Over the decades, CBD has transformed into a progressive and modern banking institution. We are supported by a sturdy financial base led by a strong and stable management, as proven by our clients who have stood with us over the years. Today, we offer a full range of financial services to help our customers build and manage their finances.
"Innovation and client focus enables CBD to provide personalized, simple, smart services for better banking."
MY EXPERIENCE WITH RESTORING LOST INVESTMENT FUNDS
I learned an important lesson after investing in what appeared to be a genuine opportunity. Unfortunately, I was unable to access my funds, which reinforced the importance of carrying out thorough due diligence, checking whether an investment is appropriately regulated, and seeking qualified professional advice rather than relying solely on online reviews or testimonials. During the process of addressing my case, I worked with Mrs. Tatiana Sorina , who communicated clearly, provided regular updates, and handled the matter in a professional manner. According to my experience, I have recovered $50,000 so far, while efforts to resolve the remaining balance are still in progress. If you wish to contact her, the details I used are: Mrs. Tatiana Sorina TEXT : ([email protected] )…. Before committing money to any investment, take time to verify the legitimacy of the platform, confirm any relevant regulatory authorisations, and avoid investing more than you can comfortably afford to lose.
ADVANTAGES
DISADVANTAGES
Fraudulent
07-08-2026
William Lucas United States
How I Successfully Recovered My Money
I initially believed I was making a legitimate investment, but when I tried to withdraw my $234,890, I was told to deposit more money. When my calls and messages were ignored, I realized the company was not genuine. After reporting the situation to Mrs. Melissa Gilbert, I provided evidence of the scam, and within three days, I was able to recover my funds. I’m very grateful for the assistance and would recommend reaching out if you find yourself in a similar situation. Contact: Email: [email protected] WhatsApp: +44 (778) 227-6032
ADVANTAGES
DISADVANTAGES
Disappointing
01-05-2026
Vimal United Arab Emirates
Credit Card
There is nothing below 1 star that i can give. Looks like they appointed agent who in pressure of selling card cand do anything.
I took CBD one card from one of the agent and he told me that my payment due will be every 2nd of the month but from March then changed to 30 of the month and charged me interest + late payment fee total costing me around 353.16 AED.
I went back to agent they just raised hand and told to contact Customer care who also not supported.
I had no option then to pay all charges and close my card as cannot work with such intent of ‘No Support’.
We are facing the worst services from the CBD investor section. They are not customer friendly as well as very rude and unprofessional in dealing with customers. Our account gets liquidated without prior notification, and no statement is shared with us. We are from Abu Dhabi, and now they are insisting to come and collecting the money from their main branch in Dubai. We requested an IBAN transfer, which they denied, and also refused to transfer the manager’s cheque to their Abu Dhabi branch. Please avoid this bank at any cost.
If there are 2 worst banks one of them CBD, if one than it’s CBD. Dishonest, hidden charges, unsatisfactory customer service. There are many negative points about this bank, what is the use mentioning of them if they do zero input to resolve them.
ADVANTAGES
DISADVANTAGES
03-11-2025
Ali United Arab Emirates
Bad service go elsewhere
Trashy bank really. Terrible service. Poor products.
Extremely Poor Security and Customer Service – A Nightmare Experience
I’ve had not one, but two horrifying experiences with this bank, and I feel compelled to warn others.
The first incident happened in September 2024. I received an SMS stating I was debited AED 1,500+ — a transaction I never authorized. My hands were shaking with panic as I called the bank immediately. Unfortunately, their customer service line is not toll-free, and I had to go through multiple automated menus for nearly five minutes before I could speak to an agent — far from ideal in an emergency.
The representative informed me that an investigation was required and I would need to wait up to 120 days for a refund. On top of that, they blocked my card and issued a new one — and then charged me for the replacement, even though the fraud was clearly not my fault. I lost my money, had to wait four months to possibly get it back, and was unfairly charged. Friends advised me to switch banks after that experience, but I gave this bank another chance — a decision I now deeply regret.
Then came the second incident in May 2025, just a day after I received my salary. I got several SMS messages with OTPs that I didn’t request — clearly a phishing attempt. I ignored them, but to my shock, I was debited AED 4,366. I called the bank again, this time crying out of frustration and disbelief.
Their response was the same: wait for an investigation. A week later, they called to tell me the transaction wouldn’t be refunded because an OTP was “initiated.” I explained, again, that I never authorized anything, and I certainly didn’t enter any OTP. I’ve become much more cautious after the first incident — I would never fall for such a scam. The agent showed no empathy whatsoever, and I ended the call in tears.
To make matters worse, this same thing happened to a colleague of mine — she lost over AED 6,000 and had to wait 120 days to get it back. She wisely changed banks after that. I should have done the same the first time.
I now live with constant stress and anxiety about my finances. I share this to warn others: if you’re considering opening an account with CBD, don’t. The security measures are weak, the customer service is slow and unhelpful in emergencies, and they treat fraud victims like they’re at fault.
Generally I do not post any comments on google review for anything till date. But the experience i have had from this bank has made me warn other people before thinking of dealing with CBD :
– I took a home loan from CBD and i wanted to go for a Fixed ROI agreement for first 3 years @ 3.25 % considering the market condition in 2021. But the executive suggested me to go for floating and confirmed that after 1st year, they will call to check again if I want to maintain fixed or convert to floating from 2nd year basis the on going market condition. But they changed my ROI to 6.9% from the 2nd year without any intimation through Email or Phone call. when i checked they said as per EBOR rate has changed from 2nd Year. Then after fighting for almost 15 days they agreed to reduce 1.5% and they did not even agree to refund the balance that they have already debited for the months they billed without my consent.
– Later when i had arranged for a buyout from other bank at a much cheaper rate as per the market and called CBD to inform about the same, they said that no need to close now and the market rate will fall by next 3 months and they will try to adjust my ROI accordingly later. And when i called them again after 3 months to negotiate further, they said that the notification has still not come from Central bank. And if i want to reduce my ROI, then i need to have my salary transferred to CBD and then they can try to reduce my ROI. So finally i decided to go for a buyout from the other bank even if i have to pay the 1 time extra charges related to mortgage loan transfer including the evaluation. And with the difference in the ROI of the new bank, i will still recover those extra charges within next 8 months. This is better rather than continuing to pay the high ROI to CBD.
