• What is businessONLINE?

  businessONLINE is Emirates NBD Bank's powerful user-friendly online banking service that helps Corporate & Institutional Banking and Business Banking clients to execute complex banking transactions from their desktop. This platform offers for additional features to cater to your business needs.

  Key Features:

  • Single window view of all Emirates NBD Bank accounts, mapped to a single User ID. This includes Payments, Account Services, loans, deposits and linked accounts.
  • Customizable Dashboard with enriched information reporting and self-service MIS reports.
  • Own Account Transfer and Third Party Transfer etc.
  • Bulk payments, Utility Bill payments.
  • Rests for Deposit opening.
  • Cheque Book Requests.

  Key Benefits:

  • Real-time access to all your account information.
  • Customisation and Security - You can pre-set the information access, multi-level approval process and transaction authority for various employees, for complete security.
  • MIS Integration - You can download your account statement in different formats, including MS Excel or Text file or PDF.
  • Audit Trails (View Transaction History and Workflow Details). You can track all transactions by date/ Product Type/ Beneficiary Account etc. to monitor any misuse of access.

   

• Is the businessONLINE platform secure?

  businessONLINE uses the highest level of security features available at present. All communication between your browser and businessONLINE are fully encrypted using a 256-bit SSL encrypted secure connection and is authenticated with Emirates NBD Bank's world class Global Trust Infrastructure that meets the global standards.

• I am interested, how can I apply for this service?

  Simply obtain the businessONLINE application forms from your Relationship Manager, nearest Business Banking Centre or Branch and provided the requested information.

• Do I need separate software?

  No, all you need is an Internet connection and a compatible browser installed at your computer.

• What are the system and browser requirements for using the new portal?

  The system requirements for businessONLINE are as follows:

  • An internet connection
  • Subscriber ID, User ID and password (provided by the bank once you subscribe for the service).
  • A PC with a browser, preferably Google Chrome.
  • For the PC the minimum required configuration is:
    • Intel Core to duo, or similar capacity processor with 2 GHz and above, 2 GB RAM with minimum 40 GB of Free Hard Disk Space with Windows 7/10.
    • Any of the following Operating Systems: Windows 7/10.
    • This service is best viewed using Internet Explorer 11, Google Chrome (70+), Firefox (60+), Safari (5+), Opera (40+).

   

Show More

• What is businessONLINE?

  businessONLINE is Emirates NBD Bank's powerful user-friendly online banking service that helps Corporate & Institutional Banking and Business Banking clients to execute complex banking transactions from their desktop. This platform offers for additional features to cater to your business needs.

  Key Features:

  • Single window view of all Emirates NBD Bank accounts, mapped to a single User ID. This includes Payments, Account Services, loans, deposits and linked accounts.
  • Customizable Dashboard with enriched information reporting and self-service MIS reports.
  • Own Account Transfer and Third Party Transfer etc.
  • Bulk payments, Utility Bill payments.
  • Rests for Deposit opening.
  • Cheque Book Requests.

  Key Benefits:

  • Real-time access to all your account information.
  • Customisation and Security - You can pre-set the information access, multi-level approval process and transaction authority for various employees, for complete security.
  • MIS Integration - You can download your account statement in different formats, including MS Excel or Text file or PDF.
  • Audit Trails (View Transaction History and Workflow Details). You can track all transactions by date/ Product Type/ Beneficiary Account etc. to monitor any misuse of access.

   

• Is the businessONLINE platform secure?

  businessONLINE uses the highest level of security features available at present. All communication between your browser and businessONLINE are fully encrypted using a 256-bit SSL encrypted secure connection and is authenticated with Emirates NBD Bank's world class Global Trust Infrastructure that meets the global standards.

• I am interested, how can I apply for this service?

  Simply obtain the businessONLINE application forms from your Relationship Manager, nearest Business Banking Centre or Branch and provided the requested information.

• Do I need separate software?

  No, all you need is an Internet connection and a compatible browser installed at your computer.

• What are the system and browser requirements for using the new portal?

  The system requirements for businessONLINE are as follows:

  • An internet connection
  • Subscriber ID, User ID and password (provided by the bank once you subscribe for the service).
  • A PC with a browser, preferably Google Chrome.
  • For the PC the minimum required configuration is:
    • Intel Core to duo, or similar capacity processor with 2 GHz and above, 2 GB RAM with minimum 40 GB of Free Hard Disk Space with Windows 7/10.
    • Any of the following Operating Systems: Windows 7/10.
    • This service is best viewed using Internet Explorer 11, Google Chrome (70+), Firefox (60+), Safari (5+), Opera (40+).

   
• If I am a migrated client which password should I use on my first login to businessONLINE?

