SMS Banking

We know that the pace of life is quick and keeping track of your banking requirements can be tough. Our on-the-go customers can take advantage of our SMS Banking facility which enables them to get instant updates on their accounts via SMS alerts. If you are an existing Online Banking customer, you can subscribe, modify or cancel SMS banking services by clicking on the "SMS Banking" option.

The bank offers two distinct types of SMS banking services as below


Pre-defined alerts received on your mobile regarding your transactions



Type of Transaction Message Format
ATM POS Transaction : When funds are debited from your account upon any Point of Sale transaction. AED 1,800.00 has been deducted from your account as POS transaction. Visit www.emiratesislamic.ae
ATM Transaction : Customers will be able to receive a short message when funds are transferred or utility payments transactions are made through any ATM - Automated Teller Machine. AED 1,700.00 has been withdrawn from your account as ATM transaction. The available balance of your account is AED 5,000.00
Available Balance: You will get a message on your mobile phone regarding the available balance of your account at a frequency and time specified by you. The frequencies for available balance are: Monthly, Fortnightly, Weekly and Daily AED 1,000.00 is the Available Balance for your account 0022-123456-001 today... Visit www.emiratesislamic.ae
Online Banking Transactions: When funds are transferred from your account or when funds are credited to your account or utility payments transactions are performed through BankNet, the bank will send you a message for such a transaction. AED 1,500.00 has been deducted from your account 0015-123456-001 through BankNet... Visit www.emiratesislamic.ae
Cheque Returns: Cheques issued by you are returned unpaid - this function will provide you with a SMS message if for any reason the cheque issued by you is returned unpaid.

Cheques deposited by you are returned unpaid - this function will enable you to receive SMS messages on your mobile phone if any cheque deposited by you in your account is returned unpaid.
***CHEQUE RETURNED*** Your cheque number 987654 with amount AED 1,000.00 has been returned unpaid. Please contact your branch.

***CHEQUE RETURNED*** A cheque deposited in your account 0015-123456-001 of AED 1,000.00 has been returned unpaid. Please contact your branch.
Phone Banking Transaction: You will be able to receive a message when funds are transferred or utility payments transactions are made through IVR. AED 1,400.00 has been paid from your account 0015-123456-001 as IVR transaction... Visit www.emiratesislamic.ae
Salary Credit: For those who want to know when the salary has been posted to your account, this function is the right tool. The bank will send you a message on your mobile phone as soon as your transaction is posted to your account. Good News. Your Salary has been deposited today. The Available Balance of your account 0015-123456-001 is AED 1,000.00... Visit www.emiratesislamic.ae
Standing Order: Customer will receive a short message when their standing order instructions have been executed/ processed. Your STANDING ORDER Instruction has been executed today... Visit www.emiratesislamic.ae
Telegraphic Transfer: To keep a track of your telegraphic transfers, you can apply for this function. No need to call and inquire from the bank. We will send you the message as and when we post the amount into your account. USD 1,500.00 has been received as TELEGRAPHIC TRANSFER. The available balance of your account 0015-123456-001... Visit www.emiratesislamic.ae
Managers Cheque: This function will enable you to receive SMS messages on your mobile phone when you request for an issuance of Managers Cheque. AED 1,000.00 has been deducted from your account 0015-123456-001 for issuance of Managers Cheque ... visit www.emiratesislamic.ae
Call Centre Transactions: This function will enable you to receive SMS messages on your mobile phone when you make transactions through call centre AED 1,000.00 has been deducted from your account 0015-123456-001 as payment to ETISALAT through the Call Centre ... visit www.emiratesislamic.ae
Card Payments: This function will enable you to receive SMS messages on your mobile phone when you make Card payments. AED 1,000.00 has been deducted from your account 0015-123456-001 as payment to your Card ... visit www.emiratesislamic.ae
CDM Deposit: This function will enable you to receive SMS messages on your mobile phone when you deposit cash through a cash deposit machine AED 1,000.00 has been deposited to your account 0015-123456-001 through the deposit machine ... visit www.emiratesislamic.ae
ATM Cash Deposit: This function will enable you to receive SMS messages on your mobile phone when you deposit cash through ATM. AED 1,000.00 has been deposited to your account 0015-123456-001 through the ATM ... visit www.emiratesislamic.ae
Cheque Deposit: This function will enable you to receive SMS messages on your mobile phone when you deposit your cheque for clearing AED 1,000.00 has been deposited to your account 0015-123456-001 subject to being cleared through cheque 987654... visit www.emiratesislamic.ae
Credit / Charge Card Cash Withdrawal: This function will enable you to receive SMS messages on your mobile phone when you make cash withdrawal transactions from ATM (Automated Teller Machines) as cash advance. AED 1,000.00 has been debited from your Credit/Charge Card for cash advance at IMB BRANCH ATM 1, DUBAI. Thank You
Credit / Charge Card Utility Bill Payment: This function will enable you to receive SMS messages on your mobile phone when you do any Utility Bill Payment (Etisalat, Dewa). AED 200.00 has been debited from your Credit/Charge Card for Utility Bill Payment. Thank You
Credit / Charge Card POS Transactions: This function will let you to receive SMS messages on your mobile when you make POS (Point of Sale) transactions. AED 200.00 has been debited from your Credit/Charge Card at EMV TEST POS TERMINAL, DUBAI. Thank You
Cheque Debit: This function will provide you with a SMS message if the cheque is paid and the amount is debited from your account. AED-2,725.00 has been deducted from your account XX14-2XXXX0-X01 as payment to your Cheque 12345 ... visit www.emiratesislamic.ae
Term Deal Maturity: This function will provide you with a SMS message when you term deal deposit has matured. Your term deposit account XX14-2XXXX0-X01 has been matured and processed as per your given instructions. visit www.emiratesislamic.ae
Instalments: This functions enables you to receive SMS for:
Murabaha Payments AED 2,300.00 has been deducted from your account XX14-2XXXX0-X01 as payment to your Murabaha Payment ... visit www.emiratesislamic.ae
Ijarah Payments AED 3,300.00 has been deducted from your account XX14-2XXXX0-X01 as payment to your Ijarah Payment ... visit www.emiratesislamic.ae
Home Finance Payments AED 5,000.00 has been deducted from your account XX14-2XXXX0-X01 as payment to your Home Finance Payment ... visit www.emiratesislamic.ae

