One name that will soon be the talk of the town - Eva

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?

Access your accounts on the go with Phone Banking

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

  • Check your Account, Card and Loan balances easily
  • Activate your Debit/Credit Card in a few seconds
  • Enquire and redeem your Card Reward Points
  • Instantly enroll for e-Statements
  • Get started with Online/Mobile Banking registration or recover forgotten user ID/password
  • Pay your utility bills, top-up your Salik account
  • Apply for Fixed and Recurring Deposit Accounts
  • Get faster access to key functions using shortcut keys

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!

  • Language Selection
    • Arabic
    • English
    • Hindi
  • 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

Watch related videos

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

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.

Definitions

Instructions

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 Bank

Refers to Emirates NBD Branches

IVR

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.

Self Service Banking

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.

Debit Card

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

ATM PIN

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

Phone PIN

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.

General Provisions

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.

What are people asking?

Emirates NBD Chat Banking via WhatsApp is an easy-to-use secure channel which allows you to conduct basic banking functions on the go. This new service channel joins the existing list of growing touchpoints, and will enable you to receive instant responses to banking requests such as:

  • Account balance
  • Last 5 transactions of Account or Credit Card
  • Last Credit Card statement
  • Temporarily block/ unblock Debit or Credit Card
  • Cheque book request
  • Foreign exchange rates

We are constantly adding new functions, and we will update as they are being released.

Registering to Chat Banking is quick and simple.

Follow these steps to get started:

Open your SMS service, type 'WhatsApp' and send it to 4456. By subscribing to this service, you confirm that you have read, understood and fully agreed to the Terms and Conditions.

1. SMS from Emirates NBD
Introducing chat via WhatsApp. A secure and simple way for your banking needs. SMS WhatsApp to 4456 from your registered mobile number. T&C apply.

2. Customer opts in through 4456
WhatsApp

3. Welcome message on WhatsApp
Hello Rami! Welcome to Emirates NBD chat banking.
To find out what we can do for you, type Info.
Emirates NBD will never ask for your personal information or account / card numbers via whatsaap. Depending on your query you maybe requested to share only the last 4 digits of Account or Card number.
By using this service, you confirm you have read, understood and fully agreed to the terms & conditions (T&Cs).
For T&Cs, security tips and FAQs, please visit www.emiratesnbd.com/whatsapp.

4. WhatsApp webpage
Chat Banking
Banking is just a WhatsApp away
Chatting with your bank is now just as easy as chatting with your friends.
Introducting Emirates NBD chat banking via WhatsApp, a 24/7 secure and simple way to get all your banking needs on the go.
Subscribe through SMS: SMS WhatsApp to 4456 With your registered mobile number.
Subscribe through online/mobile banking: Login to your mobile or online banking

If you are not able to register for Chat Banking through SMS, you can alternatevly subscribe through your Online or Mobile Banking. To do so, log into your Online or Mobile Banking and click on the Subscribe now button on your pop-up window showing the Chat Banking campaign.
No, to use Emirates NBD Chat Banking via WhatsApp you'll need to either have an active Account or Credit Card with Emirates NBD.
All you need is a mobile device with the WhatsApp application installed. You have to make sure that the mobile number you use with the WhatsApp account is the same as your registered number with Emirates NBD.

Emirates NBD Chat Banking via WhatsApp is an easy-to-use secure channel which allows you to conduct basic banking functions on the go. This new service channel joins the existing list of growing touchpoints, and will enable you to receive instant responses to banking requests such as:

  • Account balance
  • Last 5 transactions of Account or Credit Card
  • Last Credit Card statement
  • Temporarily block/ unblock Debit or Credit Card
  • Cheque book request
  • Foreign exchange rates

We are constantly adding new functions, and we will update as they are being released.

Registering to Chat Banking is quick and simple.

Follow these steps to get started:

Open your SMS service, type 'WhatsApp' and send it to 4456. By subscribing to this service, you confirm that you have read, understood and fully agreed to the Terms and Conditions.

1. SMS from Emirates NBD
Introducing chat via WhatsApp. A secure and simple way for your banking needs. SMS WhatsApp to 4456 from your registered mobile number. T&C apply.

