business online banking business online banking

businessONLINE, as an integrated digital platform, delivers a consistent banking experience to businesses of all scales and sizes.

Enjoy transactional efficiency with single access to multiple services, make insightful decisions with real-time dashboards and take advantage of emerging opportunities with a comprehensive view of your financial relationships.

Streamline and simplify your business accounts and activities with businessONLINE today.

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Take control of all your Company Banking Needs.

We’re transforming your banking requirements as you know it with businessONLINE by Emirates Islamic.

businessONLINE is a new, comprehensive digital cash management ecosystem that gives you the control you need across all your financial relationships, accounts, and activities– all on one user-friendly platform.

The smart way to bank.
Work smart with businessONLINE and streamline how you manage your company’s finances.

  • On-the-go mobile banking that is accessible across digital platforms
  • Detailed account & statement reporting
  • Comprehensive payments and collections suite
  • Customized dashboards to cater to different roles
  • Alerts and notifications during every stage of the onboarding process

One platform, all the benefits.

Comprehensive Payment processing Suite
Complete corporate payment processing suite with multiple payment processing capabilities - including international and domestic funds transfers along with corporate payroll processing.

Easy receivables Management
Introduction of a new collection product suite including virtual accounts.

Notifications and alerts
Real-time notification and alerts through multiple channels.

Detailed Account and statement reporting
Complete view of reports and dashboards with analytical capabilities.

Administration capability
Completely re-designed administration with wizard-based navigation, quick onboarding, and detailed user profiling.

Complete visibility
Multi-bank reporting with visible counter-party bank accounts.


Purposely designed features.

Simplify day-to-day tasks on a user-friendly platform that gives you complete visibility of your finances, all in one place.

Payments Receivables Account information and reporting Service requests
  • VAT / Excise (G-IBAN)
  • Internal Transfers – Within Emirates Islamic and ENBD
  • Local & International Telegraphic Transfer
  • Manager’s Cheque / FCY Demand Drafts
  • SWIFT for Corporates
ICCS Collect – Remote Cheque Deposit Account & Statement Reporting (CSV,MT940) Fixed Deposit
Payroll and Pension:
  • WPS (MOL & JAFZA Free Zone )
  • Non WPS Salary
  • GPSSA pension payments
  • Abu Dhabi Pension payments
Direct Debit – UAE DDS Transaction History & MIS Balance Confirmation
Utility Payments:
  • Noqodi Topup
  • DEWA, FEWA, SEWA,ADDC, Salik, Telecom
  • Tax Payments
  • EI and Non EI Credit Card
  • Dubai Municipality and Dubai Trade Payments
Payment Gateway Services (UAEPGS) Exchange Rates Cheque book
  Cash, Cheque & Document Collection   Self Serve
  Virtual accounts    


Capable of simplifying any task.

businessONLINE has been designed to accelerate and simplify the onboarding of new corporate clients with a number of task-based capabilities.

Increasing efficiency
By simplifying the documentation process, we’re reducing the use of paper in favor of digital copies– increasing the overall efficiency of the system and reducing manual errors.

A virtual bank branch
With self-onboarding, you can subscribe to businessONLINE from the comfort of your office or home by initiating the onboarding process at the click of a button.

Better control and oversight
Smart Forms is an online PDF form with easy navigation and clear user groups. Administrative users can use it to place specific requests such as entitlement and maintenance.

Complete transparency
A mailbox on the platform provides notifications during every step of profile creation, providing complete visibility into the entire onboarding process.

Administration and Entitlements

Because you’re entitled to convenience.

businessONLINE provides highly intuitive navigation aimed at simplifying user entitlements that traditionally get complex when setting up various users by placing no restriction on the number of admins, eliminating the need to maintain multiple account IDs to work with different transactions.

Greater productivity
Wizard-based navigation allows administrators to conduct entitlement maintenance and administration processes easily. It provides clear symbols on pre-defined user groups and pre-defined templates for products and services KYC documents can also be uploaded and updated in a few clicks.

More flexibility
The platform holds multiple admins with interchangeable roles, allowing continuous access without the need to sign in with a new ID every time.

More power
A single login credential is required for every user which means you can manage multiple roles such as authorizer as well as an administrator while using a single credential.

Account Management and Reporting

A financial powerhouse at your fingertips.

businessONLINE provides single access to all banking accounts along with external account reporting and a consolidated 360-degree view of cash positions across entities.

Real-time information
Have access to real-time aggregated cash positions across the bank and entities. Plus, get updates on your account status as well as account balances.

Higher customization
Download customized reports for reconciliation, planning, or forecasting online. Account statements can be downloaded in any format including MT940, CSV, PDF and Excel in a given date range along with the bank logo, allowing you to choose the format that best suits your requirements.

Time-saving features
Download multi-account statements in a single click or download VAT statements online and update your trade license through the portal, reducing the time needed in doing these physically at bank branches or downloading multiple statements.

