Emirates Islamic Bank is a leading Shariah-compliant bank in the UAE that delivers Islamic banking services for retail and business customers. You see the bank combine ethical finance, digital innovation, and customer-focused products. Emirates Islamic uses Islamic finance structures such as Murabaha and Ijarah to ensure halal transactions without interest. The bank operates under the Emirates NBD Group and serves a fast-growing base across the UAE through award-winning digital platforms, secure accounts, and transparent financing solutions. The sections below describe the bank’s identity, growth, Islamic principles, and major recognitions. You can get information about Dubai Islamic bank.
About Emirates Islamic Bank
What defines Emirates Islamic Bank in the UAE?
Emirates Islamic Bank defines itself as a Shariah-compliant financial institution that supports consumers and businesses with retail banking, digital banking, and corporate solutions. The bank positions itself as a strategic entity within the Emirates NBD Group and follows ethical finance models rooted in Islamic principles. A dedicated Shariah Board monitors governance and ensures compliance across all products.
Key Points
- Provides retail, business, and wealth-management services.
- Combines Shariah governance with modern digital tools.
- Operates as part of the Emirates NBD Group in the UAE banking sector.
History, Foundation & Growth
When was Emirates Islamic Bank established?
Emirates Islamic Bank was established in 2004 in Dubai as part of the Emirates NBD Group. The bank expanded from a niche Islamic financial institution into a national banking provider with more than 650,000 customers. Growth accelerated through digital transformation, diversified product lines, and strong demand for Islamic finance in the UAE. You can get information about Abu Dhabi Commercial bank.
Shariah Principles & Ethical Banking
How does Emirates Islamic Bank apply Shariah principles?
Emirates Islamic Bank applies Shariah principles by removing interest and enabling halal transactions through Murabaha (cost-plus financing), Ijarah (leasing), and profit-sharing models. The bank directs investments toward halal sectors and uses a Shariah Supervisory Board to validate each product.
Awards & Recognition
Why is Emirates Islamic Bank recognized as an award-winning Islamic bank?
Emirates Islamic Bank earns recognition from institutions such as World Finance Magazine and Global Banking and Finance Review. The bank receives awards for digital innovation, strong Shariah compliance, customer satisfaction, and high product quality. These achievements support its status as a leading Islamic bank in the UAE. You can get information about Emirates NBD bank.
Personal Banking Services
Emirates Islamic Bank provides personal banking services that include accounts, cards, and Shariah-compliant finance solutions. You see the bank structure products around digital access, instant onboarding, and customer benefits. The service ecosystem supports daily banking needs with strong security, competitive profit rates, and flexible account options.
Current & Savings Accounts
Which current and savings accounts does Emirates Islamic Bank offer?
Emirates Islamic Bank offers current and savings accounts such as the Classic Current Account, e-Savings Account, Kunooz Millionaire Savings Account, and multi-currency accounts. The bank supports instant account opening through digital channels and provides debit-card access across its UAE network.
Account Comparison Table
| Account Type | Key Features | Digital Access | Target User |
|---|---|---|---|
| Classic Current Account | Chequebook, debit card, AED transactions | Online & mobile banking | Daily banking users |
| e-Savings Account | Profit-based savings, no branch visit | Full digital onboarding | Digital-first savers |
| Kunooz Millionaire Account | Prize draws, savings growth | Online account management | Prize-focused savers |
| Multi-Currency Account | Multiple currencies, global transfers | Digital FX services | International users |
Debit & Credit Cards
What types of debit and credit cards does Emirates Islamic Bank offer?
Emirates Islamic Bank offers debit and credit cards such as Cashback Cards, Skywards Cards, Etihad Guest Cards, and SmartMiles Cards. These cards provide cashback rewards, travel benefits, lounge access, insurance coverage, and supplementary card options. You gain access to local and global payment networks with strong security features. You can get information about FAB balance check.
Personal Finance Products
Which personal finance products does Emirates Islamic Bank provide?
Emirates Islamic Bank provides personal finance, home finance, and auto finance products with flexible tenures and competitive profit rates. Home finance can cover up to 85% of property value with tenures of up to 25 years. Auto finance supports new and used vehicles through transparent profit structures.
Business & Corporate Banking Solutions
Emirates Islamic Bank delivers business and corporate banking solutions that support SMEs, large companies, and government entities. The bank structures its offering around business accounts, financing services, and digital cash-management platforms. You see digital tools streamline operations and accelerate capital access.
