COVID-19 Coronavirus
Stay updated on
our precautionary measures

Emirates NBD has rolled out its proactive business resilience and continuity plan, in accordance with the UAE government directives and global guidelines.

Nothing is more important than your health and safety, and the need to protect those most vulnerable in the community. We have taken a number of precautionary measures including, but not limited to, the following:

For our employees:

• Split operations, where applicable, across Emirates NBD Group to ensure that there is sufficient space between our employees and that teams are not all working together from the same location. This has been implemented to ensure no interruption in service to our customers.
• Colleagues who are at greater risk i.e.(pregnant women, women with young children, staff with disabilities, senior employees, and staff with pre-existing medical conditions) are permitted to work from home. We have purchased additional equipment to ensure our staff safety is taken into consideration without any interruption to business continuity.
• In addition, flexibility has been provided for working parents (both mothers or fathers) whose kids are left unattended as schools and nurseries close.
• Installation of sanitizers around Emirates NBD Group buildings, when entering and leaving the premises, on entrances of each department and in elevators.
• We have installed thermal scanning machines in our major office premises. These measures have been taken purely as a preventative step to ensure the health and well-being of our employees.
• All internal travel for meetings between offices are discouraged and we strongly encourage staff to make use of the technology provided and conduct meetings virtually.
• A strong drive towards digital and online training will be encouraged as classroom trainings will be put on hold. Live online training sessions will be piloted through modern technology.
• We have strongly advised against any internal or external large gatherings.
• We have created a microsite to continuously ensure our staff are kept up to date with the recent developments as well as create a hotline for staff to raise any issues or concerns they might be facing.

For our Customers:

• We have undertaken precautionary measures across our branch network, ATM and cash deposit machine locations, including additional deep cleaning and sterilization protocols. In addition, we have rolled out training on safety guidelines, social distancing and preventative hygiene practices for all our frontline staff.
• While our branches across the country remain open for our customers’ convenience, we have spent years building a robust digital infrastructure to help customers manage their banking needs from wherever they are and whenever they need.
• Our digital platforms remain fully functional 24/7 and we are encouraging customers to access their mobile and online banking applications for their everyday transactions from the safety of their home.
• In addition, Emirates NBD has created engaging video content on its social platforms to educate and encourage customers on its contact-less banking and payment solutions.

At present, our branches across the country remain open for our customers’ convenience.

We have undertaken precautionary measures across our branch network, ATM and cash deposit machine locations, including additional deep cleaning and sterilization protocols. In addition, we have rolled out training on safety guidelines, social distancing and preventative hygiene practices for all our frontline staff.

However, we urge you to visit our branches only if absolutely necessary. Our digital banking platforms will assist you in carrying out everyday transactions such as making transfers, remitting funds or paying bills conveniently. If you are yet to use our digital banking channels, you can download our Mobile Banking App or sign up for Online Banking easily.

You can also apply for new products, if needed, through our digital banking platforms or at www.emiratesnbd.com.

Our call centre can be contacted at all times on 600 540000 and ATMs and cash deposit machines continue to function as normal for your convenience.

At Emirates NBD, we have spent years building a robust digital infrastructure to help customers manage their banking needs from wherever they are and whenever they need.

For individual customers, our digital banking platforms will assist you in carrying out everyday transactions such as making transfers, remitting funds or paying bills conveniently from the safety of your home. If you are yet to use our digital banking channels, you can download our Mobile Banking App or sign up for Online Banking easily.

Our business and corporate banking customers can carry out everyday transactions as well as trade related requirements via our online banking platforms including smartBUSINESS and smartTRADE. If you are yet to subscribe to these platforms, you can reach out to your Relationship Manager or visit any of our Business Banking centers to enroll.

We will continue to follow UAE government directives and WHO guidelines, and take all measures to protect our employees and customers.

Conveniently transfer funds via (account to account transfer, telegraphic transfers) via Online Banking or Mobile Banking App.

Additionally, you have the option of transferring money instantly to the following countries using DirectRemit service on Online Banking or Mobile Banking App:

• India
• Pakistan
• Sri Lanka
• Philippines
• United Kingdom
• Egypt

You will need to add your beneficiaries in advance as there is a 24 hour waiting period.

