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It is now easy to pay your rent, split dinner with friends, or send money to your family in your homeland, all from your phone in seconds. We’re not talking about the future; it’s life in the UAE. As of early 2025, the UAE has 21.9 million mobile connections and a 99% internet penetration rate. This shows mobile access is nearly universal, all thanks to banking apps in UAE.
So, how many are actually using it?
A recent Arthur D. Little survey states that 72% of people in the UAE use mobile banking apps as their main way to bank. Moreover, Statista indicates that the UAE’s mobile POS payment market is projected to reach $37.6 billion by the end of 2025, with a growth rate of nearly 18% annually. It is a great opportunity to find a reliable app development company if you have a banking platform.
In this blog, we’ve curated a list of the most reliable and user-friendly mobile banking apps in UAE that cater to both locals and expats.
| Mobile Banking App | Popular Feature | Target Users | Free/Paid |
| FAB Mobile | Instant Account Opening | UAE Residents | Free |
| ADCB | Smart Money Management | Salaried Individuals | Free |
| ENBD X | AI-Powered Goal-Based Saving | Young Professionals | Free |
| Mashreq UAE | Mashreq Neo | Digital-first Users and Freelancers | Free (Investment Feature involves charges) |
| ADIB Mobile | Voice-Activated Commands | Families and Business Owners | Free |
| MBank UAE | Full Digital Onboarding | First-Time Account Holders and Gen-Z | Free |
| HSBC UAE | Global View and Global Transfers | Upper Class Families, Travelers, and Expats | Free (Premium Banking Has Fees) |
| DIB Mobile | Zakat and Charity Calculators | Friends and Family | Free |
| Business Online X | Role-Based Access | SMEs and Enterprise Platforms | Free |
| RAKBANK | Digital Loan Marketplace | Loan Seekers and Credit Card Users | Free (Standard Account-Related Fees Applied) |
| Liv X | Budget Tracking | Millennials and Gen Z | Free |
| Bob World UAE | Bob World Ecosystem | Indian Expats in the UAE | Free |
| CBD Instant | Instant Digital Account Opening | Salaried Employees and Freelancers | Free (Standard Banking Fee May Apply) |
| United Arab Bank | Secure Fingerprint Login | Traditional Banking Users | Free |
| ADIB Amwali | Parent-Managed Spending Controls | Teenagers (Ages 12-18) | Free |
| CBI Personal | Integrated Bill Payments | Expats in the UAE | Free |
| SIB Digital | Sharia-Compliant Banking | Muslims Looking for Islamic Banking | Free |
| NaqaD | On-Demand Salary Access | Blue-Collar Workers | Free |
| Citibank | Citi Global Wallet | Global Professionals and Frequent Travelers | Free (Fee Applied on Global Transfers) |
| YAP | Cardless Banking | Digital-Native Users | Free |
| Axis Bank | NRI Account Management | Indian Expats in the UAE | Free |
Table Of Contents
As mobile banking continues to dominate the money transfer market, UAE banks are offering next-level digital experiences right at your fingertips. Let’s explore 20 top-tier mobile banking apps that offer ease, speed, and smart banking features:
Google Play Store: 4.5/5
Apple Store: 4.6/5
First Abu Dhabi Bank (FAB) is the largest bank in the United Arab Emirates (UAE), operating in over 20 countries and serving millions of customers. The company was ranked #3 in Forbes Middle East’s “30 Most Valuable Banks 2025” with a market value of over USD $43 billion.
FAB offers 24/7 mobile banking, providing access to accounts, cards, payments, loans, investments, and more. If you’re interested in knowing instant loan apps in the UAE, check out our blog for detailed information on loan eligibility and requirements.
| PROS | CONS |
| It is a full-featured app with savings, loans, and investment options. | App performance can be slow at times. |
| The app offers fee-free international transfers to selected countries. | Some features require frequent identity verification. |
| You can get instant access to account insights and FAB rewards. | It is not ideal for users unfamiliar with digital banking. |
Here’s what makes the FAB app stand out from others:
You can easily send money internationally, especially to India, Pakistan, the Philippines, and Sri Lanka, without extra charges. Transfers are quick and tracked in real time.
You can freeze or unfreeze cards, set limits, and activate new cards directly from the app. It’s perfect for managing your debit and credit cards on the go.
This feature helps you pay your utility bills, recharge your mobile, and even update your Emirates ID or visa documents.
The app allows you to earn FAB rewards with every transaction and grow your money with iSave.
Using the Aani feature, you can send and receive money instantly via phone number, email, or QR code.
Google Play Store: 4.5/5
Apple Store: 4.7/5
ADCB is the official banking app of Abu Dhabi Commercial Bank, offering UAE users a streamlined online banking experience. It is one of the Middle East’s third-largest banking apps, operating across the UAE, Egypt, Kazakhstan, and Saudi Arabia. ADCB has recently achieved an A+ credit rating from S&P and is celebrated as the strongest banking platform in the UAE.
