FINANCIAL FUSION - Services & functions provided to me by NBAD Online:
- Manage Accounts - View your accounts, Card details and balances, search for your transactions, download search results of your transactions into Tab delimited (Microsoft Excel), Comma Delimited, PDF, Quicken (Web Connect), Quicken (QIF), Plain Text or Microsoft Money for easy reconciliation.
- Transfers - Multi currency fund transfers between your accounts (except to and from any fixed deposits or loan accounts).
- Payments - Pay any of your suppliers, creditors, NBAD Credit card, Reload pre-paid card, Charity, SMS money transfer*, Utilities Company (ADDC , ETISALAT, AADC, DEWA , DU) or anyone having an account with NBAD,
- Remittance (e-transfers) - Pay anyone virtually anywhere in the world. Give us the details of the person or company you wish to send money to, and we will do the rest while you enjoy preferential exchange rates and 33% discount on charges.
- Service Centre – Request for our various available services
- Message Centre - Secure electronic mail to and from the bank. You may send us your inquiries, information or instructions to: Update your personal details, Increase your daily transactions limit or to add / remove any of the nbadOnline functions mentioned above.
BENEFITS - Of using NBAD Online:
- Access your Nbad accounts anytime, anywhere, using any computer with Internet access.
- Paying your bills using your Nbad Accounts or Nbad cards.
- Get cheaper remittance charges compared with the branch remittance charges
- Additional security for the online access through multi factor authentication (Password, Image authentication and RSA Secure ID Token)
- Free utility bill payments and NBAD credit card payments
- Instant fund transfer to another NBAD account holder without any charges.
- 24x7 online facilities.
- Online scheduling / standing orders for payments, transfers and remittance.
HOME - Customize my NBAD Online access:
- What types of accounts can be monitored under my bank?
You can view your Accounts, Investments, Cards, Deposits, Treasury, and Loans.
- How can I View Summary of all Accounts, Cards etc Linked to my User in a Single page?
Point the cursor on Link ‘HOME’ and Click on ‘My Bank’
- How can I set Alerts for Online activities?
Point the cursor on Link ‘HOME’ select Alerts à Online alerts. Select the required options to enable online alerts based on your preferred channels like SMS, E mail OR Alert Centre.
This is place provided in your nbadOnline access to record your active alerts based on the alert settings (Online/Transaction).
- How can I set Alerts for account transaction?
Point the cursor on Link ‘HOME’ select Alerts à Transaction alerts. Select the required options to enable online alerts based on your preferred channels like SMS, E mail OR Alert Centre.
- How can I add new Email or Mobile number in Online/Transaction alert page?
Point the cursor on Link ‘HOME’ select Alerts à Contact points. Click button ‘ADD NEW CONTACT POINT’. Enter Name, select Email/SMS and enter Email ID /Mobile Number accordingly, Save and confirm, new contact details will be available in transaction or online Alerts.
- How can I send a specific query/issue/ Complaint to NBAD using nbadOnline?
You can utilize Message Centre to send/Receive secure message to NBAD, Point the cursor on Link ‘HOME’ select Messages à ‘Send Message also you can view Received/New Messages in Messages à ‘Message Centre’.
- How can I update my personal information or contact information?
Point the cursor on Link ‘HOME’ select Preferences à My Profile, Update the required editable field and click Save.
- How can I change my User ID or nbadOnline password?
Point the cursor on Link ‘HOME’ select Preferences à My Profile, Enter the required fields in “User ID & Password” section and click Save.
- How can I switch off Session receipt facility?
Point the cursor on Link ‘HOME’ select Preferences à My Profile, Select On or off fields in “Session Receipt” section and click Save.
- Can I allow my other person to access my account only with limited access?
Yes. You can allow a Secondary User by providing separate User ID and password that you can generate by creating secondary user in nbadOnline.
- How can I create secondary User?
Point the cursor on Link ‘HOME’ select Preferences à Manage Users, Click on ‘I Agree’ button after reading the terms and conditions displayed on the page, Click on button ‘ADD USER’ then Fill required fields including User ID and Password.
MANAGE ACCOUNTS – To monitor/Search of my accounts & cards transactions:
- How can I Search old transaction details?
Point the cursor on Link ‘Manage Account’ and select Account History à View History, Enter selection criteria and click view.
- How can download transaction details?
Point the cursor on Link ‘Manage Account’ and select Account History à View History. Enter selection criteria and click view, Click Export Button, Enter selection criteria and file type (Quicken (QIF), PDF, Quicken (Web Connect), Plain Text, Microsoft Money, Comma Delimited, Tab Delimited) and Export.
- How can I Search for specific transaction details?
Point the cursor on Link ‘Manage Account’ and select advanced search àselect account, Enter selection criteria and click search.
- Can I View My mutual Fund Details using nbadOnline?
Yes, Point the cursor on Link ‘MANAGE ACCOUNTS’ and Select ‘Mutual Funds’ à ‘Details’
PAYMENTS – To Pay my suppliers, NBAD Credit card, Reload prepaid card, Charity, SMS, Utilities Company:
- How can I Pay Utility Payment for ETISALAT?
