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FAQs

Digital Banking - Frequently Asked Questions

About Ajman Bank Digital Banking

What is Ajman Bank Digital Banking?

Ajman Bank Digital Banking is a simple, hassle-free and secure Online Banking service available to all Ajman Bank Retail banking customers in the United Arab Emirates.

Why to choose Digital Banking?

You are looking for one reason to choose Retail Online Banking, we will give you 10...
  • It is easy to apply, and hassle-free to use for your everyday banking needs
  • It is your own bank. You have instant access to up-to-date information on your accounts, deposits, credit cards and finance.
  • It is safe & secure. Using your Online Banking ID (User ID) and Password, for viewing details your accounts, cards, finances, and deposits, downloading statements, our Digital Banking gives you the confidence that accounts and transactions remain safe with us.
  • It is fast. It takes a few seconds to click and to get updated information of your account, cards, finances and deposits, and a few minutes to make a bill payment, recharge your mobile or transfer funds.
  • It is worldwide access. You can use Digital Banking from anywhere and at anytime, be it your home, office or on the move.
  • It is time-saving. No need to drive up to a branch or look for a service center. So you save up on your time to enjoy life.
  • It is available 24/7 and accessible at your own convenience,
  • No special hardware or software required. All you need is a simple computer and an Internet connection.
  • Wide range of services. From account and card details to statements, deposit details to finance summary, transfers within UAE to International Transfers, bill payments and mobile recharge, we have it all in one comprehensive package. And we are working vigorously to add more value-added services for you.
  • It is FREE! - Not that it matters much but feels good to know.

What are fees and charges associated with use of Digital Banking?

There are no fees and charges for using Digital Banking. However, some charges may apply to certain requests and transactions, such as Cheque Book, International Transfers etc.

Is Digital Banking available 24/7?

Yes. This service is available to you 24 hours a day, 7 days a week.

Can I access Digital Banking from outside UAE?

Yes. As long as you meet the System Requirements, you will be able to access Digital Banking from anywhere and at anytime.

Can I access Digital Banking from my mobile?

Yes. As long as you meet the Mobile Requirements, you will be able to access Digital Banking from anywhere and at anytime.

Who can apply for Digital Banking?

To use Digital Banking, you need to register with your Ajman Bank Debit Card or Credit Card. You must have a Current or Savings Account, or a Credit Card with Ajman Bank, United Arab Emirates.

How do I apply for Digital Banking?

Click on the ' Sign up for Internet Banking ' on Web or “Signup� on Mobile of Digital Banking and follow the simple steps for registering. The registration for Digital Banking will be completed and you can log in to start using the Digital Banking Services.

Security

How secure is Digital Banking?

Security raises different concerns such as security of information, security measures for identification, security of financial transactions and so on. Our Digital Banking is Secure Socket Layer (SSL), which is one of the strongest encryption technologies and is used by numerous online financial applications worldwide for safeguarding information against disclosure to third parties. We have virtual keyboard to protect your User ID and Password from key-logging.

What is encryption and information protected?

Encryption is the process of transforming information using an encryption algorithm to make it unreadable to anyone except those possessing special knowledge, usually referred to as a key. The result of the process is encrypted information. In many contexts, the word encryption also implicitly refers to the reverse process, decryption (e.g. "software for encryption" can typically also perform decryption), to make the encrypted information readable again (i.e. to make it unencrypted). And our SSL Certificate ensures encryption from your browser to our back-end systems which protects information against any potential loss.

What are cookies and how are they used for Digital Banking?

Cookie (also called as tracking cookie, browser cookie, and HTTP cookie) is a small piece of text stored on a user's computer by a web browser. A cookie consists of one or more name-value pairs containing bits of information such as user preferences, shopping cart contents, and the identifier for a server-based session, or other data used by websites.

What precautions can be taken for using Digital Banking?

