Al Ansari Wallet, developed by Al Ansari Digital Pay L.L.C (“AADP”), a subsidiary of Al Ansari Financial Services P.J.S.C, licensed and regulated by the Central Bank of the UAE (CBUAE) is a digital wallet designed with the unbanked user in mind, offering a secure, user-friendly environment for seamless peer-to-peer transfers, international remittances, merchant payments, bill payments, and a range of digitally enabled services. Fueled by a commitment to financial inclusion and the government’s ‘cashless society’ initiative, Al Ansari Wallet empowers users with the tools to make informed financial decisions, providing easy access to funds and transaction history. This wallet is not just a platform but a testament to Al Ansari Financial Services’ dedication to leveraging state-of-the-art technology for essential financial services, ensuring a secure and efficient platform for the evolving needs of its users.
Please read these Terms and Conditions carefully before using Al Ansari Wallet. By clicking accept, you acknowledge that you have read, understood and agree to be bound by these terms and conditions. For your future reference, you can review these Terms and Conditions on our website, www.alansariwallet.com.
Al Ansari Digital Pay L.L.C is licensed and regulated by the Central Bank of the UAE (CBUAE). Its registered office address is Al Ansari Business Center, Level 8, Al Barsha, P.O. Box – 6176, Dubai, United Arab Emirates.
The following words and phrases have the meaning set out below unless the context indicates otherwise:
To access AADP services, you should download the AAW App and you are requested to read and agree to our Privacy Policy and these Terms. We advise you to save a copy of both Privacy Policy and these Terms for your records.
By installing, accessing or using the AAW App or its services, you agree to adhere to and be bound by these Terms.
We may update these Terms or modify the AADP services from time to time. You will be notified via email or push notification or the AAW App, or our website (www.alansariwallet.com) and also a pop-up message will be sent to you, where your consent will be recorded. Any changes limit your rights or increase your obligations, we will notify you at least 30 Calendar days prior to the changes taking effect. Other updates will become effective immediately upon notification.
If you disagree with any of our changes to the Terms, you must immediately stop using the AAW account or services with us. By continuing to use the AADP services after any changes to these Terms, you then agree to abide and be bound by those changes.
We may also request your acceptance of additional terms and conditions for new services, which will be communicated through the AAW App.
In the event of a breach of these Terms, we reserve the right to disable your AAW account and block your access to our services immediately. You will neither be allowed to create a new account, nor access the AADP services, without our permission.
Registering on AAW requires the following conditions to be met:
The personal data will be used in accordance with applicable laws and our regulatory obligations. We request you to read our Privacy Policy to understand the usage of your personal data. Privacy Policy
AAW App offers various services and features not limited to those listed below. AADP reserves all the rights to make changes to the services and features at any time without prior notice or consent from you. For the latest features, you are advised to check the website.
| Services/Features |
| Local and International Remittance |
| Local Bill Payments |
| International Mobile recharge |
| Transaction History |
| Remittance Rate Calculator |
| Wallet to Wallet transfers |
| Merchant Payment via QR codes |
The fees and charges for transactions are displayed at the time of initiating a transaction. VAT applicable on the transactions is also displayed. By proceeding with the transaction, it is understood that you have agreed to the applicable charges for the transaction. To view the approximate service charges kindly click on the Key Fact Statement link. {KFS link to be added here.}
AADP may send specific and timely notifications via email, pop-up screen on your mobile device, web browser or SMS. You acknowledge that notifications may be delayed or prevented due to factors beyond our control, such as network issues, technical difficulties, or service provider limitations. We cannot guarantee the delivery, timeliness, or accuracy of notifications. We will not be liable to you for any losses, damages or expenses arising from:
Powered by Al Ansari Exchange – For Terms & Condition of remittance Transactions, please refer to – Terms and Conditions – Al Ansari Exchange | Key Fact Statement-Al Ansari Exchange | Privacy Policy – Al-Ansari Exchange alansariexchange.com). Websites: Al-Ansari Exchange (alansariexchange.com) and any other channels such as social media, information and promotion issued from their end.
Any complaints, queries, feedback on remittance services or reports of fraud incidents of remittance can be raised through our official email address, [email protected], or by calling our call center at 600546000
WPS Payroll Account: The account, maintained with Al Ansari Exchange, serves as the designated payroll account for the purpose of processing salary transfers via the Wage Protection System (WPS). It accommodates both Payroll and PayPlus Cards.
