UAE App Based Payment Shift Ends SMS OTPs From January 6
The UAE will introduce a major digital payment update from January 6, 2026. This app based payment shift will end SMS One Time Passwords for online card purchases. Banks informed customers about the change on December 31, 2025.
However, the update applies to everyone using online card payments. From the announced date, banks will no longer send OTPs through text messages. Instead, users must verify payments using official banking apps. As a result, mobile apps will become the only verification method.
How Online Payments Will Work Now
Customers must complete transactions through their bank’s mobile application. For example, a payment request will arrive as an app notification. Users will need to open the app and approve the transaction instantly.
Therefore, SMS verification will no longer support online purchases. Banks strongly encourage customers to install their official apps. In addition, users should activate notifications without delay. This step ensures smooth payments and avoids failed transactions.
Why the UAE Is Making This Change
The app based payment shift supports the UAE’s digital transformation goals. This process began last year across financial services. bFrom July 2025, banks started limiting SMS and email verifications. Gradually, app based security replaced older methods. The UAE Central Bank directed banks to adopt stronger safeguards.
As a result, app verification became the preferred option. Bank officials explained that mobile apps reduce fraud risks. They also prevent problems caused by delayed or fake messages. Moreover, app based systems offer faster approvals and better control. This approach protects users and improves overall payment reliability.
What Customers Should Do Next
Customers should download their bank’s official mobile app immediately. They must also complete registration and enable push notifications. Updating apps regularly will help avoid service interruptions.
Therefore, preparation is key before January 6 arrives. This update supports safer and smarter digital payments. Most importantly, it ensures a more secure online experience for everyone.
