About
Aani is the UAE's national instant payments platform, operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE, and launched on 16 October 2023 under the central bank's Financial Infrastructure Transformation programme. Users send money from their bank app using only the recipient's mobile number or Emirates ID, request money, split bills or pay merchants by QR code, with account-to-account transfers completing 24/7 in about three seconds on average. By April 2026 Aani had 12.5 million registered users, 74 licensed institutions including 85% of banks, and 774,000 merchants.
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