The UAE is switching on open financeOpen finance: a regulated system that lets you share your bank and insurance data with licensed apps, and let those apps start payments for you, always with your explicit consent.: the CBUAE framework, branded AlTareq, running on the NebrasNebras Open Finance: the central-bank entity (under Al Etihad Payments) that operates the API hub, trust framework and consent system every bank and app must plug into. platform. This board tracks which banks are live, which are onboarding, and what it unlocks.
Status data as of July 2026 · last reviewed 2 July 2026 · compiled from CBUAE, Nebras/AlTareq and bank announcements
| Bank | StatusiLive: customers can connect through licensed apps today. Onboarding: mandated to join, integration under way. Pending: no public signal either way. | Rollout waveiThe CBUAE has not published a per-bank wave list. Early cohort reflects the observed go-live order within the Phase 1 mandate, which covers banks and insurers. | Notes |
|---|---|---|---|
| Commercial Bank of Dubai (CBD) | Live | Wave 1 · early cohort | First UAE bank fully live on AlTareq (2025), launching with licensed TPPs Pay10 and Lean: consent-based data sharing and payments for retail customers. |
| Abu Dhabi Islamic Bank (ADIB) | Live | Wave 1 · early cohort | First Islamic bank live under AlTareq (announced January 2026); also among the first banks to operate as a licensed third-party provider itself. |
| First Abu Dhabi Bank (FAB) | Live | Wave 1 · early cohort | AlTareq shown as live and enabled for FAB retail accounts on the bank’s official open-finance page. |
| Dubai Islamic Bank (DIB) | Live | Wave 1 · early cohort | AlTareq shown as live and enabled for DIB accounts on the bank’s official open-finance page. |
| Mashreq | Live | Wave 1 · early cohort | AlTareq live and enabled for Mashreq accounts: data sharing plus faster account-to-account payments, per the bank’s open-finance page. |
| Wio Bank | Live UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Wave 1 | Reported to have completed open-finance enablement on Nebras; we could not verify a customer-facing go-live announcement, so this row is unconfirmed. |
| Emirates NBD | Onboarding UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; a long-running API-portal pioneer, but no public AlTareq consumer go-live confirmation found as of July 2026. |
| Abu Dhabi Commercial Bank (ADCB) | Onboarding UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; integration with the Nebras platform under way, no public consumer go-live confirmation found. |
| Emirates Islamic | Onboarding UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1 as a CBUAE-licensed bank; no public go-live confirmation found as of July 2026. |
| RAKBANK | Onboarding UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; active in UAE fintech partnerships, but no public AlTareq go-live confirmation found. |
| Sharjah Islamic Bank | Pending UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; no public signal on open-finance status found as of July 2026. |
| National Bank of Fujairah (NBF) | Pending UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; no public signal on open-finance status found as of July 2026. |
| Ajman Bank | Pending UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; no public signal on open-finance status found as of July 2026. |
| Commercial Bank International (CBI) | Pending UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; no public signal on open-finance status found as of July 2026. |
| United Arab Bank (UAB) | Pending UnconfirmediWe could not verify the exact status from a public source. Participation is mandatory for all CBUAE-licensed banks, so unconfirmed banks are in the onboarding pipeline, not opted out. | Phase 1 mandate | Mandated in Phase 1; no public signal on open-finance status found as of July 2026. |
Bank statuses are compiled from official bank open-finance pages (CBD, ADIB, FAB, DIB, Mashreq), Nebras/AlTareq materials and press coverage, including the first consumer payment (Ziina with Lean, January 2026). The framework: CBUAE Open Finance Regulation (Circular No. 7 of 2023, amended by Circular No. 3 of 2025, in force 10 July 2025), part of the CBUAE Financial Infrastructure Transformation (FIT) Programme. The platform is operated by Nebras Open Finance under Al Etihad Payments. Consent rules also draw on the UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021). Last reviewed 2 July 2026.
This tracker is an educational resource, not financial, legal or tax advice, and is not affiliated with the CBUAE, Al Etihad Payments, Nebras Open Finance or any bank named. Bank statuses reflect public information as of July 2026 and can change without notice; entries marked “unconfirmed” could not be verified from a public source. Always verify current status and terms directly with your bank or the regulator before acting.
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