Online Services

Convenient, Secure SMS Banking.

Keep track of your money, wherever you are with CBD SMS Banking.

Get 24/7 customer care and the most important features you expect from your bank.

Banking made easy, with CBD SMS Banking

Conveniently keep track of your finances through SMS Banking

The SMS alerts service will send an SMS message to the mobile phone number that you have registered with us each time a requested transaction is passed on your account. It is a very convenient way of keeping track of your finances, allowing you to stay updated and in control of the transactions on your account.

What can you do with SMS Banking?

SMS Notifications

Salary Credits
Receive an SMS notification after your salary has been credited to your account.
Balance Updates
Balance information at your convenience (daily, weekly or monthly) dial 800 223 (CBD) to active the service.
Credit / Debit Card Transactions
The SMS Alerts service will send an SMS message to the mobile phone number that you have registered with us each time a requested transaction is passed on your cards.

Manage

Bill Payments
Make bill payments - Wasel, Etisalat utilities, Water and Electricity, instant top up E-Dirham.
Apply for products
Apply for savings, deposit accounts and loans instantly through SMS Banking.

Easy Transfers
Transfer money between your own accounts.

On the Go

Mobile Banking
Quick and convenient access to your accounts and much more.
View Mobile Banking Video

Phone Banking
Access your bank 24 hours a day, seven days a week, all year round, from home, from office, car or even while at the beach.

Online Banking
Keep better track of your bank account activities and view your transactions.

Register for Online Banking

Getting started with SMS Banking

To start using CBD SMS Banking, all you need is a CBD Current, Savings, Call, Fixed Deposit, Loan or Credit Card Account.
Refer to the below table and enter the request format as an SMS text message and send it to 4266 (please make sure your number is registered with CBD).
The symbol ^ means space

Amount Balance

Bal ^ last 4 digits Card No.

Last 3 Card Transactions

INQ ^ last 6 digits A/C No.

Credit Card Due

Due ^ last 6 digits A/C No.

Transfer between your own A/C

TRF ^ 6 digits A/C No. ^ Account number you want to transfer to (10 digits) ^ Amount

Credit Card Balance

Bal ^ last 4 digits Card No.

Last 3 Card Transactions

INQ ^ last 4 digits A/C No.

Credit Card Due

Due ^ last 6 digits A/C No.

Bill Payment

Pay ^ Consumer No. ^ Amount

Wasel Renewal

RNW ^ Mobile Number (Wasel) ^ Amount

Try it Now

Security Tips for SMS Banking

How we protect you

Just as criminals try to steal from people through email fraud, they also try to steal through text message fraud. This is typically known as SMiShing - phishing that happens through SMS text messages. A criminal sends a text message intended to trick you into replying with financial or personal information or clicking on a link that will sneak a virus onto your mobile device. Follow these tips to be on guard against SMiShing:

Don’t respond to a text message that requests personal or financial information. Commercial Bank of Dubai will never ask you for personal or financial information in a text message.
Verify any phone number that appears in a text message. If you’re in doubt, call the customer service number on 800 CBD (223), on your statement or on the back of your credit / debit card.

If you think you may have disclosed your account details to a suspicious party, contact us immediately by calling 800 CBD (223) or email to whistleblower@cbd.ae

Learn more about CBD Security

FAQs

About CBD SMS Banking

When can I transfer funds through CBD Online Banking?

All transfers are available 24/7, except for foreign currency transfers to your own CBD accounts or to other CBD accounts. They are not available during weekends (from 3:30 pm on Thursday to 8:00 am on Saturday) and on public holidays. Foreign currency transfers to other UAE banks and International transfer, are available 24/7.

What happens if I think someone knows my password?

If you suspect that someone knows your password or it has been lost or stolen, you can change the Password through our website. Alternatively, call us on 600 575 556 to request for new one.

What happens if I have lost or forgotten my password?

If you have lost or forgot your Password, please click “Forgot Password” and follow the steps to reset your Password. Or please contact us on 600 575 556 and we’ll be happy to help you out!

What is a session?

A session is defined as the period of time between logging on to CBD Online Banking and logging off. Within the session time period, every movement is recorded for security purposes.

What is a login password?

A login password is your access code which allows you to access your account. It should be between 6 – 8 alphanumeric characters. This password will only let you view your account details – no transactions can be carried out with it. You will need a transaction PIN in order to do that.

How many chances do I have to enter my CBD Online Banking?

You have 3 attempts to enter your correct password before your account gets locked, for security purposes. If your account is locked, please call speak to one of our Customer Service Agents on 600 575 556 – and we’ll help you out!

How do I login to CBD Online Banking?

What is a User ID?

A User ID is a unique name which you choose to Login to CBD Online Banking with. The User ID is not case sensitive, can’t be less than 6 or more than 14 characters and can’t have spaces or special characters.

What is required to get started with CBD Online Banking?

