Mashreq Bank: Complete Guide to Services, Accounts, Credit Cards and Banking in UAE

Looking for everything about Mashreq Bank? Whether you want to open a NEO account, check your balance, apply for a credit card, get a personal loan, or find customer care support, this guide covers it all in simple, easy language. From swift codes to career opportunities, from online banking to branch locations – we’ve got every detail you need about one of the UAE’s oldest and most innovative banks.

Let’s explore Mashreq Bank in a way that’s easy to understand and actually helpful. You can get information about Dubai Islamic bank.

What is Mashreq Bank?

Mashreq (Arabic: بنك المشرق) is the oldest privately owned bank in the United Arab Emirates and one of the oldest banking institutions in the Middle East. Founded in 1967 by the Al-Ghurair Group as the Bank of Oman, Mashreq has grown into a financial powerhouse serving customers for over 50 years.

Here’s what makes Mashreq special: the bank operates across 13 countries with 16 overseas offices, employs thousands of banking professionals, and has built a reputation for innovation and customer service. Since its inception in 1967, Mashreq has adopted principles that contribute towards building a sustainable planet.

Mashreq Bank’s headquarters is located on Al Asayel Street, off Umniyati Street, in the Burj Khalifa Community, Dubai, United Arab Emirates. The bank is led by Chairman Abdul Aziz Al Ghurair, who has guided its transformation into one of the region’s most digitally advanced financial institutions.

What sets Mashreq apart is its focus on digital banking. The bank was among the first in the region to introduce online banking and e-commerce services, and today it continues leading with its fully digital Mashreq NEO platform. You can get information about Abu Dhabi Commercial bank.

Mashreq Bank Customer Care and Contact Numbers

Getting help from Mashreq Bank customer service is easy through multiple channels available 24/7.

Main Contact Numbers

Within UAE: 04 424 4444
From Outside UAE: +971 4 424 4444

These numbers connect you to customer service representatives who help with accounts, cards, loans, and all banking queries.

Specialized Contact Numbers

Private Banking: 800 PRIVATE (800-7748283) / +971 4 4244466
Gold Banking: 800-4-GOLD (800 44653) / +971 4 424 4653
Corporate Banking: 800-CCSU (800-2278) / +971 4 4246620

Email Support

For corporate customers: corporate-csu@mashreq.com

Additional Contact Methods

• Live Chat – Available on Mashreq.com for instant messaging
• Mobile App Chat – Built-in chatbot in the Mashreq mobile app
• Social Media – Active support on Twitter, Facebook, and Instagram
• Email Forms – Submit inquiries through the website contact page
• Branch Visit – Walk into any branch for face-to-face assistance

The Mashreq call center operates with extended hours, and many services are available 24/7 through automated systems and online banking.

Mashreq Bank Swift Code and IBAN

For international money transfers, you need Mashreq Bank’s SWIFT code.

Main SWIFT Code

The primary SWIFT code for Mashreq Bank is BOMLAEAD. This code is assigned to MASHREQBANK PSC and is registered at Umniyati St, Al Asayel Street 345, Dubai, United Arab Emirates.

This 8-character code represents the head office. You may also see it written as BOMLAEADXXX, where XXX indicates the primary office.

Understanding the SWIFT Code

BOML represents the bank code assigned to MASHREQBANK PSC, AE represents the country code for United Arab Emirates, and AD represents the location code.

Branch-Specific SWIFT Codes

Different Mashreq branches may have specific codes. Always verify with your branch or the recipient to ensure you’re using the correct code for your transaction.

How to Use SWIFT and IBAN

When receiving international transfers to your Mashreq account, provide:

• SWIFT code: BOMLAEAD
• Your complete IBAN number
• Your full name as registered on the account
• Account details

You can find your IBAN by logging into the Mashreqbank app, online banking, or checking your bank statement.

