Emirates Islamic Reviews 

My experience with Emirates Islamic Bank has been very disappointing. The bank approved my personal loan and initially scheduled installments for the 10th of each month, which they later changed to the 6th without clear communication. Despite approving the loan, the amount was not transferred to my account until several days later. Meanwhile, they deducted the first installment on the 4th—before the loan amount was even credited. This situation raised serious concerns about their internal coordination and customer service. Based on my experience, I do not find Emirates Islamic Bank reliable.

In 2025 even snails and turtles are faster than EIB staffs in product & documentation process, especially the Personel Loan back Office team they are still living in 2005.

Delayed, slow and worst services

They deserve 0 stars. I was offered a salary transfer bonus from a representative in a stand inside the company I work for. I have follow all steps and completed with the necessary steps to get the bonus. After deposit over 6 salaries 360k, they said that the offer was not valid when I opened my account. Even providing all proof it was, they still refuse to pay the so called bonus.

One of the worst bank in my life I have seen and the team members unprofessional wasting time ..

Hands down the worst bank in the UAE. A bank that is perpetually stuck in the 90s when the rest of the world has modernized. I have two particular issues with them:

1. I have been constantly chasing the remediation team regarding a very unfair personal loan contract that I currently have. I have flagged numerous times that the EMI is above the legal limit and have thoroughly explained since April that I will no longer be working full time from July onwards. As a result, I have been met with silence and no urgency from their end despite constant calls and emails from my side.

2. I was scammed through my credit card for 5,000 AED and they would not refund the amount back to me despite proving clear evidence that I was scammed.

All in all, stay far away from this bank. Go digital with Wio or Liv and I promise you that you’ll never experience lousy service ever again.

Very bad experience in getting the loan from bank, almost taking 2month and had taken 3 times
liablity letters

I am writing to formally raise a complaint regarding an issue with my car loan payments. On 26 July, the loan installment amount was deducted twice from my account. Despite my repeated follow-ups, I have not yet received a clear timeline for when the duplicate deduction will be refunded.

Furthermore, I have been trying to reach my Relationship Manager, Mohamed Nabeel Khateeb but unfortunately, my calls have gone unanswered. This lack of response has made the situation even more frustrating.

I kindly request:

Immediate confirmation of the refund date for the duplicate deduction.

Clarification on why this error occurred and assurances it will not happen again.

Improved communication from your team, as timely support is expected for such critical matters.

I trust that this matter will be treated with urgency, and I look forward to your prompt resolution.

Sincerly,
Richard Najm

1 star (only because zero isn’t allowed).
I’ve dealt with no less than 10 banks, local and international, and Emirates Islamic is by far the worst of the worst. The absolute basement of banking. Complaints to the Central Bank? Completely useless. EIB very much don’t care if you even get a heart attack because of them. Every complaint/follow up with them comes back with a response dumber and more ridiculous than the last, as if they’re competing to see who can insult your intelligence more.

To put this circus in context: I requested a simple buyout in May. It’s now September, and these clowns still haven’t finalized it. Four months later, nothing but excuses and incompetence.

If you value your sanity, avoid this bank like a plague. Burning your money in the street is genuinely a smarter, faster, and more efficient financial decision than ever opening an account here. Emirates Islamic isn’t a bank, it’s a cautionary tale in how low customer service and standards can fall.

The bank has blocked my account and didn't give me access to my funds for months, without any valid reason and after me sending them all the documents they requiested for their "KYC update" numerous times. Unprofessional and disrespectful. I would NEVER use this bank again.

I've been working on a request to release money on hold in my account, chasing them for 4 days and asking the teams to speed up the process. Despite having all the papers sent and urgency follow-ups from customer service, it seems that no one cares about the situation, and I receive the same robotic answers from customer service.
Customer service confirmed the call with management of sales head who assured my money will be released by end of day. still nothing but lame excuses that papers are missing.

Still, no answer. It's as if the lucky customer is like a lucky lottery ticket winner.

Worst Experience with Emirates Islamic, a fraudulent transaction on my credit Card was reported to bank in less than 5 minutes, but no use, still they couldn't stop it or reverse it even i waited 2 months, I paid that 5000.
never recommend EI to anyone....

Pathetic service , highly recommend to avoid

Really bad experience happened to me recently because they just deducted 200 aed that they said late payment for the loan i just finished 6 years ago. im not sure how many times it happened, but wheb i call the call center it will take few days or weeks to resolve the issue. Due this experiences i am not recommending this to my friends and family. Such a disappointing experience

never had this bad customer care..loan processed in may,,,still waiting for the same in july..pathetic

One of the worst banking and never ever recommended bank in my experience.....
Even the bank executive guy as well ,who has dealt with me.......
Only focused on a marketing like SHOE OR A CLEANING AGENT COMPANY ADVERTISE...
I WILL NEVER RECOMMEND TO ANYONE....I have started and proceed all the documents from May second week( 16-05-2025) and signed the bank paper. Unfortunately, still I'm begging for my loan amount to the bank representative but from last month the bank started to make the fine for the EMI due and late payment fee. The ridiculous matter is still I did not receive my money in my account and clearance letter from the other bank credit cards....
How can they deduct the penalty, what kind of system???

WORST CREDIT CARD DEPARTMENT EVER!!!!!!! INCOMPETENT, AFTER SO MANY EXPEDITIONS ABOUT CANCELLATION OF MY CREDIT CARD THEY DONT TAKE ACTION. CLEARLY MENTIONED MY SITUATION BUT NO CARE OR URGENCY AT ALL FORM THEIR SIDE.

One of the worst banks to deal with! Please stay away from this bank for any personal finance needs - the bank and its way of dealing with customers is one of the worst ever! Please don’t waste your time dealing with them ever!

The personal loan team has been harassing me for months with no review. Worst bank ever.

I am writing to express my concern regarding an issue with my credit card. Without any prior notification or reason, my existing credit card was canceled, and a new card was issued. Unaware of this change, I continued to make payments to the old card. These payments were not processed, resulting in late fees.
I have tried to activate the new card via your call center, ATM, and mobile app, but none of these methods have worked. On June 3rd, I visited your branch and was advised by a representative to pay through the teller. I followed this instruction, and I was assured the payment would be received on my card.
Despite this, I have now received another late fee.
I request that someone from Emirates Islamic Bank contacts me urgently to resolve this issue, waive the unjust late fees, refund both instances of late fees charged unnecessarily, and ensure that my payments are correctly applied to my account so i can finally cancel my card and get rid of my self from your network.