Take control of all your banking needs

businessONLINE is Emirates NBD Bank's powerful user-friendly online banking service that helps Corporate & Institutional Banking and Business Banking clients to execute complex banking transactions from their desktop. This platform offers for additional features to cater to your business needs.

Key Features:

• Single window view of all Emirates NBD Bank accounts, mapped to a single User ID. This includes Payments, Account Services, loans, deposits and linked accounts.
• Customizable Dashboard with enriched information reporting and self-service MIS reports.
• Own Account Transfer and Third Party Transfer etc.
• Bulk payments, Utility Bill payments.
• Cheque Book Requests.

Key Benefits:

• Real-time access to all your account information.
• Customisation and Security - You can pre-set the information access, multi-level approval process and transaction authority for various employees, for complete security.
• MIS Integration - You can download your account statement in different formats, including MS Excel or Text file or PDF.
• Audit Trails (View Transaction History and Workflow Details). You can track all transactions by date/ Product Type/ Beneficiary Account etc. to monitor any misuse of access.

businessONLINE uses the highest level of security features available at present. All communication between your browser and businessONLINE are fully encrypted using a 256-bit SSL encrypted secure connection and is authenticated with Emirates NBD Bank's world class Global Trust Infrastructure that meets the global standards.

Simply obtain the businessONLINE application forms from your Relationship Manager, nearest Business Banking Centre or Branch and provided the requested information.

No, all you need is an Internet connection and a compatible browser installed at your computer.

If you are a migrated user you can use your existing smartBUSINESS 2.0 password. In case the password is expired, then you will be prompted to change the password.

Yes, you can use your existing Hard Token post migration to the new channel.

You can view Account Balances, view and download Account Statement, Initiate transactions, and view Transaction history, and much more.

Yes, you can access businessONLINE via your mobile device. The businessONLINE app is available for download from the AppStore and Google Play Store, for free. Just open AppStore or Play Store and search for "businessONLINE – Take Control", you will see the app with Emirates NBD Bank logo.

In case you have forgotten your password, there is a very simple process to create a new password for yourself. On the login page, click on the 'forgot password'. All you need to do is enter your Subscriber ID, User ID and Generate OTP. This is done to validate your details. After this you can create a new password.

OTP, a unique six-digit numeric code sent to your mobile number registered with Emirates NBD Bank, it is introduced as an additional security feature by Emirates NBD Bank to protect your account from online fraud. It's a security system that protects you whenever a change in your login and transaction pattern is observed by alerting you through OTP and authenticating your transactions.

The OTP will be sent to you for all funds transfers, bill payment, password reset and payee addition. OTP is confidential and should not be shared with anyone, even if the person claims to be an Emirates NBD Bank's official. Please ensure that your mobile number is accurately updated with us to be able to transact online.

User ID is an alphanumeric field with minimum 3 characters and Maximum 32 characters is accepted, entered by the corporate themselves at the time of requesting for businessONLINE. The same is known to the user / corporate only.

No, you will not be able to change your User ID, however, you may request for the existing User ID to be deleted and can request for a new User ID to be created (as required).

businessONLINE is very straight forward and is user-friendly. If you require further assistance, our specialist will guide and assist you to the system. Moreover, we also have a dedicated client service team who is ready to assist on your inquiries. You may reach our client services team for assistance.

For Business Banking Clients
Tel: +966 11418 5933
Email: businessONLINEBBKSA@EmiratesNBD.com

For Corporate and Institutional Banking Clients
Tel: +966 11282 5546
Email: businessonlineCBKSA@EmiratesNBD.com

Timings: 09:00 AM to 05:00 PM (KSA time) - Sunday to Thursday.

With businessONLINE, you have access to your account information 24 hours a day, 7 days week.

Upon creation of profile an email notification will be sent to the contact person of the company.

Anyone who has banking relationship with Emirates NBD Bank and having current account with us can use businessONLINE.

• Please don't use obvious passwords which are easy for people to guess (like name of spouse, date of birth, alpha or number in sequence etc.).
• Please don't disclose your password to anyone, including staff of Emirates NBD Bank.
• Please change your password at regular intervals (at least once a month), more so if you have accessed Business Online from a shared PC or a cyber-café.

We request you to call us at our Client Service and check if your registered mobile number is correct. If the registered mobile number is incorrect, please visit your nearest Emirates NBD Bank Branch and submit the businessONLINE user maintenance form.

You should enter the latest OTP received on your mobile number.

Yes, you will have 24/7 access to your Banking transaction and will be capable of downloading your Bank statement as per your selected period (Up to 180 days).

If you have subscribed for a businessONLINE package which permits Local and International transfers, you will be able to make payments to other banks.

No. OTP is a dynamic password and is valid for the current event only.

No, businessONLINE provides you with the flexibility to access your online profile at anytime from anywhere around the world. All you would need is your login credentials, a Token device (hard token if any) and access to the internet.

You will not be able to access businessONLINE without an OTP.

You have only one password for businessONLINE i.e. Login password. The login password, as the name suggests is required to login to your businessONLINE profile.

Please contact your System Administrator. In case of any difficulties, please reach out to your Relationship Manager or Client Service team.

