What is SMS Banking?
SMS Banking from Commercial Bank of Dubai is one of our banking channels, which allows you to do banking activities from your mobile phone using SMS Technology. CBD’s mobile banking keeps our valued customers updated with their bank account details and enables them to request for their financial information and make all types of payment transactions instantly.
What is the difference between SMS alert service and SMS request & payment service?
SMS alert service keeps you informed/updated about the significant activities/transactions on your account. For example you can receive SMS alerts when your salary is credited to your account, or when you make ATM cash withdrawal.
SMS request and payment service enables you to request for your account/credit card information and make payment transactions instantly.
How can I apply for SMS Banking?
It is a very easy process. Just walk in to any of our CBD branches and apply for the SMS Banking service by duly filling the SMS Banking application form. Alternatively, you can call our toll free number 800223 to request for the SMS Banking application form, which will be faxed to you.
You can update your registration either by visiting your nearest CBD branch or by calling our toll free number 800223
Are all CBD customers eligible to apply for this service?
Yes. The service is available to all CBD customers with local or foreign currency accounts (Current, Saving accounts, Loan, Time Deposit or Credit Card).
Is it eligible/authorised for joint account holders and power of attorney to avail this service?
Yes. Power of attorney and joint account holders with either/or survivor instruction in their accounts are eligible to use the service.
How much will this service cost me?
The SMS Banking Service will be free for the first 2 months from the time of registration. After this period, the customer’s account will be charged at a rate of 20 fils per message. (Note: Customers will have the first 5 messages free per month)
Your account will not be charged for point of sale SMS alerts (Visa electron and credit cards).
What is the frequency of the messages I will receive?
You can choose to receive SMS notification alerts at pre-defined timings as per your request. For example you can choose to receive your account/Credit card available balance at the following times:
- Monthly – Beginning of each month
- Weekly – Day specified by the customer
- Daily – at a specified time (Morning =9.30 AM or Evening = 6PM)
You can also choose to receive SMS alerts whenever your account is credited/debited in real time. For example you will receive an SMS alert for every purchase conducted through point of sale machines.
On which phones will this service work?
SMS Banking service works on all GSM mobile phones that support SMS technology (Etisalat Numbers Only).
How can I use the SMS request and payment service?
Compose a new SMS text message as per the sample messages on the SMS Banking User Guide and send it to 4266.
You can save all the text formats you need under the “sent item” on your mobile phone for your future use.
How many numbers can be registered for the SMS Banking service?
You can register up to 5 mobile numbers.
Do I have to register the bill number before I pay for it?
Yes. Your bill numbers should be pre- registered
How many numbers of consumer bills can be registered for the SMS request and payment service?
Any number of bills can be registered.
Do I need a password to use the service?
No password is required for this service, and all the payments are completely secure since all consumer/bill numbers are pre-registered and linked to your account.
Can I only apply for the SMS request & payment service without the alert service?
Yes you can.
How long does the activation process take?
Your SMS Banking service will be activated within 24 hours from the time of registration.
Can I still get a two-month free subscription in case I requested for new facilities/updated my SMS account?
No. Only new users can get a two-month free subscription from the time of registration.
Can anyone pay from my account if I lost my mobile?
No. This is because only your bill numbers are pre-registered and linked to your account. Payments can be done only to your pre-registered consumer/bill numbers. Thus, it is secure.
Who do I contact if I faced problems with accessing the SMS service?
You can either call us on 800223 or visit your nearest CBD branch.
