Setting up a direct debit for finances from other banks

Setting up a direct debit for finances from other banks

Borrowed from another bank? Here’s how to set up a direct debit to pay off the finance

Borrowed from another bank? Here’s how to set up a direct debit to pay off the finance

UAE Direct Debit System

If you have borrowed from another bank or financial institution in the UAE, you need to set up a UAE Direct Debit to pay off the finance.

The UAE Direct Debit System (UAEDDS) provides a secure platform for customers to set up automatic payments towards their liabilities in their own bank or to any other bank, financial institution, or service provider.

Setting up a UAE Direct Debit

You must contact the lending bank to submit a request for direct debit from your Emirates Islamic Current or Savings Account. Your lender will then contact with us, and we will notify you before we set up the direct debit.

To check the status of your direct debit request, you will need to contact the lender directly.

UAE Direct Debit Options

Fixed payment

If you need to pay your installment monthly, you can select a fixed amount to be debited from your Emirates Islamic Account for the period of your choice.

Variable amount

When you set up a direct debit, you can specify the minimum and maximum amount. You can also choose between FIXED and VARIABLE. Please note that if you choose a variable amount and do not agree on a cap with your creditor in the direct debit, the creditor will have the absolute right to select the amount deducted from your account and the paying bank will not be liable to you or the creditor for any dispute between you over the variable amount, unless the cap has been breached.

Cancellation of a Direct Debit

You will need to submit a written request to the lending bank to cancel your direct debit. The cancellation may take up to 5 working days.

Set up a Direct Debit for a Utility Bill or Emirates Islamic Finance

You can also set up a direct debit to pay your Emirates Islamic finance installments, Emirates Islamic Credit Card bills or your utility bills. To set up a direct debit, you need to sign a Direct Debit Mandate form, by visiting your respective paying bank branch.

Money will then be automatically debited from your bank account by the company you are paying according to your instructions.


The details of your direct debit will not be shared with any third party without the written consent of the Central Bank of the UAE.

Lenders and banks only have access to the details you provide in the direct debit authority form for the specific direct debit you request to set up.

No, all payments can only be done using direct debit. Institutions that lend should not accept post-dated cheques. If any institution demands that you pay using a PDC, then you should immediately report the institution to the Central Bank of the UAE via any of the channels below:

  • Contact the UAE Central Bank and file a complaint at ae
  • Write to the UAE Consumer Protection Authority at
  • Call the Consumer Protection Department at 800 CBUAE (22823)