faqs faqs

As per the regulations set by Central Bank of the UAE, all banks need to maintain valid identity documents / information for their customers, at all times. This helps the banks know / understand their customers and their financial dealings to be able to serve them better and manage risks prudently.

KYC requirements have always been in place and Banks have been taking KYC documents in accordance with the guidelines issued by the Central Bank of the UAE from time to time.

KYC is mandatory as per Bank of Sharjah Policy and regulatory requirements

As a bank, we endeavour to provide you with the best of services at all times. However, we will be constrained to place restrictions, followed by potential discontinuation of services, or even a possible exit, of your accounts, in the absence of KYC information / documents.

We will be in touch with you from time to time to inform you regarding KYC document(s) requirement.

Based on the communication you receive from the bank, you may need to submit, some or all of the following documents according to your category:

Individual Customer

  • Emirates ID
  • Passport
  • Residence Visa
  • Proof of Residential Address (Utility bill or other bank statement from last 3 months or Valid Tenancy Contract (Ejari))
  • FATCA self-declaration Form
  • CRS self-declaration Form
  • Proof of income/wealth (Bank statements or Salary certificates)

Entity / Organization / Company

  • Privately held or unlisted companies – details (i.e. Emirates ID, Passport, Visa) of all shareholders
  • Emirates ID Card for all shareholders with >5% holding
  • Passport for all shareholders with >5% holding
  • Visa for all shareholders with >5% holding
  • Proof of Operating Address in UAE (Utility bill or other bank statement from last 3 months)
  • Trade License /Certificate of incorporation and certificate of good standing/incumbency
  • Memorandum & Articles of Association
  • Resolution of the Board of Directors to open an account and identification of those who have authority to operate the account
  • FATCA self-declaration Form
  • CRS Self-declaration Form
  • Audited financial statements

We review our customers' records on an ongoing basis. We will get in touch with you, if your KYC document(s) need to be updated, in future. You can also get in touch with us as soon as there are any changes to your profile or new documents.

VAT is an indirect tax applied upon the consumption of most goods and services. VAT is levied by VAT-registered businesses which make supplies of goods and services in the course or furtherance of their business. VAT will also apply on the importation of goods and services.

VAT will apply to the majority of transactions of goods and services unless specifically exempted by law. VAT is ultimately incurred and paid by the end consumer. Although VAT will apply to most goods and services there are some exceptions: this includes but not limited to supply of crude oil and natural gas, exports of goods and international services qualifying healthcare services and, education services which will be zero rated supplies.

Bank of Sharjah’s Tax Registration Number is 100000424000003.

International Bank Account Number (IBAN) is an international standard for identifying bank accounts (excluding credit cards). The main purpose of IBAN is to facilitate the automatic processing of money transfers, to improve the speed and accuracy of your transactions.

The Central Bank regulation was effective from 19th November 2011, whereby all banks in UAE are required to accept and process payment instructions with IBAN

Bank of Sharjah’s SWIFT Code is SHARAEAS and Routing Code is 401230101

Bank of Sharjah shares are traded on the Abu Dhabi Securities Exchange. For the latest share price quote, please click the following link:

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Customers can carry out a variety of transactions on Bank of Sharjah ATMs. Given below are some of the features and facilities available on these ATMs:

  • Cash Withdrawals (Bank of Sharjah Customers, GCCNet, Visa and China Union Pay-CUP)
  • Cash Deposit
  • Balance enquiries and viewing account statements
  • Change Personal Identification Number (PIN)

eBOS service is specially designed to utilize Bank of Sharjah's services via Internet and/or SMS from anywhere, and at any time, 24/7. Through this service, you can connect to your bank accounts through the Internet, and execute your financial and non-financial transactions from remote locations. You can also transfer money to 3rd parties, pay your utility bills…etc. The operation is simple and secure, and fully in your hands, all what you need is your username and your password.

Bank of Sharjah customers, who have at least ONE existing active account in the bank.

After filling the application form which includes the Terms & Conditions, you should have it signed by authorized signatories and submit it to your nearest Bank of Sharjah branch for validation and verification. The application form must be signed by authorized signatories who can delegate such powers e.g. owners, notarized POA holders and/or authorized personnel as per authenticated Articles/Memorandum of Association etc..

Within 3-4 days of submitting the form to the bank, a PIN mailer will be sent to your branch specifying the eBOS login information (i.e. username and password).

After receiving the PIN mailer, you should activate your eBOS user by calling 800-88-eBOS (3267) within UAE and +971-6-5694411 from outside UAE. A customer service representative will activate your account after verifying your identity.

