Create and manage referrals with real-time tracking, transparent commissions, 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.
The platform includes services for credit cards, personal loans, bank accounts, business loan, and financial products.
Streamlined credit card referrals with real-time tracking.
Transparent loan referral process with commission tracking.
Easy account opening referrals for retail banking.
Comprehensive SME Loans product referral network.
Wide range of investment and wealth products.
Inizio 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.
Customer name, mobile, product. WhatsApp consent fires automatically before any bank ever sees the lead.
Every lead moves New → Consent → Submitted → Review → Approved → Paid. You watch it happen in real time.
Product-level payouts. Pending balance. Settled ledger. No black box, no chasing your bank coordinator.
Personal loan, credit card, auto, SME, Bank Accounts — all financial products from one place.
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.
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.
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.
Tap into a vetted network of freelance banking agents and licensed partner agencies — without managing them yourself.
WhatsApp consent runs before any submission. Every lead arrives with verification, audit trail and CBUAE-grade compliance baked in.
Pay only on approved, activated customers. No retainers, no media spend, no risk. Real CPA on real conversions.
Most-referred banking products across the Inizio network last month — pre-qualified, consented and ready to submit.
Cashback, Lounge Access, Valet Parking & more.
Free Careem Plus, 20% off Netflix & streaming, 0% FX fees & more.
Personal Finance, Buyout, Top-up & Goods Murabaha options.
Tips, guides and industry insights to help agents, agencies and banks succeed in the UAE banking referral ecosystem.
From submitting your first lead to earning your commission — learn the proven tactics top-performing Inizio agents use to maximize approvals and get paid faster across UAE banks.
Digital-first acquisition is reshaping how UAE banks grow. Here's what the data says and how performance-based partnerships are winning.
Understanding consent requirements doesn't have to be complex. We break down exactly what Inizio does to keep every lead fully compliant before bank submission.
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Everything you need to know about Inizio Global and how the platform works.
| Annual Fee | Waived for 1st Year |
| Minimum Monthly Salary | AED 10,000 |
| Balance Transfer | 0% for 3–6 months (1–2% processing fee) |
| Easy Cash Tenure | Up to 36 months |
| Cash Advance Fee | As per Bank Tariff |
| Credit Shield Takaful | Free for first 60 days |
| Primary Card Annual Fee | AED 100 (First year free) |
| Minimum Salary | AED 5,000 |
| Interest Rate | 1.99% (lowest in market) |
| Minimum Repayment | 5% |
| Balance Transfer | 0% interest up to 18 months |
| Buy Now Pay Later | From 0.99% up to 48 months |
| FX Fees | 0% on international transactions |
| Max Finance (UAE Nationals) | AED 5,000,000 |
| Max Finance (Expatriates) | AED 2,000,000 |
| Maximum Tenure | 48 Months |
| Minimum Salary | AED 5,000 |
| First Installment | Up to 180 days deferral |
| Profit Rate | Competitive (Sharia-compliant) |