Emirates NBD Reviews 1,371

My account got hacked with 25,000 and immediately blocked the card and called the bank to open case and investegate but unfortunately whenever I'm calling them always system down and they can't raise the request and keep hearing same answer from customer service that they keep sending emails to fraud department but no reply. Now passed almost 5 months and no update at all and as I understand from customer service this frauds happening regularly. After hearing this I had to open another account in different bank to transfer my salary since NBD customer support don't have time to help their clients

The digital platform is well designed. The interface is clean and highly responsive, which makes managing day to day finances efficient. I like how reliable and uncomplicated the system is.

I have been following up with Emirates NBD for over a month regarding a payment discrepancy in my banking app, and unfortunately, there has been absolutely no resolution. Every time I contact the call centre, they simply ask me to visit the branch. When I message through WhatsApp, they again tell me to approach the branch. But when I go to the branch, they have no proper answers and keep rejecting my request without solving the issue.
As a customer, where exactly are we supposed to raise complaints if every channel keeps redirecting us without providing a solution? This is very disappointing, especially from a bank that claims to offer modern, seamless banking services.

It is so uncomfortable to make payments using your Debit or Credit Card from Emirtaes NBD AAP. Evertime, we have to log in on App and Authorize transaction which is a double work. Please keep the option of OTP for payments so those who are not interested to use APP can use OTP instead.

The app should be for convenience not to make life difficult.

Besides I opened two millionaire account, after opening it disappeared . If an account is opened, it has balance or no, it should reflect on the dashboard. Also it does not give me any option to deposit in that, as its disappeared from the dash board.

Besides I read about your gold investment. The physical gold can be enchased through Emirates NBD only, the option should be , either to buy physical gold or digital gold, also it should have flexibility, if digital to sell directly on the app instantly and if physical to be en-cashed in any stores in UAE at the prevailing rate. Then its fun investing. (See the options other bank has).

There is no section on the APP to give feedback or chat with an Agent or Send Email through APP, which makes us completely isolated while on the APP.

Also the pending issue to receive payment is prevailing since 6 months and have not received any update for the payment I was supposed to receive from one vendor.

While NBD offers fast and efficient e-services—especially international transfers through their app—their customer service is deeply disappointing.

I applied for a Skywards mileage credit card at the Fujairah branch in early September 2025. The card was approved promptly but never delivered. Although I had updated my phone number (my original number was a temporary tourist SIM), the bank failed to update it in their system and repeatedly shared the inactive number with Aramex.

This resulted in multiple failed delivery attempts over several months. I contacted customer service numerous times and even returned to the branch in January 2026, where I was told the card had been returned because the courier could not reach me. A replacement card was issued, yet the same issue happened again.

Only after another follow-up call did a representative finally investigate and discover that my phone number had never been updated. This is despite the fact that my physical address and email are provided and are correct, alongside my UAE ID, and the bank and the carrier (Aramex) apparently rely exclusively on the phone number to deliver the item to the customer. The entire experience is frustrating and reflects significant poor internal coordination and case handling.

i cant reach a service agent on the calls, hire people to answer the phones

I have a requested for a personal loan, they asked me to submit all the documents, which i did, its been 2days no response from them, personal loan adviser name "Sha**nak* An*ru***

By far the worst bank I have ever used anywhere in the world. Incompetent on all levels with substandard communication and help. Avoid at all costs.

Honestly the worst experience I have had for opening an account in this bank. I have bank accounts all over the world and i am an Emirates resident with a gold card, their customer service is not existent if you dont have a Debit card and the ‘millionaire account opening specialist’ hasnt done anything for the last 2 months - meanwhile holding my funds hostage even the interest of that funds would probably pay his monthly salary!. I would have never ever opened an account with them if I knew this is what I was getting.