After receiving your username and password, you should activate your account by calling 800-88-eBOS (800-88-3267). A customer service representative will activate your account after verifying your identity.

eBOS services may be accessed through Bank of Sharjah's main website at https://www.bankofsharjah.com.

During the process of Online Registration for eBOS, those accounts that you hold with the Bank that are linked to your Customer Number will be automatically displayed. These accounts will be accessible through this service.

By clicking on the account number, depending on the type of account you maintain, viz. Current, Savings, Term Deposits, Loan Account, etc. details relevant to the account e.g. ledger and available balance, maturity date, limit, etc. will be displayed.

By clicking on the underlined balance shown against an account, a detailed view of the entries in that account will be shown. The transactions will be displayed in date order with details such as date, a brief description of the transaction, debit/credit amount and the corresponding balance. If you need more information on any particular transaction, click on the date of the particular transaction.

Recent transactions will be displayed in the transaction history screen. If you wish to view earlier entries, you can use the previous and next buttons available on the screen.

Click on the credit card account name (or nickname) to display the account information in the middle of the screen, after that click on the Notify Loss Of Credit Card link to pop up the new email client window and then send the email to the designated recipient.

You can change the status of your Debit (ATM) card(s) using eBOS.From the menu bar select ‘Debit Cards’.  Then Click on and select the required Debit card and select ‘Activate’ or ‘Deactivate’ as necessary.

Simply select any cheque payment transaction listed on your statement of account and click on the "View Cheque Image" button.

DDA Portal allows eBOS users linked to individual customer accounts to set up, amend, cancel and stop DDAs.

Simply navigate to the eBOS Application Forms Webpage, download the "Application for Setup Direct Debit Authority (DDA) Option (eBOS)" form, fill the application. Finally, sign the application and submit it to any BOS branch.

Simply:

  • Select "Access Direct Debit Authority" link listed under the "Other Services" menu option and then click on the "DDA Requests" button.
  • Browse to choose the DDA to access and then click on the required function.

e-Advices are electronic versions of paper transaction advice slips accessed through your eBOS account rather than the Postal Office. They look just like paper transaction advice slips, and contain the same information, yet you'll receive them as soon as they are created.

Simply log on to eBOS, click on the "e-Advice Subscription" link.

  • Immediate Delivery - e-Advice virtually eliminates the waiting period by arriving instantly as soon as the advice is generated.
  • Easy Storage - e-Advices can be stored on your computer giving you more flexible access.
  • Paper clutter is reduced; Print only when you need to.
  • You may convert your e-Advice option back to paper copy at any time. Simply log on to eBOS, click on the "e-Advice Subscription" link and select to unsubscribe
  • Worldwide Access - you'll have access when you need it...whether you're at the office, on vacation, or away on business.
  • It's FREE! - There is no charge for this convenient, time-saving service.
  • More environmentally friendly

All e-Advices are in Portable Network Graphics Format ("PNG"), which is the most used image compression format on the internet and it's compatible with all popular web browsers including: Apple Safari, Google Chrome, Mozilla Firefox, Opera, Camino, Internet Explorer and many others.

Simply you can select any advice transaction listed on your statement of account and click on the "View e-Advice" button

Once you have registered for e-Advice service, paper advice will no longer be sent to you. But in case you want a copy of advice, then you should submit a request at your branch.

e-Advices will be kept for 3 years. Please save a copy for future reference.

This feature enables eBOS users to view the details of authorized transactions pertaining to purchases made using their BOS Debit MasterCard that have not yet been posted to their accounts. Once a transaction has been settled, the final amount will appear in their statement of account. In addition, other blocked amounts related to past due loan payments maybe listed.

From the account summary page, simply click on the Account Name (or nickname) of any account listed and select "Blocked Amount Details" button.

eBOS users may now view, print and export the loan repayment schedule of any loan account. When an eBOS user clicks on any of his/her loan accounts, the up-to-date loan schedule will pop up for him/her showing the effected payments and the pending installments. The up-to-date schedule reflects any changes due to any installment delay, any interest rate change, or any reschedule. 

Loan repayment schedule feature will be automatically granted to all eBOS customers having loan account(s) with Bank of Sharjah.

From the account summary page, simply click on any loan account listed and select "View Loan Repayment Schedule" button.

Eligible users may now view/print the body of Swift/UAEFTS Message received/sent to/from their accounts with a click of a button. Simply select any electronic transfer transaction listed on your statement of account and click on the "View Electronic Transfer" button.

This feature enables eBOS users to generate up to the minute information of their Trade Finance position showing the Trade Finance reference, currency, amount, related reference, maturity date and name of the beneficiary. 

Trade Finance position feature will be automatically granted to all eBOS customers having Trade Finance activities with Bank of Sharjah. 