They have no importance to customers requirement. No professionalism at all. I don’t think they have proper training on serving the customers. – They say they will provide a personal assistance manager to call on requirement. But the given manager does not pick up the call nor bothers to call back. Even their Customer Care numbers are hard to reach immediately.
– So i conclude that this is the Worst bank ever to deal with. I’m sharing this to warn others not to open an account with them. They are very unreliable.
ADVANTAGES
DISADVANTAGES
Untrustworthy
03-04-2025
Sharmis d s United Arab Emirates
Fraudulent Transaction on My Credit Card – No Notification, OTP, or Payment Link
Have you experienced CBD card fraud? I Lost around 10,000 AED . Fraudulent Transaction without my consent. No OTP or payment link for verification. No alerts or notifications before the transaction. Lack of security jeopardizes customer safety. Immediate dispute filed with credit card provider but still lost the money. We need Justice and Cyber Security.
I’m not the type of person who usually posts or comments, but this bank is the WORST WORST WORST bank ever in the UAE. I’m sharing this to warn others not to open an account with them. They are unreliable and it’s hard to explain issues because they don’t provide reasons. Some complaints I have:
1. They are not accountable. Their computation is incorrect and they can’t explain it. 2. I tried to request a loan from my credit card, about AED 3000 and then I received double the amount. I called their hotline and told them I will return the excess. After 1 week, I returned the extra 3000, but they still charged me 580 for the interest and 490 for over-limit fee, which is not my fault – it’s a system glitch. The reason I took a loan is because my son is unwell. They are not a good bank; they will not help you. They will put you in jail for paying too much interest and unwanted fees.
I have used CBD credit card and experience was really bad. They charged me fine for no reason and said they can reverse it only if I can spend 6k in two months. Which is ridiculous. I will never use their card again and won’t recommend it to anyone from now on.
ADVANTAGES
DISADVANTAGES
Disappointing
19-02-2025
Rahul Raj India
Credit Card Scam
An online scam of SAR 27500 happened on my credit card on 25th Jan, I immediately blocked the card, raised a complaint and informed the bank of a prompt action to reverse the bank. After two days I requested for a statement to file a complaint to Dubai Police, the CBD executive informed me that the merchandiser has not claimed the amount, so it will not be highlighted on my statement. I got a reply from CBD on 05th Feb 2025 that the case has been closed by informing me that the card was saved on google pay and I authorized the transaction, which was totally unknown for me till then, since I am using the card for online payments. I acted at the same time when the transaction had happened and strongly believed that a prompt action from the bank side could reverse the amount.
ADVANTAGES
DISADVANTAGES
ScamUntrustworthyNot Client-oriented
05-02-2025
Syed Asghar Abbas United Arab Emirates
Miss selling on credit cards
I have been scammed by one of the outsourced agencies who told me that the card is free for life with certain benefits. But I wasn’t informed that there is a minimum spending of 5000 is a must.
Now I’m being chased by the collection dept whom are not responding to my emails and they are increasing the amount.
When called the customer service they also cannot support in this matter to get me to the concerned person.
When calling the collection agency they are not picking the phones.
ADVANTAGES
DISADVANTAGES
DisappointingNot Client-oriented
18-01-2025
Ali Raza Pakistan
Request cbd team
Please solve
ADVANTAGES
DISADVANTAGES
SolidFull Service
Disappointing
21-12-2024
Bachir. Lebanon
Unjustified charges
Unfortunately once i activated the CBD credit Card, i used it on an online transaction, i got surprised once i got charged 206 AED extra, upon investigation i found thats what they call a foreign transaction fee, i decided not to use the card anymore, after few day i went to the bank to pay the outstanding balance to get another surprise that i got charged for another 210 AED Surprisingly no one was able to justify this ew FEE this tine, not the customer service agent nor even the branch manager, no body knows why, been advised by the bank to contact customer service phone banking, I’ve been calling for the last 2 days, none sense calls.. They claim all agents are busy and they will call back, no body call back of course, emails? No replies as well… Im just wondering, how such organization could be exist….
ADVANTAGES
DISADVANTAGES
HorribleMiserableTerrible
30-10-2024
Avinash Lama United Arab Emirates
Customer Service
All our customer service agents are busy, I am listening the same for 1 hr?? There is no way you can contact the bank for any services.
I am extremely disappointed with the service I’ve received from CBD. I’ve been living in Dubai since November 2021, using the same bank account for all my transactions. Initially, everything was fine—I received my salary card promptly, and it worked without issue. However, about a year later, I started noticing a charge of 24 AED for not maintaining a minimum balance, which was concerning but somewhat I didn’t mind at all.
However, starting in January 2024, I began getting charged 105 AED for not maintaining a minimum balance, despite keeping less than 5,000 AED in the account, as it was being used, sent to someone, or transferred to another card. Even when I left 10,000 AED in February, I was still charged the 105 AED fee. My colleagues, who use the same bank, haven’t faced these charges even though they maintain similar balances.
In March and April, I tried to resolve the issue by contacting CBD. I attempted to connect with a live agent through the app and called the hotline, which directed me to visit a branch. Upon arrival, the branch manager informed me they couldn’t close my account due to a pending balance, which was for a flight payment the next day, as we were relocating. They claimed that I have been charge for minimum balance because the transaction of how my company transfer my salary process, is somewhat same like transferring money to your friend. It does not show that it is a money for salary despite many of my colleagues using the same bank without problems. And, our company has over 200+ employees and more or less 50+ people uses CBD, they’re idea is ridiculous our finance team will not be sending individually money to us.
I was advised to email customer care to close my account which I did, but after leaving Dubai and emptying the account, I was still charged the 105 AED fee each month. Despite multiple emails, visits, and calls, the issue remains unresolved. Now It’s September I’m -420 AED in Debt!
This has been a horrendous experience, and I haven’t received a single reply to my emails. What more can I do to stop this? The service is absolutely unacceptable!
I recently had a frustrating experience with Bank CBD regarding the reduction of my card limit and the process of closing my account. Despite multiple attempts to resolve these issues, the customer service team was slow to respond and unhelpful throughout the process.
