Send an inquiry via SMS and receive the answers on your mobile phone in just three easy steps*:

• Key relevant SMS command into your mobile
• Dial 4455 and send
• View your information on the screen

Below is a list of services for which you can receive SMS feedback to your enquiries:

• Account Summary

  Access the summary of all accounts under your customer number along with the currency and account description.

  Simply key in: SXXXXXXXXXXX (AS stands for Account Summary and your 11-digit account number) and send to 4455

  Example of Message Format
  "The Summary of A/C 021-XXX11XXX-01 AED 8002.1+ 021-XXX11XXX-01 AED 49904-"

• Account Balance

  View the present available balance of any account type (Current Account, Savings Account, Special Current Account, Currency Passport Savings Account, Fixed Deposits, Call Account, Plan A/c) along with the currency and the debit/ credit status.

  Simply key in: ABXXXXXXXXXXXXX (AB stands for Available Balance and either your 11-digit account number of 16-digit Fixed Deposit account number) and send to 4455.

  Example of Message Format
  "AED 1,000.00 is Available Balance for your account 021-XXX11XXX-01"

• Credit Card Details

  Access basic credit card details, such as total credit limit, available credit, and present balance.

  Simply key in: CDXXXXX (CD stands for card details and the LAST 5 digits of the credit card number)

  Example of Message Format
  "Credit Card you have specified, Credit limit is AED 10,000.00+ available credit is AED 9,998.50+ Present Balance is AED 1.50+"

• Credit Card Payment Details

  View payment details of your credit card, including minimum payment due and payment due date information.

  Simply key in: PDXXXXX (PD stands for Payment Details and the LAST 5 digits of the credit card number)

  Example of Message Format
  "Credit Card you have specified, Minimum Payment due is AED 0.00+ Payment due date is 22Jan03"

• Currency Passport Savings A/c Rates

  This function will enable you to view the savings account interest rate for all of the three major currencies (GBP, USD, EUR)

  Simply key in: CPSA then send to 4455.

  Example of Message Format
  "Interest rates for CPSA A/Cs are: GBP 2.875 USD 3.625 EUR 2.875"

• Exchange rates

  Get information on the buying and selling rate for any of the 23 foreign currencies listed below, against AED.

  Simply key in: FXzzz FXzzz (The zzz stands for the currency code required; for US dollars, it's USD. Following is a list of codes for the available currencies.)

  Available Currencies: AUD, BHD, BDT, CAD, LKR, INR, JPY, JOD, KWD, OMR, NOK, PKR, QAR, SAR, SGD, SEK, CHF, GBP, USD, EUR, NZD, DKK, HKD.

  Example of Message Format
  "As per your request, the USD rate against AED is: Buy rate 3.653 Sell rate 3.685"

• Fixed Deposit Rates

  This function enables the user to view the fixed deposit rates for any of the following 8 currencies: AUD, CAD, JPY, CHF, AED, GBP, USD, EUR. Rates will be displayed against each period code.

  Simply key in: FDzzz (The zzz stands for the currency code required)

  Example of Message Format
  "FD interest rates for USD are: 1 month 0.7500 3 months 0.7500 6 months 0.7500 12 months 0.8750"

• Mini Account Statement

  Get information on the last 4 transactions of your account, including the date, description, amount and debit/credit status of each transaction.

  Simply key in: MASXXXXXXXXXXXXX (MAS stands for Mini Account Statement followed by your 13-digit account number or 16-digit Fixed Deposit account number)

  Example of Message Format
  "The last 4 tranx of A/c 021-XXX11XXX-01 are 05Jan2009 DR SALARY 3,700.00- 24Jan2009 DR ATM TRANS 100.00- 28DEC2009 DR ATM TRANS 100.00- 29DEC2009 DR ATM TRANS 300.00-"

• Mini Card Statement

  Receive information on the last 4 credit card transactions displaying the date, description, amount and debit/credit status of each transaction.

  Simply key in: MCSXXXXX (MCS stands for Mini Card Statement and the LAST 5 digits of your credit card number)

  Example of Message Format
  "The last 4 tranx of your Credit Card 02Jan2009 CREDIT CARD 54.94- 03Jan2009 ADVANCES.COM 45.44- 1Jan2009 1.00- 10Dec2009 21.70+"

• Plan A/c Rates

  Receive the Plan account interest rates for AED and USD.

  Simply key in: PLAN

  Example of Message Format
  "As per your request, the Interest rates for Plan A/Cs are: AED 0.750 USD 0.875"

• Etisalat Bills - Balance Inquiry

  Inquire about your Etisalat's bills.

  Simply key in: ETIBAL xxxxxxxxxx (The xxxxxxxxxx is your consumer Number. Kindly enter mobile code 050/056 along with consumer number for GSM and Wasel)

  Example of Message Format
  The last billed outstanding amount for your ETISALAT consumer # 0509999999 is AED 10

• Etisalat Bills - Bills Payments

  Pay your Etisalat Bills, such as Mobile, Landline/eLife, Internet account, Al Shamil, E-vision and Wasel numbers.

