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Emarati Business Banking
About Corporate Banking
All your banking needs on one secure, intuitive, and feature-rich online ecosystem—accessible anytime, anywhere
businessONLINE gives you complete visibility, control and efficiency over your day-to-day banking through a single, secure digital platform.
Access all your accounts and banking services from one centralised dashboard, with real-time insights that help you monitor balances, transactions and financial activity instantly.
Manage payments, collections, payroll and reporting seamlessly, reducing manual effort and enabling smoother, more efficient financial workflows across your business.
Receive timely alerts and notifications at every stage of your banking activity, with secure access across desktop and mobile devices so you’re always connected and in control.
Simplify day-to-day tasks on a user-friendly platform that gives you complete visibility of your finances, all in one place.
The Payments Suite on businessONLINE gives you end-to-end control over local and international transfers, payroll, government, tax, and utility payments—helping you process transactions faster, stay compliant, and simplify everyday operations.
Boost your cash flow efficiency with a suite of advanced collection solutions designed to give you complete visibility and control over incoming payments.
Effortlessly track and manage your business finances with comprehensive account insights, flexible reporting formats, and real-time reconciliation tools.
Take control of your routine banking tasks anytime, anywhere. From issuing chequebooks to managing fixed deposits, businessONLINE lets you submit and track service requests seamlessly online—no branch visit required.
Skip paperwork. Save time. Start instantly.
Our digital onboarding takes you from interest to action quickly and transparently. Start your business banking journey effortlessly. With businessONLINE, onboarding is fast, digital, and completely under your control—no branch visits required.
Assign and manage multiple admins without limits, ensuring every team member has the access they need — all under a single secure login.
businessONLINE gives you single-point access to all your banking relationships, including external account reporting, delivering a consolidated 360-degree view of cash positions across entities.
Manage outgoing payments and incoming collections from a single, integrated platform. From supplier payments and payroll to receivables tracking and reconciliations, this unified suite gives you complete visibility, stronger control, and smoother cash flow.
Manage all your business payments efficiently from one secure platform. Our suite offers speed, transparency, and convenience across local and international transactions — keeping your business moving forward seamlessly.
Streamline your collections and gain full control over your receivables with tailored solutions that suit the way your business operates.
Access essential banking services instantly, anytime, anywhere. With over 20+ ready‑to‑use services, Instant Banking Services streamlines routine tasks so you can focus on what matters most — running your business.
Simplify cash distribution with businessONLINE by sending funds directly to recipients without issuing cards—secure, fast, and fully controllable. Beneficiaries can withdraw via Emirates Islamic ATMs using a one-time PIN sent to their mobile.
Security you see is just the tip of the iceberg. Beneath the surface, businessONLINE works tirelessly to protect your business.
Security features that you don’t see but can always feelTriple-Layer Login — Keep your data locked tight.
Smart Authentication — Soft-token access for seamless, secure logins.
Encrypted & Verified — 128-bit SSL + digital signatures for ultimate protection.
Role-Based Control — Decide who sees, approves, and manages what.
Payments with Built-In Checks — Multi-user workflows and locked transactions.
Full Audit Trails — Every action tracked, nothing hidden.
Support on Demand — Lodge queries directly in the platform.
Whether you’re a Business Banking client or a Corporate Customer, the signup process is straightforward — and our team is always ready to guide you.
Whether you’re a Business Banking client or a Corporate Customer, the signup process is straightforward — and our team is always ready to guide you.
Need Help? Your Relationship Manager Can Assist.
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:
Key Benefits:
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:-
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
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
Email: [email protected]
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
Email: [email protected]
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: >[email protected]
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.
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
Email: [email protected]
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 -
Please contact our client service team who will guide you with changing the required limits.
Customer Service
Tel: +971 4 3160065
Email: [email protected]
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.
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:
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.
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:-
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.
Manage multiple business accounts across entities, currencies and structures through a single, secure login. businessONLINE gives you a consolidated view of balances, transactions and activity, enabling smarter decisions and seamless coordination across your organisation.
Manage every business payment from one secure, unified platform. Whether it’s transferring funds, distributing salaries, or paying utilities and taxes, businessONLINE makes it secure, seamless, and fully compliant.
Transfers:
Effortlessly send funds locally or globally with secure, fast, and flexible transfer options.
Payroll and Pension:
Simplify employee salaries and pension distributions with full regulatory compliance.
Utility Payments:
Pay bills, government fees, and taxes instantly, keeping your operations smooth and hassle-free.
Maximize efficiency and simplify cash flow management with our suite of innovative collection solutions ahead.
Get a complete view of your accounts and transactions with intuitive tools designed for clarity, accuracy, and speed.
Easily manage your day-to-day banking needs with a single click. Submit requests for essential services and enjoy faster processing, complete visibility, and full convenience—all within businessONLINE.
businessONLINE accelerates onboarding by breaking down complex processes into easy, task-based steps for every corporate client. Here's how you can kickstart your business banking journey with Emirates Islamic.