It took an unreasonably long time to reduce my card limit, with repeated delays and miscommunication from the bank. Even after following all the necessary steps, I was left waiting without any clear updates or resolution.
When I decided to close my account, I encountered the same poor service. The process was drawn out, and I felt like I was being given the runaround rather than being assisted in a timely manner.
Overall, my experience with Bank CBD’s customer service has been disappointing. I expected more efficiency and support from a financial institution, and I hope they address these issues to improve their service for other customers
ADVANTAGES
DISADVANTAGES
ScamUnprofessionalNot Client-oriented
31-08-2024
LEE Philippines
i got autodebit of 500AED!!! sucking up my money
im using this CBD for like how many years and i have no complain before.. but now i got the worst thing happen to me i got deduction of 500++ AED!! and im not aware what is that.. event my credit card i have a advanace payment… and the online hotline and they bot in their site are so useless..
THIS BANK DOESN`T EVEN DESERVE A 1 STAR! WORST BANK! WORST CUSTOMER SERVICE. THERE IS SOME AMOUNT THAT IS SUDDENLY GONE/MISSING FROM MY ACCOUNT. EXAMPLE, I ONLY PURCHASED 100 USING THIS CBD CARD, AFTER I CHECKED THE BALANCE, THOUGH THE AMOUNT DEDUCTED IS STILL 100, IT`S NOT TALLIED WITH MY SUPPOSED TO BE BALANCE AFTER DEDUCTING 100. THIS BANK ARE STEALING MONEY FROM THEIR CONSUMER. I HAVE TRIED TO COMMUNICATE WITH THEIR CUSTOMER SERVICE FOR OVER A MONTH NOW, AND STILL I HAVEN`T RECEIVED ANY UPDATE! THIS BANK DOESN`T EVEN DESERVE 1 STAR. WE ARE ALL WORKING HARD HERE AND OUR HARD EARNED MONEY SUDDENLY GONE FROM THIS BANK, REGARDLESS THE AMOUNT, THE AMOUNT IS OURS!
Unfortunately, my experience with your credit card has been nothing short of catastrophic, prompting me to share this review as a cautionary tale for others.
To begin with, I have found the customer service provided by CBD to be grossly inadequate. Despite my repeated attempts to contact your toll-free number over the past three days, I have been met with continuous disconnection messages and an unhelpful announcement stating that the line is busy. As a customer relying on a dedicated toll-free number for essential banking services, I find this level of inaccessibility and inefficiency utterly unacceptable. Furthermore, the limited operating hours of your call centre until 5 pm and the absence of alternative support options within the CBD app only compound the inconvenience faced by customers like myself.
Moreover, the discrepancies in the monthly statements issued by CBD have added further confusion and frustration to my experience. The inaccuracies in calculating the total outstanding amount to be paid, erroneously including previous month’s payments along with current expenses, reflect a lack of attention to detail and quality control that is alarming for a financial institution of your stature. Additionally, the inflexibility demonstrated by CBD in refusing to allow customers the option to change their statement date speaks volumes about the disregard for customer satisfaction and convenience.
In light of these numerous and egregious shortcomings in your service provision, I regret to say that my overall impression of CBD is overwhelmingly negative. As a conscientious consumer, I feel compelled to urge others to exercise caution and consider alternative options before proceeding with CBD for their financial needs. The accumulation of these negative experiences has unfortunately left me with no choice but to terminate my association with CBD.
I tried calling call center but everytine it is on hold for hours. Now i called for 40 minutes, it is chargeable call and charge is more than 100 dirhams, so please help.
If i will not cancel the card there will be charges, finding someways to register complain in UAE Center Bank
ALWAYS WAITING, WAITING, ON HOLD, MOTE THAN 20 TO 30 MINUTES ON HOLD SAYING THAT AGENTS ARE BUSY. EVEN 30 MINUTES YOU WILL NOT BE CONNECTED TO AN AGENTS. NO CHANCE OF TALKING TO THEM TO RESOLVE YOUR PROBLEM.. TRIED 5 TIMES CALLING BUT UNABLE TO CONNECT. THEN AN OPTION SAYING PRESS 1 FOR CALL BACK, EVEN PRESSING NUMBER 1. NO ONE IS CALLING BACK!!?
Believe it or not but this is the most recurring bad customer service example. Your clients don’t want to wait for hours to get in touch with you. You need to be there for them when they need you. Call CBD customer services many times since last month but no luck and simply wasting time and money 😕
ADVANTAGES
DISADVANTAGES
Horrible
15-04-2024
SWAPNIL DHOTRE United Arab Emirates
Worst Bank Ever In UAE
Bank just assist to consume money of the customer, they make sure ever customer pays them double then what they deposit, wether u closed your account or you don’t! They will still debit you, worst customer service! They can’t assist! I never recommend this bank to any1 in UAE! Best bank LIV digital! Use there banking options they are far more advanced then CBD, CBD is poor in banks!
Very Very poor bad managing system about everything there managing system sleeping for longer they don’t care what happens customers i don’t know who’s fools lazzi gay owned this stupid bank🤮
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DISADVANTAGES
DirtyFakeRudeScamUnprofessionalUntrustworthy
29-03-2024
Lama United Arab Emirates
worst bank
Worst bank ever, and worst experience. I got scammed and they didn’t help me to get my money back. Additionally, they take higher charges than other banks, and their app is not user friendly. even if you call the bank to ask for help its very complicated and no one helps you out.
ADVANTAGES
DISADVANTAGES
22-02-2024
Kingslin Jacob United Arab Emirates
worst bank ever – CBD
Online Transaction credited after 5 days after a huge struggle with customer care. if someone is sending money online for an urgency if it credit after 5 days means what is the use of Banking. Very Horrible
Very bad bank commercial bank dubai not good security someone hack my account and took my money then bank Said we are not responsible about your money and this money never refund Please don’t trust this bank.mr majid choddery chef of bank talk to me by mobile and talk to me very roud and threat me goto police or do whatever you want but we are not give you back money..I m tired to calls police but police also cannot ready to accept my case..
