Emirates Islamic Reviews 

Its the worst Bank to do banking in UAE. Pathetic slow service. Customer care is even slower. Financial remediation dept. Is anything g but a remidial center. It multiplies your problems 10 times. EIB makes sure to customers who are leaving, to damage their AECB score to such an extent that the customer continues to suffer financial crunch even after leaving the bank. You can't apply for any card,neither take another loan nor do anything. My personal experience with this Bank. Just too bad.

60 days to finalize a buyout. Concern and redressal resolution purely not trustable. Hidden criteria. Be very careful in dealing with EIB. Think twice before choosing this bank

I recently noticed an **unauthorized deduction from my account** and immediately contacted the bank to report it. I even took a break from work at that moment specifically to make the call, as I believed that reporting the transaction immediately would allow the bank to take prompt action and start the investigation.

However, I was extremely disappointed to find out that the investigation was only initiated **six days later**, when I received a call from the bank informing me that they would be starting the investigation. What was even more frustrating was that, during the call, I was already being told that it would be difficult to recover or credit back the amount due to certain reasons.

This raises a serious concern: **if a customer reports an unauthorized transaction immediately, why does the investigation only start six days later?**

I made the effort to report the issue as soon as I noticed it because I expected the bank to take immediate action to protect my account and investigate the transaction. Instead, I was left waiting for days, only to receive a call that focused on why recovering the amount would be difficult.

The whole experience was extremely frustrating, particularly because of the way the matter was handled and communicated by the customer service team. I expected a more professional, responsive, and customer-focused approach, especially when dealing with an unauthorized transaction.

I also requested to close my account and ask if possible to get a written statement to be sent via email but the customer service representative named mohamed aqib said not possible how can this be possible that i cant request a written statement of the due amount for me to settle my account so i can totally closed it.

I hope Emirates Islamic reviews how such complaints are handled and improves the communication and response time for customers facing unauthorized transactions.

Tarek nasif and muhmaad ubaid

Based on my personal experience, I strongly advise customers not to rely solely on verbal promises made by Emirates Islamic Bank’s collection agents. Always request every offer, settlement term, discount, and its potential impact on your AECB credit report in writing before making any payment.

I was pressured to pay a large amount in one payment after being offered a discount, without being clearly informed that accepting this discount could negatively affect my credit report and professional future. I was not given a clear and informed choice between paying the full amount and accepting the discounted settlement.

Even after making the requested payment, the settlement was not properly cancelled or corrected, and the consequences remained on my credit record. Had the collection agent explained the full impact honestly and transparently, I would have paid the required amount without accepting the discount.

This situation has caused me serious financial, professional, and emotional harm. My advice to every customer is: do not accept any settlement or discount based on a phone conversation. Ask for the complete terms and the AECB consequences in writing, and verify everything directly with the bank before paying.

I hope Emirates Islamic Bank investigates this case properly, corrects the inaccurate or unfair reporting, and ensures that collection agents clearly disclose all consequences before obtaining a customer’s agreement.

I am extremely disappointed with the level of customer service provided by Emirates Islamic Bank. My experience has been frustrating from start to finish. No one seems to know their responsibilities, and instead of resolving my issue, I was repeatedly asked to call different departments and phone numbers without receiving any proper assistance.

As a long-standing customer, I expected much better service. Unfortunately, no one made any effort to understand my concerns or even attempt to retain me as a valued customer. This level of service is unacceptable and has completely eroded my trust in the bank.

Based on my experience, I would not recommend anyone to open an account or obtain any credit facilities with Emirates Islamic Bank. I sincerely hope the bank takes customer service more seriously and improves the way it handles its customers.

The badest bank ,badest services , badest customer care at all . No hope from this people there . No one care . No one response . No one know anything . I dont know why you still open this bank guys . Go find another business if you cant be respect and professional .

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There was a no toll free number, I pay to speak with customer service and nobody answered for 25 min. And still my problem not solved. Who will pay for me?

emirates islamic bank,I would like to express my sincere appreciation for the excellent service provided by your bank. I am fully satisfied with the support and professionalism by MRS.SHAISTA SYED shown by your staff. The way my request was handled was efficient, polite, and very helpful.