Business & Corporate Accounts
Which business and corporate accounts does Emirates Islamic Bank offer?
Emirates Islamic Bank offers business and corporate accounts supported by a Business Banking Debit Card and access to an ATM network that covers more than 30 million merchants globally. SME banking services provide account management, payments, and liquidity tools tailored to small and medium enterprises. You can get information about Mashreq Bank.
Business Finance & Trade Services
What business finance and trade services are available?
Emirates Islamic Bank offers business finance, trade finance, and corporate financing with quick approvals and competitive pricing. These services support working capital, imports, exports, and contract-based transactions. You gain structured solutions that align with Shariah-compliant financing principles.
Cash Management & Payment Solutions
How does Emirates Islamic Bank support cash management and payments?
Emirates Islamic Bank supports cash management through businessONLINE, an integrated digital platform that manages cash flow, receivables, and payments. The bank provides a payment gateway, UAE DDS services, and virtual accounts to streamline reconciliation and automate business operations.
Digital Banking & Mobile App (EI+)
Emirates Islamic Bank strengthens its digital banking strategy through EI+ mobile banking and advanced online services. You see the bank integrate mobile-first design, streamlined transactions, and secure authentication methods. The platform supports fast access to accounts, transfers, payments, and investment tools across iOS and Android devices.
EI+ Mobile Banking App Features
What features does the EI+ mobile banking app provide?
The EI+ app provides more than 200 digital banking features, including payments, transfers, card management, and account monitoring. The app uses user-friendly UI/UX design and supports iOS and Android devices. You access mobile banking tools that simplify daily financial tasks. You can get information about Abu Dhabi Islamic Bank.
Key Features
- Manage accounts, cards, and finance products
- Transfer funds locally and internationally
- Track spending and statements
- Enable card controls and digital wallets
Online Banking Functionalities
What can users do through EI+ Online Banking?
EI+ Online Banking supports fund transfers, bill payments, account management, and statement retrieval. Users access dashboards that centralize banking information and streamline daily transactions. The platform supports secure login, multi-channel payments, and full control over personal and business accounts.
Security & Authentication
How does Emirates Islamic Bank secure digital banking sessions?
Emirates Islamic Bank secures sessions using SmartPass, biometric login, 256-bit SSL encryption, OTP authentication, and fraud-prevention monitoring. The security system protects data, verifies identities, and ensures a secure connection across mobile and web channels.
Money Transfers & Payments
Emirates Islamic Bank enables local and international transfers through mobile banking, online banking, and payment partners. You see support for domestic transfers, utility bill payments, cross-border transactions, and digital wallet integrations. The structure ensures fast routing and transparent profit calculations.
Local Transfers & Bill Payments
Which local transfer and bill-payment options are available?
Emirates Islamic Bank enables domestic transfers and utility payments for DEWA, Etisalat, ADDC, and other service providers. Users can also make instant payments through Instapay and QuickRemit channels. The system supports rapid settlement within the UAE.
International Transfers & SWIFT Services
How does Emirates Islamic Bank handle international transfers?
Emirates Islamic Bank processes international transfers through the SWIFT network and enables global payments across supported corridors. Users initiate cross-border transfers through EI+ Online Banking and mobile channels with transparent fees and secure routing.
Peer-to-Peer & Wallet Services
Which P2P and wallet services are supported?
Emirates Islamic Bank supports P2P payments through mobile-number transfers and enables wallet integration with Apple Pay, Google Pay, and Samsung Pay. These tools simplify small transfers and contactless payments.
Wealth Management & Investments
Emirates Islamic Bank provides Shariah-compliant wealth solutions that connect customers to global markets and ethical investment products. The bank structures its offering around equities, Sukuk, global funds, and digital trading tools. Users access advisory insights and portfolio-management features.
Shariah-Compliant Investment Solutions
What Shariah-compliant investment solutions does the bank offer?
The bank offers Shariah-compliant equities, ethical investment accounts, and global market exposure. These products follow Islamic investment guidelines and avoid non-halal sectors. Users gain structured access to diversified, compliant assets.
Sukuk & Global Funds
Which Sukuk and global funds are available?
The bank provides access to more than 120 Sukuk options and multiple global funds that use profit-sharing models. These instruments support diversified returns and align with Shariah-compliant investment strategies.
Digital Wealth Platform & Equity Trading
What does the digital wealth platform offer?
