UAE Banking Referral Infrastructure

Earn Transparently.
Submit a Lead. Get Paid.
We Deliver Customers.
You Grow Faster.
Customer Acquisition for Financial Institutions

Create and manage referrals with real-time tracking, transparent incentives, and a secure onboarding experience. Manage teams, track performance, leverage partner networks and access comprehensive analytics dashboards. Access qualified leads through secure workflows, manage partner relationships, and ensure compliance.

Credit Cards Personal Loans SME Loans Financial Products
app.Mysilah.ae
Agent Panel
Eileen Nausen · Inovations
3A30589C
Total Leads
7
In Pipeline
5
Approved
2
Earnings (AED)
1,700
Lead Pipeline
New → Approved → CPV Done → Activated → Paid
NEW
3
APPROVED
2
CPV DONE
4
ACTIVATED
3
PAID
2
Recent Leads
Honorato Carey
LD-3A6E12-0095 · Credit Card
ApprovedAED 600
AED 600 incentive earned
Honorato Carey · Credit Card · Approved
Same Day Incentive Payment
Industry standard is 30–60 days. MySilah pays the same day your lead is approved. That's why referral partners choose us. Join Now →

Financial Products you can refer

The platform includes services for credit cards, personal loans, bank accounts, business loan, and financial products.

Credit Cards

Streamlined credit card referrals with real-time tracking.

Personal Loans

Transparent loan referral process with incentive tracking.

Bank Accounts

Easy account opening referrals for retail banking.

SME Loans

Comprehensive SME Loans product referral network.

Financial Products

Wide range of investment and wealth products.

Auto Loans

Vehicle financing referrals across leading UAE bank partners.

01, For Referral Partners

Connect Customers. Earn Incentives. Build Your Referral Network.

Mysilah replaces the old word-of-mouth referral game with infrastructure. You see what you submitted, where it is, and exactly when you'll get paid, across every UAE banking partner.

01

Register free

Create your MySilah account in under 2 minutes. Access your personal portal and see all available bank products with their incentive rates.

02

Submit a lead

Know someone who needs a credit card or personal loan? Submit their details through your portal. Share your unique referral link for even easier tracking.

03

Lead gets approved

The bank or agency reviews and approves your referral. You can track every lead's status in real-time through your MySilah dashboard.

04

Get paid, same day

Your incentive is transferred to your account the same day your lead is approved. No waiting, no chasing. Full incentive details visible after login.

Earnings · November
AED 12,450
↗ +34%
Mortgage
Ahmed R. · Nov 24
+ AED 4,500
Personal Loan
Fatima K. · Nov 22
+ AED 1,200
Credit Card
Ali S. · pending activation
AED 350
Who Can Join

MySilah is built for everyone

Whether you're a student, a seasoned professional, or a Entrepreneur, if you know people who need banking products, you can earn with MySilah.

🏠
Homemakers
Earn from home, on your schedule
You don't need to leave your home or attend any office. Refer friends, family, and neighbours through MySilah and receive incentives when their applications are approved.
Work from homeFlexible hoursNo experience needed
🎓
Students
Earn extra income between lectures
University life is expensive. MySilah lets you earn competitive incentives by referring classmates, seniors, and anyone in your network, using nothing but your phone.
Part-timePhone-basedNo experience needed
💼
Salaried employees
A second income that doesn't affect your job
Already employed? MySilah works around your career. Refer colleagues, friends, or family for banking products in your own time. Your employer is never involved.
Outside work hoursNo conflict of interestAny nationality
🪙
SME owners
Monetise the network you already have
As a business owner you interact with dozens of people daily, staff, suppliers, clients. MySilah lets you refer your entire professional circle and earn for every successful application.
Staff referralsClient networkBulk volume bonus
🏢
Corporates & HR teams
Help employees, and earn while doing it
HR managers and corporate teams who onboard new employees have a unique position. New residents in UAE need banking products fast. MySilah makes that referral simple and rewarding.
Employee onboardingCorporate partnerHigh volume
🤝
Referral Partners
Add a passive income stream to your business
Consultants, coaches, executives, and service providers all carry strong professional networks. MySilah lets you monetise that network with zero disruption to your core business.
Recurring incomeAny professionEasy tracking
Join as a Referral Partner →
02, For Agencies

We deliver customers. You grow faster.

Whether your agency already has banking partnerships or is looking to build them, we do one thing, bring you qualified leads. Plug into our network and focus on converting; we handle the rest.

