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Debit Card Support

How to activate your card

Before you can use your debit card, you will need to activate it. Please do this as soon as you receive your card through the post. This will help us give you a better service, and protect you against debit card fraud.

To activate your debit card, choose one of the following options:

  1. CBD Online Banking
    Login to CBD Online Banking and follow the instructions to activate your card.

    Not registered with CBD Online Banking yet?
    You need to register first before you can activate your card online.

  2. SMS
    Send the message: ACT<space><last 4 digits of debit card number> to 3082 (e.g. ACT 1234) from your registered mobile number with CBD. Please note that this will be effective on the next business day.

  3. Phone
    Call our customer service center on 600 527223 and choose option 4 after language selection. Note: TIN (Telephone Identification Number) is required.

Please ensure you sign on the back of your debit card.

PIN and PIN Security

Your PIN must contain 4 digits using numbers between 0 and 9. Choose a number that is easily remembered but difficult for others to guess. For example, avoid using your own birthday, house number, or sections of your telephone numbers. Also avoid using only one repeated number, such as 1111. It is important to choose a number you will remember.

To create your new debit card PIN, choose one of the following options:

  1. CBD Online Banking
    Login to CBD Online Banking and follow instructions to create your new PIN.

  2. ATM
    Visit any CBD ATM machine and select “PIN services”.

  3. Phone
    Call our customer service center on 600 527223 and follow the instructions on IVR (note: telephone PIN is required).


For your peace of mind, our Online Banking system uses the latest security encryption technology to keep your information secure.

Lost or Stolen

If you card has been lost or stolen, simply contact us at your nearest branch or our Call Centre on 600 527223 immediately and we will block the lost or stolen card and initiate a replacement card for you.


If you card is lost or stolen, call us immediately on 600 527 223 if within UAE or +971 600527223 from outside UAE.
As a primary cardholder, you will be required to activate all supplementary cards issued on your account and set the required PIN for each card.
Applicable for replaced cards only.

You will be required to set a PIN for the newly issued debit card. However, you have the option of retaining the old 4 digit number or choosing a new number, as per your convenience.
To create your PIN, please visit any CBD ATM or sign into CBD Online Banking or call 600 527223 and follow instructions on IVR. Please note that CBD will never ask you for your CBD Debit Card PIN so please do not disclose this information to anyone.
You can easily activate your new card by following any of the options given below:


  • Login to CBD Online Banking and follow instructions to activate your card if you are a registered CBD Online Banking user
  • SMS ACT along with the last 4 digits of your debit card number to 3082 (e.g. ACT<space>1234) from your registered mobile number with CBD
  • Call 600 527223 and follow the instructions on IVR (you will require telephone PIN) or speak to one of our customer service representatives
Your CBD Debit Card has an embedded microchip which requires your card to be inserted into a point of sales machine at the merchant side, and armed with your personal 4-digit PIN, you can then secure a smooth and most importantly, safe transaction.
1. Look for the contactless symbol when paying for small everyday purchases that are AED 300 or less. 
2. Simply touch your contactless card against the reader.
3. A beep or green light shows your payment is processed.
4. Once your payment has been confirmed you will be offered a receipt.
Your CBD Debit Card has PayPass technology which allows you to pay for everyday essentials up to AED 300 in less than a second. Simply tap your card on any PayPass enabled device at merchants and the amount will automatically be deducted from your account without the card ever leaving your hand. Tap, pay and go, with the benefit of knowing that even if you tap twice by mistake, you can only be charged once.