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Commercial Bank of Dubai

FAQ

Gold account can be opened by CBD individual customers through digital channels at CBD mobile app.

There are no additional charges for buying and selling in gold currency

CBD customers can only purchase and sell gold as currency similar to other foreign currency accounts, trading, physical delivery of the metal as gold is currently not available.

There are no cut off timings and this service is available 24x7

There is no minimum balance requirement for this account

The traded value will be in ounces.

The offer is valid for conventional segment.

There is no minimum value required for purchase of gold

Gold account can be opened by individual and small business customers.

The features of gold account are as below:

  • Easy and quick account opening in the form ofCurrent Account through click of a button
  • Trading values as per published rates by CBD treasury
  • No need of holding virtual gold , trade with the ease from anywhere
  • Customer can BUY/SELL on digital channels as per applicable FX rates

GOLD Account is an account which allows customers to buy/ sell Gold

Noor Life Care is a unit linked plan that offers you savings, investment and protection all in one product. This product is designed not only to protect you and your savings during uncertain events, but also to ensure your peace of mind.

To apply for Noor Life Care you should be:

  • CBD customer with valid UAE or GCC residence visa.

To apply for Life Care you should be between 18 years to 64 years old at entry and not exceeding 99 years at the maturity of the plan.

You can make them monthly, quarterly, half yearly or yearly. /Ad-hoc Payments can be made at the time of commencement or any time later for an active Takaful Certificate.

On maturity of Noor Life Care you will receive Fund value.

With Noor Life Care you will get:

  • Wealth accumulation opportunities through investments in your choice of funds
  • An option of whole of life cover along with a number of additional benefits that can help protect against the financial impact of severe illness and accident
  • Flexibility to change the plan as your circumstances change
  • Contribution payments for a limited period, and life cover and investment opportunity that can be continued for an extended period of time.

Noor Life Care is available in both AED and USD.

Minimum plan term is 5 years till you reach the age of 99 years.

Minimum Contribution for Noor Life Care is 500 AED per month

  • Minimum Sum Assured is AED 100,000
  • Maximum Sum Assured is AED 30,000,000

You have an option to select the Limited Payment terms for 5 year or above or equal to Plan term.

Chose the payment method that suits you, you can pay it by Standing Order, Credit Card, Cheque & Third Party Payments allowed from Parents, Grand Parents, Spouse or Company.

Sum assured at the time of death or the value of units, whichever is higher is paid to the beneficiary.

The Participant may withdraw the entire Cash Value by making a written request at any time before the Maturity Date of this Takaful Certificate. The Company will pay the Cash Value of the PIA. The Cash Value will be equal to the total number of units allocated to the PIA. The units are redeemed with reference to the Bid Price of the relevant Fund(s) at the next Valuation Date following the receipt of the request to Surrender. On receipt of such request this Takaful Certificate shall immediately cease. AED 100 will be  a surrender charge

The charges depend on the Contribution payment term that you selected for the plan:

The grace period for making payment is 90 days from the Contribution due date.

Contributions up to 90 days

No Health Questionnaire required

After 90 days but within 180 days

Health Questionnaire

After 180 days

Health Questionnaire + Medical examination as per Underwriting guidelines


Following riders are available for Takaful Certificate holder aged 18 years & above at additional cost 
  • Passive War Risk - (PWR) - In Built, no extra cost
  • Accidental death benefit ,
  • Additional Level Term Death,
  • Waiver of Contribution,
  • Perm. Total Disability (Acc.)
  • Perm. Total Disability (Add.)
  • Critical Illness Benefit
  • Medical Expense
  • Repatriation Expense

Reinstatement is allowed within 2 years from the first unpaid Contribution due date

You can add and change beneficiaries anytime during the Takaful Certificate term; however, in case of minor below 18 years age, guardian must be notified. The beneficiary can also be chosen as per “UAE Shariah Law”.

Partial encashment is possible after the 2nd year of the Takaful Certificate

The net asset value of all the units allocated to the PIA. The Cash Value at any point in time will be the sum of the value of units of each Fund allocated to the Takaful Certificate. The Cash value can be determined by multiplying the number of total units held by the prevalent Unit Price less the applicable Surrender Charges.

The cover is worldwide and continues subject to receipt of regular Contribution, if you are planning to leave UAE, you to inform us about your new destination with updated contact details.

You can directly contact Noor Takaful PJSC in case a claim arises. The e-mail id is if.support@noortakaful.com contact no is +971 8006667.

To claim maturity we require:

  • Original Takaful Certificate Document
  • Passport Copy
  • Visa Copy

In case of death claim following documents are required:

  • Copy of Death Certificate (attested by UAE Embassy in the country where the Death has occurred as well as Ministry of Foreign Affairs in UAE)
  • Copy of Police Report (if necessary
  • Copy of Succession Certificate
  • Nominee Details
  • Death Claim Form and other documents as maybe required by the Company case to case basis.

* Noor Takaful may request for originals

Discharge receipt will be issued by Noor Takaful within 30 working days post receipt of the valid documents under all non-early claims. Claim amount will be provided post receipt of the signed discharge form.

Noor Smart Save is a unit linked plan that offers you savings, investment and protection all in one product. This product is designed not only to protect you and your savings during uncertain events, but also to ensure your peace of mind.

To apply for Noor Smart Save you should be CBD customer with valid UAE or GCC residence visa.

To apply for Smart Save you should be between 18 years to 64 years old at entry and not exceeding 80 years at the maturity of the plan.

You can make them monthly, quarterly, half yearly or yearly. /Ad-hoc Payments can be made at the time of commencement or any time later for an active Takaful Certificate.

On maturity of Noor Smart Save you will receive Fund value

With Noor Smart Save you will get:

  • Wealth accumulation opportunities through investments in your choice of funds
  • Upfront Bonus as multiple of term. For example: 25 years plan of 5,000 pm contribution will be entitled for a bonus of 75% of the annual contribution which would amount to 45,000 subject to terms and conditions. 
  • Number of additional benefits that can help protect against the financial impact of severe illness and accident
  • Flexibility to change the plan as your circumstances change
  • Contribution payments for a limited period, and life cover and investment opportunity that can be continued for an extended period of time.

Noor Smart Save is available in both AED and USD.

Minimum plan term is 5 years till you reach the age of 99 years.

Minimum Contribution for Noor Smart Save is 500 AED per month

  • In built Sum Assured is AED 5,000 or USD 5,000
  • Maximum Sum Assured under Additional level Term is AED 10,000,000

You have an option to select the Limited Payment terms for 5 year or above or equal to Plan term.

Chose the payment method that suits you, you can pay it by Standing Order, Credit Card, Cheque & Third Party Payments allowed from Parents, Grand Parents, Spouse or Company.

Sum assured at the time of death plus the value of units, is paid to the beneficiary. 

The Participant may withdraw the entire Cash Value by making a written request at any time before the Maturity Date of this Takaful Certificate. The Company will pay the Cash Value of the PIA. The Cash Value will be equal to the total number of units allocated to the PIA. The units are redeemed with reference to the Bid Price of the relevant Fund(s) at the next Valuation Date following the receipt of the request to Surrender. On receipt of such request this Takaful Certificate shall immediately cease. AED 100 will be  a surrender charge

The charges depend on the Contribution payment term that you selected for the plan. For detail, you may contact if.support@noortakaful.com

A period of three (3) months after the Regular Contribution due date allowed for payment of each such contribution, during which the cover will remain in force.

 

Contributions up to 90 days

No Health Questionnaire required

After 90 days but within 180 days

Health Questionnaire

After 180 days before two years

Health Questionnaire + Medical examination as per Underwriting guidelines


Following riders are available for Takaful Certificateholder aged 18 years & above at additional cost

  • Accidental death benefit ,
  • Additional Level Term Death,
  • Waiver of Contribution,
  • Perm. Total Disability (Acc.)
  • Perm. Total Disability (Add.)
  • Critical Illness Benefit
Reinstatement is allowed within 2 years from the first unpaid Contribution due date

You can add and change beneficiaries anytime during the Takaful Certificate term; however, in case of minor below 18 years age, guardian must be notified. The beneficiary can also be chosen as per “UAE Shariah Law”.

Partial encashment is possible after the 2nd year of the Takaful Certificate upto 75% of the Cash Value.

The net asset value of all the units allocated to the PIA. The Cash Value at any point in time will be the sum of the value of units of each Fund allocated to the Takaful Certificate. The Cash value can be determined by multiplying the number of total units held by the prevalent Unit Price less the applicable Surrender Charges.

The cover is worldwide and continues subject to receipt of regular Contribution, if you are planning to leave UAE, you to inform us about your new destination with updated contact details.

You can directly contact Noor Takaful PJSC in case a claim arises. The e-mail id is if.support@noortakaful.com contact no is 8006667.

To claim maturity we require:

  • Original Takaful Certificate Document
  • Passport Copy
  • Visa Copy

In case of death claim following documents are required:

  • Copy of Death Certificate (attested by UAE Embassy in the country where the Death has occurred as well as Ministry of Foreign Affairs in UAE)
  • Copy of Police Report (if necessary
  • Copy of Succession Certificate
  • Nominee Details
  • Death Claim Form and other documents as maybe required by the Company case to case basis.

* Noor Takaful may request for originals

Discharge receipt will be issued by Noor Takaful within 30 working days post receipt of the valid documents under all non-early claims. Claim amount will be provided post receipt of the signed discharge form.

If your OTP gets blocked, you will need to wait for 3 hours for the OTP to be unblocked and then call us on 600 575 556 to resume the registration process.

The new OTP will be sent to your registered mobile number when you resume the registration process.

For individual accounts/cards, please call 600 575 556 and follow these steps

  • Select the preferred Language
  • Select the option of (CBD Customer)
  • Select the option of (Banking Services)
  • Enter your account/Card Number
  • Select the option to request a new TIN (Telephone Identification Number).
  • Enter the OTP (One time Password) that you will receive on your registered Mobile Number with the Bank.
  • Create your own 4 – 6 digits Telephone Identification Number

 

In addition, you can register for the service through Online Banking by following these steps:

  • Go to Services page and click on Other Channels Settings.
  • Click on Phone Banking Registration and accept Terms and Conditions.
  • Get a One Time Password on the mobile number registered with us.
  • Enter the One Time Password and create Phone Banking TIN and Phone Banking FTIN to complete the registration.

 

 

 

For company accounts, please visit any CBD Branch.

To activate your Debit or Credit Card, please call us on 600 575 556 and follow below steps

  • Select the preferred Language
  • Select the option of (CBD Customer)
  • Select the option of (Card Activation & PIN Services)
  • Enter your Card Number
  • Enter the expiration month and year
  • Create your own card PIN

You can change your debit or credit card PIN by calling us on 600 575 556 and following these steps

  • Select the preferred Language
  • Select the option of (CBD Customer)
  • Select the option of (Card Activation & PIN Services)
  • Enter your Card Number
  • Select the option of (To generate your card PIN).
  • Select the option of (To change your card PIN).
  • Select the card you wish to change the PIN for
  • Enter existing card PIN
  • Create your new card PIN

If the minimum amount due is paid in full on the first payment post the statement is issued for the previous statement cycle, then the payment will be applied as follows:

  • Balance Transfer/ EPP Installments due on any Installment Payment Plan transaction
  • All Unpaid interest, Cash Advances Charges and other costs shown on any previous Statement/ Current Statement of Account.
  • All Unpaid Cash Advances shown on any previous Statement of Account.
  • All unpaid Card Transactions shown on any previous Statement of Account.
  • All Unpaid Revolving Balance Transfer shown on any previous Statement of Account.
  • All Unpaid Cash Advances shown on the current Statement of Account.
  • All Unpaid Card Transactions shown on the current Statement of Account.
  • All Unpaid Revolving Balance Transfer shown on the current Statement of Account.

If the minimum amount due is not paid in full on the first payment post statement issuance for the previous statement cycle, then the payment will be applied as per the Bank’s discretion.

The interest rates and charges are based on many variables and will be communicated to you by your relationship officer prior to taking your request.

Yes, you can avail multiple BTs. However, the settlement of the BT will be done on a “First in – First out” basis no matter the tenor of the BTs.

E.g. if you take a BT on 1st January 2018 for 12 months and then another BT on 1st February 2018 for 6 months, you must settle the 12 month BT first prior to being able to settle the 6 month BT.

A Revolving Balance Transfer does not have a fixed installment and the customer can pay any amount between 5% or 100% at any given point in time while an Installment Balance Transfer has a fixed installment for a specific tenor. Revolving Balance Transfers are offered at 0% interest for a period of 6 or 12 months post which the outstanding moves in to a regular retail balance and will start incurring interest at the prevailing interest rate whilst an Installment based Balance Transfer will be paid off in equal monthly installments for the specified period. 
You can avail up to 90% of your Credit Limit as a balance transfer.
The minimum BT amount is AED 1,000.
Balance Transfer is a product offered to CBD Credit Card Customers, where the customer can use his/her CBD Credit Card limit to settle the total or a partial amount of the outstanding of any other bank credit card in the UAE. 

CBD offers all types of Personal Loan against Salary Transfer or Hypothecation of FD as listed below:

  • New Personal Loan
  • Top-up of existing Personal Loan
  • Buy-out / transfer of Personal Loan from other Bank (with or without topping up the Loan amount)

The minimum age requirements is 21 years and maximum age is 70 years at the last installment due date for UAE nationals and expats.

It’s a secured financing/lending against FD/TD hence, CBD doesn’t require any Insurance cover from customer.     

You will continue to enjoy receiving same profit/interest on your FD/TD as normal customer. The pricing on your Loan facility will apply separately which is not linked with your FD/TD profits/interest. 

Yes, you can break your FD/TD subject to settlement of your Loan outstanding. 

You can avail Loan facility with flexible tenure up to 48 months.

You can avail Loan facility up to 90% of AED 20 MM (whichever is less) of your fixed deposit.   
Yes, under this product variant you can avail financing facility from CBD even if you are at the maximum of 50% DSR threshold. DSR for this facility will not be counted /considered
No. It’s a hassle free and quick financing solution that doesn’t require transfer/assignment to CBD. Only hypothecation of your Fixed Deposit is 

It a type of financing facility also called as secured lending against pledge of Fixed Deposit to facilitate customer to raise short-term money without breaking a fixed deposit (FD). Under this variant of Personal Loan – secured lending against FD, the customer will enjoy a low profit/interest rate as compared to regular variant of personal finance/loan product which is the main advantage and attraction for the customer

You can simply fill up the Apply Now Form available on this page and one of our representatives will contact you within 24 hours to process your request. Alternatively you may call our Call Center on 600 575 556.

The CBD Bonus Booster deposit is a monthly deposit that allows you to build up your savings by investing a pre - fixed amount, starting from AED 1,000 every month. It’s a great way of saving now for your children’s higher education.

You can simply fill up the Apply Now Form available on this page and one of our representatives will contact you within 24 hours to process your request. Alternatively you may call our Call Center on 600 575 556.

You can simply fill up the Apply Now Form available on this page and one of our representatives will contact you within 24 hours to process your request. Alternatively you may call our Call Center on 600 575 556.

An Easy Payment Plan (EPP) allows you to convert large ticket purchases on your CBD Credit Card into equal monthly installments of up to 12 months. These plans usually carry a processing fee of up to 3% linked to the tenor of the plan. But especially for Brighton College and Dwight School parents, CBD will offer EPP at 0% interest and 0% Processing Fee for a period of up to 12 months, so you can pay you children’s school fees at the above-mentioned schools using your CBD Credit Card and split the fee-amount for FREE into 12 installments.

You can find all your credit card details such as credit limit, available balance, outstanding balance and payment details by clicking on the desired credit card from your dashboard.

In the easiest way possible! You can see monthly statements, as well as all your transactions, by clicking on your desired credit card from your dashboard.

Yes, just go to ‘eStatement’ page (Dashboard > card details > statements > eStatement) and select the desired month. Click on ‘Share’ to download and print your eStatement.

You can manage your cards by going to the ‘Card’ page in the app where you can:

  • Activate your card
  • Set up and change PIN
  • Report your card lost or stolen
  • Temporarily lock your card
Easy! You can activate and set up your debit card PIN during the app registration process. For credit cards, simply visit the ‘Cards’ page in the app once you are logged in.
You can change your debit card PIN number anytime by going to the ‘Cards’ page in the app.
Don’t worry. You can report a lost or stolen card by going to the ‘Card’ page in the app. For your security we’ll block your card immediately and you’ll be able to reorder a new card straight away.
It’s easy to temporarily lock and unlock your card at any time in the ‘Cards’ page, simply toggle the lock button ON and OFF whenever you need, it works in real time. If your card has been lost or stolen, select the ‘Report lost or stolen’ option in the ‘Cards’ page and it will be immediately and permanently blocked.
We’re way ahead of you, we’ll mail you your new card prior to the expiry date of you current one. If you have any queries, please call our customer service team on +971 600 527223.
You can use the app to pay your credit card bill in a few simple steps:
  • Select ‘Pay’ from the app menu
  • Select ‘Credit cards’
  • Select ‘My CBD Card’
  • Enter the payment details and it’s done
In the easiest way possible! You can see monthly statements, as well as all your transactions, by clicking on your desired account and select ‘View Statements’. What’s more, you can download a PDF for your records.
You can see your IBAN and all your account information by clicking on your desired account from your dashboard.
Yes, just go to ‘eStatement’ page (Dashboard > Account details > View Statements > choose month) and select ‘View PDF’. From there, you can select the download or print option under the ‘Share’ button.
Easy! Just go to the ‘Spending’ page from the app where you can track your spending in one snapshot with our visual chart. You can also set up a budget for each spending category to help you stay on track.
Just go to the ‘Spending’ page from the app and select ‘Budget’ and add the target for your spending categories.
Taking charge of your finances was never easier. After setting up your budget (Spending > Budget), you will be able to track your total expenses against your total budget or compare expenses vs budget for each spending category.
Just click on ‘Edit’ at the top of Budget page to update desired spending targets (Spending > Budget > Edit)
With automatic categorization of your spending, you can view and track all your transactions from all your accounts and cards in one place, so you know exactly where your money goes. Just go to the ‘Spending’ page from the app and select ‘Transactions’.
As per the UAE Central Bank requirements we are mandated to ensure all customer records are up to date.
Stay in control of your transactions and account balance with our timely push notifications. Go to ‘My profile’ page to enable your desired notifications (More > My profile > Preferences > Smart notifications)
Our app is available in both Arabic and English, you can change your desired language anytime under ‘My profile’ page (More > My profile > Preferences > Language).
You can update your Emirates ID and your email address under ‘My Profile’ in the app menu (More > My profile > Update). For any other personal information changes, please visit your nearest Commercial Bank of Dubai branch. Commercial Bank of Dubai Branch locations

You can easily update or remove a beneficiary:

  • Select ‘Pay’ from the app menu
  • Select either ‘Transfers’ or ‘Bills’
  • Select ‘Beneficiaries’
  • Click on ‘Edit’ to update or delete your beneficiary.

With less fuss than ever and what’s more, once you pay a bill using the CBD app, we will remind you to pay it every month when it is due. Just follow these few steps:

  • Select ‘Pay’ from the app menu
  • Select ‘Bills’
  • Choose an existing Bill or add a new one
  • Enter the payment details and it’s done!
You can use the app to pay your credit card bill by following these few steps:
  • Select ‘Pay’ from the app menu
  • Select ‘Credit cards’
  • Select ‘My CBD Card’
  • Confirm the payment details and it’s done!
Of course you can! Just follow these simple steps:
  • Select ‘Pay’ from the app menu
  • Select ‘Credit cards’
  • Select ‘Other banks cards’
  • Confirm the payment details and it’s done!
You can do that too! Just follow these simple steps:
  • Select ‘Pay’ from the app menu
  • Select ‘Credit cards’
  • Select ‘Someone else’s CBD card’
  • Confirm the payment details and it’s done!
Very easily! Use the app to transfer your money locally or internationally in few simple steps:
  • Tap ‘Pay’ and ‘Transfer’ from the app menu
  • Choose an existing beneficiary or add a new one
  • Enter the amount and confirm your transfer.
  • Sit back and enjoy how easy it was!
We like to have fun and enjoy life at CBD, but security is something we take very seriously. We’ve taken every possible measure to ensure the safety of your personal and banking details, and we also advise you use a secure password (no birthdays, that’s for sure). To make things easier, you can also use your fingerprint (for iPhones and compatible Android phones) as well as Face ID (for iPhone X).
Easy! Just click ‘forgot password’ on the app login page, we’ll help you to safely set a new one.
If your smartphone has a fingerprint option, you can activate Touch ID login in your security settings under the ‘More’ menu (More > My profile > Security > Enable Touch ID). For iPhone X, you can use Face ID to login by simply activating it in your security settings under the ‘More’ menu (More > My profile > Security > Enable Face ID). If you are facing any difficulties, you can try to disable and re-enable Face ID to get it working.
You might be using the wrong details, or the app may have been locked – it may happen after multiple incorrect login attempts. Give our lovely customer service team a call on +971 600 575 556 and they’ll get you access in no time.
You should always use the log off button to close your session after using the CBD Mobile App. For your security, even if you don't log out, your session will time out after 3 minutes of inactivity. After this, anyone using your mobile device will have to login again to access your account information. We also recommend that you do not write your User ID and Password in another app on your device, for instance in the Notes app.
A Secure Token is an application that works without the need for internet to generate a 6-digits Pass-code that you will need for Online Banking transactions. You can enable your Secure Token in the ‘Security Settings’ page (More > My Profile > Security > Secure Token).
Easy! Just follow below simple steps:
  1. Go to ‘More’ page from the app and select ‘My profile’
  2. Go to ‘Security’ and select ‘Secure token’
  3. Set up Secure your 4-digit Token PIN (We’ll ask for this PIN when making transactions on the Online Banking website, along with the 6-digit Secure Token code).
Enter 4 digit token PIN followed by the 6 digit token code. You can find your Token code on your login screen and in the Security settings page (More > My Profile > Security).
With our app you can do pretty much anything when it comes to your money. It’s designed to let you do the things you love, whilst making sorting out your money a two-minute job you can do on the way to meeting friends. So with that in mind, we’ve made sure the CBD app lets you view your balance and statements, check your transaction history, make payments as well as transferring money locally and internationally. It can tell you where your nearest ATM is and there’s even a handy budget & expenses tracker to help you manage your spending more efficiently.
That, friend, is a no. For your security, we need you to keep the CBD app on one phone at any given time. If you get a new phone, you can of course install it there once you’ve deleted it from your old handset.
Of course you can use it abroad! You just need an active internet connection and you’ll be able to login like you do in the UAE.
Enjoy hundreds of dining and lifestyle offers across the UAE. Click on ‘Offers’ or ‘View all offers’ from your dashboard to see what we have in store for you including Buy One Get One Free and discounts up to 25%. You can filter based on your desired categories and/or location to select the vouchers you wish to redeem. What’s more, you can view the nearest offers to you when you turn your location on.