You should take the following precautions:
  • DO NOT reveal your Card Number, T-PIN, User ID and Password and MPIN to anyone, write it down or use it where the information is exposed to anyone.
  • Keep changing your Password , and If you suspect it has been revealed, then change your Password IMMEDIATELY.
  • DO NOT use easily guessable information as your Password such as your date of birth, telephone number, mobile number etc.
  • DO NOT leave your Retail computer unlocked or unattended when logged-in Online Banking.
  • REMEMBER TO LOCK THE COMPUTER OR LOG OUT of Online Banking and close your browser whenever you leave your computer.
  • Clear your browser's cache on a regular basis so that your account information is removed. This is particularly important if you are using a shared PC. You should clear it after each session.
  • Always use the latest recommended internet browser so that you are using the most updated security features available.
  • Call our Phone Banking immediately if you notice any unusual transactions on your account.

What should I do if I suspect unauthorized transactions on my account?

If you suspect there are unauthorized transactions on your account, please call 800-22 on our Phone Banking by providing account and transaction details. Please take note of your last log-in date and time, as indicated at the Online Banking Homepage, each time you log-in to Digital Banking.

What precautions should I take when using shared or public computers for using Online Banking?

We strongly recommend that you do not access Digital Banking and conduct transactions on shared or public computers unless you are sure that it is safe to do so. Please clear browser cache after each session so that your account information is removed from such computers.

Log - In

What is my User ID and Password for log-in?

The User ID and Password is what you entered at the time of Registration.

What happens when my User ID is invalid?

Please call our Phone Banking for assistance.

What should I do if I have forgotten my User ID?

Just click on forgot User name on login page and follow the instructions.

What should I do if I have forgotten my Password?

Just click on forgot Password on Log-in page and follow the instructions.

How Can I change my password?

Yes, you can change your password any time. To change the password, login to Digital Banking.

What should I do if I feel that my password has been stolen or exposed to third-party?

If you feel that your password has been stolen or exposed to others, please change your password immediately.

System Requirements

What hardware and software do I need for using Digital Banking?

Minimum Hardware Requirement
  • PC with Pentium 166MHz processor or higher
  • 8 MB RAM or higher
  • SVGA or higher resolution monitor, 256 colors minimum, 1024 x 768 screen resolution
  • Internet connection
  • Any mobile device with latest IOS
Minimum Software Requirement
  • Any operating system
  • Any Browser
  • App Store / Google Play store

What display setting should I use for Digital Banking?

Online Banking is optimized for viewing with screen resolution of 1024 x 768. Mobile banking is rendered as per mobile device display.

I use Mac computer and operating system. Will I be able to access Online Banking?

Yes , you can use Digital Banking in Mac PC or download from App store store.

Yes, our Digital Banking supports Macintosh computer and operating system.

Trouble Shooting

The Digital Banking URL is not accessible?

The Digital Banking URL, https://onlinebanking.ajmanbank.ae/RetailBank/, should be accessible. If it is not accessible then probably your Internet Connection firewall is blocking the URL. Please check your connection.

What should I do if I am not able to perform any financial transaction?

Ensure that you are using one of the recommended browsers or the Mobile app downloaded from approved stores.

What should I do if I do not get a response after clicking on a hyperlink or icon?

You can restart you browser or PC. Your Internet connection speed may also cause delay in response time. Please wait, check the browser status, it will show as working in the address bar or below in the status of page loading and let the website load.

If the problem persists, then close the browser, re-open and try again.

Incase of Digital Mobile Banking close the app and open again.

Who can I call if I have any problem or enquiry in using Digital Banking?

Please call our Phone Banking. Kindly get note of the error code or message if any, to the Phone Banking Agent for investigation.
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AJMAN BANK ONLINE BANKING SERVICES

PRIVACY POLICY

Ajman Bank (P.J. S.C.) is committed to providing the highest level of security and privacy regarding the collection and use of the Customer's personal information by Ajman Bank’s Online Banking Services. Personal information may be collected through the submission of Service requests, online banking Transactions or through the use of online financial tools such as interactive calculators. A detailed description of Ajman Bank's Online Banking Services Privacy Policy is provided below. If you have additional questions regarding the privacy and security of your personal information, please contact us on 800-22 at Ajman Bank, P.O.BOX 7770, ANF Tower, Khalifa Street, Ajman, U.A.E.