Recently, ADCB bank was recognized as the UAE’s Best Investment Bank for DCM 2025. It was also acknowledged for top-tier performance in regional debt capital markets.
| PROS | CONS |
| It offers an intuitive, dual-language interface. | International transfer delays have frustrated users. |
| The app offers services like instant transfers, bill payments, card management, savings, fixed deposits, and more. | Some users have faced issues with OTP generation and scam response. |
| It integrates with Apple Pay, Google Pay, Samsung Pay, and cardless cash withdrawals. |
Wondering about what features it entails? Here are the most widely known ones:
The app gives you full access to manage savings and call accounts, offering competitive interest rates, flexible deposit options, and the ability to use accounts directly from your phone.
Get instant funds transfers within ADCB/UAE, Aani peer payments, bill payments, Salik/NOL, top-ups, and cardless cash withdrawals.
You can personalize your home screen, set up spend tracking, view categorized transactions, and receive helpful budgeting prompts and insights.
This feature helps you secure biometric/Face ID login, OTP-based two-factor authentication, real-time card blocking, and encrypted session protection.
Google Play Store: 4.8/5
Apple Store: 4.7/5
ENBD X is Emirates NBD’s cloud-native mobile banking app, offering an exceptional user experience. It offers users access to over 150 banking services, an integrated wealth platform, and lightning-fast performance, all in a sleek, modern interface.
The platform has received accolades, including Bank of the Year UAE 2024 and Best Private Bank in the UAE, from The Banker.
| PROS | CONS |
| It trades across 11,000+ global and local securities, ETFs, and IPOs from your mobile device. | Users have reported slow app startup, crashes, and lagging biometric login across various devices. |
| New customers can open accounts in under 3 minutes with a fully paperless, secure process. | There have been a few complaints about the limited control over disabling tracking or permissions. |
| ENBD X operates across the UAE, Saudi Arabia, Egypt, India, and more. | Advanced investment and wealth tools may feel overwhelming to users. |
ENBX is one of the best banking apps in UAE that is known for the following features:
This helps you manage bank accounts, credit cards, cheque imaging, statements, ID updates, and real-time loans within a single app.
It offers effortless global transfers performed like sending a text, with smart recommendations and fee-free routes.
This feature allows you to invest in over 11,000 securities and ETFs from local and global markets, subscribe to IPOs, and manage investments via Secure Sign.
You can open personal, savings, or investment accounts in under 3 minutes with a fully digital, frictionless sign-up process.
Get personalized deals on travel, dining, shopping, and over 1,000 partner offers, all integrated directly into the app.
Google Play Store: 4.8/5
Apple Store: 4.9/5
Mashreq UAE is one of the reputable mobile banking apps in UAE that offers users around 30+ core banking services. The app delivers fast, secure, and personalized mobile banking, featuring biometric sign-up, virtual assistant support, and global investment options.
Mashreq UAE has earned numerous awards for its outstanding banking services. In 2025, the platform received the Middle East’s Best Bank for Large Corporates, Best Bank for Homeowners, and Best Islamic Bank Transformation.
| PROS | CONS |
| The app consolidates both personal and Neo banking features. | Some users report unexpected deductions and unclear transaction policies. |
| You can find services like bill payments, card controls, global transfers, FX accounts, and instant loans. | Users sometimes face delays or unexpected fees during international transfers. |
| The app entails investment tools for global stocks, forex, gold, fixed deposits, and savings certificates. | Many promotions or instant loan features are only available to salary-transfer customers. |
Wondering what features are included in banking app development? Here are the core functionalities the Mashreq app entails:
Mashreq Mobile now merges Neo’s cashback and rewards ecosystem. This allows you to earn and redeem points on spending and bill payments.
The app offers instant international money transfers with competitive exchange rates and zero remittance fees to key countries like India, Pakistan, and the Philippines.
This feature manages and holds multiple currencies within one account. It is great for travelers and expats managing funds globally.
It smoothly manages both conventional and Shariah-compliant products (via Mashreq Al Islami), with options to invest or save within either domain.
It offers exclusive offerings like Neo Savings or Easy Cash, tailored for mobile-first users and aren’t accessible via branches.
Google Play Store: 4.8/5
Apple Store: 4.7/5
Abu Dhabi Islamic Bank (ADIB) is a leading Sharia-compliant Islamic bank in the UAE. As of Q1 2025, ADIB serves around 1.46 million customers and reported total assets of USD $61.5 billion.
This bank has won credible awards, including Middle East’s Best Bank for Consumers, and is recognized for digital innovation and ESG leadership at Euromoney’s 2025 Awards. On the tech front, they became the first Islamic bank to adopt SWIFT’s Alliance Cloud, marking a major leap in payment security and performance.
| PROS | CONS |
| The app offers quick account opening using the Emirates ID. | ADIB offers a limited range of investment products compared to conventional banking apps. |
| You can access exceptional shopping, dining, and lifestyle perks using smart deals. | The app has limited customization options for the dashboard or notifications. |
| It gives you control to freeze, unfreeze, or block lost cards. | Cross-border transfers may take longer than traditional UAE banks. |
Here are the core features the ADIB app has to offer:
You can enable or disable cards, change PINs, manage spending limits, or block a card instantly.