3.4×
Avg conversion uplift vs. cold dialing
500K+
Pre-qualified leads routed annually
30+
Active partner agencies across UAE
Sign up as an agency →
Fleet performance · today
Live
SH
Sara Hassan
14 leads · 92% consent
92%
FK
Fahad Khan
11 leads · 78% consent
78%
AM
Ayesha Malik
9 leads · 65% consent
65%
JR
Junaid R.
7 leads · 54% consent
54%
NB
Nadia B.
5 leads · 41% consent
41%
Operations · today
Live
Call center & dialer
412 calls · qualification & consent
94%
KYC verification
128 leads · CBUAE-compliant
88%
Document processing
94 applications · onboarding assist
76%
Bank submission
68 active · real-time status sync
68%
Payouts & reconciliation
52 settled · partner ledger
52%
BPO Services

Scalable BPO and Marketing Services

Our marketing services drive customer acquisition, while our BPO and verification teams qualify and process every lead through a compliant workflow, so your team can focus on closing business.

500K+
Pre-qualified leads routed annually
100+
Active authorized sales partners
30+
Financial partners across the UAE
Explore the infrastructure →
03, Powerful partnerships

Accelerating Growth for Financial Institutions Through Partnership

We connect banks and financial institutions with a scalable acquisition network that delivers qualified customers, stronger engagement, and measurable growth, all through a performance-driven partnership model.

Distributed acquisition

Tap into a vetted network of executives and licensed partner agencies, without managing them yourself.

500K+
Leads / year

Pre-qualified, consented

WhatsApp consent runs before any submission. Every lead arrives with verification, audit trail and CBUAE-grade compliance baked in.

93%
Consent verification

Performance-based pricing

Pay only on approved, activated customers. No retainers, no media spend, no risk. Real CPA on real conversions.

100%
Performance-only
Schedule a partnership call →
Compliance & Trust

Built with compliance
at its core

MySilah is designed to meet the standards UAE banks, compliance teams, and vendor risk departments expect from any third-party acquisition partner.

Customer Consent

Every customer referral is supported by explicit consent documentation. No data is submitted without customer awareness and agreement.

🔒

Privacy Protection

Customer personal data is handled in accordance with UAE data protection standards and is never shared beyond partner banks.

🛡️

Secure Data Handling

All data is encrypted in transit and at rest. Platform infrastructure is built to enterprise-grade security standards.

⚖️

Ethical Referral Practices

MySilah enforces strict partner conduct standards. Referral partners are trained and monitored to prevent misrepresentation of banking products.

🤝

Responsible Acquisition

Our platform encourages partners to refer only genuinely eligible customers, protecting the bank's customer quality metrics.

🔍

Transparent Partner Network

All referral partners are registered, identity-verified, and subject to MySilah's Partner Code of Conduct before activation.

Trending This Month

Top 3 customer's choice from June

Most-referred banking products across the Mysilah network last month, pre-qualified, consented and ready to submit.

Ajman Bank UltraCash Card
Ajman Bank #01 · Most referred

UltraCash Credit Card

Additional AED 500 worth of Welcome Bonus, simply on approval!
No Annual Fee
For 1st Year
Min. Salary
AED 10,000

Cashback, Lounge Access, Valet Parking & more.

Refer now →
FAB Travel Credit Card
First Abu Dhabi Bank #02 · High demand

FAB Z Card

Save big on streaming, gaming & living, BIG benefits, no annual fees!
Annual Fee
AED 100 (1st year free)
Interest Rate
1.99%

Free Careem Plus, 20% off Netflix & streaming, 0% FX fees & more.

Refer now →
Dubai Islamic Bank #03 · Top approved

Al Islami Personal Finance

Finance up to AED 5 million, Sharia-compliant & fast processing!
Min. Salary
AED 5,000
Max Tenure
48 Months

Personal Finance, Buyout, Top-up & Goods Murabaha options.

Refer now →
Knowledge & Insights

Latest from the Mysilah Blog

Tips, guides and industry insights to help referral partners, agencies and banks succeed in the UAE banking referral ecosystem.

Industry
May 22, 2026 4 min read

UAE Banking Distribution Trends in 2026: What Every Financial Institution Should Know

Digital-first acquisition is reshaping how UAE banks grow. Here's what the data says and how performance-based partnerships are winning.

Compliance
May 14, 2026 5 min read

CBUAE Compliance Made Simple: What Referral Partners Need to Know About WhatsApp Consent

Understanding consent requirements doesn't have to be complex. We break down exactly what Mysilah does to keep every lead fully compliant before bank submission.

View all articles →
Get Started Today

Join the UAE's Digital Banking Referral Network

Mysilah connects banks, financial institutions and authorized partners through one accountable, performance-based platform.

Get In Touch

Get Started Today

Fill out the form below to join our platform or request more information about our services.

