Value Account

A fully loaded account that gives you more than just savings and rewards.

Unbeatable access and banking freedom

  • Account available in AED only.
  • Cheque book facility – 5-leaf cheque book free upon opening your account.
  • International ATM/debit card.
  • 24-hour easy access through ATMs, phone banking, mobile banking and online banking
  • Bill payment facilities across a wide range of services.
  • Access to an extensive branch network
  • