| Questions | Answer |
| How much cash can I withdraw from CBD ATM? |
|
| Where can I find CBD ATM Machines? | You can use our Branch and ATM locator branch-atm-locator to locate your nearest ATM. |
| Can I swap my existing property with another one? | The property cannot be swapped. The loan/finance needs to be settled in full before it can be closed. |
| CBD Branch timings and location? | You can use our Branch and ATM locator branch-atm-locator to locate your nearest ATM and timings. |
| What happens if I instruct the Bank to hold further payments to the developer? | Payment for properties under construction will follow stipulated payment schedule on the Sale Purchase agreement. Such request for stopping payment will require approved revised payment plan from developer. Please arrange for an appointment with our Mortgage advisor to get further details. |
| How do i apply to defer mortgage payment? | Although payment holiday is not available for Home Finance. Payment holiday is being offered to selected existing customers having satisfactory repayment history & meeting other internal criteria defined by the bank. Please chat with one of our Live Chat Agent to know more details |
| Do you provide mortgages for properties located in all Emirates? | For UAE Nationals we provide mortgages on properties located in all Emirates, as long as a mortgage can be registered in favor of CBD. For Expats, we currently provide finance only for properties located in Dubai (Freehold & Leasehold)& Abu Dhabi (Approved list of developers) |
| Is my rental income considered in eligibility calculation for home finance? | The discounted rental income as per Mortgage regulations stipulated by CB UAE can be considered based on the following criteria: • Rental income can't be higher than 50% of your monthly income. • Rental income must be supported with tenancy contracts and bank credits. • Rental income is discounted as per Bank’s policy to cover maintenance and occupancy rates depending on market cycle . Please arrange for an appointment with our Mortgage advisor to get further details. |
| Is valuation of property mandatory to get a home finance? | An Independent valuation of the property is mandatory & must be carried out on behalf of the Bank by our approved evaluators. |
| Is CBD home finance available for non-UAE residents? | We do offer home finance for non-UAE residents. Please chat with one of our Live chat Agent to check your eligibility which depends on the Bank’s internal policy. |
| Do you have an approved list of projects on which home loan is available? | For ready properties we offer finance for all free hold and lease hold properties in Dubai, We have a list of projects for off plan properties in Dubai and Ready properties in Abu Dhabi on which home loan is available. Please chat with one of our live chat agent to check approved projects for Mortgage loan |
| List of Approved Developers for home finance | Please chat with one of our Live Chat Agent to view list of approved developers for off plan Mortgage Loan or Home Finance. |
| home finance for Leasehold Properties | CBD offers Home Finance for Leasehold Properties subject to: • Balance Lease Period to be greater than Loan/finance tenor • Mortgage creation in Land Department/Municipality Office • Lien registered in Developers Records |
| Home Finance on Gifted Properties | CBD offers Home Finance on Gifted / Granted Properties to UAE Nationals subject to: • Applicant working in in Govt./Semi-Govt. in the emirates of Dubai, Abu Dhabi and Sharjah & Federal Govt. across all Emirates • Gifted land should not be primary residence of the borrower • The Purpose of finance should only be for construction & or extension of the residential gifted land • Upfront approvals required from respective Lands Dept. and Municipality allowing first degree or second degree mortgage charge • LTV of up to 80% of the construction value if there is no Govt aid. However in case of Govt aid, provided then 100% financing of construction value (minus the government aid) • Mandatory Salary transfer to CBD • Customers written consent on property will solely be used for investment/rental purposes and shall not under any circumstances be used for self-use • Customer to provide copy agreements with contractor & consultant along with stage wise payment schedule • Gifted land needs to be converted to Freehold and fresh Title Deed with freehold status to be provided in case standard criteria for UAE Nationals to be applied. |
| Property Evaluation validity | Property Evaluation is valid for 60 days, beyond which re-validation is required |
| Mortgage Loan for Land Financing | CBD offers Home Finance for Freehold Land Financing with the below conditions: • Max. 50% LTV based on current evaluated value of the land • Max. Finance amount restricted to AED 10MN • Max. Tenor to be capped at 15 yrs. Please arrange for an appointment with our Mortgage advisor to get further details. |
| Joint Borrowing for home finance | Home Finance can be availed jointly by maximum 2 applicants who are not minor & are related parties |
| Max number of home finance | Home Finance can be availed with the following conditions: UAE Nationals: Max. 2 on & off us subject to Max. 65% LTV’s on 2nd property Expats: Max. 3 on & off us subject to Max. 60% LTV’s on 2nd & subsequent property |
| Approved Property valuators | CBD has approved List of Valuation Companies for Home finance. Please chat with one of our live chat agent to view the list of valuation companies. |
| How to Setup Standing Order? | You can set up a standing order by login through CBD Online Banking and select standing orders under 'Transfer' Tab. To set up standing order for other purposes, please visit your [nearest branch](https://www.cbd.ae/general/branch-atm-locator), we will be happy to assist you. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| Modify or cancel standing order | Login to CBD Online Banking, go to 'Accounts' page, click on the account number and select 'Standing Order' tab. You will get a list of your standing orders, next to each standing order you will have options to edit or cancel the standing order. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| standing order charges and Standing Order modification charges | Below you can find standing order charges: Standing Order - Set-up: AED 52.50 (Waived for CBD Private customers) Non-Execution of S/O due to lack of funds: AED 26.25 Standing Order amendment charges:AED 26.25 Standing Order transaction charges: Charges as per MC/DD Swift charges |