It is truly a pleasure to be your customer, and I am grateful for the high standard of service you consistently deliver. Please convey my thanks to the concerned team for their outstanding work.
Shahid Ali Syed Ali (BUR DUBAI)

Dear Emirates Islamic Bank,

I would like to bring to your attention an issue I had been facing over the past three months regarding the redemption of reward points in the Islamic App under the cashback option. Despite multiple follow-ups with customer care, the issue remained unresolved until recently.
Today, I had the opportunity to interact with Ms. Pooja I from your customer service team via WhatsApp. She demonstrated exceptional dedication by thoroughly reviewing my case, requesting necessary details and screenshots, and conducting a detailed investigation. She promptly registered my complaint and provided a reference number.
I am pleased to share that Ms. Pooja followed up diligently and personally called me this evening to confirm that the issue had been resolved successfully. Her commitment, professionalism, and proactive approach made a significant difference in resolving my concern.
Ms. Pooja I is truly an asset to your esteemed bank. Without her support and persistence, my issue might have remained unresolved. She represents your organization with great professionalism and positivity.
I sincerely hope this message reaches your senior management and is also conveyed to Ms. Pooja I as a token of appreciation.
Thank you once again, Ms. Pooja.
Warm regards,
Ravindra Nayak
Happy Customer
056-5506995

I’ve had a very bad experience trying to replace my credit card. It has been a week and I still haven’t been able to receive the card from the courier. The courier has come four times, but each time he refused to deliver the card, saying that the bank had not uploaded the required documents.

Yesterday, I contacted you and you promised the issue would be resolved immediately. However, the courier came again today and said the information had not been updated by the bank, so he did not deliver the card. Since this morning, I have also been unable to reach customer service.

This has been my first and worst experience with your service, especially considering that I received my cards from Mashreq Bank and NBD without any problems.

Very nice branch qasmiyah goooooooood service nice stuff helpful amal sheikh

I applied for Credit Card through Shiv Bahadur. He explained the card features very nicely in detail and also got the approval for me fast as I had to travel.
Excellent service

Worst banking experience. My credit card got blocked after i transferred to another company. I had to revisit their branch multiple times and in every visit i make they will always have something to say about the requirements that i submit. Even their customer service agents sucks, they reply on email 1 week after you sent them an email. The staff particularly in Al Hamriya, Burjuman were very unprofessional and definitely not approachable.

My overall experience with this bank has been deeply frustrating and financially concerning. Based on what I personally went through, the process felt misleading and unfair.

During the personal finance and deferment discussions, I was given clear assurances regarding cashback, joining benefits, and a profit-free deferment period. These commitments were made during recorded calls and influenced my decision to continue with the bank instead of transferring my liability elsewhere.

However, after complying fully with the agreed terms, I later discovered that profit had still been charged during the deferment period, and the outstanding amount reflected in the liability letter did not match the expected balance after payments.

Despite raising multiple formal complaints and providing documented proof, the matter remains unresolved. The level of follow-up required from a customer is unreasonable, and accountability appears very limited.

From my personal experience, the entire situation feels misleading and handled without transparency. I strongly advise anyone dealing with this bank to obtain everything strictly in writing and verify all financial calculations independently before proceeding.

I don't want to give even one star
Very very bad service in bank and also online banking .bank employes sitting free there but don't want to serve you
I don't want to Say bad words
Bank is stealing money from your credit card in the name of total bcz nobody check the total every time we trust on bank but this is unworthy bank also online calls I did 6 times but they did not solve the issue👎

Advice

Don't open account in this bank
Emirates islamic

Their customer support is almost impossible to reach by phone, and the overall service feels extremely unhelpful. My money got stuck in an NBD ATM, and I contacted them immediately through WhatsApp because it was urgent. Now six days have passed, and there is still no proper response or resolution.

This was the only money I had, and the delay has caused serious inconvenience. The working procedures seem extremely slow and poorly handled, especially for issues involving customers’ essential funds. For a bank, this level of support is unacceptable.

If you are planning to open a bank account with them, think twice before doing so. Based on my experience, the service quality and response time are very disappointing.

Also, their mobile app is full of bugs and has a very frustrating user experience. Basic tasks are not smooth, and the overall design feels outdated and unreliable.

One of the worst experience i have ever had with any bank. I had applied for a peraonal loan and it was approved in O4 months back. Till today the process is not closed. The agent assigned to me has ghosted and blocked me leaving it half way. The bank has now started sending notificationa for installment reminder and the process is not yet over. The customer service team take ages to reply and without solution. This is an ongoinvlg fight for the paat 4 months.

I had a very disappointing experience with Emirates Islamic Bank, specifically with their auto loan/outbound team. My emails and calls were repeatedly ignored, and I received no proper updates for a long time. Communication was almost nonexistent.

In particular, my interaction with Preeti Kumari from the COO Outbound team was extremely frustrating. There was no follow-up, no clarity, and no basic courtesy of responding to customer messages. Being left completely in the dark after submitting documents and waiting for updates is unacceptable.

A bank of this size should have a much better customer support system. Ignoring customers and keeping them waiting without any response shows a lack of professionalism. This has been one of the worst customer service experiences I’ve had with a bank in the UAE.