Emirates Islamic Bank UAE – Accounts, Online Banking, Cards & Customer Care (2026)

Choosing the right bank is an important financial decision, and for many residents in the UAE, Emirates Islamic Bank (EIB) is one of the most trusted options for Shariah-compliant banking. Whether you’re opening your first salary account, applying for a credit card, financing a home, or managing your money through mobile banking, Emirates Islamic offers a complete range of banking solutions for individuals, families, and businesses.

Established in 2004, Emirates Islamic has grown into one of the UAE’s leading Islamic banks. It combines modern banking technology with Islamic finance principles, allowing customers to enjoy convenient digital banking while ensuring products and services comply with Shariah guidelines. The bank also benefits from being part of the Emirates NBD Group, giving customers access to an extensive banking network across the UAE.

In this guide, you’ll learn everything about Emirates Islamic Bank, including account types, mobile banking, internet banking, financing options, debit and credit cards, customer care, branch services, and practical tips to help you bank safely.

Official Emirates Islamic Links

Official Website
Emirates Islamic Bank

Internet Banking
Use the secure login available on the official Emirates Islamic website.

Mobile Banking App
Available from the Google Play Store and Apple App Store.

Branch & ATM Locator
Use the official website to find the nearest Emirates Islamic branch or ATM.

Security Tip: Always access your account through the official Emirates Islamic website or mobile app. Never share your password, PIN, card details, CVV, or OTP with anyone.

Emirates Islamic Bank Customer Care

If you need help with your account, debit card, credit card, financing, or digital banking, Emirates Islamic provides dedicated customer support.

Customer Care Numbers

Service	Contact
Customer Care (UAE)	600 599 995
International Customers	+971 600 599 995
Priority Banking	800 11122
Business Banking	600 570003

These official contact numbers can assist with:

Account enquiries
Debit card support
Credit card support
Mobile Banking assistance
Internet Banking issues
Card activation
Lost or stolen cards
Fund transfer enquiries
Complaint registration
General banking information

Customer Care Email

Email Addresses

Purpose	Email
General Customer Complaints / Customer Care Unit	Customercareunit@emiratesislamic.ae
General Enquiries (Contact Us)	contactus@emiratesislamic.ae
Business Banking Help Desk	Helpdeskbusinessbanking@emiratesislamic.ae

Emirates Islamic Bank Head Office

Head Office

Building 16, Executive Building
Dubai Healthcare City
P.O. Box 6564
Dubai, United Arab Emirates

Emirates Islamic SWIFT Code

SWIFT / BIC Code

MEBLAEAD

The SWIFT code is required when receiving international wire transfers from overseas banks.

About Emirates Islamic Bank

Emirates Islamic offers a complete range of Shariah-compliant financial services for personal, business, and corporate customers.

Today, customers can access banking services through:

Modern branches
Smart ATMs
Mobile Banking
Internet Banking
Contact Centre
Digital self-service channels

The bank focuses on making banking simple, secure, and accessible whether you’re at home, at work, or travelling.

Why Choose Emirates Islamic Bank?

Many UAE residents choose Emirates Islamic because it combines ethical Islamic banking with modern technology.

Some of the key benefits include:

Shariah-compliant banking
Easy online account management
Secure Mobile Banking App
Extensive branch and ATM network
Salary accounts
Savings accounts
Personal finance
Home finance
Auto finance
Business banking
International money transfers
Contactless debit and credit cards
Advanced banking security

Whether you’re opening your first account or switching from another bank, Emirates Islamic offers banking solutions suitable for different financial needs.

Emirates Islamic Personal Banking Services

Emirates Islamic provides a wide range of personal banking products designed for everyday use.

Popular services include:

Current Accounts
Savings Accounts
Salary Accounts
Debit Cards
Credit Cards
Personal Finance
Home Finance
Auto Finance
Fixed Deposits
International Transfers
Foreign Currency Services
Utility Bill Payments
Investment Solutions

Most of these services can be managed through the Mobile Banking App or Internet Banking without visiting a branch.

Emirates Islamic Bank Accounts

Choosing the right account depends on your financial goals.

Current Account

A Current Account is ideal for daily banking.

It allows you to:

Receive your salary
Withdraw cash
Make local transfers
Shop using a debit card
Pay bills
Access Internet Banking
Use Mobile Banking

It is a popular choice for working professionals and salaried employees.

Savings Account

If your goal is to build savings while keeping easy access to your money, a Savings Account is worth considering.

Features generally include:

Secure savings
Profit-based returns in line with Islamic banking principles
Debit card access
Online Banking
Mobile Banking
ATM withdrawals

Salary Account

Many employers in the UAE transfer salaries directly into Emirates Islamic Salary Accounts.