| How to get OTP? | Your mobile number may not be updated with us. Please login to CBD Mobile or Online Banking and update your mobile number. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| Dining Offers, Discounts and Lifestyle offers | Enjoy hundreds of dining and lifestyle offers across the UAE via CBD Mobile App! • Login to CBD Mobile App and Click on 'Offers' tab 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. • You can also view the nearest offers to you. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| how to change Language mobile | CBD Mobile app is available in both Arabic and English, you can change your desired language anytime. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| Transfer History via Mobile App | To view transfer history, just follow provided steps: • Login to CBD Mobile App • Go to ' Transfer' and select 'Transfer' and Click on 'History' • You will also have the option to view transaction details and status of transfer. • You will also have the option to stop/amend and recall your transfer. |
| how to pay credit card bill | You can pay your CBD credit card, other CBD credit card and other banks card bill by following these few steps: • Login in to CBD Mobile App • Select 'Pay' from the app menu and Select 'Credit cards' • Select type of desired credit card payment. • Enter the payment details, confirm it and it's done! [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| How to add credit card beneficiary via CBD Mobile App? | You can add Other CBD Credit Card beneficiary and other Banks Credit Card beneficiary by following these few steps: • Login in to CBD Mobile App • Select 'Pay' from the app menu and Select 'Credit cards' • Click on '+New' and select 'Add new credit card only' • Select 'Other UAE Banks' or 'Other CBD Cards' from dropdown list • Enter the required details and click 'Next' • Verify the details and submit the request. Credit Card Beneficiary will be added successfully. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| How to delete credit card beneficiary via CBD Mobile App? | You can delete Other CBD Credit Card beneficiary and other Banks Credit Card beneficiary by following these few steps: • Login in to CBD Mobile App • Select 'Pay' from the app menu and Select 'Credit cards' • Click on 'Edit' under 'My cards' • Click on delete icon and click on 'DELETE' [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| How to edit credit card beneficiary via CBD Mobile App? | You can modify Other CBD Credit Card beneficiary and other Banks Credit Card beneficiary by following these few steps: • Login in to CBD Mobile App • Select 'Pay' from the app menu and Select 'Credit cards' • Click on 'Edit' under 'My cards' • Make changes in beneficiary details and click 'SAVE' [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| how to enable or modify smart notification? | Stay in control of your transactions and account balance with our timely push notifications. • Login to CBD Mobile App and Click 'More' • Go to 'My profile' and select 'Preferences' tab. • Enable your desired Smart notification. • Click on 'Smart Notifications' to enable your desired transaction. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| Can I change my profile picture in CBD mobile App? | You can personalize your app by adding a profile picture. Login to CBD Mobile App, click on 'More' and select 'My profile'. You can add a picture by clicking on 'Add my photo'. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| is login ID for mobile and online is same? | You can use your CBD Online Banking User ID and Password to Login. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| How to reset forgot User ID mobile? | Just click on 'Forgot Password' from CBD Mobile App login screen and fill the required information. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| Can I enable Touch ID or Face ID on CBD mobile app? | If your smartphone has a fingerprint option, you can activate Touch ID by following below steps: • Login in to CBD Mobile App and select 'My Profile' under 'More' tab • Enable Touch ID under 'Security' tab For iPhone X, you can also enable Face ID under security settings. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| Unable to register mobile app | If you are having issues with Mobile Banking registration, please call us on 600 575 556, we will be happy to assist you. |
| How to enroll for Smiles UAE? | You can enroll to the Smiles program by following 3 simple steps: • Download the Smiles UAE app from [Apple store](https://apps.apple.com/ae/app/smiles-uae/id1225034537) or [Google Play store](https://play.google.com/store/apps/details?id=ae.etisalat.smiles&hl=en) • Open the app and enter the mobile number you wish to enroll and followed by the one-time-password received • Enter the profile details to complete the enrolment Alternatively you can apply for a CBD Smiles Credit Card and we will enroll you in the program on your behalf. |
| Options available to redeem smile points | Smiles points can be redeemed for any of the following: • To pay Etisalat bills (e-life, internet, television etc.) • To recharge pre-paid numbers • Subscribe for Buy 1 Get 1 offers • Shopping vouchers at over 1000 brand/stores in the UAE • To purchase mobile phones |
| Can I earn CBD Rewards points on Smile Visa Signature card? | CBD Rewards are not rewarded on CBD Smiles Credit Card, spends on CBD Smiles Credit Card shall earn only Smiles points. |
| Minimum smiles points I can redeem | There is no minimum Smiles points balance required for redemptions which shall allow to use Smiles points + Card payment. There are certain redemptions which can be fully redeemed by using Smiles points or fully by using the Credit Card. |
| Maximum smiles points I can redeem | There are no restrictions on redeeming Smiles points. The maximum Smiles points redeemed is subject to the value of the shopping voucher or amount due on Etisalat bills. |
| Expiry of Smiles Points | Smiles Points earned have an expiry of 2 years from the date of earning. Please note that expiry of Smiles Points is governed by the Terms and Conditions of Smiles by Etisalat as published on www.smiles.etisalat.ae. We would strongly recommend you to familiarize yourself with these Terms and Conditions. |
| How can I cancel Smiles membership | If you hold a CBD Smiles Credit Card, we recommend you to first cancel the Credit Card and then contact 800101 at cancel the Smiles membership. |
| Having issues while redeeming Smiles points | As Smiles program is maintained and governed by Etisalat, we recommend you to contact 800101 for any complaints regarding Smiles points redemptions. |
| How can I change my Smiles visa signature card to standard card? | You can call us at 600 575 556 to convert your Smiles Visa Signature Credit Card to Visa Signature Credit Card. |
