Top Financial Apps Every UAE Resident Should Use in 2025

Wednesday, 2 July 2025

Managing finances in the UAE has become easier and smarter thanks to the rise of innovative financial apps. Whether you’re saving for your dream villa in Dubai, keeping track of monthly expenses in Abu Dhabi, or investing in global markets from Sharjah, there’s an app designed to simplify your financial life.

Table of Contents

• Mint – All-in-One Personal Finance Hub
• YNAB (You Need A Budget) – Master Every Dirham
• Sav – UAE’s Homegrown Financial Assistant
• ADCB MoneyBuddy – Smarter Banking with ADCB
• Wally – Take Control of Your Spending
• Frequently asked questions

1. Mint – All-in-One Personal Finance Hub

Mint is a long-standing favorite among users worldwide and remains relevant for UAE residents who want a consolidated view of their finances. The app pulls data from your bank accounts, credit cards, and investment portfolios to offer a real-time snapshot of your financial health.

Why It’s Useful:

• Seamless Integration: Automatically syncs with multiple financial institutions to keep all your transactions in one place.
• Dynamic Budgeting: Lets you create personalized spending plans and keeps tabs on your performance.
• Bill Management: Sends timely reminders for upcoming bills, helping you avoid late fees.
• Investment Monitoring: Allows you to track how your portfolio is doing.
• Tailored Financial Advice: Offers insights and suggestions based on your spending habits.

Mint is ideal for anyone seeking a centralized and automated tool for holistic money management.

Available on: iOS & Android

Cost: Free

2. YNAB (You Need A Budget) – Master Every Dirham

YNAB takes budgeting to a whole new level with its proactive, zero-based budgeting system. The app encourages users to give every dirham a purpose, ensuring you don’t just track spending — you control it.

Why It’s Useful:

• Zero-Based Strategy: Assigns your income to specific spending categories, eliminating “extra” or impulsive spending.
• Goal-Oriented Planning: Helps you break down big financial dreams into achievable targets.
• Detailed Financial Reports: Offers an insightful breakdown of where your money is going, helping you adjust course.

Perfect for disciplined budgeters or those who want to develop healthier money habits, YNAB is like a digital financial coach in your pocket.

Available on: iOS & Android

Cost: Subscription-based (Free trial available)

3. Sav – UAE’s Homegrown Financial Assistant

Sav is a UAE-developed personal finance app designed to simplify budgeting, saving, and investing for local users. Though not a licensed bank, the app is guided by a team of financial experts and provides a robust toolset for everyday money management.

Why It’s Useful:

• Category-Based Budgeting: Set and manage monthly spending limits tailored to your lifestyle.
• Savings Milestones: Create and track short- or long-term savings objectives — whether it’s a trip to Europe or a new car.
• Investment Overview: Stay informed on your portfolio performance with easy-to-understand metrics.
• Expert Advice: Receive recommendations and strategies based on your specific financial behaviors and goals.

For UAE residents looking for localized features and hands-on guidance, Sav is a fantastic option.

Available on: iOS & Android

Cost: Free (Premium services optional)

4. ADCB MoneyBuddy – Smarter Banking with ADCB

Abu Dhabi Commercial Bank (ADCB) has modernized the digital banking experience with its MoneyBuddy app — a platform designed to go beyond balance checks and transfers. It provides users with intelligent tools to manage, plan, and improve their financial well-being.

Why It’s Useful:

• Instant Account Access: Quickly view your account balance, recent transactions, and spending patterns.
• Integrated Bill Payments: Settle all your major bills — DEWA, Etisalat, Salik — within the app.
• Built-in Budgeting: Define spending categories and monitor how well you stick to your targets.
• Personalized Insights: Get data-driven recommendations to help reduce waste and optimize your savings.

If you already bank with ADCB, MoneyBuddy offers a seamless way to combine banking and budgeting in one powerful app.

Available on: iOS & Android

Cost: Free (for ADCB customers)

5. Wally – Take Control of Your Spending

Designed for global citizens and UAE expats alike, Wally is one of the most visually intuitive personal finance apps out there. It’s perfect for users who want full control over their budgets without being overwhelmed by complexity.

Why It’s Useful:

• Multi-Currency Support: Great for users who juggle AED with USD, EUR, or other currencies.
• Spending Categorization: Track where your money is going — groceries, rent, entertainment, and more.
• Receipt Scanner: Just snap and save — Wally turns your receipts into useful data.
• Bank Syncing: Link your bank account for real-time financial tracking.

If you want a hands-on, customizable tool that blends aesthetics with practicality, Wally is a solid pick.

Available on: iOS & Android

Cost: Free with optional premium plans

In a fast-paced country like the UAE, where digital innovation leads every sector, managing your finances through apps isn’t just a convenience — it’s a necessity. Whether you’re budgeting your salary, investing for the future, or building a business, these financial apps can help you stay ahead.