ADVANTAGES
DISADVANTAGES
Fake
06-11-2023
Josphat Macharia Kenya
Not secure
I wish I read reviews before opening an account with this bank, I got a deduction of Aed 2, 457 and I didn’t not even receive an OTP, I called the bank to block and dispute the transaction and still it was transferred, now I have to wait for 120 working days for my dispute to be processed. How unsecured can a bank be? Am so disappointed by their service.
Their stuff not good , the Service is very slow , if they need you they will be behind you , but once they reach the target , no body will answer your call or do anything for you… I’m disappointed with this kind of service
ADVANTAGES
DISADVANTAGES
Disappointing
13-09-2023
Hazel Arconada Philippines
Remittance
Remittance sent (16/06/23) and still not reflected on the receiver’s account until now (22/06/23)
Chatted with several live agents who cant assist, calling hotline 5 minutes prompts. Still not fixed.
Worst bank ever and worst customer service! While i was putting my money on the atm it got stuck and then they didnt do anything Customer service is so bad theu dont even care
I have requested my credit card cancellation though phone banking. But they are never giving and documentation/ message/ mail to say that they have cancelled my card ending 4820.
ADVANTAGES
DISADVANTAGES
Misleading
01-06-2023
Adhil Abdu Raheem Kizhinjalil India
BAD SERVICE ever.
By ads. Zero Balance Account, But Chargable and bad customer support. Even though we make transactions every month for more than 5000 AED, still deduct minimum average balance charges that are very huge for normal people. I recommend and refer my friend and relatives in the beginning stage. But I didn’t get any referral commission but they advertised they will. No proper information. Everything on hidden. Not trustworthy. Not for normal people those who have a minimum salary. I contacted the Branch for the closure of my account, they say our office timing until 3.30 pm you should come directly to the branch for the closure. there is no other service available. Most of the people working duty until 6 pm. there is no other option unless taking a leave from work to visit the branch. I didn’t feel it is convenient for all users/customers.
Bad inline customer service, when I call their toll line it’s all automatic. Hard to understand and no direct customer service option.
I tried several times to contact and get InTouch to a customer service but it’s all programmed. This live me unable to address my through challenges. Poor customer service and it’s so costly and consuming. Also when I contact on email no one responded. I dislike their service, and also their banking branches are inconvenient
ADVANTAGES
DISADVANTAGES
Disappointing
24-04-2023
Johannes Thome Germany
Answering questions
I send three messages and they never answered on my simple questions.
Dear CBD, Unfortunately one of your Hidden Charges Bring Me Trouble, Due To Hidden Charges, Bank Charges Money , and Your Bank Excetive Inform Me, Because Of Zero Balance, You Put My Account Nigetive, and Put Too Much Fine, I Have Request, Please Refund My Money what already you deducted, and clear my account, i really need my account, from long time i cant send money to my home country, and the money you deduct, thats my food money, i really feel bed,, i lose my money
ADVANTAGES
DISADVANTAGES
Excellent
Unpleasant
30-10-2022
Jiji United Arab Emirates
Credit card payment
They email you everday every hour with threats of legal actions/travel ban. despite responding that I have the intention to repay them. As if Im talking to a wall. Doesnt agree on arrangement for payment terms.
I transferred 2346 AED to my mom but it has been 27 days they didn’t receive in indian bank the Indian bank staff show all the statement there is no transfer of this amount but when I sent them again 23 AED to checking its transfered in their account very fast. In these 27 days I feel very stress I always calling CBD customer service for the money back but they always saying that we are working on it. At least after 27 days I get back my money but only 2285.50 AED they deduct 60 AED I don’t know for what so I lost my 60 AED now I am afraid to transfer my money to anyone from CBD NET BANKING SYSTEM.. it was very bad experience.
ADVANTAGES
DISADVANTAGES
Untrustworthy
04-08-2022
Kabeer United Arab Emirates
Cutomer care
i tried to reach customer care for more than 5-6 days but it never connected. put me on hold for 15 minutes everytime.
ADVANTAGES
DISADVANTAGES
DisappointingHorribleMiserable
02-08-2022
Monica Garcia United Arab Emirates
International transfer
I never write reviews, but I will, with constructive purpose and in the hope who ever is on charge of customer care of the bank does the job is payed for: provide customer care service. I have executed on the app an international transfer on May 17. On May 19 I call the bank because I saw the money was not deduced. On May 21 I went to the branch and raised a complain. On Monday 23 still all same. On Tuesday 24 I put another complain, then they deducted the money on 24th. Today is 26 of May, I have not received the email with the swift copy. I have called the bank and all I get is a verbal don’t worry is all ok. I find this far from a banking basic standard. I just opened the account and if this is gonna be a saga like this I better move my money to another bank. Because this bank holds the name Dubai, but service is far for what Dubai Stands.
I was interested in this credit card because I had heard nice things about it from my friends. It was delivered to me three days after I applied for it, and I received a 5% cashback when I tried it out at an online business!! What a wonderful card!
ADVANTAGES
DISADVANTAGES
AmazingProfessional
23-05-2022
Sana | Verified United Arab Emirates
Exemplary
I wanted to create an account at this bank, so I went there. The service was friendly and helpful, and my account was opened in just two days! It was an incredible adventure.
ADVANTAGES
DISADVANTAGES
AmazingImpressive
09-02-2022
Sayeera | Verified United Arab Emirates
Satisfying
I went to this bank because I wanted to open an account. The staff was courteous and efficient, opening my account in only two days! It was a fantastic experience.
ADVANTAGES
DISADVANTAGES
AmazingFantastic
03-02-2022
Blackwell | Verified United Arab Emirates
Amazing online banking service
The online banking service provided by this bank is extremely amazing. Also, the process of transferring money was a very easy one with this service.
ADVANTAGES
DISADVANTAGES
AmazingPerfect
11-11-2021
Coleen | Verified United Arab Emirates
Fast account opening!
I wanted to open an account so I went to this bank. The staff was professional as they opened the account for me within two days only! Totally satisfying experience.
ADVANTAGES
DISADVANTAGES
FastPerfect
27-10-2021
Nicolai | Verified United Arab Emirates
Perfect APP
Their application is really very perfect. I can transfer money easily on it and also check my account balance. It is a very fast, convenient, and informative app.