Respect of Right to Privacy

Ajman Bank maintains strict policies and security controls to ensure that Customer information contained in the systems and files is protected. Ajman Bank respects your right to privacy and takes every precaution to provide you with the same level of privacy within our Bank that you receive through more traditional bank delivery channels. Ajman Bank is committed to ensuring the privacy of its Customers' personal information.

Collection and Use of Personal Information

Collection and Use of Personal Information The collection of personal information online is designed to protect access to your Accounts, to assist Ajman Bank in providing you with the products and services you want and need. All personal information collected and stored by Ajman Bank is used for specific business purposes to protect and administer your Accounts and Transactions, to comply with Federal Laws and banking regulations of the United Arab Emirates ("UAE"), and to help Ajman Bank better understand your financial needs in order to design or improve our products and services. Employing stringent security measures in the collection of your personal information, all Ajman Bank Service requests are submitted to the Bank's secure administration site of Ajman Bank. Once received by Ajman Bank, only the Bank's approved personnel may open and process the application. Furthermore, auditing mechanisms have been put into place to further protect your information by identifying, which employee(s) has accessed and in any way modified for example, updated or added to your personal information. Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by Ajman Bank from this Website from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with Ajman Bank’s prevailing information technology security policy. As per privacy protection and information security policy, Ajman Bank never requests its Customers to disclose the Account number, Credit Card information, User ID, Personal Identification Number (PIN), Telephone Identification Number (TIN), Login & Transaction Passwords or any such information through e-mails. Any e-mail or written communication received by the Customer, which appears to have been sent from Ajman Bank seeking Customer's personal & confidential information, should not be answered but advised to Ajman Bank.

Limited Employee Access to Personal Information

Ajman Bank limits its access to your personal information to only those employees who hold a business reason for having access to such information. Ajman Bank also educates all their employees about the importance of confidentiality and customer privacy. In addition, individual user names and passwords are used by approved Ajman Bank personnel to access your personal information online, providing audit trails to further safeguard the privacy of your personal information.

Third-Party Disclosure Restrictions

Ajman Bank follows strict privacy procedures in regard to protecting your personal information. In addition, Ajman Bank requires all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process Customer's Transactions; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.); or in conjunction with joint marketing agreements we have entered into. Ajman Bank does not provide Account or personal information to other companies for the purpose of independent telemarketing or direct mail marketing of any non-financial products or services of those companies.

Online Protection

Ajman Bank has taken all appropriate measures to protect your personal information provided by you to Ajman Bank and uses several security levels. Ajman Bank’s electronic and online security systems are described in the Ajman Bank prevailing electronic Services and security policy.

Cookies

Ajman Bank does use cookies with Customers who sign in to the Online Banking Services, to make access more appropriate and convenient. The cookies are generated once the Customer logs into the Online Banking Services and expires once the Customer logs out or at a definite time period to protect your privacy. Ajman Bank does not store any sensitive information such as Customer information in the cookies.

Intellectual Property Rights

You may reproduce this information in hard copy solely for your personal use. The information may not be reproduced, distributed or transmitted to any other person or incorporated in any way into another publication or other material. In relation to any information or materials which you submit to Ajman Bank using this Online Banking Service, you hereby grant Ajman Bank a worldwide royalty-free perpetual license of the copyright and Intellectual Property rights in such information or materials for any purpose it deems including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law. You agree that Ajman Bank shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using these Online Banking Services unless agreed otherwise in a separate direct contract between you and Ajman Bank or required by law. You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual Terms and Conditions of particular products and services offered on or through these Online Banking Services.

Modification

Ajman Bank reserves the right in its discretion to change without prior warning or notice any information or material contained on the Online Banking Services and the Terms and Conditions under which the Services are used.
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