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Mashreq mobile banking - FAQ

1. What is Mashreq Mobile Banking?

Mashreq’ mobile banking solution designed keeping your convenience in mind. You can now access your account details, make Credit Card, phone and utility bill payments and transfer funds instantly from anywhere, at your convenience, through your mobile phone. 

2. How do I know if my phone is compatible?

Most phone models support Mashreq mobile banking. All you need is 

  • a JavaTM-compliant phone
  • an active GPRS / 3G / Wi-Fi connection (i.e. ability to connect to internet)

Some of the phones (among others) we support are:

  • Nokia Series 60 , Nokia Series 40 (6300, 5310, 6500)
  • Nokia 6120
  • Nokia N Series (N95), Nokia E Series (E90)
  • Sony Ericsson C902, K750i, K800i, K850i, W660i, W810i, W850i, W900i 

3.  I do not have internet on my phone. How do I check or subscribe?

Check if you can access the internet on your phone

Please go to your mobile phone’s web browser and try opening any website (for example, www.google.com). If the site opens you have an active connection. If it does not open, you need to subscribe for the facility.

a.   Etisalat

  • For post-paid connection you need to call Etisalat on 125 from your mobile phone.
  • For pre-paid connection you can press *122*243# or *122*241# and press the call option, or send an SMS “ r ewap” to 1010, you will receive settings from Etisalat which you need to save and set as default settings on your phone. You can also call 101 for GPRS subscription. (The settings is titled as ‘Data Package’)

b.   du

  • For both Pay-as-you-go and monthly plan users you need to send an SMS with the word “du” to 333 or by calling Customer Care on 155 from your mobile phone. An SMS with the configuration settings will be sent to you. Please open and save the settings. 

Please note: On certain mobile phone models you may have to configure installed applications to access internet using the default settings. (i.e. Internet access and download may work perfectly but while running Mashreq mobile banking application you may face errors for further details please call our 24-hour Direct Banking Center on +971 4 4244444. 

4.  How do I register for Mashreq mobile banking service?

You need to have an active Mashreq account or Credit Card, and access to online banking. 

Getting the Mashreq mobile banking application on your phone is very easy, and can be done in less than 5 minutes. For your convenience, and to cover most phone settings, we recommend you to follow the detailed steps below: 

a.   Registration

  • Sign On to MashreqOnline
  • Click on ‘Mobile Banking’ on the main top menu
  • Click on ‘Register’ on the sub left menu
  • Accept the terms and conditions for the service
  • Enter your 10 digit Etisalat / du mobile number (Please make sure you double check the number before you proceed)
  • Upon successful registration you will see an ‘Activation Code’, please note it down. You will need this to activate the application – just for the first time. (Please note: The activation code is valid only for 3 hours) 

b.   Application Download

  • You will receive a SMS to the number which you provided on MashreqOnline with a download link:
    • On phones where link is clickable / gets highlighted
    • Your phone browser should lead you to the download page
    • Click on ‘Download Now’
    • Applications starts downloading
  • On other phones
    • On the SMS select ‘Use Details’ under ‘Options’
    • Select ‘Web Address’
    • Choose ‘Go to link’ or ‘Open link’
    • Your phone browser should lead you to the download page
    • Click on ‘Download Now’
    • Applications starts downloading
  • Once download finishes please close the phone browser 

c.   Installation

  • Once the application is downloaded on the phone it will automatically start installing the application. (Certain phones ask permission to install)
  • We strongly recommend installing the application on your phone memory. Installation on an external memory card is optional; you may choose this option in case you do not have enough memory on your phone. 

d.   Activation

  • Once the application is installed most phones will ask you to run the application or will start automatically.
  • In case you want to locate the Mashreq mobile banking application you will find it under:
    • Installations
    • Office
    • Games
    • Or under pre-defined location specified on your phone
  • You will see Mashreq icon select and open the application
  • You will see a splash screen with Mashreq logo and progress bar please continue to hold on, when the application starts for the first time it may take 15-20 seconds
  • Now you will confront ‘Activation’ screen – this only for the first time
  • Enter the activation code
  • In case your activation code has expired or you have forgotten
    • Please Sign On to MashreqOnline and click on ‘Re-activate’ against the mobile number after clicking on ‘Register’ on the left menu under ‘Mobile Banking’
    • You will receive a new activation code
  • Now choose a minimum 6 digit alpha-numeric password of your choice
  • Repeat the password to verify
  • Select ‘Activate’
  • You will see confirmation message ‘Successful Activation’
  • Select ‘OK’ to proceed to the main menu of the application 

5.  Can my friend get access to his account using the Mashreq mobile banking application installed on my phone?

This application is highly secure and personalized. A unique application is created specifically with your account and Credit Card details which appear on MashreqOnline, and which will open only with your password. 

6.  I have two mobile phones can I have access to mobile banking for my account on both my phones?

You can have this application on multiple mobile phones. Please Sign On to MashreqOnline to register for a new mobile number.

  • Under ‘Register’ select ‘Add New mobile Number’ and follow the same steps to activate the service 

7.  What do I do if I have forgotten my password?

Please call our 24-hour Direct Banking Center on +971 4 4244444 to reactivate the service. Once we reset your registration, all you need to do is:

  • Sign On to MashreqOnline and choose the ‘Re-activate’
  • You will receive a new ‘Activation code’
  • Please use the new activation code and create your new password 

8.  What if I change my phone or if I lose my phone?

Please call our 24-hour Direct Banking Center immediately on +971 4 4244444. We will delete your subscription, and you can then re-register on MashreqOnline for the same service on your new mobile phone. 

9.  What happens if I permanently change my SIM card?

In case you change your Mobile Number permanently (i.e. New SIM card from service provider), we recommend that you:

  • Delete the old Mashreq mobile banking application from your phone
  • Inform us by calling our 24-hour Direct Banking Center on +971 4 4244444
  • Register and download a fresh application 

This will enable you to manage your subscription on MashreqOnline and will also keep your updated for any future upgrades.

Note: Changing your SIM card temporarily will not disrupt the application and its performance, all it requires is an active internet connection via GPRS / 3G / Wi-Fi. 

10.  Can I access this application outside UAE?

That’s exactly why we call it ‘anywhere banking’. You can use Mashreq mobile banking application from anywhere in the world. Once the application is downloaded and activated on your phone it is independent of service provider. All it needs is any active internet connection via GPRS / 3G / Wi-Fi. 

11.  How secure is this application?

The application does not store any sensitive information or transaction logs on the phone, which makes your Mashreq mobile banking experience totally secure. Apart from this we have other robust security features built into the application:

  • The Mashreq mobile banking application is a ‘trusted’ application signed by VeriSign
  • Data exchange from this application is encrypted with 3DES and dual factor authentication based 128 bit SSL connection 

12.  How much will it cost to me?

The Mashreq mobile banking service is free of cost. The only cost that applies to you is the network usage levied upon you by your service provider. 

A sample transaction as below:

  1. Balance enquiry
  2. Phone re-charge
  3. Mashreq Credit Card payment 

will approximately cost you less than AED 1 (this includes Sign On and Sign Out)