Phone Banking

You can do a host of essential banking transactions with your phone, no matter where you are and what time of the day, or night. It’s a reliable and secure service that gives fast and accurate information about your account or other banking services for FREE. And for your added convenience, you may access your bank information in Arabic, English and Hindi/Urdu.

What you can do via IVRS

• Quick Balance
  The system is intelligent and recognises all your linked relationships across Accounts and Cards. The Quick Balance functionality gives you all key information right up front.
• Last 5 Transactions on your Accounts and Credit Cards
  Access last 5 transactions on all linked Accounts and Credit Cards. The feature offers you the Transaction Amount, Date and Debit / Credit status of each transaction.
• Transfer Funds seamlessly between your accounts
  Transferring funds has never been this easy. It takes less than a minute to complete the transfer and what's more, it's instantaneous.
• Statement by Fax
  Get your statements for both your Credit Cards and Accounts faxed to you immediately.
• Utility Bill Payments
  Bill payments made easy. Select from a wide choice of payment partners including Etisalat, Du, DEWA, Salik and many more.
• Pay your Credit Card bills in less than a minute
  Make your Credit Card payment from your Emirates NBD account. You have an option to pay
  • Your minimum due
  • Your statement balance
  • Any amount of your choice

Definitions

Instructions

Means the Instructions given or purported to be given by the Customer to the Bank via the Call Centre or Automated Self Service and also Includes any other written or verbal Instruction issued or purported to have been issued by the Customer to the Bank, and the same are irrevocable and binding on the Customer upon receipt by the Bank.

The Bank

Refers to Emirates NBD Branches

IVR

Interactive Voice Response, This is the machine that the Customer interacts when using the Self Service Banking, It responds to and will accept touchtone evidence Instructions.

Self Service Banking

Means any or all of the banking services offered by the Bank, which can be availed by the Customer via a telephone and the Automated Interactive Voice Response Machine.

CCID

Call Centre Identification Number Means the 8 digit relationship number, designated by the Bank to the Customer to Identify such a Customer when using Self Service Banking or the Call Centre.

Debit Card

ATM card issued to the Customer by the Bank. The debit card has 16 digit number embossed on it.

ATM PIN

Means ATM Personal Identification Number issued by the Bank to the Customer to verify the identity of the Customer and for the Customer to authorize transactions via Call center or ATM machine

Phone PIN

Means Phone Personal Identification Number selected by the Customer to verify the identity of the Customer and for the Customer to authorize transactions via the Call Centre or the Self Service Banking.

General Provisions

These terms and conditions govern the services offered through Self Service Banking and the Call Centre provided by Emirates Bank Group, These terms & conditions supplement existing terms and conditions applying between the Customer and the Bank with regards to any other products that the Customer has with Bank

• By registering with the Call Centre , accepting the Debit Card Number or CCID and selecting the ATM PIN or Phone PIN, the Customer authorizes the Bank to act on his/her, oral/touch tone/telephonic Instructions with the Banks absolute discretion. The Customer hereby authorizes the Bank to rely and act, without any liability on the part of the Bank, upon all such Instructions issued or purporting to be issued by the Customer and to accept the same as correct, accurate and duly authorized by the Customer.

• The use of the Debit Card Number or CCID with the correct ATM PIN or Phone PIN shall constitute confirmation of identity of the Customer and the Bank may, but is not obliged to, further confirm the identity. The Customer hereby also agrees and authorizes the Bank to record such contents of any phone call under the Self Service or Call Centre as may be deemed appropriate by the Bank and such II recorded conversation may be adduced produced as evidence, if and when required. The Bank may utilize other means of confirming the Instructions. The Bank reserves the right to refuse to execute any or all of the instructions if there is a failure on the part of the Customer to confirm the Instructions, in the event the Bank is in doubt as to the identity of the caller, or the bonafide of any Instruction.

• In the event of unauthorized disclosure of the ATM PIN or Phone PIN, the Customer shall immediately notify the Bank. The time at which the Bank received the aforementioned information or Instructions will be determined and certified solely by the Bank and such determination shall be binding and conclusive on the Customer The Bank reserves the right to ask for written confirmation.

• The Customer shall be solely responsible .for ensuring that the Debit Card Number or CCID and the ATM PIN or Phone PIN and any other Information that may be communicated to the Customer in this regard by the Bank is fully secured and is not disclosed to any un authorized persons or third parties. The Customers Service Representatives are NOT authorized to receive the detail of any Customer's Phone PIN or ATM PIN. The ATM PIN or Phone PIN will only need to be disclosed via touch-tone telephone while using the automated IVR.

• In the event of stolen or lost Debit Card, the Customer shall immediately notify the Bank to block his debit card access. However, access to IVR is not blocked. Customer should also immediately intimate the Bank if access to IVR is required to be blocked. The Bank reserves the right to ask for written confirmation. The Customer understands and agrees that the Bank will not be liable for any misuse by another person in such an event and for failure of the Customer to inform the Bank to block IVR access.

• In addition to the general terms and conditions that are applicable to use of the Call Centre and the Self Service Banking options, the following further provisions will also apply:
  
  
  • The Customer shall provide the Bank with a list of third parties account numbers to which a transfer of funds may be made via Self Service Banking and/or Call Centre. The Bank shall not effect any Instructions requiring it to transfer funds to the account of a third party if the number of that account is not contained in the list provided by the Customer.
    
    
  • The Customer acknowledges that Self Service Banking that may be provided by the Bank at its discretion involves inherent risks, including, but not limited to, risks associated with fraud and unintended/erroneous Instructions, which the Bank cannot eliminate. The Customer hereby indemnifies theindemnifies the Bank of all liabilities and responsibilities and accepts any and all risks associated with the use of the Self Service Banking.
    
    
  • All transactions are charged at the normal banking rates. For details please refer to the fees and charges schedule pertaining to the different products offered by the Bank.
    
    
  • The Bank reserves the right to amend, add or delete any of these terms and conditions at any time without prior notice. The use by you of this service shall be treated as acceptance by you of any change. If you do not accept any proposed.