Starting July 25, 2025, UAE banks will begin phasing out SMS and email-based OTPs (One-Time Passwords) in favor of in-app banking authorisation — a safer and more streamlined way to confirm your online transactions. This move follows the UAE Central Bank’s new guidelines, with a complete switch expected by March 2026.
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What Is In-App Banking Authorisation?
Rather than receiving a code via SMS or email, you’ll now approve your transaction directly through your bank’s mobile app. Once a payment or transfer is initiated, a push notification pops up. Simply tap the alert, view the transaction details, authenticate with your fingerprint, Face ID, or PIN, and approve — all in seconds.
No more switching apps.
No more manually entering codes.
Total control, all in one place.
Why Are UAE Banks Moving Away from SMS OTPs?
SMS and email OTPs have long been a weak point in digital security. Cybercriminals have found ways to intercept, spoof, or trick users into revealing them.
Here’s why in-app authentication is better:
- Stronger Protection Against Phishing
Only works inside the official app, making fake OTP scam websites useless. - No SIM-Swap Vulnerability
Doesn’t rely on your mobile number, reducing fraud risk. - Biometric Security
Uses Face ID, fingerprint, or device PIN for added layers of safety. - Full Visibility
See the amount, recipient, and purpose before approving — no blind approvals.
What Makes In-App Approval More Convenient?
- One-tap approval using biometrics
- Works even with weak or no mobile signal
- All-in-one: notification, verification, and approval in a single app
How to Activate App-Based Authentication
Most major UAE banks — including Emirates NBD, ADCB, FAB, and Mashreq — already support this feature. To activate it:
- Update your bank’s app
- Go to security settings
- Enable biometric login
- Turn on Smart OTP or App-Based Authorisation
Need help? Visit your bank’s website or contact customer service for guidance.
Final Word from Day to Day Blogs
With digital banking becoming a part of everyday life in the UAE, switching to in-app authentication isn’t just smart — it’s essential. It means fewer delays, fewer risks, and greater control over your money.
Make sure you’re ready before March 2026, when SMS OTPs will be fully retired. If your banking app asks you to switch to Smart OTP or in-app approval — say yes.
Stay safe. Stay updated. And as always, follow Blogs by Day to Day for the latest updates across UAE lifestyle, tech, and finance.
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