Emirates NDB Bank
Reviews and Complaints

On 15.05 I saw sms notification from the bank that somebody did purchases one with amount of AED 4,595.95 at MEDIA MARKT ISTANBUL ZO, ISTANBUL. And second right after with the amount of Purchase of AED 10,087.38 with at MEDIA MARKT ISTANBUL ZO, ISTANBUL. While I was in Dubai. I did not share any info or otp number plus the bank didn’t even ask for any authorization. The card was also blocked after these 2 operations. I am really shocked how it even happened and I want it to be resolved asap

Dear NBD Customer Service,

I am writing to express my deep disappointment and frustration with the ongoing delays in the processing of my card buyout and clearance letter by your esteemed institution. Despite submitting the necessary documentation and completing the mandatory Multi Choice Questionnaire (MCQ) on May 10th, I am shocked to find that my request has not been handled promptly and efficiently.

To my astonishment, I discovered that NBD did not initiate the process until May 12th, a whole two days after my submission. This delay has caused significant inconvenience and distress, especially considering the urgency of the matter. I explicitly communicated the emergency situation to your representatives, hoping that they would prioritize my request accordingly. However, it appears that my concerns have fallen on deaf ears.

Furthermore, it is bewildering to learn that the cheque clearance process takes an additional four working days. In this digital age, where transactions can be processed swiftly, this extended period is both antiquated and unacceptable. It is inconceivable that such delays persist despite advances in technology and banking systems.

To compound matters, I have been informed that obtaining a non-liability letter will take an additional seven working days. This is an exorbitant amount of time, especially when considering the urgency and sensitivity of the situation. I took the liberty of explaining the gravity of my circumstances, desperately hoping that it would expedite the process. Regrettably, this effort seems to have had no effect whatsoever.

As a valued customer, I had placed my trust in NBD's reputed services. However, this incident has severely undermined my confidence in your institution's ability to handle customer requests efficiently and effectively. It is disheartening to experience such negligence, particularly when dealing with critical matters related to financial affairs.

I implore you to take immediate action to rectify this situation. I expect the prompt processing of my card buyout and clearance letter, ensuring that the entire procedure is concluded without further delay. Additionally, I request a thorough review of your internal processes to identify and rectify the underlying causes of such delays, as no customer should have to endure this kind of inconvenience.

the bank hold my salary of march without informing. I have credit card due which is cleared already including late payment fee. I made several calls to customer service and they advise me to visit branch. The executive from branch advised me to contact collection department. Despite several calls no call back from the team and not even a solution. In the last call the customer service executive said she don't know what to do ! I am completely helpless that i am unable to visit branch in my duty time.

I'm a residence here in Dubai UAE working as Senior Coordinator from CEO's Office from Expo City Dubai. I've been here in Dubai for more than 6 years now and I have not experienced such rude, arrogant, impolite, lazy, unprofessional and disrespectful bank agent let alone from Emirates NBD bank which is a tie up with Expo during event time till date. Recently, I've applied for auto loan for my car from Peugeot brand. The showroom agent processed my auto loan and arranged it with ENDB auto loan agent named AHMED REFAAT ABDALLA. At the beginning of the tele communication interview, everything went smoothly and fine. Going forward the next days, he began to demand that I go to him to the location of bank which he is working. Another emirate from Dubai which is a 1-1hr and half drive. That being said, he did not intend to exert effort to meet me to validate and verify my signature for the documents on my auto loan, so he then arranged that the document be sent to his "FRIEND" on another car brand which is BMW knowing the fact that I purchased my car from Peugeot. At first, I was willing to come over and get it done to enable the process of my auto loan but then realized that he should be finding a way or moreover arrange to come meet me to get the document signed by myself with him as the witness. That was his job from the beginning. He started to communicate unprofessionally and said that he won't be able to arrange the document or come drive to bring the document by himself. So, then I've made agreement with him halfway and told him to meet me where it's very near his location. We agreed 12:30 in the afternoon on a Saturday, weekend, no traffic and roads are free from the hassle and buzz. He was late, saying it's traffic. He arrived at 01:00pm and let me wait for 30mins. Upon his arrival, he had the worst arrogant face reaction walking towards me like he is someone very important in this world. No hi, hello, good afternoon or whatnot. In short, uneducated, unprofessional attitude. He presented the document and just said, I need to explain where you will sign in the document. So, I signed, he won't let me take a photo of what I have signed and said he will just send it via email, one week after I signed no document was sent to me. I'm sending this complain about this auto loan agent to recognize that his job should possess 100% customer service and that he is insufficient with his job, and he should not be dealing with customers. He should put respect firsthand with his job and treat other people most especially customers in a righteous manner. His management should know that he does not belong with that line of work, and I strongly hope that this will be actioned urgently and accordingly.

