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Smart SMS

Complete a range of banking tasks via Smart SMS.

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Smart SMS is another one of our mobile banking services, giving you access to instant services and requests via SMS. With this easy-to-use service, you can:






  • Recharge or renew Wasel
  • Pay Etisalat and SEWA bills and enquire outstanding bill amount
  • Pay DEWA/ADWEA and Al Ain Distribution Company (AADC) bills
  • Check latest account balance/available credit card balance, minimum amount due and payment due date
  • Activate credit or debit card.
  • Generate or reset Telephone Banking PIN (TPIN)
  • Generate or reset Internet Banking PIN (IPIN).
  • Get information on last five transactions of FGB account or credit card
  • Register for e-Statements
  • Register for account alerts
  • Transfer funds between FGB accounts
  • Make FGB credit card payments
  • Recharge Salik account
  • Recharge DU account and pay DU bills

SMS Banking User Guide

Smart SMS Terms & Conditions