FAB Adds Send Now Pay Later to Payit for International Transfers

First Abu Dhabi Bank has added a Send Now Pay Later feature to Payit, its digital platform. With it, eligible customers can push money across borders immediately and repay within 30 days. The revolving credit limit goes up to AED 5,000.

Eligibility and approved limits are checked inside the Payit app before a transfer is made. The user experience matches the standard remittance journey. No separate process is needed.

FAB designed the product for short-term cash-flow gaps: supporting family during an emergency, covering an unexpected expense, or sending money before a salary arrives. The target customer is someone who wants funds out the door now, but would rather repay in the weeks that follow.

SNPL sits inside an app that already bundles payments, remittances, rewards, and borrowing. Payit also contains the Payit Universal Account and Payit Plus salary account, both aimed at widening access to digital banking in the UAE. In that context, the new feature is less a standalone credit product than an extension of an existing money movement tool.

That combination matters. A separate lending product requires a separate decision, often a separate login. Here, credit appears inside the same flow someone already uses to send money home. It turns a loan into an option at the moment of need. For migrant workers and families that rely on monthly remittances, the difference is practical: the funds arrive immediately, and the repayment date is known.

FAB is not a small player in this space. It describes itself as the UAE's global bank, with total assets of AED 1.41 trillion as of June 2026. The bank operates across more than 20 markets. That footprint matters for a product like SNPL, because the customers sending money abroad are often sending it to those same markets. The remittance corridors Payit already serves are the ones where this credit line becomes most useful.

Still, there are limits. Eligibility is checked per customer, and the approved limit must be visible in the app before a transfer is made. The credit line revolves, so repayment frees up capacity for future transfers. For now, the design is deliberately small: a capped, short-term facility attached to a familiar transaction, not a general-purpose loan.