Credit/debit card success rate: Local banks in United Arab Emirates (AED)

The banking sector has unique characteristics influenced by local economic conditions, regulatory frameworks, and customer preferences. We encourage you to carefully review this report before making any transactions via credit or debit card, including Visa, Mastercard, Google Pay, or Apple Pay.

🟢 Dark green text indicates a very high success rate and is strongly recommended for use; >60%

🟢 Green text indicates a high success rate and is recommended for use; 50%-60%

🟠 Orange text signifies that it can be tried, but has a lower success rate; 30%-50%

🔴 Red text indicates an extremely low success rate and is not recommended for use;<30%


*The issuing banks listed in this table are for reference only and do not represent all supported issuers. Only issuers with more than 5 transaction orders in the past six months and a success rate greater than 0 are included, in order to reflect banks with relatively stable transaction performance and valid transaction volume.


🟢 Very high success rate (>60%) - Strongly Recommended

Issuer Banks
SANTANDER BANK POLSKA S.A.
UC CARD CO., LTD.
THE TORONTO-DOMINION BANK
JOINT-STOCK COMMERCIAL BANK RYSGAL
BAWAG P.S.K. BANK
UNICREDIT BANK AG
BANK OF BARODA
HSBC BANK MIDDLE EAST
COMMERCIAL BANK INTERNATIONAL
DIGITAL FINANCIAL SERVICES LLC
ABU DHABI ISLAMIC BANK
WISE PAYMENTS LIMITED
AL HILAL BANK PJSC
UNICREDIT BANK GMBH
STANDARD CHARTERED BANK
EMIRATES ISLAMIC BANK P.J.S.C.
DUBAI ISLAMIC BANK
YTL DIGITAL BANK BERHAD
ABU DHABI COMMERCIAL BANK
EITC FINANCIAL SERVICES L.L.C
HSBC UK BANK PLC

🟢 High success rate (50%-60%) - Recommended

Issuer Banks
EMIRATES NBD BANK (P.J.S.C.)
NETWORK INTERNATIONAL LLC
JANATA BANK PLC.

🟠 Lower success rate (30%-50%)

Issuer Banks
AAFAQ ISLAMIC FINANCE PSC
NATIONAL BANK OF FUJAIRAH
DEEM FINANCE L.L.C.
SHARJAH ISLAMIC BANK PJSC
EMIRATES NBD
FIRST ABU DHABI BANK PJSC
PAYBY TECHNOLOGY PROJECTS LLC
FIRST ABU DHABI BANK (PJSC)
COMMERCIAL BANK OF DUBAI(PSC)
REVOLUT BANK UAB
LARI EXCHANGE
REVOLUT LIMITED
Bank Dhofar
NATIONAL BANK OF RAS AL-KHAIMAH (RAKBANK)
BOTIM MONEY TECHNOLOGY LLC
MASHREQBANK
CANADIAN IMPERIAL BANK OF COMMERCE
D360 Bank
NATIONAL WESTMINSTER BANK PLC

🔴 Extremely low success rate (<30%) - Not Recommended

Issuer Banks
AL ANSARI EXCHANGE LLC
COMMONWEALTH BANK OF AUSTRALIA
MAYA PHILIPPINES INC.
BELFIUS BANK N.V. / BELFIUS BANQUE S.A.
WISE EUROPE SA/NV
MAWARID FINANCE PJSC