The digital wealth platform offers commission-free equity trading, analyst views, and portfolio-management tools. Users monitor global markets, execute trades, and manage allocations through a streamlined digital interface.
Customer Support, Branches & Contact Options
Emirates Islamic Bank provides customer support through branches, ATMs, call centres, and digital help channels. You see the bank focus on accessibility, multilingual communication, and fast response systems. The service network supports personal, business, and corporate users across the UAE.
Branches, ATMs & Business Centres
How can customers access Emirates Islamic branches and ATMs?
Customers access more than 200 branches and over 900 ATMs, including Cash Deposit Machines across the UAE. The bank offers a branch locator that helps users find nearby branches and business centres for account services, financing, and advisory support.
Call Centre & Support Channels
Which support channels does Emirates Islamic Bank provide?
Emirates Islamic Bank provides a call centre reachable at 600 599 995, along with WhatsApp Banking, live chat, and email support. These channels deliver customer care services for account queries, card issues, transfers, and digital-banking assistance.
Multilingual & Inclusive Support
How does Emirates Islamic Bank support multilingual communication?
Emirates Islamic Bank supports Arabic, English, Hindi, and Urdu to ensure inclusive banking. The bank includes accessibility features and protects customer rights through clear communication and service transparency.
Compliance, Governance & Customer Rights
Emirates Islamic Bank operates under strict regulatory oversight and follows transparent governance structures. You see alignment with UAE regulations, international standards, and internal audit mechanisms. The bank ensures customer rights through ethical policies and structured complaint processes.
Regulatory Oversight & Governance
Which authorities regulate Emirates Islamic Bank?
The Central Bank of the UAE regulates Emirates Islamic Bank as a P.J.S.C. entity. The bank follows compliance frameworks, internal audits, and international standards to maintain operational integrity.
Code of Ethics & Privacy Protection
How does Emirates Islamic Bank protect customer data?
The bank protects customer data through confidentiality policies, privacy safeguards, and fraud-awareness systems. Users benefit from secure handling of personal information and clear ethical guidelines.
Complaints & Resolution Process
How are customer complaints resolved?
Customer complaints receive a reference number and are handled through a structured process that targets resolution within 15 working days. Users may escalate cases to Sanadak if needed for additional support.
Community Initiatives, Zakat & Social Responsibility
Emirates Islamic Bank supports community development through CSR programs, charitable partnerships, and Islamic-aligned Zakat initiatives. You see the bank contribute to social welfare, education, and financial empowerment.
Zakat & Charitable Programs
How does Emirates Islamic Bank support Zakat and charity?
The bank supports Zakat through a Zakat Calculator and collaborates with organizations such as Awqaf Dubai and the Community Development Authority. Customers contribute directly to approved charitable channels.
Financial Literacy & Empowerment Programs
Which financial literacy programs does the bank offer?
The bank offers training on saving, budgeting, and financial planning to support community empowerment. These programs help customers manage money responsibly and build long-term financial resilience.
How to Get Started with Emirates Islamic Bank
Emirates Islamic Bank simplifies onboarding through digital registration, branch visits, and instant account opening. You see streamlined steps that help new users complete KYC and activate online banking.
Eligibility & Required Documents
What documents are required to open an account?
Customers provide Emirates ID, passport details, and KYC documents as proof of identity. These documents verify eligibility and support compliance with UAE regulations.
How to Open an Account (Online & Branch)
How does a customer open an Emirates Islamic account?
Customers open accounts by completing instant registration through the EI+ app or visiting a branch. The steps include identity verification, form submission, document upload, and mobile-app setup for online access.
Getting Help & Next Steps
How can customers get help when starting?
Customers receive support through the call centre, branches, live chat, and WhatsApp. These channels guide users through onboarding, account activation, and digital setup. You can get information about National Bank of Fujirah.
Conclusion
Emirates Islamic Bank positions itself as a leading Shariah-compliant bank offering digital banking, personal finance, business solutions, and ethical services across the UAE. You can start instantly through EI+ digital onboarding or visit the nearest branch for personalised assistance.
Hi, I’m Haseeb Ahmed, the founder of KhaleejBlog.com — a premier travel platform dedicated to providing practical and up-to-date travel tips across Dubai, Saudi Arabia, Oman, and Qatar. My mission is to help travelers explore the Gulf region with ease, discover hidden gems, and make the most of every journey.
