Using your debit card | Support | Emirates NBD (2024)

FAQs

What do you mean by debit card answer? ›

A debit card is a card linked to your checking account. It looks like a credit card, but it works differently. The amount of money you can spend on a debit card is determined by the amount of funds in your account, not by a credit limit such as credit cards carry.

Possible reasons your card is not working and what you can do about it: It's expired. We notify you when your card is due to expire and will send you a new one, but if your new card didn't reach you, please call +971 600 54 0000 and we'll send you another one right away. It's not activated.

Tap and pay or withdraw cash easily. You can use any of your Emirates NBD credit or debit cards abroad to make purchases and to withdraw local currency from cash machines.

If your debit card is declined, double-check the entered information (if transacting online) and retry the transaction to see whether it was a soft decline. In case you suspect it is a hard decline, check if: The card has expired or is inactive. You have met your daily purchase limit.

A debit is an accounting entry that creates a decrease in liabilities or an increase in assets. In double-entry bookkeeping, all debits are made on the left side of the ledger and must be offset with corresponding credits on the right side of the ledger.

A debit note, or a debit memo, is a document issued by a seller to a buyer to notify them of current debt obligations. You'll commonly come across these notes in business-to-business transactions — for example, one business may supply another with goods or services before an official invoice is sent.

You can unblock your card the same way by selecting Unblock this card. If your card is temporarily blocked by Emirates NBD's security team, you can't unblock the cards through Online or Mobile banking. You'll need to call +971 600 54 0000 and when prompted say, 'unblock card'.

While you can typically use a debit cards in another country, you may have to pay a foreign transaction fee. Though these fees vary by bank and card issuer, they are usually around 3% of any transaction abroad. In addition, you may be given the option by a merchant to pay in local or U.S. currency.

Eligibility. A minimum average monthly balance of AED 3,000 has to be maintained in the account to avoid charges. Interest calculated on minimum monthly balance and paid half-yearly.

How do I make my debit card work internationally? ›

A debit card may be declined for many reasons, including: Daily or weekly transaction limit has been reached. The account doesn't have enough funds available (e.g. a recent deposit may be on hold) Card details or PIN were entered incorrectly.

The card company may decline the transaction as a precaution. This generally happens when a series of domestic transactions are followed by an international transaction. It is one of the many risk rules that are in place to ensure a safe banking experience.

Offline debit cards have the logos of major credit cards (for example, Visa or Mastercard). These cards connect straight to a person's bank account, but there is a delay before the money is taken out.

A debit is an accounting entry that either increases an asset or expense account. Or decreases a liability or equity account. It is positioned on the left in an accounting entry. A credit is an accounting entry that increases either a liability or equity account.

However, what we must know is that they are two different cards. An ATM card is a PIN-based card, used to transact in ATMs only. While a Debit Card, on the other hand, is a much more multi-functional card. They are accepted for transacting at a lot of places like stores, restaurants, online in addition to ATM.

You can't tell whether a card is associated with a debit or credit account based on numbers alone. Still, you can usually find that out by looking at the card as most of them have a “credit” or “debit” label somewhere on the card.