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Online Banking FAQs
What is NBAD Online Banking?
NBAD Online Banking is the internet banking service provided by National Bank of Abu Dhabi for our UAE personal banking customers. NBAD Online Banking enables you to access your NBAD account and card information, and make transactions around the clock.
How do I access NBAD Online Banking?
NBAD Online Banking can be accessed from nbad.com – click on the Login button at the top of the page and select Personal Banking - UAE.
Who can register for NBAD Online Banking?
Any NBAD customer with a personal bank account or credit/debit cards in the UAE can register for NBAD Online Banking.
How do I register for NBAD Online Banking?
Register for NBAD Online Banking by clicking on ‘Register for NBAD Online Banking’ on the NBAD Online Banking homepage. You can reach the NBAD Online Banking homepage from nbad.com – simply click on the Login button at the top of the page and select Personal Banking - UAE.
What services are available in NBAD Online Banking?
These are the key functions available in NBAD Online Banking:
See your balance (accounts and cards)
See you transaction history and details of each transaction
View your account statement
Apply online for NBAD products and services
Transfer money between your own NBAD accounts or cards in the UAE
Transfer money to other NBAD accounts or cards in the UAE
Transfer money to other banks in the UAE
Make international transfers by transferring money to banks outside of the UAE
Pay your utility bills
Make payments to various charities
Use our SMS Cash feature - transfer money for your beneficiary to withdraw at any NBAD ATM in the UAE
Manage your beneficiaries
Schedule your money transfers and utility bill payments
Activate or block your card
Send secure messages to NBAD
Set up alerts for your account activity
Personalise your account details
What languages is NBAD Online Banking available in?
NBAD Online Banking is available in English and Arabic.
What do I do if I have forgotten my NBAD Online Banking user ID?
If you have forgotten your NBAD Online Banking user ID, you can call NBAD in the UAE on 600 56 6223, or if you’re outside of the UAE call us on +971 2 635 8001. You can also email us on firstname.lastname@example.org.
How do I reset my NBAD Online Banking password?
You can reset your NBAD Online Banking password by clicking on ‘Forgotten your password’ on the NBAD Online Banking homepage.
How do I register for NBAD Online Banking if I have a joint account?
If you have a joint account, use your CIF (your Customer Number, which you’ll find on your account statement) to register for NBAD Online Banking.
How do I contact NBAD for support with NBAD Online Banking?
You can call NBAD in the UAE on 600 56 6223, or if you’re outside of the UAE call us on +971 2 635 8001. You can also email us on email@example.com.
Can I use NBAD Online Banking outside of the UAE?
Yes, you can access NBAD Online Banking anywhere that you have an internet connection.
Can I use NBAD Online Banking on my smartphone?
NBAD Online Banking can be used on desktop computers, laptops, tablets and smartphones. Your experience will be unaffected, no matter how large the screen that you’re viewing NBAD Online Banking on.
What is the difference between NBAD Online Banking and the NBAD Mobile Banking app?
NBAD Online Banking and the NBAD Mobile Banking app have similar features, and you can use one or the other depending on the circumstances and your own personal preference.
NBAD Online Banking can be used on any device (such as a desktop computer, laptop, tablet or smartphone), and can be accessed through a browser (such as Google Chrome or Firefox), without needing to download anything.
The NBAD Mobile Banking app is designed specifically for use on your iPhone or Android smartphone. You can download the app from the App Store or Google Play.
All of your accounts, cards and beneficiaries appear in both NBAD Online Banking and the NBAD Mobile Banking app.
A slightly wider range of features is available in NBAD Online Banking - the NBAD Mobile Banking app focuses on the features that are most useful to you while you're on the move.
How much of my transaction history can I see in NBAD Online Banking and the NBAD Mobile Banking app?
The NBAD Mobile Banking app shows only your most recent transactions.
You can view, search and export your transactions from the last 90 days in NBAD Online Banking. For transactions older than 90 days, you can view and download your online statements in NBAD Online Banking.
What the charges for using NBAD Online Banking?
