Card Services
The UAE’s national instant payment service.
A simple & faster way to move money using mobile number!
AANI - Instant Payment Service
AANI is an instant payment service developed by Al Etihad Payments, enabling secure money transfers using mobile numbers, email addresses, or QR codes.
An initiative of the Central Bank of the UAE, AANI processes transactions in under 10 seconds, and is available 24/7. You can now access AANI services through the Citi mobile app.
Key Features of Using AANI
Instant Payments:
Send money to individuals or pay businesses in just a few steps.
Split Bill:
Conveniently split a bill with others by simply showing a QR code or by sending a request to your contacts.
Request Money:
Easily request money from your contacts using their mobile numbers or email addresses.
Manage Requests:
Manage pending requests with the option to accept, decline or cancel.
QR Code Payments:
Experience effortless payments by scanning QR codes and transferring money in seconds.
Fast, Secure, and Convenient Instant Payments with AANI
Speed & Convenience
Aani is the fastest way to pay, enabling you to complete transactions in second.
24x7 Transaction Processing
Aani processes transactions in a matter of seconds, anytime, any day.
Security
Aani is a safe way to move money, enabling secure transfers for individuals, merchants, and corporates.
Ease of Transfer
Use mobile numbers, QR codes, or other easy ways to send money without the need to exchange bank account numbers or IBANs.
Authorization
Developed using the latest technology and security tools, Aani ensures that payments are executed securely with authorization to be executed through biometrics authentication or PIN.
How to Enroll and Start Using AANI for Secure Instant Payments
Enrollment on MBOL
Registration on Aani app
Addition of account
Deletion of account
Deregister
Frequently Asked Questions
Aani is a smart and secure payment system that allows you to make cash-free transactions instantly and conveniently. No IBAN or account details required. Just your mobile number and email address. You can register for the Aani service through the Citi Mobile app. Aani is regulated and endorsed by the Central Bank of the UAE and it complies with the highest standards for security, reliability and transparency.
With Aani, you can:
- Send money instantly to another registered Aani user in the UAE.
- Request a payment and you will be notified once it is done.
- Scan a QR code to make payments at select merchants.
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.
You can enroll for Aani with your Citi MBOL App. This is how:
- On the Citi Mobile App home screen, tap “Payments” on the bottom menu.
- Select “Manage Aani” and tap “Enroll in Aani”.
- Select an Account and Proceed.
- Select Default Account and Proceed.
- Enter your 6-digit Unlock Code and Aani registration will be completed.
- Open Aani, enter Mobile number and verify with OTP.
- Select Account Provider and enter Bank User ID.
- Enter your OTP, confirm and select ‘Proceed’.
- Wait for Authentication.
- Select Primary account on Aani App and Accept Privacy Policy.
- Allow Notification and Location Pop-up.
- Select ‘Manage Aani’.
- Select ‘Manage Details’
- Select ‘Add account’, select the account and proceed.
- Enter your OTP. Aani details will be successfully updated.
To learn more about Aani Click here.
You should receive an Aani payment instantly. So, if you have not received a payment sent to you in your selected Citi account, please check that you selected your Citi account as the default account in the Aani Mobile app. For any queries, please call us to investigate further.
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 2,500. 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 our Citiphone number 04 311 4000.
Aani transfers cannot be cancelled or amended once processed since these are STP (straight-through-process) transactions which are sent instantly to beneficiary bank.
Citi 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 Citiphone number 04 311 4000.
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