# CBD - Instant digital banking — Accounts, credit cards, loans

> UAE-based digital banking for accounts, credit cards, loans, and payments. (iPhone/iPad app by Commercial Bank of Dubai.)

- Source: https://appshunter.io/ios/app/cbd-instant-digital-banking/id524929197 (this page in markdown: same URL + `.md`)
- Developer: [Commercial Bank of Dubai](https://appshunter.io/developer/524929200)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.80/5 from 1,806 App Store ratings · 51 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 415 MB
- Languages: American English
- Released: 2012-05-09
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/cbd-instant-digital-banking/id524929197/reviews.md

## What is CBD?

Wherever you happen to be, our new mobile banking App is easy, fast, and secure.
And now managing your money is easier than ever before.

Commercial Bank of Dubai (CBD) is a leading banking and financial services institution in the UAE, backing ambitions since 1969. 
With over 55 years in the UAE and award-winning banking services, you can rest assured that all your banking needs are taken care of by a trusted financial partner. 

120+ services
Experience a feature-rich design with 120+ services for your everyday banking, most of which are processed instantly.

Instant banking in minutes 
Sign up in minutes with just your Emirates ID and get a Current Account, Credit Card, Quick Loan, Home Loan Pre-Approval and more in the UAE’s highest rated Mobile Banking App.

Transfers & payments in seconds  
Make instant transfers to Bangladesh, India, Pakistan and the Philippines as well as instant local transfers all with just a few taps. You can also make over 20 utility payments include Du, Etisalat, Dewa and so much more. 

1,000+ lifestyle offers 
Enjoy over a thousand offers and discounts across dining, entertainment, lifestyle and so much more with the CBD App using your CBD Credit or Debit Card.

This application is exclusively available to residents of the United Arab Emirates (UAE). Non-residents are not permitted to log in or apply for financial services, including loans. Residency verification is mandatory prior to accessing any functionality.

## Key features

- Instant account opening
- Credit card and loan applications
- Instant money transfers
- Utility bill payments
- 1,000+ lifestyle offers
- Secure mobile banking

## What do users think of CBD?

Overall sentiment: negative

**Pros**

- ⭐ Excellent services
- ⭐ Fast and easy
- ⭐ Wonderful experience
- ⭐ Very good bank
- ⭐ Convenient and easy to use
- ⭐ Simplifies daily life
- ⭐ Convenient and makes bill payment simple

**Cons**

- 🚫 Hungry for money
- 🚫 Worst customer service
- 🚫 Slow and unhelpful chatbots
- 🚫 Difficult to transfer money
- 🚫 App not working after update
- 🚫 Crashes and login issues
- 🚫 Lacks support and poor communication

**Commonly reported bugs**

- App crashes and login issues
- Incompatibility with newer iOS versions
- Transferring money not working

**Most requested features**

- Improve app performance and stability
- Enhance security features
- Introduce advanced budgeting and money management tools
- Provide better customer support

## Recent user reviews (10 of 51)

All indexed reviews: https://appshunter.io/ios/app/cbd-instant-digital-banking/id524929197/reviews.md

### 5/5 — Personal

*2026-08-03, version 9.1.23*

Excellent, very good

### 1/5 — One time code hindrance

*2026-07-22, version 9.1.23*

I can’t access the one time code feature and I’m unable to make payments

### 1/5 — Don’t deal with this bank

*2025-10-14, version 9.1.0*

I am paying every month full amount of due payment as per my statement, I found AED:617 interest  and when I asked about it, they told me that I applied for EPP for transaction made after the statement date and the credited amount of the EPP not included in total amount in statement because it was posted after the date of statement

### 1/5 — Hungry for money

*2025-09-30, version 9.1.0*

Although they blocked my credit card and the phone app a year ago and suspended all services because my ID was expired. But I am still being charged for the credit card fee. The card can not be cancelled because bank wants to make sure ONLY via call that I am the legit owner and wants to cancel the card (that is blocked since a year). This is how bank literally takes care of you, because they do receive 10000 of requests from different people who want to cancel the credit card of other customers.

