Retail Accounts

To us, our customer’s convenience and satisfaction is the highest priority. Thats why, we are always working towards innovative products and services that are tailored to suit their every requirement with the greatest degree of flexibility. With highly trained and qualified staff that delivers an incomparable banking experience and a wide network of branches and 24-hour ATMs.

Retail Accounts

Open a Savings account with us and get a simple and hassle-free banking experience that pays monthly interest.

Apply now
about

offer-arrow What do we offer?

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Open account digitally through Al Masraf mobile app

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Free banking with all fees waived

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Zero minimum balance maintenance requirements

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Unmatched rewards on Debit Card with 1% cashback on purchases internationally

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Free transfer of funds internationally

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Free SMS alerts for all account transactions

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Mobile and Internet Banking services

get-started

How to get started?

1

Eligibility

  • right-arrow UAE Nationals
  • right-arrow UAE Residents / Non-Residents
  • right-arrow Age 18 years and above
2

Documents *

  • right-arrow Emirates ID
3

Download the App

  • right-arrow To download click here
  • right-arrow Open your account in matter of minutes using your Emirates ID

Frequently Asked Questions

How does Al Masraf issues Credit Cards?

Please note that Bank issues credit cards subject to meeting AECB, CB UAE guidelines and banks internal credit, risk and compliance policies.

How do I activate my cards & generate PIN?

Cardholder should activate their card and choose their own PIN via our IVR by calling 600 52 9999 to use their card.

What is the limit of Contactless transactions?

Cardholder can do a maximum of 3 without pin contactless transactions per day of 500 each. Post that they can do contactless transaction with Pin. Customer is responsible and liable for all the transactions.

What to do in case of Card Fraud?

Cardholder can call the contact center at 600 52 9999 to report any fraudulent transaction and block their card. Cardholder can submit a dispute form with the details to claim the amount back. A replacement card will be issued to the cardholder.

Banking Made Simple, Anywhere You Need It

Bank anytime, anywhere with our Online Mobile Banking platform, providing secure 24/7 access to your account. Manage and keep track of your finances with ease: pay bills, make secure transfers,manage your cards, all in one place.

Al Masraf Mobile App

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Last updated at 22/07/2026 01:30:10 PM