New Rule: UAE Banks to Stop OTPs via SMS and Email from July 25
In a major update, UAE banks will stop sending one-time passwords (OTPs) via SMS and email starting July 25, 2025. Instead, they will use mobile banking apps for all verification steps. This change is part of a wider effort to boost digital security and reduce fraud.
Why Is This New Rule Important?
This new rule by UAE banks aims to make banking safer. Right now, many people get OTPs via SMS or email to complete online transactions. However, SMS and email can be risky because hackers can steal those codes. That’s why banks are switching to app-based verification.
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Starting July 25, users must use their bank’s official mobile app to receive OTPs or approve transactions. This will help reduce scams like SIM swapping and email hacking.
What Will Change?
From July 25, 2025, banks will stop sending OTPs via SMS for new transactions. Instead, you will get a notification from the mobile app to confirm your payment. You just tap on the app to approve or reject it.
However, don’t worry if you still use SMS OTPs. The full phase-out will take time. By March 2026, all banks in the UAE must completely stop using SMS and email OTPs. That gives customers time to adjust to this new system.
How Should You Prepare?
To get ready for this change:
- Download your bank’s official app.
- Make sure it’s the latest version.
- Enable notifications.
- Learn how to use in-app verification features.
If you are unsure, visit your bank’s branch or contact customer support. Bank staff will guide you through the process.
What Are the Benefits?
Using app-based verification is safer, faster, and more reliable. You don’t need to wait for an SMS that might get delayed. Also, app-based systems are harder for scammers to hack.
This new rule by UAE banks is a big step toward better digital safety. Although it may take time to get used to, it will protect customers in the long run.
Final Thoughts
The new rule: UAE banks, OTPs via SMS phase-out is a welcome change. By moving to app-based verification, banks in the UAE are staying ahead of cyber threats. Start preparing now so you’re ready before March 2026.
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