No interest is paid in case of pre-matured withdrawals. Only principle amount will be returned.

Sorry, topping up of existing deposit is not permitted. However, you can always open a new/additional Paluwagan deposit.

Sorry, partial withdrawals are not permitted. 

Monthly pre-fixed amounts are transferred to the Paluwagan deposit account through a linked Standing Order instruction, which will be set-up on your current/savings account at the time of applying for Paluwagan deposit account. 

Please note that if the linked standing order fails to credit monthly pre-fixed amounts to Paluwagan deposit account, re-execution of such failed standing order is not permitted. Hence it is extremely important to ensure that you maintain sufficient balance in your current/savings account where standing order is set-up.

If you are UAE National or UAE resident, at least 18 years of age, with a valid passport, residence visa and Emirates ID, then you can apply. 

You can visit our nearest branch to apply. 

Paluwagan tenure is fixed for 18 months

Minimum monthly deposit amount is AED 500

Paluwagan deposit is available in AED only.
The Paluwagan deposit is a monthly recurring deposit that allows you to build up your savings by investing a pre - fixed amount starting from AED 500 every month through standing order, for a defined period of 18 months. You will get interest returns of up to 1.5% at the end of 18 months. (T&Cs apply).

Safe Deposit Lockers can be offered at the blow branches subject to availability:

  1.   Dubai Branch
  2. Jebal Ali Branch
  3. Jumeirah Branch 
  4. Sharjah Branch
  5. Ras Al Khaimah Branch
  6. Baniyas Branch
  7. Sheikh Zayed Road Branch
  8. Al Quasis Branch
  9. Ajman Branch
  10. Main Branch
  11.  Fujairah Branch
  12. Al Quoz Branch
  13. Zayed the first Branch
  14. Attijari Al Islami – Sharjah Branch
If you are existing locker holder, and if you are enjoying discount / waiver, revised charges will apply upon renewal. However your deposit amount will remain as per existing terms.

At the time of applying for new Locker or at the time of renewal of existing locker, you can liaise with your Private Banking / Al Dana Relationship Manager. You will be offered a locker and initially your account will be debited for the charges as per the applicable revised charges.

The Relationship Manager will check your eligibility, obtain the waiver/discount and arrange to reverse the charges to your account.

Note:

There is no waiver for deposit amounts.

Discounts/Waivers are offered at the sole discretion of the Bank and can be withdrawn at any time without prior notice.

Discounted rate for customers in following categories:

  •   Private Banking -  with balances holding 20Mn / salary AED 150K -  100% discount on all size including XXXL
  • Private Banking/Ultra Al Dana - with Liabilities holding 10Mn / salary AED 100K - 100% discount on all size excluding XXXL
  •  Al Dana - with Liabilities holding  5Mn / salary AED 60K - 25% discount on all size excluding XXXL

Note: Salary transfer and liabilities holding considered at the time of locker sign­ up/renewal

Yes CBD will be pleased to offer available lockers to customers. However XXXL size Lockers are Reserved for Private Banking customers
  •  For new Lockers, the new charges were effective from March 01, 2018.
  •  For customers with existing lockers, the new charges will be effective from May 01, 2018.
  •  Revised Security Deposit amounts are applicable for new customers only, and will not apply for existing customers upon renewal.
SizeRent per annum Security Deposit*
applicable for new lockers
availed from 01-03-2018
 
Security Deposit*
applicable for existing locker
holders availed [prior 01-03-2018]
SmallAED 1,000AED 2,000 AED 2,000
MediumAED 1,250AED 5,000 AED 2,500
LargeAED 2,000AED 7,000 AED 5,000
X LargeAED 2,500AED 10,000 AED 5,000
XX LargeAED 3,500AED 20,000 AED 10,000
XXX LargeAED 5,000AED 25,000 AED 10,000
  • Average balances are computed based on the Bank’s core system configurations
  • Raffle draws will be conducted in presence of DED representative
  • Winner will need to be Bank’s existing active customer at the time of raffle draw / data extraction
  • Individuals that default on any CBD Asset product repayments, will not receive prizes
  • CBD staff & relatives & Private banking customers will not be eligible to win raffle prizes
  • Product terms and general terms and conditions of the Bank will apply
  • This campaign is run at a sole discretion of the Bank and can be amended / withdrawn at any time with a consent from DED
  • Average balance increase applies for Individual AED denominated Current and Savings accounts

Winners will be notified (on phone) by Marketing team after the draw.

Raffle draws will be conducted monthly – based on the availability of DED representatives 

Monthly average balance is a sum of daily closing balances on each day during the month divide by number of days in the month.

Difference of average balance in an account during a month compared to average balance in the account during previous month is incremental average balance.

Monthly raffle draw conditions:

  • 1 entry in to the monthly draw for every incremental average balance of AED 5,000 in Individual AED denominated CASA i.e. current or savings account.
  • 1 entry for every AED 100,000 booked in step up deposit.

     

    Grand raffle draw conditions:

  • 1 entry to the grand draw for every incremental average balance of AED 20,000 in current or savings account during campaign period. (e.g. for month 1; Average monthly balance for March 2018 – Average monthly balance for February 2018 should be minimum =>AED 5,000)
  • 1 entry for every AED 100,000 booked in step up deposit during campaign period, subject to deposit being active at the end of campaign period.

e.g. (e.g. Average monthly balance for June 2018 – Average monthly balance for February 2018 should be minimum =>AED 20,000)

Note: There are no max cap on the number of entries for both monthly and grand draws.

Total 4 monthly raffle draws and one grand draw. Hence total 5 draws. Refer details of prizes below:

WinnersPrizes
31 Winners of March 2018 Each winner will get a 5 gm Gold coin
30 Winners of April 2018 Each winner will get a 5 gm Gold coin
31 Winners of May 2018 Each winner will get a 5 gm Gold coin
30 Winners of June 2018 Each winner will get a 5 gm Gold coin
WinnersPrize
5 Winners at the end of the campaign Each winner will get a 250 gm Gold coin

Promotion offers a gold coin every day during the campaign period and also offers 5 grand prizes. Winners are selected through a raffle draw. Only winners will get gold coins.

Conventional and Islamic AED denominated Current and Savings Accounts and Step Up Deposit

01.03.2018 to 30.06.2018

Al Dana and Personal Segment Individual customers are eligible

Terms and conditions governing Personal Accounts and Online Banking/Digital Banking service will apply:

  1. The product is offered on the Shariah complaint structure of Mudaraba. 
  2. Profit are calculated on quarterly average balance and paid quarterly.
  3. Profit will be paid in 2 steps:
    • Profit calculations and distribution/payment as per the saving weightage defined in Mudaraba matrix.
    • Additional profit payment from Shareholder’s equity.
  4. Additional profit payment over the normal savings deposit from the bank will be paid from Bank’s own fund/shareholder’s equity.
  5. Additional profit to e-saver customer is paid solely on the bank’s discretion.
  6. Additional profit pay out on closure of account will be as per Bank’s policy
  7. Minimum and Maximum account average balance on which additional profit from the bank can be earned and the profit rates on different amounts are as stipulated by the Bank from time to time. For details please refer product details or call our call centre @ 800847
  8. Withdrawal restrictions apply on this account. For details please refer product details or call our call centre @ 800847
  9. It is mandatory for customers to comply with KYC and AML policies and requirements of the Bank. In case of non-compliance, bank will have rights to block /close the account without prior notice.
  10. All customers agree to submit copies and produce original for sighting of updated passport, residence visa, Emirates ID and other necessary documents as stipulated by the Bank and regulating authorities of the UAE. Failure to this may result in account suspension /closure as may be decided solely by the Bank without prior notification. Failure to above or to meet any other terms may also result in actions as may be required by the laws stipulated by the Bank and regulating authorities.
  11. Branch transactions are restricted for this account.
  12. E-saver Accounts are offered to self-employed and salaried individuals
  13. Minimum salary requirement for salaried individuals for opening Esaver account is AED 5,000/- 
  14. A salary transfer letter is required as additional documentation for customers opening the account for salary transfer purpose
  15. Customers must be 18 years of age or above to open a Esaver account
Very simple! In the registration process, select the fitness tracker you want, input the required date and click on Allow. You can always change the fitness tracker connected with Active Saver under Settings.
In order to sync your activities, you need to link the fitness device or iPhone Health Kit (including Apple watch) with the Active Saver App. Once you have linked your device/iPhone Health Kit (including Apple Watch), the synching of your activities is an automated process which is done once a day by CBD.
Please note: when you connect the fitness device or iPhone Health Kit (including Apple Watch) with the app for the first time, only then the steps will start syncing with the App.
You can do transfer from your account to active saver account and view your saving and steps through Apple Watch.

Please visit our branch to process closure of Esaver account.

Please contact CBD customer service at 800 847 (CBD) to assist you with your query.

Keeping a quarterly minimum balance is not required for Esaver account.

*  If maximum withdrawal per quarter does not exceed permissible limit.
Quarterly Average Balance Profit Rate % (p.a.)*
AED 0 - AED 4,9990%
AED 0 - AED 24,9990.25%
AED 25,000 - AED 99,999
0.75%
AED 100,000 - AED 999,999
1.00%
AED 1,000,000 - AED 4,999,9991.50%
=>AED 5,000,0000.10%

Profits on quarterly average balance will be accrued on the historical/expected Esaver profit rates but will be paid quarterly based on the actual performance of Mudaraba Pool. Given below table on Quarterly average balance broken into slabs. For example, if quarterly average balance is AED 999,999, it will be broken into three slabs:

Quarterly Average Balance slabs Profit Rate p.a
AED 5,000 – AED 24,9990.25%
AED 25,000 - AED 99,999
0.75%
AED 100,000– AED 999,999
1.00%

Esaver account is available in AED only.

One of the features of Esaver account is withdrawal limitation to encourage you to save more and earn attractive profits. However, you can make up to Three (3) debit transactions ( transfers, payments, etc.) per month. You can make more debit transactions but it will result in loss to earn additional profit which the Bank is required to pay you from its own fund for that quarter.

It's easy and convenient! If you are a CBD customer, simply visit CBD Online Banking and apply online. If you are not a CBD customer, have your passport, residence visa and Emirates ID ready and apply here.

To apply for Esaver account you should be UAE National or UAE resident and you should be at least 18 years old. You will also need valid passport, residence visa and Emirates ID, in case it is not up to date in our records.

It is a digital savings account, structured on Islamic concept of Mudaraba that offers attractive profits with the convenience of digital banking channels. You can open this account through our online application only and operate it through CBD online banking, mobile banking or ATM/CDM machines.

Profit would be calculated on the basis of quarterly average balances and will be distributed in following 2 steps:

  1. Each quarter the distribution to all savings account (including e-Saver accounts) shall be processed according to existing weightage matrix.
  2. Subsequently, for savings accounts which are tagged as e-Saver accounts bank will provide an additional amount of bonus from its own account / funds / share.


Please find attached table.

Parameters

Premium Saver

Currency

AED

Minimum Monthly Amount (AED)

5,000

Tenure

18 Months

Return at maturity /End of the Tenure*

1.4%

Annualized Yield (if tenure completed)*

1.025%

Monthly contribution funding

Standing Order set-up on Savings Account**
   

All parameters

As per existing products

Detailed interest rate

Please refer appendix.

 

*Annualized interest is a backward computation of return at maturity over the product tenor. Total returns shown above are including monthly interest and bonus interest as applicable. Bonus interest paid at the maturity, subject to receiving regular monthly deposits.

** Standing Orders set for funding Recurring Deposits are free of charge

Please contact CBD customer service at 600 575 556 to assist you with your query.

Sorry, partial withdrawals are not permitted. 

You will be required to set up standing order at the time of applying for Premium Saver account.

Bonus amount is accrued every six months; the bonus amount is equal to the total accrued interest during the last six months. The payment of bonus at maturity will be subject to successfully receiving pre-fixed monthly amounts through the linked Standing Order instruction across all 18 months. No bonus will be paid if on any month pre-fixed amount fails to get credited to Premium Saver deposit account or if the deposit is liquidated prior maturity.

Monthly pre-fixed amounts are transferred to the Premium Saver deposit account through a linked Standing Order instruction, which will be set-up on your current/savings account at the time of applying for Premium Saver deposit account. 
Please note that if the linked standing order fails to credit monthly pre-fixed amounts to deposit account, re-execution of such failed standing order is not permitted. Hence it is extremely important to ensure that you maintain sufficient balance in your current/savings account where standing order is set-up.

If you are UAE National or UAE resident, at least 18 years of age, with a valid passport, residence visa and Emirates ID, then you can apply. 

Sorry, topping up of existing deposit is not permitted. However, you can always open a new Premium Saver deposit.

Premium Saver deposit is available in AED only.

Premium Saver deposit is available for 18 months monthly contributions.

Minimum monthly deposit amount is AED 5,000.

You can apply through nearest CBD branch.

The Premium Saver deposit is a monthly recurring deposit that allows you to build up your savings by investing a pre - fixed amount starting from AED 5,000 every month through standing order, for a defined period of 18 months. With Premium Saver you will get attractive interest rate on your monthly deposits. In addition, you will also get a bonus at maturity. Your total returns, if you don't miss your monthly contributions, can reach approximately 2.59% on average balance over 18 months (T&Cs apply).

Yes. This program is offered to customers at the sole discretion of the Bank. CBD reserves the right to modify wholly or in part this program or may discontinue/ stop or withdraw this program partially or completely at anytime without any prior notice to the customers. Terms and Conditions shall be in addition to and not in substitution to the rules and regulations governing the use of any CBD product or any general / other terms and conditions declared by the Bank from time to time.

All decisions with regards to this program made by the Bank (CBD) will be the final.

All terms and conditions declared by the Bank (CBD) from time to time with regards to this program and terms and conditions declared by the Bank for the existing Tijari / Attijari Loyalty Program of all credit cards will apply.
CBD has always considered customer interest and customer satisfaction of the utmost priority and will continue doing so. However decision of the Bank (CBD) in all cases / disputes will be the final.
You can contact CBD call center on 600 575 556

Al Dana clients can call 800 (AL DANA)

No. If you are classified as a (delinquent) customer, you may not be allowed to redeem your points until you restart paying your dues.

If the customer is earning points through the other products he can redeem the points for Emirates Skywards Miles or Etihad Guest Miles. Cash Back to Account Redemption is available only for Non- credit card holders. “Non- credit card holders means; customers who have never applied for credit cards no matter (active, inactive, closed, blocked, etc.)


Customer should redeem the points before closing the credit card, after redemption request is completed customer can cancel the card. Otherwise customer will only have to redeem the points to Emirates or Etihad.
Redemption of points is possible through our system for active customers. Once the relationship is terminated, points cannot be redeemed. However, Bank may consider allowing redemption at its sole discretion.
No. you don’t have to choose product/s or Pool / Point’s Category. System will debit points based on a pre-set logic depending on the selected redemption type as explained below:

Pools / categories Order logic:

Points are debited from pools / categories as follows:

First - “Points Expiring This Year”

Then - “Points Expiring Next Year”
It indicates the period during which points are earned by transactions / activity as shown in Table 2, 3 and 4 (A and B). If From Date is shown without To Date, it indicates the date of transaction (such transactions include redemption, manual debit / manual credit / migration etc.
No, expired points will not be shown on the statement. However information may be provided upon request.

Redeemed points are available points will be updated on the system upon the approval of a redemption request or upon migration of points from one pool to the other (refer explanation / answer below). However earned points (Normal, New Prod. and Bonus) during the month (on all products including credit cards) will be rewarded / updated during the first week of the subsequent month.

Attijari Point’s statement will be made available free of charge on CBD Online Banking, and mobile application.
Ten thousand Attijari Points can be redeemed for 500 Etihad Guest Miles.

(Please note that your Attijari Points Account will be debited for the number of points requested for Etihad Guest Mile redemption. However number of Etihad Guest Miles will be calculated after rounding the decimal value to the floor). Hence in this illustration, Attijari Points debited is 10,000 and Etihad Guest Miles credited is 500 miles.
Ten thousand Attijari Points can be redeemed for 500 Skywards miles.

(Please note that your Attijari Points Account will be debited for the number of points requested for Skyward Mile redemption. However number of Skyward Miles will be calculated after rounding the decimal value to the floor). Hence in this illustration, Attijari Loyalty Points debited is 10,000 and Skyward Miles credited is 500 miles.
Request will be processed as per the valid account number provided by the customer, and the customer will not be able to reverse points from any closed redemption request.

You can request to redeem available points by either calling CBD Call Center on (600575556) or through Online Banking & Mobile Application.

20 Attijari Points equals 1 Etihad Guest Mile.

Minimum of 10,000 Attijari Points is required to start requesting for the redemption which will be equivalent to 500 Etihad Guest Miles.

Equivalent Etihad Guest Miles value can be calculated by using Calculator specially designed for this program. Calculator is available on CBD website.

CBD staff can access calculator on Zoom / CRM.
20 Attijari Points equals 1 Skyward Mile.

Minimum of 10,000 Attijari points is required to start requesting for the redemption which will be equivalent to 500 Emirates Skywards Miles.

Equivalent Skyward Miles value can be calculated by using Calculator specially designed for this program. Calculator is available on CBD website.

CBD staff can access calculator on Zoom / CRM.
AED 50

Equivalent AED value can also be calculated by using Calculator specially designed for this program. Calculator will be available on CBD website.

Emirates Skywards Miles: You can enjoy a host of Skywards services by redeeming your accumulated Attijari Points for Skywards Miles. Points earned on other products (Normal, Bonus & New Prod.) are available for this redemption.  
 

Etihad Guest Miles: You can enjoy a host of Etihad services by redeeming your accumulated Attijari Points for Etihad Guest Miles. Points earned on other products (Normal, Bonus & New Prod.) are available for this redemption

Cash-back: Points earned can be redeemed for Cash Back. For credit card holders cash will be credited to customer active Credit Card account only. If the customer is closing his credit card he will need to first redeem the points then close the card as if the card get closed he will only have the option to redeem to Emirates or Etihad. For Non-credit card holder’s cash back will be credited to their account.

Points earned in the current year till 31st December, will get expired on the following year December End.

Yes. You can earn Normal points on Credit Cards usage (for purchase) as there is no limit applicable as on date.

You can also earn Points on New Product sign-up as shown in Table 4a. These points are shown in the statement as “New Prod.”

Products

New Prod. Points

Investment Products

7500

Current Account*

5000

Savings Account*

5000

      * Eligible for funded accounts only.