The app offers exclusive discounts tailored to your location and spending habits. This is all powered by AI.
Users can participate in UAE IPOs and access sukuk (Islamic bonds) and mutual funds directly from the app.
This feature stimulates profit rates in personal finance, auto finance, and home financing.
It keeps track of spending categories, monitors your savings goals, and sets up alerts to help you manage your finances more effectively.
Google Play Store: 4.6/5
Apple Store: 4.6/5
MBank UAE is a standout mobile banking app that offers simplicity, zero fees, and quick access to essential banking services. This platform is perfect for students, expats, business owners, or anyone who wants fast, mobile-first banking.
It is the first bank globally to earn the International Digital Customer Experience certification from BSI. Moreover, MBank partners with FAB, DMCC, and Meydan to offer over 396 CDMs/ATMs and digital account-opening for SMEs in under 48 hours.
| PROS | CONS |
| There is a zero minimum balance and no monthly fees at launch. | MBank doesn’t currently offer personal loans, credit cards, or overdrafts. |
| The app is sleek, minimal, and made for users of all tech skill levels. | It lacks tools such as financial insights, spend tracking, and budgeting features. |
| Users can set card controls, daily limits, or freeze cards instantly. | The bank currently has limited compatibility with payment platforms (Apple Pay, Samsung Pay, or PayBy). |
These are the essential features that make this app effective, user-friendly, and competitive:
Through Aani, you can instantly transfer money using your phone number and email. For traditional remittances, QuickRemit supports money transfers to over 35 countries.
MBank offers a built-in insurance marketplace where users can browse, compare, and purchase insurance products directly within the app.
This feature enables entrepreneurs to register their companies digitally, even from free zones such as DMCC, RAKEZ, and Meydan.
Users can generate NIN directly in-app and participate in UAE-based IPOs listed on the ADX and DFM.
Google Play Store: 4.6/5
Apple Store: 4.8/5
HSBC UAE is one of the top mobile banking apps, offering a comprehensive range of banking services. It is best for expats, professionals, and business owners who ned international capabilities and a high standard of banking.
This banking platform supports both personal and corporate clients with multi-currency accounts, global transfers, and access to worldwide markets.
| PROS | CONS |
| It holds up to 2 currencies and sends money in over 60 currencies. | The accounts require maintenance balances up to AED 3,000. |
| You can open personal, advance, or global money accounts within minutes. | Some customers have reported service issues like long wait times. |
| HSBC has a strong reputation as a stable and reliable fintech platform. |
Want to know about the features that build this app’s foundation? Here are the following ones you need to check out:
HSBC UAE allows users to hold and manage various currencies, including AED, USD, EUR, GBP, and more. It is perfect for expats or businesses dealing with multiple currencies.
You can link your HSBC accounts worldwide to move money instantly between them without fees, plus benefit from competitive FX rates.
This feature lets you access personal relationship managers, global travel assistance, preferential rates, and family banking packages.
HSBC UAE offers digital onboarding for SMEs, along with cash management tools, trade support, and corporate cards through HSBCnet and Business Internet Banking.
Google Play Store: 4.5/5
Apple Store: 4.7/5
DIB Mobile is Dubai Islamic Bank’s official app, offering over 60 core banking services in a user-friendly mobile interface. The platform is ranked among the top five banking apps in the UAE with over 100,000 installs.
DIB Mobile offers a powerful, secure, and feature-rich digital banking experience, ideal for users who value convenience, Islamic banking compliance, and unified services.
| PROS | CONS |
| DIB Mobile offers Sharia-compliant services within a digital-first platform. | Both local and international transfers sometimes experience delays due to system lags. |
| Eligible customers can receive a portion of their salary in advance directly through the app. | Some features are not fully functional or available on iOS devices compared to Android. |
| It offers local transfers, international SWIFT transfers, utility bill payments, and donations. | The app lacks advanced customization options like theme changes or layout preferences. |
If you’re planning to create a banking app like DIB mobile, here are the core functionalities it contains:
DIB Mobile offers an all-in-one platform that gives users access to a wide range of Sharia-compliant banking services.
This feature allows users to withdraw money from any DIB ATM without using a physical debit card. Instead, customers can initiate a withdrawal directly from the app.
DIB Mobile is fully integrated with UAE PASS, the country’s national digital identity system. This means users can log into the app securely without needing to remember usernames or passwords.
The app features an efficient alert system that keeps users informed about account activity, upcoming payments, and scheduled transfers.
Google Play Store: 3.2/5
Apple Store: 2.3/5
Business Online X is Emirates NBD’s advanced digital banking platform for corporate and business customers. It offers a unified, secure, and efficient way to manage business finances, streamline operations, and gain full visibility into cash flow.
The key operational areas include the UAE, KSA, Egypt, India, Singapore, and the UK. If you’re managing the cash flow, initiating cross-border transactions, or ensuring compliance, this platform gives you the space to manage finances.
| PROS | CONS |
| Business Online X provides a unified view of all accounts, transactions, and cash positions. | The initial onboarding and setup may be overwhelming for small businesses. |
| It helps businesses make faster financial decisions with live cash flow tracking and personalized reporting tools. | The platform is only accessible to Emirates NBD customers. |
| The app is internationally recognized for innovation and digital transformation. |
If this app is your benchmark for banking app development, here are the key functionalities it’s built around:
Business Online X allows companies to view and manage multiple accounts across different entities and currencies from a single dashboard.