The user can view all merchants, their information and their locations nearby. To access the merchant’s location, the user must allow permission to share the customer location by clicking on the merchant’s button located on the bottom bar of AADP.
We reserve the right to block your AAW account or services based on the following instances.
(a) Instruction by the CBUAE or as required by law enforcement authorities.
(b) To comply with a court order.
(c) To recover unpaid fees owed to us.
(d) Evidence of dishonest, fraudulent, or criminal activity.
(e) Evidence of death.
We reserve the right to seize funds in compliance with a court order, instruction from the CBUAE, law enforcing authorities or legal processes, and/or reverse a transaction.
Important Notice: AADP will not be liable for any loss or costs incurred upon acting on your instructions. Such losses will be incurred and borned by Customers.
Important Notice: Refunds for transactions made with your AAW account will be processed to the customer’s used wallet within 2 business days. When you make a purchase using your AAW account and the transaction is ultimately refunded due to any glitch, the payment will be refunded to the same payment method you used for the transaction.
4.13.1 You must take all reasonable precautions to keep the device, AAW account, and security information such as PIN code, login credentials and password secure to prevent any fraud, misuse or unauthorised transactions. All transactions are secured with two-factor authentication (2FA). Additionally, the customer will also log in via their mobile number and wallet PIN.
4.13.2 If your AAW account login details are lost, stolen, or compromised, or if you suspect that the account has been cyber attacked/hacked, you must immediately contact our call center 600506005 or email us at [email protected].
4.13.3 If you suspect any unauthorised transactions from your AAW account, or any unrecognized or incorrect transactions in the statement, you must report to us immediately by contacting our call center 600506005 or email us at [email protected], and no later than 30 business days from the transaction date. We will inform you of your options to mitigate any further risks associated with the account.
Other than expressly provided for in this T&C, you shall not directly or indirectly reproduce, copy, alter, edit or otherwise modify or make or cause to be made any imitation of the technology or , attempt to acquire any rights in connection with the Trademarks or other intellectual property of us. The use by Licensee of the Trademarks shall not in any way create in Licensee any right, title or interest in or to the trademarks or any of the intellectual property of us
4.15.1 The user agrees not to reproduce, duplicate, copy, imitate or re-sell all or any part of the AADP services, the AAW App and/or the website www.alansariwallet.com and any content thereon, without obtaining prior written consent from Al Ansari Digital Pay (AADP).
4.15.2 The user agrees not to use the AADP services, the AAW App and/or the website www.alansariwallet.com:
To the extent permitted by applicable laws:
You irrevocably and unconditionally acknowledge and agree that:
4.18.1 We reserve the right, at any time and for any reason, to close your AAW account. 60 calendar days’ notice for closure of account will be provided via SMS, email or the AAW App.
4.18.2 You may request to close your AAW account at any time and for any reason by contacting us through our Contact Page or via the AAW App. A final account statement will be issued within seven business days of receiving your request and upon closure of account. Alternatively, you can email us at [email protected].
4.18.3 If there are remaining funds in your account, you will be required to utilise the balance or cash out at any Al Ansari Exchange branch.
4.18.4 These Terms will automatically terminate once your AAW account has been closed.
4.18.5 For closure of your AAW account you will receive a written confirmation that your account has been closed or deactivated.
4.18.6 If you owe any outstanding balances, we reserve the right to keep your AAW account open until the amount is recovered or settled.
4.18.7 In case you lose access to your mobile phone or if your mobile number is reassigned to another user, your AAW account will be inactivated. To reclaim access, you will be required to provide an original Emirates ID and a valid mobile number. You can either:
4.18.8 If no transactions are performed on your account for one year (or a period specified by AADP, subject to applicable laws), your account will be considered dormant. You will be notified, and we may reject transactions or restrict access to the dormant account. Please contact us via the AAW App, our Customer support, or email us at [email protected] to reactivate your dormant account or claim funds.
4.19.1 These Terms, as amended from time to time in accordance with the provisions contained herein, together with any other documents referenced or linked to these Terms (including but not limited to the Privacy Policy), constitute the entire agreement between you and AADP regarding your use of the AADP services, the AAW App and/ or the website.
