Frequently Asked Questions

This is Flink's core technology promise: 3 minutes to complete the application, 1 second for AI automated approval, and 0 human intervention throughout the entire process.

No. We provide uncollateralized credit limits by analyzing your digital credit dimensions through our AI engine.

The limit is dynamically determined by AI based on your financial profile. As you actively use Flink and repay on time, your limit will continue to increase.

Yes. Credit status is dynamic. We recommend re-applying after 30 days based on your latest financial data.

We support major currencies including AED, USD, EUR, GBP, CNY, and GCC local currencies. You can view real-time rates and convert with one tap in the App.

Yes. Once activated, your limit is instantly loaded onto your virtual/physical card for immediate use.

Yes. The Flink physical card can be used at any ATM displaying the Mastercard logo worldwide.

We strictly adhere to transparent financial principles and do not charge traditional interest. We use a "Markup" model, with all fees clearly displayed before borrowing.

Absolutely. Flink encourages flexible repayment.

Yes. As a regulated entity, we regularly report credit data. On-time repayment is the best way to build a strong credit record in the UAE.

Please contact our support team before the deadline. Our professional banking team will evaluate deferment or installment options for you.

Flink is strategically backed by Mawarid Finance's financial license and is strictly regulated by the Central Bank of the UAE (CBUAE).

We use bank-grade AES-256 encryption and UAE Pass authentication. Your information is used solely for credit assessment and is protected by the highest level of legal safeguards.

Extremely safe. App access is protected by dual biometric locks (face/fingerprint), and no financial operations can be performed by anyone other than you.

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

As long as you hold a valid UAE residency (Emirates ID), you can apply.

You can reach us through the 24/7 in-app live chat or via the official email disclosed on our website.

We offer a zero-annual-fee basic account. Rates for premium card benefits are clearly displayed in the App.