| How can I change my Smiles visa platinum card to standard card? | You can call us at 600 575 556 to convert your Smiles Visa Platinum Credit Card to Visa Platinum Credit Card. |
| How to check credit card application status? | To find out your Credit Card Application status, you can always connect with one of our agents using the Live Chat option. |
| Reason to decline my card application | We regret to inform you that your credit card application has been declined as it does not fulfil the Bank's credit policy requirements at this point in time. To know more about your credit card application, you can always chat with one of our Live Chat Agent. |
| When will I get my credit card? | You will receive your Credit Card within 3 to 5 working days. The courier will contact you for delivery. To find out more about your credit card application, you can always chat with one of our Live Chat Agent. |
| How long to process credit card application applied through mobile application? | When you submit your Credit Card application request through any of our Digital Channels, you will receive a confirmation through email and SMS within 1 working day. To know more about your credit card application, you can always chat with one of our Live Chat Agent. |
| How to block credit card permanently? | In case your credit card is lost or stolen, please log in to CBD Mobile please follow the below steps: • Login to CBD Mobile Banking • Go to 'Cards' and select the card you wish to block • Click on 'Manage' and select 'Report lost or stolen' • Select Block reason and click 'Block Card' Card will be blocked permanently. You can request for card replacement at the same time. |
| How to block credit card temporarily | Please log in to CBD Mobile and follow below steps to block the Credit Card temporarily: • Login to CBD Mobile Banking • Go to 'Cards' and select the card you wish to block temporarily • Click on 'Manage' and select 'Temporarily lock card' Card will be blocked temporarily. |
| How to unblock credit card? | Please log in to CBD Mobile and follow the below steps to unblock the Credit Card. Please note that you can only unblock those Credit Cards that are temporarily blocked. • Login to CBD Mobile Banking • Go to 'Cards' and select the card you wish to unblock • Click on 'Manage' and select 'Unblock card' Card will be unblocked and ready to use instantly. |
| How to update travel plan? | If you are planning to use your Credit Card while travelling abroad, Please log in to CBD Mobile or Online Banking to update Travel Plan. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to update travel plan? | Please follow below steps to update Travel Plan: • Login to CBD Mobile Banking • Go to 'Cards' and select the Primary Credit Card • Click on 'Manage' and select 'Travelling abroad' • Enter the required details and click on 'Confirm'. |
| How to change supplementary credit card limit? | Please log in to CBD Mobile and follow the below steps to update Supplementary Credit Card limit: • Login to CBD Mobile Banking • Go to 'Cards' and select the Supplementary Credit Card • Click on 'Manage' and select 'Set your limit' • Set the required Credit Card limit for Supplementary Card and click on 'Confirm'. |
| How to cancel balance transfer? | In order to cancel Balance Transfer Plan before maturity, you are requested to call us at 600 575 556. Please note that Balance Transfer Cancellation charges may apply. [Click here](https://www.cbd.ae/general/fees-charges) to learn more about Fees & Charges |
| How to cancel Cash On Call? | In order to cancel Cash on Call Plan before maturity, you are requested to call us at 600 575 556. Please note that Cash on Call Cancellation charges may apply. [Click here](https://www.cbd.ae/general/fees-charges) to learn more about Fees & Charges |
| How to cancel easy payment plan? | In order to cancel Easy Payment Plan before maturity, you are requested to call us at 600 575 556. Please note that Easy Payment Plan Cancellation charges may apply. [Click here](https://www.cbd.ae/general/fees-charges) to learn more about Fees & Charges |
| how to increase credit card limit? | You can apply for a Credit Card Limit increase by visiting any of our branches or calling us at 600 575 556. [Click here](https://www.cbd.ae/general/branch-atm-locator) to locate nearest Branch/ATM |
| How to decrease credit card limit? | You can request for a Credit Card Limit decrease by visiting any of our branches or calling us at 600 575 556. [Click here](https://www.cbd.ae/general/branch-atm-locator) to locate nearest Branch/ATM |
| how to activate auto debit facility? | Please log in to CBD Mobile and follow the below steps to enroll for Auto Debit Facility: • Login to CBD Mobile Banking • Go to 'Pay' page from the app menu and select 'Credit cards' • Go to 'My Cards' from top of the screen • Select' Set to Auto-pay' • Choose desired account to pay from and the % of the auto payment (min 5% and max 100%) • Review request details, accept T&C and confirm your request |
| How to deactivate auto debit service? | You can request to de-enroll the Auto Debit Facility by calling us at 600 575 556. |
| How to change auto debit percentage | You can request to change your Auto Debit Percentage by calling us at 600 575 556. |
| How to see card statement auto debit percentage from Online banking? | Login to CBD Online Banking and select 'Accounts' tab. Select the 'Cards' tab and click on 'Card Details' button under 'Credit Cards' section. You can view your credit card auto debit percentage in the Credit Card Details section. You can also view your credit card details via CBD Mobile App. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to see card statement auto debit percentage from Mobile banking? | To view your credit card auto debit percentage, login to CBD Mobile App and either click on the card account on the Dashboard or go to 'Cards' tab and browse for your credit card. You can view your credit card auto debit percentage in the Credit Card Details section. |
| How to view account linked with my credit card for auto debit? | You can call us at 600 575 556 to know the Cash Available Limit for your Credit Card. |
| how to view card limit for online banking? | Login to CBD Online Banking and select 'Accounts' tab. Expand 'Cards' option and click on 'Card Details' button under 'Credit Cards' section. You can view your credit card limit in the Credit Card Details section. You can also view your credit card details via CBD Mobile App. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to view card limit for mobile banking? | Login to CBD Mobile App and you can see your Credit Card limit on the dashboard right next to your card account. Once you click on the card, you will get all the details related to your card. Alternatively, you can select the credit card under 'Cards' tab to get the full list of details. |