In addition to credit card usage and new product points, you can also earn Bonus Points - as mentioned in the following table 4B:

Table 4B: Bonus Points

CBD Product

Bonus Points

 

Current Account

1000 points for every monthly incremental average balance of AED 500,000

 

Savings Account

500 points for every monthly incremental average balance AED 500,000

Al Dana Non-interest Bearing Current Account

1250 points for every monthly incremental average balance AED 500,000

Al Dana Interest Bearing Current Account

750 points for every monthly incremental average balance AED 500,000 and above

Time Deposit (Only for Time Deposits applied prior to 01.02.2018)

1000 points for every deposit amt => 1,000,000 placed for minimum 3 month

Table 3: Maximum Normal Points permitted to earn per Calendar year:
Products Maximum Normal Points permitted to earn per Calendar year
Current Account 300,000
Savings Account 200, 000
Al Dana Interest Bearing Current Account 250, 000
Al Dana Non-Interest Bearing Current Account 350, 000
All Investment Products 200 ,000
Personal Finance 200, 000
Tam-wheel / Auto Loan 250, 000
All Credit Cards NA
Please note that the above limit will apply cumulatively on all accounts under the same product held by a customer.
Normal Points are rewarded based on the amount as shown in the Table 2 below:
Product Points for every AED 1000
Current Account 30
Savings account 20
Al Dana Non Interest Bearing Current AccountAl Dana Non Interest Bearing Current Account 40
Al Dana Interest Bearing Current Account


- Points awarded on incremental add-on / new to Bank average balance
- Minimum incremental average balance to qualify is AED 10,000
25
Lump sum Investment Products


- Points awarded on add-on / new to bank amount
- Minimum amount to qualify is AED 1,000
30
Systematic investments
 
- Points awarded on monthly contribution amount as well as add-on/new to Bank amount
- Minimum amount to qualify is AED 1,000
40
Personal Loan 100
Home Loan 25
Auto Loan
- Points awarded on new loan amount & for top-up Personal loan, on incremental amount of AED 10,000
70
For your reference, Attijari Loyalty Points Program calculator is available on CBD Website.
Yes. Please refer the following Table 1:
Currency AED
Current Account Monthly incremental average balance minimum AED 10,000
Savings Account
Al Dana interest bearing Current Account
Al Dana non-interest bearing Current Account
All Investment Products Minimum monthly incremental amount AED 1,000
Personal Loan New loans - actual amount,
Top up loan - incremental amount
Tam-wheel / Auto Loan New loans - actual amount
All Credit Cards On usage for purchasing
Attijari Points can be earned by:
• Increasing monthly average balance by minimum AED 10,000 in…
1. Current Account
2. Al Dana non-interest bearing / interest bearing Current Accounts
3. Savings Account
(Monthly average balance is the average of daily closing balance across the calendar month)
• Using CBD Credit Cards for purchases
• Increasing your existing investment amount by minimum AED 1000
• Appling for any of the following new CBD products in AED denomination:
1. Lump sum / Systematic Investment Products
- Current Account
- Savings Account
- Al Dana Interest Bearing Current Account
- Al Dana Non-Interest Bearing Current Account
- All Investment Products
- Personal Loan
- Tam-wheel / Auto Loan
- All Credit Cards

 
Details of Points earned for each Dirham spent on various CBD Credit Cards is as follows:

Number of Points For Every Dirham Spent
Cards Type MCC Group 1 MCC Group 2 Remaining MCCs
 (Retail Grocery MCC – 5411)  (Governments MCC – 9399)
Domestic and International Domestic and International Domestic International
Master Card World 1 0.5 2 2.5
Visa Infinite 1 0.5 2 2.5
Visa Signature 1 0.5 2 2.5
Visa Platinum 1 0.5

 

1.5 2
Master Card Gold 1

 

0.5

 

1 1.5
Visa Internet 1 0.5 1 1

*MCC – Merchant Category Code

Yes, you can earn Attijari points on various banking services, utility bill payment and international fund transfers through CBD Online or Mobile Banking. Terms & conditions apply.

Earn Attijari points through Online and Mobile banking;

Usage Points earned Reward Limits
First time registration 500 One time on registration
Set up for utility bill payments 250 One time for the first set up
Utility bill payment 50 Five transaction worth 250 per month
International funds transfer 500 Per transaction AED 5000 and above
All Retail individual customers are eligible to avail Attijari Loyalty Program.
The Attijari Loyalty Program is CBD’s way of saying “Thank You” and we’ve made it specially flexible and easy for you to use. “Attijari Loyalty Program” is an initiative designed to enable our loyal customers to earn loyalty points across nearly all CBD Consumer Products.

Customers can convert these Attijari Loyalty Points to Skyward Miles, Etihad Guest Miles or cash back.
Our expat account offers a range of useful perks just for Dubai and UAE expats. Kickstart your expat lifestyle with fantastic savings on dining out, travel and entertainment, with the MasterCard Buy 1 Get 1 free App. Get around Dubai for less, with a 50AED credit on your NOL card, which can be used towards the cost of public transport and parking. Simply top up your card at your nearest Dubai Metro or bus station, and keep moving!
Start setting up your expat bank account in just 24 hours. It’s quick and easy to apply for an account now. Your Relationship Manager will get in touch to guide you through the process and arrange for your documents to be collected.
Dubai and UAE expats can transfer money home twice a month free of charge, in any major currency, using our online or mobile banking service 24 hours a day. With one-time set up of beneficiaries, and automated payments if you choose, we make it easy for you to meet any financial commitments you may have back home.
It’s easy to apply for an expat bank account, simply complete our online form and one of our representatives will get in touch within one working day to complete your account set up.
Congratulations on getting settled in the UAE. If you’ve been resident for more than 6 months, you may be eligible to open a CBD Current Account.
We can open an account for you once you have your residency visa. If you give us your details, we’ll contact you before you move to start getting your account ready.
We can open a CBD Savings Account for you whilst you wait for your residency visa.
You can open our new expatriate bank account if you are new to Dubai and UAE (residing in the country for less than 6 months), aged 21 or over with a monthly salary of  AED10,000 or more.
A Security Token is an electronic key that randomly generates a 6-digits Pass-code displayed on its screen and changes every 60 seconds. A Security Token works when used in conjunction with a fixed 4-digit PIN of your choice. You can request a hard token through the branch or a digital token through Online Banking.

Download CBD Mobile Banking App and register for secure token using the debit card 4 digit PIN. You'll need to setup 4 digit PIN for the token in order to complete the activation

You can continue to use the RSA token and choose to switch to the token within CBD Mobile Banking App at your convenience

You will need to use the token in online banking to do transactions such as: save beneficiary, transfer funds, request a cheque book and reset your credentials

Token PIN is a fixed 4-digit PIN of your choice that works together with security token in carrying out financial transactions in Online Banking.

Yes, you can generate your Secure Token code when you are offline  

If you already have a physical token, you can continue using it and you have the choice to switch to digital token at your convenience

Terms and conditions governing Personal Accounts and Online Banking/Digital Banking service will apply

  • Branch transactions are restricted for this account.
  • Esaver Accounts are offered to self-employed and salaried individuals
  • Minimum salary requirement for salaried individuals for opening Esaver account is AED 5,000/-
  • Minimum and Maximum account average balance on which interest can be earned and the interest rates on different amounts are as stipulated by the Bank from time to time. For details please refer product details or call our call centre @ 600 575 556
  • Withdrawal restrictions apply on this account. For details please refer product details or call our call centre @ 600 575 556
  • It is mandatory for customers to comply with KYC and AML policies and requirements of the Bank. In case of non-compliance, bank will have rights to block /close the account without prior notice.
  • All customers agree to submit copies and produce original for sighting of updated passport, residence visa, Emirates ID and other necessary documents as stipulated by the Bank and regulating authorities of the UAE. Failure to this may result in account suspension /closure as may be decided solely by the Bank without prior notification. Failure to above or to meet any other terms may also result in actions as may be required by the laws stipulated by the Bank and regulating authorities.
  • Interest pay out on closure of account will be as per Bank’s policy
  • A salary transfer letter is required as additional documentation for customers opening the account for salary transfer purpose
  • Customers must be 18 years of age or above to open a Esaver account
  • Interest is accrued and paid on average balances at the end of each calendar month (provided account has been open for the whole calendar month).

  • Interest is calculated after splitting total average monthly balance across the tiers (as shown in the interest rate table). The value of balance may fall across multiple tiers. Interest is paid as per the respective tier rates that are valid for that month.
     
  • Interest rates and earning rules may change from time to time (subject to our sole discretion) and will be updated on the CBD NOW app and website.
14 Attijari Points equals 1 Mile. Equivalent Emirates Skywards or Etihad Guest Miles value can be calculated by using Calculator specially designed for this program. Calculator is available in CBD Online Banking.
AED 65. Equivalent AED value can also be calculated by using Calculator specially designed for this program. Calculator will be available on CBD website.
At present, we offer access only to the UAE markets (Dubai Financial Market and Abu Dhabi Securities Exchange).
If you have lost or forgotten your Password, please call on +971 4 212 1010 and one of our consultants will advise you.

As soon as your User ID and Password becomes effective, all you need to do to start the Attijari Tadawul service is to connect to the Internet and then do the following steps:

  • In address box type www.cbdfs.ae and press enter
  • Once you reach the page, enter your User ID and Password and Click Enter,
  • Then you will receive a token number through your registered mobile number
  • Enter the token number and then you are ready to access Attijari Tadawul. 
The password will be sent via SMS to the registered Mobile number once the online account is established
All you need is to maintain an account with CBD FS. To know more, please call 971 4 212 1010
All you need is to maintain an account with CBD FS. To know more, please call 971 4 212 1010

The safety of transactions on the Internet and mobile app depends on the encryption system used. The better this transaction system, the more difficult it is for any person to hack the site.

Internationally, the best system available today, is the 128-bit encryption, a system, is one of the few online share-trading sites in the country equipped with this 128-bit encryption.

Secondly, you too can ensure the safety of the transactions online. You normally get a secured user id and password, the secrecy of which is to be maintained entirely by you.

Thirdly, if the transaction system requires no manual intervention, you further improve the safety in the transactions. This enables the elimination of the possibility of any manual intervention. Which means orders are directly sent to the market ensuring that you get the best and right price.

Mobile App is an application from CBD financial service that enables you to trade and manage your UAE stock markets portfolio in real time from your phone any time.

Attijari Tadawul is trading online service from CBD financial service that enables you to conduct secure Trading on your Account fro the shears of DFM & ADSM security market. You can now access your accounts from the convenience of your home or office & even anywhere around the world through the Internet. Attijari Tadawul gives you real time access to your accounts information. It is an Internet-Based service that provides you a safe and convenient way to do your Trading. You can:

  • Real time trading
  • View your portfolio
  • View trading transactions
  • View statements.
  • View DFM and ADX market watch.

There are four options to trade with CBD Financial Services:

  1. By phone: Orders can be placed by calling the brokers thru the phone on +971 4 212 1017 or +971 4 2121 1022.
  2. Online: Orders can be placed Attijari Online by visiting our website www.cbdfs.ae
  3. Mobile App: Orders can be placed from your phone. 
  4. Walk-in in the branch: Orders can be placed after signing buy and sell slip.
Yes, you need to have either current or saving bank account with CBD that would be used for transferring funds to the trading account or withdrawal.
Trading number is a unique number given to you by the brokerage company to identify your account with them in DFM & ADX market.

The National Investor Number (NIN) is a unique number given to you as an investor. It identifies your account at the Clearing and Depository Settlement (CDS) with the market, which holds all investor shares.

A separate Investor no is needed for each Dubai Financial Market (DFM) and the Abu Dhabi Exchange (ADX).
Yes, you can earn Attijari points on various banking services, utility bill payment and international fund transfers through CBD Online Banking. Terms and Conditions apply.
No. Premium alterations are not allowed in CBD Pension Plan.
Please refer to fund returns of applicable funds.
The customer can surrender the policy at any time after the free look period of 21 days. However, it would obviously not make sense to surrender within the first year as the benefit payable would be 0. From year 2 to 5, the cash value would be fund value minus surrender charge of 5% of Annual Premium. From year 6 onwards, the surrender charge applicable is 0.5% of Annual Premium. The customer can also make partial withdrawals from the fund with the condition that the fund value post withdrawals remains above 2x Annual Premium. Note that there are no charges on partial withdrawals.
If the policy has a positive cash value in the policy, the policy becomes paid up and all charges shall be realized from the fund. The fund will continue to be invested and life cover will continue. Once the cash value becomes less than or equal to the applicable charges, then the policy shall be considered automatically lapsed. Note that if premiums are not paid anytime in the first 3 years, the policy lapses and cash value as of date of automatic lapse will be paid to the policy holder after 2 years.
Yes, this option is available. This option needs to be selected at the inception of the policy and cannot be added at a later stage.
Yes you can. The easiest way to manage this is to continue holding a non-resident USD Savings account in the UAE/GCC (subject to meeting regulatory requirements). Alternatively if you wish to transfer funds for this plan from other countries, it will be subject to meeting / complying with banking and financial regulations /norms of the respective country.
Pension Plan is designed to ensure you prepare for your retirement with flexibility and offers an opportunity to grow your savings till you retire. The product includes one of the lowest fee/charge structures and offers extraordinary loyalty returns through the plan tenure. CBD Pension Plan allows you to choose regular monthly/ annual returns in USD or a lump sum withdrawal at the time of retirement as per your financial needs.
All nationals and expatriate residents of GCC can apply for this product from the age of 20 till the age of 55.
CBD Smart Pension Plan is a unit linked investment plan bundled with life insurance cover, which is designed to prepare you for your financial needs during your retirement period. The product allows you to build and grow your wealth for retirement by saving regularly i.e. as little as USD 250 per month.

You can reset your Mobile Banking user ID and password through the app:

  • If you forgot your user ID, go to Mobile Banking login page and click on forget user ID
  • If you forgot your password, go to Mobile Banking login page and click on forgot password to reset it.

    Also, you can contact the Customer Service Center at 600 575 556, we will be happy to assist you.
Please visit our branch to process closure of Esaver account.
Please call us at 600 575 556 to disable the digital token or re-assign it to your new mobile phone. Security token only works when it is combined with 4 digits token PIN, so please make sure that you don't share it with anybody and don't save it in your mobile phone.
To set up token PIN, please follow these steps:


1.After login, please click "Service" tab
2.Under "Online Settings", please select "Token PIN Generation" from Request Type dropdown menu
3.Enter token pass-code (6-digit number on your token) and click submit
4.Enter the new four digit PIN and confirm the same

Token PIN is a fixed 4 digit PIN of your choice that works together with security token in carrying out financial transactions in online banking.

You need to call 600 575 556 to de-link your token from your user ID. You can disable your token at any point by visiting the "Requests" screen or calling us on 600 575 556.

Digital token will be activated within 24 hours.
Please visit the branch where you will get security token. It will be activated within 24 hours. After activation, you will need to go to Services screen of Online Banking and self-create your own token PIN.


To request a digital token you need to login to Online Banking and request a digital token:

1. Download the RSA Secure ID app on your smartphone. To complete the process, please ensure that your mobile number is registered and updated with CBD.
2. Login to CBD Online Banking and place your request for digital token that you will find under Services section.
3. Enter the Binding/Device ID that you will find in the app, under Information details. It will link the digital token to your online banking User ID.
4. Once you bind the token, you will receive a call from a CBD customer agent to verify your request, followed by a SMS with the link to open it withih the App.
5. Generate 4-digit token PIN in CBD Online Banking, under Online Settings.

Secure token will be used to authenticate you on other channels like online banking.


The token randomly generates a 6-digits Passcode that is displayed on the screen and changes every 60 seconds. A Security Token works when used in conjunction with a fixed 4-digit PIN of your choice.
You can request a hard token if you don't want to use the digital token. Please visit the branch and request a security token.
You can use both digital and hard token, but not at the same time.
CBD has taken all the required measures to ensure the safety of digital token. Digital token is mapped to your mobile hardware device ID, so it can only be used on mobile device. Also, token only works when it is combined with 4 digits token PIN, so please make sure that you don't share it with anybody and don't save it in your mobile phone.
Digital token is a security token that you can download on your mobile. It is an electronic key that randomly generates a 6-digits pass-code that changes every 60 seconds. A digital token works when used in conjunction with a fixed 4-digit PIN of your choice.
The hard token is a small device that you need to carry to authorize your transactions. Digital Token is a an app that you can install on your smart phone. You need to setup the App and link it to Online banking to start using it.
For death and permanent total disability covers, you should be between 18 and 64 years of age at entry and 70 years old at termination.
For critical illness and involuntary loss of employments covers you should be between 18 and 59 years of age at entry and 60 years old at termination.

Please contact CBD customer service at 600 575 556 to assist you with your query.

Please contact CBD customer service at 600 575 556 to assist you with your query.

Please contact CBD customer service at 600 575 556 to assist you with your query.

A Secure Token is an electronic key that is an additional layer of authentication to enable secure electronic banking .The token randomly generates a 6 digit pass-code that displays on the app and changes every 60 seconds. A Security Token works when used in conjunction with a fixed 4 digit PIN of your choice.


You can use both digital and hard token, but not at the same time.

Digital token:

You can request a digital token through Online Banking (Services page or at the time of making a transaction) or through Mobile Banking (Settings page):

  1. Follow the instructions to download the RSA SecurID App and provide the biding ID. To complete the process, please ensure that your mobile number is registered and updated with CBD.
  2. Once you bind the token with Online Banking, you will receive a call from a CBD customer service agent to assist you in activating your token.
  3. You will receive SMS with the link that you need to open within the app.
  4. After activation, you can use it to make transactions in online or mobile banking that require an added layer of authentication.
  5. Generate 4-digit token PIN, if you are using token for the first time (you can generate it in Online Banking, under Online Settings.

Hard token:

You can request a hard token by visiting your nearest branch and request for it. You need to activate your token by calling 800 223 (CBD). Once activated login to Online Banking and generate token PIN (Services page - Online settings).

Digital token will be activated within 24 hours.
After your digital token request is validated by Call Center, you will receive SMS once your token has been activated.
Please call us at 600 575 556 to disable the digital token or re-assign it to your new mobile phone. Security token only works when it is combined with 4 digits token PIN, so please make sure that you don't share it with anybody and don't save it in your mobile phone.
CBD has taken all the required measures to ensure the safety of digital token. Digital token is mapped to your mobile hardware device ID, so it can only be used on mobile device. Also, token only works when it is combined with 4 digits token PIN, so please make sure that you don't share it with anybody and don't save it in your mobile phone.
Approved claims are credited to your card account monthly in case of involuntary loss of employment, and as a lump sum payment for total and permanent disability and critical illness.
Yes, you can get Credit Shield on multiple CBD Credit cards.
Since supplementary card transactions are charged to the Primary Cardholder, these expenses are covered under Credit Shield.
The fee will be conveniently billed through your credit card and the amount will be reflected in your monthly credit card statement.
Sorry, partial withdrawals are not permitted. 
You will be required to set up standing order at the time of applying for Bonus Booster account.
Bonus amount is equal to your one pre-fixed monthly deposit amount. The payment of bonus at maturity will be subject to successfully receiving pre-fixed monthly amounts through the linked Standing Order instruction across all 36 months. No bonus will be paid if on any month pre-fixed amount fails to get credited to Bonus Booster deposit account or if the deposit is liquidated prior maturity.
Monthly pre-fixed amounts are transferred to the Bonus Booster deposit account through a linked Standing Order instruction, which will be set-up on your current/savings account at the time of applying for Bonus Booster deposit account. 

Please note that if the linked standing order fails to credit monthly pre-fixed amounts to deposit account, re-execution of such failed standing order is not permitted. Hence it is extremely important to ensure that you maintain sufficient balance in your current/savings account where standing order is set-up.
If you are UAE National or UAE resident, at least 18 years of age, with a valid passport, residence visa and Emirates ID, then you can apply. 
Sorry, topping up of existing deposit is not permitted. However, you can always open a new Bonus Booster deposit.
Bonus Booster deposit is available in AED only.
Sorry, no interest is paid in case of pre-matured withdrawals. Only principle amount saved will be returned.
Bonus Booster deposit is available for 36 months monthly contributions.
Minimum monthly deposit amount is AED 1,000.
You can apply through CBD Online Banking. Otherwise, you can visit your nearest branch. 
The Bonus Booster deposit is a monthly recurring deposit that allows you to build up your savings by investing a pre - fixed amount starting from AED 1,000 every month through standing order, for a defined period of 36 months. With bonus booster you will get guaranteed interest rate of 1% per year on your monthly deposits. In addition, you will also get a bonus at maturity which is equal to your one monthly deposit amount. Your total returns, if you don't miss your monthly contributions, can reach approximately 8.25% on average balance over 36 months (T&Cs apply).

Access to the CBD Mobile App is locked after the fourth invalid login attempt. To reset your Password, you can contact the Customer Service Center at 600 575 556 or visit online banking:
If you forgot your user ID, go to online banking login page and click on Forgot User ID to reset it.
If you forgot your password, go to online banking login page and enter you user ID.
Click on Reset/Forgot password to reset it.

You can access our mobile app on multiple devices with the same credentials or register with a new passcode for Quick Apps, but you will not be able to login on different devices at the same time.

You should always use the log off button to close your session after using the CBD Mobile App. For your security, even if you don't log out, your session will time out after 3 minutes of inactivity. After this, anyone using your mobile device will have to enter your CBD online User ID and Password to access your account information.

We also recommend that you not store your User ID and Password in another app on your device, for instance in the Notes app.

Easy, please follow these steps

  • Select Bill Payments from the home screen
  • Select the desired service provider
  • Choose the existing beneficiary or create a new beneficiary
  • Enter the payment details to complete the bill payment.

Easy, please follow these steps:

  • Select Fund Transfer from the home screen
  • Select the desired type of transfer
  • Choose the existing beneficiary or create a new beneficiary
  • Enter the transfer details to complete the transfer.

Easy, please follow these steps

  • Login to Quick Pay using your 4 digits passcode
  • Select the desired service provider
  • Choose the existing beneficiary or create a new beneficiary
  • Enter the payment details to complete the bill payment.

