UAE Banks Roll Out In-App Approvals, Strengthening Digital Payment Security

Tuesday, 20 January 2026

UAE banks are introducing in-app transaction approvals in place of SMS OTPs, offering residents a more secure and transparent way to authorise payments amid growing awareness around digital safety.

Key Highlights:

UAE banks are shifting from SMS-based OTPs to in-app transaction authentication for cards and online payments
The move enhances payment transparency, allowing customers to review transaction amounts before approval
Residents describe the new system as a positive step towards stronger digital security
In-app approvals help reduce exposure to phishing and social engineering risks
Users can authorise payments only after opening their banking app, adding an extra verification layer
Customers report greater confidence as transactions cannot proceed without active in-app confirmation
While some users find the process slightly longer, many appreciate the added reassurance and control
Multiple UAE banks, including leading local institutions, have already implemented the system
The transition reflects the banking sector’s focus on customer protection and safer digital experiences