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Take control of all your banking needs

We’re transforming banking as you know it with businessONLINE by Emirates NBD. businessONLINE is a new, comprehensive digital global cash management ecosystem that gives you the control you need across all your financial relationships, accounts, and activities - all on one user-friendly platform.
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The smart way to bank

Work smart with businessONLINE and streamline how you manage your company’s finances.
Customized dashboards to cater to different roles

Customized dashboards to cater to different roles

Detailed account and statement reporting

Detailed account & statement reporting

Comprehensive payments and collections suite

Comprehensive payments and collections suite

Completely redesigned administration

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

Onthego mobile banking that is accessible across digital platforms

On-the-go mobile banking that is accessible across digital platforms

Onboarding

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

Add secondary users from the comfort of your office or home by initiating the process at the click of a button.

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. It places no restriction on the number of admins, eliminating the need to maintain multiple account IDs to work with different transactions.
Greater productivity

Greater productivity

It provides assistance through pre-defined user groups and pre-defined templates for products and services. KYC documents can also be uploaded and updated in a few clicks.

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More flexibility, More power

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

A financial powerhouse at your fingertips.

businessONLINE provides single access to all your banking accounts along with external account reporting

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.

Real time information

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.
Higher customization

Time-saving features

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

Time saving features

Remote services

Effortlessly provide instructions to the bank from the comfort of your office premise to manage task-based requests. 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
Remote services

Customized Dashboard

Access widget-based customised dashboards for various aspects of your business to track, monitor, and share your critical metrics. For example, 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.

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Payment suite that matches 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 and bulk payments. Plus, the system allows the processing of all regulatory payments online such as VAT and GPSSA.

1

Salary and pension payments

Upload payment instructions for employees, wherever they are.

2

Domestic and foreign currency transfers

Make the most of our competitive rates with quick and convenient international or domestic money transfers at any time.

3

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.

4

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.

5

International payments

Send payments in a wide range of currencies to your beneficiaries all over the world at competitive exchange rates.

6

Multi-currency capabilities

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

7

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.

Cash, cheque & document collection

Enroll for Cash-in-transit services to streamline your cash cycle process with seamless transportation of daily cash and cheques.

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Virtual accounts

Enjoy bank account consolidation, improved cash visibility and enhanced operational efficiency. Segregate your day-to-day transactional activities and get support on your inter company balance with secure sign-in. You can maintain your virtual account structures, search for transactions, view real time receivables from payers and generate electronic reports and statements for reconciliation.

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Customer Care

Instant Banking Services

A first-of-its-kind addition to our Corporate and Business Banking ecosystem. This seamless, end-to-end digital banking services suite on businessONLINE lets you take charge of your banking needs, anytime, anywhere.

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Cardless Cash Withdrawal

Cardless Cash Withdrawal

Go cardless and enjoy safe and secure withdrawals.

Login to businessONLINE & initiate Cardless Cash Withdrawals from any Emirates NBD ATM.

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Promo smartTRADE

smartTRADE

Make your mark on the global marketplace through smartTRADE on businessONLINE. Its a trade finance portal that lets you manage all your Trade Finance requirements in just a few clicks.
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Promo Plus some extra support

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.
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Promo Started with businessONLINE

Getting Started with businessONLINE

Access all the businessONLINE user guides here.
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What are people asking?

businessONLINE is Emirates NBD 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. This platform offers for additional features to cater to your business needs.

Key Features:

  • Single window view of all Emirates NBD 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 NBD 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 provided 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+).

businessONLINE is Emirates NBD 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. This platform offers for additional features to cater to your business needs.

Key Features:

  • Single window view of all Emirates NBD 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 NBD 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 provided 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.

www.emiratesnbd.com/en/assets/File/EmiratesNBD_BB_Schedule_of_charges.pdf

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 www.emiratesnbd.com and click on the "Login to 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 NBD 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.

