EI 2.0 (branded as EI +) from Emirates Islamic Bank P.J.S.C is a mobile banking app built to deliver Shariah‑compliant financial services for UAE customers. The app consolidates account management, bill payments, card controls, international transfers, and a digital wealth offering into a single mobile channel, while emphasizing speed and security. It targets individual and business customers who require everyday banking and Shariah-aligned investment access on standard Android devices and convenient self-service.

Quick international remittances shorten transfer latency

QuickRemit is positioned for fast cross-border remittances to major corridors such as India and Pakistan, often completing transfers within 60 seconds. The app also supports standard bank rails for other destinations, so users can switch between instant and regular channels. For remittance-heavy professionals and small businesses, this reduces transfer latency and preserves traceability through in-app transaction records.

The in-app Islamic wealth platform brings trading into everyday banking

The app integrates a Shariah-compliant digital wealth platform that allows equity trading and portfolio tracking within the mobile channel. It covers local and selected international markets, placing market access alongside regular account functions so investors avoid separate broker portals. That arrangement suits retail investors seeking Shariah‑aligned exposure without moving between multiple apps, while requiring users to understand market risks before trading.

Authentication choices reduce reliance on SMS OTPs

Security features combine biometric sign-in (Fingerprint and Face ID) with Smart Pass, an SMS-free transaction authorization that uses a personalized four-digit PIN. Smart Pass removes SMS reliance for authorizing payments and card changes, and biometric unlock shortens routine access. Professionals handling sensitive transfers or corporate cards gain layered authorization options tied to the user's device.

Onboarding, platform support, and in-app services reflect practical trade-offs

Registration requires an account, credit or debit card number, date of birth, email verification link, and an SMS code, a multi-step flow that prompted initial user feedback about hurdles. Other in-app services include bill payments and an ATM/branch locator with remote queuing ticket generation:

• Utilities and government services (DEWA, SEWA, RTA)
• Telecommunications (Etisalat, Du)

The app suits users who want a single Shariah-compliant banking hub

The app fits UAE individuals and small businesses that prefer a single mobile hub for Shariah-compliant banking and portfolio oversight, and for professionals who manage multiple financial responsibilities on a phone. It favors users comfortable with a full-featured app rather than single-purpose utilities. For those who need a compact, narrowly focused tool, the app's broad scope may be more than required; otherwise it serves as a capable mobile banking hub.