Jaywan UAE — National Card Scheme & Money Transfer
Jaywan is the UAE's national domestic payment card scheme — not for international transfers. Understand what Jaywan is and when to use a remittance provider instead.
Jaywan is not for international transfers. Jaywan is the UAE's domestic payment card scheme for local AED transactions only. For sending AED abroad (India, Pakistan, Philippines, etc.), use a licensed remittance provider — see remit.ae corridor pages.
What is Jaywan UAE?
Jaywan is the UAE's national domestic payment card scheme, developed under CBUAE oversight. It serves as a local payment infrastructure alternative to international card networks for transactions within the UAE.
Jaywan cards are issued by participating UAE banks and accepted at UAE POS terminals and ATMs that support the scheme. The initiative is part of the UAE's broader digital payments strategy to develop indigenous payment infrastructure.
UAE Payment Infrastructure Context
The UAE has been developing domestic payment infrastructure alongside its adoption of international payment standards. Jaywan (card scheme) and Aani (instant bank transfer system) are the two domestic payment rails launched under CBUAE's payments strategy.
For UAE residents sending money abroad, these domestic systems are not relevant. International remittances require a licensed provider with access to correspondent banking networks or FX markets. Remit.ae tracks live rates from providers including Wise, Al Ansari Exchange, Remitly, and LuLu Exchange — see corridor comparison pages.
Frequently Asked Questions
What is Jaywan UAE?
Jaywan is the UAE's national domestic payment card scheme, established under CBUAE oversight. It is a local alternative to international card networks (Visa, Mastercard) for domestic UAE transactions. Jaywan cards are issued by UAE banks and accepted at UAE POS terminals and ATMs that support the scheme.
Can I use a Jaywan card to send money abroad?
No. Jaywan is a domestic UAE payment card scheme and is not designed for international money transfers. To send AED abroad to India, Pakistan, Philippines, or other countries, use a licensed international remittance provider. See remit.ae corridor pages for tracked providers.
Which banks issue Jaywan cards in UAE?
Several UAE banks issue Jaywan-branded or Jaywan-compliant cards. Verify which cards your bank issues by contacting your bank directly or checking centralbank.ae for the current Jaywan participant list.
Is Jaywan accepted internationally?
Jaywan is primarily a domestic UAE scheme. For international card payments or ATM withdrawals abroad, UAE residents typically rely on Visa or Mastercard co-branded cards. Verify international acceptance of any Jaywan card with your issuing bank.
International Transfer Corridors from UAE
Compare all UAE money transfer providers
Live rates, fees, and delivery times for 15+ CBUAE-licensed providers — Al Ansari, LuLu Exchange, Wise, Remitly and more.
Compare providersIndependent · Editorial · No Paid Rankings
Why You Can Trust Us
remit.ae is an independent information platform built for UAE residents and expats. We do not transfer money, hold funds, or operate as a money transmitter.
Our corridor guides, provider pages, and method comparisons are for informational purposes only. Always verify final rates, fees, and availability directly with the provider before sending any funds.
Built for UAE expats and residents comparing money transfer options.
remit.ae provides editorial guidance
based on our
Commissions we may receive never
impact our independence.
About the author
remit.ae Editorial Team
remit.ae Editorial Team publishes independent exchange rate data and provider comparisons for UAE residents. All rate data comes from open.er-api.com (live rates) and Fixer (benchmark reference). No rates, fees, or claims are fabricated — always verify the final rate and fee directly with the provider before sending.
You might also be interested in…
Best Ways to Send Money from Dubai to India in 2025
Sending money from Dubai to India? Compare exchange rates, fees and transfer speeds across UAE exchange houses and digital apps — and find out which option saves you the most AED.
Western Union Review: Is It Still the Best?
An in-depth look at Western Union's fees, exchange rates, and delivery speeds in 2024.
Living in Dubai: The Complete Financial Guide
Everything you need to know about banking, salaries, and sending money home from Dubai.
How to avoid hidden bank fees in UAE
Discover exactly how banks hide their margins in exchange rates and how to avoid them forever.