For residents looking to access their bank accounts and make transactions in daily life or visitors in need of banking services while traveling, the Commercial Bank of Dubai ATM network provides one of the most robust and functional banking-on-the-go experience in the UAE. CBD’s network of machines spans several emirates and is evolving into smart ATMs with many features. From ATM locations to transaction limits and card-less ATM withdrawals to deposit machines, this comprehensive guide has you covered to ensure you get the most from each visit.
What is Commercial Bank of Dubai ATM (CBD)?
The Commercial Bank of Dubai ATM (CBD) is one of the oldest and most trusted financial institutions in the UAE, established by an Amiri decree in 1969 by the late Sheikh Rashid bin Saeed Al Maktoum. The bank’s offices are located in the Deira district of Dubai and the bank is publicly listed on the Dubai Financial Market (DFM: CBD), with total assets of AED 140.2 billion and a net profit of AED 3.03 billion in 2024, representing its strong position in the regional banking market.
CBD’s customer base consists of individuals, families, and businesses, offering a full-range of products and services, including personal loans, credit cards, home finance, wealth management, corporate banking, and Shari’ah-compliant products under the CBD Al Islami brand. All of these services are backed by a real ATM and branch network ensuring cash and self-service banking is available nationwide.
Overview of the Commercial Bank of Dubai ATM Network
CBD has a network of 155 ATMs strategically placed across the UAE with 13 branches in key cities such as Dubai, Sharjah, Abu Dhabi, Ajman, Ras Al Khaimah, Al Ain, Mussaffah, and Fujairah. This geographical coverage ensures that, whether you’re in the bustling heart of Dubai or a more secluded corner of the Northern Emirates, a Commercial Bank of Dubai ATM is never far behind.
In addition to the key areas mentioned above, the areas where CBD ATMs are available are also key.
- Dubai — Deira, Bur Dubai, Karama, Al Muraqqabat, Al Quoz, Al Garhoud, Sheikh Zayed Road, Dubai Festival City
- Sharjah — Main commercial and residential areas
- Abu Dhabi — Financial capitals
- Ras Al Khaimah, Ajman, Al Ain and Fujairah — Regional branches that offer attached ATMs
ATMs located in or near CBD branches tend to have the most features, while those in kiosk types may be limited to cash dispensing. Please check the official CBD Branch & ATM Locator on cbd.ae for the specific features of each machine before heading to it.
Variety of Different Types of Commercial Bank of Dubai ATM Machines Available
Not all CBD ATMs are the same. The bank’s self-service machines are classified according to their capabilities, a detail which is important to help save customers trips.
1. Cash Dispenser ATMs
Most common form of. These machines process normal cash withdrawals with a CBD debit card, credit card or supported card from another bank. They are quick, plentiful and suitable for everyday cash requirements.
2. Cash Deposit Machines (CDMs)
CDMs deposit cash directly to eligible CBD accounts. These machines are especially valuable for business customers or those who work with cash on a regular basis and do not wish to be exposed to queues in their bank branches. The cash deposit limit for the Personal Segment has been set at AED 40,000 per day, and for the Direct Segment, at AED 10,000 per day. Any amount over these limits will have to be put through on a teller in the branch.
3. Cheque Deposit Machines
Some CBD ATMs allow cheque deposits. The funds are delayed from being available as cheques are processed as per the UAE clearing timelines. These machines are usually located in full-service CBD locations.
4. Multi-Function ATMs
Many of the newer CBD machines can allow you to do more than one thing, such as cash withdrawal, cash deposit, cheque deposit, bill payment and fund transfer. These multi-function terminals provide the most similar experience to a mini-branch and are best for customers who would like to accomplish several tasks in one visit.
Commercial Bank of Dubai ATM Services – What You Can Do at the Machine
Commercial Bank of Dubai ATM platform provides a wider spectrum of transactions than that what most customers know. Available services are breakdowned as follows:
Cash Withdrawal
The basic operation of an ATM. CBD debit cardholders are able to make withdrawals 24 hours a day. The maximum amount that can be withdrawn for Personal Segment customers from the daily cash withdrawal limit is AED 20,000, which is the same amount applicable to point-of-sale (POS) outlets and non-Commercial Bank of Dubai ATM outlets. The limits are per customer segment, so that the limit for one customer segment (e.g. Elite) can differ from another (e.g. Business).
Cash Deposit
Only works on machines with CDM. Users transact with physical notes by simply dropping them into their bank account without completing a bank slip and waiting on a teller. This is a great time saver for entrepreneurs, landlords, and retail business owners.
Cheque Deposit
Accepts customer’s cheques as drops outside of branch hours, subject to the standard cheque processing times.
