Bank by bank
Who to contact at your bank when you can't pay
Every UAE bank has a team whose job is to agree a plan with you before anything escalates. Here is how to reach each one, checked against the bank's own website.
Every bank on this page runs a team for customers who cannot meet their repayments. They go by different names — financial remediation, debt counselling, Money Assist, finance counsellors — but the job is the same: agree a plan the bank can recover on instead of starting a legal process that costs both sides. Reaching them before a payment is missed, or in the first days after, keeps deferments, restructured instalments and settlements on the table.
Write rather than call where you can, so there is a record. Say what happened, what you can pay and from when, and ask for the arrangement by name. Keep the reply. If you are not sure what a realistic figure is, run your balances through the calculator first; if you are not sure what to write, the deferment guide has an email UAE banks recognise. Hisab drafts that email for you, in your language, and keeps every debt in one place on your phone.
When you are ready, Hisab puts every debt in one place on your phone, privately, for free.