ADVANTAGES
DISADVANTAGES
ConvenientFastPerfect
20-04-2021
Ad
Reviews
Russell Hornsby United Arab Emirates
MY EXPERIENCE WITH RESTORING LOST INVESTMENT FUNDS
I learned an important lesson after investing in what appeared to be a genuine opportunity. Unfortunately, I was unable to access my funds, which reinforced the importance of carrying out thorough due diligence, checking whether an investment is appropriately regulated, and seeking qualified professional advice rather than relying solely on online reviews or testimonials. During the process of addressing my case, I worked with Mrs. Tatiana Sorina , who communicated clearly, provided regular updates, and handled the matter in a professional manner. According to my experience, I have recovered $50,000 so far, while efforts to resolve the remaining balance are still in progress. If you wish to contact her, the details I used are: Mrs. Tatiana Sorina TEXT : ([email protected] )…. Before committing money to any investment, take time to verify the legitimacy of the platform, confirm any relevant regulatory authorisations, and avoid investing more than you can comfortably afford to lose.
ADVANTAGES
DISADVANTAGES
Fraudulent
07-08-2026
William Lucas United States
How I Successfully Recovered My Money
I initially believed I was making a legitimate investment, but when I tried to withdraw my $234,890, I was told to deposit more money. When my calls and messages were ignored, I realized the company was not genuine. After reporting the situation to Mrs. Melissa Gilbert, I provided evidence of the scam, and within three days, I was able to recover my funds. I’m very grateful for the assistance and would recommend reaching out if you find yourself in a similar situation. Contact: Email: [email protected] WhatsApp: +44 (778) 227-6032
ADVANTAGES
DISADVANTAGES
Disappointing
01-05-2026
Vimal United Arab Emirates
Credit Card
There is nothing below 1 star that i can give. Looks like they appointed agent who in pressure of selling card cand do anything.
I took CBD one card from one of the agent and he told me that my payment due will be every 2nd of the month but from March then changed to 30 of the month and charged me interest + late payment fee total costing me around 353.16 AED.
I went back to agent they just raised hand and told to contact Customer care who also not supported.
I had no option then to pay all charges and close my card as cannot work with such intent of ‘No Support’.
We are facing the worst services from the CBD investor section. They are not customer friendly as well as very rude and unprofessional in dealing with customers. Our account gets liquidated without prior notification, and no statement is shared with us. We are from Abu Dhabi, and now they are insisting to come and collecting the money from their main branch in Dubai. We requested an IBAN transfer, which they denied, and also refused to transfer the manager’s cheque to their Abu Dhabi branch. Please avoid this bank at any cost.
If there are 2 worst banks one of them CBD, if one than it’s CBD. Dishonest, hidden charges, unsatisfactory customer service. There are many negative points about this bank, what is the use mentioning of them if they do zero input to resolve them.
ADVANTAGES
DISADVANTAGES
03-11-2025
Ali United Arab Emirates
Bad service go elsewhere
Trashy bank really. Terrible service. Poor products.
Extremely Poor Security and Customer Service – A Nightmare Experience
I’ve had not one, but two horrifying experiences with this bank, and I feel compelled to warn others.
The first incident happened in September 2024. I received an SMS stating I was debited AED 1,500+ — a transaction I never authorized. My hands were shaking with panic as I called the bank immediately. Unfortunately, their customer service line is not toll-free, and I had to go through multiple automated menus for nearly five minutes before I could speak to an agent — far from ideal in an emergency.
The representative informed me that an investigation was required and I would need to wait up to 120 days for a refund. On top of that, they blocked my card and issued a new one — and then charged me for the replacement, even though the fraud was clearly not my fault. I lost my money, had to wait four months to possibly get it back, and was unfairly charged. Friends advised me to switch banks after that experience, but I gave this bank another chance — a decision I now deeply regret.
Then came the second incident in May 2025, just a day after I received my salary. I got several SMS messages with OTPs that I didn’t request — clearly a phishing attempt. I ignored them, but to my shock, I was debited AED 4,366. I called the bank again, this time crying out of frustration and disbelief.
Their response was the same: wait for an investigation. A week later, they called to tell me the transaction wouldn’t be refunded because an OTP was “initiated.” I explained, again, that I never authorized anything, and I certainly didn’t enter any OTP. I’ve become much more cautious after the first incident — I would never fall for such a scam. The agent showed no empathy whatsoever, and I ended the call in tears.
To make matters worse, this same thing happened to a colleague of mine — she lost over AED 6,000 and had to wait 120 days to get it back. She wisely changed banks after that. I should have done the same the first time.
I now live with constant stress and anxiety about my finances. I share this to warn others: if you’re considering opening an account with CBD, don’t. The security measures are weak, the customer service is slow and unhelpful in emergencies, and they treat fraud victims like they’re at fault.
Generally I do not post any comments on google review for anything till date. But the experience i have had from this bank has made me warn other people before thinking of dealing with CBD :
– I took a home loan from CBD and i wanted to go for a Fixed ROI agreement for first 3 years @ 3.25 % considering the market condition in 2021. But the executive suggested me to go for floating and confirmed that after 1st year, they will call to check again if I want to maintain fixed or convert to floating from 2nd year basis the on going market condition. But they changed my ROI to 6.9% from the 2nd year without any intimation through Email or Phone call. when i checked they said as per EBOR rate has changed from 2nd Year. Then after fighting for almost 15 days they agreed to reduce 1.5% and they did not even agree to refund the balance that they have already debited for the months they billed without my consent.
– Later when i had arranged for a buyout from other bank at a much cheaper rate as per the market and called CBD to inform about the same, they said that no need to close now and the market rate will fall by next 3 months and they will try to adjust my ROI accordingly later. And when i called them again after 3 months to negotiate further, they said that the notification has still not come from Central bank. And if i want to reduce my ROI, then i need to have my salary transferred to CBD and then they can try to reduce my ROI. So finally i decided to go for a buyout from the other bank even if i have to pay the 1 time extra charges related to mortgage loan transfer including the evaluation. And with the difference in the ROI of the new bank, i will still recover those extra charges within next 8 months. This is better rather than continuing to pay the high ROI to CBD.
