Review Time
For a major bank, the onboarding process felt disorganised and inefficient. After significant time wasted with no real progress, I withdrew my application and chose to move my capital elsewhere.
Very disappointing.
It is so uncomfortable to make payments using your Debit or Credit Card from Emirtaes NBD AAP. Evertime, we have to log in on App and Authorize transaction which is a double work. Please keep the option of OTP for payments so those who are not interested to use APP can use OTP instead.
The app should be for convenience not to make life difficult.
Besides I opened two millionaire account, after opening it disappeared . If an account is opened, it has balance or no, it should reflect on the dashboard. Also it does not give me any option to deposit in that, as its disappeared from the dash board.
Besides I read about your gold investment. The physical gold can be enchased through Emirates NBD only, the option should be , either to buy physical gold or digital gold, also it should have flexibility, if digital to sell directly on the app instantly and if physical to be en-cashed in any stores in UAE at the prevailing rate. Then its fun investing. (See the options other bank has).
There is no section on the APP to give feedback or chat with an Agent or Send Email through APP, which makes us completely isolated while on the APP.
Also the pending issue to receive payment is prevailing since 6 months and have not received any update for the payment I was supposed to receive from one vendor.
I would like to write something about your relationship officer Arnel Reyes Penergo, as he assisted me on my credit card and i needed it quite urgently, he assisted me with such professionalism and amiability. He made the process very smooth and pleasant, and supported me with every step. I can't thank him enough for his devotion to meeting my requirement on time. He is an asset to your team! I thought this would be a great way to show my gratitude to Arnel. Thank you!
I would like to write something about your relationship officer Arnel Reyes Penergo, as he assisted me on my credit card and i needed it quite urgently, he assisted me with such professionalism and amiability. He made the process very smooth and pleasant, and supported me with every step. I can't thank him enough for his devotion to meeting my requirement on time. He is an asset to your team! I thought this would be a great way to show my gratitude to Arnel. Thank you!
Just after a month of opening an account with them,I kept receiving some document has to be updated to avoid restrictions on my account but nobody knows what that missing document is. Turns out the firld agent who visited me for the account opening didn't upload some document so both the branch and the customer support say that only the agent knows what document that is. The agent says he doesn't know what's the issue is. My money is stuck and cheque has bounced adding up a lot of fines and hassle for me visiting the branch multiple times only to get no answer. They don't read their mails. Funny how you can't use your own money when you trust a bank.
Any company that needs even a basic level of agility should stay well away from this bank.I opened this account fully disclosing that I am based abroad. A simple issue with a phone number arose, and honestly, I’m glad it did, because it exposed how dysfunctional this bank is before I actually needed to move money or run real operations through it.After multiple email exchanges that were mostly confused and contradictory, I was told I had to visit a branch in person just to change the account phone number. For a so-called modern business bank, that alone is astonishing.At the branch, I was seen by a representative who stamped the same form four times. I then waited another 30 minutes to see the branch manager, who also stamped the same form four times. I was assured that within a few days everything would be updated and I could properly access my account.There was no communication at all. When I followed up, more confusion followed. Apparently, the phone number had been changed, but “digital services” require a completely separate form, which also must be stamped in the branch, by a relationship manager. One problem: no relationship manager has ever been assigned to my account.I genuinely do not understand how this bank operates in the 21st century. The processes are completely archaic, and the customer service is worse. Emails are clearly not read properly, concerns are ignored, and there is no real attempt to understand or solve the problem. It feels entirely procedural, with no ownership or accountability.The final irony was when I instructed them to close the account and they responded by asking me to complete yet another form.At that point, all you can really do is laugh.This bank is a complete waste of time. For any business that values efficiency, clarity, or modern banking standards, this is absolutely not the place to be.
Horrible customer service i keep requesting and sending all required forms to change my account status from resident to non resident one month i am following up and the person called Ranjitha Rajiv keeps sending me same email over and over again rather than really being helpful. Worst customer service
I called Emirates NBD to inquire about a car loan. I previously took a car loan for five years, which I fully settled in four years with no issues. When I applied for a second car loan, despite earning AED 18,000 per month, I was informed that I was not eligible.While I understand that banks have their own eligibility criteria, the way the call was handled was unprofessional. The representative ended the call without proper explanation or courtesy.For comparison, another bank has approved a home loan of AED 600,000 for me and communicated very professionally. Due to repeated inconvenience and poor customer service, I am now seriously considering changing my bank. Emirates NBD should improve staff training in customer service and communication.
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