4.19.2 AADP’s delay or failure to act following any breach by you of these Terms shall not prevent us from exercising our rights or remedies at a later date. Any attempt by you to waive any of these Terms is not permitted without our prior written consent.
4.19.3 These Terms do not give any third party any rights, meaning they are only enforceable by you and us.
4.19.4 If any provision of these Terms is deemed illegal or unenforceable, then that provision shall be deemed severable from our Terms and shall not affect the validity and enforceability of the remaining provisions.
4.19.5 Any notice you are required to give us under these Terms should be sent to our Contact Page or emailed to us at [email protected]. Any notice we are required to give to you may be sent to you via an outbound call, the AAW App, our website www.alansariwallet.com and/or to the email address or mobile number linked to your AAW account.
4.19.6 You will comply with all applicable laws and regulations with respect to the AADP services in the UAE and in the country of use.
As part of the AAW App offering, Transaction History will be available for viewing purposes. However, this is provided for reference only and should not be considered legal proof of transactions. The transactions listed may not be comprehensive or completely accurate due to differences in customer profile information during the course of the customer relationship with AADP. You must make a formal request to the AADP for a statement of transactions made at AAW.
AADP has the right to inactivate the profile of a customer without any intimation, due to an untimely response or insufficient or inaccurate information provided by the customer and matters related to AML Compliance Policies and Procedures of AADP. AADP will not be liable for any consequences arising out of such inactivation. Any transaction in process at the time of profile inactivation will be processed as per the terms and conditions associated with the said service. A customer can request the inactivation or closure of his/her profile submitting a formal request through the AAW App, Customer support & email.
You must maintain and update/upgrade all software, hardware and/or equipment, as applicable from time to time, to avail, access and use the services of AADP and be compatible with AADP at your own risk. You undertake to ensure that mobile phones you use to access AADP are free from malware, viruses, Trojans or other internet contaminants. AADP may change, vary or upgrade its software, hardware or operating systems at any time. We are not obligated to support your software or hardware, and it is your sole responsibility to ensure compatibility. AADP will not be liable for any losses that may be suffered by you as a result of any incompatibility between the service software and mobile phone from which you may use to access the service or non-use of the Service due to such incompatibility issues. The digital platforms are provided “as is” without any warranties of any kind. To the fullest extent permissible under applicable laws, AADP disclaims all such warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, freedom from errors, suitability of content or availability.
You agree not to engage in any of the following activities:
AADP will maintain records of transactions, KYC information, customer feedback or complaints as mandated by the law and regulations. AADP has an obligation to retain your data for a minimum of five years after you cease to be a user or from the date of the transaction. The period of retention for such records will be in the sole discretion of AADP as per statutory regulation or our internal policy. You hereby agree that you will not challenge or dispute the admissibility, reliability, accuracy or authenticity of the contents of such records merely on the basis that such records were set out in electronic form, and you hereby waive any rights to object.
You will be responsible for the correctness of information supplied by you to AADP through the AAW or through any other means such as electronic mail or written communication. AADP accepts no liability for the consequences arising out of erroneous, incorrect or incomplete information supplied by you. If you suspect that there is an error in the information supplied by you, you will advise AADP as soon as possible. AADP will endeavor to correct the error wherever possible on a ‘best effort’ basis.
AADP places utmost importance on the privacy and protection of clients and considers this to be a critical part of the services rendered. You accept that all information or instructions that will be shared by you shall be governed by the AADP Privacy Policy. This policy can be found on www.alansariwallet.com/privacy-policy.
You hereby consent to AADP’s collection, use, disclosure and processing of information in accordance with AADP’s Privacy Policy and these Terms and Conditions.
AADP processes your personal data for each transaction/payment, as far as necessary, during the entire duration of the business relationship as well as in accordance with the mandatory record retention as required by the law.
As part of our KYC process, you must provide us with all personal details that are necessary to be recorded in our system to maintain the business relationship with you and also any additional data that we are required by the law to collect or by the requirement of our correspondent banking agents. If you do not provide us with such data, we cannot proceed further with your membership registration or execute any payments or transactions.