By Account Bill Payment
This is a facility exclusively offered to CBD account holders which allows customers to pay utility bills, telecom bills and other registered billers directly from their linked accounts at the ATM.
Bill Payment using Cash
This is a more inclusive alternative that was provided to both CBD customers and non-CBD customers at enabled machines. Great for paying bills without CBD bank account required.
Transfer Money by Account
ATMs are currently available for some CBD customers to make fund transfers between their accounts, which means users can easily transfer money between their own accounts or pay out debts to people within the organization without accessing their phone banking.
Balance Enquiry
An instant verification of your available Fab balance check without any cost, for debit card users, at any Commercial Bank of Dubai ATM.
The Costs and Charges of CBD ATMs
Knowing how the costs work allows you to use CBD ATMs more efficiently.
The bank charges are as follows:
| Transaction Type | At Commercial Bank of Dubai ATM | At Non-CBD UAE ATM |
| Cash Withdrawal (Debit Card) | Free | AED 2 per withdrawal |
| Balance Enquiry (Debit Card) | Free | AED 1 per enquiry |
| Cash Withdrawal (Credit Card) | Applicable charges apply | Applicable charges apply |
You can use your CBD Debit Card at any Commercial Bank of Dubai ATM without any charges. Fees apply only when you use your card at other banks’ ATM in UAE, and may also apply when using your card at ATM in other countries, depending on the type of your card. The interest and fees for credit card cash advances are different from credit cards, and should be avoided unless it is a real emergency.
Cardless Cash Withdrawal Banking Without Your Card
One of the most innovative features on the Commercial Bank of Dubai ATM network is Cardless Cash Withdrawal. This service will allow customers to withdraw up to AED 2,000 per day from any Commercial Bank of Dubai ATM without requiring a physical credit or debit card, via the CBD Mobile Banking App.
How It Works
- Log in to the CBD Mobile Banking App on your registered smart phone.
- Click on Cardless Cash Withdrawal and select the amount you would like to withdraw.
- Secure 1 time code is generated in the App.
- Go to the ATM and choose Cardless Withdrawal on the screen and enter the code.
- Collect your cash.
The feature comes in handy if you’ve left your card at home or it has been lost or stolen, or you need to send some cash to a family member or employee. Commercial Bank of Dubai ATM has also introduced a wholesale banking version of cardless withdrawal – which allows institutional clients to transfer or withdraw funds remotely.
Where to Locate Commercial Bank of Dubai ATM Close by you
There are a number of ways to find a Commercial Bank of Dubai ATM near you:
Official CBD Website
You can go to cbd.ae/general/branch-atm-locator, and filter the search by type of machine and location using the interactive map. There is the option to filter for cash deposit machines, cheque deposit machines or 24 hour ATM machines to make sure you are at the right machine for what you need.
CBD Mobile Banking App
The app also includes a locator function, which allows the user to see the closest CBD ATMs and branches in real time, their services, and the hours they’re open, via the GPS of their device.
Third-Party Mapping Platforms
Commercial Bank of Dubai ATM locations are listed by platforms like Google Maps, HiDubai and On-Dubai.com, and details are user-contributed. These are for general reference only and do not necessarily indicate the latest up to date machine capabilities or temporary closures.
Commercial Bank of Dubai ATM Operating Hours
Most standalone CBD ATMs operate around the clock, every day of the year, so they will be reliable in case you need cash late at night. Machines installed in a shopping mall, hotel lobby or other location, however, may be available only during the host venue’s hours of operation. When a branch of a financial institution is closed, sometimes the ATMs in the lobby area are closed as well, but they are still located on a branch.
Practical Tip: When using a mixed-use or retail ATM, always check the availability on the official ATM locator for 24 hours before travelling to the location outside of the usual business hours.
Sale of CBD Products via ATMs to non-CBD Customers
If you don’t have a CBD account, you can still use some CBD ATMs for the following:
- Cash withdrawals with other national or international banks’ debit and credit cards (Visa, Mastercard and UAEFTS network).
- Bill payment from cash at machines with enabled cash bill payment feature
It is important for non-CBD cardholders to note that their own bank can charge a fee for using ATM’s in other countries, in addition to any foreign card conversion fees.
CBD Al Islami ATM Access
CBD Al Islami Shari’ah-compliant customers can access the same ATM network as conventional CBD customers. The CBD Al Islami ATM and branch locator can be found at cbdislami.ae, and the machine type (cash dispenser, CDM or multi-function terminal) are the same.
Security Measures at CBD ATMs
The adoption of the digital-first strategy by CBD since 2018 also includes ATM security. Some of the important security measures are:
- To mitigate risks of card skimming, adopt EMV chip-enabled card readers.
