• Language Selection
  • Arabic
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• Customer Selection
  • Emirates NBD customer services
    • You will be asked to enter your 16- digit debit / credit card number & PIN post which various service options will be played.
    • For Loan only customers, the authentication option used will be mobile number & original loan amount
  • Account related services
    Account Balance:

    Step1	Step2	Step3
    Go to bank accounts menu	Select your account	Balance will be automatically played for the selected account

    Last 5 Transactions:

    Step1	Step2	Step3	Step4
    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

    Statement by Email / Fax:

    Step1	Step2	Step3	Step4
    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

    Funds Transfer:

    Step1	Step2	Step3	Step4
    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

    Cheque book Request: (Valid for current accounts only)

    Step1	Step2	Step3	Step4
    Go to bank accounts menu	Select your account	Select the option for new cheque book request	Enter your registered mobile number & complete the request

  • Credit Cards related services:
    Credit Card balance:

    Step1	Step2	Step3
    Go to credit cards menu	Select your credit card	Balance will be automatically played for the selected credit card

    Last 5 Transactions:

    Step1	Step2	Step3	Step4
    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

    Pay your credit card bill:

    Step1	Step2	Step3	Step4
    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

    Credit card rewards points:

    Step1	Step2	Step3	Step4
    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

    Credit card PIN reset

    Step1	Step2	Step3
    Go to credit cards menu	Select your credit card	Select the option of creating a new PIN

    Credit card PIN Change

    Step1	Step2	Step3	Step4
    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

  • Loan related services:
    Loan Installment Information:

    Step1	Step2	Step3
    Go to loan accounts menu	Select your loan account	Installment & due date information will be automatically played for the selected account

    Total outstanding balance:

    Step1	Step2	Step3	Step4
    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

    Pay your credit card bill:

    Step1	Step2	Step3	Step4
    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

    Remaining installment Information:

    Step1	Step2	Step3	Step4
    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

  • Loan related services:
    Loan Installment Information:

    Step1	Step2	Step3	Step4
    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

  • Online & mobile banking services:
    Forgot/Reset User ID or password:

    Step1	Step2	Step3	Step4
    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

    New registration:

    Step1	Step2	Step3	Step4
    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.

    Pay your credit card bill:

    Step1	Step2	Step3	Step4
    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

    Mobile Banking via USSD Service activation:

    Step1	Step2	Step3	Step4
    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

Definitions

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.

Refers to Emirates NBD Branches

Interactive 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.

Means 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.

ATM card issued to the Customer by the Bank. The debit card has 16 digit number embossed on it.

Means 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

Means 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.