By accepting this terms and conditions you are confirming that you are consenting to AADP for recording/processing your personal data for the following purposes:
AADP has the exclusive right to assign or transfer its rights and obligations under the terms to anybody or any entity of its choice in whole or in part and in such manner and on such terms and conditions as AADP may decide. Any such assignment or transfer will conclusively bind you and all other persons. You are not entitled to assign or transfer any of your rights and obligations under these Terms and Conditions to any third party without prior written consent of AADP.
You agree and undertake to fully indemnify and hold harmless AADP, its affiliates, service providers, subcontractors, and agents, and to hold each of the aforementioned parties harmless, from and against all liabilities (including settlement sums), losses, charges and expenses (including legal fees and disbursements on a solicitor-client basis), claims, demands, actions and proceedings which AADP, its affiliates, service providers, subcontractors and agents may incur, suffer or sustain directly or indirectly from or by reason of or in relation to the use, misuse or purported use or misuse of AADP, and will pay such monies to AADP upon its demand.
AADP may, by notice through AAW or by such other method of notification as it may designate (which may include notification by way of email), vary these Terms and Conditions, whereupon such a variation will take effect on the date specified by us (which will generally be no less than thirty (30) Calendar days from the date of the notice). If you use AAW, including any new services after such date, you are deemed to have accepted such variations and such amended Terms and Conditions will be binding on you. If you do not accept the variation, you must stop using AAW. AADP has the right to vary these Terms and Conditions in the manner aforesaid without the consent of any person or entity who is not a party to these Terms and Conditions.
If at any time any provision of these Terms and Conditions is or becomes, invalid or unenforceable in any respect, the legality, validity and enforceability of the remaining provisions of these Terms and Conditions will not be affected or impaired thereby and will continue in force as if such illegal, invalid or unenforceable provision were severed therefrom. Waiver of any of the covenants to be performed by you or any breach by you will not be construed to be a waiver of any succeeding breach by you or of any other covenant. Our rights and remedies in these Terms and Conditions are cumulative and not exclusive of any other rights or remedies provided by law.
You hereby authorise AADP to send promotional messages from time to time through various channels like Push Notifications, SMS, and/or email. AADP is entitled to send you notifications related to your access and use of the AAW App, as well as updates on related services.
Electronic delivery may occur via email, as an attachment, or through a downloadable content from the AADP. AADP will be deemed to have fulfilled its legal obligation to deliver to you any document if such document is sent via electronic means. Failure to advise AADP of any difficulty in opening a document so delivered within twenty-four (24) hours after delivery will serve as an affirmation regarding the acceptance of the document.
Alerts sent via SMS will only be directed to your registered mobile number. All communication by AADP will be in English and Arabic and will be sent to your email address as per our records or through electronic services, mobile or other electronic media. When necessary, AADP may also communicate through press, radio, television, the internet, or any other media at its discretion. Any communication from AADP to you will be deemed to have been received by you and complete:
Customers can contact AADP through the Contact Us page in the AAW App, our call center at 600506005 or email at [email protected] for registering feedback or complaints. AADP reserves the right to investigate complaints regarding the use of AAW or reported violation of these terms and to take any action deemed appropriate, including, but not limited to reporting any suspected unlawful activity to law enforcement officials, the appropriate authorities or regulators and disclosing any information necessary or appropriate to such officials, authorities or regulators, whether located in the UAE or outside the UAE.
These Terms and Conditions for the AADP shall be governed by and construed in accordance with the Federal laws of the UAE. Any disputes arising out of or in connection with these T&Cs will be settled by the exclusive jurisdiction of the Dubai courts.
For Terms & conditions of AADP’s vendors/service providers, please refer to T&Cs on their websites & any other channels such as social media, information and promotion issued from their end.
Electronic Signature (hereinafter referred to as ‘eSignature’) shall have the meaning ascribed under Federal Law No. (1) of 2006 On Electronic Commerce and Transactions or its subsequent amendments thereto. The following terms and conditions apply to your use of eSignature across the application/platform.
Do not agree until you have read the above Terms and Conditions.
By my agreement below, I confirm that I have read, fully understand and accept all terms and conditions.
Any complaints, queries, feedback on our services or reports of fraud incidents can be raised through our official email address, [email protected], or by calling our call center at 600506005.
