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Phone Banking
We have recently introduced Eva, Emirates NBD Virtual Assistant to assist you both via Phone Banking and Facebook Messenger. She is the first in the MENA Region and one of the few in the world who can converse with you naturally as voice when you call our Phone Banking or as a natural text interaction when you use Facebook Messenger.
How does Eva assist you and save your time when you call?
How does Eva assist you on FaceBook Messenger?
Our IVR for Phone Banking service is designed to recognize your banking relationship, identify your account information and provide relevant options so that you can get faster access for all your banking related queries.
Key services available in our IVR
With features as great as these, we're sure you'll spend lesser time on the phone and more time doing the things you truly enjoy!
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Go to bank accounts menu | Select your account | Balance will be automatically played for the selected account |
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Go to bank accounts menu | Select your account | Select the option for last 5 Transactions | Last 5 transactions for the selected account will be played |
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Go to bank accounts menu | Select your account | Select the option for statement by fax, email or enrollment to eStatement | The Statement will be emailed or faxed based on your selection |
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Go to bank accounts menu | Select your account | Select the option to do Funds transfer within or outside Emirates NBD | Select transfer amount, beneficiary account & other details to complete the funds transfer |
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Go to bank accounts menu | Select your account | Select the option for new cheque book request | Enter your registered mobile number & complete the request |
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Go to credit cards menu | Select your credit card | Balance will be automatically played for the selected credit card |
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Go to credit cards menu | Select your credit card | Select the option for last 5 Transactions | Last 5 transactions for the selected credit card will be played |
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Go to credit cards menu | Select your credit card | Select the option to pay the credit card bill | Select credit card for which payments is to be done, payment amount & other details & complete the transaction |
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Go to credit cards menu | Select your credit card | Select the option of rewards point | The rewards points for the selected credit card will be automatically voiced out |
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Go to credit cards menu | Select your credit card | Select the option of creating a new PIN |
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Go to credit cards menu | Select your credit card | Select the option of credit card PIN change | Enter the old PIN & then select the new PIN. This changes your PIN instantly |
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Go to loan accounts menu | Select your loan account | Installment & due date information will be automatically played for the selected account |
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Go to loan accounts menu | Select your loan account | Select the option of total outstanding balance | The total outstanding balance including interest will be played |
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Go to credit cards menu | Select your credit card | Select the option to pay the credit card bill | Select credit card for which payments is to be done, payment amount & other details & complete the transaction |
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Go to loan accounts menu | Select your loan account | Select the option for remaining installments | Total number of remaining installments as of today for selected loan account will be played |
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Go to Utility Bill Payment Menu | Select the utility for which payment is to be made | Select the payment amount & the account from which you wish to make payment | The payment will be instantly done & you will receive the reference number |
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Go to Online banking & Mobile Banking Menu | Select the option for reset user ID or password | An auth code will be sent to your registered mobile number & instructions will be sent to your email address | After receiving the auth code , you can logon to online Banking & complete the User ID / Password reset process |
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Go to Online banking & Mobile Banking Menu | Select the option for online banking registration | An auth code will be sent to your registered mobile number & instructions will be sent to your email address | After receiving the auth code , you can to logon to Online Banking & complete the simplified registration process by following the instructions received. |
Step1 | Step2 | Step3 | Step4 |
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Go to credit cards menu | Select your credit card | Select the option to pay the credit card bill | Select credit card for which payments is to be done, payment amount & other details & complete the transaction |
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Go to Online banking & Mobile Banking Menu | You need to select the option for USSD activation | You need to enter the auth code received at the time of pre registeration | After successfully entering the auth code , USSD service will be automatically activated for you |
Means the Instructions given or purported to be given by the Customer to the Bank via the Call Centre or Automated Self Service and also Includes any other written or verbal Instruction issued or purported to have been issued by the Customer to the Bank, and the same are irrevocable and binding on the Customer upon receipt by the Bank.
The BankRefers to Emirates NBD Branches
IVRInteractive Voice Response, This is the machine that the Customer interacts when using the Self Service Banking, It responds to and will accept touchtone evidence Instructions.
Self Service BankingMeans any or all of the banking services offered by the Bank, which can be availed by the Customer via a telephone and the Automated Interactive Voice Response Machine.
Debit CardATM card issued to the Customer by the Bank. The debit card has 16 digit number embossed on it.