If you are an existing Online Banking customer, you can subscribe, modify or cancel SMS banking services by clicking on the "SMS Banking" option. If you are not an existing Online Banking customer, please register for online banking.

This is a self-service function that enables you (the account holder) to request information about your card or account using specific codes. Once you send the message in the required format to 4450, you will receive an SMS response providing you with the response to your query. Just follow 3 easy steps:


  • Step 1: Key relevant SMS command into your mobile e.g. ASXXXXXXXXXX (The XXXXXXXXXX stands for the 10 or 13 digit account number)
  • Step 2: Send to 4450
  • Step 3: View your information on the screen


Type of Transaction Message Format
Account Summary : This function will enable you to view all the suffixes available to your basic account together with the currency and account description of each suffix. Simply key in: ASXXXXXXXXXX (The XXXXXXXXXX stands for the 10 digits of your account number) e.g. if your account number is 0015-123456 and you want to receive the account summary, the message format will be: AS0015123456. Your response will be:

The Summary of A/c 0015123456 001, Current A/C AED 8002.1403 Murabaha A/C AED 49904
Available Balance : This function will enable you to view the present available balance of any available account type (CA, SB, TID, Murabaha) with the Currency and the debit/ credit status. Simply key in: ABXXXXXXXXXXXXX e.g. the message format will be: AS0015123456. Your response will be:

As per your request, AED 1,000.00 is Available Balance for your account 0015-123456-001 today
Card Details : This function will enable you to view details of the your Card. These details include total credit limit, available credit, and present balance. Simply key in: CDXXXXX (The XXXXX stands for the last 5 digits of the Card number). The message format will be: CD49876

For the card number you have specified Cr limit is AED 10,000.00 Avail Cr is AED 9,998.50 Present Bal is AED 1.50
Card Payment Details : This function will enable you to view payment details of your Card. The details include total payment due, and payment due date. Simply key in: PDXXXXX (The XXXXX stands for the last 5 digits of the Card number) e.g. if your Card Number is 1234-5678-1234-9876 the message format will be: PD49876