Use Emirates NBD mePAY to transfer funds to any accounts via UAE based mobile number even if the beneficiary is not an Emirates NBD customers. Click here for more details.

Non-Individual (Corporate and SMEs) customers may conveniently transfer fund via smartBUSINESS.

Conveniently deposit cash to the cash deposit machines located across UAE. For cash deposit machine locations, click here.

Deposits of coins will only be allowed in select cash deposit machine with coin deposit functionality. Locations of these machines is listed below

• Deira Branch
• Jumeirah Al Wasl Branch
• Al Qusais Branch
• Bank Street Bank Branch
• Springs Souk Branch
• Burj Khalifa Branch
• Dubai Festival City Branch

Please note: Deposits with AED 5 notes will be allowed only in the Bulk Cash Deposit machines.

You can even do large cash deposits via the Bulk Cash Deposit machines in the locations mentioned below:

• Al Muraqabbat Branch
• Al Qusais Branch
• Souk Branch
• Al Quoz Branch
• Sharjah Main Branch Branch
• Ajman Branch

Conveniently withdraw cash from the ATMs. Amounts over AED 15,000 can be withdrawn at the Branches.

You can also use our ITMs to withdraw cash with an Emirates ID.

You can securely deposit your cheques in the cash deposit machines across UAE. For cash deposit machine locations, click here.

Please note, your cheque will be cleared the next working day.

Settle your credit card payments via Online Banking, Mobile Banking App, or ATM/CDM instantly.

Load your Global Cashcard contactless via Online Banking, Mobile Banking App, or CDM (in AED only).

Currently, exchange of currency is not available at branches. However, you can use our GlobalCash card for foreign currency related purchases. You may apply for GlobalCash card via Online Banking, Mobile Banking App.

Instantly update your Emirates ID or Passport via Online Banking, ATM, Website. or via email on [email protected]

Instantly update your registered mobile number or email via our ATMs with your Debit Card.

Only Non-Individual Customers (Corporates and SMEs) will be able to update their details at the branches.

Request new cheque book via your Online Banking, Mobile Banking app, Chat Banking via WhatsApp or ATM. We will deliver it to you within 3 working days.

Non-Individual customers (Corporates and SMEs) will be able to request for a new cheque book via smartBUSINESS or at the branches.

Request your account balance or e-statements instantly via your Online or Mobile banking. Authenticated Statements requested through Online Banking will be stamped and sent to you via courier within 5 working days.

Non-Individual customers (Corporates and SMEs) will be able to request for a statement via smartBUSINESS or at the branches.

If upon cash withdrawal at our ATM your funds were not dispatched or credited to the account, call 600 54 0000.

Please keep your transaction machine receipt for easy reference. In case receipt is not available, advise us specific machine location. You may check exact ATM location through your Mobile Banking App. We will get back to you within 5 working days.

If upon cash deposit at our ATM/CDM your funds were not dispatched or credited to the account, call 600 54 0000.

Please keep your transaction machine receipt for easy reference. In case receipt is not available, advise us specific machine location. You may check exact ATM location through your Mobile Banking App. We will get back to you within 5 working days.

Request a supplementary card via Online Banking or Mobile Banking App.

As far as possible, we recommend that you consider alternatives to cash, which do not require you to touch the ATM screen or use a pen to fill in a deposit slip. You could use contactless payments for purchases at stores, and use the mobile Banking app for online transfers or mePay for cash payments. Emirates NBD has a range of offerings that can support you to go cashless and yet have uninterrupted access to your funds for everyday needs. In the event that you do need to use a bank branch or ATM, please follow hygiene standards like washing your hands with soap & water or a hand sanitizer once you are done with your transaction.

Safe deposit lockers in branches which are temporarily closed will be accessible to you 2 days a week (Sundays and Wednesdays) from 8 AM to 12 PM. Click here for list of branches operational and temporarily closed.

With Emirates NBD Credit Cards, you enjoy the freedom to convert your transactions into easy and affordable monthly installments.