ATM PINMeans ATM Personal Identification Number issued by the Bank to the Customer to verify the identity of the Customer and for the Customer to authorize transactions via Call center or ATM machine
Phone PINMeans Phone Personal Identification Number selected by the Customer to verify the identity of the Customer and for the Customer to authorize transactions via the Call Centre or the Self Service Banking.
General ProvisionsThese terms and conditions govern the services offered through Self Service Banking and the Call Centre provided by Emirates Bank Group, These terms & conditions supplement existing terms and conditions applying between the Customer and the Bank with regards to any other products that the Customer has with Bank
Express phone banking at the touch of your fingertips.
Instant Voice Response System (IVRS)
The IVRS is an interactive phone banking system that lets you access your account information and other essential services with powerful and easy to use self-service options:
The system has a built-in and highly secure authentication mechanism so you can rest assure that each phone banking transaction is safe and confidential. Never divulge your PIN Number to anyone including Emirates NBD staff and Phone Banking officers.
EmiratesNBD Phone Banking is a 24 hour banking service, assisted by an automated IVR (Interactive Voice Response) system.
Personal banking: - Dial 600540000
Priority Banking:-Dial 800100
You can access your bank accounts 24 hours, 7 days a week, even on public holidays and Fridays, either through a phone banking representative or the automated service.
Corporate Customers will not be able to access Phone Banking Services. However they can call on the 24X7 Business Banking Number 600540009 for any Account related Enquiries.
All transaction account holders with the exception of jointly held accounts, Minor and Corporate Accounts.
Services available to you are as follows.
Banking/credit Card IVR
Account /Card balance inquiries.
Details of the last five transactions for the Cards/Accounts.
Account to account transfer.
Credit card Payments
Request statements by fax.
Request a cheque book.
Utility bill payments (Etisalat, Du, Salik, Nol, Dewa).
Fixed Deposits and Telegraphic Transfer
Products and Promotions
Speak to the EmiratesNBD Phone Banking representative by pressing '0'.
Through EmiratesNBD Phone Banking you can access your bank accounts 24 hours a day, 7 days a week, and 365 days a year.
How do I activate my Emirates NBD Card
Debit card: - You can call 043160210/600540000 and activate your debit card.
Credit card: - You can call 600540000 and speak to a Phone banking officer or alternatively send an SMS "ACT 123456" (being the last 6 digits of the credit card number) to 4455 for card activation
T PIN is the Telephone Identification Number. It is a confidential 4 digit number, which allows you access to your bank account through EmiratesNBD Phone Banking. This is the same as your Debit card Pin.
You can change your T Pin Number by calling 600540000/043160210 or alternatively visit the nearest ENBD ATM.
If the signing authority is 'either or survivor / AND OR', he will be able to access Phone Banking. If both signatories have to sign as per the account opening mandate (where signature instructions are 'AND') we regret that the Phone Banking service is restricted.
Your T PIN is confidential between you and the bank, and therefore secure. However, you should not disclose your T PIN to anyone to avoid any misuse.
You should call 60054000/or visit the Nearest EmiratesNBD ATM and change your T PIN immediately to prevent any misuse. As per the terms and conditions on the T PIN application, you are solely liable and responsible for all transaction on your account using the T PIN service.
T Pin is the same as your debit Card Pin hence Different Accounts may have different T pins.
What is my Minimum/maximum amount for Funds Transfers /bill Payments
TRANSACTION_TYPE | Maximum | Minimum |
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NOL | 500.00 | 19.00 |
TT Daily Limit | 100,000.00 | 10.00 |
FT Other ENBD Accounts | 200,000.00 | 1.00 |
DEWA | 10,000.00 | 1.00 |
SALIK | 5,000.00 | 50.00 |
Fund Transfer | 10,000.00 | 1.00 |
Etisalat - Wasel Recharge | 10,000.00 | 30.00 |
Etisalat - Wasel Renewal | 0.00 | 0.00 |
Etisalat - Internet Broadband | 10,000.00 | 10.00 |
Etisalat - GSM | 10,000.00 | 10.00 |
Etisalat - Internet Dialup | 10,000.00 | 10.00 |
Etilsalat - EVISION | 10,000.00 | 10.00 |
Etisalat-Landline | 10,000.00 | 10.00 |
DU Prepaid | 1,000.00 | 20.00 |
DU Postpaid | 20,000.00 | 1.00 |
DU Landline | 20,000.00 | 20.00 |
You can withdraw the funds from any ATM immediately.
No. Funds transfer is only permissible between AED accounts & in AED currency only.
