Emirates Islamic Bank is a preferred option for UAE residents as well as businesses looking for Shariah-compliant banking. Its offerings include savings and current accounts credit cards, auto and personal financial services, corporate banking as well as international transfers, and electronic banking.
This guide will help you create an account, access Emirates Islamic Bank online services Contact customer service locate an ATM or branch and get what the bank’s SWIFT code. Because charges or offers, eligibility requirements and opening hours may be subject to change, verify important information with the bank prior to applying or contacting them.
What Is Emirates Islamic Bank?
Emirates Islamic was launched in 2004 to offer banking services that adhere to Shariah principles. It caters to individuals, small-scale businesses and larger corporations via accounts, cards financial and payment products. The bank says that its products, activities services, and contracts are operated within the Shariah governance structure that complies with UAE rules.
Customers might notice that the bank employs terms like financial planning, auto finance and covered cards instead of the conventional credit and loan terminology. But, many people look up “Emirates Islamic Bank loan” to find the Shariah-compliant options for financing.
Emirates Islamic Bank Account Opening
Emirates Islamic offers current accounts as well as savings accounts and deposit products to meet different financial requirements. Before selecting a product, you should compare the minimum balance conditions, expected profits debit-card access, transfer charges, and account charges.
Customers who are eligible can apply for Emirates Islamic Bank online account opening using EIPlus Mobile Banking, or through online banking for certain accounts. The bank’s current account details confirm that a current account is able to be opened online.
Personal applicants might require an original Emirates ID or passport UAE residence visa, and information about their income or salary. The requirements are contingent on the person applying and the type of account, and the bank could require additional documents as part of the review.
To open the opening of an Emirates Islamic Bank business account businesses may require a license for trade or incorporation documents, identity documents and ownership information for signatories who are owners or authorized. The requirements vary based on the company’s structure and the registration authority.
Emirates Islamic Bank Online Banking and Login
Emirates Islamic Bank online services let customers complete a variety of daily tasks without having to visit the branch. With EI+ Online Banking and the mobile app, customers can track balances, review transactions, view statements and transfer funds to pay bills and handle specific account or card requests.
Customers can sign-up with an eligible account debit or credit card, along with the date of birth information. Existing customers can access their Emirates Islamic Bank login only via their official site or via mobile app.
Don’t divulge your PIN, password, or the one-time password to anyone. Be sure to verify the address of the website before entering your information Beware of login links that are sent in unwelcome texts or emails.
Online banking is particularly helpful outside of regular branch timings. It makes it less necessary to visit a branch in order to perform basic tasks like checking the amount, downloading or paying a report or making a payment for a bill.
Emirates Islamic Bank Credit Cards
Emirates Islamic offers credit cards with different spending and lifestyle patterns. Based on the card, Emirates Islamic Bank credit card advantages include airline miles, cashback access to airport lounges valet parking entertainment discounts, purchasing protection, and instalment options.
The most suitable card is not always the one that has the most benefits. If you are a frequent traveler, consider an airline miles card, whereas households that spend a lot of money on food, fuel or telecom expenses could get greater benefit through cashback.
Before you apply, consider the following items:
- Fees for membership or annual
- Minimum salary requirements
- Conditions for earning rewards
- Welcome-bonus requirements
- Monthly minimum spending
- Foreign transaction fees
- Cash withdrawal charges
- Fees for late-payment
- Payment requirements for monthly payments
Promotions and benefits change and some require registration in advance or a minimum amount. Review the current Key Facts Statement and full terms of the card instead of just relying on the advertisement.
Emirates Islamic Bank Personal Finance
Anyone looking in search of how to get an Emirates Islamic Bank personal loan typically are seeking the bank’s personal financial products. These Shariah-compliant products can be used to meet the needs of a person’s personal, such as home renovations as well as travel, education, or even rent.
Approval is contingent on the salary the employer pays, age of the employee, UAE residency, existing credit and financial commitments. The amount of money approved, the profits rate, and time frame for payment will vary for each applicant.
Before you apply for personal finance with Emirates Islamic Bank, calculate the monthly installment to ensure it fits well within your household budget. Check out processing fees, early-settlement conditions, late payment charges along with the entire amount to be paid.
Do not compare offers on finance with only a flat rate. Make sure you ask for the equivalent of a reducing rate and then read the Key Facts Statement to understand the total costs of the agreement.
Emirates Islamic Bank Auto Finance
Emirates Islamic Bank auto finance is available to eligible pre-owned, certified new and pre-owned vehicles. The bank defines its auto-finance model as Shariah compatible Murabaha and lets customers verify their eligibility and then apply online or in branches.