Dear NBD Bank

I was did transaction on 14 February 2023 Time 13 22 Because one company named Insperity They give online jobs Then I did the job well once I asked my salary they said you need to deposited 740 AED Emirates NBD Bank. For withdraw my salary after I deposited 740 AED they didnt give me any money They cheat and blame me

Please find transaction details

Reference number MBA0002184271186

Beneficiary Details

Name MAHMOUD GAMAL MAHROUS ATTIYA

Account number AE220260000215828915501

Bank name Emirates NBD Bank

Please return back my money to my Dubai Islamic bank Account from this scammer

I Logged complaint Dubai islamic bank & Central bank of UAE

Reference number IBRO636301101 ( DIB)

Reference number CAS 169370 X8X7F5

Very unsystematic and worst customer service!

I wish to complain about the customer representative that handled my credit card issue as well as the very unsystematic payment procedure that I experienced. I have my ENBD CC card and I purchased a phone from Apple last December 2022 through Apple.com website.

I am complaining because I have applied it for 0% interest with the bank and have paid for the closure of the first installment application that I did in online banking which comes with the interest. But until now, no one bothered to fix it.

I received a message and bank statement for my payment due but the amount there is not the same. I was supposed to pay the existing loan and the new purchase installment together but ended up paying the existing loan and the phone that I purchased which they have not applied for installment.

I am really confused, and upset coming to the bank directly and waiting for a solution to fix it and calling customer service more than 10 times just to fix this problem as I don't want to face any issue with my account and I would like to pay accordingly to what I have borrowed.

When I first learned of this problem, I contacted one customer representative which I forgot the name of already as he said that he will apply the 0% interest on my apple purchase. Again I waited and checked no bill or notification reflecting that the purchased was converted to 0% interest until billing came still it's not in 0% interest. I called yesterday and even went to Burjuman ENBD to fix this but the guy i didn't get the name in cabin 11 just informed me just call customer service to fix it. I waited for more than 30 minutes and I believe that this response is unfair because I prioritized it and got late in my work just to fix the problem but nothing happened. When I came to the office i called the bank and ask if they can fix It the guy Yusef handled it informing that I have to pay only my minimum due and not the total amount which is very rare, since every month i am paying the total amount for me not to get any other interest from the bank. We had about more than 30 mins call and he told me that the installment has been done and it will reflect within yesterday's day until now I didn't receive and reflected statement. I have paid the minimum amount that he said but I want clarification on this and I want the proper statement so that I can see the installments and my payments properly.

But until now no proper response, such a disappointing bank.

First automatic closing after 45 days card it's finlay an online request then I haver to come over to dubai to a branch. I have flight to dubai and then 2 days and then 4 days and then 5 days. Copy of documents and nothing nada. The bank cannot answer over the phone. The people at the branch seems not to work clearly and properly but not only as to me the full brand is a scam. Reviewing all review online and this is not looking good. Scam fraud. Does it is only enbd or the all duabi and uae same role of gamer and scammer.