• For the period April 1, 2020 to 31st December 2020 you will be able to convert education fees as well as grocery purchases, paid with your credit card, into interest free installment plans of 6 months. The one time processing fee of AED 49 applicable for this conversion will be waived.
• All transactions above AED 1000 will be eligible for this conversions. This is available conveniently across three channels – Mobile Banking App, Online Banking and via call center.
• All non-disputed retail, e-commerce transactions, education & grocery category as defined by the Merchant Category Code by VISA or MasterCard will be considered.
• In addition to this special offer on school fees and groceries, you can also enjoy a wide range of interest free installments at over 2000 partner outlets in the UAE. Please visit for more details.
• We offer attractive low interest, installment plans for higher tenors of up to 48 months across all retail purchases of AED 750 and above. To apply login to your Mobile Banking App, Online Banking or call center.

For further details on our various installment plan offerings, please visit here

On the Emirates NBD website, kindly click on 'Customer Login' and select “Register for Online/Mobile Banking” You have two options for registration:

• Register with Account: If you select Register with Account, your Account Number and Debit Card number will be requested.
• Register with Credit Card: If you select Register with Credit card, you will need to enter your Credit Card number and date of birth.

If you have both account and credit card with the bank, you will Register using account and debit card only. If you only have a credit card, you will ‘Register with credit card’

Once the above mentioned process is completed, you will then receive an authentication code through SMS on your registered mobile number. Please enter this code on the specific fields on the Online Banking registration screen. Now you can specify your preferred user name and click on 'Confirm' to proceed. You will be requested to select secret questions and determine answers for each, after which you set your password. That's it!

You can now directly login to your Online or Mobile banking using the User Name and Password you have specified.

In case you want to reset your Online Banking password, kindly click on 'Forgot Password' on the login page and select 'Reset'.

You can either reset your password by selecting Reset with Account or Reset with Credit Card:

• If you select Reset with Account, your account number and debit card number will be requested.
• If you select Retrieve with Credit Card, you need to enter your Credit Card number and date of birth.

Post this step, you will receive an authentication code through SMS on your registered mobile number. Please enter this code on the specific fields on the screen. Subsequently, you will need to enter your existing User Name and click on 'Confirm' to proceed and specify your new password. Your password is now reset and you can directly login to Online or Mobile banking.

On the Online Banking login page, kindly click on 'Forgot User Name' option and select 'Retrieve'.

You can either retrieve your Online Banking User Name by selecting 'Retrieve with account' or 'Retrieve with Credit card'.

• If you select 'Retrieve with Account', your Account Number and Debit Card number will be requested.
• If you select 'Retrieve with Credit Card', you need to enter your Credit Card number and date of birth.

Post this step, you will receive an authentication code through SMS on your registered mobile number. Please enter this code to the specific fields on the screen. After answering the secret questions, your Online Banking User Name will be displayed on the screen. You can now directly login to Online or Mobile banking.

All the information on Online Banking is updated immediately except for the following:

• Once you have linked your new Credit card through Settings, it would take a turnaround period of 24 hours to reflect across Online Banking.
• Credit Card transactions will reflect in the statement after 24 hours.

Dashboard page is displayed once you log in to your Online Banking account. You can also access this page anytime by clicking on your profile picture on Main Menu.

We have endeavored to provide a dashboard page through which you will be able to see your overall financial status and products at a glance. You have the option to customize the page, to enable you to track what is important for you.

There you will see the following tabs:

• Spending
• Saving
• Investing

Under these you can view your available balance with upcoming payments, saving accounts and investment portfolio, respectively.

On your first login, we will ask you to select a Budget period and Favorite Account. The Money Bar at your dashboard page will work according to these selections.

The star symbol next to the Account Name means this is your favorite account. Considering your scheduled payment and transfers together with your monthly balances, we will show your Available Balance, Upcoming Transactions and Safe-to-Spend amount, which is the amount that can be spent safely after performing upcoming payments.

You can switch the view to see the bar chart of balance history for the last 6 months.

Once you scroll down, you will be able to see the 360 degree view. This view will show 'What I Own' along with possible new products which you can apply for.

Under 'Recent Transactions', on the bottom of the page, the last 5 transactions performed through Online or Mobile banking are listed. If you click to “See Account History”, your statement will be displayed.

