Experiencing financial difficulties?

We understand that financial circumstances can change. If you're experiencing difficulties with your Credit Card, Personal Finance, Auto Finance, or Home Finance repayments, we're here to help. Our team will work with you to understand your situation and explore suitable solutions tailored to your needs.

Our aim is to provide practical repayment options that help you manage your obligations and bring your account back on track.

Depending on your circumstances, you may be eligible for one of the following solutions:

Easy Payment Plan (Credit Cards): Convert your outstanding card balance into fixed monthly instalments at a reduced profit rate and close the card.
Balance Conversion: Convert your outstanding card balance into instalments at a reduced profit rate while keeping the card active.
Settlement Plan: Achieve account closure through a negotiated settlement of the outstanding balance.
Payment Deferment (Finance Products): Defer an upcoming finance instalment to provide temporary payment relief during periods of financial difficulty.
Finance Restructuring: Revise your finance repayment terms to create a more manageable and sustainable payment plan.

Missed or delayed payments may result in additional charges, increased outstanding balances, and a negative impact on your credit history with Al Etihad Credit Bureau. Contacting us early can help you explore suitable solutions and avoid further financial difficulties.

Disclaimer: Emirates Islamic is obligated to report all credit facilities to Al Etihad Credit Bureau (AECB). The availability of the solutions listed above will depend on your individual circumstances, eligibility, and the specific criteria applicable to each solution

How you can reach us

Please reach out to our dedicated Financial Remediation team through the below mentioned channels to discuss any issues pertaining to your finance facilities and receive financial counseling for better management of your repayments.

Phone Banking	Email	Visit Us
Contact one of our service representatives by calling +971600542520. We’re available from 8:00 AM to 4:00 PM, Monday to Friday.	Write to us at Financial.Remediation-helpdesk@emiratesislamic.ae. We'll get in touch within 2 working days.	You may visit our Financial Remediation – Customer Service Center in Dubai. Remember to bring your Emirates ID or passport for identification. Meydan Building P – Level 1, Nad Al Shiba 1, Dubai Timings: 8:00 AM – 3:45 PM (Monday to Saturday) On Friday, we are closed from 12.00 PM to 2.00 PM for prayer break.

Debt Counselling Team
Facing Financial Challenges? Facing Financial Challenges? Let our Debt Counsellors help you planning your finances. Your path to financial clarity begins with a conversation. At Emirates Islamic, we believe that true financial recovery starts with understanding. Our Debt Counsellors are here to guide you—not just to manage your obligations, but to help you build the financial skills and knowledge needed for long-term stability. Through our Remedial Solutions – Debt Counselling Service, we offer: One-on-one financial literacy sessions tailored to your personal situation Help in understanding your income, expenses, and repayment options Guidance to design realistic and achievable payment plans Support to improve your credit standing over time Our mission is to empower you with the confidence to take control of your finances and move forward. Connect with a Debt Counsellor today: debtcounselling@emiratesislamic.ae Want to take control of your finances? Click here to explore financial literacy resources and empower yourself with knowledge.

Debt Counselling Team

Facing Financial Challenges? Facing Financial Challenges? Let our Debt Counsellors help you planning your finances. Your path to financial clarity begins with a conversation.

At Emirates Islamic, we believe that true financial recovery starts with understanding.

Our Debt Counsellors are here to guide you—not just to manage your obligations, but to help you build the financial skills and knowledge needed for long-term stability.

Through our Remedial Solutions – Debt Counselling Service, we offer:

One-on-one financial literacy sessions tailored to your personal situation
Help in understanding your income, expenses, and repayment options
Guidance to design realistic and achievable payment plans
Support to improve your credit standing over time

Our mission is to empower you with the confidence to take control of your finances and move forward.

Connect with a Debt Counsellor today: debtcounselling@emiratesislamic.ae

Want to take control of your finances? Click here to explore financial literacy resources and empower yourself with knowledge.

List of Financing Solution Service Channel Partners

Emirates Islamic empowers outsourced vendors for carrying out collection activities on its behalf. The vendors are authorised to engage with the delinquent customers for collection of the pending dues which the Customers upon reaching a Settlement on their liability/ties should deposit the agreed settlement amount as per the Settlement Letter furnished by the Bank.

Click here to know more about the partners.

To view our fees and charges, please click here.

Digital Collect – What's good to know?

Digital Collect is a convenient online self-service portal that gives you access to available options to manage your outstanding balance and select an available solution for your credit facility.

Depending on your account and the solutions available to you, Digital Collect may allow you to:

Pay Later – Submit a preferred future payment date and payment amount.

Pay Now – Make an immediate payment towards your credit facility.

Settlement Offer – Select an available settlement offer to help manage your outstanding balance.

Balance Conversion – Where eligible, convert your Credit Card outstanding balance into monthly instalments.

Leave a Message – Send a message or enquiry to the Financial Remediation team.

Upload Documents – Submit supporting documents directly through the portal.

Pay Later allows you to submit a preferred future payment date and specify the amount you intend to pay. This option may be available where a future payment arrangement is permitted for your account. Please follow the instructions displayed in Digital Collect to complete your request.

Pay Now allows you to make an immediate payment towards your credit facility using the payment methods available through the portal.

Available payment options:

AANI Payments: No service fee.
ENBDPay: UAE local debit cards and International debit cards
ENBDPay fees: Any applicable ENBDPay fees will be displayed in the portal before you complete your payment.

You can register for AANI through your UAE bank's mobile banking application:

Log in to your UAE bank's mobile application
Go to Profile Settings, Payments, or the relevant AANI section.
Select Enroll for AANI.
Link your preferred bank account.
Confirm your registration using the OTP sent to you.

You may also download the standalone AANI app and link your bank account using your registered mobile number.

A Settlement Offer allows you to select an available offer to repay or settle your outstanding balance, subject to the terms and conditions displayed in Digital Collect. Please review the offer details carefully before confirming your selection.

Balance Conversion allows eligible Credit Card customers to convert their outstanding balance into an available monthly instalment repayment option. Eligibility, repayment terms, instalment amounts and available options will be displayed in Digital Collect.

Important Note: The options displayed in Digital Collect are based on your account and eligibility at the time you access the portal. Availability of an option does not guarantee approval or acceptance until you have completed the required steps and received confirmation where applicable.

Experiencing financial difficulties?

How you can reach us

List of Financing Solution Service Channel Partners

Digital Collect – What's good to know?

What is Pay Later?

What is Pay Now?

How to register to AANI

What is Settlement Offer?

What is Balance Conversion?

Will all options be available to me?

Can I send a message through Digital Collect?

Can I upload supporting documents?

What happens after I select an option?

What if I cannot find the option I need?

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