To be able to register for CBD Online Banking, all you need is a Current or Savings accounts, Call or Fixed deposit, or a Loan or Credit Card account. Please call us on 600 575 556 to find out more about Online Banking.

What is Apply Now section in CBD Online Banking?

Apply now is a new function where you can easily apply for different products, such as account, personal loan and credit card. While applying, please have handy your passport with a valid residence visa and Emirates ID.

What banking transactions can I perform with CBD Online Banking?

You can perform all Transfers and Bill Payments through CBD Online Banking.

What type of accounts or products and services can I see in CBD Online Banking?

We do offer a lot in CBD Online Banking. Register for our CBD Online Banking where you can enjoy following benefits and features:

Account management (view all accounts and view accounts’ transactions).
Credit card management (view all credit cards and view credit card’s transactions).
Transfer funds in different currencies (to your own accounts, other CBD accounts, other banks' accounts).
Bill payments (Etisalat, Du, utility companies, Salik recharge).
Beneficiary management (set up and modify your beneficiaries).
Make requests for different services, like address update, cheque books request, etc.
Apply online for different products, like accounts, credit cards and personal loan.
Manage your day-to-day finances by using unique Budget and Track tool.

What are the benefits of CBD Online Banking?

Where to start...There are multiple benefits: CBD Online Banking lets you access your banking information in one place and manage online transactions from anywhere at anytime; it helps you manage your finances with Budget and Track tool; through CBD Online Banking you can apply for different products. It's easy to register for, easy to use, safe and convenient. The possibilities are various, just try it out and see for yourself.

What is CBD Online Banking?

CBD Online Banking is a fast, simple and convenient way to do your online banking. It allows you to access your account information, do payments, inquire about your banking information and much more, with the highest security measures to ensure your data and financial information is secure. CBD Online Banking gives you real time access to your accounts information round the clock.

Registration Process

What happens if I stop using CBD Online Banking?

Your User ID will remain active and you can return at any time.

Why is it necessary to log off from CBD Online Banking?

Logging off is very important to keep your banking information secure. It is recommended that you log off for privacy and security reasons. If you do not log off, other users may be able to view or change your information. For additional security, it is recommended that you also close your web browser.

How soon can I start using CBD Online Banking?

You can start using CBD Online Banking immediately, once you complete the self-registration process.

Are there any registration or monthly usage fees for using CBD Online Banking?

There are no registration or monthly usage fees. However, there is a small charge of AED 25 for re-issuing a transaction pin manually.

What is a User ID?

The user ID is a unique name which you choose. No one else can have the same user ID as yours. The user ID must be:

6 to 8 characters long.
It cannot start with number.
Must be alphanumeric.
It cannot contain any characters like &; > " ' % ; ) ( & + - ! @ # $ * = .

Who is eligible for CBD Online Banking?

If you are a CBD customer, you're automatically eligible for CBD Online Banking.

How do I register for CBD Online Banking?

Create username and password by clicking on Register and then just follow the instructions to finish creating your very own personal CBD Online Banking account.

SMS Banking Features

What is a token?

A Security Token is an electronic key that randomly generates a 6-digits Pass-code displayed on its screen and changes every 60 seconds. A Security Token works when used in conjunction with a fixed 4-digit PIN of your choice. You can request a hard token through the branch or a digital token through Online Banking.

How to get token PIN?

To set up token PIN, please follow these steps:

1.After login, please click "Service" tab
2.Under "Online Settings", please select "Token PIN Generation" from Request Type dropdown menu
3.Enter token pass-code (6-digit number on your token) and click submit
4.Enter the new four digit PIN and confirm the same

What is a Secure Token?

A Secure Token is an electronic key that is an additional layer of authentication to enable secure electronic banking .The token randomly generates a 6 digit pass-code that displays on the app and changes every 60 seconds. A Security Token works when used in conjunction with a fixed 4 digit PIN of your choice.

Can I use both digital and hard token?

You can use both digital and hard token, but not at the same time.

How to request a token?

Digital token:

You can request a digital token through Online Banking (Services page or at the time of making a transaction) or through Mobile Banking (Settings page):

Follow the instructions to download the RSA SecurID App and provide the biding ID. To complete the process, please ensure that your mobile number is registered and updated with CBD.
Once you bind the token with Online Banking, you will receive a call from a CBD customer service agent to assist you in activating your token.
You will receive SMS with the link that you need to open within the app.
After activation, you can use it to make transactions in online or mobile banking that require an added layer of authentication.
Generate 4-digit token PIN, if you are using token for the first time (you can generate it in Online Banking, under Online Settings.

Hard token:

You can request a hard token by visiting your nearest branch and request for it. You need to activate your token by calling 800 223 (CBD). Once activated login to Online Banking and generate token PIN (Services page - Online settings).

How long do I need to wait for my digital token to be activated?