Easy, please follow these steps:

  • Login to Easy Transfer using your 4 digits passcode
  • Select the desired type of transfer
  • Choose the existing beneficiary or create a new beneficiary
  • Enter the transfer details to complete the transfer.

CBD Mobile banking App allows you to bank anytime anywhere through your mobile device and experience the following features and benefits:

  • Access quick apps: Easy transfer and Quick pay
  • View Balance of all your accounts and check their details
  • Manage your credit cards, view limit, outstanding limit and make a payment
  • View statement for accounts and cards for the last 3 months
  • Make payments to your registered beneficiaries or to new beneficiaries
  • Transfer funds to CBD accounts, other UAE banks and international remittance
  • Locate ATMs and branches
  • Stay updated on CBD’s latest products, services and promotions

You can make bill payments to new beneficiaries using CBD Mobile App, after making the payment you will have the option to save the beneficiary.

You can access only the quick apps (Quick Pay and Easy Transfer) by setting up a new passcode. Please register for CBD Online Banking, which allows you to use your credentials to access the CBD Mobile Banking App.

CBD Mobile App has all functionalities while the quick App allows you to do quick bill payments and easy transfers.

Just register with your account or card number and create a passcode to start using quick apps:

  • Go to CBD Mobile Banking Login screen
  • Choose Quick Apps from the bottom of the screen
  • Enter your CBD account or credit card number
  • Enter OTP ( one time password) sent to your registered mobile number
  • Create your passcode, accept terms and conditions and click on Continue

For CBD Mobile App SMS MOBILE to 4266 to receive the download link or download CBD Mobile App from Google Play or Apple iTunes Store by searching for CBD Mobile Banking.

CBD Mobile Banking App is available on Android and IOS platform.

Yes, Quick Apps (Quick Pay and Easy Transfer) is a service developed within CBD mobile app to allow you to do quick bill payment and transfer funds easily by creating a new passcode.

CBD has taken all the required measures to ensure the safety of your account information. However during the registration process for quick Apps, you need to setup a pass code which you should not share it with anyone for your security.

No synchronization is required; all your beneficiaries from Online Banking will be displayed in your CBD Mobile Banking App including Quick Apps.

Yes you can, follow registration process and create credentials for mobile banking even if you are not registered for Online Banking 

CBD Mobile banking App allows you to bank anytime anywhere through your mobile device and experience the following features and benefits:

  • Access quick apps: Easy transfer and Quick pay
  • View Balance of all your accounts and check their details
  • Manage your credit cards, view limit, outstanding limit and make a payment
  • View statement for accounts and cards for the last 3 months
  • Make payments to your registered beneficiaries or to new beneficiaries
  • Transfer funds to CBD accounts, other UAE banks and international remittance
  • Locate ATMs and branches
  • Stay updated on CBD’s latest products, services and promotions

 

Fraudsters may access your credit card details from old receipts to purchase high value items on the internet where the retailer does not need to see the card to authorize the purchase. In such cases OTP provides additional protection by ensuring that only you as the cardholder will have the password.


Please change your password immediately and contact us on 600 575 556.
Here are some of the ways by which you can protect yourself every time you use your ATM:
• Never disclose your Personal Identification Number (PIN) to anyone.
• Never write your PIN or Password on your ATM card or Credit card. Memorise your PIN or Password.
• Never use an ATM with a blank screen.
• Do not force your card into the card slot.
• Stand close to the ATM and use your body and hand as a shield to make sure nobody sees you keying in your PIN.
• Keep your hand over the card slot to make sure nobody can swap or take your card.
• Only put in your PIN when the ATM tells you to do so.
• Avoid drawing cash late at night or when you are alone.
• Leave the ATM immediately if you don't feel safe or you are suspicious of individuals loitering around. Come back later or use another ATM.
• Never accept help from strangers when using an ATM. Always be wary of strangers asking for help. While one distracts you the other steals your card and money.
• If the ATM retains your card, cancel it immediately.
• Never allow a bystander to call the toll-free number on your behalf - they could be tricking you into thinking your card has been stopped.
• Always check that it is your card you get back from the ATM.
• Be aware of the daily withdrawal limits on each of your cards and decrease them if necessary.
• When using your cards at ATM's, be alert that there are no additional devices affixed on the card reader slot or keypad, and also ensure that no one can see you punch the PIN number on the ATM keypad.
• Report lost or stolen cheques, ATM cards, or credit cards as soon as you discover they are missing.
Please follow below tips to protect yourself from shoulder surfing:
• Stay alert at all times when using ATMs.
• Always cover the PIN pad before entering your PIN. 
• Ensure that no strangers are around or interrupting your time with the ATM or Point of Sale device. 
• Do now allow your card to be out of sight at any time. 
• Use your trusted sites or sites that are highly secured.
• Read the ATM screen before attempting a transaction. 
• Do not continue with the transaction if you suspect something is wrong.
• Lastly, call our call center immediately if you suspect any type of fraud, or card or ATM tampering.
Shoulder surfing happens when criminals try to distract you while you are entering your personal identification number (PIN), with the pretense of wanting to assist you as the ATM is not working correctly. Other times, they might try to see your PIN number and they might attempt to steal your card in order to access your account.

Here are some tips on how to protect your credit card:  

  • Never let your cards out of your sight when paying in shops or restaurants, as they may be copied or cloned. Don't leave them on show or 'behind the bar'.
  • Don’t let anyone else use your credit card. 
  • Always keep your receipts and dispose of them by shredding.
  • Only shop on reputable and trusted websites.
  • Keep your credit card safe and avoid leaving it in unattended bags, jackets or cars.
    If you lose your card or if it’s stolen then tell us straight away on 600 575 556.
Only primary card holder can receive OTP (one time password), so if you are a supplementary card holder you will be required to enter details of the primary card holder like credit limit, date of birth and name on the card.
3D Secure Authentication offers extra layer of security when shopping online by asking you to input OTP (one time password) which will be sent to your mobile number registered with us. In case you didn’t receive OTP or you are a supplementary card holder you will be required to enter details of the primary card holder like credit limit, date of birth and name on the card.
MasterCard SecureCode™ and Verified by Visa™ (also known as 3D Secure) are the leading security systems for authenticating credit card transactions online, so you can feel confident when using your credit card for purchases over the internet.
Keeping your financial and personal information secure is our highest priority. We use the most sophisticated levels of technology and processes to protect your privacy and security and prevent fraudulent transactions on your credit card. Lately we introduced 3D secure which is a leading security system for authenticating credit card transactions online.
There are various frauds linked to stealing your money and credit card details for unauthorized purchases:
• Card not present fraud - Fraudsters may access your credit card details from old receipts to purchase high value items on the internet or phone where the retailer does not need to see the card to authorize the purchase, for example: card not present.
• Cash machine (ATM) fraud - Devices are planted in cash machines by fraudsters in order to skim the card details and use them for unauthorized purchases at a later date. The fraudster may also be watching at the cash machine to steal your card and PIN.
• Counterfeit fraud - Counterfeit is a term used to describe the manufacture of a credit card so it looks like a genuine card. Genuine credit cards are then “skimmed” and the details duplicated onto the counterfeit card via the magnetic strip.
• Mail not received fraud - Cards are stolen in the post before the cardholder receives them and used for fraudulent purchases.
If your mobile number has stopped working for a longer then usual period, inquire with your mobile operator to make sure you haven't fallen victim to the Scam. Register for SMS and any other alert mechanism available to stay informed about the activities in your bank account. Regularly check your bank statements and transaction history for any irregularities.  
Step 1 : Fraudsters gather customer's personal information through Phishing, Vishing, Smashing or any other means.
Step 2 : They then approach the mobile operator and get the SIM blocked. After this they visit the mobile operator's retail outlet with the fake ID proof, posing as the customer. Step 3 : The mobile operator deactivates the genuine SIM card and issues a new one to the fraudster.
Step 4 : Fraudster then generates One Time Password (OTP) required to facilitate transaction, using the stolen banking information. This OTP is received on the new SIM held by the fraudster.
Under SIM swap fraud, fraudsters manage to get a new SIM card issued against your registered mobile number through the mobile service provider. With the help of this new SIM card, they get One Time Password (OTP) and alerts, required for making financial transactions through your bank accounts.
Follow below tips to stay secure while using your mobile: 
• Lock your phone when not in use.Password-protect your device so that nobody else can use it or view the information.
• Call us on 600 575 556, if you have lost your phone and we will disable your mobile banking user ID and password temporarily. In case you have changed your mobile phone number, please let us know and we will update your contact details.
• Clear mobile frequently by deleting text messages from financial institutions, especially before sharing, discarding or selling your device.
• Never disclose via text message any personal information (account numbers, passwords, or other personal information) that could be used for ID theft.
• Always download apps from trusted sources.
• Keep your phone's Operating System (OS) and apps updated.
• Do not store passwords or accounts numbers on your mobile phone.
• Limit the amount of personal details or contact information that you store in your phone, as criminals may be able to retrieve them if you happen to lose your phone.
• Make a note of your phone's IMEI number (dial *#06# to get it). This makes it easier to disable a stolen phone.
• For iPhone users, never jail-break or crack the device. Activate encrypted backup in iTunes, and turn on the passcode lock for the phone.
• For Android users, never root or crack the device.
• Never use any proxy or VPN software paid/free while accessing your mobile banking and online banking. 
CBD Mobile Banking Apps use various security measures and data encryption to ensure your day to day banking is completely safe with a User ID/Password, PIN and security token  for high level transactions. Some of these security measures are:
• Personalised activation/registration process with unique one time password code
• Secure registration process using CBD Online Banking credentials
• Multilevel checks using personal password/PIN or security token
• The ability to control your beneficiaries by adding or removing utility bills, internal and external payments details through synchronisation from CBD Online Banking through receiving an OTP (one time password) notification on your mobile.
Your personal banking information can be abused by online hackers. Keep it safe from them and protect your privacy.
You can check it out at the bottom of the page under Privacy Policy and Security.
You can do this by clearing your history after every browsing session. 
Cookies are small files which are stored on a user's computer. They are designed to hold a modest amount of data specific to a particular client and website, and can be accessed either by the web server or the client computer. This allows the server to deliver a page tailored to a particular user, or the page itself can contain some script which is aware of the data in the cookie and so is able to carry information from one visit to the website (or related site) to the next. 
CBD continually invests in and implements the most advanced security measures to ensure all your online banking transactions with us are safe and confidential.
Some of the security features we use to safeguard your communications with CBD Online Banking are:
• Robust firewall intrusion detection and prevention technologies to prevent unauthorised access to the Bank’s systems.
• Security monitoring for suspicious activity.
• 2048 - Bit data encryption to keep your sensitive information, including messages sent via Secure Email, from being accessed by any unauthorised party.
• A time-out limit that automatically logs you off the system and ends your session. Please remember to log off completely from Online Banking if you’re not using your computer for a period of time.
Spyware is software that aids in gathering information about a person or organisation without their knowledge. It may then send such information to another entity without the person's consent or assert control over a computer without the person's knowledge.
Unfortunately CBD does not have control over your personal computer to protect it against spyware but good anti-virus and endpoint security solutions can sometimes detect and remove spyware programs.
Trojans are a type of computer virus which can be installed on your computer without you realising it. Fraudsters will send out emails at random to get you to click on a link in the email and visit a web site where vulnerabilities in the web browser are exploited to install the Trojan. Trojans perform actions that have not been authorised by the user, like deleting, blocking, modifying and copying data and disrupting the performance of computers or computer networks. 
Unfortunately CBD can't have control over your personal computer to protect it against Trojans but to avoid Trojans here are some measures you must consider:Keep your computer up to date with the latest patches to close down vulnerabilities in the operating system.Always run anti-spam and anti-virus software with regular updates.Enable personal firewall which can prevent Trojans from accessing the internet to make contact with the fraudsters.Be extra careful when visiting unkown sites, especially with pop-ups and requests to install "plug-ins" or unwanted software. Be careful with links and attachments sent to you by email. If in doubt, don't click.
Online security is about protecting your privacy, not just while banking but across the internet. Follow these basic tips to stay secure while online:
•Always be suspicious of unsolicited emails or calls asking you to disclose any personal details or card numbers. Please remember that CBD would never directly ask you to disclose your PIN or password information. 
• Ensure that you use up-to-date antivirus software and a personal firewall.
• Ensure that the online banking address has https:// and a secure lock icon appears at the right bottom corner of the page or next to the address in the top of the webpage.
• Do not use the “Save Password” option on your computer and change your passwords frequently.
• Always completely log off from your internet banking session.
• Do not save the internet banking webpage link or bookmark in browser favorites.
• Do not leave your computer unlocked.
• Stay updated on any banking transactions through your account with CBD SMS Banking and check your accounts and credit card statement regularly.
• Keep your One Time Password (OTP) secure.
The time-out function prevents unauthorised persons from accessing your session and data when you're away from the computer. We use it to protect your privacy.
Phishing is an attempt to acquire your financial information via email by pretending to be a trustworthy entity. This includes emails from what appears to be your bank and contains links requesting you to ‘verify your account’ or ‘confirm your billing information’. If  you reveal your password, the attacker can access and use your account . 
Steps that you can take when you have been impersonated:
• Report the matter to the UAE Police and open a case of identity fraud.
• Check your credit profile at the credit bureau to find out whether any credit enquiries have been done by companies whom you have not dealt with and confirm the account you have on your profile
• Report the matter to all companies where you have been impersonated and each company needs to conduct a victim impersonation investigation.
Fraudsters attempt to steal your personal information to use for illegal purposes like opening bank account, taking out loans, running up huge debts without paying, etc.
Fraudsters steal wallets and purses containing identity documents, credit and bank cards as well as mails which include bank and credit card statements. They may also rummage through your dustbins looking for documents containing personal information or intercept personal information and shared on the Internet. Lastly, an identity thief can simply stand next to you and watch as you complete personal information on a form. 
There are many different and diverse types of online threats and most common one is phishing - an attempt to acquire your financial information via email by pretending to be a trustworthy entity. This includes emails from what appears to be your bank and contains links requesting you to ‘verify your account’ or ‘confirm your billing information’.
Other threats can be Vishing, Smishing (SMS phishing), Spoofing, Malware, etc. 
Suspicious emails, especially those containing web links or attachment should be treated with extra care. Avoid clicking or opening attachments from unknown sources or in any suspicious emails.
Any email or written communication received by you, which appears to have been sent from CBD seeking your personal or confidential information, should not be answered but advised immediately to CBD via email to whistleblower@cbd.ae.  
CBD will never request you to disclose your account number, Credit Card information, User ID ,Personal Identification Number (PIN), Telephone Identification Number (TIN), Password or any such information through emails. 

Please follow below tips to avoid becoming a victim of a phishing scam while using CBD online services :
• Do not disclose your Online Banking User ID and Password to anybody; we will never ask you for this information under any circumstances.
• Always access CBD Online Banking by typing the correct URL (https://www.cbd.ae) into your browser. Never click on a link in an email to take you to a website or enter personal sensitive details either in the email or website.
• Ensure that the online banking address has https:// and a secure lock icon appears at the right bottom corner of the page or next to the address in the top of the webpage.
• Do not use the “Save Password” option on your computer.
• Change passwords frequently.
• Do not save the internet banking webpage link or bookmark in browser favorites.
• Do not leave your computer unlocked.
• Stay updated on any banking transactions through your account with CBD SMS Banking.
We're committed to protecting your privacy and safeguarding your financial information. Our Privacy Policy describes how we keep this commitment. For more information about our commitment to securing your personal information, you can read our Privacy Policy
Choose the channel that suits you to change or reset credit card PIN:
• Online: Go to Accounts page and select the card which you want to change or reset the PIN for. Enter your PIN, confirm it and click on Continue to input OTP (one time password) sent to your registered mobile number
• SMS: Send to 4266: CPIN<space> <last 4 digits of credit card number> <space> 4 digit new PIN from your primary mobile number registered with CBD.  
• Call: Call us on 600 575 556 and select option 4 for card activation and PIN selection
No. Whether you sign or use your PIN, there is no difference in what you are charged and the purchase amount will be deducted from your credit limit. 
Yes, you have the option to of choosing the same 4 digit number you had or choosing a new number, as per your convenience.

All cards will be couriered. The courier company will contact you on your registered mobile number and you will receive the card at a location of your convenience.

For existing customers the new card will be issued if:

  1. The card is renewed as the old card is expiring
  2. One of the customer’s card under his account is renewed/replaced, then the rest of the cards of the customer will also get automatically renewed.

New customers will get the Chip & Pin card by default.

If you realize that your card is missing or if you notice any fraudulent transactions, please contact the bank immediately on 600 575 556 and register a complaint.
For precautionary reasons, avoid selecting a PIN which can be easily guessed. Avoid using 4 zeroes, 1234 or using your date of birth as the PIN. We recommend that you use a different PIN for each of your cards.
Your current Credit Card will stop working after you activate your new Chip & Pin credit card. However it is advisable that you destroy your card immediately (by cutting through the magnetic stripe immediately upon activation of your new card).

Upon receipt of your Chip & Pin Credit Card, you may set your PIN using any of the below mentioned options:

  • You can set up your PIN through Online Banking. Go to Services page, Online Settings and choose Set up Debit Card PIN from Request Type drop down menu. Enter your PIN, confirm it click on Continue to input OTP (one time password) sent to your registered mobile number.
  • SMS to 4266: CPIN<space> <last 4 digits of credit card number> <space> 4 digit PIN of your choice from your primary mobile number registered with CBD. 
  • Call 600 575 556 and select option 4 for card activation and PIN selection

To activate your new CBD Chip & Pin Credit Card, you can do any of the following:

  • Online Banking: Visit the Accounts page – Credit  Cards and click on the ‘Activate’ button visible against the card. Enter OTP (one time password) sent to your number that is registered with us and submit the activation request.
  • Call 600 575 556 and select option 4 for card activation and PIN services ( TPIN is needed)
  • SMS to 4266: CACT<space> <last 4 digits of credit card number> from your primary mobile number registered with CBD. 
Chip cards require a PIN to enable use of the card. For example, you will have to key in your PIN when you make purchases at participating retailers who use Chip and PIN terminals.
It is a more secure way to authorize your transactions as your card is embedded with a microchip which makes it difficult to duplicate the card. You will be required to enter your Personal Identification Number (PIN) which is only known to you, making your purchases more secure.
Chip & Pin Card contains a small embedded microchip, which encrypts your account information, making it difficult to duplicate. You will be required to enter your Personal Identification Number (PIN) for transactions on Chip enabled Terminals, making your purchases more secure.

The minimum premium is as follows:

  • Monthly: AED 250 / USD 70
  • Quarterly: AED 950 / USD 260
  • Half Yearly: AED 1,750 / USD 480
  • Yearly: AED 3,000 / USD 820
Assignment of EduCare policy is possible. Life Assured will need to let Orient know.
Multiple beneficiaries can be nominated. Beneficiaries can also be changed at any point during the term of the policy.
Worldwide - you are covered no matter where you go.
This is 90 days from the last premium due date.
It is 21 days from the policy issue date.
After the policy acquires a Cash Value.
It is allowed 2 years after commencement of the policy. However, please keep in mind, it also depends on the terms of the policy.
On the event of death or establishment of permanent total disability of life assured.
Once declared, it will be payable on death or maturity.
EduCare is offered in USD and AED.
You are sure to get the 100% of the Sum Assured + Guaranteed Bonus (1% x Sum Assured x Term) + Terminal Bonus.
The insurance provider will continue to pay all the remaining premiums until maturity. Upon death of the policy holder, 1% of the Sum Assured will be paid to the family on a monthly basis until maturity of the original plan.
The benefits include: financial protection against any unforeseen event with family income benefits, waiver of premium, guaranteed sum assured, 1% annual guaranteed bonus on sum assured, annual reversionary bonus as declared by the insurance company and a terminal bonus as declared by the insurance company. 
It is a great saving plan for your child's education giving guaranteed returns at maturity which is bundled with life insurance, waiver of premium and family income benefits. Learn more about EduCare.
The EduCare Insurance plan will give you the following on maturity: 100% Sum Assured + (Guaranteed bonus 1% of Sum Assured x Tenor) + Reversionary Bonus (as declared by Orient) + Terminal Bonus (as declared by Orient).
Third party payments are allowed. However the payment needs to carried out through a CBD account of the said third party.
You can change the premium contribution schedule as per your convenience during the plan term.
You can make them monthly, quarterly, half yearly or yearly.
A minimum term of 5 years and maximum of 30 years.
If you are a CBD customer with a valid UAE/GCC residence visa between the ages of 18-65, you are eligible.
You can cancel the insurance plan by calling us at 600 575 556. Please note that if you  cancel the benefits under the Credit Shield plan, you cannot re-enter during that policy year. Moreover, in case of one month’s missed credit card payment, you will automatically be dis-enrolled from the plan.
Once you enroll for Credit Shield, your subscription will be automatically renewed for a monthly fee of 1% of your monthly credit card total outstanding balance.

In the unfortunate event of:
Permanent Total Disability (PTD): Your total outstanding credit card balance on the date of permanent total disability onset up to AED 100,000 will be settled (after 12 consecutive months of disability).
Critical Illness: Your total outstanding credit card balance on the date of diagnosis up to AED 50,000 will be settled.
Involuntary Loss of Employment (ILOE): A monthly amount of 10% of your outstanding credit card balance (up to AED 3,000 per month) will be paid for up to 6 months.