No, you do not. You need to use your T PIN and input your bill number on the utility payment option.
You can make payments to Etisalat, Du, Dewa,Nol,Salik.
Yes, as long as you have their utility account number, you can pay for someone else's bill also.
Statement requests made through EmiratesNBD Phone Banking can be sent by Fax.
You can call 600540000/043160404 to redeem or enquire about the Plus Points/Skyward Miles.
You can Visit your nearest EmiratesNBD branch /ATM machine to update your mobile Number. For Only Credit Card holders, Mobile Number update is available only through the branch
Yes, you can however it is necessary that you authenticate yourself on the Phone banking Service through your T PIN.
See how easy it is with the introductory videos. Click here to go to Emirates NBD Official Youtube Channel
SMS Banking Registration
SMS Banking Registration
Setting up account transfer thru SMS Banking
What are people asking?
Emirates NBD Phone Banking is a 24 hour banking service, assisted by a virtual assistant - Eva and a team of Phone Banking officers.
You can access your bank accounts 24 hours, 7 days a week, even on public holidays and Fridays, either through the automated Phone Banking Service or Phone banking Officers.
Non-Individual/Business Banking account holders can call on the 24x7 Phone line 600540009 and access Phone Banking service. However, this line is only accessible to 'authorized callers' who have a Telephone PIN. Customers can register for the phone banking service and obtain the Telephone PIN by visiting the nearest branch.
All Emirates NBD customers with the exception of jointly held and minor accounts can access the phone banking service.
Emirates NBD Phone Banking is a 24 hour banking service, assisted by a virtual assistant - Eva and a team of Phone Banking officers.
You can access your bank accounts 24 hours, 7 days a week, even on public holidays and Fridays, either through the automated Phone Banking Service or Phone banking Officers.
Non-Individual/Business Banking account holders can call on the 24x7 Phone line 600540009 and access Phone Banking service. However, this line is only accessible to 'authorized callers' who have a Telephone PIN. Customers can register for the phone banking service and obtain the Telephone PIN by visiting the nearest branch.
All Emirates NBD customers with the exception of jointly held and minor accounts can access the phone banking service.
The services available are as follows:
Through Emirates NBD Phone Banking you can access your bank accounts 24 hours a day, 7 days a week, and 365 days a year.
You need to call at 600540000 from your registered mobile number and tell the virtual assistant activate card. EVA will take you to activation flow and then you can have the card activated on the call.
Alternatively, you can SMS act to 4459 from your registered mobile number in order to receive a call for activating your debit or credit card;
Please note the international number for Private Banking customers is 00917-4-3160018 and for Priority Banking customers is 00917-4-3160333
Transaction Type | Maximum | Minimum |
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DEWA | 15,000.00 | 1.00 |
SALIK | 50,000.00 | 50.00 |
You can immediately withdraw the funds from any ATM.
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.
You do not need to register for the utility bill payment option as you can authenticate on the IVR using your card number and PIN, by voicing out the Utility for which you wish to make the payment. Payments can be made to registered/un-registered beneficiaries.
You can make payments to DEWA, SEWA and SALIK.
As long as you have an Emirates NBD Debit or Credit Card and the required utility account number, you may pay for someone else's bill also.
Statement requests can be made through EVA/ Phone Banking for both accounts and cards. The statements will be sent to your registered Email.
You cannot redeem your reward/plus points through EVA/Phone Banking. However, you can easily redeem your reward points through the Mobile App or Online banking.
To check your skyward miles, please login to our Mobile Banking app. You can also learn how you can earn miles with the quick miles calculator available on our website.
Your registered mobile number cannot be updated through EVA/ Phone Banking. You can easily update your mobile number through our Mobile App or any of our ATMs.
How to update your mobile number through the Mobile App:
Login > select Security Centre > select Mobile Number Update
You will be asked to authenticate this request with your Smart Pass Pin.
How to update your mobile number through an ATM:
Go to Main Menu > Select Requests > Select Mobile Number Update
Telegraphic transfers cannot be made through EVA/ Phone Banking. However, you can do the transfer through Online/Mobile Banking.
You can specify your actual reason for calling to the virtual assistant - EVA who will guide you with the service you require and accordingly your call will be transferred to a phone banking.
You can give instructions to the virtual assistant Eva regarding card PIN RESET. You will then be asked to enter the Card number for which you need to reset the PIN. You can then directly set up your new PIN through our virtual assistant.
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