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Online Banking


With Online Banking, stay updated on your account information, make payments, inquire about your banking details and much more – all within a completely safe environment.

Access all your banking solutions from anywhere in the world. Our online banking experience is secure and fast.

On login, you are presented with a fresh, new look and feel, as well as improved navigation features. It’s a powerful update with enhanced features and services to make your banking experience easy and convenient.

Features and Benefits

  • Manage your Accounts, Credit Cards and all their transactions.
  • Transfer funds in your preferred currency to your own Accounts, other CBD Accounts or as Remittance Transfers.
  • Make bill payments - Etisalat, Du, Water and Electricity and SALIK.
  • Set up your own beneficiaries or modify them.
  • Make requests and update your information.
  • Enjoy Direct Debit service.
  • Register with Mobile Banking for free!.

Get Started

To start using CBD Online Banking, all you need is a CBD Current, Savings, Call, Fixed Deposit, Loan or Credit Card Account. If you’re a holder of any of these, please follow the below steps.

To Register Online:

  1. Go to CBD online banking and on login page click on "register now".
  2. Enter your full 10 digit account number or 16 digit Credit Card number, followed by the alphanumeric code which appears on the verifcation image.
  3. Continue by clicking the "Get security code" button to receive your security code via SMS on the mobile number registered with us.
  4. Create your user ID and password.
  5. Registration is completed.

First Time Login:

  1. Enter your user ID.
  2. Select a security image randomly appearing on this screen.
  3. Type a phrase which will be linked to your security image.
  4. Enter your CBD online banking password.
  5. Accept Terms & Conditions.




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.
Where to start...There are multiple benefits: 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 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.
We do offer a lot in online banking. Register for our 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/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 card and personal loan.
  • Manage your day-to-day finances by using unique Budget and Track tool.
You can perform all Transfers and Bill Payments through CBD Online Banking.
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.
Create username and password by clicking on Register and then just follow the instructions to finish creating your very own personal online banking account.
If you are a CBD customer, you're automatically eligible for Online Banking!
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 800 CBD (800233) to find out more about Online Banking.
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; it must be alphanumeric and it cannot contain any characters like < > " ' % ; ) ( &  + -  ! @ # $ * = .
There are no registration or monthly usage fees. However, there is a small charge of AED 25 for re-issuing a transaction pin manually.
You can start using CBD Online Banking immediately, once you complete the self-registration process.
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 800-CBD (800223) to speak with one of our customer service agents to help you unlock your password.
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.
Your User ID will remain active and you can return at any time.
A Security Token is an electronic key that maintains a high level of security and ensures that you are banking electronically in a totally secured environment. The Token randomly generates a 6-digits Pass-code that displays on its screen and changes every 60 seconds. A Security Token works when used in conjunction with a fixed 4-digits PIN of your choice.

To setup your 4-digits Token PIN, please follow the process below:

After login, please click "Service" tab under "Online Settings", please select "Token PIN Generation" from Request Type dropdown menu
Enter token pass-code (6 digit number on your token) and click submit
Enter the new four digit PIN and confirm the same
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 disable your token at any point by visiting the "Requests" screen or calling us on 800-CBD (800223).
You'll need the token for transactions from AED 25,001 to AED 1,000,000 for the following services:
  • Bill Payment.
  • Transfers to other CBD Accounts.
  • Credit Card Payment.
  • CBD Financial Services.
  • For Cash online transfers (From AED 200,001 to AED 1,000,000).
  • For E-Dirham (From AED 100,001 to AED 1,000,000).
Note: the above thresholds may be subject to change from time to time.
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.
Transaction PIN is a 4 digit code that allows you to do financial transactions on Online Banking. You can do fund transfers, pay your utility bills plus other financial payments.
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.
You can get it through Online Banking Services screen by selecting Reset Transaction PIN and providing the new PIN. You need to confirm the new PIN and input the One Time Password sent to your mobile number registered with us.
A USERID is a unique name which you choose to Login to Online Banking with. The USERID is not case sensitive, can’t be less than 6 or more than 14 characters and can’t have spaces or special characters.
It’s really simple! To login, all you need to do is type this URL ( into the address bar of your browser and sign in.
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 800 CBD (800223 ) – and we’ll help you out!
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.
A Session is defined as the period of time between logging on to Online Banking and logging off. Within the session time period, every movement is recorded for security purposes.
If you have lost or forgot your Password, please click “Forgot Password” and follow the steps to re-set your Password. Or please contact us on 800 CBD (800223) and we’ll be happy to help you out!
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 800 CBD (800223) to request for new one.
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.
For security reasons, you can use 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.
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.
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. To set it up, 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
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



SSL Encryption is active on the Web Server, which currently allows and supports 128-bit encryption. Your browser will display a lock or unbroken key, indicating that you have reached the secure area. For added security, UFCU will only support 128-bit SSL encryption.

To ensure that communication between customers and the CBD Online is completely confidential, 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 monitoring the system for suspicious activity and automatic alert generated if any abnormal activities are detected.
  • 128-bit data encryption 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.

A short time-out limit has been set. After this time, the system automatically logs off and ends your session. Please remember, if you’re not using your computer for a period of time, make sure you 'log off' from Internet Banking completely so that your banking information can’t be viewed by others.

Tips For Secure Online Banking

Always access CBD Online Banking by typing the correct URL ( into your browser. Never click on a link in an email to take you to a website or enter personal details either in the email or website.

Password And Pin Security
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.

Pc Security
It’s important to use up-to-date antivirus software and a personal firewall. If your computer uses a Microsoft Windows operating system, make sure it’s updated via the Windows update feature - if you use a different PC operating system or an Apple Mac, please check regularly for updates. You should be especially vigilant on a public computer which may not have the necessary security measures in place.

Check Your Banking Session Is Secure
When undertaking any banking action on the internet, check that the session is secure. There are two simple indicators that will tell you if your session is secure - the first is the “Https//” in the URL and the other is the presence of a digital certificate represented by a padlock or key in the bottom right corner. Double clicking on this icon should provide you with information about the organisation with which you have entered in a secure session.

Always Completely Log Off From Your Internet Banking Session
It’s important to completely log off from your internet banking session; simply closing the window you were working in is not enough to close the banking session. If your computer is infected with a Trojan, your session may be hijacked by a criminal and financial transactions can be performed without your knowledge.