  If you are a migrated user you can use your existing smartBUSINESS 2.0 password. In case the password is expired, then you will be prompted to change the password.

• If I am a migrated client, can I use same Hard Token to authorize transaction in businessONLINE?

  Yes, you can use your existing Hard Token post migration to the new channel.

• What could be the charges?

  The applicable charges are published on our bank website.

  www.emiratesnbd.com/en/assets/File/EmiratesNBD_BB_Schedule_of_charges.pdf

• What can I do with businessONLINE?

  You can view Account Balances, view and download Account Statement, Initiate transactions, and view Transaction history, and much more.

• How can I login to businessONLINE?

  Please follow the below steps:

  • Simply visit our website www.emiratesnbd.com and click on the "Login to businessONLINE".
  • Enter your Subscriber ID, User ID, your login password and click on "Login".
  • Select an authentication method from the options available and enter the OTP or response code accordingly. Upon successful validation, you can access businessONLINE.

   
• Can I access businessONLINE through my mobile device?

  Yes, you can access businessONLINE via your mobile device. The businessONLINE app is available for download from the AppStore and Google Play Store, for free. Just open AppStore or Play Store and search for "businessONLINE – Take Control", you will see the app with Emirates NBD Bank logo.

• I have forgotten my businessONLINE password. What should I do?

  In case you have forgotten your password, there is a very simple process to create a new password for yourself. On the login page, click on the 'forgot password'. All you need to do is enter your Subscriber ID, User ID and Generate OTP. This is done to validate your details. After this you can create a new password.

• My user id is disabled. What should I do?

  If your User ID is disabled in businessONLINE, you may contact our Client Service team for assistance.

  Business Banking Customers Help Desk
  Tel: +971 4 3160214 - Select Option 1 on IVR
  Email: [email protected]

  Corporate Banking Clients Help Desk
  Tel: +971 4 3160214 – Select Option 2 on IVR
  Email: [email protected]

• What is One Time Password (OTP)?

  OTP, a unique six-digit numeric code sent to your mobile number registered with Emirates NBD Bank, it is introduced as an additional security feature by Emirates NBD Bank to protect your account from online fraud. It's a security system that protects you whenever a change in your login and transaction pattern is observed by alerting you through OTP and authenticating your transactions.

  The OTP will be sent to you for all funds transfers, bill payment, password reset and payee addition. OTP is confidential and should not be shared with anyone, even if the person claims to be an Emirates NBD Bank's official. Please ensure that your mobile number is accurately updated with us to be able to transact online.

• What should I do in case I have lost my token device or mobile soft token?

  Please contact Emirates NBD Bank's Client Services for assistance.

  Business Banking Customers Help Desk
  Tel: +971 4 3160214 - Select Option 1 on IVR
  Email: [email protected]

  Corporate Banking Clients Help Desk
  Tel: +971 4 3160214 – Select Option 2 on IVR
  Email: [email protected]

• What is User ID?

  User ID is an alphanumeric field with minimum 3 characters and Maximum 32 characters is accepted, entered by the corporate themselves at the time of requesting for businessONLINE. The same is known to the user / corporate only.

• Can I change my User ID?

  No, you will not be able to change your User ID, however, you may request for the existing User ID to be deleted and can request for a new User ID to be created (as required).

• I am not Tech Savvy, is that a problem?

  businessONLINE is very straight forward and is user-friendly. If you require further assistance, our specialist will guide and assist you to the system. Moreover, we also have a dedicated client service team who is ready to assist on your inquiries. You may reach our client services team for assistance.

  Business Banking Customers Help Desk
  Tel: +971 4 3160214 - Select Option 1 on IVR
  Email: [email protected]

  Corporate Banking Clients Help Desk
  Tel: +971 4 3160214 – Select Option 2 on IVR
  Email: [email protected]

• When can I use businessONLINE?

  With businessONLINE, you have access to your account information 24 hours a day, 7 days week.

• How would I know if my profile is created on businessONLINE?

  Upon creation of profile an email notification will be sent to the contact person of the company.

• Who can use businessONLINE?

  Anyone who has banking relationship with Emirates NBD Bank and having current account with us can use businessONLINE.

• What are the precautions that needs to be considered while using businessONLINE?
  • Please don't use obvious passwords which are easy for people to guess (like name of spouse, date of birth, alpha or number in sequence etc.).
  • Please don't disclose your password to anyone, including staff of Emirates NBD Bank.
  • Please change your password at regular intervals (at least once a month), more so if you have accessed Business Online from a shared PC or a cyber-café.

   
• What do I do if I do not receive OTP on my mobile number registered with Emirates NBD Bank?

  We request you to call us at our Client Service and check if your registered mobile number is correct. If the registered mobile number is incorrect, please visit your nearest Emirates NBD Bank Branch and submit the businessONLINE user maintenance form.

