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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

All third-party trademarks, logos, and brand names displayed on this website are the property of their respective owners. They are used for identification and informational purposes only, and their use does not imply affiliation with, endorsement by, or sponsorship from any trademark owner. If you are a trademark owner with concerns, please contact us and we will address them promptly.

Kredit publishes independent editorial content and card comparisons to help users evaluate credit card options. We may earn a commission when users click certain links, submit an application, are approved, or open an account with partner institutions. Compensation may affect how and where products appear on the site. We do not cover every available card, and our editorial analysis is produced independently and is not reviewed, approved, or influenced by card issuers, banks, or partners before or after publication.

Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

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8 wallets & money apps

Wallets & money apps

Add money, pay and send it home. Find a UAE wallet that fits the way you use your money.

Explore walletsCompare transfer fees
Official Ziina, Al Ansari, botim, e& and Lulu Money app previews

Find your everyday wallet

Explore how to add money, make payments and withdraw cash. Each app has its own fees and opening requirements.

Al Ansari Exchange product artworkAl Ansari Exchange

Al Ansari Exchange

  • International money transfers
  • Payment card
  • Emirates ID required
ExploreOpen
botim money product artworkbotim

botim money

  • Wallet maintenance: Free
  • Add money: Bank transfer, Cash, Debit card, Credit card
  • International money transfers
ExploreOpen
Careem Pay product artworkCareem

Careem Pay

  • Add money: Debit card
  • International money transfers
  • Emirates ID required
ExploreOpen
e& money product artworke&

e& money

  • Wallet maintenance: Free
  • Add money: Bank transfer
  • International money transfers
ExploreOpen
Lulu Money product artworkLulu Exchange

Lulu Money

  • International money transfers
  • Emirates ID required
  • For UAE residents
ExploreOpen
Payit product artworkFirst Abu Dhabi Bank

Payit

  • Wallet maintenance: Free
  • International money transfers
  • Payment card
ExploreOpen
Taptap Send product artworkTaptap Send

Taptap Send

  • Wallet maintenance: Free
  • Add money: Bank transfer, Debit card, Apple Pay
  • International money transfers
ExploreOpen
Ziina product artworkZiina

Ziina

  • Wallet maintenance: Free
  • Add money: Bank transfer, Card
  • Payment card
ExploreOpen

Compare UAE bank transfers

Standard plans: the fee for sending AED 1,000 to a UAE bank account, alongside the maximum balance.

AppUAE bank-transfer feeMaximum balance
Al Ansari Exchange
AED 24.26
USD 16,220
botim money
Variable
AED 25,000
Careem Pay
Free
AED 25,000
e& money
AED 5.24
AED 25,000
Lulu Money
Free
AED 50,000
Payit
Variable
AED 25,000
Taptap Send
Free
AED 50,000
Ziina
Free
AED 18,000
AppUAE bank-transfer feeMaximum balance
Al Ansari Exchange
AED 24.26
USD 16,220
botim money
Variable
AED 25,000
Careem Pay
Free
AED 25,000
e& money
AED 5.24
AED 25,000
Lulu Money
Free
AED 50,000
Payit
Variable
AED 25,000
Taptap Send
Free
AED 50,000
Ziina
Free
AED 18,000

Free means no charge for that transfer. See each app for funding fees, other charges and paid plans.

Money transfers

Sending money home?

Compare transfer fees and payout methods for India, Pakistan, the Philippines, Bangladesh, Egypt and Nepal.

Compare money transfers

Frequently asked questions

Choosing and using wallets and money apps in the UAE.

The table compares UAE bank-transfer fees and balance limits on standard plans. Open an app’s page for funding fees, cash withdrawals, other limits and paid plans.

Opening requirements differ by provider. Each app’s page lists its Emirates ID and UAE residency requirements.

Some wallets offer a payment card. Check the product page for card availability, issuance fees, ATM charges and foreign-currency fees.

Use the money transfer comparison to compare bank-account payouts by destination, transfer fee and FX margin.

Free means no charge for the transfer shown. Other services and paid memberships can carry charges. Use the information icon for the transfer conditions.

A provider can charge different fees by destination, payment method or amount. Some offers also have an end date. The information icon explains the fee range, conditions and any scheduled change.

Get notified about UAE latest credit card products

Get notified about UAE latest credit card products