These accounts usually include:

Salary credit
Debit card
ATM access
Mobile Banking
Internet Banking
Utility bill payments
Easy money transfers

Customers with salary accounts may also be eligible to apply for additional banking products, subject to the bank’s approval and eligibility requirements.

Emirates Islamic Mobile Banking

The Emirates Islamic Mobile Banking App lets you manage your finances securely from your smartphone without visiting a branch. Whether you want to check your balance, transfer money, pay bills, or manage your debit and credit cards, the app provides convenient access to most banking services 24 hours a day.

Available for both Android and iPhone, the app uses advanced security features such as biometric login and One-Time Password (OTP) verification to help protect your account.

Features of Emirates Islamic Mobile Banking

Using the app, you can:

Check your account balance instantly
View transaction history
Transfer money within the UAE
Send international remittances
Pay utility bills
Manage debit and credit cards
Temporarily block or unblock your cards
Download account statements
View finance and investment details
Manage beneficiaries
Locate nearby branches and ATMs
Receive real-time transaction alerts

The app is regularly updated with new features, performance improvements, and security enhancements to provide a smooth banking experience.

Emirates Islamic Internet Banking

If you prefer using a desktop or laptop, Emirates Islamic Internet Banking allows you to securely access your accounts through the official website.

Internet Banking offers many of the same services available in the mobile app, making it easy to manage your finances from anywhere with an internet connection.

What You Can Do with Internet Banking

Check account balances
View recent transactions
Transfer funds between accounts
Send local and international transfers
Pay utility bills
Download e-statements
Manage beneficiaries
View credit card details
Monitor finance accounts
Update selected personal information

Always log in through the official Emirates Islamic website and avoid using public Wi-Fi or shared computers when accessing your account.

Emirates Islamic Debit Cards

Everyday banking becomes easier with an Emirates Islamic Debit Card. It gives you direct access to your account for cash withdrawals, shopping, and online payments.

Debit Card Benefits

Cash withdrawals at ATMs
Contactless payments
Online shopping
International transactions (where enabled)
Mobile wallet compatibility
Secure chip technology
Instant transaction notifications

Your debit card can also be linked to supported digital wallets, allowing you to make secure payments using your smartphone.

Emirates Islamic Credit Cards

Emirates Islamic offers a range of Shariah-compliant credit cards designed for different lifestyles, from everyday spending to premium travel benefits.

Depending on the card you choose, you may enjoy:

Cashback on eligible purchases
Skywards Miles or rewards points
Airport lounge access
Dining and shopping offers
Complimentary travel benefits
Easy payment plans
Contactless payments
Mobile wallet support

Before applying, compare the annual fees, eligibility requirements, and rewards to select the card that best suits your spending habits.

Personal Finance

Whether you’re planning a wedding, paying education expenses, renovating your home, or consolidating existing obligations, Emirates Islamic offers Shariah-compliant personal finance solutions tailored to different financial needs.

Customers commonly use personal finance for:

Education expenses
Home improvements
Medical expenses
Family events
Travel
Debt consolidation
Other personal requirements

Finance approval is subject to eligibility, income verification, and the bank’s assessment.

Home Finance

Buying a property in the UAE is a significant investment, and Emirates Islamic provides Islamic Home Finance solutions to help eligible customers purchase residential properties.

Home finance may be available for:

Apartments
Villas
Townhouses
Ready properties
Selected off-plan developments

Before applying, compare repayment periods, financing amounts, and eligibility criteria to choose the option that fits your budget.

Auto Finance

Planning to purchase a new or used vehicle? Emirates Islamic also provides Shariah-compliant Auto Finance with flexible repayment options.

Benefits may include:

Competitive profit rates
Flexible repayment terms
Finance for eligible new and used vehicles
Convenient monthly installments
Straightforward application process

Always review the financing agreement carefully to understand the total cost and repayment schedule.

International Money Transfers

Sending money overseas is simple with Emirates Islamic. Customers can make secure international transfers through multiple banking channels.

You can send money using:

Emirates Islamic Mobile Banking
Internet Banking
Emirates Islamic branches

International transfers are available to many countries, with processing times depending on the destination, receiving bank, and payment method.

Branches and ATM Network

Emirates Islamic has an extensive network of branches and ATMs across the UAE, making it easy for customers to access banking services wherever they are.

Branches are available in major cities, including:

Dubai
Abu Dhabi
Sharjah
Ajman
Al Ain
Ras Al Khaimah
Fujairah

Using the official Branch & ATM Locator, you can quickly find:

Nearest branch
ATM locations
Branch timings
Contact details
Services available at each location

Checking the branch information before your visit can help you save time and ensure the service you need is available.

Emirates Islamic Bank Working Hours

Branch operating hours may vary depending on the location, shopping mall timings, and public holidays. Most full-service branches generally operate during standard business hours, while branches located inside shopping malls often remain open later in the evening.

