UAE Banking SMS OTP Phase Out
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UAE Banks Phase Out SMS OTPs and Emails Starting July 25

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Starting July 25, 2025, the Central Bank of the UAE instructed all lenders to stop sending one‑time passwords via SMS and email. This UAE Banking SMS OTP Phase Out is rolling out gradually, with complete enforcement by March 31, 2026.

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Why UAE Banks Are Saying “No More OTPs” 📲🚫

Banks want to tighten digital security against SIM‑swap, phishing and interception attacks—so they’re replacing codes you copy‑and‑paste with in‑app approvals you just tap.

Here is the Phase‑Out Schedule ⏰

Phase Date What Happens
Start of Phase‑Out July 25, 2025 SMS/email OTPs still work, but new logins push you to the app.
Mid‑Transition Late 2025 Most banks request in‑app confirmation for all online & money transfers.
Full Phase‑Out March 31, 2026 UAE banks stop sending OTPs via SMS and email—in‑app only.

  1. No more OTPs: You’ll no longer see codes arrive in your inbox or messages.

  2. In‑app confirmation: When you pay bills, transfer money or shop online, your bank app sends a push.

  3. Biometric or PIN: Tap “Approve” with your fingerprint, Face ID or a simple PIN.

  4. Always‑on updates: Keep your mobile app up to date and notifications switched on.

If you haven’t yet opened a UAE bank account, check our guide on how to open a bank account in UAE for step‑by‑step help.

OTP vs. In‑App: A Side‑by‑Side 🔒✅

Feature SMS/Email OTP In‑App Approval
Security Vulnerable to SIM‑swap & phishing Biometric and encrypted push notifications
Convenience Copy & paste code One‑tap confirm
Cost for Banks Recurring SMS fees App development & maintenance
User Experience Typing errors, delays Seamless, real‑time

  1. Update your banking app. Check for the latest version of Emirates NBD, Mashreq, ADCB or FAB mobile app.

  2. Enable push notifications. Look under Security > Authentication > App‑based authorisation.

  3. Register biometrics/PIN. If it’s your first time, follow the in‑app prompts.

  4. Learn more:

FAQs 🤔

Q1. Will I ever see an OTP via SMS again?
Only until March 2026. After that, all transactions require the app.

Q2. What if my phone is lost or stolen?
Contact your bank immediately. They’ll freeze app access and help you set up on a new device.

Q3. Can I still use internet banking on desktop?
Yes—when you initiate a transaction online, you’ll receive an in‑app push on your mobile to approve it.

Beyond Banking: Related UAE Guides 🌍

And many more in our “All about travelling or immigrating to UAE” guide!

Concluding Thoughts 💬

The uae banks otps phase out today marks a big leap toward faster, safer banking. No more waiting for codes—or worrying they’ll be intercepted. Embrace the app‑based world, and you’ll enjoy smoother transactions, stronger security, and the convenience of in‑app confirmations.

Have questions? Drop them below or explore our detailed article on UAE banking system stopped SMS OTPs and Emails.

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