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7/7/25, 5:08 PM Sending money without a bank account in the UAE — here’s how it works
In today’s age, transferring money without a bank account can be quite a

hassle, especially in Gulf countries where not everyone qualifies for one.

However, some platforms offer options for transferring money in the UAE for

people without bank accounts.

Residents in the UAE who don’t have a traditional bank account can now access a

rapidly growing number of digital solutions that make it easier to monitor their

finances and transfer money across borders.

Here are some of the top digital options:

myZoi

A UAE-based fintech platform is known for its low-cost money transfers. Its

standout feature is “One-to-Many” transfers, which allow users to send money to

up to five people in a single transaction — perfect for supporting large families.

e& money (formerly Etisalat Wallet)

Provides services like international remittances, bill payments, and mobile

recharges — without a bank account.

Botim Pay

This feature is included in the Botim app and allows you to send money to popular

countries like India, Pakistan, the Philippines, and Egypt.

Careem Pay

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