Residents wait to be photographed for their Emirates ID. Bank customers that did not supply the document are now facing disruption. Jeff Topping/The National
Residents wait to be photographed for their Emirates ID. Bank customers that did not supply the document are now facing disruption. Jeff Topping/The National
Residents wait to be photographed for their Emirates ID. Bank customers that did not supply the document are now facing disruption. Jeff Topping/The National
Residents wait to be photographed for their Emirates ID. Bank customers that did not supply the document are now facing disruption. Jeff Topping/The National

UAE banks suspend customers who did not share identity documents


Alice Haine
  • English
  • Arabic

UAE banks have suspended services to customers who failed to comply with a Central Bank of the UAE directive to submit their Emirates ID.

Emirates NBD and Commercial Bank International confirmed on Wednesday that affected customers had not supplied their identity documents by the February 28 deadline stipulated by the Central Bank, and have since had their accounts blocked.

Shaker Zainal, head of retail banking at CBI said: “In accordance with the Central Bank of UAE’s guidelines, CBI introduced service disruption consequences for non-compliance. Debit and credit cards, including ATM cash withdrawals, were suspended post the February 28 deadline.”

A Central Bank circular in November, urged banks and finance companies to ensure customers update their records by the deadline to avoid repercussions. According to the directive, customers who failed to comply would be unable to withdraw money from automated teller machines and would have debit and credit card transactions blocked until they provide their Emirates ID.

The UAE Central Bank said the temporary suspension of ATM cards would not prevent customers from withdrawing cash directly at a bank's branch counter.

Suvo Sarkar, senior executive vice president, head of retail banking and wealth management at Emirates NBD, said “a small percentage of customer accounts have been suspended in line with the requirements”.

“As per Central Bank guidelines, customers who did not update their details within the given time frame faced suspension of their debit or credit card, following which the card cannot be used for any transaction, such as ATM cash withdrawals, retail purchases or e-commerce transactions,” he said. “As per the Central Bank regulation, the suspension remains in force until the customer updates their details with us.”

Mr Zainal said the suspension would remain in place until the Emirates ID information is supplied. Direct debit transactions have not been affected, he said.

“We track card declines resulting from the temporary blocks we enforced due to the missing Emirates ID information. We then immediately call these customers and provide various options to them to update their Emirates ID information quickly and securely, so that customers can choose their preferred method or channel,” Mr Zainal said.

Al Etihad Credit Bureau told The National in November it only has Emirates ID information for 85 per cent of the 4.5 million borrowers listed in its database. The remaining 15 per cent do not have identity data.

Many banks carried out extensive campaigns to alert customers of the new regulation. Mr Zainal said some customers failed to supply the documents because they “might have left the UAE, are travelling or busy”.

Mr Sarkar said while the vast majority of customers “were compliant” with the regulatory requirement, some "customers were unable to update their details on time, for instance, if they were travelling or otherwise indisposed, or their Emirates ID may be under process or being renewed”.

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The biog

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Age: 78

Family: a daughter in Egypt; a son in Dubai and his wife, Nabila

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1970

October 26: Bahrain withdraws from a proposal to create a federation of nine with the seven Trucial States and Qatar. 

December: Ahmed Al Suwaidi visits New York to discuss potential UN membership.

1971

March 1:  Alex Douglas Hume, Conservative foreign secretary confirms that Britain will leave the Gulf and “strongly supports” the creation of a Union of Arab Emirates.

July 12: Historic meeting at which Sheikh Zayed and Sheikh Rashid make a binding agreement to create what will become the UAE.

July 18: It is announced that the UAE will be formed from six emirates, with a proposed constitution signed. RAK is not yet part of the agreement.

August 6:  The fifth anniversary of Sheikh Zayed becoming Ruler of Abu Dhabi, with official celebrations deferred until later in the year.

August 15: Bahrain becomes independent.

September 3: Qatar becomes independent.

November 23-25: Meeting with Sheikh Zayed and Sheikh Rashid and senior British officials to fix December 2 as date of creation of the UAE.

November 29:  At 5.30pm Iranian forces seize the Greater and Lesser Tunbs by force.

November 30: Despite  a power sharing agreement, Tehran takes full control of Abu Musa. 

November 31: UK officials visit all six participating Emirates to formally end the Trucial States treaties

December 2: 11am, Dubai. New Supreme Council formally elects Sheikh Zayed as President. Treaty of Friendship signed with the UK. 11.30am. Flag raising ceremony at Union House and Al Manhal Palace in Abu Dhabi witnessed by Sheikh Khalifa, then Crown Prince of Abu Dhabi.

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December 9: UAE joins the United Nations.

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