• How do I know which OTP should be entered if I receive multiple OTP's?

  You should enter the latest OTP received on your mobile number.

• How do I access my businessONLINE account if I do not receive OTP?

  You will not be able to access businessONLINE without an OTP.

• Can I use the same OTP multiple times?

  No. OTP is a dynamic password and is valid for the current event only.

• How many passwords do I have for businessONLINE?

  You have only one password for businessONLINE i.e. Login password. The login password, as the name suggests is required to login to your businessONLINE profile.

• I do not remember my User ID?

  Please contact your System Administrator. In case of any difficulties, please reach out to your Relationship Manager or Client Service team.

• What is to be done when a user gets the message "Access denied"?

  User should check for invalid login credentials - if the user's password is incorrect or account is locked.

  For incorrect password, please input the correct login password. If you are unable to remember the same, please reset your password. On the login page, there is a link for forgot password. You need to click on that page and create a new password. All you need to do is enter your Subscriber ID, User ID and Generate OTP. This is done to validate your details. After this you can create a new password.

• We would like to give inquiry only businessOnline access to one of our accountants / junior staff (who is not the authorized signatory). Is this possible?

  Please fill up the businessONLINE set-up and application form and select ENQ (Enquiry only) menu profile for the user.

• What is the access rights provided to Enquiry Only user?

  This user would be able to view the account balance & download the account statement for which the corporate has given him access to (and not necessarily all the accounts).

• What is the maximum number of users that can be created for a corporate?

  There is no such upper limit. It entirely depends on client's requirement.

• When I login to businessONLINE, I am unable to see any account?

  You may reach our client services team for assistance.

  Business Banking Customers Help Desk
  Tel: +971 4 3160214 - Select Option 1 on IVR
  Email: [email protected]

  Corporate Banking Clients Help Desk
  Tel: +971 4 3160214 – Select Option 2 on IVR
  Email: [email protected]

• I do not want multiple users to access my account. Is it mandatory to have more than one user?
  No, it's not mandatory to have multiple users. If only one user should be allowed to login businessONLINE then there will be no workflow rule set up and that user can independently access the accounts and make transactions and place service rest on his own without any approval.
• Is there any expiry period of login and transaction password?

  Yes, there is an expiry period of login password as per bank's policy (i.e. 90 Days). However, transaction password is OTP or Token.

• What accounts will I be able to access through businessONLINE?

  You can access your Current Account, Deposit Account, Loan Account and Credit Card from the Online Banking Service. Our Online Banking Product is intended to give you as much access, security and versatility as possible.

• Can I download statements?

  Yes, you will have 24/7 access to your Banking transaction and will be capable of downloading your Bank statement as per your selected period (Up to 180 days).

• What formats can I download my transaction history?

  You can download the transaction history in PDF, Excel and Comma Separate Values (CSV).

• Can I make payments to other Banks as well?

  If you have subscribed for a businessONLINE package which permits Local and International transfers, you will be able to make payments to other banks.

• Do I need to be in the country while approving transactions?

  No, businessONLINE provides you with the flexibility to access your online profile at anytime from anywhere around the world. All you would need is your login credentials, a Token device (hard token if any) and access to the internet.

• What is the default daily limit on businessONLINE?

  The default daily transaction limit is AED 999,999,999,999.00. However, you can request the bank to change the pre-set daily limits.

• Is there any limit on the amount of funds that can be transferred through businessONLINE?

  By default, there are no limits setup. However, if required, businessONLINE provides you with the flexibility to place three types of limits -

  • User level limits for Maker Authorizers – Place a transaction limit for Users who have "Maker and Authorizer" access.
  • Workflow limits – Setup limits as per your company's payment mandate.
  • Daily transaction limit – Place a limit for the maximum payment value which can be released by your company online, per-day.

   
• I would like to change / increase my businessONLINE limits. How can I achieve this?

  Please contact our client service team who will guide you with changing the required limits.

  Business Banking Customers Help Desk
  Tel: +971 4 3160214 - Select Option 1 on IVR
  Email: [email protected]

  Corporate Banking Clients Help Desk
  Tel: +971 4 3160214 – Select Option 2 on IVR
  Email: [email protected]

• Is there an expiry period for approval of transaction?

  Yes, transactions which are not approved within 30 days from the date of initiation, will get rejected.

• Can I schedule future transfer?

  Yes, you may schedule future Value Dated transaction.

• Why am I not able to do financial transactions after logging in businessONLINE?

  Account holders with joint or conditional operation rights may not have access to some features. In case you require any further clarification please contact your Relationship Manager.

• Can the client login from Admin ID using mobile application?

  Administration module is not available on Mobile application.