| How to view supplementary card limit on online banking? | Login to CBD Online Banking and select 'Accounts' tab. Expand 'Cards' option, find the Supplementary Card under 'Credit Cards' section and click on 'Card Details' button . You can view your supplementary credit card limit in the Credit Card Details section. You can also view your credit card details via CBD Mobile App. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to view supplementary card limit on banking? | Login to CBD Mobile App and you can see your Credit Card limit on the dashboard right next to your supplementary card account. Once you click on the card, you will get all the details related to your supplementary card. Alternatively, you can select the supplementary credit card under 'Cards' tab to get the full list of details. |
| How to view last 5 transactions on credit card on online banking? | Login to CBD Online Banking and select 'Accounts' tab. Expand 'Cards' option and click on 'Statement' button under 'Credit Cards' section. Click on 'View Current Activity' to view your recent transactions. You can also view your recent credit card transactions via CBD Mobile App. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to view last 5 transactions on credit card on mobile banking? | Please follow the below steps to view your recent credit card transactions: • Login to CBD Mobile App • Either click on the card account on the Dashboard or go to 'Cards' tab and browse for your credit card. • Select 'Transactions' tab to view last 5 credit card transactions |
| How to view merchant details on credit card? | Please follow the below steps to view your credit card transaction details: • Login to CBD Mobile App • Either click on the card account on the Dashboard or go to 'Cards' tab and browse for your credit card. • Select 'Transactions' tab where you can generate your statements or view last 5 transactions to see all transaction details including merchant details. |
| How to check balance transfer outstanding balance on online banking? | Login to Online Banking and download your Credit Card Statement from 'Statement' tab under Cards to view your Balance Transfer Outstanding Balance. You can also download Credit Card statement via CBD Mobile App. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to check balance transfer outstanding balance on mobile banking? | Login to CBD Mobile App and download your Credit Card Statement from 'Statement' tab under Cards to view your Balance Transfer outstanding balance |
| How to check cash on call outstanding balance on online banking? | Login to Online Banking and download your Credit Card Statement from 'Statement' tab under Cards to view your Cash On Call Outstanding Balance. You can also download Credit Card statement via CBD Mobile App. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to check cash on call outstanding balance on mobile banking? | Login to CBD Mobile App and download your Credit Card Statement from 'Statement' tab under Cards to view your Cash On Call Outstanding Balance |
| How to check easy instalment plan outstanding balance on online banking? | Login to Online Banking and download your Credit Card Statement from 'Statement' tab under Cards to view your Easy Payment Plan Outstanding Balance. You can also download Credit Card statement via CBD Mobile App. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to check easy instalment plan outstanding balance on mobile banking? | Login to CBD Mobile App and download your Credit Card Statement from 'Statement' tab under Cards to view your Easy Payment Plan Outstanding Balance |
| How to check credit card expiry date? | Please login to CBD Mobile App and follow below steps to check Credit Card Expiry Date: • Login to CBD Mobile App • Go to 'Cards' tab and browse for your credit card. • Click 'Details' tab and you can view 'Expiry date' of your selected Credit Card |
| How to request for card transaction dispute? | To register a Credit Card transaction dispute, you can start Live Chat with our agents right now. We will be happy to assist you. |
| Raise a complaint for my credit card | To register a complaint or issue related to your Credit Card, you can start Live Chat with our agents right now. We will be happy to assist you. |
| Delay in credit card delivery | For issues related to delays in delivery of your Credit Card, you can start Live Chat with our agents right now. We will be happy to assist you. |
| Credit card request is pending | For any delay in providing Credit Card Services, you can start Live Chat with our agents right now. We will be happy to assist you. |
| Credit card application is pending | For any delay in processing Credit Card Application, you can always chat with one of our Live Chat Agent. |
| How to report fraud on my credit card | If you suspect a fraudulent transaction on your Credit card, immediately block your Credit Card using the Mobile app or by contacting the bank. To report a fraud on your Credit Card, you can always chat with one of our Live Chat Agent. We will be happy to assist you. |
| When will my credit card renewed? | Your Credit Card will be automatically renewed 2 months prior to expiry and a new Credit Card will be delivered to you before the old Credit Card expires. |
| Can I transfer funds using my credit card? | You can request for the Cash on Call facility to transfer funds from your CBD Credit Card to an account in the UAE in your name. Third party funds transfers are not allowed from your CBD Credit Card. |
| What is credit card limit? | A credit limit is the maximum amount that can be borrowed on a credit card without any penalty. Exceeding the credit limit results in an overlimit fee. |
| Is there a time limit to activate my credit card? | Please activate your card within 2 months or it will be disabled and the card will need to be replaced. |
| How many supplementary cards for primary card I can apply? | CBD offers up to 4 supplementary credit cards against a primary card. |
| Can I use blocked credit card? | Unfortunately, you cannot use an Inactive or blocked Credit Card. Your card needs to be activated before you can start enjoying it. |
| What are Card Purchases | Card purchases include anything you buy with your credit card excluding Balance Transfers, Money Transfers, Credit Card Cheques, Cash Withdrawals, Foreign Currency, Travelers Cheques, Postal Orders, Gambling Transactions and Electronic Transfers of Cash. |