Worst branch service. The dont respect conditions. Raleash ramachandran nair staff n 5172 give closing paper account to signed. Told it will take 3 days and then nothing. Keep on calling enbd explaining that is skip on going for weeks and no one reply thru online banking, online banking order are not working. It is looking like enbd dormant want to release our money and always fine an excuses. I have flight to dubai under their request. Spend over 1000 $ own phone connection but nothing at all. Does uae and banking services are fraud. In this point of vue it is looking as their real estate a real fraud and scam country. Fake and awful. I a'm happy to have return my residence in dubai. Right now emirate nbd is acting like fraud bank in uae. No recommending at all

I paid my credit card dues 2 days before due date however the bank charged me late payment fee and interest charges I requested to remove those unnecessary charges cuz I paid on time and my transaction crossed the public holidays which is not my fault they waived the late payment fee only but never removed the billed finance charges after several calls and request yet they did not entertain my requests and calls and they only said it’s in progress ! Steelers !

I have been a customer of Emirates NBD for almost three years. During this time my Emirates NBD bank card has worked fine but they, through a fault that to this day are unable to explain or fix, have withdrawn my account management services - when I call the telephone banking for example an automated voice tells me my card profile is not active, tells me to go in to branch to resolve and hangs up. I have made several visits to the branch and each time given assurances that it will be resolved, without telling me what the problem is, but this issue has never been resolved. I can’t even use mobile banking as in order to set up the secret questions for security I have to call the telephone banking to give approval, at which point it tells me my card profile is not active and to go into branch. This has been a horrible infuriating and disgraceful customer experience.

Dear Sir/Madam,

I, Rubin Francis, have a savings bank account in your bank with a/c no: [protected]

With all due respect, I want to inform you that make a transaction for an amount of AED 700 on 02/01/2023 to AE330260001015786609101 (Sajid Syed Mohammad, Emirates NBD Bank) through online banking, but money got deducted from my account. I checked the next account to which I had to send money, so the money did not reach that account yet.

Therefore, please understand my problem and try to resolve it at the earliest.

Thank you.

I got stolen 12K with my credit card, 2 transactions done in Russia while I was in Dubai. AS soon as I got the whatsapp notification about the purchase I called the bank and reported the Fraud. On the phone the agent told me my credit card was cloned. My credit card was brand new (only got it 4 days before the transactions happened) so I really think the issue come from the bank. I was told to wait a max 90 days to be reimbursed. All these days they didn't keep me updated, I had to always call and send mails to know what was going on. I found out that they just closed the case when I called once again to chase them (they didn't even bothered sending you a mail). They said "the transaction is valid" and that's all, you can't meet them, you can't have access to the investigation report, (so I am actually not even sur there is an investigation). I send several mails to have access to the report and to meet someone, but they don't even answer mail, they just ignore you. What can you do?

It happened on 17th August 2022. My friend ordered KFC, through KFC application and i used my Emirates NBD debit Card to pay the amount. Unfortunately, his phone was hacked from Nigeria.

We put my account details and CVV in this phone. Then, I received my a pin in my phone. Before my friend entered the pin, money of 4000 AED was stolen from my account. I reported the same to Emirates NBD Bank and they confirmed that they will investigate the matter, since its breach of bank's security.

I called them 2-3 time in between but they confirmed that its still under investigation.

on 29th September 2022, bank made a conclusion that its not their fault and they are not responsible for this. Further, they never shared this conclusion to me. I called customer representative also, in between but they were still unaware of the conclusion of matter. Finally, when I called again customer care on 20th November, 2022 then they reveled that its already concluded in September, and claimed that they sent me an email. However, I never received any email from bank.

Then I requested them to send that email to me again and I am still waiting for their email confirmation.

In short, I am really pissed off, with emirates nbd, due to its insecurity of using online transaction and secondly, due to worst customer service.

This is to warn everyone trying to get any kind of service from EMIRATES NBD or EMIRATES ISLAMIC BANK, please understand that they are one bank.

