What is Aani? How to Use Aani on the LuLu Money App

Making payments and transferring money should fit easily into everyday life. Whether you’re splitting a bill with a friend, paying someone back, or looking for a convenient way to fund an international money transfer, digital payment solutions can make the process simpler.

That is what Aani is built for. It is the UAE’s instant payment platform, and it enables eligible users to make digital payments quickly, without always needing to exchange lengthy bank account details.

But did you know that Aani is also available through the LuLu Money App? If you’ve heard about Aani but haven’t explored it yet, or didn’t know you could access it through LuLu Money, here’s what you need to know.

What is Aani?

Aani is the UAE’s national instant payment platform, operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE. It was introduced to make digital payments faster, simpler, and more accessible.

With Aani, registered users can send money within the UAE using their mobile number, rather than having to share bank account details or an IBAN for every transfer. Depending on the participating provider and available services, Aani also supports features such as QR code payments, request-to-pay prompts, and bill splitting.

Why is Aani Convenient?

Aani makes everyday digital payments easier in several ways:

• Fast: Send money to eligible recipients within seconds.
• Simple: Use a registered mobile number instead of manually entering bank account details for supported transfers.
• Available around the clock: Make eligible payments at any time, including weekends and public holidays.
• Convenient digital transactions: Access supported payment features through participating banks and payment providers.

For UAE residents who regularly make payments to friends, family, or other recipients within the country, Aani offers a convenient way to move money digitally.

Aani is Already Available on the LuLu Money App

You can use Aani in two ways:

• Sending money in the UAE: LuLu Money Card customers can send money using a recipient’s mobile number or IBAN. They can enrol and use the available Aani features directly through LuLu Money.
• Paying for an international transfer: Aani is a domestic platform, but you can choose it as the payment method to fund a transfer abroad. LuLu Money then sends your money to the destination you selected.

Before you start: To pay with Aani, you need to be registered on the Aani app with your mobile number.

New to LuLu Money? Download the app, register, and explore your options. Curious why customers choose us? Read why LuLu Money is the most trusted app in the UAE.

How to Enrol in Aani (LuLu Money Card Customers)

Getting started is straightforward. If you’re an eligible LuLu Money Card customer, follow these steps to enrol:

• Open the LuLu Money App and find the Aani section or enrolment banner.
• Tap “Enrol Now” and review the terms and conditions.
• Verify your LuLu Money Card account details.
• Authenticate with your registered mobile number and card PIN. You’re enrolled.

Once your enrolment is successful, you can access the Aani services available to you through the LuLu Money App.

How to Send Money Within the UAE with Aani

After enrolment, making a domestic transfer is simple:

• Open “Aani Payment” and choose “Instant Transfer”.
• Select the recipient by mobile number, or enter their IBAN.
• Enter the amount and confirm with your PIN.

Keep enough balance on your LuLu Money Card before you send.

To pay a payment request: Open “Aani Payment”, choose “Payment request”, select the request, review the details, and confirm.

How to Use Aani to Fund an International Transfer

If you’re sending money abroad through LuLu Money, you can also choose Aani as the payment method when it is available for your transaction.

• Open the LuLu Money App and select “Send to bank account.”
• Choose the destination and add/select a recipient.
• Enter the amount, tap “Send now,” and select “Pay via Aani.”
• Select your Aani-registered mobile number, or enter it. Then add the purpose of transfer and source of funds.
• Tap “Total to pay”, then enter your LuLu Money PIN and OTP.
• Accept and confirm the request in the Aani app. You’ll return to the LuLu Money App with your success status.
• Once the payment is confirmed, LuLu Money will process your international remittance according to the destination and transfer service selected.

Want to know how long it takes? Read what TAT means for your transfer.
Sending to India? Here’s how to track it with a UTR number.

How to Unenrol from Aani?

If you no longer need Aani service in your LuLu Money App, you can unenrol in a few steps:

• Open the LuLu Money App.
• Navigate to the “Customer Profile” page.
• Select the “Aani” option.
• Choose the “Unenrollment” option.
• Confirm the action by entering the OTP sent to your registered mobile number.
• Once completed, you will be unenrolled from Aani.
• Make Everyday Payments Simpler with LuLu Money

Convenience often comes from knowing which tools are already available to you. Aani is one such option for eligible customers in the UAE, offering a quick way to make supported digital payments.

If you’re already using LuLu Money, take a moment to explore the Aani section in your app. And if you’re new to LuLu Money, discover how its money transfer services and integrated Aani functionality can help make your digital transactions more convenient.

Explore Aani on the LuLu Money App and make the most of the payment options available to you.

Frequently Asked Questions

1. What is Aani in the UAE?

Aani is the UAE’s national instant payment platform, operated by Al Etihad Payments, a subsidiary of the Central Bank of the UAE. It enables eligible users to make supported digital payments quickly, including transfers using a registered mobile number.

2. Is Aani available on the LuLu Money App?

Yes. Aani is integrated into the LuLu Money app. LuLu Money Card customers can enrol and send money within the UAE. International transfers can use Aani as the payment method.

3. How do I activate Aani on the LuLu Money App?

Open the LuLu Money App, navigate to the Aani section or enrolment banner, and tap “Enrol Now”, accept the terms, verify your details, and authenticate with your mobile number and card PIN.

4. Can I send money to someone in the UAE using Aani?

Yes. Eligible LuLu Money Card customers can make domestic transfers using a recipient’s mobile number or IBAN, subject to the available service and applicable requirements.

5. Can I use Aani to send money abroad?

Aani is a domestic platform, but you can use it to pay for eligible international transfers through LuLu Money. The transfer itself is processed by LuLu Money’s remittance service, and applicable charges depend on the transaction and payment method.