All you can do with Phone Banking

Quickly and easily access your accounts using our 24-hour automated Phone Banking service

Quickly and easily access your accounts

Use our 24-hour automated Phone Banking service to quickly and easily access your accounts and keep yourself up to date wherever you may be. 

Our phone banking agents are available to serve you in English, Arabic and Hindi 24 hours a day, 7 days a week, including Sundays and public days. Just call us on +971 600 540000 and we’ll be more than happy to assist you.

If you have lost your card and would like to block it, the quickest way to do so is through Online Banking and Mobile Banking.

If your feel your accounts has been compromised, please call us immediately on +971 600 540000.


Note: The system has a built-in and highly secure authentication mechanism, so you can rest assured that your phone banking transactions are safe and confidential. 

Never divulge your PIN number to anyone including Emirates NBD staff or phone banking agents.

Services offered through Phone Banking

Here are the services offered through Phone Banking:

Check your account, card and loan balances 
Apply for your debit or credit card 
Activate your debit or credit card 
Enquire about your credit card reward points 
Enroll for your credit card or account  e-statements
Register for Mobile or Online Banking
Recover your User ID or password 
Pay your utility bills (DEWA/SEWA) 
Top-up your SALIK  account
Apply for a fixed or recurring deposit account 
Enquire about a loan application 
Your last 5 transactions on your card or account 
Transfer between your Emirates NBD accounts 
Make a credit card payment 
Change your debit or credit card PIN 
Reset your debit or credit card PIN  
Decrease your credit card limit 
Convert your purchase into a 0% installment payment plan (IPP) 
Increase your POS limit for your debit card 
Retrieve your IBAN and Swift code 
Set up, amend or delete your direct debit instruction 
Request for a replacement card if yours is lost, stolen or damaged  
Change your credit card billing cycle 
Track your card application status 
Salary credit announcement
Request for cheque book


All Emirates NBD customers with the exception of jointly held and minor accounts can access the phone banking service.

In order to activate your Emirates NBD credit/debit card, please call us at +971 600540000 from your registered mobile number and follow the instructions. This will take you to the activation flow and then you can have the card activated over the call. Alternatively, you can SMS ACT to 4459 from your registered mobile number in order to receive a call back for activating your debit or credit card.

No, you can't redeem your reward or Plus points through Phone Banking, but you can easily redeem them through Mobile or Online Banking. To learn more about your rewards, click here.

Your registered mobile number can't be updated via Phone Banking, but you can easily update it through Mobile Banking or any of our ATMs. To learn more, click here

To reset your credit or debit card pin, click here.

You do not need to register for the utility bill payment option as you can authenticate on Phone Banking using your card number and PIN, by calling out the utility for which you wish to make the payment. Payments can be done for registered/un-registered beneficiaries.

Yes, statement requests can be made through Phone Banking for both accounts and cards. The statements will be sent to your registered email address.

Yes, as long as you have an Emirates NBD debit or credit card and the required utility account number, you may pay someone else's bill. To learn more, click here.

Yes, you can make bill payments through phone banking.  To learn more, click here.

No, telegraphic transfers cannot be made through Phone Banking. However, you can follow simple steps to do the transfer through Online or Mobile banking. To learn more, click here.

You may transfer from your AED account to your US$ account via the phone banking automated system, as long as one of the transacting account is in AED currency.