To apply for credit shield you need to be CBD primary cardholder with valid UAE visa/UAE Nationality, holding a valid Emirates ID and actively pursuing employment.

Asides from being covered throughout the world, other EduCare features include:

  • A policy term of 5 to 30 years availability in AED and USD.
  • An option to select multiple policies.
  • Flexible payment options: Monthly, Quarterly, Half Yearly or Yearly.
  • The option of paying the Premium amount directly by debiting your CBD Account or from your CBD Credit Card.
You can apply for the Credit Shield benefit through CBD mobile app or contact us at 
600 575 556
You can pay it directly through your CBD Account or from your CBD Credit Card.
One of the great features of this policy is the option to select multiple policies.

You can avail any of the following optional riders at minimal cost:

  • Accidental death benefit
  • Permanent total disability (accident sickness)
  • Permanent total disability (accident)
  • Passive war risk
Credit Shield is an insurance plan that covers your credit card payments in case of unfortunate events like disability, critical illness or unexpected lost of employment.

All transfers are available 24/7, except for foreign currency transfers to your own CBD accounts or to other CBD accounts. They are not available during weekends (from 3:30 pm on Thursday to 8:00 am on Saturday) and on public holidays. Foreign currency transfers to other UAE banks and International transfer, are available 24/7.

Yes, you can keep Step-Up deposit as lien for availing secured lending. Lien can be created on Step UP Deposit. However the tenor for lien cannot be longer than that of Step Deposit maturity, since the auto renewal facility for Step-Up Deposit is not available. Please contact our call center 600 575 556 for exact interest rate applied on secured lending.
All Devices compatible with the Health ​Kit on iOS can be used, including Apple Watch.
You need to download the Active Saver App, register and open a Active Saver account. ​Once your Apple Watch is synced with your device you can ​start using the App.
Yes, you can transfer from your linked account to your Active Saver account using Apple Watch.
Under SIM swap fraud, fraudsters manage to get a new SIM card issued against your registered mobile number through the mobile service provider. With the help of this new SIM card, they get One Time Password (OTP) and alerts, required for making financial transactions through your bank accounts.
Step 1 : Fraudsters gather customer's personal information through Phishing, Vishing, Smishing or any other means.
Step 2 : They then approach the mobile operator and get the SIM blocked. After this they visit the mobile operator's retail outlet with the fake ID proof, posing as the customer.
Step 3 : The mobile operator deactivates the genuine SIM card and issues a new one to the fraudster.
Step 4 : Fraudster then generates One Time Password (OTP) required to facilitate transaction, using the stolen banking information. This OTP is received on the new SIM held by the fraudster.
If your mobile number has stopped working for a longer then usual period, enquire with your mobile operator to make sure you haven't fallen victim to the Scam.
Register for SMS and any other alert mechanism available to stay informed about the activities in your bank account.
Regularly check your bank statements and transaction history for any irregularities.

To apply for Step-Up deposit:

  • You should be UAE national or UAE resident.
  • You should be at least 18 years old.
  • You will also need valid passport, residence visa and Emirates ID.
No, you can't top-up existing Step-Up deposit, but you can always open a new Step-Up deposit account.
Step-Up Deposit is available in AED only.
You are eligible for interest in case of pre matured withdrawal, however you will earn pre matured withdrawal penal rates as below:

Tenor

Interest Rate p.a

Pre-Matured Withdrawal Penal Rate p.a

0-180 days

0.70%

0.70%

181-270 days

0.80%

0.70%

271-360 days

1.00%

0.80%

361-450 days

1.1%

1.00%

451-540 days

1.20%

1.1%

541-630 days

1.30%

1.20%

631-720 days

1.40%

1.30%


You can earn up to 1.4%. The longer you save, the higher interest you earn:

Tenor

Interest Rate p.a

0-180 days

0.70%

181-270 days

0.80%

271-360 days

1.00%

361-450 days

1.1%

451-540 days

1.20%

541-630 days

1.30%

631-720 days

1.40%


Step-Up deposit has a fixed tenor of 720 days.
You will need a minimum of AED 10,000 for Step-Up deposit and there is no maximum deposit amount.
Step-Up Deposit is a time deposit that accelerates interest rate with the tenor, so the longer you save, the higher interest you earn.
The Active Saver app is the first step in the right direction towards maintaining an active and healthy lifestyle. We encourage all our customers to adopt a healthy lifestyle. There are a range of healthy eating options around the country to help you get on the right track. We also offer special insurance premium rates for all our Active Saver customers with our CritiCare and WomenCare Insurance Plans to make the most of your account.
If you card is lost or stolen, call us immediately on 600 575 556 if within UAE or +971 600 575 556 from outside UAE.
Please note that you can visit one of the following branches to replace your debit card instantly: Attijari Al Islami Main BranchMain BranchBaniyas BranchAl Maktoum Branch and Electra Main Branch
If this is a replacement card, please destroy your existing card securely by cutting through the magnetic stripe to avoid misuse. Should you have any enquiries, please call the number mentioned on the back of your card.
As a primary cardholder, you will be required to activate all supplementary cards issued on your account and set the required PIN(s).
You will be required to set a PIN for the newly issued credit card. However, you have the option to choose the same 4 digit number you had or choosing a new number, as per your convenience.
  • SMS CPIN + last 4 digits of your credit card number + PIN of your choise to 4266 (e.g. CPIN 1234 5678) from your registered mobile number. OR
  • Call 600 575 556 and follow the instructions on IVR or speak to one of our Phone Banking representatives.
  • SMS CACT along with the last 4 digits of your credit card number to 4266 (e.g. CACT 1234) from your registered mobile number. OR
  • Call 600 575 556 and follow the instructions on IVR or speak to one of our Phone Banking representatives
Your CBD Visa credit card has a smart microchip which requires your card to be inserted into a point-of-sales machine, where you will be required to enter your personal 4-digit PIN, to complete your transaction smoothly and safely.
You will be required to submit the Policy Document, Passport, Visa Copy, Claim Form, Medical Certificates establishing the cancer supported by investigative and diagnostic reports as well as other documents as may be required by the Company. The Medical Certificates need to be notarized and attested by the authorized Ministry of the Country of Origin, UAE Embassy / Consulate in the country of origin and Ministry of Foreign Affairs, UAE.
Policy Document, Passport, Visa Copy, Claim Form, Medical Certificates establishing the cancer supported by investigative and diagnostic reports as well as other documents as may be required by the company.
If none of the cancers specified in the policy are diagnosed during the policy term, nothing will be paid on maturity. 
Since the plan term for WomenCare is 5 years, your premiums will stay same during the term of the plan.
The plan has a fixed term of 5 years.
Payment of premium may be made on an Annual basis.

The Sum Assured will be paid to the Life Assured as a lump sum on diagnosis of any one of the 7 illnesses as per the definitions given. The diagnosis should have been made 90 days after the date of commencement of the policy or the Last reinstatement date. The Life Assured should survive for a minimum period of 28 days from the date of diagnosis to be eligible to receive the payment. 

No benefit will be paid to the nominee / Life Assured in case of any other scenario like death of the Life Assured due to natural causes, accident, etc.
Breast cancer, ovarian cancer, cancer in the Fallopian tubes, cervical cancer, genito urinary cancer (including uterine cancer, bladder or urethra and kidneys), colorectal cancer and lung cancer.

No. You can participate in the plan without a medical examination. If you make a claim, Insurance Company may ask you to attend one.

All CBD female customers with valid UAE residence visa, falling within the prescribed age limits and not having diagnosed with cancer or malignant cell abnormalities in any part of the body before, are eligible to participate in the plan.

Just Login to Online Banking, go to Bill Payment page and click on Direct Debit. Click on Setup New DD, fill the required fields, accept Terms and Conditions and click on Submit.

The process of setting up the Direct Debit takes 1-2 days. You will receive an SMS confirmation on your registered mobile number once Direct Debit is activated.

At the time of the Direct Debit setup, you may choose how long you want the Direct Debit to be active. You are required to choose an end date. 

For utility bill payments you may choose a variable amount range. Please note that the utility bill will only be paid if the bill is within the range prescribed by you. If the amount is outside the range, the payment will be rejected. 

The payment will be rejected if it falls outside the range that has been selected.      

Correct the details mentioned in rejected message received and set up a new Direct Debit. If the same error is shown again, kindly call 600 575 556.

Your Direct Debit will be stopped permanently.

Login to Online Banking, go to Bill Payment page and click on Direct Debit. Click on Manage Direct Debit, choose the required Direct Debit from the Direct Debit list, and click on Edit button.

There are no charges for cancellation. If the Direct Debit is returned from the account without payment, a charge of AED 100 is charged to your account.

It will take one to two business days for a cancellation to be in effect. You will receive a message from us once the cancellation has been done. 

After Direct Debit becomes active, payment will commence from the ‘First execution date’ given during Direct Debit registration/modification.

To view Direct Debit charges please click here.

From the time Direct Debit is active and the first execution date has crossed, payment will continue until:

  • Direct Debit expiry date is reached
  • Direct Debit is cancelled                            
  • Stop Payment is issued. 
Login to Online Banking, go to Bill Payment page and click on Direct Debit. Click on Manage Direct Debit, choose the required Direct Debit from the Direct Debit list, and click on Cancel button.
  • Stop ​Direct Debit will stop the payment for a specific time frame. This is a temporary measure. 
  • Cancellation will permanently stop the ​Direct Debit. 
Just Login to Online Banking, go to Bill Payment page and click on Direct Debit. Click on Manage Direct Debit, choose the required Direct Debit from the Direct Debit list, click on Stop button and enter the date period that you want to stop your Direct Debit.

One Time Password will be sent to your registered mobile number to authenticate the setup & management of the Direct Debit.

CBD IIP can be set up for any CBD account holder other than US Citizens.

The CBD IIP invests in across different asset classes and is not capital guaranteed. Your portfolio is advised and powered by Morningstar, the leading independent fund research company in the world, and we recommend a three year period for optimum performance.

Monthly debits appear in your bank statement for the selected account. We will provide you a detailed portfolio every six months. Also, you can check your monthly debit in your account statement.

Yes, you can borrow up to 50% of the market value of your portfolio.

No! CBD IIP is an unconstrained non-contractually binding IIP. However we recommend three years for optimum performance.

You can withdraw any amount, anytime from your CBD IIP and there is no charge applied for withdrawing or closing the plan.

You can withdraw any amount, anytime from your CBD IIP and there is no withdrawal charge applied.

No! The plan does not lapse. The auto debit will re-attempt to debit your selected account during next six days and resume next month as per plan.

Once you identify the portfolio based upon your individual risk profiling assessment, the CBD IIP can be set up from any of your accounts in CBD.

CBD IIP is a method of investing a fixed sum, regularly, in a portfolio. CBD IIP allows an investor to buy units regularly on a specific date of the month. This will help in building wealth in the long term.

While registering you can select the iPhone Health Kit icon to link your activity in the Active Saver App. You  can always switch to other fitness device or to iPhone Health Kit App through Settings section.

It is a digital savings account that offers competitive interest rates with the convenience of digital banking channels. You can open this account through our online application only and operate it through CBD online banking, mobile banking or ATM/CDM machines.

To apply for Esaver account you should be UAE National or UAE resident and you should be at least 18 years old. You will also need valid passport, residence visa and Emirates ID, in case it is not up to date in our records.
It's easy and convenient! If you are a CBD customer, simply visit CBD Online Banking and apply online. If you are not a CBD customer, have your passport, residence visa and Emirates ID ready and apply here.

Keeping a monthly minimum balance is not required for ​Esaver account.

Monthly Average Balance

Interest rate % (p.a.)*

AED 0 – AED 24,999

0.25%

AED 25,000 – AED 99,999

0.75%

AED 100,000 – AED 999,999

1.00%

AED 1,000,000 – AED 4,999,999

1.50%

=>AED 5,000,000

0.10%

 *If maximum withdrawal per month does not exceed permissible limit.






Interest will be accrued on monthly average balance and paid at the end of the month. Monthly average balance will be broken into slabs. For example, if monthly average balance is AED 999,999, it will be broken into three slabs:

Monthly Average Balance slabs

Interest rate % p.a.

AED 0 – AED 24,999

​0.25%

AED 25,000 – AED 99,999

0.​75%

AED 100,000– AED 999,999

​1.00%

 

 

 

​Esaver account is available in AED only.

One of the features of ​Esaver account is withdrawal limitation to encourage you to save more and earn interest. However, you can make up to three debit transactions ( transfers, payments, etc.) per month. You can make more debit transactions but it will result in loss of interest for the month.

Please follow these steps if you think that any of the information in your Credit Report is not correct:

  1. Visit Al Etihad Credit Bureau to register a dispute.
  2. The Al Etihad Credit Bureau Customer Service Representative will raise a dispute flag in the system.
  3. The Al Etihad Credit Bureau Data Management Team verifies the dispute with the concerned credit providers within a maximum of 20 working days.
  4. The Al Etihad Credit Bureau Customer Service Representative contacts the customer and provides feedback regarding the dispute.

The required Supporting Documents for an Information Dispute for individuals are:

  1. The original valid Emirates ID card of the customer.
  2. In the case of authorization, please bring the following:
    • A copy of valid Emirates ID card of the customer (owner of the Credit Report).
    • The original and valid Emirates ID card of the authorized person to file a dispute.
    • Original notarized Power of Attorney acceptable to the Al Etihad Credit Bureau or an authorization letter that includes authentication of the customer’s signature from the bank.
  3. Fill in a dispute form (available online) and attach the following documents:
    • A valid Credit Report (recent).
    • All documents that support the validity of the customer dispute.

Al Etihad Credit Bureau will follow up your dispute in coordination with the lending institution that provided the data to ensure their validity. The Customer Service Representative will contact customers to provide them with feedback on their dispute within a maximum of 20 working days.

The Al Etihad Credit Bureau will not correct or change the data contained in the Credit Report as, according to the Law, it is the responsibility of the credit providers to take the necessary action in case inaccurate data is discovered.

To obtain a Credit Report, you should visit the Customer Service Centre at Al Etihad Credit Bureau and apply for a Credit Report. For individuals, the required supporting documents to obtain a Credit Report are:

  1. The original Emirates ID card of the Applicant.
  2. Passport copy of the Applicant.
  3. In the case of Authorization, one must bring the following:
    • A copy of valid Emirates ID card and passport of the customer (owner of the Credit Report).
    • The original Emirates ID card of the authorized person.
    • Original notarized Power of Attorney acceptable to the Al Etihad Credit Bureau or an Authorization Letter that includes authentication of the customer's signature, from the bank.
    • Credit Report Consent Form (available online) duly filled in.

Yes, you are entitled to purchase your own Report by visiting the Customer Service Centers at Al Etihad Credit Bureau.

No. Al Etihad Credit Bureau will be collecting information on individuals’ credit applications, payment behaviour and debt records from all UAE lending institutions and other organizations, such as utilities, telecommunications companies, government etc.

Al Etihad Credit Bureau is not a decision maker. Banks and financial institutions (credit providers) are the decision makers and first point of contact for any loan or credit applications.

Information confidentiality and data protection is of utmost importance to the Al Etihad Credit Bureau. Information will be kept confidential as per the laws and regulations of the UAE.

There is a fee for individuals and companies to purchase their reports. Please visit the Al Etihad Credit Bureau website www.aecb.gov.ae for details.

Consumers and companies can dispute data presented in their Credit Report in any of Al Etihad Credit Bureau’s customer service locations, if they can prove that it is incorrect by providing supporting documents. For disputes, please visit the dispute web page in the Al Etihad Credit Bureau website: www.aecb.gov.ae

You can request closure of the Active Saver account through CBD Branches only. Please, ensure your consent is provided to CBD branch staff for transferring available balance from Active Saver to linked current or savings account. Alternatively, use CBD Online Banking to transfer funds from Active Saver to linked current or savings account, prior to submitting closure request. Only when available balance in Active Saver is zero/NIL, it can be closed.
No. You will not get debit card or chequebook with the Active Saver account.
You can withdraw only through CBD Online Banking and transfer the funds from your Active Saver account to any other account.
You can deposit money only from the Active Saver App from current or savings account linked to your Active Saver App.
Active Saver App offers very attractive interest rates. Prevailing interest rates on a monthly average balance is as below:
Amount Interest Rates % p.a.
AED 0 - 24,999 0.25%
AED 25,000 - ​99,999 0.50%
AED 100,000 – 999,999 0.75%
AED 1,000,000.01 – 4,999,999 1.50%
More than AED 5 Million 0.20%
Interest will be accrued on monthly average balance and paid at the end of the month. It will be calculated based on the monthly average balance broken into slabs as above.
Illustration: If monthly average balance is AED 999,999, interest will be paid as per below:
Amount Interest Rates % p.a.
AED 0 - 24,999 0.25%
AED 25,000 - 99,999 0.​50%
AED 100,000 - 999,999 0.75%
To earn high interest rates and achieve the goals set by CBD, you need to walk below steps to unlock higher interest rates:
Goals Steps Required Per Transaction Limit Daily Transaction Limit
01 5,000 AED 500 AED 3,000
02 7,500 AED 1,000 AED 3,000
03 10,000 AED 1,500 AED 3,000
04 12,500 AED 2,000 AED 3,000
05 15,000 AED 3,000 AED 3,000

Once you complete these goals, we will be adding for you new challenges on a weekly basis.

Active Saver Accounts are offered in AED only.
In order to sync your activities, you need to link the fitness device or iPhone Health Kit with the Active Saver App. Once you have linked your device/iPhone Health Kit, the synching of your activities is an automated process which is done once a day by CBD.
Please note: when you connect the fitness device or iPhone Health Kit with the app for the first time, only then the steps will start syncing with the App.
The amounts you can transfer depend on the steps you walk. The minimum amount you can transfer is AED10, while the maximum is AED3000. Please note that you can transfer in multiples of AED10.
You need to walk a minimum of 5000 steps to reach your first goal and start saving. As you start walking more, you will earn higher interest rates.
This App supports all Android devices and iPhone with iOS 8.0 and above.
Yes. You can use the Health Kit app on your iPhone.
Very simple! Enter your device username and password in the Active Saver App during setup process and you are ready to step and save. You can always switch to a different fitness device or to iPhone Health Kit App through Settings.
Currently, the App supports Fitbit and Jawbone devices. It also supports iPhone Health Kit App.
You will need to download the App from App Store or Google Play Store and register it using your mobile number registered with CBD. If you are not a CBD customer, you can still use this app for one month trial period.
Step 1: Download and install the Active Saver App from App Store or Google Play Store.
Step 2: Once you start the Active Saver App, enter your mobile number to activate Active Saver App (if you are existing CBD customer, please use your registered mobile number with CBD).
Step 3: You will now need to link your fitness device (Jawbone or Fitbit) with the App by using your fitness device credentials. If you don't have a  fitness device, you can link your iPhone Health Kit App with Active Saver App.
Please note: You  need to download and install the fitness tracker App (Jawbone or Fitbit) before linking fitness device with Active Saver App.
The Active Saver App is secured and no information from the App can be misused. Also, note that you cannot transfer any amount to other accounts using the App. Please Note: in case of your mobile being lost, immediately call 600 575 556 to de-activate the App.
We at CBD employ a high level of security and monitoring technology for our users. We also strongly recommend that you do not share your login and account information with anyone to avoid any misuse of the App. We have set respective transaction limits for all your transactions to prevent any fraudulent usage of your money.
The app only reads your personal information from your CBD account. The App does not store any personal or critical information on your mobile.
If you are already an existing CBD customer you just need to link your current or savings account to the App to start saving. In case you are not a CBD customer you can use the App for one month trial period. After that, you need to open an account with CBD. Apply Now.
Yes, you can use the fully functional app for one month trial period. If you wish to continue to use the App, you need to open an account with CBD and continue saving with the Active Saver App. Apply Now.
You can only use it for 30 day tr​ial period, but you need to be UAE resident to open Active Saver account.
No, there are no charges to use the App.
Nobody likes to save. We offer a simple and effective way to save in a healthy way. Just start walking and see how your savings grow. The more you walk the higher interest rate you earn.
Active Saver App is a Savings Account designed to encourage you to remain healthy by performing physical exercise and save money to earn attractive interest rate on eligible average balance.

Absolutely! You can apply in any of our branches. 

You will receive OTP (one time password) on your registered mobile number with CBD.

It is applicable only for IPOs through Dubai Financial Market. 

Yes, you can by entering their National Investor Number (NIN).

The maximum limit is AED 25 million. For applications above this amount, please contact your Relationship Manager or visit any of our branches.

You need to be registered for CBD Online Banking and you need to have National Investor Number (NIN) registered through Dubai Financial Market. 

For partially successful and wholly unsuccessful applications, the application money (or part thereof) will be credited back directly to your selected debited account within the days specified in the respective Prospectus/Offering Memorandum. 
The status of your application will be available in CBD online banking, under History.

No, once you submit the eIPO application, we will start processing it and you cannot amend or cancel your application.
The amount will only be debited from your chosen CBD account if the application has been successfully submitted and a reference number has been provided.
Yes, it is a round-the-clock service and you can submit your application online for the particular IPO anytime within the specified CBD IPO Services offering period.
With CBD eIPO Service, you can choose to debit the money from any of your  CBD current or savings accounts.