Mashreq NEO Accounts – Digital Banking Made Easy

Mashreq NEO is the bank’s fully digital banking platform designed for modern customers who want banking without branches.

What is Mashreq NEO?

Mashreq NEO is a simple, secure, and convenient way to access your accounts and cards using your smartphone. You can open an account, manage money, pay bills, and do everything from your mobile app without ever visiting a branch.

Types of NEO Accounts

NEO Current Account
Perfect for daily banking needs with salary transfer benefits

NEO Savings Account
Grow your money with competitive interest rates

NEO PLUS Saver Account
Get market-leading rates on savings — 6.25% p.a. if you transfer salary to Mashreq NEO Account OR 5% p.a. if you maintain AED 50,000+ in NEO PLUS Saver Account

NEO Smart Account
Combines savings and current account features in one

NEO Account Benefits

When you transfer your salary, refer friends and transact with Mashreq NEO, you can earn up to AED 5,000 bonus.

With NEO PLUS, you get fee-free everyday banking including free ATM withdrawals worldwide, local & international money transfers, and cheque books.

Other benefits include:

• Zero minimum balance requirement
• Instant account opening in minutes
• No paperwork required
• Exclusive shopping and dining offers
• International money transfers
• Digital wallet support (Apple Pay, Google Pay, Samsung Pay)
• 24/7 mobile banking access

How to Open Mashreq NEO Account

Open a Mashreq NEO Account or Mashreq Al Islami Account in minutes with instant digital bank account opening.

Via Mobile App:

1. Download “Mashreq Mobile” from App Store or Google Play
2. Select “Open an Account”
3. Choose account type (Savings, Current, or Salary)
4. Enter personal details (name, date of birth, nationality)
5. Provide UAE mobile number and email
6. Create secure password
7. Scan Emirates ID using phone camera
8. Take selfie for facial recognition
9. Provide employment details if required
10. Submit application and wait for approval

Via Website:

1. Visit mashreq.com or mashreqneo.com
2. Click “Open Account” or “Get Started”
3. Follow similar steps as mobile app
4. Upload required documents
5. Complete verification process

NEO Account Requirements

You must be at least 18 years old and transfer a minimum monthly salary of AED 5,000 or have an annual turnover of at least AED 60,000 for salary accounts.

Required documents:

• Valid Emirates ID
• UAE residence visa (for expatriates)
• Active UAE mobile number
• Valid email address
• Passport (for non-residents)

Mashreq Bank Balance Check

Checking your Mashreq balance is quick and easy through multiple methods.

Via Mobile App

1. Open Mashreq Mobile app
2. Log in with credentials
3. View balance on home screen
4. Tap accounts for detailed view
5. See all transactions

Via Online Banking

1. Visit mashreq.com
2. Click “Login”
3. Select Personal Online Banking
4. Enter username and password
5. View dashboard with balance
6. Access account statements

Via ATM

1. Visit any Mashreq ATM
2. Insert debit card
3. Enter PIN
4. Select “Balance Enquiry”
5. View balance on screen
6. Print receipt if needed

Via SMS

Send an SMS to Mashreq’s banking number from your registered mobile to receive balance information (check with customer care for activation and format).

Via Phone Banking

Call 04 424 4444 and follow automated prompts to check your balance using your T-PIN or by speaking with a customer service representative.

Mashreq Bank Credit Cards

Mashreq offers various credit cards designed for different lifestyles and spending patterns.

Popular Credit Card Options

Platinum Cashback Card
Earn cashback on all purchases with no annual fee options

Platinum Elite Card
Premium benefits with travel perks and exclusive privileges

Solitaire Card
Luxury card with high credit limits and concierge services

ONE Credit Card
Simplified rewards with points on every spend

Mashreq Smiles Card
Earn Smiles points for use across Emirates and partners

Smart Saver Credit Card
Focus on savings with competitive rates and reward features

Novo Cinema Card
Exclusive offers in Novo cinemas for movie lovers

Credit Card Minimum Salary

Mashreq credit cards start with AED 5,000 minimum salary for Novo Credit Card. Other cards have higher requirements ranging from AED 8,000 to AED 25,000 depending on the card type.