The decision to apply for a loan could be based on the income of the applicant or residency status, any existing commitments, age of the vehicle and value, as well as the down payment amount and preferred payment date.
Be aware of the full costs associated with car ownership instead of only looking at the monthly installment. The cost of registration, insurance or Takaful, maintenance, fuel and the possibility of early-settlement fees are all factors that affect affordability.
Customers must also confirm that the advertised rate is applicable to their income, vehicle type, or customer class. The promotional rates for starting might only be offered to those who meet certain requirements.
Emirates Islamic Bank Business Account
A Emirates Islamic Bank business account can assist a business to get customer payments and pay suppliers, as well as manage payroll, and manage local and international transfer.
Business customers also have access to businessONLINE. Access is granted only after approval of the company login information and an authenticating method that allows authorized users to control their bank accounts for the company.
When you are comparing banking services for business be aware of:
- Minimum monthly balance
- Fees for maintaining your account
- Transfer charges for international and local transfers
- Cash deposit requirements
- Number of users who are authorized
- Payroll services
- Access to branches as well as deposit machines
- Controls for online banking
A retailer that is cash-driven could prioritize easy deposit machines as well as branch access. A company that is online and receiving payments from a variety of countries could be more concerned about international transfers as well as fees associated with currency.
Emirates Islamic Bank Customer Care
Official Emirates Islamic Bank customer care number in the UAE is 600 599 995. Internationally, the number is +971 600 599 995..
The bank also lists +971 600 570003 for Business Banking and Customercareunit@emiratesislamic.ae for customer-care emails. The bank’s automated call-banking and call-centre services are accessible 24 hours a day.
This Emirates Islamic Bank call center can help with issues including:
- Access to your account
- Card that is lost or blocked
- Unrecognised transactions
- Transfers to and from the international as well as local
- Bank problems with online transactions
- Credit card inquiries
- Applications for finance
- Service and complaint requests
If your credit card is lost, stolen, or used to make a purchase you aren’t familiar with Contact immediately the Emirates Islamic Bank helpline immediately. Only use the numbers shown through the website’s mobile app, or the back of your card.
Do not divulge to a potential caller your card’s PIN, password or a one-time password, even if they claim to be employed by the bank.
Emirates Islamic Bank Near Me: Branches, ATMs and CDMs
The best way to find the closest Emirates Islamic Bank is to make use of the official branch of the bank or ATM locator. It’s more reliable than an older directory as locations, services and hours of operation may be subject to change. Emirates Islamic provides branches and self-service facilities throughout the UAE.
For search terms such as Emirates Islamic Bank Dubai, Emirates Islamic Bank Sharjah, Emirates Islamic Bank Ajman or Emirates Islamic Bank Abu Dhabi simply type in the location or city into the locator, and then select the services you require.
There are also searches for Emirates Islamic Bank Dubai Mall, Emirates Islamic Bank BurJuman and Emirates Islamic Bank Abu Dhabi Mall. Before you visit the mall or designated area check if the result is a complete branch, ATM, cash deposit machine or other service point.
Popular Emirates Islamic Bank Branches and Locations
| Branch | Location |
|---|---|
| Dubai Mall Branch | Dubai Mall |
| Dubai Hills Branch | Dubai Hills Mall |
| Al Twar Branch | Al Nahda Road, Al Qusais 2 |
| Nakheel Mall Branch | Palm Jumeirah |
| Nad Al Hamar Branch | Al Rabat Street |
| Dubai Healthcare City | Building 16, Healthcare City |
| Al Wasl Road Branch | Al Ferdous 1 Building |
| Abu Dhabi Branch | Airport Road |
| Abu Dhabi Main Branch | Wave Tower, Corniche Road |
| Al Ain Branch | Opposite Al Ain Mall |
| Halwan Branch | Wasit Street, Sharjah |
| Qasimiya Branch | King Abdul Aziz Street, Sharjah |
| Rahmania Mall Branch | Rahmania Mall, Sharjah |
| Ajman Branch | Al Jurf 2, near City Centre Ajman |
| Ras Al Khaimah Branch | Al Nakheel, Al Muntaser Road |
| Fujairah Branch | Hamad Bin Abdullah Street |
Branch availability and timings may change. Check the official Emirates Islamic branch locator before visiting.
