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Written by Heath Elson » Updated on: June 27th, 2025
Dubai is quickly becoming a global fintech hotspot—think sleek skyscrapers, cutting-edge tech parks, and a passion for innovation. With a digital-savvy population and supportive government initiatives, it’s the perfect place for fintech solutions to thrive. These days, smartphone usage is driving everything, from banking to payments, which is why the fintech mobile app development company landscape is booming here. If you want next-level digital finance experiences, you’ll want a fantastic app—and that’s exactly what our top picks are all about.
Why Dubai is a Hotspot for Fintech Startups
Key Trends Shaping the Fintech Landscape in 2025
Top 10 Fintech Companies in Dubai to Watch in 2025
1. Apptunix – Powering Fintech App Innovation
Apptunix isn’t a fintech company in the traditional sense—they’re the backbone behind some of the most successful fintech startups in the region. As a leading fintech mobile app development company, Apptunix builds custom, scalable digital banking apps, crypto wallets, investment platforms, and BNPL systems. What sets them apart is their deep understanding of compliance, user behavior, and security—essentials in the fintech world.
They provide end-to-end development, from ideation to post-launch support, and specialize in UX design that simplifies complex financial services. Many startups in Dubai trust Apptunix to translate their innovative ideas into flawless mobile applications. If you’re building a fintech product in 2025, Apptunix is your go-to tech partner.
Key Highlights:
If you’re planning to launch a fintech app or upgrade your digital banking solution, Apptunix is the full-service partner you need—from strategy to scaling.
2. Tabby – Buy Now, Pay Later Pioneer
Tabby is a trailblazer in the “Buy Now, Pay Later” space, letting users split their purchases into interest-free payments. With over 10,000 retail partners and 3 million users across the GCC, Tabby is the region’s BNPL leader. Its mobile app is clean, intuitive, and offers real-time insights on payments, due dates, and promotions.
Tabby is more than just a payment service—it’s becoming a lifestyle tool for budget-conscious consumers. The company has raised over $400 million in funding and continues to expand its footprint across the UAE, Saudi Arabia, and beyond. In 2025, Tabby is expected to evolve into a full-scale digital credit platform.
Key Highlights:
Their mobile-first approach and strong eCommerce partnerships have made Tabby a consumer favorite.
3. YAP – UAE’s First Neobank
YAP offers a full-fledged digital banking experience—minus the physical branches. It allows users to manage their finances, track spending, save with goals, and receive instant notifications, all through a beautiful mobile app. YAP was the first licensed neobank in the UAE and has since expanded its reach to Pakistan and other MENA countries.
What users love about YAP is its transparency—there are no hidden fees or complicated terms. The app is especially popular among millennials and Gen Z users who prefer digital interactions over traditional banking processes. In 2025, YAP is rolling out features like credit cards and cross-border transfers.
Key Highlights:
Perfect for users who want full banking control from their phone.
4. Mamo – Smart Payments for Individuals & Small Businesses
Mamo bridges the gap between personal finance and business payments. Their app allows users to send and receive money instantly, generate payment links, and even accept QR code payments. Mamo is especially useful for freelancers, content creators, and SMEs that want a quick, reliable way to manage finances.
The platform is licensed under the Dubai International Financial Centre (DIFC), which ensures top-tier compliance and trust. With new features like payroll tools and subscription billing, Mamo is on its way to becoming the PayPal of the Middle East.
Key Highlights:
5. NymCard – Infrastructure for Next-Gen Fintech Apps
NymCard is one of the few players building the infrastructure behind other fintech apps. Their Banking-as-a-Service (BaaS) platform lets other startups launch prepaid cards, digital wallets, and customized financial products with ease. Think of NymCard as the “AWS” of fintech in the MENA region.
They provide APIs that are secure, scalable, and regulation-compliant, enabling developers to integrate real-time payment solutions into their apps. NymCard partners with global networks like Visa and Mastercard, giving their clients access to worldwide financial ecosystems.
Key Highlights:
6. Ziina – Social Payments Made Fun
Ziina is revolutionizing how people in the UAE send and receive money. It’s like the Venmo of the Middle East—only more fun. The app combines peer-to-peer payments with a social experience, allowing users to share notes, emojis, and reactions when they transfer funds.