2. Customer opts in through 4456
WhatsApp

3. Welcome message on WhatsApp
Hello Rami! Welcome to Emirates NBD chat banking.
To find out what we can do for you, type Info.
Emirates NBD will never ask for your personal information or account / card numbers via whatsaap. Depending on your query you maybe requested to share only the last 4 digits of Account or Card number.
By using this service, you confirm you have read, understood and fully agreed to the terms & conditions (T&Cs).
For T&Cs, security tips and FAQs, please visit www.emiratesnbd.com/whatsapp.

4. WhatsApp webpage
Chat Banking
Banking is just a WhatsApp away
Chatting with your bank is now just as easy as chatting with your friends.
Introducting Emirates NBD chat banking via WhatsApp, a 24/7 secure and simple way to get all your banking needs on the go.
Subscribe through SMS: SMS WhatsApp to 4456 With your registered mobile number.
Subscribe through online/mobile banking: Login to your mobile or online banking

If you are not able to register for Chat Banking through SMS, you can alternatevly subscribe through your Online or Mobile Banking. To do so, log into your Online or Mobile Banking and click on the Subscribe now button on your pop-up window showing the Chat Banking campaign.
No, to use Emirates NBD Chat Banking via WhatsApp you'll need to either have an active Account or Credit Card with Emirates NBD.
All you need is a mobile device with the WhatsApp application installed. You have to make sure that the mobile number you use with the WhatsApp account is the same as your registered number with Emirates NBD.
If you are using a mobile number that is currently not registered with Emirates NBD or you are below the age of 21, you will not be able to subscribe. If you have recently changed your mobile number, then you'll need to update it using your Debit Card at any Emirates NBD ATM or by visiting any of our branches before you try to subscribe.
Yes you can, if you have an active Credit Card with Emirates NBD.
No, it's not. Chat Banking via WhatsApp is only available in English.

To ensure that you are talking to the official business account of Emirates NBD on WhatsApp, look for the green badge next to Emirates NBD's name in the chat. Click on the icon and verify that official business account and Emirates NBD's business details are available. If you click on the official business account button, a message pops up, confirming that this is the official business account of Emirates NBD.

It is very safe. All WhatsApp messages are secured with end-to-end encryption. This ensures only you and Emirates NBD can read your messages.
WhatsApp 2-step verification adds more security to your account. Once it is enabled, any attempt to verify your phone number on WhatsApp (when changing phones or swapping sim cards for example) must be accompanied by a 6 digit PIN you create.

That's a great question. Yes, to get the best responses from this channel, we have a recommended list of keywords.

  • Type Info, Help, Information to find out which banking services you can avail
  • Type Account balance, Balance, Bal to check the balance in your Current or Savings Account
  • Type Account transactions XXXX to get the last 5 transactions of your Account where XXXX are the last 4 digits of your Account number
  • Type Card transactions XXXX to get the last 5 transactions of your Credit Card where XXXX are the last 4 digits of your Credit Card number
  • Type Card statement XXXX to know the last statement of your Credit Card where XXXX are the last 4 digits of your Credit Card number
  • Type Block XXXX or Unblock XXXX to temporarily block/ unblock your Debit or Credit Card where XXXX are the last 4 digits of your Card number
  • Type Cheque book XXXX to request a new Cheque Book where XXXX are the last 4 digits of your Account number
  • Type FX to know the current foreign exchange rates of select countries
  • Type Opt out to unsubscribe from Chat Banking
Your Card will be temporarily blocked until you unblock your Card again. If you wish to block your Card permanently, please use any of our existing channels - Mobile/ Online Banking or call us on 600 54 0000. A permanently blocked Card cannot be unblocked again.
Should you lose your phone or if it falls in the wrong hands, you might become vulnerable to data theft. We advise you to take additional precaution such as locking your mobile device when not in use and activating your sim card with a PIN, in addition to enabling WhatsApp's 2-step verification.
Emirates NBD will never ask you to share your personal information via WhatsApp. This includes your full card or account number, CVV, credit card expiry date, PIN, OTP, Mobile Banking or Online Banking ID, password, answers to secret questions and so on. You may be asked to input only the last 4 digits of your card or account number and this is safe to do.
Make sure to add Emirates NBDs number (600 54 0000) to your contacts and prompt a new chat via WhatsApp to start a new conversation.
You can simply unsubscribe from Chat Banking by typing Opt out in your conversation with the bank on WhatsApp.

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