They have no importance to customers requirement. No professionalism at all. I don’t think they have proper training on serving the customers. – They say they will provide a personal assistance manager to call on requirement. But the given manager does not pick up the call nor bothers to call back. Even their Customer Care numbers are hard to reach immediately.
– So i conclude that this is the Worst bank ever to deal with. I’m sharing this to warn others not to open an account with them. They are very unreliable.
ADVANTAGES
DISADVANTAGES
Untrustworthy
03-04-2025
Sharmis d s United Arab Emirates
Fraudulent Transaction on My Credit Card – No Notification, OTP, or Payment Link
Have you experienced CBD card fraud? I Lost around 10,000 AED . Fraudulent Transaction without my consent. No OTP or payment link for verification. No alerts or notifications before the transaction. Lack of security jeopardizes customer safety. Immediate dispute filed with credit card provider but still lost the money. We need Justice and Cyber Security.
I’m not the type of person who usually posts or comments, but this bank is the WORST WORST WORST bank ever in the UAE. I’m sharing this to warn others not to open an account with them. They are unreliable and it’s hard to explain issues because they don’t provide reasons. Some complaints I have:
1. They are not accountable. Their computation is incorrect and they can’t explain it. 2. I tried to request a loan from my credit card, about AED 3000 and then I received double the amount. I called their hotline and told them I will return the excess. After 1 week, I returned the extra 3000, but they still charged me 580 for the interest and 490 for over-limit fee, which is not my fault – it’s a system glitch. The reason I took a loan is because my son is unwell. They are not a good bank; they will not help you. They will put you in jail for paying too much interest and unwanted fees.
I have used CBD credit card and experience was really bad. They charged me fine for no reason and said they can reverse it only if I can spend 6k in two months. Which is ridiculous. I will never use their card again and won’t recommend it to anyone from now on.
ADVANTAGES
DISADVANTAGES
Disappointing
19-02-2025
Rahul Raj India
Credit Card Scam
An online scam of SAR 27500 happened on my credit card on 25th Jan, I immediately blocked the card, raised a complaint and informed the bank of a prompt action to reverse the bank. After two days I requested for a statement to file a complaint to Dubai Police, the CBD executive informed me that the merchandiser has not claimed the amount, so it will not be highlighted on my statement. I got a reply from CBD on 05th Feb 2025 that the case has been closed by informing me that the card was saved on google pay and I authorized the transaction, which was totally unknown for me till then, since I am using the card for online payments. I acted at the same time when the transaction had happened and strongly believed that a prompt action from the bank side could reverse the amount.
ADVANTAGES
DISADVANTAGES
ScamUntrustworthyNot Client-oriented
05-02-2025
Syed Asghar Abbas United Arab Emirates
Miss selling on credit cards
I have been scammed by one of the outsourced agencies who told me that the card is free for life with certain benefits. But I wasn’t informed that there is a minimum spending of 5000 is a must.
Now I’m being chased by the collection dept whom are not responding to my emails and they are increasing the amount.
When called the customer service they also cannot support in this matter to get me to the concerned person.
When calling the collection agency they are not picking the phones.
ADVANTAGES
DISADVANTAGES
DisappointingNot Client-oriented
18-01-2025
Ali Raza Pakistan
Request cbd team
Please solve
ADVANTAGES
DISADVANTAGES
SolidFull Service
Disappointing
21-12-2024
Bachir. Lebanon
Unjustified charges
Unfortunately once i activated the CBD credit Card, i used it on an online transaction, i got surprised once i got charged 206 AED extra, upon investigation i found thats what they call a foreign transaction fee, i decided not to use the card anymore, after few day i went to the bank to pay the outstanding balance to get another surprise that i got charged for another 210 AED Surprisingly no one was able to justify this ew FEE this tine, not the customer service agent nor even the branch manager, no body knows why, been advised by the bank to contact customer service phone banking, I’ve been calling for the last 2 days, none sense calls.. They claim all agents are busy and they will call back, no body call back of course, emails? No replies as well… Im just wondering, how such organization could be exist….
ADVANTAGES
DISADVANTAGES
HorribleMiserableTerrible
30-10-2024
Avinash Lama United Arab Emirates
Customer Service
All our customer service agents are busy, I am listening the same for 1 hr?? There is no way you can contact the bank for any services.
I am extremely disappointed with the service I’ve received from CBD. I’ve been living in Dubai since November 2021, using the same bank account for all my transactions. Initially, everything was fine—I received my salary card promptly, and it worked without issue. However, about a year later, I started noticing a charge of 24 AED for not maintaining a minimum balance, which was concerning but somewhat I didn’t mind at all.
However, starting in January 2024, I began getting charged 105 AED for not maintaining a minimum balance, despite keeping less than 5,000 AED in the account, as it was being used, sent to someone, or transferred to another card. Even when I left 10,000 AED in February, I was still charged the 105 AED fee. My colleagues, who use the same bank, haven’t faced these charges even though they maintain similar balances.
In March and April, I tried to resolve the issue by contacting CBD. I attempted to connect with a live agent through the app and called the hotline, which directed me to visit a branch. Upon arrival, the branch manager informed me they couldn’t close my account due to a pending balance, which was for a flight payment the next day, as we were relocating. They claimed that I have been charge for minimum balance because the transaction of how my company transfer my salary process, is somewhat same like transferring money to your friend. It does not show that it is a money for salary despite many of my colleagues using the same bank without problems. And, our company has over 200+ employees and more or less 50+ people uses CBD, they’re idea is ridiculous our finance team will not be sending individually money to us.
I was advised to email customer care to close my account which I did, but after leaving Dubai and emptying the account, I was still charged the 105 AED fee each month. Despite multiple emails, visits, and calls, the issue remains unresolved. Now It’s September I’m -420 AED in Debt!
This has been a horrendous experience, and I haven’t received a single reply to my emails. What more can I do to stop this? The service is absolutely unacceptable!
I recently had a frustrating experience with Bank CBD regarding the reduction of my card limit and the process of closing my account. Despite multiple attempts to resolve these issues, the customer service team was slow to respond and unhelpful throughout the process.