Targeting the younger crowd, Ziina makes finance feel less boring and more relatable. It’s ideal for splitting bills, paying rent, or gifting money. In 2025, they’re expanding into group payments, event ticketing, and even mini banking services—all while keeping it social and seamless.
Key Highlights:
7. Sarwa – Investment, Simplified
Sarwa makes investing accessible to everyone. Whether you’re a college student with $100 or a professional ready to build a portfolio, Sarwa’s robo-advisory service matches you with the right investments based on your goals and risk level.
Their mobile app offers automated investing, retirement planning, and even crypto exposure—all in one dashboard. Licensed by the DFSA, Sarwa is a safe and smart way to grow your money. In 2025, expect them to roll out AI-powered financial planning tools and ESG investment portfolios.
Key Highlights:
8. BitOasis – Crypto Trading Made Easy
BitOasis is the region’s largest crypto exchange, allowing users to buy, sell, and store digital assets securely. They support major cryptocurrencies like Bitcoin, Ethereum, and dozens of altcoins. The mobile app offers two modes: a simplified interface for beginners and a pro dashboard for experienced traders.
Fully regulated in the UAE, BitOasis ensures compliance and security while making crypto accessible to everyone. As crypto adoption rises in the MENA region, BitOasis is expected to launch tokenized assets and DeFi services in 2025.
Key Highlights:
9. Cashew – Instant Credit for Online Shoppers
Cashew is a BNPL service that integrates directly with online stores, giving shoppers the option to pay in installments. What sets Cashew apart is its smart credit scoring system and instant approval process. It’s fast, safe, and embedded right into the eCommerce checkout flow.
With partnerships like Mashreq Bank, Cashew is building trust and scaling fast. Their app provides real-time credit tracking, payment reminders, and flexible options for managing dues. In 2025, Cashew is targeting in-store purchases and SME financing.
Key Highlights:
10. Hala – A Fintech App for SMEs and Freelancers
Hala is an all-in-one financial platform built for small businesses, freelancers, and independent contractors. Through one mobile app, users can manage invoices, track expenses, handle payroll, and even do taxes. It’s essentially QuickBooks and a neobank rolled into one.
What’s great is how intuitive the app is—you don’t need to be a finance expert to use it. With the gig economy booming, Hala is the perfect partner for managing money on the move. Their upcoming features include integrated POS systems and eCommerce plug-ins.
Key Highlights:
Role of Fintech Mobile App Development Companies
Fintech startups succeed or fail on the quality of their apps. Users today expect:
Companies like Apptunix collaborate with fintech brands to build exactly that: apps that users love and regulators trust. A good development company doesn’t just code—it consults on architecture, compliance, and scalability.
Final Thoughts
Dubai isn’t just a financial center—it’s becoming the epicenter of fintech innovation in the Middle East. Each of these 10 companies is shaping the future:
Apptunix builds the apps powering these solutions
Tabby, YAP, Mamo, and others bring everyday finance to the palm of your hand
Whether you’re building a fintech startup, investing in the region, or simply curious about which apps can change your digital finance experience—these ten offer exciting, polished, and purposeful services.
FAQs
1. Which is the best fintech company in Dubai in 2025?
There’s no one-size-fits-all. If you're after investment tools, check out Sarwa. For payments, Tabby or Mamo are great. Building an app? Apptunix has you covered.
2. How do fintech mobile app development companies help finance innovation?
They combine design, security, UX, regulation, and infrastructure—all in one. They’re the wizardry behind polished fintech experiences.
3. Is it safe to use digital wallets and mobile banking apps in the UAE?
Yes—Dubai’s fintech scene is heavily regulated through bodies like the Dubai Financial Services Authority (DFSA) and the UAE Central Bank. Apps here undergo strict security checks and audits.
4. What is the future of fintech investments in Dubai?
Expect more funding, cross-border services, embedded finance in everyday apps, and a strong focus on AI-driven personalization.
5. Can startups in Dubai easily build a fintech app?
Definitely—and many fintech mobile app development companies like Apptunix specialize in launching MVPs quickly, working with compliance rules in mind from day one.
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