I’ve a salary transfer account with EIB but I had a credit card with ENBD and they gave me final settlement over the phone, when I agreed with a date to make the payment, the next day they called me and said NO YOU SHOULD PAY FULL whatever we are asking for, I trusted the debt collection staff and gave them information so they will help me close the credit card instead they teamed up with EIB and made my account into -36K that means I can’t touch any of my salary until ENBD gets their 36K even though the credit limit is only 22K

This is for everyone trying to get a loan or card or open salary account with EIB or ENBD, they are big time cheaters and they will suck out all of your hard earned money without your permission and you can’t do anything about it.

Suggest don’t open accounts or keep ur money in any banks, you have no rights, and they will tell you they have the right to take your money from your account without your permission.

I am using the NDB bank for a few months and my experience is very poor I need to wait at least 20 min online to get my phone answered each time, the application is not working properly (i.e., not working at all), now the VISA direct money has not been transferred and I was told the investigation will take 2 months. That's very poor way to manage the clients I must say. Have tried the banking services in the European countries and this is the first time I come across such a number of bad basic things.

I had one cheque returned in my account that too by mistake of my house owner where he deposited the cheque by mistake. For this I have been told by Emirates NBD bank Burjuman branch that as per Central Bank of UAE order you cannot apply for fresh cheque book for a period of one year or may be two years. I have taken a written apology letter and attached with all the relevant documents and submitted to the bank to consider my problem as in UAE cheque is very much required for education and other commercial requirements. My first salary was also not credited by that time the cheque was deposited in a bank. I am reputed doctor and just started working in Dubai two months back. I will intentionally do not perform such practice. After almost two weeks I got a call from Mr. Fernandes from the bank saying that we cannot revoke termination of cheque book as per internal orders. Then I immediately asked them that I have been told that this order is from Central Bank. He said I was on leave I don't know the person in my replacement must have given you this information and I am not responsible. I am really fed up with the service of this branch. I request you to please see this matter, I need a cheque for my kids school fees and other purchase. Looking forward for your kind action on this.

I been using this services for many years now everything is okay until 2 times its happens to me that the amount did not credit to the account destination, customer support is very very worst and not helping, so what they do they will refund your money in a few weeks but the amount is less. I will never used this service again and I will close my account.

I really feel the need to share this bad experience with Emirates NBD to warn customers to be very careful with this bank, with their hypocritical “customer care” and indifferent service.

My registered mobile number can’t receive the authentication code for 3 years! That make me impossible to do anything, any transfer with my account. As I am abroad, I cannot go to the NBD branch in person, the only way to contact them is the online customer service. I've made many calls and submitted complaints with their online customer service several times on online banking since 1st June, 2022. But I should say, by all means, the support is not reachable.

The bank is always silently hiding behind the saying “24 hours phone banking” For every intend to reach them, you have to keep on the line for more than 20 minutes, hearing the boring music. And every international call will cost me 2 USD/minute. What’s worse, is after an endless waiting, finally you can talk to the call center operators, who can only repeat the same thing “I’m sorry and I’ve already forward your request to our team…” but in fact nobody will take care of your issue.

Even I’ve required several times for a feedback about my complaint, or, I asked, if I could communicate with the person with email or talk to whom is really take care of my issue. But every time this my query "was registered" but never be respected. NO ONE contacted me, I wait for 20 days but nothing renewed. Basically no way to talk to any specific engineer in the bank nor higher level management with some liability who can take responsibility from start to the end of my issue.

The bank keeps hiding behind a wall of silence through their inefficient call center operators, who can only repeat the same excuse to wait until a follow-up all over again but in fact nobody ever follows up on customer's calls. They always lie to me with the excuse “your problem will be solved in 24 hours” or “3 working days”, but that moment will never come.

I’ve never met such laziness and indifference in a customer “care” in any other institution and I’m seriously suggest that run away from this back and don’t believe what they said. How can this indifferent and bureaucratic bank can take care of your money?