These 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

• By registering with the Call Centre , accepting the Debit Card Number and selecting the ATM PIN or Phone PIN, the Customer authorizes the Bank to act on his/her, oral/touch tone/telephonic Instructions with the Banks absolute discretion. The Customer hereby authorizes the Bank to rely and act, without any liability on the part of the Bank, upon all such Instructions issued or purporting to be issued by the Customer and to accept the same as correct, accurate and duly authorized by the Customer.
• The use of the Debit Card Number with the correct ATM PIN or Phone PIN shall constitute confirmation of identity of the Customer and the Bank may, but is not obliged to, further confirm the identity. The Customer hereby also agrees and authorizes the Bank to record such contents of any phone call under the Self Service or Call Centre as may be deemed appropriate by the Bank and such II recorded conversation may be adduced produced as evidence, if and when required. The Bank may utilize other means of confirming the Instructions. The Bank reserves the right to refuse to execute any or all of the instructions if there is a failure on the part of the Customer to confirm the Instructions, in the event the Bank is in doubt as to the identity of the caller, or the bonafide of any Instruction.
• In the event of unauthorized disclosure of the ATM PIN or Phone PIN, the Customer shall immediately notify the Bank. The time at which the Bank received the aforementioned information or Instructions will be determined and certified solely by the Bank and such determination shall be binding and conclusive on the Customer The Bank reserves the right to ask for written confirmation.
• The Customer shall be solely responsible .for ensuring that the Debit Card Number and the ATM PIN or Phone PIN and any other Information that may be communicated to the Customer in this regard by the Bank is fully secured and is not disclosed to any un authorized persons or third parties. The Customers Service Representatives are NOT authorized to receive the detail of any Customer's Phone PIN or ATM PIN. The ATM PIN or Phone PIN will only need to be disclosed via touch-tone telephone while using the automated IVR.
• In the event of stolen or lost Debit Card, the Customer shall immediately notify the Bank to block his debit card access. However, access to IVR is not blocked. Customer should also immediately intimate the Bank if access to IVR is required to be blocked. The Bank reserves the right to ask for written confirmation. The Customer understands and agrees that the Bank will not be liable for any misuse by another person in such an event and for failure of the Customer to inform the Bank to block IVR access.
• In addition to the general terms and conditions that are applicable to use of the Call Centre and the Self Service Banking options, the following further provisions will also apply:
  • The Customer shall provide the Bank with a list of third parties account numbers to which a transfer of funds may be made via Self Service Banking and/or Call Centre. The Bank shall not effect any Instructions requiring it to transfer funds to the account of a third party if the number of that account is not contained in the list provided by the Customer.
  • The Customer acknowledges that Self Service Banking that may be provided by the Bank at its discretion involves inherent risks, including, but not limited to, risks associated with fraud and unintended/erroneous Instructions, which the Bank cannot eliminate. The Customer hereby indemnifies theindemnifies the Bank of all liabilities and responsibilities and accepts any and all risks associated with the use of the Self Service Banking.
  • All transactions are charged at the normal banking rates. For details please refer to the fees and charges schedule pertaining to the different products offered by the Bank.
  • The Bank reserves the right to amend, add or delete any of these terms and conditions at any time without prior notice. The use by you of this service shall be treated as acceptance by you of any change. If you do not accept any proposed.

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:

• Call 600 54 0000 from anywhere in the UAE.
• Enter your 16-digit Debit/Credit Card number and your PIN.
• Choose your service option from a menu.

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.

• What is EmiratesNBD Phone Banking?

  EmiratesNBD Phone Banking is a 24 hour banking service, assisted by an automated IVR (Interactive Voice Response) system.

• How do I contact EmiratesNBD Phone Banking?

  Personal banking: - Dial 600540000
  Priority Banking:-Dial 800100

• Can I use EmiratesNBD Phone banking only during banking hours?

  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.

• Can Company /Corporate Customers access Phone banking services?

  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.

• Who can access the Emirates NBD Phone Banking Service?

  All transaction account holders with the exception of jointly held accounts, Minor and Corporate Accounts.

• What are the services offered through EmiratesNBD Phone Banking?

  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

• What is a T PIN?

  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.

• How do I change my T Pin Number?

  You can change your T Pin Number by calling 600540000/043160210 or alternatively visit the nearest ENBD ATM.

• Are joint account holders allowed to obtain a T PIN?

  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.

• How secure is my telephone banking Pin?

  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.

• I have a feeling that another person knows my T PIN. What should I do?

  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.

• If I have several accounts, do I have to apply for different T PIN's?

  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
  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

• If I make a fund transfer payment from my savings account to my current account, how soon can I withdraw from an ATM?

  You can withdraw the funds from any ATM immediately.

• Can I make a transfer from my AED account to my US$ Account?

  No. Funds transfer is only permissible between AED accounts & in AED currency only.

• Do I need to sign up for the utility bill payment option?

  No, you do not. You need to use your T PIN and input your bill number on the utility payment option.

• What are the utility payments I can make through EmiratesNBD Phone Banking?

  You can make payments to Etisalat, Du, Dewa,Nol,Salik.

• Can I pay for somebody else's utility bill?

  Yes, as long as you have their utility account number, you can pay for someone else's bill also.

• How do I get the statement if the request is made via EmiratesNBD Phone Banking?

  Statement requests made through EmiratesNBD Phone Banking can be sent by Fax.

• How do I redeem my Plus Points or skyward miles?

  You can call 600540000/043160404 to redeem or enquire about the Plus Points/Skyward Miles.

• How can I update my Mobile Number?

  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

• Can I make a telegraphic transfer through Phone Banking?

  Yes, you can however it is necessary that you authenticate yourself on the Phone banking Service through your T PIN.

Watch related videos

See how easy it is with the introductory videos. Click here to go to Emirates NBD Official Youtube Channel

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