UAE Dirham

Careem Pay is the UAE Central Bank-authorised digital wallet within the Careem super-app, enabling instant top-ups, direct payments, P2P transfers and remittances. Operator: Careem (with First Abu Dhabi Bank / Magnati). Est. users: Large user base via Careem super-app (2024, best estimate).

Tabby is the Middle East's leading independent BNPL fintech, SAMA-licensed and UAE-regulated, enabling split payments at over 40,000 retailers online and in-store. Operator: Tabby FZ-LLC. Est. users: 14 million+ users (2024).

Tamara is a Saudi-headquartered BNPL provider licensed by SAMA, letting shoppers split purchases into installments at online and in-store checkouts across the Gulf. Operator: Tamara Financial Company. Est. users: 10 million+ users (2024).

Aani is the UAE's national instant payment platform operated by Al Etihad Payments, enabling real-time transfers, QR and request-to-pay using a mobile number. Operator: Al Etihad Payments (subsidiary of Central Bank of the UAE). Est. users: Nationwide, integrated across UAE banks (2024).

e& money is the first digital wallet licensed by the Central Bank of the UAE, offered by e& life, supporting online payments, money transfers and bill payment. Operator: e& life (formerly Etisalat). Est. users: Large user base, telecom-backed (2024, best estimate).

PayBy is a UAE digital payment platform built with First Abu Dhabi Bank, accepted at major supermarkets, hotels and online stores for QR, POS and online payments. Operator: PayBy (with First Abu Dhabi Bank). Est. users: Widespread retail and online acceptance (2024, best estimate).

Ziina is a UAE Central Bank-licensed social payments app enabling individuals and businesses to send money and accept cashless payments online and in person. Operator: Ziina Payment LLC. Est. users: 100,000+ users (2024, best estimate).

FAB (First Abu Dhabi Bank) is the UAE's largest bank and one of the largest in the Middle East, formed from the 2017 merger of FGB and NBAD.

Emirates NBD is Dubai's largest bank, offering retail, SME, corporate, and private banking with a strong regional and global presence.

ADCB is Abu Dhabi's second-largest bank, offering retail, SME, corporate, and private banking. It absorbed Union National Bank and Al Hilal Bank in 2020.

NBK is Kuwait's largest bank and a major financial institution in the Middle East, offering retail, corporate, investment, and private banking.

HBL is Pakistan's largest bank by assets, offering retail, SME, corporate, and international banking in 25+ countries.

Aggregate of remaining banks in United Arab Emirates, collectively ~33.0% of domestic banking assets.