Emirates Islamic Bank ATM and Deposit Machines
A Emirates Islamic Bank ATM can accommodate transactions in cash, such as withdrawals of balance inquiries and certain card services. A CDM which is also known as cash deposit machines, permits clients who are eligible to deposit cash without completing a counter-transaction.
Not every ATM accepts deposits. To locate the Emirates Islamic Bank ATM near you, a deposit machine in close proximity to you, or an Emirates Islamic Bank CDM near you, search the official locator using facility type, and then look up the available services.
It’s also a good idea to determine if the machine is operational in the evenings, particularly in the case of the mall or office building.
Emirates Islamic ATM Locations
| ATM | Location |
|---|---|
| Dubai Mall ATM | Lower Ground Floor, Dubai Mall |
| Airport Road ATM | Airport Road, Abu Dhabi |
| Sharjah Airport ATM | Sharjah International Airport |
| Ansar Mall ATM | Al Nahda, Sharjah |
| FEWA Dhaid ATM | Dhaid, Sharjah |
| Bawadi Mall ATM | Mazyad Road, Al Ain |
| Jimi Mall ATM | Jimi Mall, Al Ain |
ATM services and access hours may change. Use the official Emirates Islamic locator to find the nearest ATM, CDM or 24-hour machine before visiting.
Emirates Islamic Bank Timings
Emirates Islamic Bank timings can differ between standalone branches as well as mall locations. The hours of operation can also vary on Fridays, during public holidays, as well as during Ramadan.
To conduct the “Emirates Islamic Bank near me open now” search check the current hours using the locator. Then make a call prior to leaving. This is crucial in the event that you require a specific service since each branch is not able to handle all types of requests.
Emirates Islamic Bank SWIFT Code
Its Emirates Islamic Bank SWIFT code is MEBLAEAD. Some transfer systems in the world utilize the 11-character format MEBLAEADXXX which has “XXX” representing the bank’s principal office.
An SWIFT or BIC code is used to identify the bank in the process of international transfers. An IBAN will identify the particular customer’s account. In order to receive a payment from abroad you might need to provide the following information:
- Your full name on your account
- Account number
- IBAN
- Address and name of the bank
- Emirates Islamic Bank SWIFT code
Copy transfer information via online banking, or a official bank statement. Incorrect beneficiary information could delay or even block a transfer.
Emirates Islamic Bank Careers
Emirates Islamic Bank careers include opportunities in branch banking, customer service as well as finance, risk management and compliance, as well as technology operations and data. The bank also supports intern, graduate and Emirati-development programs. Job seekers can look through the current openings and submit their applications through the official platform for recruiting.
Beware of anyone who asks for money to accept a job offer. Utilize official channels for recruitment and confirm the job before providing financial or personal information.
Final Thoughts
Emirates Islamic offers personal and business customers a wide range of Shariah-compliant banking options within the UAE. Credit cards, accounts and financing products, as well as digital platforms, and physical service networks meet different needs, however none of them is the best for every client.
Check the qualifications requirements, total cost and the practical benefits carefully. Review the latest Key Facts Statement prior to applying for a credit card or other finance product. Also, utilize the official locator tool to confirm the location of branches along with the available services and times.
Frequently Asked Questions
1. Which is what is the Emirates Islamic Bank customer-care number?
Make a call to 800 599 995 in the UAE and (+971600 599 995) from outside the country.
2. How do I find what is the Emirates Islamic Bank SWIFT code?
Its SWIFT code used is MEBLAEAD. Certain systems might show MEBLAEADXXXX.
3. Can I create my Emirates Islamic account online?
Customers who are eligible can open certain accounts via EIand Mobile Banking as well as online banking.
4. How do I get access to my Emirates Islamic Bank login?
Make use of on the Official Emirates Islamic website or EI+ Mobile Banking App.
5. Do Emirates Islamic offer personal loans?
It offers Shariah-compliant personal financing instead of a traditional loan based on interest.
6. Are there any Emirates Islamic provide auto loans?
It provides Shariah-compliant auto financing to eligible new, certified pre-owned, and used vehicles.
7. Where can I find the Emirates Islamic Bank near me?
Find a search area or emirate with the official branch of the bank and ATM location.
8. Where can I find the Emirates Islamic CDM near me?
Find the official location for the CDM or deposit-enabled machines.
9. What are the Emirates Islamic Bank timings?
The timings of branches vary according to seasonal and weekday So make sure you confirm these before visiting.
10. How do I apply to apply for Emirates Islamic Bank careers?
Apply for jobs and review vacancies via the bank’s official career platform.