CBD eIPO Service allows you to invest in DFM IPO’s directly through CBD online banking. 

Over-subscribing to an IPO
In some cases, IPOs may be oversubscribed. The company may go through a balloting/allocation process to determine whether an investor will receive any shares and if so, in what quantity. An investor may be tempted to subscribe for a greater quantity than he intended to, believing that he will not receive the full amount in case of over-subscription. However if the IPO is not oversubscribed, the investor will receive all the quantity applied for and will have to pay the full cost.

Market risk
There is a risk that the company's share price will drop below its initial IPO price, once the company's shares trading (on the stock market or otherwise) commences. Shares prices will fluctuate over time.

Company risk
It is vital to understand the company and the business you are investing in. Thoroughly study the prospectus, financial reports and even seek professional advice before you make investment decisions.

IPO stands for Initial Public Offering. It is the first time a company issues securities/shares to investors. The newly issued securities/shares may be listed on a stock exchange. 

Yes, you can. Quick pay will alert you before the payment date for any scheduled payment.
At CBD we take all the required measures to ensure the safety of your application. During the registration process for Quick Pay, you will be asked to set-up a passcode. Please ensure that this passcode is not shared with anyone else.
SMS QUICKPAY to 4266 to receive the download link or download it from Google Play and Apple iTunes Store by searching for CBD Quickpay.

It is a mobile application which you can use to:

  • Pay your utility and credit card bills 
  • Add new bills quickly and easily
  • Keep track of your pending bills
To add beneficiary, select the Manage Beneficiaries from the slider menu from the application and add the beneficiary details such as account number and other details on the new beneficiary screen. To delete beneficiary, go to slider menu and select Manage Beneficiaries. Slide the beneficiary box to view the Edit/Delete buttons on the screen.
SMS EASYTRF to 4266 to receive the download link or download it from Google Play and Apple iTunes Store by searching for CBD Easy Transfer.

It is a mobile application which you can use to:

  • Transfer money to your CBD accounts and to other CBD accounts
  • Transfer funds to other banks accounts, within UAE and internationally
  • Schedule transfers and view transfer history
  • View, add, edit and delete your beneficiaries
  • One time fund transfer without saving beneficiaries
You can use Fast Balance application from anywhere in the world. Once the application is downloaded and activated on your phone, it is independent of service providers. All you need is any active internet connection.
At CBD we take all the required measures to ensure the safety of your application. During the registration process for Fast Balance, you will be asked to set-up a passcode. Please ensure that this passcode is not shared with anyone else.
SMS FASTBAL to 4266 to receive the download link or download it from Google Play and Apple iTunes Store by searching for CBD Fast Balance.

It's a mobile application which you can use to:

  • Check your account balance on the go
  • Get regular updates on your accounts
  • View mini statements and your current statements
  • View and redeem your Attijari Reward Points for Skywards Miles or cashback
  • Set up a Money Meter to track your available balance 
In this case, simply call 800 CBD (223) to update your information accordingly. You can still access the application using your User ID and password.
As there is no financially sensitive information stored on the phone, nobody will be able to access your accounts without your unique user ID and password. We recommend that you never store your credentials on the phone memory. We also recommend that if your mobile phone has been lost or stolen, or your credentials has been compromised, please contact us on 800 CBD (223) to disable your user ID and password temporarily.
You can re-download and install the application again on your new mobile phone and continue using it with the same user ID and password.
Yes absolutely! You can have this application running on multiple devices/phones using the same user ID and password.
None at all! The web version is simply designed for customers whose phones do not support the application version, or those who don’t wish to download and install the application on their mobile phones.
To maintain security, your account details are not stored on mobile devices.
We take your security very seriously and go to great lengths to ensure that your Mobile Banking experience remains highly secure.
We know it's a pain to remember too many passwords, so yes, you have to use the same CBD Online Banking credentials for the CBD Mobile App.
It's completely free of charge!

With Mobile App, many of your banking solutions are literally at your fingertips! A few of the features and benefits include:

  • Keep better track of your bank account activities and view your transactions
  • Transfer funds between your accounts, to other CBD accounts or external accounts
  • Pay your utility bills: Etisalat, DU, DEWA, SEWA, FEWA, SALIK and DED
  • Locate CBD Branches and ATMs
  • Stay updated on our latest products, services and promotions
You definitely can! Use the CBD Mobile App anywhere in the world as long as you've got an internet connection or a data roaming package with your service provider on your device.
CBD Mobile App is compatible with three major platforms: Apple, Blackberry, and Android. In addition, there is a mobile web version which allows you to access your CBD Mobile App on all other internet enabled phones. You can access the CBD Mobile web version by typing the following URL into your mobile browser (https://www.cbd.ae/mobile).
There is no registration process required. Please login using your CBD Online Banking credentials.
For CBD Mobile App SMS MOBILE to 4266 to receive the download link or download CBD Mobile App from Google Play or Apple iTunes Store by searching for CBD Mobile.
CBD Mobile Banking is a convenient service that allows you to carry out banking transactions anytime, from anywhere through your mobile device. You can view your account information, make transactions and pay your utility bills easily and securely.
It is a letter that your employer will issue addressed to CBD. STL is a commitment by your employer to CBD that your salary will continue to be credited in your designated account with CBD till the time you have fully re-paid the CBD Personal Loan. The letter will also include other terms as agreed between your employer and CBD. This letter must be prepared on your employer’s letter head, in a format that is approved by CBD and shall be duly signed by authorised signatories as designated by your employers and as notified to CBD.
Subject to approval by CBD, it is possible to include your employer into CBD approved list of employers. Please contact our call centre 600 575 556 to arrange for a visit of our Personal Loan advisor who will guide you on this.
If your employer is a CBD approved employer and if you are currently a confirmed employee, you can avail a CBD Personal Loan.

Yes, if you are eligible as per Central Bank’s stipulated guidelines and as per CBD internal credit policy, CBD can buy out your existing loan from the other Bank. Not only that, if your eligibility permits, we can top up your loan as well. In this situation, you may want to note the following select terms:

Subject to approval of your CBD loan application, your total applied loan amount (outstanding with other bank as well as top-up amount) will be booked to your loan account. CBD will issue manager’s cheque for settling outstanding amount with the other bank and top up amount will be credited to customer’s account, a hold may be placed on such amount. The hold placed on the top-up amount will not allow customer to use this money till the time customer will submit to CBD, all required documents or till complying with any conditions stipulated by CBD.

It is important to note that even though top-up amount is kept under hold, interest is charged on the total amount including top-up amount that is kept on hold as explained above.

Also the monthly installment will be calculated basis the total approved/disbursed loan amount with agreed interest charged thereof. Any applicable charges and dues will also be calculated on the total approved / disbursed loan amount including top-up amount that is kept on hold and not accessible by the customer as explained above.

Therefore it is recommended by CBD to all customers availing buyout plus top-up Personal loans from CBD, to submit all required documents without any delay, preferably soon after loan is disbursed, in order to allow CBD to remove hold on top-up amount and for customers to enjoy access to top-up loan amount.

Subject to approval of your CBD loan application, if you already have an existing CBD Personal Loan, and if your eligibility permits to borrow more loan amount, CBD will top-up your existing loan as per eligibility.
Maximum permissible DBR is 50%, as stipulated by the Central Bank and 30% for pensioners. Debt burden ratio is the ratio of total monthly installment/commitments of credit card, loans or any other committed monthly repayments to the total income of an individual.
CBD Personal Loan interest rates will start from 5.50% reducing per annum. Interest rate is calculated based on individual profile such as monthly salary, employer, loan amount, your existing debt and other credit parameters. Please contact our call centre 600 575 556 for exact interest rate eligibility which depends on the Bank’s internal policy.
48 Months, as stipulated by the Central Bank and 60 months for pensioners from Armed forces.
Maximum loan amount is 20 multiples of your monthly salary or up to AED 2.5 million for UAE Nationals, up to AED 1.5 million for Armed forces, up to AED 1 million for pensioners and up to AED 750 thousands for UAE expats residents, whichever is lower (employer to be listed to avail these amounts). Please contact our call centre 600 575 556 for exact loan amount eligibility which depends on terms stipulated by the Central Bank as well as on the Bank’s internal credit policy.
The minimum age requirements is 21 years and maximum age is 65 years at the last installment due date for UAE nationals and 60 years for expats.
Yes. For a Personal Loan it is mandatory that your monthly salary is transferred to your account with CBD.

CBD offers all types of salary transfer Personal Loans as listed below:

  • New Personal Loan
  • Top-up of existing Personal Loan
  • Buy-out / transfer of Personal Loan from other Bank (with or without topping up the loan amount)
CBD Personal Loan is a loan granted to salaried individuals whose salaries are credited to CBD. The maximum amount is 20 times the salary (15 times the salary for Armed Forces Staff). The loan is intended for personal use and to be repaid by deductions from the borrower’s salary.

The operating hours of our branches will be as below:

Dubai - Main branch, Jumeirah, Bur Dubai,  Al Qusais, Al Quoz, Jebel Ali:
8AM - 3PM (Saturday - Thursday)
Abu Dhabi - Zayed the First branch: 8AM - 3PM (Saturday-Thursday)
Al Ain Mall branch 10AM-5PM
                     
Sharjah and N. Emirates - Sharjah, Ajman, Ras Al Khaimah, Fujairah:
8AM - 3PM (Saturday-Thursday)

Baniyas branch: Temporarily closed

No, for security reasons the OTP can be used for a single transaction only.

It takes up to two working days. Please visit our nearest CBD branch to submit your request.

Yes, but please ensure that your international mobile number is registered with CBD as your primary mobile contact number.  

Yes, it will be received while roaming on your registered number with the bank.

For online transactions requiring authentication, the OTP will be sent to the primary cardholder. For supplementary you can process the transactions by answering the questions or getting it from the primary cardholder.

You will get the OTP if the merchant website supports VISA/MasterCard for online transactions & supports (VBV) verified by Visa, or MasterCard SecureCode (SC) authentication protocol. And it is usually indicated by the following images on the websites.

visa_mastercard_otp

The OTP provides an additional protection, to ensure that only you as the cardholder will have the password, and to protect the card in case of fraud cases.

No manual verification is possible, the supplementary cardholder can authenticate the transaction by entering the details of the primary cardholder.
No, for your own protection this process is required and cannot be skipped.

No, the extra security is provided absolutely free of charge.

You have up to three attempts to use the same OTP. If you enter it three times incorrectly, then a message will be displayed on your screen to inform you that your card is blocked due to maximum of attempts for invalid one-time-PIN entered. The message will advise you to contact us at 600 575 556 for assistance. 
If you do not receive an OTP within 1 minute, you can choose the alternate method of authentication by answering the questioned presented. Please note that the information provided have to be for the primary cardholder
The OTP will be sent via SMS to your mobile phone number that is registered with Commercial Bank of Dubai.

No, you do not need to register or request for the OTP service. OTP will be sent automatically to your mobile phone that is registered with CBD. The OTP is sent to you after you have filled in all your credit card details and click purchase. You will be asked to enter the OTP at CBD’s authentication page where you will need to obtain your OTP via SMS sent to the Principal cardholder’s mobile number.  

The One Time Password (OTP) is an added online authentication service provided by commercial Bank of Dubai to give you added security when conducting an online transaction at the 3D secured participating merchant’s website using your Commercial Bank of Dubai credit card. One Time Password (OTP) is a numeric code that is only valid for a one time transaction when you purchase online.
The cover is worldwide and continues subject to receipt of regular premium, customer has to inform about his new address, depending upon his new place of residence, the Insurance Company reserves the rights to revise the rates.
14 working days after receipt of all complete documents 
Terminal bonus is payable on death or maturity (if declared by Orient). 
Yes, Partial encashment is possible after the 2nd year of the policy 
Yes, multiple beneficiaries are allowed. Customer can add and change beneficiaries anytime during the policy term 
Death Certificate (attested by UAE Embassy in the country where the Death has occurred as well as Ministry of Foreign Affairs in UAE), Police Report (if necessary), Succession Certificate, Nominee Details, Death Claim Form and other documents as maybe required by the Company. 
Maturity Claim: Policy Document, Passport, Visa Copy, Deed of Assignment if it is an assigned policy. 
Death Claim: Death Certificate, Police Report (if necessary), Succession Certificate, Nominee Details, Death Claim Form and other documents as may be required by the company 
You can directly contact Orient Insurance in case a claim arises at orient.service@alfuttaim.ae or call at 00971-42531481. 
Accidental Death Rider, Permanent Partial Disability, Permanent Total Disability (Accident & Sickness), Passive War Risk and Waiver of Premium. 
90 days from the last premium due date 
After expiry of the grace period, if the policy has a cash value, it will be automatically converted to Paid Up status. 
Surrender is allowed after 2 years from commencement of policy. Depends upon the term of the policy 
Depends upon the term of the plan and the age of the customer 
100% of the Sum Assured + Accrued Bonus, without deduction of any of the payouts, which have already been paid at regular intervals by Orient. 
50% of Sum Assured + Guaranteed Bonus (1% x Term x Sum Assured) + Terminal Bonus and Annual Reversionary bonus as declared by Orient. 
You will receive fixed cash flows at regular intervals as follows: 
• 25% of Sum Assured on completion of 1/3rd of the Policy Term 
• 25% of Sum Assured on completion of 2/3rd of the Policy Term 
• 50% of Sum Assured at maturity 
Yes, third party payments are allowed, as long as the payment is done through CBD account of such third party. 
Monthly, Quarterly, Half Yearly and Annual 
Minimum: 6 years; Maximum: 30 years 
The policy coverage is valid worldwide subject to regular premium payments and excludes travel to war-torn countries in which there is a UN peacekeeping operation or any declared war zone.
If your claim is approved by the Insurance Company, your money would go to your stated beneficiary/beneficiaries. 
14 working days after receipt of all complete documents 

You will be required to submit the Policy Document, Passport, Visa Copy, Claim Form, Medical Certificates establishing the illness supported by investigative and diagnostic reports as well as other documents as may be required by the Company. The Medical Certificates need to be notarized and attested by the authorized Ministry of the Country of Origin, UAE Embassy / Consulate in the country of origin and Ministry of Foreign Affairs, UAE.

Policy Document, Passport, Visa Copy, Claim Form, Medical Certificates establishing the illness supported by investigative and diagnostic reports as well as other documents as may be required by the company. 
You can notify the Claims Department, Orient Insurance PJSC on +971 4 253 1300 for your claim settlement. 
No, this policy is not eligible for bonus. 
Yes, customer can add and change beneficiaries anytime during the policy term.
No rider can be attached to this policy. 
90 days from the earliest due date for which a premium was paid. 
No, that option is not available. 
Nothing is payable on surrender of the plan. 

The Sum Assured will be paid to the Life Assured as a lump sum on diagnosis of any one of the 37 illnesses as per the definitions given. The diagnosis should have been made 90 days after the date of commencement of the policy or the Last reinstatement date. The Life Assured should survive for a minimum period of 28 days from the date of diagnosis to be eligible to receive the payment.

No benefit will be paid to the nominee / Life Assured in case of any other scenario like death of the Life Assured due to natural causes, accident, etc. 

90 days from the policy commencement date or last reinstatement date. 
If none of the critical illnesses specified in the policy are diagnosed during the policy term, nothing will be paid on maturity. 
No. You can participate in the plan without a medical examination. If you make a claim, Insurance Company may ask you to attend one. 
Since the plan term for CritiCare is 5 years (and 10 years), your premiums will stay same during the term of the plan. 
Yes, third party payments are allowed, as long as the payment is done through CBD account of such third party. 
No, change of premium contribution schedule during the term of the plan is not allowed. 
Payment of premium may be made on an Annual basis 
The plan has a fixed term of 5 years only. 
If you card is lost or stolen, call us immediately on 600 575 556 within UAE or +971 600 575 556 from outside UAE.
As a primary cardholder, you will be required to activate all supplementary cards issued on your account and set the required PIN for each card.
Applicable for replaced cards only.

You will be required to set a PIN for the newly issued debit card. However, you have the option of retaining the old 4 digit number or choosing a new number, as per your convenience.
To create your PIN, please visit any CBD ATM or sign into CBD Online Banking or call 600 575 556 and follow instructions on IVR. Please note that CBD will never ask you for your CBD Debit Card PIN so please do not disclose this information to anyone.
You can easily activate your new card by following any of the options given below:

  • Login to CBD Online Banking and follow instructions to activate your card if you are a registered CBD Online Banking user
  • SMS ACT along with the last 4 digits of your debit card number to 4266 (e.g. ACT 1234) from your registered mobile number with CBD
  • Call 600 575 556 and follow the instructions on IVR (you will require telephone PIN) or speak to one of our customer service representatives

Your CBD Debit Card has an embedded microchip which requires your card to be inserted into a point of sales machine at the merchant side, and armed with your personal 4-digit PIN, you can then secure a smooth and most importantly, safe transaction.
1. Look for the contactless symbol when paying for small everyday purchases that are AED 300 or less.
2. Simply touch your contactless card against the reader.
3. A beep or green light shows your payment is processed.
4. Once your payment has been confirmed you will be offered a receipt.

Your CBD Mastercard  Debit Card has Contactless technology which allows you to pay for everyday essentials with following options:

  • Less than AED 100 - Tap and go without PIN
  • More than AED 100 and less than AED 300 - Tap and go with PIN
  • Above AED 300 - Chip and PIN without Tap and go

Simply tap your card on any Contactless enabled device at merchants and the amount will automatically be deducted from your account without the card ever leaving your hand. Tap, pay and go, with the benefit of knowing that even if you tap twice by mistake, you can only be charged once.

Yes, you can use your contactless card in most places worldwide - wherever you see the contactless / PayPass symbol. The transaction limit will be the equivalent of AED100 in any non-Dirham currency.
Contactless / MasterCard PayPass payment technology is a new benefit of your card which lets you pay for purchases up to AED100 and under quickly and conveniently by holding your card to a contactless terminal. You can use it wherever you see the contactless / Pay Pass symbol which is shown on the front of your card (it looks a bit like a wireless symbol) If you have a contactless / MasterCard PayPass card, you can still use it as normal for chip and PIN transactions and cash withdrawals.
Premium for the unexpired period is returned as long as:
  • No claims were made during the insurance period.
  • Policy was availed for less than eight months
  • The refund is calculated on pro rata basis
Several factors are used to estimate your insurance premium. Amongst these factors are the age of the driver, length of driving experience, claims history, location, vehicle value and type.
United Arab Emirates traffic department require a 13 month insurance certificate each time you register or renew a vehicle registration. You will be provided with a 12 months registration and given a one-month grace period to re-register the following year.
You can enjoy the AutoCare Insurance plan if you:
  • are a CBD customer
  • are a UAE resident
  • are a driver aged between 23 years old and 60 years old
  • are a driver with minimum 1 year UAE driving license or 2 years from transferable countries
  • own vehicles registered in individuals name for personal use
  • own vehicles less than 10 years old from first registration
As per the UAE guidelines, the insurer of your vehicle is required to notify the loss to TP’s insurance carrier if the estimate repair cost exceeds a pre-set amount (AED 5,000). It will take three working days for the TP’s insurer to inspect the vehicle and agree on the repair cost with the repairer. This is required to recover the expenses incurred for repairing the vehicle from the TP’s insurer and to maintain your No Claim Discount (NCD) as earlier.
The excess or deductible mentioned on your policy schedule is applicable for each separate accident / incident generating a damage for which there is no identified Third Party responsible according to the police / traffic court judgment.
Yes, but it is on a referral basis only and has to be approved by the underwriter.
NGI offers the following benefits for free with the car insurance policy:
  • Natural calamities
  • Third party property damage up to AED 2,500,000.
  • Loss of personal effects up to AED 1,000.
  • Emergency medical expenses up to AED 3,500.
  • Agency repair for brand new cars used for less than one year.
  • Oman cover
  • Off-road coverage (for all applicable vehicles).
It is the amount that you pay to the insurance company in case of a non-recoverable claim.
We recommend you to adhere to the following instructions immediately after an accident:
  • A police report is required by the UAE law in order to make a claim. Therefore, contact the traffic police and wait for the police to attend to the accident scene.
  • Ensure that you do not block the traffic to avoid any penalty imposed by the police.
  • In case of bodily injury to the driver and/or passengers and damage to any of the personal items placed in the vehicle, you must inform the police and have it mentioned in the police report to claim the benefits of your insurance policy.
  • If the vehicle is not in a driving condition or if you observe any oil/coolant leakage or any damage underneath the vehicle, the ignition must be turned off immediately and the damaged vehicle must be moved to a workshop by a towing vehicle.
You’ll have to obtain a police report and then either contact NGI’s Call Center on 04 – 211 5800 or visit NGI’s claims department to give them the details. Documents required by NGI in case of a claim are the original police report, and copies of registration card and driver’s license.
Yes, as long as they meet the other eligibility criteria set by the Bank/ NGI.
You can cancel the policy in the event of either selling the vehicle or exporting the vehicle. Documents required by NGI are the number plate certificate from the RTA, export certificate or the new registration card from the buyer. Once we have these documents, and subject to there being no claim reported against the policy, the cancellation request will be processed and a cheque for the pro-rata share of the premium will be refunded to you (subject to you having paid us the policy premium in its entirety) within 14 working days.
A hire car shall be provided for the duration of repair / or claim settlement is offered up to a maximum period of seven days per claim incidence covered under your insurance policy. You can avail the hire car after two days of sending your car for repair. The maximum per day limit for hire car that will be provided by NGI is AED 100. You can either call on 04 – 211 5800 or visit NGI’s claims department, to notify the claim for availing this benefit.
Sorry, NGI currently does not provide this service.
In agency repair, you can take your vehicle to the dealer’s authorized workshop to fix any damage due to an accident. In non-agency repair, you can take your vehicle to any of NGI’s authorized garages to fix any accidental damage.
Roadside Assistance can be included in your policy at a minimal charge of AED 30 only. IMC (NGI’s partner for providing roadside assistance services) will be able to help you in the event of a vehicle breakdown. A card with your policy number and IMC’s toll free number (800 4101) will be provided in the final policy kit.
Off-road cover is included for vehicles that have off-road capability (For example, Prado, Jeep, Land Cruiser, and so on).
Agency repair is available up to 2 years from the year of manufacture of the vehicle
Yes, it does for own damage only.
No Claims Discount or No Claims Bonus is a special discount on the insurance premium given to individuals who have an accident-free record for a minimum of 1 year (subject to No Claims Certificate from previous insurer in UAE or home country).
Comprehensive coverage can be provided as long as your vehicle is less than 10 years old. After that, the coverage will be underwritten on a case by case basis.
The current car value is calculated by comparing the average market value of the same vehicle. The car value is depreciated by 15% - 20% every year thereafter (depending on your vehicle make).
A comprehensive insurance policy will cover you against your own loss or damage as well as third party property damage. Loss or damage could result from an accidental collision, fire, burglary, external explosion, self-ignition, lightning, theft and any malicious act by a third party. Third party liability policy is the basic coverage that is mandatory as per the UAE law and it covers death or bodily injury to any third party/person as well as property damage caused by the insured’s vehicle. The policy does not cover damage/loss to the insured vehicle.
CBD Facebook Branch is completely secure as it is hosted on CBD’s secured servers.