Frequently Asked Questions

Common Questions, Clear Answers

Everything you need to know about becoming a Referral Partner or partnering with MySilah as an institution.

MySilah is a UAE-based digital customer acquisition platform. We connect Referral Partners, individuals and professionals, with UAE banks seeking new customers. Partners introduce eligible customers to the platform; when their customer's application is approved by the bank, the partner receives a performance-based incentive payment. MySilah is not a bank, broker, or lender.
Any UAE resident above the age of 18 can register as a MySilah Referral Partner, including students, homemakers, working professionals, corporate employees, HR professionals and business owners. There are no educational prerequisites or professional certifications required to join.
Yes, joining MySilah is completely free. There is no registration fee, no deposit, and no monthly charge. You earn incentives only when your referrals are successfully approved by the bank or agency.
Payments are performance-based and are paid upon successful approval of a customer's application by the relevant partner institution, typically within 1–5 business days of the application being approved. Payment is transferred to your registered bank account. Full payment details are in your portal.
You can refer anyone in the UAE who may be eligible for a banking product, family members, friends, colleagues, neighbours, social contacts, business associates, or clients. The person you refer must meet the bank's and financial institution's own eligibility criteria (salary, residency, Emirates ID, etc.).
No incentive is payable on rejected applications, incentive payments are earned only on confirmed approvals. You can track the status of every referral in real-time from your dashboard. Our team can advise on improving lead quality for better approval rates.
No. Referral Partners on MySilah are independent third parties who introduce potential customers to products through the platform. MySilah Referral Partners are not bank employees, bank agents, or licensed financial advisors. You are not authorised to advise customers on financial products.
Customer data collected through the MySilah platform is handled in accordance with UAE data protection standards. Data is not shared with partner institutions without explicit customer consent. MySilah maintains a strict data governance framework, and all consent records are stored securely and are auditable.
MySilah provides partner institutions with a digital, scalable customer acquisition channel that delivers pre-screened, consent-verified leads. Institutions benefit from real-time tracking, comprehensive reporting, and a model structured with regulatory considerations at its core. There is no need for institutions to build or manage the referral infrastructure themselves.
MySilah operates as a customer acquisition and referral platform and is structured in accordance with applicable UAE commercial and regulatory frameworks. Our model requires all partners to adhere to a strict Code of Conduct. Institutional partners are encouraged to conduct their own compliance review of our platform documentation.
Yes. MySilah offers structured partnership models for SMEs, corporate entities, and strategic distribution partners. Business partnerships are available with enhanced reward tiers, dedicated account management, and API connectivity options. Contact our partnerships team for more information at admin@mysilah.ae.
Yes. MySilah is operated from Dubai, UAE and handles all data in compliance with UAE data protection regulations. Your personal information and that of your referrals is never shared with third parties beyond the bank processing the application. Full privacy policy is available on this site.
UltraCash Card
Ajman Bank
UltraCash Credit Card
Welcome Bonus: AED 500 (UAE Nationals) / AED 300 (Expatriates), simply on approval!
Welcome Offer
  • UAE Nationals: AED 500 Cashback
  • Expatriates: AED 300 Cashback
  • Make one retail transaction within the first 30 days of card issuance to receive the welcome cashback (upon payment of annual fee).
  • Offer applicable once per customer.
Cashback Rewards
  • Select 2 of 4 categories: Fuel, Online Shopping, Supermarkets or School Fees
  • UAE Nationals: up to 10% cashback on Fuel (first 3 months), 5% thereafter
  • Expatriates: 5% cashback on all selected categories
  • 1% cashback on all other spends (up to credit limit)
  • Seamless redemption via Ajman Bank Mobile App
Travel Benefits
  • Unlimited complimentary lounge access at 25+ Lounge Key & Marhaba lounges across UAE and internationally
  • Up to 30% off on Cleartrip (promo code: MASTERCARD)
  • Up to 10% money back on Booking.com stays
  • 15% discount at IHG Hotels & Resorts with UltraCash card