• Are there separate charges for enabling soft Token?

  There is no separate cost for Soft Token.

• How do I know that a particular transaction is processed?

  The transaction status is updated on the channel. The status of the processed transaction will be "Processed by Bank". Also, the same can be checked in your account statement.

• How do I access businessONLINE if I have international number, will I be able to receive SMS OTP?

  Yes, you will be able to receive SMS OPT in your international number. Please note there could be a delay in delivery with a few operators in receiving the SMS OTP.

• What is the session time out period?

  The session time out period is 10 minutes.

• Can I have OTP and Soft Token options at the same time?

  Yes, you can have OTP and Soft Token as authentication type.

• Will I be able to login immediately upon closing the browser without logging out appropriately?

  Yes, you will be able to login to channel.

• Is multi login possible for given user?

  No, multi-login is not possible for a user.

• How can I cancel a transaction and what status would appear in the application?

  A user can cancel the transaction from his / her queue if the user has the access to it and the transaction follows the workflow matrix as updated in channel. A user can view the transactions as the transaction inquiries under "Payment Type" field as "Cancel Transaction"

• How to download the archived statements?

  You can provide date range in the range of 180 days.

• How will a user get notified on token expiry if hard token is assigned to client?

  The user will be prompted once the token has expired.

• How many years' statements can be viewed online?

  The statements are available for 7 years.

• How will I generate MT940 statements online?

  Currently, the MT940 statements are not available. This option will be available in our next release.

• How will I view the Swift copy (Inward and Outward)?

  You can download and view SWIFT copy for outward remittances only. SWIFT copy for the inward remittances is not available as of now. It will be made available in our next release.

• How can I view Cheque image?

  You can download and view cheque image from businessONLINE.

• File upload - what all file extension is supported?

  businessONLINE supports Excel, CSV (Comma Separated Values), Txt file with delimited (comma, pipe).

• File upload - what all delimiters is supported?

  businessONLINE supports few delimiters like comma and pipe.

• How many years transaction can be viewed online?

  businessONLINE will have transactional data for a year.

• How will I perform batch recall and Individual recall?

  You will have option to recall the transaction if you right-click on a particular transaction. For more information, please refer to the demo available in our website and refer to the online help available in businessONLINE.

• How will I perform encrypted file uploads?

  File encryption is at subscription level. User can download the file conversion tool to encrypt the file and upload the encrypted file. For more information, please refer to the online help available in businessONLINE.

• How to do Beneficiary registration as a single and file upload?

  User can register a beneficiary from Initiate option as "Add Beneficiary" and can also register multiple beneficiary through "Beneficiary Upload" option.

• What will be the Payment Types used for Transfers within Emirates NBD/Emirates Islamic, LCY and FCY?

  Following payment types will be used:

  • Transfer within Emirates NBD/Emirates Islamic – WITHIN BANK PAYMENT
  • LCY – LOCAL CURRENCY PAYMENT
  • FCY – FOREIGN CURRENCY PAYMENT

   
• How will I get notified for rejected transaction?

  User will get the notification upon rejection of transaction by subsequent approver.

• Will I get notified to authorize/release the transaction?

  Yes, you will get a notification for a transaction to be authorized or released.

• How will I download template details to perform file uploads?
  • You need to navigate on the relevant product for transaction processing through file upload.
  • Select the relevant template name from drop down and click on "Template Details".
  • You will get all the relevant details (i.e. Field Name, Data Type, Field length, Required, Sequence, description etc.). You can download the template and fill the requisite details as mentioned in template.

   
• Can I send a query from businessONLINE directly to Client Service team?

  No, you cannot send query to Client Service via businessONLINE.

• Where can I check the status of payment?

  You can check the status of the transactions under Payments -> Transaction Summary tab.

• What kind of statuses will get displayed right from initial to end stage of processing?

  You can view various transaction status in businessONLINE. Few of the status are as follows:-

  1.Pending Verification
  2.Pending Accept 3.Ready for Authorization
  4.Ready to Release
  5.Sent to Bank
  6.Processed by Bank
  

• Can I send a recall or amendment request online?

  Yes, you can send a recall or amendment request via businessONLINE for Foreign Currency Transfer.

• How can a user see if preferential rate is linked to profile?

  There is no provision for a user to verify the charges set-up in their subscription. However, users can verify the charges on their account post executing the transaction.

• Which option authorizer needs to visit to view the transactions listing for his/her approval?

  Authorizer need to go to "Payments" tab and click on Pending Activities.

• When will the transaction be considered as authorised from client's side?
  • Once the transaction is authorized by all the authoriser(s) as per the defined matrix (without Release Function).
  • Post transaction is authorized by all the authoriser(s) as per the defined matrix and then releaser will release the payment (with releaser function).