Why UAE Banks Are Switching from SMS and Email OTPs to App Authentication

Starting July 25, 2025, banks in the UAE will begin replacing one-time passwords (OTPs) sent via SMS and email with app-based authentication, following new guidelines from the UAE Central Bank.

This transition aims to enhance security and reduce fraud risks in digital banking.

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The complete phase-out of SMS and email OTPs is expected to be completed by March 2026. Financial experts emphasize that app-based authentication offers greater safety than traditional methods, which are vulnerable to interception and fraud.

Jay Adrian Tolentino, a financial coach, noted that app-based approvals are essential for modern banking security, while Kartik Iyer, another expert, highlighted that this change is overdue due to the increasing sophistication of scams.

Traditional SMS and email OTPs have been linked to various security risks, including SIM swap attacks and phishing scams.

In contrast, in-app authentication provides a more secure alternative by keeping OTPs within the banking app and utilizing biometric methods for verification.

While the move promises stronger security, experts caution that ongoing vigilance is necessary to combat evolving fraud tactics.

The effectiveness of the new system will depend on how well banks implement it and how customers adapt to these changes.

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