Jaywan UAE — National Card Scheme
Jaywan is the UAE's national domestic debit card scheme, backed by the Central Bank of the UAE. Learn how it works and how it fits into UAE's money transfer ecosystem.
UAE National Payment Infrastructure
The UAE has built a comprehensive national payments ecosystem under the supervision of the CBUAE. Jaywan and AANI are the two key components:
UAE national debit card scheme. Physical card accepted at UAE merchants and ATMs. UAE equivalent of India's RuPay.
UAE instant payment platform for real-time bank-to-bank transfers. Similar to India's UPI or UK's Faster Payments.
Learn more →Jaywan is designed for domestic UAE payments. If you need to send money abroad from UAE, use CBUAE-licensed exchange houses (Al Ansari, LuLu Exchange) or digital apps (Wise, Remitly). Compare options on remit.ae before sending.
Frequently asked questions
What is Jaywan UAE?
Jaywan is the UAE's national domestic card payment scheme, launched by the Central Bank of the UAE (CBUAE) and operated by AANI & DAPI Company. It provides a UAE-branded debit card accepted at UAE merchants and ATMs. Jaywan is the UAE equivalent of India's RuPay or Saudi Arabia's Mada.
Can I use Jaywan for international money transfers?
Jaywan is primarily a domestic card scheme for UAE payments. It is not designed for international remittances. For sending money abroad from UAE, use CBUAE-licensed exchange houses (Al Ansari Exchange, LuLu Exchange) or digital remittance apps (Wise, Remitly). Some UAE banks may allow funding international transfers via a linked Jaywan card — check with your bank.
What is the difference between Jaywan and AANI?
Jaywan is the UAE's national debit card scheme — it is a physical card accepted at UAE merchants and ATMs. AANI is the UAE's instant payment system for real-time bank-to-bank transfers. Both are part of the UAE's national payments infrastructure managed by the CBUAE, but they serve different functions: Jaywan for card payments, AANI for instant transfers.
Is Jaywan accepted internationally?
Jaywan is a domestic scheme and is not widely accepted outside the UAE. For international payments, UAE residents typically use Visa, Mastercard, or dedicated international remittance services. Check with your issuing bank for the latest Jaywan acceptance status.
Send money internationally from UAE
Use CBUAE-licensed providers for international transfers:
remit.ae is an independent comparison platform. Jaywan information is for educational purposes. Our methodology.