This feature provides actionable insights, helping businesses forecast, budget, and plan more efficiently.
Online Business X supports SWIFT, ACH, WPS, and other transaction types. It also enables batch payments and bulk uploads to streamline payroll and vendor payments efficiently.
This feature helps businesses maintain strict internal controls and reduce risks associated with unauthorized transactions.
The app manages trade finance services, including Letters of Credit, Bank Guarantees, and invoice financing, directly through the platform.
Google Play Store: 4.8/5
Apple Store: 4.7/5
RAKBANK is one of the oldest banks in the UAE that offers personal, wholesale, and business banking services. The bank operates through 20 branches and provides money transfer services to India, the Philippines, Nepal, Sri Lanka, Pakistan, and Bangladesh. Additionally, in its Islamic Banking division, “RAKIslamic,” it offers Sharia-compliant financial services that avoid interest-based transactions.
The bank offers digital wallet and global remittance services to over 200 countries, featuring competitive rates and real-time tracking.
| PROS | CONS |
| RAKBANK’s record-breaking 2024 profits indicate excellent financial health. | RAKBANK’s services are less accessible to users outside of the Emirates. |
| It is ideal for customers seeking Islamic banking products. | Users may encounter remittance charges, insurance-linked account fees, or unclear terms associated with financial products. |
| The bank has received numerous awards for its best digital banking in the MENA region. |
Want to design a banking experience similar to RAKBANK? These are the main features that define its functionality:
This feature allows businesses to manage day-to-day banking operations securely and efficiently, right from their smartphones.
This feature offers access to credit through partnerships like Magnati. This enables businesses to secure invoice, equipment, or receivables financing based on their daily POS transactions.
This is a digital fee payment platform that allows parents to pay school fees instantly. It supports multiple educational institutions and offers real-time payment tracking.
RAKBANK offers robust security features, including biometric login, RAKToken, and efficient app notifications.
Google Play Store: 4.8/5
Apple Store: 4.6/5
Liv X is the latest iteration of the Liv brand, launched in 2017. It is the UAE’s first neo-bank created for Millennials and Gen Z by Emirates NBD. This bank has positioned itself as a financial lifestyle companion that brings together everyday banking, goal-based saving, wealth-building, and lifestyle rewards in one sleek mobile app.
This platform is trusted by over 500,000 users, and it continues to gain traction in the UAE as a preferred digital banking option.
| PROS | CONS |
| You can open a bank account in minutes using only your Emirates ID or passport. | RAKBANK’s services are less accessible to users outside of the Emirates. |
| Liv X is the first UAE-based digital bank to allow in-app crypto trading. | Users may encounter remittance charges, insurance-linked account fees, or unclear terms associated with financial products. |
| Through SWIFT and DirectRemit, the app offers 60-second transfers to countries like India, Pakistan, the UK, and the Philippines. | Liv X accounts are only available to residents of the UAE. |
Here are the following features that highlight what sets this app apart from others:
Liv X offers crypto services within the app where users can buy, hold, and sell major cryptocurrencies, including Bitcoin, Ethereum, Solana, Ripple, and Cardano.
The app offers unique savings products, including Money Ahead Fixed Deposit, Bonus Multiplier Account, and Goal Account.
This account is designed specifically for users aged 8 to 18. Liv Lite includes a personalized debit card, spend tracking, and budgeting tools. This helps build financial literacy from an early age.
Liv X users get access to over 2,000+ local deals and lifestyle rewards. They can also choose between cashback or airline miles using one unified card.
The app automatically categorizes transactions and offers insights into monthly spending behavior.
Google Play Store: 3.0/5
Apple Store: 3.1/5
Bob World UAE is the upgraded mobile banking platform for Bank of Baroda customers in the UAE. It offers a modern interface and a suite of banking services to help manage finances.
The Bank of Baroda (BoB) is a leading Indian public sector bank with a global presence. The UAE operations serve thousands of Indian expatriates and local businesses, providing retail, corporate, and remittance banking services.
| PROS | CONS |
| The app allows rapid funds transfer to India with high transaction limits. | The app lacks Face ID or fingerprint authentication. |
| You can easily find BoB branches and ATMs using its locator feature. | You can find limited personalization features. |
| The app is compatible with all devices and operating systems. | Bob World is not for customers with other UAE bank accounts. |
Let’s explore the functionalities that illustrate the innovation and uniqueness behind this app’s design and performance:
The app offers a dedicated “Rapid Funds to India” service, allowing users to send money directly to Indian bank accounts. Users can transfer up to AED 100,000 per transaction and AED 200,000 daily.
Users can transfer money locally within the UAE via IBAN-based Interbank Transfers and AANI transfers using mobile numbers.
Customers can open and manage Fixed Deposits (FDs) and Recurring Deposits (RDs) directly through the app. It also offers maturity alerts and flexible deposit periods.