### 1/5 — angry

*2025-03-13, version 9.0.14*

worst customer service ever just put person to talk to

### 1/5 — Well that was a fail …

*2025-02-02, version 9.0.13*

They update the design of the app and it’s almost impossibly slow to use. Shocking. Held out for a couple of months but I’ll be closing my account and moving elsewhere after 10 years of custom. Sad

Also, security is limited. While they do use facial videos in specific scenarios
1) Special password characters are limited to only . and _
2) You cannot paste passwords into the app which limits the use of complex passwords and password managers
3) 2FA must use SMS which means the 2FA will always be on the same phone that may get stollen (= pointless). This also must be the same numbers as the day to day baking sms notifications
4) Email address can be changed without re-entering the password via the mobile app (again, if stollen and the thief has your device passcode then they can change this)

### 1/5 — Well that was a fail …

*2024-09-17*

They update the design of the app and it’s almost impossibly slow to use. Shocking. Held out for a couple of months but I’ll be closing my account and moving elsewhere after 10 years of custom. Sad

### 1/5 — Poor banking app

*2024-08-30, version 9.0.3*

Worst banking app of my money was debiting from my account with my permission it’s happened two times when report I didn’t get response from bank and call center staff are not supported..

### 1/5 — Chatbots slow and unhelpful

*2024-07-31, version 9.0.1*

After numerous attempts to reach a human on the call centers and being on hold for over an hour. I tried the chat. It was just as useless. CBD need to communicate better with their customer and get more help at their call centers or get an app that actually works.

### 2/5 — Transferring money is difficult

*2024-07-24, version 9.0.0*

Overall the app is fine - except:
- Recent update makes it impossible to transfer money to anyone (error missing data no matter what)
- Desktop website allows transferring money but doesn’t provide a debit advice / receipt no matter what.

So overall there’s no way to transfer money to someone and be able to share proof of transfer.

## Frequently asked questions about CBD

### What can I do with the CBD mobile banking app?

The app allows you to manage your finances conveniently, offering services like instant account opening, credit card and loan applications, and quick money transfers to various countries. You can also make over 20 utility payments and access over 1,000 lifestyle offers when using your CBD card.

### Who is eligible to use the CBD mobile banking app?

This application is exclusively available to residents of the United Arab Emirates. Non-residents are not permitted to log in or apply for any financial services, including loans. Residency verification is mandatory before you can access any of the app's functionalities.

### How fast are transfers and payments?

The app facilitates instant transfers to countries like Bangladesh, India, Pakistan, and the Philippines, as well as instant local transfers, all with just a few taps. Many of the over 120 services offered are processed instantly, making your banking experience efficient.

### Is the app secure for managing my money?

Yes, the app is designed to be secure for managing your money. It is described as a secure mobile banking app, and Commercial Bank of Dubai (CBD) is a trusted financial partner with over 55 years of experience in the UAE.

### Can I apply for loans through the app?

Yes, you can apply for various financial services, including a Quick Loan and Home Loan Pre-Approval, directly through the app. However, this functionality is strictly for residents of the United Arab Emirates.

## Version history (last 5 releases)

### 9.1.26 — 2026-08-16

We've made important improvements to enhance your digital banking journey with CBD. Update now!

### 9.1.25 — 2026-08-08

We've made important improvements to enhance your digital banking journey with CBD. Update now!

### 9.1.24 — 2026-08-04

We've made important improvements to enhance your digital banking journey with CBD. Update now!

### 9.1.23 — 2026-07-10

We've made important improvements to enhance your digital banking journey with CBD. Update now!

### 9.1.21 — 2026-07-05

We've made important improvements to enhance your digital banking journey with CBD. Update now!

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## More apps by Commercial Bank of Dubai

- [CBD FS](https://appshunter.io/ios/app/cbd-fs/id1118867424)
- [CBD iBusiness](https://appshunter.io/ios/app/cbd-ibusiness/id1482252554)
- [CBD Investr: Stocks Investing](https://appshunter.io/ios/app/cbd-investr-stocks-investing/id1556032991)
- [CBD iBusiness NextGen](https://appshunter.io/ios/app/cbd-ibusiness-nextgen/id6467857348)
- [UP by CBD](https://appshunter.io/ios/app/up-by-cbd/id6745691118)

All apps by Commercial Bank of Dubai: https://appshunter.io/developer/524929200

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*