No, it's not mandatory to have multiple users. If only one user should be allowed to login businessONLINE then there will be no workflow rule set up and that user can independently access the accounts and make transactions and place service rest on his own without any approval.

Yes, there is an expiry period of login password as per bank's policy (i.e. 90 Days). However, transaction password is OTP or Token.

Please fill up the businessONLINE set-up and application form and select ENQ (Enquiry only) menu profile for the user.

You can access your Current Account, Deposit Account, Loan Account and Credit Card from the Online Banking Service. Our Online Banking Product is intended to give you as much access, security and versatility as possible.

You can download the transaction history in PDF, Excel and Comma Separate Values (CSV).

This user would be able to view the account balance & download the account statement for which the corporate has given him access to (and not necessarily all the accounts).

There is no such upper limit. It entirely depends on client's requirement.

User should check for invalid login credentials - if the user's password is incorrect or account is locked.

For incorrect password, please input the correct login password. If you are unable to remember the same, please reset your password. On the login page, there is a link for forgot password. You need to click on that page and create a new password. All you need to do is enter your Subscriber ID, User ID and Generate OTP. This is done to validate your details. After this you can create a new password.

You may reach our client services team for assistance.

For Business Banking Clients
Tel: +966 11418 5933
Email: businessONLINEBBKSA@EmiratesNBD.com

For Corporate and Institutional Banking Clients
Tel: +966 11282 5546
Email: businessonlineCBKSA@EmiratesNBD.com

Timings: 09:00 AM to 05:00 PM (KSA time) - Sunday to Thursday.

There is no separate cost for Soft Token.

Yes, you can have OTP and Soft Token as authentication type.

Yes, you may schedule future Value Dated transaction.

No, you cannot send query to Client Service via businessONLINE.

Yes, you can send a recall or amendment request via businessONLINE for Foreign Currency Transfer.

Administration module is not available on Mobile application.

businessONLINE supports few delimiters like comma and pipe.

businessONLINE supports Excel, CSV (Comma Separated Values), Txt file with delimited (comma, pipe).

There is no provision for a user to verify the charges set-up in their subscription. However, users can verify the charges on their account post executing the transaction.

A user can cancel the transaction from his / her queue if the user has the access to it and the transaction follows the workflow matrix as updated in channel. A user can view the transactions as the transaction inquiries under "Payment Type" field as "Cancel Transaction"

The transaction status is updated on the channel. The status of the processed transaction will be "Processed by Bank". Also, the same can be checked in your account statement.

The statements are available for 7 years.

businessONLINE will have transactional data for a year.

User can register a beneficiary from Initiate option as "Add Beneficiary" and can also register multiple beneficiary through "Beneficiary Upload" option.

You can provide date range in the range of 180 days.

• You need to navigate on the relevant product for transaction processing through file upload.
• Select the relevant template name from drop down and click on "Template Details".
• You will get all the relevant details (i.e. Field Name, Data Type, Field length, Required, Sequence, description etc.). You can download the template and fill the requisite details as mentioned in template.

User will get the notification upon rejection of transaction by subsequent approver.

File encryption is at subscription level. User can download the file conversion tool to encrypt the file and upload the encrypted file. For more information, please refer to the online help available in businessONLINE.

You can download and view SWIFT copy for outward remittances only. SWIFT copy for the inward remittances is not available as of now. It will be made available in our next release.

Please contact our client service team who will guide you with changing the required limits.

For Business Banking Clients
Tel: +966 11418 5933
Email: businessONLINEBBKSA@EmiratesNBD.com

For Corporate and Institutional Banking Clients
Tel: +966 11282 5546
Email: businessonlineCBKSA@EmiratesNBD.com

Timings: 09:00 AM to 05:00 PM (KSA time) - Sunday to Thursday.

No, multi-login is not possible for a user.

Yes, transactions which are not approved within 30 days from the date of initiation, will get rejected.

By default, there are no limits setup. However, if required, businessONLINE provides you with the flexibility to place three types of limits -

• User level limits for Maker Authorizers – Place a transaction limit for Users who have "Maker and Authorizer" access.
• Workflow limits – Setup limits as per your company's payment mandate.
• Daily transaction limit – Place a limit for the maximum payment value which can be released by your company online, per-day.

The default daily transaction limit is AED 999,999,999,999.00. However, you can request the bank to change the pre-set daily limits.

The session time out period is 10 minutes.

You can view various transaction status in businessONLINE. Few of the status are as follows:-

1.Pending Verification

2.Pending Accept

3.Ready for Authorization

4.Ready to Release

5.Sent to Bank

6.Processed by Bank

• Once the transaction is authorized by all the authoriser(s) as per the defined matrix (without Release Function).
• Post transaction is authorized by all the authoriser(s) as per the defined matrix and then releaser will release the payment (with releaser function).

You can check the status of the transactions under Payments -> Transaction Summary tab.

Authorizer need to go to "Payments" tab and click on Pending Activities.

Account holders with joint or conditional operation rights may not have access to some features. In case you require any further clarification please contact your Relationship Manager.

Yes, you will be able to login to channel.

Yes, you will get a notification for a transaction to be authorized or released.

Yes, you will be able to receive SMS OPT in your international number. Please note there could be a delay in delivery with a few operators in receiving the SMS OTP.

The user will be prompted once the token has expired.