| What is credit card transaction dispute? | The most common types of Credit Card Disputes are: • Non Receipt of Goods • Recurring Transactions • Non Receipt of Service • Goods or Service Not as Described • Defective Goods |
| How to cancel credit card? | We are sorry that you wish to discontinue your Credit card and would love to know how we can serve you better. If you would like to close your credit card account, please contact us at 600 575 556. |
| How to check last 5 transactions on account using online banking | You can login to CBD Mobile or Online Banking to view your last transactions on the account. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to check last 5 transactions on account using mobile banking | To view your last transactions, please follow below steps: • Login to CBD Mobile App • Select the account from the Dashboard or after clicking on 'View all accounts' Your last 5 transactions will be listed. |
| How can I view my PDC in the account? | If you have submitted a post-dated cheque, it will automatically show under your Accounts page. |
| How to raise a dispute regarding account? | You can contact your nearest Branch or our Call Centre on 600 575 556 at any time. We're at your service round the clock! [Click here](https://www.cbd.ae/general/branch-atm-locator) to locate nearest Branch/ATM |
| How to add joint account holder? | If you want to add a joint account holder, you can visit any of our branches along with the joint account holder. Please bring the passport, residence visa and Emirates ID for you and the joint account holder - we require these to complete the process. |
| What can I view under post-dated cheque account? | You can view your cheque number, book date, cheque date, cheque amount, drawee bank and cheque image. |
| How to encash a cheque? | To encash a cheque at the counter, you will need to present your original Emirates ID or other acceptable original identification document such as passport and driver license. Please note that crossed cheques (two parallel lines and/or words such Account Payee) should be deposited directly into your account through our Cheque Deposit Machines. |
| How often can I receive account estatements? | Please note that account Estatement will be sent on monthly basis on email ID registered with CBD. However you can always login to CBD Mobile or Online Banking to generate estatements whenever and as often as you want. |
| Can I receive estatements on more than one email address? | Account statements will be sent electronically on primary email ID registered with CBD. Please note physical statements will not be sent. You can always login to CBD Mobile or Online Banking to generate estatement whenever and as often as you want. |
| when will my debit card be delivered? | Your debit card will be delivered to you within 24-48 hours of opening an account with us. If you want to check the delivery status you can live chat with one of our customer service agents now |
| How to activate Debit card? | To activate your new Debit Card, you can do any of the followings: • Login to CBD Mobile or Online Banking to activate your Debit card • SMS ACT along with the last 4 digits of your debit card number to 4266 (e.g. ACT 1234) from your registered mobile number. • Call 600 575 556 and follow the instructions on the Interactive Voice Response system (IVR) or speak to one of our Phone Banking representatives. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to replace my debit card | please log in to CBD Mobile and follow the below steps to replace your Debit Card: • Login to CBD Mobile Banking • Go to 'Cards' and select the card you wish to replace • Click on 'Report lost or stolen' • Select either 'Lost' or 'Stolen' and click on 'Block Card' Your current debit card will be blocked and debit card replacement request will be submitted successfully. |
| Is it possible to increase my limit of withdrawal cash on my debit card? | If you wish to increase your debit card cash withdrawal limit, please visit your nearest CBD Branch or contact our Call Center on 600 575 556 for more information on this. |
| How to raise a debit card issue? | You can contact your nearest Branch or our Call Centre on 600 575 556 at any time. We're at your service round the clock! [Click here](https://www.cbd.ae/general/branch-atm-locator) to locate nearest Branch/ATM |
| Primary cardholder to activate supplementary card | 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. |
| What is Global ATM Alliance? | A traveling cardholder’s true friend! The Global ATM Alliance allows you to withdraw cash from its member ATMs without being charged any extra fees. And the best part? CBD is a member bank. |
| How to reset debit card pin? | If you forgot your debit card PIN or if you want to unlock your PIN, please follow below steps to unlock or reset debit card pin • Login to CBD Mobile Banking • Go to ‘Cards’ and select the Debit Card • Click on 'Change or unblock PIN' • Enter PIN and confirm the same PIN and click Next • Enter the OTP you received on your mobile number and click next |
| How to block debit card permanently? | In case your debit card is lost or stolen, please log in to CBD Mobile App and follow the below steps: • Login to CBD Mobile Banking • Go to 'Cards' and select the card you wish to block • Click on 'Report lost or stolen' • Select either 'Lost' or 'Stolen' and click on 'Block Card' Your current debit card will be blocked and debit card replacement request will be submitted successfully. |
| How to block Debit card temporarily? | Please log in to CBD Mobile App and follow the below steps to block the Debit Card temporarily: • Login to CBD Mobile Banking • Go to 'Cards' and select the card you wish to block temporarily • Click on 'Temporarily lock card' Card will be blocked temporarily |
| How to unlock temporarily block Debit card ? | If you have put the temporary block on your debit card through CBD Mobile App, you can login to the App and follow the below steps to unlock the card: • Go to 'Cards' and select the card you wish to block temporarily • Click on 'Temporarily lock card' Card will be unlocked successfully. If you have put the block on your card through contact center, please call us on 600 575 556. |
| How to make Debit Card travel update? | While you can enjoy using your CBD Debit card internationally, there are specific countries which pose a fraud risk. Accordingly please call us on 600 575 556 to inform us about your international debit card usage before you travel. |
| We would require the following: • National ID or valid passport • Residence visa • Emirates ID | |
| How can I order for a new Cheque? | I know you're asking about cheques, but I'm not sure of your exact question. Below related queries might help you: |