For the card number you have specified Total payment due is AED 0.00 Payment due date is 22Jan03
Exchange rates : This function will enable the user to view and of the 21 foreign currency rates. It will display the buy and the sell rate against AED. Simply key in: FXzzz (The zzz stands for the currency code required). Available Currencies: (AUD, BHD, BDT, CAD, LKR, INR, JPY, JOD, KWD, OMR, NOK, PKR, QAR, SAR, SGD, SEK, SCHF, GBP, USD, EUR, NZD, BKK, HKD) e.g. if you want to find out the US Dollar rate against AED rate simply key in FXUSD

As per your request, the USD rate against AED is: Buy rate 3.653000 Sell rate 3.68500
Mini Account Statement : This function will enable you to view the last 4 transactions of your account, displaying the date, description, amount and dr/cr status of each transaction. Simply Key In: MASXXXXXXXXXXXXX (The XXXXXXXXXXXXX stands for the 13 digits of your account number) e.g. if your account number is 0015-123456-001 and you want to view the last 4 transactions of the account, displaying the date, description, amount and Dr/Cr status of each transaction, the message format will be: MAS0015123456001

As per your request, the last 4 tranx of A/c 0015-123456-100 are 05 Jan SALARY 3,700.00+ 28 Dec DR ATM TRANS 100.00- 24 DEC DR ATM TRANS 100.00- 23 DEC DR ATM TRANS 300.00
Mini Card Statement : This function will enable you to view the last 4 Card transactions displaying the date, description, amount and dr/cr status of each transaction. Simply Key In: MCSyyyyy (The yyyyy stands for the last 5 digits of the Card number parameter required) e.g. if your Card Number is 1234-5678-1234-9876 and you want to receive the last 4 Card transactions displaying the date, description, amount and Dr/Cr status of each transaction. Payment Details, the message format will be: MCS49876

For the card number you have specified last 4 tranx of 12345 2 Jan CARD 54.94 Cr 1Jan ADVANCES.COM 45.44 DR 1Jan 01/01/03 0.00 Dr 10Dec CARD 21.70 Cr
Etisalat Balance Inquiry : The function will enable you to inquire your Etisalat's bills. Simply key in: ETIBAL e.g. For Balance Inquiry: ETIBALxxxxxxx (The xxxxxxx is your consumer number)

The last billed outstanding amount for your ETISALAT consumer number 123456789 is AED 100.
Etisalat Bill Payments : The function will enable you to pay your Etisalat Bills, such as Mobile, landline, Internet account, Al Shamil, e-vision and Wasel numbers. Simple key in: ETIPAY xxxxxxx yyy ( The xxxxxxx is your consumer number, and the yyy is the amount you will pay ).

For WASEL RENEWAL: Simple Key in: ETIPAY xxxxxxx WAS ( The xxxxxxx is your consumer number)

Payment of AED 100 will be made shortly to your consumer number 123456789 Your EIMOBILE confirmation number is 123.
RTA Salik Recharge : This function will enable you to recharge your Salik Account. Simply key in : Salik Shortname yyy ( shortname is the name you registered with EIMOBILE for Salik payments and yyy is the amount you wish to pay).

Payment will be made shortly to your Salik Account # 11111111. Your EIMOBILE confirmation # is 1111
RTA Salik - Enquiry : This function will enable you to enquire about your Salik Balance. Simply key in : Salik Shortname (shortname is the name you registered with EIMOBILE for Salik payments)

The available balance on the Salik Account # 11111111 that you have specified is AED 50

If you are an existing Online Banking customer, you can subscribe, modify or cancel SMS banking services by clicking on the "SMS Banking" option. If you are not an existing Online Banking customer, please register for online banking.

Emirates Islamic supports Mobile Number Portability (MNP) service from Du

Emirates Islamic enables customers to continue their payment and inquiries without changing or updating the already registered mobile numbers in their customer profile.

Customers who are switching to another service provider and keeping the same number will have the ease to continue using the Bill Payments, Balance Inquiry and other mobile number dependent services and facilities across all Emirates Islamic channels (ATM, CDM, IVR, Online Banking and Mobile Apps).

Currently MNP is available for Du mobile numbers only (Etisalat numbers switched to Du).


If you are an existing Online Banking customer, you can subscribe, modify or cancel SMS banking services by clicking on the "SMS Banking" option. If you are not an existing Online Banking customer, please register for online banking.

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