Looking for the top fintech apps UAE consumers can use in 2026? From digital payments and wealth management to alternative investments, these platforms offer a range of financial services through digital channels.

The market is supported by the Central Bank of the UAE‘s fintech and digital-finance initiatives, while the Dubai International Financial Centre (DIFC) has also developed a growing ecosystem of fintech and innovation companies.

Top Fintech Apps UAE Consumers Can Use in 2026

For expats and residents looking to digitise their daily transactions, payments and investments, we have compiled a list of fintech apps available to UAE consumers in 2026.

Last updated: 16 September 2026

Tabby

Best for: Everyday spending and flexible payments

Originally known for its BNPL services, Tabby has expanded into a broader digital finance platform. In April 2026, the company secured a Stored Value Facilities license from the Central Bank of the UAE, allowing it to hold customer funds and offer regulated stored-value services.

The license enables Tabby to provide spending accounts, cards and money-management tools alongside its existing payment services.

Sarwa

Best for: Digital investing

Sarwa operates as a digital wealth platform focused on retail investors in the Middle East. The ADGM-regulated company reached a major milestone in May 2026 when it surpassed US$1 billion in client assets under management.

The app offers automated investment portfolios alongside self-directed trading in US stocks and ETFs, giving UAE residents digital access to global markets.

Stake

Best for: Fractional real estate investing

Stake offers a fractional real estate investment platform that allows users to invest in shares of rental properties in Dubai starting from AED 500.

The platform operates a DFSA-authorised property investment crowdfunding platform in the DIFC. It handles property sourcing, management and distributions for investors.

In April 2026, Stake partnered with Swiss investment group ACE & Company to develop a secondary transfer facility for investors holding fractional property investments.

Ziina

Best for: Peer-to-peer payments

Ziina is a peer-to-peer payment application designed to simplify how friends and family split bills and transfer money in the UAE.

Users can send money to other Ziina users using phone numbers or ZiiNames without exchanging IBANs. The platform supports Apple Pay and Google Pay, while its Visa-powered Ziina Card can be used for digital and in-store transactions.

Careem Pay

Best for: Payments and remittances

Careem has expanded from a ride-hailing service into a regional superapp that includes financial services.

Through Careem Pay, users can pay bills and send money locally and internationally. They can also use their wallet balance for payments within the Careem ecosystem.

The service has also expanded its international remittance services to more than 30 countries, including Egypt, Lebanon and the Philippines.

As regulatory frameworks in the UAE continue to evolve, these platforms are increasingly blurring the lines between payments, wealth management and traditional banking.

Featured image credit: Edited by Fintech News UAE, based on image by amfhotografy via Magnific

Infographic credit: Edited by Fintech News UAE, based on image by moizhusein-1 via Magnific