Personalization

• Favorite Account/Cards and Safe to Spend Concept
• Profile/Background Picture
• Product Nicknames

Card Related Services

• Display Debit Card
• Balance Conversion (Credit Card)
• Change PIN
• Card Activation
• Blocking/Unblocking

Additional New Services

• Liability/Non Liability Letter
• Private Wall
• Investment Portfolio
• Beneficiary Book
• Preapproved Personal Loan Application
• Creating Goal for Savings Account
• Digital Store

Private Wall enables you to reach us through sending messages for any subject. The answers sent by our support team will be displayed on the same screen.

You can access to a variety of products including accounts, cards, loans, investment products and bank requests through Digital Store and view the offers that we recommend to you according to your needs.

It is also possible to track and view your product applications and service requests from Online/ Mobile channels through application tracking page. You can also upload documents for your personal loan application, regardless of the application channel. Your requests and applications initiated within 30 days will be listed on this page.

There is a wide range of services available through Online Banking for making your online banking experience better.

Below mentioned are the services and transactions which are available.

Registration & Login

• Login
• Forgot User Name
• Forgot Password
• Forgot Secret Questions
• Retrieve your Online Banking ID
• Register for Online/Mobile Banking
• Register
  • With account and Debit Card
  • With Credit Card
• Continue Registration
  • Complete registration made from branch/Call Center/ATM

Dashboard

• Favorite account, Money Bar
• Spending, Saving, Investment
• 360 view
• Recent Transactions

My Finances

• Accounts (All Accounts, Current Account, Savings & Deposits)
• Favorite account (Money bar, Balance History graph )
• Upcoming transactions (for favorite account)
• Account details
• Account Statement
• Additional services (Cheque Book, Balance Confirmation, Authenticated Statement, Renewal Options, Demand draft, Manager Cheque, E statement download, Close deposit)
• Recent transactions
  • Loans (All Loans, Personal Loan, Auto Loan, Home Loan)
• Loan balance bar
• Loan services (Top -up, Overdue payment, Clearance letter, Early settlement, partial settlement, Installment deferral)
• Loan statement
• Loan details
  • Cards (All Cards, Credit Cards, Debit Cards, Prepaid Cards)
• Card balance bar
• Card services (IPP, Balance Conversion, Loan on Card, Cash advance, Top up, Unload, Purse tPurse, Change PIN, Block card, Unblock card, Card Activation)
• Card Statement
• Recent Transactions
• Card details
• Rewards Points
  • Investment
• Portfolio Summary
• Assets Classification

Pay & Transfer

• Payments
  • New Payment
  • Telecommunication
  • Utilities
  • Credit Cards
  • RTA
  • Fines
  • Property
  • Airlines
  • Other Payments
  • Standing Instructions
• Transfers
  • New Transfer
  • Between your own accounts
  • Another Emirates NBD accounts
  • Emirates Islamic Bank accounts
  • Local transfers
  • International transfers
  • Direct Remit India, Philippines, Pakistan, Sri Lanka, Egypt, and UK
  • Western Union
  • Direct Transfer to Lebanon
  • Standing Instructions
  • Beneficiary Book
  • Transfer Beneficiaries
  • Payment Beneficiaries

Online Advice

• Frequently Asked Questions
• Recent Transactions
• Private Wall
• Notification Centre

Settings

• My Profile
• Personal Details
• Banking Packages
• Profile Completeness
• Profile picture / Background photo update
• Configuration settings
• Favorite account & card
• Link accounts & cards
• E Statement/ E advice
• Social Banking
• My Services
• Security Settings
• Password & Secret Questions
• My Limits

Digital Store

• Offers & Promotions
• Apply for Products
• Current accounts
• Savings & Deposits
• Cards
• Loans & Overdraft
• Investments
• Insurance
• Application Tracking
• Bank Requests
• Requests for Cards
• Requests for Loans
• Requests for Accounts
• General Requests

Through Online Banking you can edit your personal information and contact details except mobile number and email address through Profile Settings tab under Settings. Moreover you can also update your latest documents through Online Banking.

Please login to Online Banking, go to Settings and click on Security Settings.You can change your Daily limit of your Account or Credit Card. You can also change the limit of more than one user who is linked to your profile.

Please login to Online Banking, select 'Pay & Transfer' and click on 'Beneficiary Book'. You will be able to add, or delete any beneficiary to perform any types of transfers or payments. You can also select to add a beneficiary to Beneficiary Book after completing a payment or transfer.

