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Aani: Your Instant, Easy and Secure Payment Platform for the UAE

Aani revolutionizes the way you send and receive payments, perfectly aligning with the UAE's vision for economic progress. Built for simplicity, security, and speed, Aani delivers instant payments across the UAE, ensuring your transactions are quick, simple, and highly secure.

Finance House takes pride in being among the first to implement Aani, enabling our valued customers to transfer funds in just 10 seconds - anytime, to any UAE bank account - all through the Finance House FH Personal App.

Discover Aani’s features

  • QR Code Payments: Make seamless, instant transactions by simply scanning QR codes.
  • Transfer Money: Effortlessly send funds across the UAE using a recipient's phone number or email.
  • Request Money: Use the "Request to Pay" feature to receive funds from anyone on Aani using their phone number.
  • Split Payments: Easily share costs with friends by selecting a split method, sending requests to participants, or splitting payments via a QR code.
  • Transaction Limits: Aani supports single payments of up to AED 50,000, making it suitable for both daily payments and larger transfers.

    Getting Started with Aani on the Finance House Personal App

    1. Open the Finance House Personal App
    2. Tap the Aani icon
    3. Enter your username and mobile number
    4. Select your default account
    5. Complete the registration process

    Congratulations! You’re now ready to enjoy fast, secure transfers to any UAE bank.

     

    How to Transfer Funds Using Aani

    1. Open the Finance House Personal App and tap the Aani icon

    2. Select "Send Money"

    3. Choose your preferred payment method from the available cards

    4. Select the beneficiary using their phone number or email address

    5. Enter the transfer amount and review the details

    6. Confirm the transaction by entering the OTP sent to your registered mobile device

    Ensure you’ve updated to the latest version of the Finance House Personal App to access the full benefits of Aani.

    With Aani, transferring funds across the UAE has never been faster, easier, or more secure.

    FAQ

    Aani is operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE, and offered to the market by licensed financial institutions and payment service providers. Unlike many e-wallets, Aani enables instant and ubiquitous payments experience.
    It can also be considered as an alternative of debit card payments for merchants and online shopping, leveraging real-time, 24x7 processing.

    Aani enables instant fund transfers to a diverse range of beneficiaries and facilitates secure payments for various services, from government payments and bills to online shopping and in-store purchases.

    Aani will continue to introduce innovative functionalities, including electronic direct debit authorization, instant direct debit payments, and the first-of-a-kind end-to-end digitized cheque.

    At present, Aani payments are limited to domestic transfers, 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. Nevertheless, Al Etihad Payments will continue exploring opportunities to connect with overseas instant payment platforms to facilitate cross-border instant payments, including international remittances.

    Yes, multiple payment accounts can be linked to the Aani mobile application, provided that the different licensed financial institutions or payment service provider, to which the accounts belong, have enrolled the customers on Aani using the same mobile number or ID.

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