Welcome aboard!
Welcome aboard! With businessONLINE, onboarding isn’t just simple—it’s smart. Enjoy a seamless journey from setup to first transactions with complete visibility and control at every step.
Increase efficiency: Digitize your documentation, reduce manual errors, and save time with an intuitive workflow.
A virtual branch at your fingertips: Subscribe and complete onboarding anytime, anywhere—your office or home is all you need.
Better control and oversight: Smart Forms let you assign tasks, request entitlements, and manage maintenance effortlessly.
Complete transparency: Receive real-time notifications in your platform mailbox, so you’re always in the loop.
Manage user roles, permissions, and authorizations effortlessly — all from one secure platform.
Effortless Administration
Assign and manage multiple admins without limits, ensuring every team member has the access they need — all under a single secure login.
Streamlined Entitlements
Wizard-based navigation and pre-defined templates make setting up user groups, product access, and service permissions simple and fast. Upload and update KYC documents in just a few clicks.
Flexible Roles
Switch roles seamlessly between administrator and authorizer without needing multiple logins, keeping your operations smooth and uninterrupted.
Enhanced Productivity
Clear symbols, intuitive navigation, and automated processes reduce complexity, giving your team more time to focus on what matters — growing your business.
Real-time insights
View aggregated cash positions across banks and entities in real time, with instant visibility into account balances and status updates.
Tailored reporting
Create and download customised reports for reconciliation, planning, and forecasting. Account statements are available in multiple formats—MT940, CSV, PDF, and Excel—across selected date ranges, with bank branding included.
Built to save time
Download multi-account statements in one click, access VAT statements online, and update trade licence details digitally—eliminating repetitive branch visits and manual downloads.
Remote banking services
Submit instructions and manage requests directly from your office, track progress online, and benefit from faster turnaround times with complete transaction visibility through:
*Applicable for TT amendments, TT recalls, and token requests)
Self-service made simple
Access a growing range of self-service requests, including cheque book requests, lost or stolen card reporting, stop cheque requests, deposits, fixed/Wakala placements, entitlement changes, and general service requests.
CXO Dashboard
An executive-level dashboard designed for CEOs, CFOs, and Corporate Treasurers, offering a consolidated snapshot of assets and liabilities, account summaries, FX positions, facility utilisation, market exchange rates, and benchmark rates.
Virtual accounts
Operate virtual ledger accounts that function like physical bank accounts—enabling transaction segregation, intercompany balance management, and virtual liquidity structures. Ideal for multi-entity, multi-currency, and multi-country businesses seeking enhanced cash visibility, natural cash concentration, and optimized working capital.
All your payments. One seamless platform.
Salary & Pension Payments
Upload employee payment instructions effortlessly, no matter where your team is located.
Domestic & Foreign Currency Transfers
Take advantage of competitive rates and execute international or domestic transfers quickly and conveniently, anytime.
VAT & Excise Payments
Simplify tax payments with G IBAN, e-Dirham, or credit card options—cutting down on paperwork and processing time.
Utility & Noqodi Payments
Pay utilities like DEWA, ADDC, Etisalat, Du, Salik, and Dubai Municipality, or use your Noqodi e-wallet to pay 40+ government and semi-government entities.
SWIFT for Corporates
Cross-border payments are faster, transparent, and traceable. An innovative tracker confirms when the supplier or beneficiary has been credited, giving both parties real-time updates.
Remote Cheque Printing
Request and print corporate cheques from your office using standard printers, with all cheque stationery pre-printed with MICR codes.
Online Manager’s Cheque / Demand Draft Requests
Upload required documents and select account, beneficiary, amount, print date, collection branch, and collector details—fully online.
Multi-Currency Payments
Pay beneficiaries in their preferred currency, enabling smooth cross-currency transactions.
Payment Reminders
Set up online standing instructions for recurring payments and never miss a deadline.
One-Click Quick Pay
Access a dropdown of your last 10 payments to quickly repeat transactions for the same beneficiary—saving time and effort.
Manage your receivables efficiently and securely with solutions designed to maximise cash flow and simplify your collection process.
ICCS Collect – Remote Cheque Deposit
Deposit and clear cheques digitally from your premises using businessONLINE, with extended cut-off times for faster access to funds.
Direct Debit – UAE DDS
Automate recurring payments of fixed or variable amounts, reducing manual tracking and paper-based processes.
Payment Gateway Services – UAEPGS
Accept payments seamlessly from multiple banks via a single integration on the Central Bank of UAE’s national e-commerce platform.
Cash, Cheque & Document Collection
Simplify your cash cycle with secure Cash-in-Transit services, ensuring timely and safe collections.
Virtual Accounts
Organise your transactions, intercompany balances, and virtual liquidity management with account consolidation, enhanced cash visibility, and operational efficiency.
