The e-Dirham system was launched by the Ministry of Finance (MoF) in 2011 as a system of electronic channels and digital payment gateways capable of
collecting service fees and revenue for the Federal Government via Prepaid Cards, in order to enhance the delivery of public services.
The e-Dirham G2 system was implemented in 2011, providing world-class payment networks and schemes, via platforms configured to be flexibly integrated
with e-Government service applications. The platforms can also be configured to work with online payment applications, payment via mobile phones, and
electronic collection via different payment channels in line with universally accepted standards.
Use e-Dirham to pay for more than 5,000 services
The e-Dirham platform consists of cards that offer a smart payment method
accepted by more than 5,000 government services in ministries, federal and
local authorities, and the private sector. Some of these cards are compatible
with Visa and MasterCard networks. The cards are issued by MoF and the
First Abu Dhabi Bank (FAB).
Choose your e-Dirham card today!
e-Dirham is the world's latest technology, and it features several types of
cards. The Blue, Red, Gold, Green and Silver Al Haslah cards offer discount
on service fees, and don’t require the user to have a bank account. All cards
are prepaid, offering an easy method to reload funds, and a smart, secure,
effective way to withdraw cash from the card’s balance, regardless of
whether it is paid or covered by a credit card.
Full support around the clock
Cards are issued in collaboration with FAB across a network of approved
outlets to serve the public sector, companies, businessmen and individuals.
The services are promoted by a customer service centre and a call centre that
is supported by an auto-response system, as well as a website and SMS
The system offers many advantages, including low costs, fixed fees for the service, and the possibility of paying service fees through different payment
channels, which include e-Dirham applications for mobile phones, e-wallet, vouchers, and self-service e-Kiosks. The system also offers Al Haslah cards for
paying via e-Dirham at several points of sale and distribution outlets, bringing services closer to customers and users by increasing the number of point of
sale (PoS) devices, and enhancing service delivery channels.
Since the launch of e-Dirham G2B by MoF in partnership with FAB, a total of 100 million eService transactions with a
total value of AED 21.66 billion have been provided (up until the end of 2015).
e-Dirham reported the e-collection of AED 8.2 billion in
2015, a 21% increase compared to the AED 6.78
billion collected in 2014.
The number of e-service transactions also grew by
8%, from 33.46 million in 2014 to 36.14 million in 2015.
The number of e-Dirham cards issued so far amounts to
1.77 million, with 639,000 cards issued in 2015. This
figure rose from 595,000 cards in 2014, representing an
increase of 7.4%. The cards can be used across 5,000
e-Dirham Point of Sale (PoS) devices across the UAE.
The e-Dirham Call Centre received approximately 145,000 calls during 2015. The percentage of successfully answered calls was more than 85% of the total
calls received. The average duration of a single call reached three minutes with a waiting time of less than a minute. The centre offers its services in three
languages: Arabic, English and Urdu, 24/7, all-year-round.
These figures reflect the value added by the e-Dirham to the UAE’s financial sector, and it has become one of the country’s most important smart government
initiatives. The 2015 results prove that the speed and efficiency of the e-Dirham system ensures the maximum utilisation of time, efforts and resources.
The overall satisfaction level among e-Dirham users reached 80%. A study conducted by MoF, in collaboration with FAB and Nielsen - a global marketing
research company - on customer satisfaction regarding the e-Dirham system, revealed the following results:
Users are satisfied with the
performance of the e-Dirham
system as an electronic payment
method instead of using cash.
Customers and Partners
Average satisfaction rate of
registered customers and partners
including outsourced service
Managers and Owners
Average satisfaction rate of
managers and owners of print
centres and services regarding the
facilitated payment methods of
government services fees.
Overall satisfaction rate of
individuals from print and business
Satisfaction rate with level of
awareness of customers using print
and business services centres.
Individuals are highly satisfied with
the e-Dirham services.
A survey was conducted during the study, which included 1,003 telephone interviews with system users, 163 face-to-face interviews with service providers and 155 customers, in addition to in-depth face-to-face interviews conducted in 11
ministries, nine federal authorities and 23 financial institutions and banks.
The figures serve to highlight the important role the e-Dirham plays as an effective e-payment method that follows the highest levels of performance and accuracy, in addition to security and ease of use. The e-Dirham system provides
government institutions with a database, and detailed and prompt reports for the financial operations that help in monitoring, auditing and performing conformity operations, as well as measuring their speed and efficiency. This supports
decision-making processes and achieves optimal use of available financial and human resources.
MoF seeks to fully switch to smart government services and to implement innovative solutions regarding e-payment and e-collection of service fees. This is to improve efficiency and effectiveness of financial work systems, as well as to
manage and develop cash flows for the Federal Government according to best practices. MoF seeks to further develop the system's services to become the first and best option to pay government and non-government fees across the
Visits last updated:
Page last updated on:
Best view with screen resolution of
1280 × 1024
Supports the following browsers:
Internet Explorer 11+, Firefox 23+, Chrome 35+, Safari 8+