Users can instantly top up Etisalat and DU mobile numbers, including Wasel and postpaid plans, all within the app.
Google Play Store: 3.6/5
Apple Store: 4.8/5
CBD Instant is the digital banking platform of Commercial Bank of Dubai (CBD), offering a comprehensive all-in-one mobile solution for UAE residents and expatriates. If you’re sending money across the globe, paying bills, managing multiple currencies, or applying for financial products, CBD Instant is built to keep everything at your fingertips.
The Commercial Bank of Dubai is one of the UAE’s leading national banks, having been established in 1969. It’s quick and easy to use. All you have to do is open a current account and apply for loans instantly via Emirates ID, all within its intuitive mobile app.
| PROS | CONS |
| You can make instant transfers using your mobile device, email, or QR code. | The user must maintain AED 5,000 or transfer money to avoid monthly fees. |
| The app supports multi-currency (USD, EUR, GBP, AED, and more). | Initial credit card limits may be restricted until the physical card is delivered. |
| CBD Instant offers 1,000+ lifestyle discounts to its users. | Full functionality is limited to customers with a CBD account only. |
The functionalities listed below highlight the strengths and smart design choices that make this app truly stand out:
You can make real-time transfers across the UAE using just a phone number, email address, or QR code. The platform offers you 24/7 access to make instant payments.
This feature enables you to transfer money to India, Pakistan, the Philippines, and over 20 other countries instantly through the app, with competitive foreign exchange rates.
Users can enjoy cashback on categories like groceries, fuel, education, and more. Redeem reward points for flights, shopping vouchers, and Skywards Miles.
This feature allows you to manage cards, set limits, freeze or unfreeze, and convert purchases to installments in-app.
Google Play Store: 4.0/5
Apple Store: 3.3/5
United Arab Bank (UAB) is a long-established financial institution in the UAE, which is headquartered in Sharjah. The company was founded in 1975 and aims to provide a broad range of retail and corporate banking services to Emiratis and expats.
The bank operates several branches across the UAE and maintains strategic partnerships with global financial institutions. This makes it a reliable choice for personal banking, trade finance, and SME support. Also, if you’re looking to invest in online trading, check out our blog on the best trading apps in Dubai, UAE.
| PROS | CONS |
| The UAE mobile app allows bill payments, fund transfers, loans, and card management. | The user must maintain AED 5,000 or transfer money to avoid monthly fees. |
| It offers competitive fixed deposit products with attractive interest rates. | Initial credit card limits may be restricted until the physical card is delivered. |
| This app offers convenient money transfers within the UAE and internationally. | Full functionality is available only to customers with a CBD account. |
Here are the following standout functionalities that give this app its competitive edge:
This feature allows you to transfer funds within the UAE or overseas through the UAE mobile app. The bank supports transfers to multiple countries at competitive exchange rates.
You can pay utility bills such as DEWA, SEWA, Etisalat, and DU directly from the app. This feature also allows you to recharge prepaid mobile numbers or make other government service payments seamlessly.
You can track your account balance, view transaction history, and download mini-statements. The app also lets you activate or block cards, reset PINs, and request replacements.
The app opens fixed deposit accounts with flexible tenures ranging from 1 to 12 months. Islamic savings accounts are also available, offering Sharia-compliant returns.
This feature customizes your home screen with shortcuts, widgets, and 3D Touch (on supported iOS devices) for quick access to favorite features.
Google Play Store: 4.5/5
Apple Store: 4.8/5
ADIB Amwali is the UAE’s first Islamic digital bank for youth aged 12 to 24. Launched by Abu Dhabi Islamic Bank (ADIB), the app enables young users to manage their finances, save, and spend responsibly within a Sharia-compliant framework.
This bank combines financial education with modern banking to prepare the next generation for financial independence.
| PROS | CONS |
| The app includes smart budgeting tools and spending insights for young users. | It is only available to UAE nationals and residents. |
| The bank is Sharia-compliant and does not charge interest. | Amwali Bank does not offer credit cards, loans, or investment features. |
| Parents can assign tasks and reward completed ones with money. | The app has limited international remittance capabilities. |
What makes ADIB a standout choice? It’s all in these thoughtfully crafted functionalities below:
Parents can instantly open an Amwali account via the ADIB Mobile App using their Emirates ID and their child’s details. The child then activates their own app via QR code scanning.
Users receive a personalized debit card that is usable for both online and in-store shopping, ATM withdrawals (up to AED 500/day), and Apple Pay integration. Daily purchase limit up to AED 10,000.
Parents can set transaction limits, monitor account activity in real-time, freeze or unfreeze cards, and manage allowances through their ADIB app dashboard.
Children can create dedicated “Goal Accounts” to track and build towards savings objectives, helping instill financial discipline.
This feature includes bite-sized videos, quizzes, and gamified tasks. Parents can assign tasks and reward allowances upon completion.
