Pull your businessONLINE statements into your own systems

What you can build on businessONLINE

• Get an account statement

  Build this

  Opens an account from Account Services and reads its statement for the period you pick, line by line, with the opening and closing balance.

  Takes

  Account number, from date, to date

  Returns

  Account number, currency, opening balance, closing balance, and for each line: date, description, reference, debit, credit, balance

• List payments and their statuses

  Build this

  Reads the Payments transaction summary for a date range: each payment's bank reference, type, beneficiary, amount and status, such as Ready for Authorization.

  Takes

  From date, to date, status (optional)

  Returns

  Bank reference, payment type, debit account, beneficiary, amount, currency, value date, status

• Track a foreign currency payment

  Build this

  Opens the Payment Tracker for one foreign currency payment by its bank reference and reads its SWIFT gpi status, the banks it passed through and the fees each took.

  Takes

  Debit account, payment date, bank reference

  Returns

  Bank reference, gpi status, amount sent, amount received, charges (OUR, BEN or SHA), banks involved, fees deducted by each bank, reference numbers

• Initiate a foreign currency payment

  Build this

  Fills in Foreign Currency Payment under Initiate > Payments for a saved beneficiary and submits it, so it waits for your authorizers in Pending Activities.

  Takes

  Debit account, beneficiary nickname, currency, amount, charges, purpose of transfer, description, reference

  Returns

  Bank reference, beneficiary, amount, currency, status

Automate businessONLINE with a workflow

A workflow runs your methods as one process, with nobody at the screen. A schedule or a call from your own system starts it, the steps run in order, and the result arrives in your inbox or in the systems you already use.

• Yesterday's statement lines, posted to your ERP

  Build this

  Starts

  Every weekday at 7:00, Dubai time

  Step 1

  For each account you name, get the account statement for the previous day.

  Step 2

  Stop when no account has a new line.

  Step 3

  Post each line, with account, date, description, reference, debit, credit and balance, to your ERP webhook.

• Payments waiting for authorization or release

  Build this

  Starts

  Every weekday at 9:00, Dubai time

  Step 1

  List the payments of the last 7 days.

  Step 2

  Keep the ones in Ready for Authorization or Ready for Release.

  Step 3

  Email you the list, grouped by status, with bank reference, beneficiary, amount and value date.

• Foreign currency payments, gpi status changes

  Build this

  Starts

  Every weekday at 14:00, Dubai time

  Step 1

  List the payments of the last 5 days and keep the foreign currency ones that are Processed By Bank.

  Step 2

  For each one, track it in the Payment Tracker.

  Step 3

  Keep the payments whose gpi status changed since the last run and post them to your webhook.

You can run a workflow by hand on every plan, Free included. Schedules and webhook triggers come with the paid plans, from $29 a month.

Once built, one call from your code

Once you have built a method, it is one POST to /v1/runs from your backend, or a tool an AI agent calls over MCP. This is what “Get an account statement” would look like.

curl https://api.fous.com/v1/runs \
  -H "Authorization: Bearer $FOUS_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "method": "businessonline.emiratesnbd.com/get_account_statement",
    "input": {
      "account_number": "1015000000001",
      "from_date": "2026-11-11",
      "to_date": "2026-11-11"
    }
  }'

{
  "status": "completed",
  "data": {
    "account_number": "1015000000001",
    "currency": "AED",
    "from_date": "2026-11-11",
    "to_date": "2026-11-11",
    "opening_balance": 482310.55,
    "closing_balance": 455885.3,
    "lines": [
      {
        "date": "2026-11-11",
        "description": "Inward transfer from Northwind Trading LLC",
        "reference": "INV-2026-0418",
        "debit": null,
        "credit": 18500,
        "balance": 500810.55
      }
    ],
    "count": 1
  }
}

An example with invented data, not a ready-made endpoint. The method exists in your organization once you build it, and its name, inputs and fields follow your request.

BusinessONLINE’s own options

Emirates NBD offers API Banking for account, payment, trade, information, virtual account and notification services, with a Developer Portal and onboarding by its API implementation team. businessONLINE Connect exchanges files between your ERP and the bank host to host. Prices for either are not published on these pages.

Read on November 12, 2026: Emirates NBD API Banking, businessONLINE Connect, How to access your statements.

Signing in to businessONLINE

businessONLINE asks for your Subscriber ID, User ID and password, then a one-time PIN sent by SMS or a Smart Pass token generated in the businessONLINE X app. With Fous you sign in through businessONLINE's own sign-in with your own user. The login is sealed with AES-256, never returned by the API or written to logs, and code and AI agents never see it.

Worth knowing

Payments wait for your authorizers

A submitted payment shows Ready for Authorization until each required authorizer approves it in Pending Activities with an OTP or PIN. It may then need a release before it shows In Process at Bank.

gpi tracking covers foreign currency only

Only foreign currency payments can be tracked, and only once their status is Processed By Bank. AED payments to banks in the UAE do not go through SWIFT, so they cannot be tracked.

Five days per tracking search

Payment Tracking searches one debit account and a date range of at most 5 days, so a method that tracks older payments takes the payment date as an input.

One subscriber, many users

Each user signs in with the company's Subscriber ID and their own User ID. businessONLINE places no limit on the number of admins.

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