- All machines have encrypted pin entry pads
- Session timeouts to prevent unauthorized access if a card is left in the reader
- When mobile alerts are turned on, real-time alerts will be sent via SMS and the app for every ATM transaction.
- If a customer’s card is captured by the machine, they are urged to immediately call the CBD helpline (600 575 556) and provide the location of the ATM and time of capture.
The one time code produced in the mobile application is time bound, therefore giving an extra layer of safety from unauthorized usage with the cardless cash withdrawal option.
Merger of ATM Use with CBD Digital Banking
In recent years, CBD has been aggressively moving towards a digital-first transformation, such as having become the first bank in the UAE to implement Open Finance fully in live operations as part of the Central Bank’s AlTareq initiative in December 2025. This overall digital transformation directly impacts the relationship between ATMs and online and mobile banking.
Customers can through CBD Mobile Banking App:
- Set up cash withdrawals without a card in advance of coming to the ATM
- View account activity and transactions
- Temporarily freeze or unfreeze their debit card
- Custom withdrawal limits for added control
- Find the closest CBD ATM/branch
This is because the app is fully integrated with the Commercial Bank of Dubai ATM network, giving customers greater control and transparency over cash transactions than ever before.
Few Tips to Consider make the most of your Experience at a Commercial Bank of Dubai ATM
- Only use CBD ATMs to make debit transactions to avoid the AED 2 fee for non-CBD ATM withdrawal.
- Don’t use any machine that is not the right type for the job; not all ATMs can take deposits.
- Allow notifications for mobile devices so each ATM transaction is instantly seen in your app
- If you do not ever have a card, take advantage of the cardless withdrawal.
- Know daily limits beforehand and for larger amounts of cash, a branch teller will provide cash for sums that exceed the ATM limits.
- Notify CBD support immediately if your card is confiscated or a transaction does not dispense cash 600 575 556.
Frequently Asked Questions (FAQs)
1. What is the number of CBD ATMs in UAE?
CBD has a network of 155 ATMs in Dubai and other emirates like Sharjah, Abu Dhabi, Ajman, Ras Al Khaimah, Al Ain and Fujairah.
2. Is it free to use a Commercial Bank of Dubai ATM with a CBD debit card?
Yes. Withdrawals and checking your CBD card balance is free with any CBD ATM.
3. How much cash can be withdrawn per day from the CBD ATMs?
The customers of Personal Segment can withdraw a maximum amount of AED 20,000 per day from the Commercial Bank of Dubai ATM. The same cap is in place at the point of sale and non-CBD ATMs.
4. How much cash can you deposit per day at CBD ATMs?
Customers of Personal Segment can use CBD ATMs to make deposits of up to AED 40,000 per day. Direct Segment limit: AED 10,000. More will need an in-branch teller.
5. Is it possible to get cash from a Commercial Bank of Dubai ATM without a credit card?
Yes. Withdrawals can be made at any CBD ATM with the CBD Cardless Cash Withdrawal feature, up to AED 2,000 per day, via CBD Mobile Banking App.
6. Is it possible for non-CBD customers to utilize CBD ATMs?
Yes. The CBD ATMs are available for cash withdrawals (Visa, Mastercard, UAEFTS network) by non-CBD Card holders. Non-CBD customers can also pay for bills using cash at certain machines.
7. Are CBD ATMs available 24 hours?
Most of the time, CBD ATMs are open round-the-clock. ATMs inside shopping malls or at the lobby of hotels may, however, have access times that are different from the host venue. Check on the official CBD ATM locator.
8. What if my Commercial Bank of Dubai ATM doesn’t accept my card?
Contact the CBD Customer Service right away at 600 575 556. So as to make the resolution easier and faster, provide the ATM location and the exact time of the incident.
9. Can you use cheques to deposit on CBD ATMs?
Yes, CBD ATMs, which are usually located at full-service locations, do accept cheque deposits. As per UAE banking regulations the clearing timelines will be applicable.
10. Where is the closest Commercial Bank of Dubai ATM?
Find an official Branch & ATM Locator on cbd.ae, via the GPS feature in the Mobile Banking App or on third-party platforms like Google Maps. Before visiting please check machine capabilities on the official locator.
Final Thoughts
The Commercial Bank of Dubai ATM network is a highly organised, rapidly evolving and intelligent ecosystem that enables not only cash withdrawals but also cardless transactions, multi-service deposits and much more. CBD’s 155 ATMs are spread throughout the UAE and the bank is introducing more digital services as it pursues its goal of becoming the UAE’s top digital-first bank, while ATM fees for CBD debit cardholders are also zero.
For first-time users, daily cash management needs, or simply seeking the nearest and most convenient ATM, it is essential to grasp the functioning of the CBD ATM network, giving you the confidence to control your banking journey.
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