Google Play Store: 3.2/5
Apple Store: 3.5/5
CBI Personal is the mobile banking platform offered by Commercial Bank International (CBI), a UAE-based bank founded in 1991 and headquartered in Dubai. The app provides a modern and secure way for individuals to manage their finances, access everyday banking services, and apply for products such as personal loans, credit cards, and fixed deposits.
| PROS | CONS |
| You can access your account balances, statements, and transaction history instantly. | There are fewer physical locations compared to larger banks. |
| The app offers fixed deposits with competitive interest rates and flexible tenures. | Transfers abroad require manual checking of rates. |
| You can send money domestically or abroad to saved beneficiaries via the app. | New accounts may require a minimum salary (AED 15K) or a relationship balance (AED 70K) for priority banking. |
Take a look at the exclusive features that push this app ahead of similar platforms in the UAE:
This feature allows you to view account balances, transactions, and download e-statements, as well as manage your account on the go through the CBI Personal app.
You can pay utility bills (e.g., DEWA, Etisalat, Du), top up prepaid services, and transfer money locally between CBI and other banks in the UAE.
This feature enables you to track spending, manage repayments, view statements, and request supplementary cards directly through the app.
Users can open fixed deposit accounts directly from their mobiles with customizable tenures and attractive returns.
The app supports biometric login and two-factor authentication for safer access to your accounts.
Google Play Store: 3.9/5
Apple Store: 3.0/5
SIB Digital Bank is a fully Sharia-compliant digital banking platform offered by Sharjah Islamic Bank (SIB). This UAE-based Islamic financial platform was established in 1975 and has been working in Sharia policy since 2004.
They have earned multiple innovation awards, including the Mohammad Bin Rashid Al Maktoum Business Innovation Award and Wells Fargo Operational Excellence Award.
| PROS | CONS |
| There are no maintenance fees or minimum required balance. | Remittances are primarily limited to India and Pakistan. |
| You can get Islamic profit distributions each month for balances held in the account. | There are some UX limitations, like incomplete beneficiary management and no visibility of FX rates. |
| The app helps you send money to India and Pakistan with no transfer fees via the mobile app. |
Let’s dive into the defining elements that power the app’s uniqueness, usability, and market impact:
You can open a digital account within minutes using just your Emirates ID. Since it’s Sharia-compliant, there’s no need for a minimum balance.
This feature lets you withdraw cash without a physical card from any SIB ATM. Generate a secure PIN within the app and use it at the ATM to take out cash instantly.
The app supports Apple Pay and Samsung Wallet. Link your SIB debit card to your smartphone for secure, contactless purchases.
This is the first UAE bank app with screen reader integration for visually impaired users. It is fully compliant with digital inclusion and accessibility standards.
You can request cheque books, debit card replacements, or balance certificates directly within the app.
Google Play Store: 4.1/5
Apple Store: 4.5/5
NaqaD is a UAE-centric digital wallet and payroll solution by Kameplay. The app is built for distributing salaries (via WPS), managing corporate expenses, remittances, bill payments, and prepaid card services.
It is ideal for companies that manage low-income or underbanked workers and employees who need instant salary access and simplicity.
| PROS | CONS |
| There are no maintenance fees or minimum required balance. | Remittances are primarily limited to India and Pakistan. |
| You can get Islamic profit distributions each month for balances held in the account. | There are some UX limitations, like incomplete beneficiary management and no visibility of FX rates. |
| The app helps you send money to India and Pakistan with no transfer fees via the mobile app. |
Take a closer look at the standout functionalities that scale this app above industry standards:
NaqaD enables quick in-app money transfers and bill payments, covering utilities, mobile top-ups, and more. You can view your transaction history anytime, with no hidden fees.
The dedicated dashboard offers an easy-to-navigate dashboard that shows salary disbursements and expense flows. You can easily track transactions, reconcile budgets, and manage financial operations efficiently.
NaqaD issues an EMV-compliant PayD Mastercard payroll card, which is fully aligned with the UAE’s Wage Protection System (WPS). Employees receive their salaries on time and can access funds through ATMs, POS, and eCommerce platforms.
The Centiv prepaid Mastercard simplifies corporate spending. It is ideal for managing low-value expenses, such as commissions and rebates.
You can enjoy unlimited access to your transaction history and financial data. This makes NaqaD an appealing low-cost alternative to corporate payroll and expense management.
Google Play Store: 4.7/5
Apple Store: 4.9/5
Citibank is one of the world’s largest and most influential financial institutions. It ranks among the U.S. “Big Four” banks and is one of the eight global systemically important banks (G-SIBs).
The bank operates in 160 countries with 200 million customer accounts. It offers a range of services, including consumer banking, credit cards, wealth management, corporate and investment banking, trade finance, and more.
| PROS | CONS |
| Citibank has been recognized as the World’s Best Digital Bank multiple times by Global Finance Magazine. | Their branch footprint is minimal or limited to specific urban hubs. |
| The bank serves both individuals and large institutions. | In certain countries, Citibank’s account maintenance and ATM fees are higher. |
| The app has more than 19 million active users. | The app is still growing, and its usage is lower compared to others. |
What drives Citibank’s popularity? These core features illustrate its practical value and innovation:
Citibank uses advanced artificial intelligence to deliver smart financial insights. The app categorizes your spending, helps you set savings goals, and even uses predictive analytics to offer tailored recommendations.