Business Banking Customers Help Desk
Tel: +971 4 3160214 - Select Option 1 on IVR
Email: businessONLINEhelp@emiratesnbd.com

Corporate Banking Clients Help Desk
Tel: +971 4 3160214 – Select Option 2 on IVR
Email: businessONLINEWB@emiratesnbd.com

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

Please contact Emirates NBD Bank's Client Services for assistance.

Business Banking Customers Help Desk
Tel: +971 4 3160214 - Select Option 1 on IVR
Email: businessONLINEhelp@emiratesnbd.com

Corporate Banking Clients Help Desk
Tel: +971 4 3160214 – Select Option 2 on IVR
Email: businessONLINEWB@emiratesnbd.com

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.

Business Banking Customers Help Desk
Tel: +971 4 3160214 - Select Option 1 on IVR
Email: businessONLINEhelp@emiratesnbd.com

Corporate Banking Clients Help Desk
Tel: +971 4 3160214 – Select Option 2 on IVR
Email: businessONLINEWB@emiratesnbd.com

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

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

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).

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. OTP is a dynamic password and is valid for the current event only.

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.

You will not be able to access businessONLINE without an OTP.

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.

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 rest 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.

Please fill up the businessONLINE set-up and application form and select ENQ (Enquiry only) menu profile for the user.

You can access your Current Account, Deposit Account, Loan Account and Credit Card 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).

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.

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.

You may reach our client services team for assistance.

Business Banking Customers Help Desk
Tel: +971 4 3160214 - Select Option 1 on IVR
Email: businessONLINEhelp@emiratesnbd.com

Corporate Banking Clients Help Desk
Tel: +971 4 3160214 – Select Option 2 on IVR
Email: businessONLINEWB@emiratesnbd.com

There is no separate cost for Soft Token.

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

Yes, you may schedule future Value Dated transaction.

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

Yes, you can send a recall or amendment request via businessONLINE for Foreign Currency Transfer.

Administration module is not available on Mobile application.

businessONLINE supports few delimiters like comma and pipe.

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

There is no provision for a user to verify the charges set-up in their subscription. However, users can verify the charges on their account post executing the transaction.

A user can cancel the transaction from his / her queue if the user has the access to it and the transaction follows the workflow matrix as updated in channel. A user can view the transactions as the transaction inquiries under "Payment Type" field as "Cancel Transaction"

You can download and view cheque image from businessONLINE.

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 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.

The statements are available for 7 years.

businessONLINE will have transactional data for a year.

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

You can provide date range in the range of 180 days.

  • You need to navigate on 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.

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

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

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.

You can download and view SWIFT copy for outward remittances only. SWIFT copy for the inward remittances is not available as of now. It will be made available in our next release.

Please contact our client service team who will guide you with changing the required limits.

Business Banking Customers Help Desk
Tel: +971 4 3160214 - Select Option 1 on IVR
Email: businessONLINEhelp@emiratesnbd.com

Corporate Banking Clients Help Desk
Tel: +971 4 3160214 – Select Option 2 on IVR
Email: businessONLINEWB@emiratesnbd.com

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

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

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.

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.

The session time out period is 10 minutes.

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

1.Pending Verification

2.Pending Accept

3.Ready for Authorization

4.Ready to Release

5.Sent to Bank

6.Processed by Bank

Following payment types will be used:

  • Transfer within Emirates NBD/Emirates Islamic – WITHIN BANK PAYMENT
  • LCY – LOCAL CURRENCY PAYMENT
  • FCY – FOREIGN CURRENCY PAYMENT
  • 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).

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

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

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.

Yes, you will be able to login to channel.

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

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 user will be prompted once the token has expired.

businessONLINE - Guides

How to setup your Password

How to access your statements

How to Change your Password

How to initiate a Within Bank Payment

How to initiate a Local Currency Payment

How to initiate a Foreign Currency Payment

How to track payments using SWIFT GPI

How to Amend a Local or Foreign Currency Payment

How to Recall a Local or Foreign Currency Payment

How to activate smartPASS on the businessONLINE mobile app (iOS)

How to activate smartPASS on the businessONLINE mobile app (Android)

How to Initiate a Cash Pickup Request
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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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