You can register if you are Commercial Bank of Dubai customer who holds current account, savings account and/or credit card. You also need to be a registered CBD Online Banking user.
No, there is no charge for registration and usage of CBD Facebook Branch.
It is a new way to manage your accounts. With CBD Facebook Branch you can have CBD Online Banking without leaving Facebook. You can check your accounts and balances, pay your CBD credit cards, Etisalat, du and Salik bills, transfer money between your CBD accounts, keep track of your expenses through Eye on the Expenses, and do a lot more, without leaving Facebook.
You can do a lot. You can view your account balances, get mini statement with the most recent transactions, apply for products. You can also pay your CBD credit cards, Etisalat, du and Salik bills, and transfer money between your CBD accounts. And not to forget, you can track all your expenses through Eye on the Expenses from Budget and Track tool.
You will be able to view your current, savings and credit card accounts that you linked with CBD Facebook Branch in your CBD Online Banking.
Yes you can pay your CBD credit cards, Etisalat, du and Salik bills. Just to let you know, we are working on getting more utility providers in CBD Facebook Branch. For the time being, to pay your other bills, please use CBD Online Banking.
Surely you can. You can transfer money between your own CBD accounts. We are working on offering you other type of transfers. For the time being to do other transfers, please use CBD Online Banking.
Yes, there are. You can transfer between your own CBD accounts up to AED25,000, which is also your daily limit for money transfers. For larger amounts, you can always use your CBD Online Banking account.
Your account details and transactions are not published on Facebook timeline or shared with Facebook or your Facebook friends, and will be kept private.
If you are not registered for CBD Online Banking, you need to register first.
Registering to manage your account with CBD Online Banking is quick and easy. Just go here and register now.
You need to login to your CBD Online Banking account and go to services section, Other Channels Settings and select the "Facebook Branch Management". Then you can click on "Unlink Facebook Branch" button and this will unlink your Facebook account from your CBD Online Banking account and will terminate the access.
Yes, there are. You can pay CBD credit card bills of up to AED25,000, which is also your total daily limit for paying your CBD credit card bills. For larger amounts, you can always use your CBD Online Banking account.
Authentication OTP code is an 8-digit unique dynamically generated verification number that is sent to your mobile number registered with Commercial Bank of Dubai. You will be challenged with OTP protection whenever you want to access sensitive information such as your account balances and transaction details or when you want to initiate transactions.

OTP is one time password which gets sent to your registered mobile number.
OTP will be required to register for Phone Banking Service and to perform selected financial transactions over Phone Banking Service. 


Facebook does not support Apps in Page Tabs on mobile devices. You will be able to open Facebook Branch on mobile only through your web browser where it will be fully-responsive, mobile-friendly and easy to use. In order to login to Facebook Branch from your mobile device, you can visit this link https://www.cbd.ae/facebook and then login to your Facebook account.
Your mobile number may not be updated with us. Please call our customer service on 600 575 556 to register your new mobile number.

Please follow a two-step process:
Step 1. Login to your CBD Online Banking account to activate CBD Facebook Branch by clicking on CONNECT NOW link on Overview page. You will also need to choose the CBD accounts you want to link to CBD Facebook Branch.
Step 2. If you are visiting from personal PC/desktop, login to your Facebook account and complete your registration: Search for Commercial Bank of Dubai and click on CBD Facebook Branch tab and then register and link your CBD Online Banking account with CBD Facebook Branch application. If you are visiting from mobile device, open this link https://www.cbd.ae/facebook and then start with registration.
We employ a high level of security monitoring and software, including 128-bit SSL encryption technology for data security. We also strongly recommend that you safeguard your online personal and account information with up to date Internet security software and operating system updates.
  • No personal information, account balance or transaction information is shared with Facebook through Commercial Bank of Dubai Facebook Branch.
  • Transactions conducted through Commercial Bank of Dubai Facebook Branch are completely secure as all authentication and transactions take place on Commercial Bank of Dubai's secured servers.
  • Registration of your account is based on your CBD Online Banking credentials to avoid any misuse of your account. This authentication page also resides on Commercial Bank of Dubai's servers and not on Facebook.
  • For account information and for each transaction, you will need to input a unique dynamically generated OTP (One Time Password) that is sent to your mobile number registered with Commercial Bank of Dubai to verify that the transaction is initiated by you.
  • All of your financial transactions have respective limits to prevent any fraudulent usage of your money.
Visit our section on Online Security for more information here.
Discharge receipt will be issued by Orient within 14 working days post receipt of the valid documents. Claim amount will be provided post receipt of the signed.
In case of death claim following documents are required:
  • Copy of Death Certificate (attested by UAE Embassy in the country where the Death has occurred as well as Ministry of Foreign Affairs in UAE)
  • Copy of Police Report (if necessary
  • Copy of Succession Certificate
  • Nominee Details
  • Death Claim Form and other documents as maybe required by the Company case to case basis.
* Orient may request for originals
To claim maturity we require:
  • Original Policy Document
  • Passport Copy
  • Visa Copy
You can directly contact Orient Insurance PJSC in case a claim arises. The e-mail id is orient.service@alfuttaim.ae and contact no is +971 4 253 1300.


The cover is worldwide and continues subject to receipt of regular premium, if you are planning to leave UAE, you to inform us about your new destination. Depending upon your new place of residence, the Insurance Company reserves the rights to revise the rates.


The Cash Value at any point in time will be the sum of the value of units of each Fund allocated to the Policy. The Cash value can be determined by multiplying the number of total units held by the prevalent Unit Price less the applicable Surrender Charges.
Loyalty bonus & additional bonus are available with FutureInvest:
  • Loyalty bonus: 10% of Annualized Premium allocated as Loyalty Bonus on completion of every 3 years during the Premium Payment Period (PPT) on policies with Payment term ≥ 5 years.
  • An additional bonus allocation shall be made during the first year of the Policy depending on the monthly premiums: (Not applicable for Version 2 : ≥7 years)
Monthly Installment# (USD)  Bonus Allocation (%)
   500 – 999
 2 % of each premium
 1000 – 1499
 3 % of each premium
 1500 – 1999 4 % of each premium
 2000 – 2999
 5 % of each premium
 > 3000
10 % of each premium
Partial encashment is possible after the 2nd year of the policy.
You can add and change beneficiaries anytime during the policy term; however, in case of minor below 18 years age, guardian must be notified. The beneficiary can also be chosen as per “UAE Shariah Law”.


Reinstatement is allowed within 2 years from the first unpaid premium due date.
Following riders are available for Policyholder aged 18 years & above at additional cost :
  • Passive War Risk - (PWR) - In Built, no extra cost
  • Accidental Death Benefit - (ADB)- Additional Rider
  • Permanent Total Disability – Accident & Sickness (PTD -A & S) - Accelerated Rider
  • Permanent Total Disability – Accident (PTD- A) - Accelerated Rider
  • Guaranteed Installment Benefit - (GIB) - Additional
  • Hospital Cash Benefit (HCB)- Additional
  • Critical Illness (CI) - Accelerated
  • Family Income benefit (FIB) - Additional
  • Terminal Illness (TI) – Accelerated.

Note: Secondary life can only opt for riders taken by the Primary life.
The grace period for making payment is 90 days from the premium due date.

 Premiums up to 90 daysNo Health Questionnaire required  
 After 90 days but within 180 days Health Questionnaire
 After 180 days Health Questionnaire + Medical examination as per Underwriting guidelines



The charges depend on the premium payment term that you selected for the plan:
Payment Term Policy Year 
 1 2 3 4 5 6
 3 100%30% 20% 0% 0% 0%
 5 100% 40% 20% 15% 10% 0%
 ≥ 7 v1 100% 60% 50% 30% 10% 0%
 ≥ 7 v2 100% 100% 0% 0% 0% 0%

 Option A (Inclusive): Sum Assured OR Cash Value whichever is higher
 SINGLE LIFE JOINT LIFE
 On Death of Primary Life 
 On Death of Secondary Life
 Sum assured at the time of death or the value of units, whichever is greater Sum assured at the time of death or the value of units, whichever is higher is paid to the Secondary Life. In case where Secondary Life is not alive, the benefits will be payable to the beneficiary
 25% of Sum Assured paid immediately and policy/ benefits continue for the Primary Life. The benefits are payable to the Primary Life.
 Option B – Sum Assured plus Fund Value
 SINGLE LIFE JOINT LIFE
 On Death of Primary Life 
  On Death of Secondary Life
 Sum Assured Plus Fund Value. 100% Sum Assured paid immediately + 100% Fund Value on Maturity. Benefits are paid to the Secondary Life. In case where Secondary Life, the benefits will be payable to the beneficiary 25% of Sum Assured will be paid immediately and policy/ benefits continue for the Primary Life. The benefits are payable to the Primary Life.

Chose the payment method that suits you, you can pay it by Standing Order, Credit Card, Cheque & Third Party Payments allowed from Parents, Grand Parents, Spouse or Company.
You have an option to select the Limited Payment terms for 3, 5, 7 years and above or equal to Plan term.
  • Minimum Sum Assured is USD 5000/- (Primary Life)
  • Maximum Sum Assured is USD 5 million (Primary Life); you can opt for higher covers as well based on approval from Orient Insurance
  • Maximum USD 200, 000 (for children Aged below 18 years).
Minimum premium for FutureInvest is:
  • For monthly payments: AED368 or USD100
  • For quarterly payments: AED920 or USD250
  • For half yearly payments: AED1,472 or USD 400
  • For yearly payments: AED2,208 or USD600
  • Lump Sum: AED1,840 or USD500.
  • For Regular Savings Plan, minimum plan term is 5 years and maximum is 30 years.
  • For Whole of Life Plan: minimum plan term is 5 years till you reach the age of 101 years.
    FutureInvest is available in both AED and USD.
    With FutureInvest you will get:
    • Wealth accumulation opportunities through investments in your choice of funds
    • An option of whole of life cover along with a number of additional benefits that can help protect against the financial impact of severe illness and accident
    • Flexibility to change the plan as your circumstances change
    • Premium payments for a limited period, and life cover and investment opportunity that can be continued for an extended period of time.
    On maturity of FutureInvest you will receive a combination of sum assured and/or fund value as per option A or B that you selected along with extended covers (if applicable):
    • Option A – sum assured or Fund value, whichever is higher
    • Option B – sum assured plus fund value, and free extended cover benefits (with Regular Savings Plan only) which include:
      Free Death Benefit + free Critical Illness + free Hospital Cash benefit (Critical Illness & Hospital Cash Benefit applicable if originally opted).
    You can make them monthly, quarterly, half yearly or yearly. Lump sum/ Ad-hoc Payments can be made at the time of commencement or any time later for an active Policy.
    To apply for FutureInvest you should be 1 day to 84 years old at entry and not exceeding 101 years at the maturity of the plan.
    To apply for FutureInvest you should be:
    • CBD customer with valid UAE or GCC residence visa.
    • 1 day to 84 years old at entry and not exceeding 101 years at the maturity of the plan.
    FutureInvest is a unit linked plan that offers you savings, investment and protection all in one product. This product is designed not only to protect you and your savings during uncertain events, but also to ensure your peace of mind. There are two options available to suit your needs: Regular Savings Plan or Whole of Life Plan.

    You can setup token PIN within CBD Mobile Banking App after linking the token or by online banking using the following steps:

    Login to online banking and go to Services page. Under online settings, select “Token PIN Generation” from Request Type dropdown menu. Enter token pass-code (6 digit number on your token) and click on Submit. Enter the new 4 digit PIN and confirm the same.

    Token PIN is a fixed 4-digit PIN of your choice (which is different than your transaction PIN) that works together with security token in carrying out financial transactions in Online Banking.

    To setup token PIN:

    1.Login to Online banking and go to Services page.
    2.Under online settings, select “Token PIN Generation” from Request Type drop down menu.
    3.Enter token pass-code (6 digit number on your token) and click on submit.
    4.Enter the new four digits PIN and confirm the same.
    The easiest way to start enjoying the unique features of Budget and Track is to apply for CBD account. With an account you will automatically be eligible to register for online banking where you can access Budget and Track.
    The easiest way to start enjoying the unique features of Budget and Track is to apply for a CBD account. With an account you will be automatically eligible to register for online banking where you can access Budget and Track.
    We believe in providing a quick service – so your SMS Banking service will be activated within 24 hours from the time of registration.
    No password is required for this service, and all payments are completely secure since the consumer/bill numbers are pre-registered and linked to your account.
    Yes, your bill numbers should be pre-registered.
    It’s easy! Simply compose a new SMS text message as per the sample messages on our SMS Banking User Guide and send to 4266. Save all the text formats you need under the “sent item” folder on your mobile phone for future use.
    CBD SMS Banking service works on all GSM mobile phones that support SMS technology (Etisalat and Du numbers).
    SMS Alerts will be sent whenever your account is credited or debited in real time. For example, you will receive an SMS alert for every purchase conducted through point of sale machines. You may choose to receive SMS balance notification alerts at pre-defined timings as per your convenience. Select from the following times when you’d like to receive your Account/Credit Card available balance:
    • Monthly – beginning of each month.
    • Weekly – specify a day that suits you!.
    • Daily – at a specified time (Morning - 9.30AM or Evening - 6PM).
    Yes, absolutely! If you’re a CBD customer with a local or foreign currency Account, you’re automatically eligible for this service. Is it eligible/authorised for joint account holders and power of attorney to avail this service? Yes, it is! Power of attorney and joint account holders with either/or survivor instructions in their accounts are eligible to use the service.
    Our SMS alert service keeps you updated on any significant activities or transactions on your account. For example you can receive SMS alerts when your salary is credited to your account or when you make an ATM cash withdrawal. While our SMS request and payment service lets you request for Account and Credit Card information and make transactions instantly.
    CBD SMS Banking is one of our convenient banking channels that allows you to carry out banking activities from a mobile phone using a simple SMS. Catch up on your bank account details, request for financial information and make all types of payment transactions instantly.

    At any time and from anywhere - our goal is to allow you to bank from where it suits you, when it suits you.

    You can reset your TIN through CBD Online Banking or by calling us on 600 575 556 and following these steps

    • Select the preferred Language
    • Select the option of (CBD Customer)
    • Select the option of (Banking Services)
    • Enter your account/Card Number
    • Enter the Telephone identification number that you last recall. When entered wrongly for three times, the system will get locked and the system will prompt you to request for a new one
    • Select the option to request a new TIN (Telephone Identification Number).
    • Enter the OTP (One time Password) that you will receive on your registered Mobile Number with the Bank.
    • Create your own 4 – 6 digits Telephone Identification Number

    You have three chances to enter your correct TIN before your account is locked. If your account is locked, you will be prompted to request for a new one

    As soon as you create your TIN (Telephone Identification Number), all you need to do is to call 600 575 556 and start using this convenient service!

    There is no cost for the service – it’s completely free!

    All you need is to maintain a Current, Savings, Deposit, Loan Account or Credit Card with CBD. To register for the service, please call us on 600 575 556.

    Not at all! There are no registration fees.
    Absolutely – enjoy it’s convenience from anywhere in the world! Once the application is downloaded and activated on your phone, it is independent of the service provider. All you need is an active internet connection via (GPRS/3G/Wi-Fi).
    In this case, simply call 800 CBD (800223) to update your information accordingly. You can still access the application using your userID and password.
    As there is no financially sensitive information stored on the phone, nobody will be able to access your accounts without your unique userID and password. We recommend that you never store your userID and password on the phone memory. We also recommend that if your mobile phone has been lost or stolen, or your userID and password has been compromised, please contact us on 800 CBD (800223) to disable your userID and password temporarily.
    You can re-download and install the application again on your new mobile phone and continue using it with the same UserID and password.
    Yes absolutely! You can have this application running on multiple devices/phones using the same userID and password.

    There is no registration process required. Please login using your CBD Online Banking User ID & Password.


    Unfortunately, you can’t. This service is only available through an Internet enabled mobile phone with an active internet connection (GPRS/3G/Wi-Fi).
    None at all! The web version is simply designed for customers whose phones do not support the application version, or those who don’t wish to download and install the application on their mobile phones.
    CBD Mobile Banking is compatible with three major platforms (Apple, Blackberry, and Android). In addition, there is a mobile web version which allows you to access your CBD Mobile Application on all other internet enabled phones. You can access the CBD Mobile web version by typing the following URL into your mobile browser (https://www.cbd.ae/mobile).
    To download CBD Mobile Banking Application, please visit the application store relevant to your device:
    • For iPhone, visit the Apple store (click here to download).
    • For Blackberry, visit Blackberry App World (click here to download).
    • For Android, visit Google Play (click here to download).
    It’s easier than ever before. All you need is:
    • An active Account or Credit Card with CBD.
    • A mobile with an active internet connection (GPRS/3G/Wi-Fi).
    CBD Mobile Banking is a convenient service that allows you to carry out banking transactions at anytime, from anywhere through your mobile device. You can view your account information, make transactions and pay your utility bills easily and securely.

    We strongly advise you to always log off at the end of every session in order to prevent any unauthorised access to your online account and ensure that your personal and financial information remains secure.

    For security reasons, you can use CBD Online Banking in 5 minute blocks of time. At the end of each session you will prompted if you wish to continue your session or log off.

    Great question! You can always read through our Security section and Internet Banking Terms and Conditions. There are some handy tips and recommendations set out under Technical Requirements, such as:
    • Keep your password secret.
    • Never leave your computer unattended while logged on to Internet Banking.

    If you suspect that someone knows your password or it has been lost or stolen, you can change the Password through our website. Alternatively, call us on 600 575 556 to request for new one.

    If you have lost or forgot your Password, please click “Forgot Password” and follow the steps to reset your Password. Or please contact us on 600 575 556 and we’ll be happy to help you out!

    A session is defined as the period of time between logging on to CBD Online Banking and logging off. Within the session time period, every movement is recorded for security purposes.

    A login password is your access code which allows you to access your account. It should be between 6 – 8 alphanumeric characters. This password will only let you view your account details – no transactions can be carried out with it. You will need a transaction PIN in order to do that.

    You have 3 attempts to enter your correct password before your account gets locked, for security purposes. If your account is locked, please call speak to one of our Customer Service Agents on 600 575 556 – and we’ll help you out!

    It’s really simple! To login to CBD Online Banking click here.


    A User ID is a unique name which you choose to Login to CBD Online Banking with. The User ID is not case sensitive, can’t be less than 6 or more than 14 characters and can’t have spaces or special characters.

