Aani Terms & Conditions

You can use Aani to send money from your Account, receive money in your Account and to make QR code payments. If you do not agree with any of these Terms, you must stop using Aani and unenroll via the Mobile App if you wish.

All Aani transactions and services are governed by the Central Bank of the UAE (CBUAE) rules, regulations, and guidelines. myZoi reserves the right to discontinue Aani services in compliance with these regulations. Aani services are operated and controlled by Al Etihad Payments, a subsidiary of the CBUAE, and offered to the UAE market by participating banks and licensed financial institutions.

Aani is an instant payment system which allows you to (i) Send money to individuals and businesses, (ii) Receive money into your Account and (iii) Make payments using QR codes at participating merchants. Currently, Aani only supports payments in local currency (United Arab Emirates Dirhams – AED). Foreign currency transactions are not supported, and payments can only be made to Aani-registered beneficiaries.

You must have an active myZoi account, valid Emirates ID or passport and a UAE-registered mobile number to register for Aani. You must complete a one-time registration and account activation process, including linking your Account to Aani. You will need to use same mobile number to connect both your Account and the Aani account.

You may link multiple bank accounts with Aani; however, only one account can be used per transaction. By linking your myZoi Account, you authorize us to debit or credit your Account whenever you use Aani services. You are responsible for ensuring your Account remains active and has sufficient balance.

You may stop using Aani at any time and unenroll via the Mobile App. We may suspend or limit your Aani access if we cannot verify your identity or we reasonably suspect misuse, fraud or illegal activity. We will inform you of such suspension or limitation as soon as we can, unless prohibited by law to do so. Ending your use does not affect completed transactions.

SENDING MONEY THROUGH AANI —

When you send money using Aani, you:

• Authorize us to debit your linked account immediately
• Confirm that recipient details you enter are correct
• Understand that Aani payments are instant and usually cannot be reversed

If you enter the wrong recipient or wrong amount, we may not be able to retrieve the funds. Recall or stop-payment requests are not permitted unless authorized by the beneficiary and their bank; we will assist but cannot guarantee successful recall.

RECEIVING MONEY THROUGH AANI —

When someone sends you money through Aani:

• It will be credited instantly to your linked account
• Funds received in error, fraud, or dispute may be placed on hold or reversed as required by law or participating banks

We may temporarily hold funds if required for fraud or compliance checks.

QR CODE PAYMENTS —

You can pay merchants or individuals by scanning a supported QR code. When you confirm the payment:

• The amount shown will be debited immediately
• You are responsible for checking the amount and verifying the merchant or recipient
• QR code payments through Aani follow the same rules as sending money

Do not scan QR codes from unknown or untrusted sources. QR payments may also be used for services such as split bill.

YOUR RESPONSIBILITY WHEN USING AANI —

You must ensure sufficient funds, accurate beneficiary details, and maintain confidentiality of credentials (PIN, passwords, One Time Passwords, authentication codes and other credentials etc.) relating to the Account and/or Aani. You are responsible for the security of your devices and for all transactions made using your credentials. You must not share their credentials or devices with third parties.

FEES —

myZoi may charge a fee for use of Aani services, with prior notification to you as per applicable laws. We may update such fee from time to time, with prior notification. Such fees will also be displayed in the Schedule of Charges on the myZoi website.

TRANSACTION LIMITS —

Aani payments may be subject to daily or per-transaction limits as determined by myZoi based on regulatory guidelines. Such limits may change from time to time, and we will inform you of such limits before you transact through Aani.