  • 20% off car rentals with Avis via avisworld.com/mastercardmea
Valet Parking
  • Free valet parking at 30+ locations across UAE, Dubai, Abu Dhabi & more
  • Valid 3 times per month on a minimum spend of AED 3,000/month
  • Locations include Ibn Battuta, Yas Mall, Marina Mall, City Walk, Wafi City & more
More Benefits
  • World's first Mastercard Touch Card, designed for the visually impaired
  • Apple Pay & Samsung Pay support for seamless payments
  • Credit Shield Takaful cover, free for first 60 days
  • Easy Cash, Balance Transfer & 0% Installment payment plans available
  • 3D Secure online purchases & Chip & PIN security
Annual Fee Waiver (From Second Year)
  • Annual membership fee + 5% VAT waived if minimum retail spend of AED 12,000 is achieved within the year.
  • Retail spends must be non-refundable transactions.
Fees & Charges
Annual FeeWaived for 1st Year
Minimum Monthly SalaryAED 10,000
Balance Transfer0% for 3–6 months (1–2% processing fee)
Easy Cash TenureUp to 36 months
Cash Advance FeeAs per Bank Tariff
Credit Shield TakafulFree for first 60 days
Eligibility
  • Monthly income of AED 10,000 and above
  • Valid Passport & Emirates ID
  • VISA (not required for Emirates ID issued after 11 Apr 2022)
  • Original Salary Certificate (for non-listed companies)
  • One month pay slip
  • Trade License (for self-employed with Ajman Bank account)
Ready to refer this card?
Submit a lead and earn your incentive.
Refer now →
FAB Card
First Abu Dhabi Bank
FAB Z Card
Save big on streaming, gaming & living, BIG benefits, BIG savings, no fees!
Lifestyle Benefits
  • One-year free Careem Plus membership, unlimited savings on rides, food, groceries & dining
  • One-year free noon One membership, offers on essentials & free delivery
  • 20% off Netflix, PlayStation, Xbox, YouTube, Spotify & Shahid (cap AED 50/month)
  • 20% off Dubai Parks & Resorts & Emaar Entertainment
  • 20% off one food or grocery order every month on Tabalat (promo: MASTERCARD)
  • Standard movie tickets for AED 20 at Cine Royal, Star Cinemas & Reel Cinemas
  • Up to 30% off Virgin Megastores on purchases of AED 500+ (max discount AED 150) once monthly
  • Up to 50% off Go Gamers premium membership, FIFA, League of Legends & more
Travel & Reward Benefits
  • Free airport lounge access with Mastercard Travel Pass
  • Discounts on booking.com, IHG Hotels, Avis, Rentalcars.com & more via Mastercard Priceless
  • 1 FAB Reward for every AED 1 spent at retail outlets, earn up to AED 1,000/month
  • Redeem FAB Rewards for mall vouchers or win prizes with Games
Value Added Benefits
  • Lowest interest rate of 1.99% with just 5% minimum repayment
  • 0% FX fees on international transactions (excl. scheme charges & currency conversion)
  • 0% interest on Balance Transfers for up to 18 months
  • Buy now, pay later plans from 0.99% for up to 48 months
Key Terms
Primary Card Annual FeeAED 100 (First year free)
Minimum SalaryAED 5,000
Interest Rate1.99% (lowest in market)
Minimum Repayment5%
Balance Transfer0% interest up to 18 months
Buy Now Pay LaterFrom 0.99% up to 48 months
FX Fees0% on international transactions
Documentation Required
  • Valid Emirates ID & Passport
  • Salary Certificate or Proof of Income
  • Bank Statements (last 3 months)
  • Al Etihad Credit Bureau (AECB) consent form
Ready to refer this product?
Submit a lead and earn your incentive.
Refer now →
Dubai Islamic Bank
Al Islami Personal Finance
UAE Nationals: up to AED 5 million | Expatriates: up to AED 2 million, fast processing!
Finance Features
  • UAE Nationals: finance up to AED 5,000,000
  • Expatriates: finance up to AED 2,000,000
  • Minimum salary AED 5,000, one of the lowest in UAE
  • Available to non-salary transfer customers & self-employed
  • Competitive profit rate under Sharia-compliant structure
  • Quick processing with fast approvals
  • Payment holiday / deferment option available
  • 1st installment deferred up to 180 days (as per customer profile)
Product Types Available
  • Personal Finance, for cash needs
  • Liability Consolidation (Top-up), consolidate existing debts
  • Liability Settlement (Buy-out), move finance from another bank
  • Personal Finance, Payment Holiday
  • Goods Murabaha, for purchasing goods
  • Services Ijarah, for acquiring services
Key Terms
Max Finance (UAE Nationals)AED 5,000,000
Max Finance (Expatriates)AED 2,000,000
Maximum Tenure48 Months
Minimum SalaryAED 5,000
First InstallmentUp to 180 days deferral
Profit RateCompetitive (Sharia-compliant)
Documentation Required
  • Passport (with Residence Visa for expatriates) & UAE ID
  • Salary Certificate or End of Service Benefit Transfer Letter
  • Bank Statement & Security Cheque(s)
  • Al Etihad Credit Bureau (AECB) consent form
  • Quotation addressed to DIB (for Murabaha/Ijarah only)
Ready to refer this product?
Submit a lead and earn your incentive.
Refer now →