| What is post-dated cheque? | It is a post-dated cheque that will be credited into your account in the future. |
| What is post-dated cheque account? | It is an account that has future dated cheque. The cheque cannot be cashed until the due date. Under this account you can view your cheque details such as cheque image, cheque amount, cheque expiry date and drawee bank. |
| Can I apply for personal loan without salary transfer? | Thank you for you interest in the CBD Personal loan. We do offer personal loan without salary transfer with competitive interest rate with loan amount up to AED 150,000/- for Expats. |
| Do you offer life Insurance on personal loan? | We offer a Group Credit Life cover with every personal finance which will repay the outstanding amount in this situation. You can chat with one of our representatives for further details |
| How to check Personal loan application status? | Loan approval takes 3 working days. You can always chat with one of our Live Chat Agents. |
| How to check Personal loan Top up application status? | Loan Top Up approval takes 3 working days. You can always chat with one of our Live Chat Agents. |
| Why my Personal loan application is rejected? | We regret that your Personal Loan application has been declined due to not meeting the Bank's Credit Policy at this point in time. |
| Have complaint for my Personal Loan | To raise any complaint or issue related to your Personal Loan you can start a Live Chat with our agents right now. We will be happy to assist you. |
| No call after applying for Personal loan | For any delay in processing your Personal Loan application, you can always chat with one of our Live Chat Agents. |
| How to check Vehicle finance application status? | Finance approval takes 3 working days, you can always chat with one of our Live Chat Agents. |
| Why my Vehicle finance application is rejected? | We regret that your Vehicle Finance application has been declined due to not meeting the Bank's Credit Policies at this point in time. To know more about your Vehicle Finance application, you can always chat with one of our Live Chat Agents. |
| Have issue with my Vehicle finance | To raise any complaint or issue related to Vehicle Finance you can start Live Chat with our agents right now. We will be happy to assist you. |
| What is the status for my Vehicle finance application ? | For any delay in processing Vehicle Finance Application, you can always chat with one of our Live Chat Agent. |
| Can I Access mobile app if not registered for online banking? | You can access to Mobile Banking even if you are not registered for Online Banking. Just download CBD Mobile App and follow registration steps. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| How to activate online with account? | To register for Online Banking, please follow below steps: • Go to CBD Online Banking and select 'Register Now' on login page • Select 'Account or Debit Card' from the product list • Enter your full 16 digits debit card # or 10 digit account #, followed by the code which appears on the verification image • Enter 4 digits debit card PIN. • Continue by clicking the 'Get Security Code' button to receive your security code via SMS on the mobile number registered with us • Create user ID and password and registration will be completed [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to activate online banking for credit card holder? | To register for Online Banking, please follow below steps: • Go to CBD Online Banking and select 'Register Now' on login page • Select Credit Card from the product list. • Enter your full 16 digits credit card, followed by followed by the alphanumeric code which appears on the verification image • Click on continue to receive your security code via SMS on the mobile number registered with us • Enter cardholder date of birth and 7 digits of Emirates ID • Create user ID and password and registration will be completed [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to get user ID online? | Just go to Online Banking Login page and click on 'Forgot user ID' • For account holders: You will need your account number and debit card PIN to retrieve your user ID. • For credit card only customers: You will need your credit card number and Emirates ID details to retrieve your user ID. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to unblock mobile user ID | Access to the CBD Online Banking is locked after the fourth invalid login attempt. To reset your password, go to Online Banking login page and enter your User ID. Click on 'Reset/Forgot Password' to reset it. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| Cannot register for internet banking | I am sorry you are having issues registering for Online Banking. Possible reasons for failed registration: • You are already registered • Your account is inactive/dormant • User ID/Password are not as per policy You can start Live Chat with our agents who will assist you. |
| Cannot login for internet banking | I am sorry you are having issues with Online Banking login. You can start Live Chat with our agents who will assist you. |
| Steps to pay Zakat digital | You can pay three types of Zakat through CBD Mobile (Pay- Transfer- Zakat) and Online Banking (Transfers-Zakat): • Zakat Al Mal • Zakat Al Fitr • Sadaqat donations (voluntary charity) [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| Deposit money using ATM | You can deposit cash in two ways at CBD ATMs: 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. To find out ATM Locations, login to Mobile Banking and use ATM Locator under 'More' tab or[click here](https://www.cbd.ae/general/branch-atm-locator). |
| Card got captured in ATM | You may immediately login to CBD Mobile App to block the card. Simply login to CBD Mobile App, go to 'Cards' tab, select the card and select 'Report lost or stolen'. [Download CBD Mobile App-IOS](https://itunes.apple.com/ae/app/cbd/id524929197?mt=8) | [Download CBD Mobile App-Android](https://play.google.com/store/apps/details?id=com.cbd.mobile&hl=en) |
| How to register for Telephone identification number | You can register for Phone Banking by contacting us on 600 575 556 and following these steps: • Select the option of (CBD Customer) • 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 |
| How to reset Phone Banking TIN? | You can reset your TIN through CBD Online Banking or by calling us on 600 575 556 and following these steps: • Enter the Telephone Identification Number (TIN) which you may remember and when it is entered wrongly for three times, it will get locked and the system will prompt you to request for a new one • Select the option to request a new TIN • 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 |