Credit Card Benefits

Joining bonus offers include AED 500 on Cashback card, AED 500 on Platinum Elite card and AED 2,000 on Solitaire card when you spend AED 4,500 within the first three months.

Other benefits include:

• Earn up to 6 Mashreq Vantage points on all spends
• Redeem points for airmiles, gift cards, cashback
• Travel insurance and personal accident cover
• Airport lounge access (premium cards)
• Shopping and dining discounts
• Easy payment plans for big purchases
• Convert purchases into EMIs

Applying for Credit Cards

Visit mashreq.com, select your preferred card, fill the online application, upload required documents (salary certificate, Emirates ID, passport), and wait for approval which typically takes 3-5 business days.

Mashreq Bank Personal Loans

Need financing? Mashreq personal loans offer competitive rates and flexible terms.

Personal Loan Features

Mashreq requires a minimum salary of AED 5,000 per month for salary transfer customers and AED 12,000 for non-salary transfer loans.

The reducing rate starts from 5.99% and can vary between 5.99% to 16% depending on customer salary and if the company is listed with the bank.

Other features:

• Loan amount up to AED 1 million
• Repayment period up to 48 months
• Quick approval process
• Minimal documentation
• Processing fee is 1% of loan amount with minimum AED 500 and maximum AED 2,500
• Early settlement fee is 1% of remaining balance or AED 10,000, whichever is less

Islamic Finance Option

Mashreq also offers Shariah compliant Islamic products through Mashreq Al Islami for customers preferring Islamic financing.

Credit Card Loans

With a Mashreq credit card, you can apply for instant cash loans or transfer loan amounts into your bank account with loans against your credit card being pre-approved without document verification.

The bank offers Easy Cash facility where you can convert credit card purchases into easy installment plans with a longer repayment period of up to 36 months.

How to Apply for Personal Loans

1. Visit mashreq.com and go to personal loans section
2. Check eligibility and use loan calculator
3. Submit online application
4. Upload required documents
5. Wait for approval (usually 24-48 hours)
6. Receive funds in your account

Or visit any Mashreq branch with your Emirates ID, salary certificate, and bank statements for in-person application.

Mashreq Bank Branches and Locations

Mashreq has an extensive branch network throughout the UAE.

Finding Branches

Visit mashreq.com/branch-locator to find branches near you with:

• Full addresses
• Contact numbers
• Opening hours
• Services available
• Parking information

Major Branch Locations

Dubai:

• Headquarters: Al Asayel Street, Burj Khalifa Community
• Multiple branches in Deira, Bur Dubai, Jumeirah
• Mall locations at major shopping centers
• Business district branches on Sheikh Zayed Road

Abu Dhabi:

• Multiple branches serving the capital
• Located in key business and residential areas

Sharjah, Ajman, RAK:

• Strategic branch locations across Northern Emirates

Other Emirates:

• Branches in Al Ain, Fujairah, and other major cities

Branch Timings

Most branches operate:

• Sunday to Thursday: 8:00 AM – 2:00 PM
• Some branches have extended hours
• Mall branches may have different timings
• Check specific branch timings on website

Mashreq Online Banking

Mashreq’s online banking platform gives you complete control of your finances from any computer.

Features of Online Banking

• View account balances and transactions
• Transfer money locally and internationally
• Pay bills and manage standing instructions
• Apply for products (cards, loans, accounts)
• Download statements
• Manage debit and credit cards
• Set alerts and notifications
• Foreign exchange services
• Investment management

How to Register

1. Visit mashreq.com
2. Click “Register” or “Enroll”
3. Enter account number and Emirates ID
4. Verify with OTP
5. Create username and password
6. Set security questions
7. Login and start banking

Login Process

1. Go to mashreq.com
2. Click “Login”
3. Select appropriate banking (Personal/Business)
4. Enter credentials
5. Complete any security verification
6. Access your dashboard

Mashreq offers Reset Services with Electronic Facial Recognition (EFR) to reset your online banking password for Mashreq Business Banking or NEO BIZ.