  Simply key in: ETIPAY xxxxxxxxxx yyy (The xxxxxxxxxx is your consumer number, and the yyy is the amount you will pay)

  Example of Message Format
  Payment of AED 100 will be made shortly to your consumer number 0501000000. Your SMS banking confirmation number is 0000

  For WASEL RENEWAL:

  Simply key in: ETIPAY xxxxxxxxxx WAS (The xxxxxxxxxx is your consumer number. Kindly enter mobile code 050/056 along with consumer number for GSM and Wasel)

  Example of Message Format
  Payment of AED 100 will be made shortly to your consumer number 0501000000. Your SMS banking confirmation number is 0000

• Cancel subscription

  Unsubscribe from SMS banking services by sending a text message to 4455. The SMS formats for canceling SMS banking subscription are as follows:

  For account:
  UNSUBSCRIBE ACCT XXXXXXXXXXXXX (The XXXXXXXXXXXXX stands for your 13- or 16-digit account number) - This allows you to unsubscribe the Push and Pull services for a particular account

  For Credit Card:

  • UNSUBSCRIBE CC XXXXX (The XXXXX stands for the last 5 digits of the credit card number) - This allows you to unsubscribe the Push and Pull services for the credit card.
  • CC XXXXX (The XXXXX stands for the last 5 digits of the credit card number) - This allows you to unsubscribe the Push services for the credit card that includes messages for Purchase/retail transactions, Utility Payments, All cash advance transactions.

   

  For all accounts & Credit Cards registered under the same mobile number:
  UNSUBSCRIBE - This option allows unsubscribing all the accounts and cards at once that have been registered with the mobile number.

• Salik Account Recharge

  Recharge your Salik account and make enquires on the available balance by following the step by step procedure mentioned below:

  Procedure

  • Register mobile number through New/Modify registration under SMS banking menu on Online Banking.
  • Link the Salik account number to mobile number and assign a ShortName through the option of Payment Setup under SMS banking menu
  • Send SMS from the registered mobile number in the below format to 4455

   

  For Recharge
  Salik 'ShortName' Amount

  For Balance Enquiry
  Salik 'ShortName'

  * This service is currently not available in Arabic

• RTA Parking Fine Payment

  Pay your RTA Parking Fines and enquire on the fine amount by following the step by step procedure mentioned below:

  Procedure

  • Register mobile number through New/Modify registration under SMS banking menu on Online Banking and tick 'RTA Payments' option.
  • Link the Vehicle details to mobile number and assign a ShortName through the option of Payment Setup under SMS banking menu
  • Send SMS from the registered mobile number in the below format to 4455

   

  For Fine Enquiry
  RTA Ticket#

  For Fine Payment
  RTA Short Name Ticket#

  * This service is currently not available in Arabic

• Utility Payments

  Pay your Utility Bills such as DEWA, AADC (Al Ain Distribution Company), ADDC (Abu Dhabi Distribution Company) and EMPOWER by following the step by step procedure mentioned below:

  Procedure

  • Register mobile number through New/Modify registration under SMS banking menu on Online Banking and tick 'Utility Payments' option.
  • Select Utility type and link the consumer number to mobile number and assign a ShortName through the option of Payment Setup under SMS banking menu
  • Send SMS from the registered mobile number in the below format to 4455

   

  For Payment
  Utility type ShortName Amount

  Example
  DEWA test 10

  * This service is currently not available in Arabic

• DU Bills - Balance Inquiry

  Inquire your about DU bills

  Simply key in DUBAL xxxxxxxxxx (The xxxxxxxxxx is your consumer Number)

  Example of Message Format
  The last billed outstanding amount for your DU consumer # 0559999999 is AED 100.56

• DU Bills - Bills Payment

  The function will enable you to pay your DU Bills such as Pay As You Go, Monthly Plan, DU Landline/Call Select

  Simply key in: DUPAY xxxxxxxxxx yyy (The xxxxxxxxxx is your consumer number, and the yyy is the amount you will pay)

  Example of Message Format
  Payment will be made shortly to your consumer number 0551000000. Your SMS Banking confirmation # is 1111

• Account Transfer

  This function will enable you to transfer funds between your own accounts as well as to third party account(s) within the group by following the step by step procedure mentioned below:

  Procedure to transfer between own accounts/third party accounts within the group

  • Setup beneficiary details under Transfers menu on Online Banking. (For transfer to third party account(s) within the group)
  • Register mobile number for Transfers option through New/Modify registration under SMS banking menu on Online Banking.
  • Under Transfer Setup option under SMS banking menu, select the account/beneficiary you wish to transfer to and assign short name.
  • Send SMS from the registered mobile number in the format - Transfer ShortName Amount to 4455.
  • A response SMS displaying the details along with a transfer confirmation number will be sent for verification.
  • After verification, send an SMS to 4455 with the confirmation number received in the format - TCN XXX.
  • On successful receipt and validation of the confirmation number response SMS will be sent.

  Note:

  • Current mobile number should be updated under Profile -> Personal Details on Online Banking in order to receive authentication code while setting up the transfer profile.
  • Please ensure to remember the Short Name you specified as you will have to use it for future transfers.
  • In the response SMS you receive, the currency specified will be that of 'From account'.
  • It is advisable that the delivery report option of your mobile be enabled.
  • Each transaction reference number generated via SMS will be unique to a transaction and will be valid for only 1 hr after which you will have to initiate a fresh transfer request.

  This service is currently not available in Arabic

• NOL Recharge

  Recharge your NOL Tag Id and make enquires on the available balance by following the step by step procedure mentioned below:

  Procedure

  • Register mobile number through New/Modify registration under SMS banking menu on Online Banking.
  • Link the NOL Tag Id to mobile number and assign a ShortName through the option of Payment Setup under SMS banking menu.
  • Send SMS from the registered mobile number in the below format to 4455.

  For Recharge
  NOLPAY 'ShortName' Amount

  For Balance Enquiry
  NOLBAL 'ShortName'

  This service is currently not available in Arabic

*Available on registration for Etisalat (050 / 056) and du (055) consumer numbers; Standard service provider charges for short messages will be applicable.

To subscribe free SMS Banking service, you need to:

Complete the application form and send it across to your nearest branch of Emirates NBD.

Click here to apply for Online Banking Services.