Point the cursor on Link ‘Payments’ and select ‘Utility Bills’à ‘Single Payment’, Fill the details including Payee (ETISALAT, ADDC, DEWA, DU), Account number, Amount, Date of execution etc, Click ‘Send Payment’
- How can I Pay to another NBAD Account Holder?
Point the cursor on Link ‘Payments’ and select ‘Intra Bank’à ‘Single Payment’, Fill the details including Beneficiary name and Account, Amount, Date of execution etc, Click ‘Send Payment’
- How can I Pay NBAD My Credit Card Bill?
Point the cursor on Link ‘Payments’ and select ‘Other NBAD Credit Card’à ‘Single Payment’, Fill the details including Card Number, Amount, Date of execution etc, Click ‘Send Payment’
- How can I Pay Utility Payment for Charity?
Point the cursor on Link ‘Payments’ and select ‘Charity’à ‘Single Payment’, Fill the details including Payee, Amount, Date for execution etc, Click ‘Send Payment’
- Can I Transfer money to my Friend via SMS?
Point the cursor on Link ‘Payments’ and select ‘SMS Money Transfer’à ‘Single Payment’, fill the details including Mobile number, Amount, Date of execution etc, Click ‘Send Payment’
- How can I Re-load my NBAD pre-paid card?
Point the cursor on Link ‘Payments’ and select ‘Reload Prepaid Cardà ‘Single Payment’, Fill the details including Prepaid Card number, Amount, Date of execution etc, Click ‘Send Payment’
- Can I Execute Multiple Payments for Utility bill/ Charity/ NBAD Credit card?
Yes, Point the cursor on Link ‘Payments’ and select (Utility Bill/ Intra Bank/ Reload Prepaid Card/ Intra Bank)à ‘Multiple Payment’, Fill the details including Amount, Date of execution etc, Click ‘Send Payment’
- How can I View Utility bill/ Charity/ NBAD Credit card Executed / Pending Payments?
Point the cursor on Link ‘Payments’ and select (Utility Bill/ Intra Bank/ Reload Prepaid Card/ Intra Bank)à ‘Summary’
- How can I View/Manage Utility bill/ Charity/ NBAD Credit card Saved Templates for Payments?
Point the cursor on Link ‘Payments’ and select (Utility Bill/ Intra Bank/ Reload Prepaid Card/ Intra Bank)à ‘Manage Templates’
CARDS – My Debit/Credit cards details:
- How can I View My Credit Card Details and Outstanding Balance.?
Point the cursor on Link ‘CARDS” and select ‘Credit Card’ à ‘Details’
- How can I View My Credit Card Statement?
Point the cursor on Link ‘CARDS” and select ‘Credit Card’ à ‘Online Statement’
- I lost/ Stolen My Credit Card. How Can I block it?
Point the cursor on Link ‘CARDS” and select ‘Credit Card’ à ‘Details’, Click Button ‘BLOCK CARD’, Next Page Enter Reason and Submit.
- How can I View My Debit Card Details?
Point the cursor on Link ‘CARDS” and select ‘Credit’ à ‘Details’
- In case of lost/ Stolen Debit Card. How Can I block it?
Point the cursor on Link ‘CARDS” and select ‘Debit à ‘Details’, Click Button ‘BLOCK CARD’, Next Page Enter Reason and Submit.
TRANSFERS – Internal transfer of my accounts:
- How Can I transfer Money from My Current account to Savings Account?
Point the cursor on Link ‘TRANSFERS” and select ‘Fund Transfers’ à ‘Single Transfer’, Enter/select Details including Form and To Account, Click Button ‘SEND TRANSFER’
- Can I Execute Multiple Transfers together?
Yes, Point the cursor on Link ‘TRANSFERS” and select ‘Fund Transfers’ à ‘Multiple Transfer’, Enter/select Details including Form and To Account for Multiple transfers, Click Button ‘SEND TRANSFER’
- How can I View Executed / pending online Transfer instruction?
Point the cursor on Link ‘TRANSFERS” and select ‘Summary’
- How can I View/Manage Saved Templates for Transfers?
Point the cursor on Link ‘TRANSFERS and Select ‘Manage Templates’
REMITTANCE – To pay anyone virtually anywhere in the world:
- How Can I Send Money from My account to Outside NBAD (Anywhere in the world)?
- Point the cursor on Link ‘REMITTANCES” and select ‘Single Remittance’,
- Select Details in section ‘Beneficiary Bank Info ‘, Enter/select Details in section ‘Debit Information’,
- Select Remittance Currency from drop down.
- Select Payment methods: The amount to be transferred to the beneficiary or the amount to be debited from my account,
- Select option:
- Pay less charges - (Charges are deducted from the remittance amount) only applicable Bank tariff is debited to your account. Correspondent and/or beneficiary bank charges, if any, will be deducted from the remittance amount. Beneficiary receives remittance less all such charges.
- Pay in full - (Remitter pays all charges) In addition to applicable Bank tariff, a nominal charge of AED 100 related to Correspondent and/or beneficiary bank charges, irrespective of destination country or selected currency, will be debited to your account. Beneficiary will receive remittance amount in full.