You can manage your Citi credit cards with real-time visibility on balances, transactions, and reward points. The app also offers one-tap payments, Citi PayLater scheduling, and easy redemption of ThankYou rewards.
For corporate clients, CitiConnect APIs automate account services, payments, and treasury tasks. Businesses can process millions in transactions, access global cash positions, and scale with secure, programmable banking features.
Citibank offers solutions such as financial planning, investment advisory services, and portfolio tracking, with access to global markets and expert relationship managers.
Google Play Store: 4.0/5
Apple Store: 3.6/5
YAP is an independent digital banking app in the UAE, offering users a modern, branchless alternative to traditional banking. Although it doesn’t hold a banking license itself, YAP partners with licensed banks, such as RAKBANK, to provide IBANs, account access, and other banking infrastructure.
The app has expanded into Saudi Arabia, Pakistan, Ghana, and Egypt, already surpassing 130,000 users in the UAE. The app reports an annual growth rate of 35% with over 500K downloads globally.
| PROS | CONS |
| YAP is 100% digital with no physical branches, offering fast account setup and ease of access. | It is not a full-service bank. The platform relies on partner banks to offer licensed services. |
| You can receive your salary, pay bills, and send money abroad with minimal fees. | The app is not ideal for businesses needing comprehensive banking or credit products. |
| Users can receive a Mastercard debit smoothly and can generate multiple virtual cards with set limits. | YAP has a limited international deployment so far. |
Here are the following features that make this app intuitive and impactful than the rest:
You can set up your account within seconds using your Emirates ID and mobile. Users can even receive an IBAN in minutes, thanks to RAKBANK integration.
The app provides auto-categorized expenses, bill reminders, and monthly statements to help you stay on top of your finances.
This feature enables you to lock and unlock cards, set spending limits, and use biometric login for secure authentication.
Users can pay utility bills, mobile recharges, and government services right from their dashboard. YAP also supports receiving salary payments, making it a fully functional primary account option for digital-first users.
Google Play Store: 4.1/5
Apple Store: 4.8/5
Axis Bank is one of the credible mobile banking apps in the UAE, which operates three representative offices: Dubai, Abu Dhabi, and Sharjah. The platform serves primarily NRIs with retail, remittance, investment, and trade services.
Its DIFC branch is fully licensed and focuses on corporate and trade finance, and the NRI offices support retail accounts and remittances.
| PROS | CONS |
| It offers an extensive NRI banking suite, including NRE, NRO, FCNR, and GIFT City accounts. | Opening accounts like NRI still requires submission of notarized physical documents. |
| You can transfer funds via RTGS, NEFT, IMPS, with partners such as ADCB, Emirates NBD, and Mashreq, among others. | The app faces geo-restrictions or blocked access. |
| Indian expats can easily access banking services across the Emirates. | International ATM withdrawals may incur forex charges or fees. |
These are the defining elements that make this app efficient and impactful in the Middle East:
You can access your Axis NRE/NRO accounts from anywhere in the world using the Axis Mobile App or the Internet Banking portal.
This solution entails a savings account, a Demat account, a trading account, and a Portfolio Investment Scheme (PIS), all under one platform.
Axis Bank offers estate and taxation support for NRIs, helping you with property transactions, nominee registration, PAN application, and Indian tax filings.
You can get access to Axis Priority Banking, which includes a dedicated relationship manager, fast-tracked service, preferential exchange rates, and premium investment options.
The UAE is known for its luxury, innovation, and modern infrastructure, so it’s no surprise that it’s also leading the way in digital banking. As of 2025, over 90% of UAE residents use some form of digital banking, and mobile banking apps have quickly become the preferred choice for everything (managing day-to-day finances, applying for loans, paying utility bills, etc.)
Do you need security over sleek design? Want a Sharia-compliant solution? Looking for advanced budgeting tools for international transfers? We’ll walk you through the most important factors to consider when selecting a mobile banking app in the UAE.
The first thing you want from any banking app is reliability. According to Mastercard’s Digital Banking study in the Middle East, 55% UAE consumers prioritize security over convenience in financial apps.
In the UAE, where SIM-swap fraud has been a concern, banks such as ADCB and HSBC have gained a reputation for implementing strong security measures.
A good mobile banking app should feel as intuitive as scrolling your favorite social media feed. In fact, many users stated that user experience (UX) influences how often they use a bank’s digital services.
Ask yourself questions like:
Many mobile banking apps in UAE now prefer beyond basic transactions. They’re becoming personal finance assistants, offering smart tools that analyze your habits and help you save or manage spending.
According to Capco, 72% of UAE customers would share data in exchange for personalized banking insights.
Every app is created for a different audience. Some cater to salaried employees, while some are designed for freelancers, gig workers, or even small businesses.
For expats, apps like Mashreq, Neo, Liv., and ADCB Hayyak offer international transfer options that work well. Moreover, for salary earners, it is suggested to go for Emirates NBD and FAB. Make sure the app supports multi-currency accounts, foreign remittances, and digital wallet integrations based on your needs. Are you looking for money earning apps in the UAE? Read our blog to find out the trustworthy platforms to make some cash.