Mashreq Mobile Banking App

The Mashreq mobile app is your bank in your pocket with comprehensive features.

App Features

Manage your finances anytime and anywhere with Mashreq Mobile App including sending money, paying bills, applying for products, trading globally, or managing your money.

Specific features:

• Instant balance checks
• Quick money transfers
• Bill payments (utilities, telecom, schools)
• Cardless ATM withdrawals
• Cheque book requests
• Statement downloads
• Card management (block/unblock, set limits)
• Apply for new products
• Customer support via chatbot
• Biometric login (fingerprint/Face ID)

Downloading the App

For iPhone:
Search “Mashreq Mobile” or “Mashreq UAE” in App Store

For Android:
Search “Mashreq UAE” in Google Play Store

For Huawei:
Available on Huawei AppGallery

Mashreq ATMs and Cash Services

Mashreq has hundreds of ATMs across the UAE providing 24/7 banking services.

ATM Services

• Cash withdrawal
• Balance enquiry
• Mini statements
• PIN change
• Bill payments
• Mobile recharge
• Nol card top-up (select ATMs)
• Cardless withdrawal (via mobile app)

Cash Deposit Machines (CDMs)

Deposit cash and cheques 24/7 at Mashreq CDMs with instant credit to your account.

Finding ATMs

Use the Mashreq mobile app’s ATM finder, check mashreq.com/atm-locator, or search “Mashreq ATM near me” on Google Maps.

Mashreq Bank Business Banking

For entrepreneurs and companies, Mashreq offers comprehensive business solutions.

Business Accounts

• Current accounts for daily operations
• Savings accounts with profit
• Multi-currency accounts
• Cash management solutions
• Trade finance services

Business Loans

• Working capital loans
• Term loans for expansion
• Trade finance facilities
• Equipment financing
• Invoice discounting

Business Credit Cards

Corporate cards with expense management, rewards programs, and spending controls for employees.

NEO BIZ

Digital business banking platform offering instant account opening, online loan applications, and complete financial management through mobile and web.

Mashreq Careers and Employment

Looking for Mashreq Bank careers? The bank regularly recruits talented professionals.

Available Positions

Mashreq hires for:

• Retail banking roles
• Relationship managers
• Digital banking specialists
• Customer service representatives
• Credit analysts
• IT and technology professionals
• Risk and compliance officers
• Marketing and communications roles
• Operations and support staff

How to Apply

1. Visit mashreq.com/careers
2. Browse current job openings
3. Select positions matching your skills
4. Create account or login
5. Upload CV and cover letter
6. Complete application form
7. Submit and track application status

Career Benefits

Mashreq offers employees:

• Competitive salaries and bonuses
• Medical insurance for staff and family
• Professional development programs
• Career growth opportunities
• Modern work environment
• Performance-based incentives
• Annual leave and benefits
• Work-life balance initiatives

Mashreq Al Islami – Islamic Banking

Mashreq Al Islami is the bank’s Islamic banking division offering Shariah-compliant products.

Islamic Banking Products

• Islamic savings accounts
• Islamic current accounts
• Home finance (Ijara/Murabaha)
• Auto finance
• Personal finance
• Islamic credit cards
• Investment products

Contact for Islamic Banking

For Islamic banking queries, call 04 424 4444 or 04 424 4411 within UAE, or +971 4 424 4444/+971 4 424 4411 from outside UAE.

All Islamic products are approved by Mashreq’s Shariah supervisory board ensuring full compliance with Islamic principles.  You can get information about Emirates NBD bank.