- Click Button ‘SEND REMITTANCES’
- Can I Execute Multiple REMITTANCES together?
Yes, Point the cursor on Link ‘REMITTANCES” and select ‘Multiple Remittance’, Select Saved Remittance template and select Account and amount, Click Button ‘SEND REMITTANCES’, Please note that Multiple Remittance is possible only with saved templates.
- How can I View Executed / pending online Remittance instruction?
Point the cursor on Link ‘REMITTANCES” and select ‘Summary’
- How can I View/Manage Saved Templates for Transfers?
Point the cursor on Link ‘REMITTANCES and Select ‘Manage Saved Templates’
SERVICE CENTER – Others bank products services:
- What types of other branch services available that I can avail through nbadOnline?
For NBAD Direct customers: Card Related Services, Account Related Applications, Term Deposits, Loan Related Services, and other service like (Safe Box, Leverage etc) are available and Cheque book request option is available for all nbadOnline users.
- How Can I request for Cheque Book?
Point the cursor on Link ‘SERVICE CENTER” and select ‘Services’, Click on link ‘Request for Cheque Book’, Select required details Click Button Submit and Send.
- How to View Online Session Receipt?
Point the cursor on Link ‘SERVICE CENTER” and select ‘Session Receipt’.
Technical and Security:
- Will there be two user names for joint accounts?
Each account holder is issued a separate Username and access.
- What kind of computer equipment and software do I need for NBAD Online?
You need a computer, Internet access and one of the following recommended Internet browsers: Microsoft® Internet Explorer 8 and higher / Google chrome / Mozilla Firefox. You can use either a Macintosh or a Windows computer.
- I am a Mac user - will I be able to access NBAD Online?
Yes, as long as you're using a recommended Internet browser which are Google chrome / Mozilla Firefox
- What Internet browsers should I use to access NBAD Online?
NBAD Online works best with Microsoft® Internet Explorer 8 and later / Google chrome / Mozilla Firefox.
- I can get to the NBAD home page, so why can't I log in to my account?
The most common problems are cookies, browsers, typing errors and ISPs.
Cookies: A cookie is information that is stored on a user's computer hard drive after accessing the Internet. Typically, a cookie stores a user's preferences when accessing a particular Internet site. Cookies must be accepted in order for a user to access accounts online. If cookies are not accepted, a user must log into every account screen within Online banking with a user name and password. Check your browser settings to ensure you accept cookies from NBAD Online. For help, call Customer Services at 800 22 11.
Browsers: If a browser doesn't adequately support encryption, then users cannot log in to view accounts online - for security purposes. Make sure you're using Internet Explorer 7 and later / Google chrome / Mozilla Firefox
Typing errors: Internet users most often type in an address URL to reach a Web site. Secure pages have slightly different URL from other sites on the Internet. All secure Web sites begin with the letters "https://". Most websites use "http://" without the "s". Without the "s" you cannot connect securely to your accounts.
ISP connections: Internet Service Providers (ISPs) are your connection to the Internet. At times their connections may not be functioning properly, which prevents you from accessing your accounts. Check to see if you can get to any other secure sites on the Web. If not, your ISP may be the problem.
- I've reset my password, but I still can't log in. What could I be doing wrong?
NBAD Online passwords are case sensitive. Make sure the CAPS LOCK isn't on and try again. If you are still unable to log in, please call Customer Service at 800 22 11.
- What security measures does NBAD Online use?
NBAD Online uses several layers of technology to ensure the confidentiality of its transactions across the Internet. Security begins with a browser. Encryption is used to ensure the data flowing between the browser and the Bank's computers is private and secure from external sources. The Bank is also protected by a system of filtering routers and firewalls that form a barrier between the outside Internet and the internal bank network. An important part of this architecture is the Trusted Operating System, the dominant security platform in government computing at the Defense Department and other high-security government agencies. You also have your own responsibilities to protect the security of your Internet bank account information. Keep your password secure and make sure no one is watching as you enter your password. Take appropriate precautions to keep your computer clean and free from viruses that could be used to capture password keystrokes.
Yes. NBAD is committed to making NBAD Online safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Online Banking also uses 128-bit SSL encryption. To help protect your privacy while you are using the service, we will sign you out of NbadOnline after 15 minutes of inactivity (unless otherwise specified in your preferences).
SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the NBAD Online site, you are secure through our use of SSL technology.
Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted. We then decode your request for information and send it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and the Bank, encryption protects your account information so it can't be intercepted and read by a third party.
- What is 128-bit encryption?
There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. NBAD Online uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.
- What is a Global Certificate?
A Global Certificate is a specialized SSL certificate which raises the minimum security level for all users to 128-bit encryption, even for those browsers that do not have 128-bit encryption feature turned on. This technology was developed to enable customers to temporarily interact with Web sites that demand a minimum encryption level of 128-bit. Therefore, our Global Certificates will automatically raise your security level for the duration of your NBAD Online session, thereby providing added assurance that your data is protected.
FAQ