I was deducted for the EMI for 4 times for the loan that was never disbursed, this has been going on since July last year and requested to cancel it instead yet until now still no resolution! And now January is going to end and might get deducted again for the loan I never get. Spoke with customer service and with ENBD agent Muhammad Salman several times yet no resolution. This situation has caused me significant STRESS and ANXIETY for over 6 months now! WHO CAN HELP ME END THIS!!!!?

Honestly the worst service I have seen ever, Im following up since 3 months to close my account but every time they come with new agent new story and restart from scratch.
Im really disappointed

I would like to write something about your relationship officer Arnel Reyes Penergo, as he assisted me on my credit card and i needed it quite urgently, he assisted me with such professionalism and amiability. He made the process very smooth and pleasant, and supported me with every step. I can't thank him enough for his devotion to meeting my requirement on time. He is an asset to your team! I thought this would be a great way to show my gratitude to Arnel. Thank you!

Just after a month of opening an account with them,I kept receiving some document has to be updated to avoid restrictions on my account but nobody knows what that missing document is. Turns out the firld agent who visited me for the account opening didn't upload some document so both the branch and the customer support say that only the agent knows what document that is. The agent says he doesn't know what's the issue is. My money is stuck and cheque has bounced adding up a lot of fines and hassle for me visiting the branch multiple times only to get no answer. They don't read their mails. Funny how you can't use your own money when you trust a bank.

A very bad customer service and experience. Not recommended at all.

Any company that needs even a basic level of agility should stay well away from this bank.
I opened this account fully disclosing that I am based abroad. A simple issue with a phone number arose, and honestly, I’m glad it did, because it exposed how dysfunctional this bank is before I actually needed to move money or run real operations through it.
After multiple email exchanges that were mostly confused and contradictory, I was told I had to visit a branch in person just to change the account phone number. For a so-called modern business bank, that alone is astonishing.
At the branch, I was seen by a representative who stamped the same form four times. I then waited another 30 minutes to see the branch manager, who also stamped the same form four times. I was assured that within a few days everything would be updated and I could properly access my account.
There was no communication at all. When I followed up, more confusion followed. Apparently, the phone number had been changed, but “digital services” require a completely separate form, which also must be stamped in the branch, by a relationship manager. One problem: no relationship manager has ever been assigned to my account.
I genuinely do not understand how this bank operates in the 21st century. The processes are completely archaic, and the customer service is worse. Emails are clearly not read properly, concerns are ignored, and there is no real attempt to understand or solve the problem. It feels entirely procedural, with no ownership or accountability.
The final irony was when I instructed them to close the account and they responded by asking me to complete yet another form.
At that point, all you can really do is laugh.
This bank is a complete waste of time. For any business that values efficiency, clarity, or modern banking standards, this is absolutely not the place to be.

the worst bank at all they stole too much money from me even I told them I'm going to complain to the Central Bank they didn't care

Horrible customer service i keep requesting and sending all required forms to change my account status from resident to non resident one month i am following up and the person called Ranjitha Rajiv keeps sending me same email over and over again rather than really being helpful. Worst customer service

I called Emirates NBD to inquire about a car loan. I previously took a car loan for five years, which I fully settled in four years with no issues. When I applied for a second car loan, despite earning AED 18,000 per month, I was informed that I was not eligible.

While I understand that banks have their own eligibility criteria, the way the call was handled was unprofessional. The representative ended the call without proper explanation or courtesy.

For comparison, another bank has approved a home loan of AED 600,000 for me and communicated very professionally. Due to repeated inconvenience and poor customer service, I am now seriously considering changing my bank. Emirates NBD should improve staff training in customer service and communication.

If you ever take a credit card in this bank , make sure - you will never finish it unless you die or permanently leave the country. Because they will make a reason to make outstanding balance for you and if the reasons finish - it will be a system error. I finish my settlement with them long back but yet they are asking me to pay ALMOST SAME AMOUNT I paid during all year… and they deal with 3rd party which are barely existing to reach them out. Even in my debit card they make minus even I don’t use it. Be careful. The solution of this problem might be via sandak but I’m not sure

Worst service ever