Before visiting, it’s recommended to check the official Branch & ATM Locator on the Emirates Islamic website to confirm:

Opening and closing hours
Friday and weekend timings
Public holiday schedules
Available banking services
Branch contact information

Using the branch locator can help you avoid unnecessary travel if a branch has different operating hours.

How to Open an Emirates Islamic Bank Account

Opening an Emirates Islamic account is straightforward, and many customers can begin the application online before completing any required identity verification.

Step 1: Choose the Right Account

Select the account that best matches your needs, such as:

Current Account
Savings Account
Salary Account
Youth or Student Account (if available)
Premium Banking Account

Step 2: Check Eligibility

Review the eligibility requirements on the official Emirates Islamic website. These may vary depending on the account type and your residency status.

Step 3: Prepare Your Documents

You’ll typically need:

Emirates ID
Valid passport
UAE residence visa (for expatriates)
Proof of income or salary certificate (where applicable)
Additional documents requested by the bank

Step 4: Apply Online or Visit a Branch

Complete your application through the official website or visit the nearest Emirates Islamic branch if in-person verification is required.

Step 5: Verification and Approval

The bank will verify your information and documents. Once approved, your account will be activated, and you’ll receive access to Mobile Banking, Internet Banking, and your debit card, depending on the account selected.

Emirates Islamic Digital Wallet Support

Emirates Islamic cards support several popular digital payment platforms, making everyday purchases faster and more convenient.

Depending on your compatible device and card, you may be able to use:

Apple Pay
Google Wallet
Samsung Wallet

Digital wallets allow you to make secure contactless payments in stores, online, and within supported mobile applications.

Banking Security Tips

Keeping your banking information secure is just as important as choosing the right bank. Fraudsters often use fake websites, phishing emails, SMS messages, and phone calls to trick customers into revealing sensitive information.

Follow these best practices to protect your Emirates Islamic account:

Access your account only through the official website or mobile app.
Never share your password, ATM PIN, CVV, or One-Time Password (OTP).
Verify website addresses before logging in.
Avoid using public Wi-Fi when accessing Internet Banking.
Enable biometric authentication on your smartphone.
Review your account activity regularly.
Report any unauthorized transactions immediately.
Keep your mobile banking app and phone software updated.

Important: Emirates Islamic will never ask for your password, PIN, CVV, or OTP by phone, email, SMS, WhatsApp, or social media. If anyone requests these details, end the conversation and contact the bank using the official customer care number.

Frequently Asked Questions

Is Emirates Islamic Bank an Islamic bank?

Yes. Emirates Islamic provides banking products and financial services that comply with Shariah principles.

Can I open an Emirates Islamic account online?

Yes. Eligible customers can start the account opening process through the official Emirates Islamic website or Mobile Banking App, subject to document verification and approval.

Does Emirates Islamic have a Mobile Banking App?

Yes. The app is available for Android and iPhone and allows customers to check balances, transfer money, pay bills, manage cards, and access many other banking services.

Can I use Internet Banking?

Yes. Emirates Islamic Internet Banking provides secure online access to your accounts, transactions, transfers, statements, and other banking services.

Does Emirates Islamic offer personal finance?

Yes. The bank offers Shariah-compliant personal finance solutions, subject to eligibility requirements and approval.

Can I finance a home through Emirates Islamic?

Yes. Emirates Islamic offers Islamic home finance options for eligible residential property purchases in the UAE.

Where can I find Emirates Islamic branches?

Branches and ATMs are located across Dubai, Abu Dhabi, Sharjah, Ajman, Al Ain, Ras Al Khaimah, Fujairah, and other emirates. You can find the nearest location using the official Branch & ATM Locator.

What should I do if I lose my debit or credit card?

Contact Emirates Islamic Customer Care immediately or use the Mobile Banking App to temporarily block your card if that feature is available. Reporting the loss promptly helps protect your account from unauthorized use.

Is Emirates Islamic safe?

Yes. Emirates Islamic uses advanced security measures such as encrypted transactions, OTP verification, biometric login, fraud monitoring, and secure authentication systems to help protect customer accounts.

Final Thoughts

Emirates Islamic Bank is one of the UAE’s leading Islamic financial institutions, offering a comprehensive range of banking services for individuals, families, and businesses. From current and savings accounts to personal finance, home finance, debit and credit cards, and secure digital banking, it provides solutions that combine Shariah-compliant principles with modern technology.

Whether you’re opening your first account, managing your salary, applying for finance, or using Mobile and Internet Banking, Emirates Islamic offers convenient tools to help you manage your finances efficiently. Always use the official website or app for banking services, follow recommended security practices, and verify information through official customer support channels. For more practical UAE banking guides, finance tips, and technology updates, continue exploring TheUAEWeb.com.