From the account summary page, simply click on the Account Name (or nickname). A PDF file showing all Trade Finance information will be displayed. 

  • Click on the Account Name (or nickname) to display the account information in the middle of the screen.
  • The IBAN is displayed in the 2nd row. i.e. below the Account Description

This feature enables eligible eBOS users to upload Salary Information Files (SIF) as per the Wages Protection System (WPS) introduced by the Central Bank of UAE & Ministry of Labor.

Simply navigate to the eBOS Application Forms Webpage, download the "Application for WPS Upload SIF Files" form, fill the application and provide the e-mail address to be used for WPS SIF upload correspondence. Finally, sign & stamp the application and submit it to any BOS branch.

Simply:

  • Select "Upload WPS SIF" link listed under the "Other Services" menu option and then click on the "Continue" button.
  • Browse to choose the file to upload and then click on the "Continue" button.
  • Finally, fill & sign the "WPS Debit Authority Form" and send it to any BOS branch.

e-Statements are electronic versions of paper statements accessed through your eBOS account rather than the Postal Office. They look just like paper statements, and contain the same information, yet you'll receive them sooner than before, usually on the day they're created.

Simply log on to eBOS, click on the "Subscribe to e-Statement" link. We'll send you notification emails whenever your latest statement is ready in eBOS.

  • Same Day Delivery - e-Statement virtually eliminates the waiting period by arriving the same day as your regular statement cycle.
  • Easy Storage - e-Statements can be stored on your computer giving you more flexible access.
  • Paper clutter is reduced; Print only when you need to.
  • You may convert your statement option back to paper copy at any time. Simply log on to eBOS, click on the "Unsubscribe from e-Statement" link
  • Worldwide Access - you'll have access when you need it...whether you're at the office, on vacation, or away on business.
  • It's FREE! - There is no charge for this convenient, time-saving service.
  • We do understand that you might require a paper statement for a particular period:
  • Simply select the "Statement Request" link from eBOS and a paper copy will be mailed to you.
  • The regular fee as per Schedule of Fees & Charges for Bank of Sharjah would be charged for every paper statement request.

Simply Click on the Account Name (or nickname) to display the account information in the middle of the screen and then click on the "View eStatement" button.

Bank of Sharjah’s eBOS Mobile App puts more at customers’ fingertips. It is available for use on Apple and Android devices allowing secure, quick and easy access to Bank of Sharjah account information 24 hours a day

eBOSMobile Banking is a downloadable application, which is compatible with Apple (iPhone & iPad) and Android devices. It provides you the ability to conveniently perform banking services similar to the Online Banking service.

You can download the application(s) to any of the supported devices directly from the vendor store:

  • Apple iTunes App Store
  • Google Play

You will need to use your Online banking registered user ID and password.

The PIN ensures that if you accidentally leave your phone down or lend it to a friend, your account details are not available to another user of the phone. You should choose a PIN that somebody else won't easily guess.

When you reset the PIN, the app will delete your account details that are stored on the phone. You will have to re-enter your banking user ID and password to get access again to your accounts.

You can tap the RESET PIN button on the PIN Entry screen to set a new PIN. When you reset the PIN, you will be prompted to re-enter your banking user ID and password before the new PIN is accepted.

If you wish, you can choose to log off the bank's server before you exit the app. When you do this, you will have to re-enter your banking user ID and password the next time the app is launched.

All data transmitted between the phone and your bank is secured by strong, industry standard encryption protocols.

An offline symbol will be visible at the top of your phone screen. You will be able to access historical account and transaction data stored on your phone. This data was last updated when the phone had an online connection to the bank's server.

The account details stored on the phone are updated when you launch the app and the phone has an online connection to the bank's server. When you are using the app, you can update the stored account details by pressing the refresh button.

Yes, as long as you have access to a network. Note: International Roaming charges may apply when you access the Internet from your phone while abroad.

eBOS App allows you to check and manage your accounts quickly, easily and flexibly. It puts you in control of managing your accounts.

Bank of Sharjah customers, who have at least ONE existing active account in the bank.

No. After receiving your username and password, you should activate your account by calling 800-88-eBOS (800-88-3267). A customer service representative will activate your account after verifying your identity.

Transfer within Own Accounts: To transfer (online) an amount of money between your own accounts. Transfer to Other BOS Accounts: To transfer an amount of money to another Bank of Sharjah customer. Transfer Request: To request a money transfer to a 3rd party outside Bank of Sharjah in both local banks and banks outside UAE.

Yes. Once you login to your account, expand the Debit Cards option in the main menu bar, then select ‘Activate’ or ‘Deactivate’ as necessary for the required card.