NBAD Online Banking is free to use, but standard payment charges will be applied for the following payment types: a. Transfers to other banks within the UAE b. Transfers to banks outside the UAE c. SMS Cash
A nominal cash advance fee will be charged where a credit card is used as a funding source for transfers between your own NBAD accounts, for transfers to other NBAD accounts or cards, for transfers within the UAE, for transfers outside the UAE, and for SMS Cash.
How do I create a beneficiary for a payment in NBAD Online Banking?
You can create a beneficiary either as the first step in making a payment, or without making a payment to them at that point in time.
Your beneficiary can be a person or organisation with an account at NBAD, or an account with other banks either within the UAE or overseas, or even a utility provider in the UAE.
Creating your beneficiary for any type of payment generates a template – this template contains your new beneficiary’s details for that type of payment. Whenever you want to make another payment to this beneficiary, all their details will be available to you in their template. Their templates are also available to you to use in the NBAD Mobile Banking app.
What are ‘NBAD charges’ and ‘All charges’, when I make a transfer to another bank in NBAD Online Banking?
Any NBAD charges for the transfer are debited from your account. Correspondent bank and/or beneficiary bank charges, if any, will be deducted from the amount that the beneficiary receives.
All Charges (sender pays all charges)
In addition to any applicable NBAD charges, a charge of AED 1 (for AED transactions) or AED 100 (for foreign currency transactions) will be debited from your account to cover correspondent bank and/or beneficiary bank charges. The beneficiary will receive the full amount of the transfer.
What is the Comfort Zone in NBAD Online Banking?
The Comfort Zone on your NBAD Online Banking homepage shows you at-a-glance where your account or card balance is in relation to the minimum and maximum levels you’ve set for it. The minimum and maximum levels can be customised by you for each of your accounts and cards.
Which browsers are supported by NBAD Online Banking?
NBAD Online Banking supports Microsoft Internet Explorer 10 and higher, and the latest versions of Google Chrome and Mozilla Firefox.
What security is in place to authenticate transactions in NBAD Online Banking?
NBAD Online Banking uses One Time Passwords (OTPs) as a second level of security to authenticate your transactions in NBAD Online Banking.
What is the One Time Password (OTP) in NBAD Online Banking?
NBAD Online Banking’s One Time Password is an 8 digit code generated by NBAD and sent to your registered mobile number or email address. This provides a second level of security when you make a transaction in NBAD Online Banking or access its services. NBAD uses the latest encryption standards and secure servers to ensure that your One Time Password gives you the security you need when banking online.
How do I sign up for OTP via email?
You need to contact the NBAD Call Centre to sign up to receive OTP codes via email on 600 56 6223 or if you’re outside of the UAE call us on +971 2 635 8001.
How can I access my OTP code via email?
OTP codes issued via email will be sent in the form of a password protected PDF attachment. You will need to enter an 8-digit passsword to open the PDF file (consisting of the last 4-digits of your CIF + the last 4-digits of your mobile number - i.e if your CIF is 1234567890 and the last 4-digits of your mobile are 1234, your password will be 78901234).
What do I do if I don't receive a One Time Password via SMS and/or email in NBAD Online Banking?
If you make a transaction in NBAD Online Banking and don’t receive the One Time Password via SMS or email, you can regenerate the code by clicking on ‘Resend OTP’.
What do I do if my mobile phone is lost or stolen?
If your mobile phone is lost or stolen, you can call NBAD on 600 56 6223 or +971 2 635 8001 and report it – we’ll deactivate your access to NBAD Online Banking until you’ve got your phone back.
What do I do if I've changed my mobile phone number or email address?
We hold a registered mobile phone number and email address for you – this is the number and email address that we send SMSs and emails to, including One Time Passwords for use in NBAD Online Banking. If you change the registered mobile phone number or email address, visit your nearest NBAD Branch to update your new mobile number or email address with us.
Can I register an overseas phone number to receive my NBAD Online Banking One Time Password SMS on?
You can register an overseas mobile number with us, and we’ll send your SMS One Time Password to it. However, your mobile service provider may prevent you from receiving the SMS.
Does receiving the One Time Password SMS cost me money?
We do not charge you for your NBAD Online Banking One Time Password SMS. However, if your mobile service provider levies a charge for receiving SMSs, you may receive a charge from them.