Ways of Banking

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Phone Banking

Your bank now fits in your phone.

Meet the CBD app

From applying for a CBD account or card to paying your bills and transferring money, we're just a tap away.

  • Quick, simple and secure online application
  • Pay friends, bills and more instantly
  • Smart banking with notifications and spending info
  • Get more rewards with discounts, miles and cashback
  • Stay updated on our latest products, services and promotions
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Money management, on the move

Transact

  • Transfer money to CBD accounts, other banks in the UAE or internationally within a few taps.

  • Make instant bill payments to all your service providers like Du, Etisalat, Salik and many more.

  • Transfer money in real-time using your mobile number and email ID.

Manage

  • Access all your accounts from one dashboard and manage your account settings easily.

  • Keep all your personal banking details up to date, including your Emirates ID, passport, signature and more. 

  • Reorder how you view your accounts and cards with our customisable layout.

On the go

  • Bank from anywhere in the world with our mobile banking app. 

  • We are always here for you at your service. Reach out to us by us calling us from anywhere, anytime.

  • Pay globally by adding your CBD cards to digital wallets such as Apple Pay, Google Pay, and Samsung Pay.

Register for CBD mobile or internet banking

If you already have your CBD online banking credentials you can use them in the app or start registering for mobile banking. To start registering for CBD mobile banking, all you need is a CBD current, savings or debit/credit card number, Emirates ID and mobile number registered with the bank. If you're a holder of these, please follow the below steps.

Step 1
Download app

Download the CBD Mobile Banking App from Apple Store or Google Play

Step 2
Account Info

Enter your full 10 digit account number or 16 digit debit or credit card number, followed by 4 digit PIN of your debit card.

Step 3
Verify OTP

Enter OTP sent to your registered mobile number with the bank.

Step 4
Register

Select user ID and Password, Your registration is completed.

Touch ID

Touch ID offers a simple, secure and faster way to access the CBD Mobile Banking app using your fingerprint.

How to enable Touch ID

Touch ID will be offered at login after you’ve upgraded to the latest version of our Mobile Banking app. You can choose to enable or disable Touch ID at any time through the `Settings` menu within the app.

  • Your device must support Touch ID authentication to use this feature on the app 
  • If you have already enabled Touch ID authentication in your device, you need to access the preferences section and enable Touch ID login
  • The next time you launch the app, you will see the option to login using Touch ID 
  • You will always have the option of entering your User ID password for our app, even if Touch ID is activated

Benefits
  • More secure than password
  • Easy and quick to use
  • Secured in case you lose your mobile device
  • No need to remember your password

Mobile banking

Security

Security CBD Mobile Banking uses various security measures and data encryption to ensure your day to day banking is completely safe with a UserID/Password, and debit card PIN for high level transactions. Some of these security measures are:

  • Personalised activation/registration process with unique one time password code and debit card PIN
  • Secure login process using CBD Online Banking credentials
  • Multilevel checks using personal password/touch ID or debit card PIN
  • The ability to control your beneficiaries by adding or removing utility bills, internal and external payments details and authenticated with debit card PIN and the OTP (one time password) received on your mobile. These details are synchronised with CBD Online Banking.

Mobile security tips
  • Lock your phone when not in use. Password-protect your device so that nobody else can use it or view the information. Also be sure to store your device in a safe location.
  • 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.
Learn more

Secure Token

Secure Token protects your online and mobile banking transactions giving you peace of mind.

We know how important online banking security is for you. And to provide you with extra protection for your accounts and transactions, we've added the Secure Key, a feature within our mobile banking app, used to generate a unique and single use security code each time you log in to online banking.

You'll need to download the CBD Mobile Banking app and initially set up the Secure Key. The Secure Key works even when you're not connected to the internet and provides you with the passcode you need for online banking transactions that require a second factor of authentication.

Secure Token

How to use Secure Token
You'll use it together with your 4 digit token PIN that you need to create at the time of linking your token in mobile app or in online banking (under services settings). This way, authentication is based on something you know (4 digit token PIN) and on something you have (6 digit number generated by the digital Token App).

Secure Token

When to use Secure Token

You'll need to use it for all your online transactions that require additional layer of :

  • Setting up new beneficiaries
  • Transferring funds to other CBD accounts, other UAE banks and international transfer
  • Cheque book request
  • Resetting your mobile banking credentials

FAQs

Our app

What can I do on the app?
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 and expenses tracker to help you manage your spending more efficiently.
Can I download the app on two different phones?
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.
Can I use the app abroad?
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.
Do I get discounts for using the CBD app?
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.

Security

Is the app secure?
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.
What should I do if I forget my app password?
Easy! Just click ‘forgot password’ on the app login page, and we’ll help you to safely set a new one.
How do I setup Touch ID and Face ID?
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 phones with face recognition, 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 disabling and re-enabling Face ID to get it working.
I can't seem to login to the app?
You might be using the wrong details, or the app may have been locked – it may happen after multiple incorrect login attempts. Give our customer service team a call on +971 600 575 556 and they’ll get you access in no time.
How can I be sure my information is secure if my mobile device is lost or stolen?
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 three 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.
What is a secure token?
A Secure Token is an application that works without the need for an  internet connection to generate a six-digit passcode that you will need for online transactions. You can enable your Secure Token in the ‘Security Settings’ page (More > My Profile > Security > Secure Token).
How can I register for a secure token?
Easy! Just follow the simple steps below:
  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).
How do I use my secure token?
Enter your 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).
See more

Transfers and bill payments

Can I pay someone else’s CBD card bill?
Yes. 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!
Can I pay my credit card bill from another bank?
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!
How can I pay a bill?

Paying a bill with the app is easy and once you pay, the app will remind you to pay it next time it's 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!
How do I edit or delete a beneficiary?

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.
How can I transfer money?
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.
How can I pay my CBD credit card bill?
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!
See more

Your profile

How do I enable smart notification?
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)
Why do I need to update my Emirates ID?
As per the UAE Central Bank requirements we are mandated to ensure all customer records are up to date.
How can I update my details such as Emirates ID, email address and phone number?
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
How can I change the app language?
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).

Budget and track

How do I track my spending?
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.
How do I create a budget?
Just go to the ‘Spending’ page from the app and select ‘Budget’ and add the target for your spending categories.
How do I track my budget?
Taking charge of your finances has never been 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.
How do I edit my budget?
Just click on ‘Edit’ at the top of Budget page to update desired spending targets (Spending > Budget > Edit).

How do I monitor my transactions?
With automatic categorisation 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’.

Account details

How will I receive my account statement?
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.
Where can I find my IBAN?
You can see your IBAN and all your account information by clicking on your desired account from your dashboard.
Can I download and print my eStatement?
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.

Manage your cards

How can I manage my cards in the app?

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
How do I activate and setup my PIN for my debit card or credit 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.
How do I change my PIN for my debit card?
You can change your debit card PIN number anytime by going to the ‘Cards’ page in the app.
What should I do if I’ve lost my card?
How can I lock my card?
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.
My card is expiring soon. What should I do?
Don't worry; 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.
How can I pay my CBD credit card bill?
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
See more

Card details

Where can I find my credit card details?
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.
How will I receive my credit card statement?
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.
Can I download and print my credit card eStatement?
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.

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Other ways of banking

Phone banking

Access your bank 24 hours a day, seven days a week, all year round, from home, office, car or even while at the beach. With CBD phone banking service, all your banking needs are really just a call away.

Learn More

Mobile banking

If you already have your CBD online banking credentials you can use them in the app or start registering for mobile banking.

Learn more

Download CBD App - and open an account in minutes.

Access your financial future from the palm of your hand.

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