| What is Financial Telephone Identification Number? | FTIN is your secret Financial Telephone Identification Number which is used to perform financial transactions through Phone Banking. |
| How to reporta security problem | If you think you may have disclosed your account details to a suspicious party or are suspecting fraud, please contact us immediately by calling 600 575 556 or email to [email protected]. [Click here](https://www.cbd.ae/general/security) to learn more about CBD Security |
| Somebody has access to my mobile banking | Please change your password immediately and contact us on 600 575 556. [Click here](https://www.cbd.ae/general/security) to learn more about CBD Security |
| How can I pay Zakat digital | Login to CBD Mobile App and go to 'Pay' tab and choose 'Transfers' option. Click on 'New' and select 'Zakat'. Select charity type, enter the amount and submit request. |
| I am not getting SMS alert and otp | Your mobile number may not be updated with us. Simply login to CBD Mobile App and update your mobile number under 'My Profile' tab. |
| I want clearance letter for my account or apply for liability letter | Please visit nearest CBD Branch to request for the service. [Click here](https://www.cbd.ae/general/branch-atm-locator) to locate nearest Branch/ATM [General Fees and Charges](https://www.cbd.ae/general/fees-charges) |
| How can I check my VAT invoices? | Login to CBD Online Banking and select 'Accounts' tab. Expand 'VAT Invoices' option. You can download invoice statement by clickingon 'PDF Download' button. [Click here](https://www.cbd.ae/ccib/T001/ENULogin.jsp) to login Online Banking |
| How to modify credit card beneficiary through online banking? | You can login to CBD Online Banking to edit your credit card transfer beneficiaries under 'Transfer' tab. . You can also delete beneficiary through CBD Mobile App. |
| How to delete credit card beneficiary through Online banking | You can login to CBD Online Banking and can delete credit card beneficiary under 'Transfers' tab. You can also delete credit card beneficiary through CBD Mobile App. |
| Funds transfer is declined or transfers problem | To report any funds transfer issue, you can start a Live Chat with our agents right now. We will be happy to assist you. |
| How to add CBD card in google pay? | Enroll in Google Pay in just 3 steps • Login to CBD Mobile Banking App and select "Cards" tab • Select the Credit Card you wish to add and proceed to "Manage" tab • Select "Add to Google Pay" to add your Credit Card in Google Pay wallet. IT'S DONE! Alternatively you can also open Google Pay wallet and enter the card details manually and enter the OTP sent to your registered mobile number to complete the registration. [Click Here](https://www.cbd.ae/wallets/google-pay/) for more details of Card Registration |
| How to add CBD card in Samsung pay? | Enroll in Samsung Pay in just 3 steps • Login to CBD Mobile Banking App and select "Cards" tab • Select the Credit Card you wish to add and proceed to "Manage" tab • Select "Add to Samsung Pay" to add your Credit Card in Samsung Pay wallet. IT'S DONE! Alternatively you can also open Samsung Pay wallet and enter the card details manually and enter the OTP sent to your registered mobile number to complete the registration. [Click Here](https://www.cbd.ae/SamsungPay/samsung/) for more details of Card Registration |
| How to add CBD debit card in google pay? | Enroll your CBD Debit Card in Google Pay in just 3 steps • Login to CBD Mobile Banking App and select "Cards" tab • Select the Debit Card you wish to add • Select "Add to Google Pay" to add your Debit Card in Google Pay wallet. IT'S DONE! Alternatively you can also open Google Pay wallet and enter the debit card details manually and enter the OTP sent to your registered mobile number to complete the registration. [Click Here](https://www.cbd.ae/wallets/google-pay/) for more details of Card Registration |
| How to add my card in apple pay? | Enroll in Apple Pay in just 3 steps • Open CBD Mobile Banking App and select "Cards" tab • Select the Debit Card you wish to add and proceed to "Manage" tab • Select "Add to Apple Pay" to add your Credit Card in Apple Pay wallet. IT'S DONE! Alternatively you can also open Apple Pay wallet and enter the card details manually and enter the OTP sent to your registered mobile number to complete the registration. [Click Here](https://www.cbd.ae/wallets/apple-pay/) for more details of Card Registration |
| Replace device for Digital wallet | In even of replacing your device, you would be required to register your cards again in the Apple Pay, Samsung Pay and Google Pay app, make sure you delete the cards from your old device if you wish not to use the old device. [Click here](https://www.cbd.ae/wallets/google-pay/) to read our Frequently Asked Questions |
| Transaction limits through digital wallet | There is no specific transaction limit set for payments using Apple Pay, Samsung Pay and Google Pay. Transaction limits which are applicable on your Debit & Credit Card will be applicable for digital wallet payments subject to available balance in the Debit & Credit Card account. [Click here](https://www.cbd.ae/wallets/google-pay/) to read our Frequently Asked Questions |
| How to remove card from digital wallet? | In event of your device is lost or stolen or damaged, we request you not to panic. We recommend to you contact our 24X7 contact center at 600 575 556 and place a request to delete your card(s) from Apple Pay, Samsung Pay or Google Pay. Also note every payment transaction needs to be authorized using Face ID or Touch ID or Device PIN, hence there is no risk of unauthorized transactions. [Click here](https://www.cbd.ae/wallets/google-pay/) to read our Frequently Asked Questions |
| Card status for digital wallet | Payment transactions via Apple Pay, Samsung Pay or Google Pay shall work only if the physical card is in active state. If the card is replaced then please do add the replaced card in the digital wallet for a successful payment transaction. [Click here](https://www.cbd.ae/wallets/google-pay/) to read our Frequently Asked Questions |
| How can I add my card in digital wallet? | You can add your CBD Credit & Debit Card in just 3 steps • Login to CBD Mobile Banking App and select "Cards" tab • Select the Credit or Debit Card you wish to add and proceed to "Manage" tab • Select "Add to Apple Pay or Samsung Pay or Google Pay" to add your card. IT'S DONE! Alternatively you can also open Apple Pay or Samsung Pay or Google Pay wallet to either scan the card image or enter the card details manually and enter the OTP sent to your registered mobile number to complete the registration. [Click Here](https://www.cbd.ae/wallets/google-pay/) for more details of Card Registration |
