smartBusiness | Business, Corporate and Institutional Banking Service

smartBUSINESS

The best business partner is available 24/7

Every second counts in the global economy. Seize opportunities as they come with smartBUSINESS, our secure web-based platform that gives you access to your account and make transactions any time, any day of the year.

SERVICES AND TRANSACTIONS

smartBUSINESS is an invaluable tool for your transactions wherever in the world you may be.

PAYMENTS

Optimise your resources while meeting your payment requirements.

TRANSFERS

Cut down the paperwork with easy online transfers to own Account and third-party or vendor accounts within the Emirates NBD network.

REMITTANCES

Never miss a payment here and overseas with international and local telegraphic transfers and demand drafts available as well as Manager's Cheques for third-party payments.

REQUESTS

Access your Accounts and make requests at your convenience.

REPORTS

Access the information you need on your Accounts and transactions in real-time wherever you may be

BENEFITS

smartBUSINESS is a smart, secure and convenient online transaction platform offering multiple benefits to your business

Global access at no additional investment

Ability to initiate and authorise a wide range of financial and non-financial transactions 24/7

Flexible access setup that can be replicated for other authorised users

Transparent and traceable authorisation tracking

Increased productivity with ability to do multiple transactions on the go

Save time and effort with ability to upload a variety of file formats

More efficient handling of vendor queries

Auto email notification of payment to vendors/employees

Customised exchange rates published and used in the transaction

Simplified account reconciliation

SECURITY & CONTROL

smartBUSINESS access security is controlled through Subscriber ID, User ID and User Password

Setup of authorisation and access profiles can be single/dual controlled

Unique SMS Pin authentication for administration module

Transaction submission and authorisations are secured through use of personalised password

Transactions that are released to the bank for processing use SMS PIN authentication that is unique and simple to use

System Security is ensured through firewalls and 128-bit Data Encryption

Authorisation and access profiles can be set up so only nominated users can access the system on the basis of products, functions, accounts and amounts

Introducing Salary WPS on smartBUSINESS

In line with SAMA/MOL mandate

The Wages Protection System (WPS) has been implemented by SAMA (Saudi Arabian Monetary Agency) and Ministry of Labour (MOL) to provide a secure and efficient mechanism for timely payment of wages to your employees.

smartBUSINESS Salary WPS enables you to execute Salary payment for your employees and view status of the payment on real time basis.

On smartBUSINESS Salary WPS, you will be able to

For any further clarification, please contact our smartBUSINESS Customer Service team on email smartBUSINESSKSA@emiratesnbd.com or Contact: +966112825546 / +966114137542

Initiate payment using file upload and Basket for upto 10 transactions.
Pay in both Local and foreign currency (Account transfer/Other bank)
Bank will process the payments as per the cut off time below:
- Account transfer : 4 pm
- SARIE transfer : 3 pm
- Foreign currency : 4 pm

View and track the status of payment/s online.
Download digitally signed Output Wages file/Salary report with exact status of your payments. This file then has to be submitted to MOL/WPS as confirmation.
- Account transfer payments file will be available on the same day of processing.
- Other bank payments file will be available after 5 working days from processing date.
- Account transfer and Other bank payments (mix records) file will be available after 5 working days from processing date.

System Requirements

For a seamless and secure smartBUSINESS experience, we recommend the following hardware requirements

Processor Speed	500 Mhz or Higher
RAM	64 MB or higher
Communication	Internet Connection through ISDN or ADSL
Operating System	Windows NT/95/98/ME/2000/XP/Vista/Windows7 (English Versions)
Browser	Internet Explorer 5.5 or higher
Screen Resolution	1024 x 768 resolution

Note: It is recommended that you have all the latest security updates from Microsoft windows site

Useful Links

Terms & Conditions

How to apply for smartBUSINESS

How to fill the smartBUSINESS application form

smartBUSINESS - FAQs

Application form (Kindly contact Cash Management Customer Service on +966 (1) 2825569 / 2825546 for assistance in filling up the application form)