Remote services
Effortlessly provide instructions to the bank from the comfort of your office premise to manage task-based requests to monitor requests online and enjoy faster turnaround time, complete transaction visibility, and reporting capabilities through two methods:

  • Online Drop Box – Upload signed instructions or forms for the bank to process
  • Online Form* - Enter the details online for transactions already initiated from businessONLINE. (*applicable for online TT amendment, TT Recall, Token Request)

Self-service portals
A new range of self-service requests are available including cheque book request, report lost or stolen card, stop cheque request, deposit request, fixed/Wakala, General SR. Entitlement Change, and General SR.

CXO Dashboard
The CXO Dashboard is an executive dashboard for the CEOs, CFOs and Corporate Treasurers of our corporate clients to provide a consolidated view of your financial position with the bank including assets and liabilities, accounts summary, FX positions, facility utilization, and both market-data exchange rates and benchmark interest rates.

Virtual Accounts
These are ledge records that look, feel, and operate like a normal bank account– allowing you to segregate daily transactional activities and support intercompany balance and virtual liquidity management. Virtual accounts provide opportunity for bank account consolidation, improved cash visibility, and enhanced operational efficiency in multi-entity, multi-currency, and multi-country structures for natural cash concentration and optimizing working capital.

Comprehensive Payments Suite

Payment suites that meet your needs.

Our payment services let you conveniently check the status of all your payments and transactions on a single screen. The platform supports multiple payment modes including single, bulk, and basket payments, allowing you to utilize auto and manual batching of transactions for approvals and either group multiple transactions manually or allow the system to auto group them. Plus, the system allows the processing of all regulatory payments online such as VAT and GPSSA.

Salary and pension payments
Upload payment instructions for employees wherever they are.

Domestic and Foreign Currency Transfers
Make the most of your competitive rates with quick and convenient international or domestic money transfers at any time.

VAT and Excise payments
Cut down on your paperwork and simplify the process by making VAT payments through the G IBAN number in addition to the e-Dirham and credit card payment option.

Utility and Noqodi payments
Make payments towards utilities such as Etisalat, DEWA, ADDC, Du, Salik and Dubai Municipality. You can also use your noqodi e-wallet to pay for 40+ governmental and semi-governmental entities.

SWIFT for Corporates
We have partnered with SWIFT to increase the speed, transparency, and traceability of your cross-border payments, allowing you to credit payments to end beneficiaries within minutes. An innovative tracker ensures both counterparties receive confirmation in real-time when the supplier or beneficiary is credited.

Remote cheque printing
With Emirates Islamic Corporate Cheque Printing, all cheque stationery with pre-printed MICR is provided, allowing you to request and print the cheque using a regular printer from the comfort of your business premise.

Online request for Manager’s Cheque /DD
Request for Demand Draft and Manager's Cheque online by simply uploading the required documents and selecting the account, beneficiary name, amount, print date, pick up branch, and collector’s details.

Multi-currency capabilities
Pay a beneficiary in the currency of your choice by specifying payment currency in their account, allowing for cross currency payments.

Payment reminders
With online standing instruction set up for recurring payments, you don’t have to worry about missing any payments.

One-click quick pay
Refer to a dropdown of your last 10 payments and quickly initiate payments for the same beneficiary while avoiding the hassle of going through the entire process again.

Receivables Management

Maximize business opportunities.

Enhance visibility of your receivables and improve your working capital with a comprehensive range of global receivables solutions to efficiently manage your entire collection cycle.

ICCS Collect Remote Cheque Deposit
With businessONLINE ICCS Collect, you can deposit, submit, and view cheques from your business premise by digitally scanning and clearing cheques using special scanners. It also gives you the flexibility of extended cut-off times, allowing for faster access to funds.

Direct Debit- UAE DDS
Ideally suited for regular automated payments of fixed or variable amounts, the regulated service eliminates the need for tracking recurring collections and paper-based payment instructions.

Payment Gateway Services (UAEPGS)
Eliminate dependence on cheque or cash receipts with the UAE Payment Gateway Service (UAEPGS)– a national e-commerce platform by the Central Bank of UAE which facilitates payment collection through a single integration, allowing you to accept payments from multiple banks.

Cash, cheque & document collection
Enroll for Cash in Transit services to streamline your cash cycle process with seamless transportation of daily cash and cheques.

Virtual Accounts
Segregate your day-to-day transactional activities and get support on your intercompany balance and virtual liquidity management with secure sign in. You can maintain your virtual account structures, search for transactions, assign virtual account interest rates, perform virtual payments, and generate electronic reports– providing account consolidation, improved cash visibility, and enhanced operational efficiency.

Security & Control

Plus, some extra support.

businessONLINE provides multiple authentication tools including soft-token for safe and secure access, allowing you to lodge queries online within the platform.

Highly secured access
Three levels of login access ensure complete data confidentiality and integrity of information through the use of encryption and digital signatures.