I was selling my 2018 Range Rover Velar because of leaving Dubai. I bought the tickets for 6.5.2022 and started to sell the car already way before on 1.4.2022. The client visited on 9.4.2022 and we agreed on the deal and he was supposed to start the bank process with Emirates NBD. At this point he was told it to take a maximum 3 days for the bank to issue the Purchase Order.

On 14.04.2022 Bank was asking for extra pictures of the car which were exactly the same ones as the already had been given. New pictures were sent immediately.

On 18.04.2022 The Bank promised to have LPO ready for the next day.

On 19.04.2022 I finally received a call from the banks representative Samia who only called to tell me that I would receive another call the same or on the next day.

Still on 21.04.2022 I had not received any calls and started to panic with the time already and told the client that I could not wait any longer. We managed to get the contract papers signed in the same evening with the Client and Emirates NBD courier.

The next day 22.04.2022 I received a text message that the client had received approval on his mortgage request. Few hours after that I received an almost unreadable copy of the LPO to whatsup from the bank representative Samia Abdrabbou. I was immediately concerned as this LPO didn’t have any ID numbers or even the cars VIN number and even the cars info was wrong. I tried to get them to change the LPO so that it would have the car VIN code registered on it but could not get Samia or her boss to understand the problem with the papers. At this point I legally had sales contract with the client for the car and for the sum and a very bad copy of the LPO saying that the client had the mortgage approved. After talking to Samias boss I got so frustrated that I really didn’t care any more and he also promised to have the original papers sent to me with courier during Monday 25th.

On 24.04.2022 we went to transfer the ownership of the car to the client and everything went smoothly on that part.

On Monday 25th morning I asked about the cheque payment for EU/UAE accounts. Samia promised to check about the payment currency with the management. I told her that I would like to send it to my AED account in Latvia or on my friends account in Dubai. She answered that that the cheque needed to be done on my name and couldn’t be issued on my friend’s account. Samia also told to have the original papers on hand and would send them soon. Of course, these papers did not arrive during the day. I was also promised by Samia that the cheque would now take 4-5 working days and she promised to speed it up as she knew me to be in a hurry.

On the 27th I contacted Samia again as I had not received any papers. She said that she was still waiting for the representative to pick them up and it would be done soon. Again, the papers did not come.

On 28th I tried to contact Samia about the cheque but didn’t get her to answer to the phone or to the whatsup messages.

On 30th morning I got a call from the Emirates NBD representative and thought it to be the cheque, but it was actually the courier service with the original papers promised to be delivered on the Monday 25th. Then around 4pm tried again to contact Samia about the cheque, and again couldn’t get any answer anywhere.

On the 2.5.2022 I wrote to Samia that I would need information about the cheque the same day or I would make it a criminal case against her and the Emirated NDB. For this I got an answer that she is out of the country on a holiday that she was promised that the cheque would be ready to collected on the Friday 30th from the Maydan branch in Dubai. As I tried to search for the Maydan branch from the Emirated NBD websites there wasn’t any. Finally, she shared me and straight address to branch and told everybodys to be on an Eid Holiday.

Checking the Emirated NBD website the branches were said to be open from the 4.5.2022 but as I got the the Maydan branch it was still closed and would be opened on 5.5.2022.

On 5.5.2022 on 11am I got taxi and went to the Maydan branch. The Maydan branch is a huge complex made from 4 houses and I had no other contacts I started to ask around and was forwarded to Collections and Recoveries desk where the ladies where amazed and didn’t understand at all what I wanted even when showing the papers. I was told to contact the representative who I had worked with. At this point I had tried to contact Samia around 10 times. Ladies at the C&R tried also without any luck. At finally I was told to go to another branch and as I asked them to give me exact address on the map, they sent me to the Maydan race track. After driving around, the race track area with the taxi I returned to the same ladies at C&R and told them to really check the real address for the branch. Sadly no one in the office or security could not tell me the right address. Finally, some guy in the office marked me an address on the map next the gas station and as I got there with another taxi, it was again the wrong address with only ATM there. At this point the taxi driver knew about the other office close by and took me there.

