Himma Tools · Live tracker

Open finance in the UAE:
which banks are actually live?

The UAE is switching on open financeOpen finance: a regulated system that lets you share your bank and insurance data with licensed apps, and let those apps start payments for you, always with your explicit consent.: the CBUAE framework, branded AlTareq, running on the NebrasNebras Open Finance: the central-bank entity (under Al Etihad Payments) that operates the API hub, trust framework and consent system every bank and app must plug into. platform. This board tracks which banks are live, which are onboarding, and what it unlocks.

Status data as of July 2026 · last reviewed 2 July 2026 · compiled from CBUAE, Nebras/AlTareq and bank announcements

Banks live (confirmed)
–
publicly announced & verifiable
Onboarding / mandated
–
required to join, not yet confirmed live
Status pending
–
no public signal either way
First live consumer payment
Jan 2026
Ziina × Lean, via the AlTareq rails
The status board · as of July 2026

UAE banks on the CBUAE Open Finance frameworkiData-sharing APIs let licensed apps read your balances and transactions with your consent. Service-initiation APIs let those apps start payments straight from your bank account.

BankStatusiLive: customers can connect through licensed apps today. Onboarding: mandated to join, integration under way. Pending: no public signal either way.Rollout waveiThe CBUAE has not published a per-bank wave list. Early cohort reflects the observed go-live order within the Phase 1 mandate, which covers banks and insurers.Notes
Live: customers can connect today Onboarding: mandated, integration under way Pending: no public signal
01The rollout, plotted

From regulation to live payments in three years.iMost markets took close to a decade to move open banking from law to live payments. The UAE compressed it: one regulation, one central platform, one consumer brand.

Done Announced / next
Sources & methodology

Bank statuses are compiled from official bank open-finance pages (CBD, ADIB, FAB, DIB, Mashreq), Nebras/AlTareq materials and press coverage, including the first consumer payment (Ziina with Lean, January 2026). The framework: CBUAE Open Finance Regulation (Circular No. 7 of 2023, amended by Circular No. 3 of 2025, in force 10 July 2025), part of the CBUAE Financial Infrastructure Transformation (FIT) Programme. The platform is operated by Nebras Open Finance under Al Etihad Payments. Consent rules also draw on the UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021). Last reviewed 2 July 2026.

Disclaimer

This tracker is an educational resource, not financial, legal or tax advice, and is not affiliated with the CBUAE, Al Etihad Payments, Nebras Open Finance or any bank named. Bank statuses reflect public information as of July 2026 and can change without notice; entries marked “unconfirmed” could not be verified from a public source. Always verify current status and terms directly with your bank or the regulator before acting.

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