    In case of irregular payments, a card cancellation or your card being blocked for any reason.
    Yes, our credit card holders can redeem Attijari Points for cash-back.
    Yes, there is a time limit that is up to 31st December of the subsequent year. For example, points earned during year 2016 will expire on 31st of December 2017.
    Request will be processed as per the valid account number provided by the customer, and the customer will not be able to reverse points from any closed redemption request.
    In order to redeem your points for Emirates Skywards or Etihad Guest Miles, you should be a member with either  Emirates or Etihad. Log in to CBD Online Banking and click on "Manage and redeem your points" in Overview page. Otherwise, you can call us on 800 CBD (223) or visit any of our branches.
    Login to CBD Online Banking and click on "Manage and redeem your points" in Overview page. Otherwise, you can call us on 800 CBD (223) or visit any of our branches.
    Details of the points accumulated and redeemed will be shown on your Online banking under Reward summary.
    Yes absolutely! All purchases made on the supplementary Credit Card will also earn Attijari Points.
    Not at all! All primary and supplementary Credit Card holders are automatically enrolled into the Attijari Points Rewards Programme without any charge whatsoever.
    You can earn up to 2.5 Attijari Points for every Dirham you spend using your primary or supplementary CBD Credit Card.
    The Attijari Points Rewards Programme enables you to accumulate points against all CBD Consumer Products. Customers can redeem these Attijari Points for cash back or convert into Emirates Skyward and Etihad Guest Miles.
    Attijari Al Islami is the Commercial Bank of Dubai’s Islamic Banking section. It’s our mission to take Islamic banking and finance to new heights through an unwavering focus on innovation and the desire to deliver excellence in everything we do. This includes offering an integrated range of products and services that are in perfect harmony with Shari’a principles.
    Islamic banking in 2009 and beyond remains positive despite the current challenging global financial environment. Its viability and competitiveness is derived from its ability to meet the changing demands of the economy, it’s cost competitiveness, it’s support from a well-developed legal, regulatory and supervisory framework; and most importantly, the fundamental Shari'a requirements of Islamic finance that support its stability. Islamic Banking is a rapidly growing phenomenon in the global financial markets.
    Islamic principles don’t allow payment or receipt of Riba (interest) but do allow profit sharing. The concept of profit-and-loss sharing, as a basis of financial transactions is a progressive one as it distinguishes good performance from the bad and the mediocre, encouraging better resource management. Other elements include the emphasis on equitable contracts, the linking of finance to productivity, the desirability of profit sharing, and the prohibition of gambling and certain types of uncertainty. Islamic banks focus on generating returns on investments through investment tools that are Shari’a compliant.
    The Islamic banking industry is a growing one and today stands at over a trillion dollars with more than 400 financial institutions in and outside the Muslim world. It is indigenous and community-focused: it caters to devout Muslims in predominant Muslim societies as well as in Muslim minorities of non-Muslim countries. It’s also an inclusive paradigm: non-Muslim individuals and communities that seek ethical financial solutions have also been attracted to Islamic banking.
    Islamic Banking is essentially an ethical and equitable mode of financial services based in the Shari’a (Islamic law). The Sharia’a is derived from the Holy Quran and Sunnah (sayings, deeds and traditions) of the Prophet Muhammad (PBUH) and governs all aspects of personal and collective life. One of the key aims of Islamic Banking is to promote greater fairness in the conduct of business.

    FTIN is your secret Financial Telephone Identification Number which is used to perform financial transactions through Phone Banking.

    The Telephone Identification Number TIN is your access code for Phone Banking services.

    For any request related to Phone Banking, you will receive a message confirming your request. For transactions done through Phone Banking, you need to ensure that SMS service is active for such transactions.

    Transfer funds to any CBD account by setting up a Beneficiary through online banking. Once beneficiaries are set, you may call 600 575 556 to make the transfer

    You can process as many transactions as you want, but please keep in mind that your daily limit is AED 3000 using TIN, and AED 10,000 Using FTIN/OTP.

    Yes and the number to call is +9714 211 2888
    Our Phone Banking services are available in both English and Arabic.

    Not long at all! Register instantly by calling us on 600 575 556 and creating your TIN.

    A convenient way to get all your banking done. CBD Phone Banking is on call 24 hours, 7 days a week. Key features are:

    • Check account information and make transactions.
    • Transfer funds to own or other CBD accounts.
    • Pay your utility bills.
    • Make credit card payments.
    • Account information and balance enquiry, and many more.
    You'll be automatically registered for free Push services when you make an ATM Cash Withdrawal or POS transactions.
    You will be automatically registered for account, credit card and loan inquiries. To register for the remaining SMS Pull Services, you may give us a call on 600 575 556.
    There are no charges for account, credit card and loan inquiries. For the remaining SMS Pull Service, it's 20 fils for each SMS, with five free messages a month. Please note that, in addition, your network provider might charge you regular SMS fees as applicable. 
    A service which allows you to pay your bill, transfer funds and request for Account inquiries all through a simple SMS.
    We will notify you after every Transaction completed through your supplementary Credit Card or Account.
    We will notify you after every Transaction completed through your Credit Card or Account.
    SMS alert service is available for all products and services.
    You can receive SMS for the following services: - Debits and Credits - Notifications for Available Balance and Loan  - Standing Orders - TDs due.
    Pay (space) Consumer Number (space) Amount
    No password is required for SMS Banking - we know they can be a bother!
    The SMS Banking Service is free for all debit and credit transactions. You will be auto registered for this service once you open an account with CBD and you will get notifications on your mobile number registered with us.
    You can use SMS Banking anywhere in the world!
    If the ATM is located at a CBD Branch, please notify our staff during the regular business hours. Or contact us immediately on 600 575 556 and we'll help you out!
    Please contact us on 600 575 556 at anytime - we would be happy to assist you!
    Cash in foreign countries is dispensed in the local currency and debited from your account in Dirhams.

    Please insert the Debit card into the ATM, enter the PIN and select the transfer option from the menu. Then follow the  steps until the transaction is completed successfully.

    Note: Only Customers holding a Current Account and Saving Account with CBD under the same RIM (same name) can transfer money between their Current Account and Saving Account or vice versa.

    If your current and savings accounts are under the same RIM (same name), then yes! You can certainly transfer money between the accounts.
    The ATM will only provide you with a mini-statement and this is completely free! You can view a detailed statement online via CBD Online Banking.
    You can get statements from an ATM, however it will be a mini-statement. You can obtain a more detailed statement online via CBD Online Banking.
    We accept a maximum of 30 cheques at one time.
    Cheques deposited before 10:00am at a Cheque Deposit Machine (CDM) will be credited to your account the same working day, whereas, cheques deposited after 10:00am will be credited to your account the next working day.

    You can deposit cash in two ways at CBD ATMs, with a Debit card or without a card through the Cardless Deposit option.

    With your Debit Card: Insert your card into the ATM and select the deposit option from the menu. Follow the steps until your transaction is successfully completed.

    Cardless Deposit: Click the Enter key on the ATM keypad and select the deposit option from the menu. Follow the steps until your transaction is successfully completed.

    Great question! The ATM is a convenient way to save your time. You can avoid the long lines at bank branches and carry out transactions at any time in the day, week, month or year.
    Using your Card at other bank ATMs within the UAE is charged as:
    • Withdrawal: AED 2 per withdrawal.
    • Balance Enquiry: AED 1 per enquiry.
    Using your Card within the GCC is charged as:
    • Withdrawal: AED 6 per withdrawal.
    • Balance Enquiry: AED 3 per enquiry.
    Using your Card outside the UAE and the GCC is charged as:
    • Withdrawal: AED 20 or 2% of the withdrawal amount (whichever is higher)
    • Balance Enquiry:  Completely free!
    Using your Debit Card at ATMs within GCC countries is charged as:
    • Withdrawal: AED 6 per withdrawal.
    • Balance Enquiry: AED 3 per enquiry.
    • > Using your card outside the UAE and GCC countries is charged as:
      • Withdrawal: AED 20 or 2% of the withdrawal amount, per withdrawal.
      • Balance Enquiry: Free.
    Using your Debit Card at any CBD ATM is completely free. Using your card at other bank ATMs in the UAE is charged as:
    • Withdrawal: AED 2 per withdrawal.
    • Balance Enquiry: AED 1 per enquiry.
    We know ATMs make life convenient so we currently have a total of 121 ATMs. These are distributed across the following Emirates: Abu Dhabi, Dubai, Sharjah, Ajman, Fujairah, Ras Al Khaimah and Al Ain

    You can visit our Security section to view recommendations and adhere to them.

    Any email or written communication received by you, which appears to have been sent from CBD seeking your personal or confidential information, should not be answered but advised immediately to CBD via email to wishtleblower@cbd.ae.
    Suspicious emails, especially those containing web links or attachment should be treated with extra care. Avoid clicking or opening attachments from unknown sources or in any suspicious emails!
    Your personal banking information can be abused by online hackers. Keep it safe from them and protect your privacy!
    CBD will never request you to disclose your account number, Credit Card information, User ID , Personal Identification Number (PIN), Telephone Identification Number (TIN), Password or any such information through emails. Any email or written communication received by you, which appears to have been sent from CBD seeking your personal or confidential information, should not be answered but advised immediately to CBD via email to wishtleblower@cbd.ae.
    We suggest you to follow the below mentioned important steps to avoid becoming a victim of a phishing scam while using CBD online services :
    • Do not disclose your Online Banking User ID and Password to anybody; we will never ask you for this information in any circumstance.
    • Always type the website address (e.g. www.cbd.ae ) in the address bar.
    • Ensure that the online banking address has https:// and a secure lock icon appears at the right bottom corner of the page or next to the address in the top of the webpage.
    • Do not use the password save option on your computer.
    • Change passwords regularly.
    • Do not save the Online Banking webpage link or bookmark in browser favourites.
    • Do not leave your computer unlocked.
    • Subscribe to our SMS Banking to be notified on your banking transactions.
    Good question! Spyware is software that aids in gathering information about a person or organisation without their knowledge. It may then send such information to another entity without the person's consent or assert control over a computer without the person's knowledge.
    Unfortunately CBD does not have control over your personal computer to protect it against spyware but good anti-virus and endpoint security solutions can sometimes detect and remove spyware programs.
    "That's a great question! Trojans are a type of computer virus which can be installed on your computer without you realising it. Fraudsters will send out emails at random to get you to click on a link in the email and visit a web site where vulnerabilities in the web browser are exploited to install the Trojan. Trojans perform actions that have not been authorised by the user, like deleting, blocking, modifying and copying data and disrupting the performance of computers or computer networks.
    Unfortunately CBD can't have control over your personal computer to protect it against Trojans but to avoid Trojans here are some measures you must consider:
    • Keep your computer up to date with the latest patches to close down vulnerabilities in the operating system.
    • Always run anti-spam and anti-virus software with regular updates.
    • Enable personal firewall which can prevent Trojans from accessing the internet to make contact with the fraudsters.
    • Be extra careful when visiting unkown sites, especially with pop-ups and requests to install ""plug-ins"" or unwanted software.
    • Be careful with links and attachments sent to you by email. If in doubt, don't click.
    Please change your password immediately and contact us on 600 575 556.
    We're committed to protecting your privacy and safeguarding your financial information. Our Privacy Policy describes how we keep this commitment. For more information about our commitment to securing your personal information, you can read our Privacy Policy.
    Online security is about protecting your privacy, not just while banking but across the internet. Follow these basic tips to stay secure while online:
    • Make sure you have the latest security updates (check specific procedures with your OS provider, e.g. Microsoft, Apple, etc.).
    • Make sure you have the latest anti-virus, and it’s updated.
    • Get creative and choose a unique password.
    • Don’t disclose your online banking information.
    The time-out function prevents unauthorised persons from accessing your session and data when you're away from the computer. We use it to protect your privacy.
    Great question! Phishing is a common online scam and it tries to trick you into disclosing confidential personal or financial details. The information is then used for financial fraud or identity theft. You can protect yourself from fraudsters by watching out for official-looking emails from financial institutions - that's how phishing usually happens! The email might convey a false sense of urgency, using alarming messages such as, "Your account has been frozen" or "We need to reconfirm your details urgently". Or it might contain a link asking you to confirm your personal login details. Please don't click on it or follow any of the steps within suspicious emails. In case you receive such an email, please call us on 800 CBD (223).
    We suggest the following:
    • Do not disclose your Online Banking User ID and Password to anybody; we will never ask you for this information in any circumstance.
    • Always type the website address www.cbd.ae/online in the address bar.
    • Ensure that the online banking address has https:// and a secure lock icon appears at the right bottom corner of the page or next to the address in the top of the webpage.
    • Do not use the password save option on your computer.
    • Change passwords regularly.
    • Do not save the internet banking webpage link or bookmark in browser favorites.
    • Do not leave your computer unlocked.
    • Subscribe to our SMS Banking to be notified of your banking transactions.
    We take your security very seriously by offering you the latest advances in digital banking. We continually invest in and implement the most advanced security measures to ensure all your online dealings with us are safe and secure. There are a number of security features in place:
    • Robust firewall technology to prevent unauthorised access to the Bank's systems.
    • A security team constantly monitors the system for suspicious activity and automatic alerts are generated if any abnormal activities arise.
    • 128-bit data encryption has been put in place to provide some of the best protection available to keep your password, account details and other sensitive information, including any messages sent via Secure Email, from being accessed by an unauthorised party.
    There are many! Just to highlight few:
    • It automatically categorises all transactions from your accounts and credit cards you have with us.
    • It provides you with an insightful visual analysis of expenses and income per category and sub-category.
    • It helps you set up a budget for a number of expenses categories. The spending related to the budget category is tracked, updated and visually presented.
    • It helps you set up your life goals and monitors their progress automatically.
    • It gives you an insight on how you compare to other users of the tool.
    • It helps you create and customize different reports, from income, expenses to monthly and annual reports.
    • It notifies you on different financial events that you can customise as per your needs.
    Just click on Budget and Track tab in Online Banking to start enjoying the many benefits of our Budget & Track tool.
    The best things in life are free - there's no charge for Budget and Track!
    Start right away! Click on Budget and Track tab in Online Banking to start enjoying the many benefits of a Budget & Track tool.
    If you are an existing CBD customer you are automatically eligible. Simply login or register with our Online Banking service and click on Budget and Track tab to access it.
    If you're registered with our Online Banking, you're ready to start using Budget and Track!
    Our free Budget and Track tool that comes with Online Banking, helps you better manage your finances. It:
    • Gives you complete visibility: see all that's happening with your CBD accounts in one place.
    • Categorises your expenses and shows you a simple chart with what you've spent in a chosen period.
    • Helps you set a budget and create a plan to reach your personal financial goals. You can track your progress or stay updated through regular emails.
    • Makes the painful task of budgeting a breeze by setting up a realistic budget based on your spending history.
    • Sets up your life goals and painlessly plans for your future.
    There's no need to do that - once you have registered for Online Banking, you're ready to generate statements at any time you want.
    We don’t send e-statements by e-mail. Instead CBD lets you generate your e-statements whenever and as often as you want through Online Banking. However, we do post statements to you once a year. If you wish to receive them more often, please make a request at any of our branches.
    E-statements are free of charge.
    Simply register for Online Banking! Then go ahead and generate your e-statements at anytime and as often as you want.
    After registering through Online Banking, you can generate e-statements whenever and as often as you want!
    You’ll get a secure, convenient and environmentally friendly way to access your monthly statements. e-statements are:
    • Convenient.
    • Review, print and save your statements day or night.
    • Fast.
    • e-statements can be accessed days before a paper statement would arrive in the mail.
    • Efficient.
    • e-statements contain the same information as a traditional paper statement.
    • Secure
    • Reduce the risk of statements being lost or stolen in the mail.
    • Safe.
    • Your e-statement is protected by the latest security measures.
    • Environmentally Friendly.
    • Conserve resources by accessing your statement online.
    • Free.
    • There is no charge for e-statements.
    To maintain security, your Account details are not stored on mobile devices.
    We take your security very seriously and go to great lengths to ensure that your Mobile Banking experience remains highly secure.
    We know it's a pain to remember too many passwords, so yes, you can definitely use the same credentials to login to CBD Mobile Banking and CBD Online Banking.
    With Mobile Banking, many of your banking solutions are literally at your fingertips! A few of the features and benefits include:
    • Keep better track of your bank account activities and view your transactions in an orderly list format.
    • Transfer funds between your accounts, to other CBD accounts or external accounts.
    • Pay your utility bills; Etisalat, DU, DEWA, SEWA, FEWA, SALIK and DED.
    • Locate CBD Branches and ATMs anywhere in the UAE.
    • Stay updated on CBD’s latest products, services and promotions.
    Your User ID will still be active, regardless of the last login time.
    Start as soon as you've registered yourself for CBD Online Banking.
    You definitely can! Use the CBD Mobile Banking App anywhere in the world as long as you've got an internet connection and a secure device.
    You can get it through CBD Online Banking, under Services – Online Settings, by selecting Create/Reset Transaction PIN and providing the PIN. You need to confirm the new PIN and input the One Time Password sent to your mobile number registered with us.
    You can use your PIN for transactions up to AED 25,000 for the following services:
    • Bill Payment.
    • Transfer to other CBD Accounts.
    • Credit Card Payment.
    • CBD Financial Services.
    • For transfers within RIM (your unique identification number) (up to AED 1,000,000).
    • For Cash online transfers (up to AED 200,000).
    • For E-Dirham (up to AED 100,000).
    Note: the above thresholds may be subject to change from time to time.
    Transaction PIN is a 4 digit code that allows you to do financial transactions on CBD Online Banking. You can do fund transfers, pay your utility bills plus other financial payments.
    To request a hard token you need to visit your nearest branch and request for it. You need to activate your token by calling 800 CBD (223). Once activated login to Online Banking and generate token PIN (Services page- Online settings).


    To request a digital token you need to login to Online Banking and request a digital token (Services page or at the time of making a transaction):

        Follow the instructions to download the RSA SecurID App and provide the biding ID.To complete the process, please ensure that your mobile number is registered and updated with CBD.
        Once you bind the token with Online Banking, you will receive a call from a CBD customer service agent to assist you in activating your token.
        You will receive SMS with the link that you need to open within the app.
        After activation, you can use it to make transactions in online or mobile banking that require an added layer of authentication. Don’t forget to generate 4-digit token PIN, if you are using token for the first time (you can generate it in Online Banking, under Online Settings.
    You will need to use your token for the following Online Banking transactions:

    All bill payments above AED 25,000
    Transfers to other CBD accounts above AED 25,000 (this excludes your own account transfers).
    All domestic and international transfers (remittances).
    Cash Online and CBD Financial Services transactions above AED 200,000.

    You will need to use your token for the following Mobile Banking transactions:

    All bill payments and fund transfers above AED 25,000 (this excludes your own account transfers).
    Please call use on 600 575 556 to disable your token. Or you can disable it in Online Banking (Services-Requests).
    Easy! Just enter the 4 fixed digits PIN which you created/selected followed by the 6 digits that is displayed on your hard or digital token.

    To setup token PIN:

    Login to Online banking and go to Services page.
    Under Online Settings, select “Token PIN Generation” from Request Type drop down menu.
    Enter token pass-code (6 digit number on your token) and click on submit.
    Enter the new four digits PIN and confirm the same.

    Your User ID will remain active and you can return at any time.

    Logging off is very important to keep your banking information secure. It is recommended that you log off for privacy and security reasons. If you do not log off, other users may be able to view or change your information. For additional security, it is recommended that you also close your web browser.

    You have 3 attempts only to enter your correct Password before your account gets locked. If your account is locked, you can reset your Password through Forgot Password screen. Otherwise, please call our Call Center 600 575 556 to speak with one of our customer service agents to help you unlock your password.

    You can start using CBD Online Banking immediately, once you complete the self-registration process.

    There are no registration or monthly usage fees. However, there is a small charge of AED 25 for re-issuing a transaction pin manually.

    The user ID is a unique name which you choose. No one else can have the same user ID as yours. The user ID must be:

    • 6 to 8 characters long.

    • It cannot start with number.

    • Must be alphanumeric.

    • It cannot contain any characters like &; > " ' % ; ) ( &  + -  ! @ # $ * = .

    To be able to register for CBD Online Banking, all you need is a Current or Savings accounts, Call or Fixed deposit, or a Loan or Credit Card account. Please call us on 600 575 556 to find out more about Online Banking.

    If you are a CBD customer, you're automatically eligible for CBD Online Banking.

    Create username and password by clicking on Register and then just follow the instructions to finish creating your very own personal CBD Online Banking account.

    Apply now is a new function where you can easily apply for different products, such as account, personal loan and credit card. While applying, please have handy your passport with a valid residence visa and Emirates ID.

    You can perform all Transfers and Bill Payments through CBD Online Banking.

    We do offer a lot in CBD Online Banking. Register for our CBD Online Banking where you can enjoy following benefits and features:

    • Account management (view all accounts and view accounts’ transactions).

    • Credit card management (view all credit cards and view credit card’s transactions).

    • Transfer funds in different currencies (to your own accounts, other CBD accounts, other banks' accounts).

    • Bill payments (Etisalat, Du, utility companies, Salik recharge).

    • Beneficiary management (set up and modify your beneficiaries).

    • Make requests for different services, like address update, cheque books request, etc.

    • Apply online for different products, like accounts, credit cards and personal loan.

    • Manage your day-to-day finances by using unique Budget and Track tool.

    Where to start...There are multiple benefits: CBD Online Banking lets you access your banking information in one place and manage online transactions from anywhere at anytime; it helps you manage your finances with Budget and Track tool; through CBD Online Banking you can apply for different products. It's easy to register for, easy to use, safe and convenient. The possibilities are various, just try it out and see for yourself.

    CBD Online Banking is a fast, simple and convenient way to do your online banking. It allows you to access your account information, do payments, inquire about your banking information and much more, with the highest security measures to ensure your data and financial information is secure. CBD Online Banking gives you real time access to your accounts information round the clock.

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