Digital token will be activated within 24 hours.

How to activate digital token?

After your digital token request is validated by Call Center, you will receive SMS once your token has been activated.

What if I lose my mobile phone, what will happen to my digital token?

Please call us at 600 575 556 to disable the digital token or re-assign it to your new mobile phone. Security token only works when it is combined with 4 digits token PIN, so please make sure that you don't share it with anybody and don't save it in your mobile phone.

How secure it is to use digital token?

CBD has taken all the required measures to ensure the safety of digital token. Digital token is mapped to your mobile hardware device ID, so it can only be used on mobile device. Also, token only works when it is combined with 4 digits token PIN, so please make sure that you don't share it with anybody and don't save it in your mobile phone.

How to get token PIN ?

You can setup token PIN within CBD Mobile Banking App after linking the token or by online banking using the following steps:

Login to online banking and go to Services page. Under online settings, select “Token PIN Generation” from Request Type dropdown menu. Enter token pass-code (6 digit number on your token) and click on Submit. Enter the new 4 digit PIN and confirm the same.

What is token PIN ?

Token PIN is a fixed 4-digit PIN of your choice (which is different than your transaction PIN) that works together with security token in carrying out financial transactions in Online Banking.

To setup token PIN:

1.Login to Online banking and go to Services page.
2.Under online settings, select “Token PIN Generation” from Request Type drop down menu.
3.Enter token pass-code (6 digit number on your token) and click on submit.
4.Enter the new four digits PIN and confirm the same.

How to get transaction PIN?

You can get it through CBD Online Banking, under Services – Online Settings, by selecting Create/Reset Transaction PIN and providing the PIN. You need to confirm the new PIN and input the One Time Password sent to your mobile number registered with us.

When to use transaction PIN?

You can use your PIN for transactions up to AED 25,000 for the following services:

Bill Payment.
Transfer to other CBD Accounts.
Credit Card Payment.
CBD Financial Services.
For transfers within RIM (your unique identification number) (up to AED 1,000,000).
For Cash online transfers (up to AED 200,000).
For E-Dirham (up to AED 100,000).

Note: the above thresholds may be subject to change from time to time.

What is a transaction PIN?

Transaction PIN is a 4 digit code that allows you to do financial transactions on CBD Online Banking. You can do fund transfers, pay your utility bills plus other financial payments.

How to get a token?

To request a hard token you need to visit your nearest branch and request for it. You need to activate your token by calling 800 CBD (223). Once activated login to Online Banking and generate token PIN (Services page- Online settings).

To request a digital token you need to login to Online Banking and request a digital token (Services page or at the time of making a transaction):

    Follow the instructions to download the RSA SecurID App and provide the biding ID.To complete the process, please ensure that your mobile number is registered and updated with CBD.
    Once you bind the token with Online Banking, you will receive a call from a CBD customer service agent to assist you in activating your token.
    You will receive SMS with the link that you need to open within the app.
    After activation, you can use it to make transactions in online or mobile banking that require an added layer of authentication. Don’t forget to generate 4-digit token PIN, if you are using token for the first time (you can generate it in Online Banking, under Online Settings.

When do I need to use a token?

You will need to use your token for the following Online Banking transactions:

All bill payments above AED 25,000
Transfers to other CBD accounts above AED 25,000 (this excludes your own account transfers).
All domestic and international transfers (remittances).
Cash Online and CBD Financial Services transactions above AED 200,000.

You will need to use your token for the following Mobile Banking transactions:

All bill payments and fund transfers above AED 25,000 (this excludes your own account transfers).

What should I do if I have lost my token?

Please call use on 600 575 556 to disable your token. Or you can disable it in Online Banking (Services-Requests).

How do I use a token?

Easy! Just enter the 4 fixed digits PIN which you created/selected followed by the 6 digits that is displayed on your hard or digital token.

To setup token PIN:

Login to Online banking and go to Services page.
Under Online Settings, select “Token PIN Generation” from Request Type drop down menu.
Enter token pass-code (6 digit number on your token) and click on submit.
Enter the new four digits PIN and confirm the same.

Security

Online Services

Convenient, Secure SMS Banking.

Banking made easy, with CBD SMS Banking

Conveniently keep track of your finances through SMS Banking

What can you do with SMS Banking?

SMS Notifications

Salary Credits

Balance Updates

Credit / Debit Card Transactions

Manage

Bill Payments

Apply for products

Easy Transfers

On the Go

Mobile Banking

Phone Banking

Online Banking

Getting started with SMS Banking

Amount Balance

Last 3 Card Transactions

Credit Card Due

Transfer between your own A/C

Credit Card Balance

Last 3 Card Transactions

Credit Card Due

Bill Payment

Wasel Renewal

Security Tips for SMS Banking

How we protect you

FAQs

SMS Banking_new

Useful links

Company

Apps

Get in Touch