| Add wallet beneficiary through mobile app | Login to CBD Mobile App and follow below steps: • Go to “Pay” and select ‘Transfer’ • Click on “Beneficiaries” Tab • Click on “Add a new Beneficiary only” • Select country “Pakistan, Philippines, Bangladesh” or type the name in the search • Select the wallet option : • Click on Allow contact book access to easily add beneficiary from contacts on your mobile • Or close phone book contact and enter beneficiary details manually: • Click on Add Beneficiary button after filling the details • Enter Card PIN and OTP for verification • After successful authentication , Beneficiary is successfully added and you can start sending money |
| Instant transfer options | We offer faster transfers to India,Pakistan,Philippines and Bangladesh using CBD Mobile and Online Banking. Funds can be sent to Bank accounts, wallet or as cash pick up. |
| How to do instant transfer through online banking? | You can send faster transfer to India,Pakistan,Philippines and Bangladesh using CBD Mobile and Online Banking. Click here to login Online Banking |
| How to do instant transfer through mobile banking? | Login to CBD Mobile App and follow below steps: • Go to 'Transfers' and select 'Transfer' • Choose desired beneficiary to India/Pakistan/Philippines/Bangladesh • Enter the required transfer details. • Verify details of transfer and click on confirm. |
| Wallet options to transfer funds | We offer instant transfer to wallet in Pakistan through Easypaisa or Jazz Cash and in Bangladesh through bkash. |
| Add wallet beneficiary using online banking | Login to online banking and follow below steps to add wallet beneficiary through online banking: • Go to “Transfers” and select ‘International transfer’ • Click on ‘Manage beneficiaries’ • Select transfer type as Wallet and click on ‘Add Beneficiary’ • Enter beneficiary details • Select country “Pakistan, Philippines and Bangladesh” • Choose wallet option • Enter Beneficiary first name and last name • Enter Beneficiary nickname • Enter Beneficiary mobile number • Click on confirm to create beneficiary and input your Token PIN • After successful authentication, beneficiary is successfully added and you can start sending money |
| how to transfer funds to wallet using online banking? | Login to online banking and follow below steps to transfer funds to wallet through online banking: • Go to “Transfers” and select ‘Wallet Payment’ • Select wallet • Select Account to Debit • Select Beneficiary • Enter the amount • Select purpose of transfer and enter reference then click on initiate • Verify details and click on confirm and enter your Token PIN • After successful authentication page will be displayed with the transaction reference number |
| How to transfer funds to wallet using mobile banking? | Login to CBD Mobile App and follow below steps to transfer funds to wallet through mobile app: • Go to “Transfers” and select ‘Transfer’ • Click on “+New Beneficiary” Tab • Click on “Transfer to a New Beneficiary” • Click on “ Digital Wallet” • Select wallet “Easypaisa, Jazz Cash, bKash • Click allow contact book access to easily add beneficiary from contacts on your mobile Or close phone book contact and enter beneficiary details manually: • Enter Beneficiary mobile number • Enter Beneficiary first name , and last name • Click on Next • Enter the amount and Purpose of Payment • Click on Next • Select “From Account”, Review details and Click “Pay” • After successful authentication,payment confirmation message will be shown |
| Create new beneficiary for cash pick up through mobile banking | Login to CBD Mobile App and follow below steps to add cash pick up beneficiary through mobile app: • Go to “Transfers” and select ‘Transfer’ • Click on “+New Beneficiary” Tab • Click on “Add a new Beneficiary only” • Select country “Pakistan, Philippines, Bangladesh” or type the name in the search • Select Cash Pick-up • Click on Allow contact book access to easily add beneficiary from contacts on your mobile or close phone book contact and enter beneficiary details manually: • Click on Add Beneficiary button after filling the details • Enter Card PIN and OTP for verification • After successful authentication , Beneficiary is successfully added and you can start sending money |
| Create new beneficiary for cash pick up through online banking | Login to online banking and follow below steps to add cash pick up beneficiary through online banking: • Go to “Transfers” and select ‘International transfer’ • Click on ‘Manage beneficiaries’ • Select transfer type as Cash Pickup and click on ‘Add Beneficiary’ • Enter beneficiary details • Select country “Pakistan, Philippines and Bangladesh” • Choose Cash Pick-up • Enter Beneficiary first name and last name • Enter Beneficiary nickname • Enter Beneficiary mobile number • Click on confirm to create beneficiary and input your Token PIN • After successful authentication, beneficiary is successfully added and you can start sending money |
| Funds transfer for cash pick up through online banking | Please follow below steps to transfer funds as cash pick up through online banking: • Go to “Transfers” and select ‘Cash Pickup’ • Select pickup country “Pakistan, Philippines and Bangladesh” • Select Account to Debit • Select Beneficiary • Enter the amount • Select purpose of transfer and enter reference then click on initiate • Verify details and click on confirm and input your Token PIN • After successful authentication page will be displayed with the transaction reference number |
| Funds transfer for cash pick up through mobile banking | Login to CBD Mobile app and follow below steps to transfer funds as cash pick up through mobile app: • Go to “Trasnfers” and select ‘Transfer’ • Click on “+New Beneficiary” Tab • Click on “Transfer to a New Beneficiary” • Click on “Cash pickup” • Select country “Pakistan, Philippines, Bangladesh” • Click on Allow contact book access to easily add beneficiary from contacts on your mobile Or close phone book contact and enter beneficiary details manually: • Click on “Next” after filling the beneficiary details • Enter the amount and Purpose of Payment • View the cash pick-up location for the selected country • Click on Next • Select “From Account”, Review details and Click “Pay” • After successful authentication a payment confirmation message is displayed |
| What is CBD investr? | CBD Investr is a smart investment app designed to help you save and invest today, for greater wealth and financial freedom tomorrow. Click Here for more details |
Download the CBD App and access your financial future from the palm of your hand.
Other ways to connect
Accessibility