This was finally the normal Emirates NBD branch but even there no one understood what I wanted. The branch manager tried to contact Samia and everyone in the Abu Dhabi payments department without any luck. They also checked those papers where real and that the contract really existed. They also had problems understanding the LPO and couldn’t not find the contract number from it. Finally, after a long while I left home with not getting any smarter. And was about to go to the police department in Umm Hurair as this was the area the contract was signed in.

At 1:54pm Samia finally contacted me that she is out of the country and telling me for the first time to contact lady called “Prabina” in the Maydan branch. I asked for a straight number for Prabina as I had no idea how to find this Prabina from the huge office. I never got a number but she finally told me to go to “Medan N building 3rd floor IIS department PRABINA”.

I immediately left back to the Maydan office with taxi and found the building N security. At 2:34pm we tried to contact Prabina with the security without any luck. After around 10minutes they finally got in touch with her and gave me the phone. I tried to tell her the problem and she didn’t understand anything or what was the problem. She tried to search for the cheque with my and clients name and finally told me to wait for a while as she would call back. After around 10minutes of extra waiting Prabina came to the lobby where I was waiting with the cheque. She told me that she had completely forgot about it. She then gave me the cheque without asking any ID or anything from me.

She told me to go back to the Collections and Recoveries to get the cheque paid to me. As I went there, they were again lost what to do and said that they couldn’t do anything any I should visit on a bank Branch. I then took a taxi back to the Maydan branch on the gas station and when getting there on 3:10pm it was already closed in 2pm and had to take another taxi back to downtown.

After that I went to the Dubai Mall branch where I was told that the cheque couldn’t only be paid out in the outside atm which was not working. I then spoke with branch manager about the problem of me leaving the next day and needing to have the cheque paid out. He said that they couldn’t do anything and that it could only be paid by teller to an UAE account on my name. I then tried to visit and representative to open an account, who told that not to be possible as I don’t have any income in UAE.

So, after such a nightmare process, I now have an 205000,00aed cheque which I cannot change to real money even though so promised by the bank’s representative. I’m just amazed how badly the banks systems can work and how unprofessional the workers are. During the whole process Samia Abdrabbou lied to me multiple times and the person Prabina forgot to contact me and had forgot the whole cheque all together. It seems to me that I would have never got the cheque if I had not driven around the city after it for the whole day. Currently I feel cheated and that the car was stolen from me by the bank.

I’m not proud of my language with Samia but I just got so unbelievable angry with her attitude and service

I transferred 103 KUSD to Germany which was routed through Citibank by Emirates NBD bank. The money was debited to my account on MArch 7 and till date Beneficiary account has not been credited. Upon on help from Emirates NBD bank Beneficiary contacted DB bank in germany who confirmed money has been returned and provided all details which were given to Emirates NBD. Till date money has not been credited bank to my account. Numerous compliants have been filed and numerous emails written. No resolution after 2 .5 months

My name is Ramesh Awtaney and email id is [protected]@gmail.com

I had some fraud transactions done on my card almost to an amount of 25,000 dh. I report to NBD customer care within 30 minutes of the transaction.

When I try and get a response from the bank only details I get is automated emails that the emails is received. Also customer care says - It is in progress. No Details. Nothing.

I also get specific reply to say - We dont call back customers.

This incident happens after their sales department sells me a life time free credit card. When I receive a card - It was different card which was not free. I complain then I get another card. When I complain that the sale person has given me a different card - I get response that the form which was filled up was for another card. And we are not aware of any issues.- Why was a different card sold - Is the agent getting commission on selling multiple cards?

This company will not help you even if you losse millions. They dont know the meaning of customer support. There will be no call backs. If there is call back from complaints department, it will be to say - We are not aware of anything and we dont call back customers. The only response customer support can give you that - It is in progress and automated emails.

WORST CUSTOMER SUPPORT. BEWARE.