Cash Management Solutions

We provide solutions and assist our clients to manage their cash positions across various geographies.

Collection

Cash

Cash Pickup & Deposit

Manage your physical cash safely and efficiently with our secure collection and transportation solutions. Partnering with leading logistics providers, we ensure timely pickup, processing, and deposit of funds directly into client accounts. The service minimizes operational risk, enhances liquidity timing, and provides peace of mind through full traceability at every stage.

Smart Cash Deposit Machine (Client Premises)

Experience round-the-clock deposit convenience with our network of Smart Cash Deposit Machines. The solution allows businesses to deposit funds securely at any time, with instant account crediting and automated reconciliation. By enabling faster access to liquidity and reducing branch dependency, it delivers both efficiency and operational flexibility.

Cash Deposit via 3rd Party Counters

Expand your deposit options through our approved third-party deposit counter. Businesses can deposit funds conveniently at designated partner locations, ensuring timely credit and enhanced accessibility. This solution provides added flexibility for companies managing multiple outlets or operating across diverse locations.

Cash Delivery and Denomination Exchange

Manage your cash operations with ease through our Cash Delivery and Denomination Exchange service, offered in partnership with trusted cash-in-transit providers. Businesses can receive required denominations or replenish cash floats securely and on schedule. The service ensures convenience, control, and reliability, helping streamline daily operations and optimize branch or outlet cash readiness.

Cheque

Corporate Cheque Scan

Digitize your cheque deposit process with our Remote Cheque Deposit service. Businesses can scan, upload, and submit cheques directly from their premises, eliminating the need for physical delivery and reducing processing delays. The solution accelerates collections, improves liquidity visibility, and simplifies reconciliation across multiple locations.

Cheque Pickup & Deposit

Simplify your cheque collection process with our reliable Cheque Pickup and Deposit Service. Based on an agreed schedule, cheques are collected directly from client premises and securely delivered to the bank. Cheques are verified against the corresponding deposit slip and processed promptly as per the provided details. The service ensures timely deposits, reduces administrative effort, and enhances overall operational convenience.

Post-Dated Cheque Warehousing & Management

Simplify the management of post-dated cheques with our comprehensive warehousing and processing solution. We provide secure custody, timely presentation, and full digital tracking of cheques throughout their lifecycle. The service helps businesses eliminate manual follow-ups, reduce operational risk, and maintain complete visibility over upcoming collections, ensuring smoother cash flow planning and improved control.

Direct Debit

Enhance the efficiency of your recurring collections with our fully automated direct debit solution. The service enables businesses to move away from manual processing and paper-based instruments, ensuring seamless digital authorization and timely collections. Clients benefit from improved cash flow predictability, reduced administrative effort, and greater control over their receivables lifecycle.

Virtual Accounts

Virtual Account service is designed to facilitate collection of receivables & efficient reconciliation process, by providing accurate payer information to Mashreq Al Islami clients.

Liquidity Management

Manage your liquidity more effectively and optimise funding costs through our comprehensive liquidity management solutions. Our experts design tailored structures, including cash concentration, notional pooling, and profit enhancement solutions that maximise liquidity utilisation and returns while providing full visibility and control across account balances. We also help clients consolidate domestic and regional surplus cash through integrated profit enhancement and cash pooling solutions, including multi-bank sweeping, enabling greater self-funding to support business growth across the region.

Payments and Channels

Fund Transfers

We offer a comprehensive suite of payment solutions to help businesses transfer funds securely and efficiently:
• Book Transfers
• Domestic Fund Transfers
• Instant Payments
• Cross-Border Transfers
• Biller/Utility Payments
• Standing Instructions
• Cardless Cash
• Book Transfers

Each service is designed to offer speed, accuracy, and complete peace of mind.

Payroll

The corporate digital channel supports the following products and services:
• WPS Payroll
• Non-WPS Payroll
• Foreign Currency Payroll
• Employee Payroll Accounts

Electronic Cheque Printing

We offer secure, tailor-made cheque printing solutions for our clients on Corporate Online Platform.

• Tailored cheque printing solutions for corporates.
• Secure, on-demand processing onsite saves time and resources.

Host to Host Connectivity for Payments

SFTP & APIs-based integration. Industry standard file formats & bank’s proprietary file formats:
• SWIFT FileAct
• SWIFT MT101
• Workflows with authorization in customer’s ERP or bank’s online channel
• Automated real-time acknowledgments (Payments Status Report – PSR)
• Automated reconciliation (SWIFT MT940)

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