Security features

  • 128-bit SSL data encryption certified by NORTON
  • Access is controlled through Subscriber ID, User ID and Password
  • Shared Admin as well as client admin functionality for seamless control
  • PGP/Proprietary encryption supported for payments and payroll upload
  • Payments are secured with a multi-user defined workflow
  • Complete transaction and user audit trail
  • Online user enablement and disablement
  • Account-wise and product-wise support access to users
  • Uploaded transactions are locked for any editing or information change

How to apply

businessONLINE is a online banking service for corporate clients and is made available through a signup process with Emirates Islamic.

Kindly contact Transaction Banking Helpdesk on the below numbers for assistance in filling up the application form. For any additional information, please contact your Relationship Manager

Phone: 04-3160065

Contact Us

Transaction Banking Services Help Desk
Phone: 04-3160065

Frequently Asked Questions

businessONLINE is Emirates Islamic 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 & Mobile. This platform offers for additional features to cater to your business needs.

Key Features:

  • Single window view of all Emirates Islamic 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.
  • Rests for Deposit opening.
  • 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 Islamic 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 provide the requested information.

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

The system requirements for businessONLINE are as follows:-

  • An internet connection.
  • Subscriber ID, User ID and password (provided by the bank once you subscribe for the service).
  • A PC with a browser, preferably Google Chrome.
  • For the PC the minimum required configuration is:
    • Intel Core to duo, or similar capacity processor with 2 GHz and above, 2 GB RAM with minimum 40 GB of Free Hard Disk Space with Windows 7/10.
    • Any of the following Operating Systems: Windows 7/10.
    • This service is best viewed using Internet Explorer 11, Google Chrome (70+), Firefox (60+), Safari (5+), Opera (40+).

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.

The applicable charges are published on our bank website.Click here.

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

Please follow the below steps

  • Simply visit our website and click on the “Login” & select businessONLINE”.
  • Enter your Subscriber ID, User ID, your login password and click on “Login”.
  • Select an authentication method from the options available and enter the OTP or response code accordingly. Upon successful validation, you can access businessONLINE.

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 Islamic 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.

If your User ID is disabled in businessONLINE, you may contact our Client Service team for assistance.
Customer Service
Tel: +971 4 3160065

OTP, a unique six-digit numeric code sent to your mobile number registered with Emirates Islamic Bank, it is introduced as an additional security feature by Emirates Islamic 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 Islamic Bank’s official. Please ensure that your mobile number is accurately updated with us to be able to transact online.

Please contact Emirates Islamic Bank’s Client Services for assistance.
Customer Service
Tel: +971 4 3160065

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.
Customer Service
Tel: +971 4 3160065
Email: >

With businessONLINE, you have access to your account information 24 hours a day, 7 days a 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 Islamic 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 Islamic 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 Islamic Bank Branch and submit the businessONLINE user maintenance form.

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

You will not be able to access your Business Online.

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

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.

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.

Yes, this is possible. Please fill up the Business Online application for Corporates and SMEs businesONLINE set-up and application form and request for ENQ (Enquiry only) menu profile for the user.

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.

You may reach our client services team for assistance.
Customer Service
Tel: +971 4 3160065

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 request 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.

You can access your Current Account, Deposit Account, and Financing Account 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).

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, 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.

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.

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.

Please contact our client service team who will guide you with changing the required limits.
Customer Service
Tel: +971 4 3160065

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

Yes, you may schedule future Value Dated transaction.

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.

Administration module not available in Mobile application.

There is no separate cost for Soft Token.

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.

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 session time out period is 10 minutes.

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

Yes, you will be able to login to channel.

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

A user can cancel the transaction from his / her queue provided that user having the access of it and it will follow the workflow matrix as updated in channel. User can view the transaction in the transaction Inquiries under “Payment Type” field as “Cancel Transaction”.

The user will be prompted once the token expires.

The statements are available from 2017 onwards.

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 in one time).

Currently, the MT940 statements are not available. This option will be available in our next release.

You can download and view SWIFT copy for the outward remittances only. The SWIFT copy for the inward remittances is not available and will be available in our next release.

You can download cheque image by double clicking a cheque transaction in account statement view.

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

businessONLINE supports few delimiters like comma and pipe.

businessONLINE will have transactional data for a year.

You will have option to recall the transaction if you right-click on a particular transaction. For more information, please refer to the demo available in our website and refer to the online help available in businessONLINE.

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.

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

Following payment types will be used:

  • Transfer within Emirates Islamic/Emirates NBD – WITHIN BANK PAYMENT

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

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

  • You need to navigate to 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.

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

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

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

  • Pending Verification
  • Pending Accept
  • Ready for Authorization
  • Ready to Release
  • Sent to Bank
  • Processed by Bank
  • Yes, you can send a recall or amendment request via businessONLINE for Foreign Currency Transfer.

    There is not any provision for user to verify the charges set-up in their subscription. However, user can verify the charges from account post executing the transaction.

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

    • 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).