Complaints and Resolution

If you have concerns or complaints about Mashreq services:

How to Raise Complaints

1. Contact customer care at 04 424 4444
2. Visit any Mashreq branch
3. Use the complaints form on mashreq.com
4. Email through official channels
5. Use mobile app chatbot

Mashreq will resolve your concern within 2 working days.

Escalation Process

If you are not satisfied with the final resolution provided by the bank or have not received a resolution within 30 calendar days, you have the right to escalate your complaint to Sanadak:

• Website: www.sanadak.gov.ae
• Call Center: 800SANADAK (800 72 623 25)
• Email: info@sanadak.gov.ae

Tips for Banking with Mashreq

1. Go Digital – Use Mashreq NEO and mobile app for most transactions to save time

2. Enable Notifications – Set up SMS and app alerts for all transactions

3. Use Vantage Points – Earn and redeem Mashreq Vantage points for maximum benefits

4. Explore NEO Benefits – Transfer salary to NEO for cashback and higher savings rates

5. Keep Details Updated – Ensure mobile and email are current for security alerts

6. Use Cardless Withdrawal – Withdraw cash without your card using the mobile app

7. Schedule Payments – Set up standing instructions for regular payments

8. Monitor Your Account – Regular balance checks help spot issues early

9. Leverage Credit Card Offers – Check for current promotions and discounts

10. Contact Support Quickly – Don’t hesitate to call 04 424 4444 for any issues

Frequently Asked Questions

What is the Mashreq Bank customer care number?
Call 04 424 4444 within UAE or +971 4 424 4444 from outside UAE for customer service.

What is Mashreq Bank’s SWIFT code?
The main SWIFT code is BOMLAEAD (or BOMLAEADXXX for the head office).

Can I open Mashreq NEO account online?
Yes, you can open a NEO account entirely online through the Mashreq mobile app in minutes without visiting a branch.

What is the minimum salary for Mashreq personal loan?
AED 5,000 for salary transfer customers and AED 12,000 for non-salary transfer loans.

What is the minimum salary for Mashreq credit cards?
Starting from AED 5,000 for basic cards like Novo, higher for premium cards.

How do I check my Mashreq balance?
Check via mobile app, online banking, ATM, SMS banking, or by calling phone banking.

Does Mashreq offer Islamic banking?
Yes, Mashreq Al Islami provides comprehensive Shariah-compliant banking products.

What are Mashreq NEO PLUS benefits?
Get 6.25% p.a. on savings with salary transfer, free ATM withdrawals worldwide, and free money transfers.

How long does NEO account opening take?
Instant digital opening takes just minutes through the mobile app.

Where is Mashreq Bank headquarters?
Al Asayel Street, off Umniyati Street, Burj Khalifa Community, Dubai, UAE.

Conclusion

Mashreq Bank stands as one of the UAE’s most innovative and customer-focused financial institutions. From its founding in 1967 to today’s cutting-edge digital banking with NEO, Mashreq continues evolving to meet modern banking needs.

Whether you need a fully digital NEO account with zero balance requirements, competitive personal loans starting at 5.99%, cashback credit cards, or comprehensive business banking solutions, Mashreq offers products designed for every financial goal.

The bank’s commitment to digital innovation means 97% of services are available through mobile and online platforms, making banking convenient 24/7 from anywhere. With customer care available at 04 424 4444, extensive branch networks, and user-friendly apps, support is always within reach.

From salary accounts offering up to AED 5,000 in bonuses to NEO PLUS savings at 6.25% p.a., from instant account opening to international SWIFT transfers using code BOMLAEAD, Mashreq provides banking solutions that work for you.

Ready to experience modern banking? Download the Mashreq mobile app, visit mashreq.com, call customer care, or visit your nearest branch to discover how Mashreq can help you Rise Everyday with smarter banking solutions.

Mashreq will never send emails that ask for confidential information and will never seek your personal details such as account information or password – stay safe and bank with confidence!  You can get information about FAB balance check.