Introducing Aani,
the Instant Payment Platform, on EI +

• 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)

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.