It took an unreasonably long time to reduce my card limit, with repeated delays and miscommunication from the bank. Even after following all the necessary steps, I was left waiting without any clear updates or resolution.
When I decided to close my account, I encountered the same poor service. The process was drawn out, and I felt like I was being given the runaround rather than being assisted in a timely manner.
Overall, my experience with Bank CBD’s customer service has been disappointing. I expected more efficiency and support from a financial institution, and I hope they address these issues to improve their service for other customers
ADVANTAGES
DISADVANTAGES
ScamUnprofessionalNot Client-oriented
31-08-2024
LEE Philippines
i got autodebit of 500AED!!! sucking up my money
im using this CBD for like how many years and i have no complain before.. but now i got the worst thing happen to me i got deduction of 500++ AED!! and im not aware what is that.. event my credit card i have a advanace payment… and the online hotline and they bot in their site are so useless..
THIS BANK DOESN`T EVEN DESERVE A 1 STAR! WORST BANK! WORST CUSTOMER SERVICE. THERE IS SOME AMOUNT THAT IS SUDDENLY GONE/MISSING FROM MY ACCOUNT. EXAMPLE, I ONLY PURCHASED 100 USING THIS CBD CARD, AFTER I CHECKED THE BALANCE, THOUGH THE AMOUNT DEDUCTED IS STILL 100, IT`S NOT TALLIED WITH MY SUPPOSED TO BE BALANCE AFTER DEDUCTING 100. THIS BANK ARE STEALING MONEY FROM THEIR CONSUMER. I HAVE TRIED TO COMMUNICATE WITH THEIR CUSTOMER SERVICE FOR OVER A MONTH NOW, AND STILL I HAVEN`T RECEIVED ANY UPDATE! THIS BANK DOESN`T EVEN DESERVE 1 STAR. WE ARE ALL WORKING HARD HERE AND OUR HARD EARNED MONEY SUDDENLY GONE FROM THIS BANK, REGARDLESS THE AMOUNT, THE AMOUNT IS OURS!
Unfortunately, my experience with your credit card has been nothing short of catastrophic, prompting me to share this review as a cautionary tale for others.
To begin with, I have found the customer service provided by CBD to be grossly inadequate. Despite my repeated attempts to contact your toll-free number over the past three days, I have been met with continuous disconnection messages and an unhelpful announcement stating that the line is busy. As a customer relying on a dedicated toll-free number for essential banking services, I find this level of inaccessibility and inefficiency utterly unacceptable. Furthermore, the limited operating hours of your call centre until 5 pm and the absence of alternative support options within the CBD app only compound the inconvenience faced by customers like myself.
Moreover, the discrepancies in the monthly statements issued by CBD have added further confusion and frustration to my experience. The inaccuracies in calculating the total outstanding amount to be paid, erroneously including previous month’s payments along with current expenses, reflect a lack of attention to detail and quality control that is alarming for a financial institution of your stature. Additionally, the inflexibility demonstrated by CBD in refusing to allow customers the option to change their statement date speaks volumes about the disregard for customer satisfaction and convenience.
In light of these numerous and egregious shortcomings in your service provision, I regret to say that my overall impression of CBD is overwhelmingly negative. As a conscientious consumer, I feel compelled to urge others to exercise caution and consider alternative options before proceeding with CBD for their financial needs. The accumulation of these negative experiences has unfortunately left me with no choice but to terminate my association with CBD.
I tried calling call center but everytine it is on hold for hours. Now i called for 40 minutes, it is chargeable call and charge is more than 100 dirhams, so please help.
If i will not cancel the card there will be charges, finding someways to register complain in UAE Center Bank
ALWAYS WAITING, WAITING, ON HOLD, MOTE THAN 20 TO 30 MINUTES ON HOLD SAYING THAT AGENTS ARE BUSY. EVEN 30 MINUTES YOU WILL NOT BE CONNECTED TO AN AGENTS. NO CHANCE OF TALKING TO THEM TO RESOLVE YOUR PROBLEM.. TRIED 5 TIMES CALLING BUT UNABLE TO CONNECT. THEN AN OPTION SAYING PRESS 1 FOR CALL BACK, EVEN PRESSING NUMBER 1. NO ONE IS CALLING BACK!!?
Believe it or not but this is the most recurring bad customer service example. Your clients don’t want to wait for hours to get in touch with you. You need to be there for them when they need you. Call CBD customer services many times since last month but no luck and simply wasting time and money 😕
ADVANTAGES
DISADVANTAGES
Horrible
15-04-2024
SWAPNIL DHOTRE United Arab Emirates
Worst Bank Ever In UAE
Bank just assist to consume money of the customer, they make sure ever customer pays them double then what they deposit, wether u closed your account or you don’t! They will still debit you, worst customer service! They can’t assist! I never recommend this bank to any1 in UAE! Best bank LIV digital! Use there banking options they are far more advanced then CBD, CBD is poor in banks!
Very Very poor bad managing system about everything there managing system sleeping for longer they don’t care what happens customers i don’t know who’s fools lazzi gay owned this stupid bank🤮
ADVANTAGES
DISADVANTAGES
DirtyFakeRudeScamUnprofessionalUntrustworthy
29-03-2024
Lama United Arab Emirates
worst bank
Worst bank ever, and worst experience. I got scammed and they didn’t help me to get my money back. Additionally, they take higher charges than other banks, and their app is not user friendly. even if you call the bank to ask for help its very complicated and no one helps you out.
ADVANTAGES
DISADVANTAGES
22-02-2024
Kingslin Jacob United Arab Emirates
worst bank ever – CBD
Online Transaction credited after 5 days after a huge struggle with customer care. if someone is sending money online for an urgency if it credit after 5 days means what is the use of Banking. Very Horrible
Very bad bank commercial bank dubai not good security someone hack my account and took my money then bank Said we are not responsible about your money and this money never refund Please don’t trust this bank.mr majid choddery chef of bank talk to me by mobile and talk to me very roud and threat me goto police or do whatever you want but we are not give you back money..I m tired to calls police but police also cannot ready to accept my case..