The best apps do more than just let you check balances or send money. Users expect complete financial control right from their smartphones, and leading banks are meeting those expectations with various self-service tools and built-in capabilities.
A truly competitive mobile banking app should offer a comprehensive suite of features that support your entire financial journey. Many leading banks like Liv. and YAP go a step further by offering AI-powered insights, personalized offers, and spending analytics. If you’re wondering about the cost of developing an app in Dubai, UAE, our blog provides a detailed cost breakdown, including key factors and strategies to help you save money.
What truly sets a great banking experience is reliable customer support, especially when things go wrong. If there’s a failed transaction, a blocked card, or a loan inquiry, you don’t want to be left waiting or navigating an endless FAQ section when what you really need is a human to talk to.
According to recent surveys in the UAE, 35% of banking customers still prefer speaking to live customer service agents. Look for apps that include 24/7 email, chat, and phone support. This shows the bank’s commitment to transparency and accountability.
Checking user ratings and genuine testimonials is an essential step in making an informed decision. A beautifully designed app may look perfect in screenshots, but user reviews tell you what actually happens once you start using it.
It is recommended to look for apps with four stars or higher and have a substantial number of reviews. You can also consider platforms like Reddit, which often feature genuine, unfiltered opinions from locals.
The rise of mobile banking apps is upgrading the financial sector, with over 80% of millennials preferring to manage their money through mobile platforms. This rapid adoption presents a golden opportunity for banks, credit unions, and fintech startups to stand out.
If you’re looking to build a scalable and secure banking app, partner with Trango Tech, which understands the technical, regulatory, and user experience demands of the financial sector. Let’s create a fintech platform that puts your users first and drives long-term success!
If you’re trying to figure out which mobile banking app is the best in the UAE, ENBD X by Emirates NBD is definitely one of the top picks. It’s fast, easy to navigate, and loaded with features, like instant money transfers, in-app investments, and real-time account management. People love how smooth the experience is. That said, Mashreq Mobile is also gaining attention for its slick interface and digital-first features, especially for users who want to manage multiple currencies or trade on the go. It really comes down to which bank you’re with and which tools you use the most.
Yes, mobile banking apps are generally safe, as long as you’re using official apps from trusted banks and following basic security practices. Most banking apps in the UAE, such as ENBD X, FAB Mobile, and ADCB Mobile, utilize bank-level encryption, two-factor authentication, and biometric login to safeguard your information. They also have fraud monitoring systems in place to detect any unusual activity. That said, your own habits matter too. Make sure to use strong passwords, avoid using public Wi-Fi when accessing your account, and always keep your app updated. When used responsibly, mobile banking apps are not only safe but also often more secure than traditional methods, such as ATMs or physical documents.
The primary difference between mobile banking and online banking lies in how you access your bank account. Mobile banking is conducted through a bank’s app on your smartphone or tablet, providing access to services such as transfers, bill payments, mobile check deposits, and real-time alerts, all optimized for mobile use. It’s designed for convenience on the go. On the other hand, online banking typically refers to using a web browser on a computer or laptop to log into your bank account.
While both offer similar features, online banking may provide a more detailed interface for tasks such as downloading statements or managing complex transactions. In short, mobile banking is app-based and perfect for quick tasks, while online banking is browser-based and often better for in-depth account management.
Yes, you don’t need to go to the bank for online banking. Banks like Emirates NBD, ADCB, and Mashreq offer fully digital onboarding through their mobile apps or websites. All you need is a valid Emirates ID, a smartphone, and sometimes a selfie for identity verification.
Within a few minutes, you can open an account, set up your login credentials, and start using online or mobile banking services, without ever visiting a branch. It’s fast, secure, and designed for convenience, especially for busy individuals or expats settling in.
Most UAE banks use strong encryption, biometric login, and multi-factor authentication to keep your data safe. However, hackers can still gain access through methods like phishing scams, fake apps, or unsecured Wi-Fi networks.
For example, if you click a suspicious link or download an unofficial banking app, you could unknowingly expose your information. To stay safe, always use your bank’s official app, enable two-factor authentication, avoid public Wi-Fi, and never share your login or OTP codes with anyone. With good habits, phone banking is secure and convenient.
Yes, in most cases, having a UAE residency visa is important if you want to fully access and use mobile banking apps offered by UAE banks. That’s because banks typically require your Emirates ID, which is issued only to residents, for opening an account. Since most mobile banking apps are linked directly to your bank account, you’ll need to complete the KYC (Know Your Customer) process using your Emirates ID or residency documents.
Few banks offer limited or special accounts for non-residents or tourists, but these often come with restrictions. Therefore, if you plan to live or work in the UAE, obtaining a residency visa will make your mobile banking experience smoother and flexible.
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Rida Shahzad is a business graduate and seasoned content writer at WareGo, where she transforms complex concepts into clear, actionable content. With a strong background in creating how-to guides, conversion-focused content, and technical documentation, Rida excels at bridging the gap between advanced technology and real-world business needs. Off the page, she’s a curious mind with a love for ancient history, tech trends, and creative sketching.
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