100% Shariah-Compliant Banking
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For salaried individuals
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For SMEs & entrepreneurs
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- Working Capital
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Account Type Selected
Personal Banking
Emirates ID Verification
Scan your Emirates ID
Selfie Verification
Take a selfie for verification
Video KYC
Quick video call with our team
Complete in under 5 minutes
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🕌 Islamic Features
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Halal Financing
🏛️ Shariah Compliance
📿 Zakat Calculator
Calculate Your Annual Zakat
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Zakat Due (2.5%)
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Auto Finance Calculator
Auto Finance
Murabaha-based car financing
Total Cost
Monthly Payment
🕌 Shariah Compliance
Murabaha Contract
Cost-plus financing where we purchase the asset and sell to you at agreed markup
No Interest (Riba)
Fixed profit rate disclosed upfront, no compounding or hidden charges
Shariah Certified
Approved by our Islamic Advisory Board
Finance Application
Personal Information
Income & Employment
Required Documents
Emirates ID
Both sides of your Emirates ID
Salary Certificate
Latest salary certificate from employer
Bank Statements
Last 3 months bank statements
Vehicle Quotation
Official quotation from dealer
Document Requirements:
- All documents must be clear and readable
- Accept PDF, JPG, PNG formats
- Maximum file size: 5MB
- Documents must be in Arabic or English
Application Review
Finance Details
Personal Information
Terms & Conditions
Application Status
Application Submitted!
Your finance application has been submitted successfully
Processing Timeline
Application Received
Your application has been received and is being reviewed
Today, 2:30 PMDocument Verification
Our team is verifying your submitted documents
In ProgressShariah Board Review
Final approval from our Islamic Advisory Board
PendingContract Preparation
Preparing your Islamic financing contract
PendingExpected Processing Time
2-3 business days for standard applications
Notifications
You'll receive SMS and email updates on progress
My Profile
Fatima Al-Zahra
Personal Banking
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Biometric Authentication
Use fingerprint or face recognition for login
SMS Notifications
Receive transaction alerts via SMS
Two-Factor Authentication
Extra security for sensitive operations
App Preferences
Account Actions
Apply for Virtual Card
Choose Your Card Type
Prerequisites Check
Important Information
Shariah Compliance
All card products are certified by our Islamic Advisory Board and comply with Shariah principles
Credit Assessment
We'll check your credit history with Etihad Credit Bureau to determine your eligibility and limit
Processing Time
Virtual cards are typically activated within 5-10 minutes after approval
Credit Assessment
Etihad Credit Bureau
UAE's official credit reference agency
Credit Assessment Process
Identity Verification
Confirming your Emirates ID details
In ProgressCredit History Check
Reviewing your credit report from ECB
PendingRisk Assessment
Calculating creditworthiness score
PendingShariah Board Review
Islamic compliance verification
PendingWhat happens next?
We'll check your credit history with Etihad Credit Bureau. This soft check won't affect your credit score. The process typically takes 2-3 minutes.
Credit Limit Request
Credit Assessment Complete
Your application has been approved!
Excellent Credit Score
Request Your Credit Limit
Based on your credit assessment, tell us your preferred credit limit:
Quick Select
Monthly Income Verification
Intended Use
Credit Limit Approved
Congratulations!
Your virtual card application has been approved
Why this amount?
Based on your credit profile and income, we've approved AED 20,000 to ensure responsible spending within Islamic guidelines.
Your New Virtual Card
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Fatima Al-Zahra
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Two-Factor Authentication
SMS-based 2FA enabled
Biometric Login
Use fingerprint or Face ID