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Mashreq: who to contact when you can't pay, and what to say
The Debt Counselling exists to agree a plan with you. Contacting them before a payment is missed keeps every option open.
Checked on the banks' own websites on 26 August 2026.
Contacts for Mashreq
- The team
- Debt Counselling
- Debt team phone
- This bank publishes no phone number for its debt team. Use the email, or the bank's page.
- General line
- 04 424 4444Mashreq's general banking number (+971 4 424 4444 from outside the UAE). The debt counselling page publishes no phone number for the team.
What happens if you don't pay Mashreq
Reminders first, then a recovery officer, then a report to the Etihad Credit Bureau, and only for larger unresolved debts a civil claim. A travel ban needs a court order for a debt of AED 10,000 or more; a bank cannot impose one on its own.
Read the full Mashreq guide →What to say
Ask in writing, be specific about what you can pay and from when, and keep the reply. Our deferment guide has a copy-and-adapt email that UAE banks recognise.
Get the email template →Work out what you can offer first
Put your balances and payments into the calculator to see what a realistic plan looks like before you write.
Open the calculator- How do I contact Mashreq's hardship team?
- Email debtcounselling@mashreq.com. The bank publishes no direct phone number for the team. Every detail here was verified on Mashreq's own website on 26 August 2026; the bank's page is the final word.
- Can Mashreq put a travel ban on me?
- No bank can impose a travel ban on its own. Under the 2022 Civil Procedures Law a creditor must ask the Execution Court, generally for an established debt of AED 10,000 or more, and a judge decides.
- Will Mashreq restructure or defer my loan?
- Hardship teams can offer deferments, restructured instalments or settlement plans instead of legal action. Nothing is guaranteed, but asking early and in writing, with a realistic figure, is what makes an arrangement likely.
Other banks
Hisab drafts the email to Mashreq for you, in your language, and keeps every debt in one place on your phone. Free, no account.