Please note that beneficiary addition for transfers have a 24 hour waiting period.

Please login to Online Banking and select 'My Finances'. You will be able to view the balances of all your accounts and credit cards. If you would like to see additional details and statements, simply select one of the Accounts or Credit Cards and click on 'Statement' option.

You will be able to view and retrieve your updated Account Statements immediately after you perform any Debit Card transactions or any transfer and payment is completed. However, the updated Credit Card Statements will only be available to view 24 hours after you perform any Credit Card related transactions.

Please login to Online Banking, select 'Pay & Transfer' and click on 'Transfers'. You will be able to select Transfer Type, Resource Account and Beneficiary to complete your transfer.

Please login to Online Banking and select 'Pay & Transfer'. You will be able to select Payment Institution, Resource Account or Credit Card and Beneficiary to complete your transfer.

To convert Credit Card purchases into installments, you need to view your Credit Card statement through your Online Banking and search for that specific transaction. Next to the transaction, you will see a link that says "Convert to Installment Payment Plan?" When you click on that link, you will be requested to select the Tenor period to convert the purchase amount in installments. The interest rate, the monthly installment amount, and the total amount payable will automatically be generated before you confirm. The first installment will be debited from your account at the end of the same month that you apply for the service.

To redeem your Credit Card points through Online Banking, kindly select 'My Finances' and click on 'Cards'. You will need to select a credit card and scroll down to see your points balance and make redemption.

You will no longer be able to view your Emirates Islamic credit card on the Online Banking platform. However, you can still make a payment to your Emirates Islamic credit card by adding it as a beneficiary.

We urge you to protect your information at all times be it over the internet or during your normal banking activities by following these simple tips:

Protect your Password and Personal Information:

• Do not use passwords that are easy to guess, e.g. your name, your date of birth, your telephone number(s), etc.
• Use a combination of upper and lower case letters as well as numbers.
• Do not use share your password with anyone and do not use the same password for other websites.
• Change your password frequently and never write it down.
• Always log into Online Banking via our site at the following address: www.emiratesnbd.com and not through other links.
• Avoid logging into Online Banking from Internet Cafes, Libraries or public sites.
• Always close the window once you have logged out of your Online Banking session.
• Important: No one at Emirates NBD will ever ask you for your Online Banking password. If someone does ask you for it, they do not represent the Bank and you should not under any circumstance provide this information.

Protect your Computer and Internet session:

• Never share your computer.
• Use a combination of upper and lower case letters as well as numbers.
• Use a password on your PC to prevent unauthorized access to your information.
• Be wary of opening email messages from untrustworthy sources, especially if they contain attachments.
• Do not reply to emails that request your personal information. They may appear to come from a trusted friend or business, but they are designed to trick you in disclosing sensitive personal information.
• Use personal firewalls and anti-virus software.
• Avoid downloading software such as screen savers, desktop themes, games, and other executable type programs from websites that are obscure or unidentifiable. These programs may contain Trojan viruses that would enable hackers to monitor or take over your PC.
• Disable all unnecessary services running on your computer.
• Always verify that the site is the genuine Emirates NBD site.
• Do not leave your Online Banking session unattended at any time.
• Before you start your Online Banking session, ensure that all other internet sessions are closed. If your Online Banking session is open we recommend that you do not open other internet browsers at the same time.

Please contact our Customer Service Helpdesk on +97143160316 in case you receive fraudulent emails or require any assistance using our Online Banking service.

Emirates NBD Mobile Banking is a downloadable application, which is compatible with Apple (iPhone & iPad) and Android devices. It provides you with the ability to conveniently perform banking services similar to Online Banking, with the support of both Arabic and English languages.

Emirates NBD Mobile Banking is a downloadable application, which is compatible with Apple (iPhone & iPad) and Android devices. It provides you the ability to conveniently perform banking services similar to the Online Banking service with the support of both Arabic and English languages.

You can download the application(s) to any of the supported devices directly from the vendor store:

• Apple iTunes App Store
• Google Play

Emirates NBD Mobile banking application is free of charge.

You will need to have an active user ID for Emirates NBD Online Banking services, a Smartphone (iPhone and Android phone) and an internet connection either by Wi-Fi or 3G with data services. You can then download the Emirates NBD Mobile banking application to your device and enjoy the convenience of banking with us.

