In short: open the app and apply using your Emirates ID and UAE Pass—no additional documents required. AI completes your credit assessment and grants your limit in just 1 second. No manual intervention, no phone calls, no questionnaires, no waiting. The entire process takes under 3 minutes, and your funds are available almost instantly.

No collateral. No fixed deposit. Flink's AI evaluates your digital credit profile to extend a fully unsecured credit line.

Determined dynamically by AI based on your financial profile — up to AED 20,000. The more consistently you repay, the higher your limit grows.

Yes. Credit profiles change — update your financial information and try again. Our AI evaluates fresh data each time. You're never permanently ruled out.

15+ currencies, including AED, USD, EUR, GBP, INR, PKR and GCC local currencies. Check live rates and convert in-app instantly — no planning ahead required.

Yes — credit loads directly to your card the moment it's approved. Virtual card is instantly usable via Apple Pay / Google Pay. No top-up, no waiting. Approved means ready.

Yes — Flink's physical card works at any Mastercard ATM worldwide. (Note: Cash withdrawal fees apply. See our fee schedule for details.)

We don't charge "interest" — we charge a Markup, which is the Sharia-compliant equivalent. Same principle: how much you borrow, how long, what you pay in total — all shown upfront before you commit. No hidden fees.

Yes, anytime. An early settlement fee of 1.05% of the outstanding principal (VAT inclusive) applies — you'll see the exact amount before confirming.

Yes. As a CBUAE-regulated entity, we report credit data to AECB as required. Repaying on time is the single best way to build a strong credit history in the UAE — and Flink is a solid place to start.

Contact us before the due date — the earlier, the better. Our team can assess extension or restructuring options. One message can prevent what silence turns into a problem..

Flink operates under the financial license of Mawarid Finance PJSC, fully regulated by the Central Bank of UAE (CBUAE). Mawarid Finance is an established, licensed UAE financial institution with a verifiable track record.

AES-256 bank-grade encryption, integrated with UAE Pass national identity verification. Your data is used only for credit assessment — never sold or shared with third-party advertisers.

No. The app requires Face ID or fingerprint authentication for access — and for every transaction. Without your biometrics, your account is inaccessible, even if your phone is in someone else's hands.

We have bank-level security (regulatory backing) but with the speed of an internet company (3-1-0 model).

No nationality restrictions. If you hold a valid Emirates ID, you're eligible. Wherever you're from — if you're living in the UAE, you're who we're here for.

Reach us via 24/7 in-app chat, or email us at the address listed on our website. We commit to responding within 4 hours on business days, with real-time support for urgent issues.

No annual fee for your base account. Virtual card is free; physical card has a one-time issuance fee of AED 60. No monthly charges, no maintenance fees, no "pay even if you don't use it" surprises.