ADVANTAGES
DISADVANTAGES
Fake
06-11-2023
Josphat Macharia Kenya
Not secure
I wish I read reviews before opening an account with this bank, I got a deduction of Aed 2, 457 and I didn’t not even receive an OTP, I called the bank to block and dispute the transaction and still it was transferred, now I have to wait for 120 working days for my dispute to be processed. How unsecured can a bank be? Am so disappointed by their service.
Their stuff not good , the Service is very slow , if they need you they will be behind you , but once they reach the target , no body will answer your call or do anything for you… I’m disappointed with this kind of service
ADVANTAGES
DISADVANTAGES
Disappointing
13-09-2023
Hazel Arconada Philippines
Remittance
Remittance sent (16/06/23) and still not reflected on the receiver’s account until now (22/06/23)
Chatted with several live agents who cant assist, calling hotline 5 minutes prompts. Still not fixed.
Worst bank ever and worst customer service! While i was putting my money on the atm it got stuck and then they didnt do anything Customer service is so bad theu dont even care
I have requested my credit card cancellation though phone banking. But they are never giving and documentation/ message/ mail to say that they have cancelled my card ending 4820.
ADVANTAGES
DISADVANTAGES
Misleading
01-06-2023
Adhil Abdu Raheem Kizhinjalil India
BAD SERVICE ever.
By ads. Zero Balance Account, But Chargable and bad customer support. Even though we make transactions every month for more than 5000 AED, still deduct minimum average balance charges that are very huge for normal people. I recommend and refer my friend and relatives in the beginning stage. But I didn’t get any referral commission but they advertised they will. No proper information. Everything on hidden. Not trustworthy. Not for normal people those who have a minimum salary. I contacted the Branch for the closure of my account, they say our office timing until 3.30 pm you should come directly to the branch for the closure. there is no other service available. Most of the people working duty until 6 pm. there is no other option unless taking a leave from work to visit the branch. I didn’t feel it is convenient for all users/customers.
Bad inline customer service, when I call their toll line it’s all automatic. Hard to understand and no direct customer service option.
I tried several times to contact and get InTouch to a customer service but it’s all programmed. This live me unable to address my through challenges. Poor customer service and it’s so costly and consuming. Also when I contact on email no one responded. I dislike their service, and also their banking branches are inconvenient
ADVANTAGES
DISADVANTAGES
Disappointing
24-04-2023
Johannes Thome Germany
Answering questions
I send three messages and they never answered on my simple questions.
Dear CBD, Unfortunately one of your Hidden Charges Bring Me Trouble, Due To Hidden Charges, Bank Charges Money , and Your Bank Excetive Inform Me, Because Of Zero Balance, You Put My Account Nigetive, and Put Too Much Fine, I Have Request, Please Refund My Money what already you deducted, and clear my account, i really need my account, from long time i cant send money to my home country, and the money you deduct, thats my food money, i really feel bed,, i lose my money
ADVANTAGES
DISADVANTAGES
Excellent
Unpleasant
30-10-2022
Jiji United Arab Emirates
Credit card payment
They email you everday every hour with threats of legal actions/travel ban. despite responding that I have the intention to repay them. As if Im talking to a wall. Doesnt agree on arrangement for payment terms.
I transferred 2346 AED to my mom but it has been 27 days they didn’t receive in indian bank the Indian bank staff show all the statement there is no transfer of this amount but when I sent them again 23 AED to checking its transfered in their account very fast. In these 27 days I feel very stress I always calling CBD customer service for the money back but they always saying that we are working on it. At least after 27 days I get back my money but only 2285.50 AED they deduct 60 AED I don’t know for what so I lost my 60 AED now I am afraid to transfer my money to anyone from CBD NET BANKING SYSTEM.. it was very bad experience.
ADVANTAGES
DISADVANTAGES
Untrustworthy
04-08-2022
Kabeer United Arab Emirates
Cutomer care
i tried to reach customer care for more than 5-6 days but it never connected. put me on hold for 15 minutes everytime.
ADVANTAGES
DISADVANTAGES
DisappointingHorribleMiserable
02-08-2022
Monica Garcia United Arab Emirates
International transfer
I never write reviews, but I will, with constructive purpose and in the hope who ever is on charge of customer care of the bank does the job is payed for: provide customer care service. I have executed on the app an international transfer on May 17. On May 19 I call the bank because I saw the money was not deduced. On May 21 I went to the branch and raised a complain. On Monday 23 still all same. On Tuesday 24 I put another complain, then they deducted the money on 24th. Today is 26 of May, I have not received the email with the swift copy. I have called the bank and all I get is a verbal don’t worry is all ok. I find this far from a banking basic standard. I just opened the account and if this is gonna be a saga like this I better move my money to another bank. Because this bank holds the name Dubai, but service is far for what Dubai Stands.
I was interested in this credit card because I had heard nice things about it from my friends. It was delivered to me three days after I applied for it, and I received a 5% cashback when I tried it out at an online business!! What a wonderful card!
ADVANTAGES
DISADVANTAGES
AmazingProfessional
23-05-2022
Sana | Verified United Arab Emirates
Exemplary
I wanted to create an account at this bank, so I went there. The service was friendly and helpful, and my account was opened in just two days! It was an incredible adventure.
ADVANTAGES
DISADVANTAGES
AmazingImpressive
09-02-2022
Sayeera | Verified United Arab Emirates
Satisfying
I went to this bank because I wanted to open an account. The staff was courteous and efficient, opening my account in only two days! It was a fantastic experience.
ADVANTAGES
DISADVANTAGES
AmazingFantastic
03-02-2022
Blackwell | Verified United Arab Emirates
Amazing online banking service
The online banking service provided by this bank is extremely amazing. Also, the process of transferring money was a very easy one with this service.
ADVANTAGES
DISADVANTAGES
AmazingPerfect
11-11-2021
Coleen | Verified United Arab Emirates
Fast account opening!
I wanted to open an account so I went to this bank. The staff was professional as they opened the account for me within two days only! Totally satisfying experience.
ADVANTAGES
DISADVANTAGES
FastPerfect
27-10-2021
Nicolai | Verified United Arab Emirates
Perfect APP
Their application is really very perfect. I can transfer money easily on it and also check my account balance. It is a very fast, convenient, and informative app.
ADVANTAGES
DISADVANTAGES
ConvenientFastPerfect
20-04-2021
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