Emirates NBD Mobile Banking application is secure and enables a more convenient and speedy way to transact using your mobile while on the move. Emirates NBD Mobile Banking can be accessed using a registered online banking user ID and password. The User name and password are not stored on the handset. In case of entering your password incorrectly 3 times the application will be disabled. The session will be logged off automatically, if it is inactive for 10 minutes.

You will need to use your Online banking registered user ID and password.

You can block access to Emirates NBD application by calling our call center on 00971 600 54 0000 and block your online/mobile banking user ID, also it is advisable to reset and change your password.

Account / Card / Loan Inquiry, statement and product related transactions.

Transfers:

• Between own accounts
• Other Emirates NBD accounts
• Emirates Islamic Bank
• Local Transfer (UAE)
• International Transfer
• Western Union
• DirectRemit Transfers: To India, Philippines, Pakistan, Sri Lanka, Egypt.
• DirectRemit 2 Mobile transfer which enables you to transfer funds to any mobile number in India within seconds.

Payments:

• Telecommunication: DU , OSN and Etisalat
• Utility Payments: DEWA, SEWA, FEWA, EMPOWER, Punitive And Correctional Establishments, ADDC, AADC and EMICOOL.
• Salik
• Nol
• Credit Cards
• RTA Fines and Dubai Police fines
• Airlines : Fly Dubai and Air Arabia
• Emaar properties
• Donations
• Instant Account Opening: Current, Savings, Fixed Deposit
• Credit Card / Personal Loan Application Requests: Cheque Book, Authenticated Statement, Clearance Letter
• Get Branch Queuing Ticket
• Security Setting: Block/Unblock Cards

You will be able to view all your registered beneficiaries for transfers and payments.

You can enjoy the service as long as you have Wi-Fi connectivity or subscribed to roaming data service through your operator. Data roaming services are chargeable services which you may encounter additional charges to your phone bills.

You can call 00971 600 54 0000 and select option 5 for any further queries, information.

The functionality is only available to Emirates NBD customers, who are using the Emirates NBD Mobile Banking Application.

There is no change on the existing system, which is being used in the branches. Instead of getting the ticket after coming to the branch, now with this service, customers are able to get the ticket even before they reach the branch. There is no paper ticket given to the customer because the image of the ticket is saved as a photo in their mobile device.

You will be able to receive only 1 ticket at a time. Once the ticket is announced only then another ticket can be issued.

You will be informed via SMS when the ticket is called and when it expires.

Before selecting the service, you can see the total number of people waiting in the branch. Once you issue the ticket, you can only see the number of people in queue for that particular service. For instance, there are 10 people in the branch waiting for their turn. If you select "Teller-Individual", only those many people waiting for that service will be shown, so for example if there are 5 people in line for "Teller-Individual" the message on the ticket will show "There are 5 customers waiting for the selected service"

It is possible, as the ticket is saved in to the phone device as a photo. You can also opt in for a facility where the ticket can have your name oriented on it if issued via the Mobile Banking app, this is different to the tickets issues at the branch where the ticket only has the number mention.

Only existing account holders can use this functionality to open a new account.

A customer can open a new account within 30 seconds.

Customers can open a new Current, Savings and Deposit Accounts through this functionality.

You can check the account interest rates by tapping on the "Click here for interest rates" link or visit the website at www.emiratesnbd.com

You can block a Credit Card temporarily through the mobile app. You will only need to select 'Temporary Block' option as the reason for blocking the card on the block Credit Card screen.

If your Credit Card is temporarily blocked by the Fraud team of Emirates NBD, unblocking cannot be done through mobile for security reasons.

You can unblock your credit card which was temporarily blocked by you. If the card is blocked for the reason of lost/stolen/damaged or temporarily blocked by the bank, then you will not be able to unblock your card.

Customers can block/unblock their Card within 20 seconds. If the customer unblocks their card through the mobile app, the Credit Card will be active within 1 hour.

Only while blocking your credit card via the Mobile Banking app, you can request for a replacement card.

Block/Unblock transactions are free of charge. However, for replacement requests, a fee is charged depending on the customer type, and the Terms & Conditions of the credit card owned by the customer.