is Aani?

What are the advantages of Aani?

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

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

What is the processing time for Aani payments?

How can I opt for the Aani service?

How can I set a default account for Aani transfers?

Can I link more than one payment account to Aani?

What is the transaction limit for Aani Payments

Can I send money abroad using Aani?

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?

Can I cancel or reject Aani transfer after confirmation?

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

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

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

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

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Introducing Aani,
the Instant Payment Platform, on EI +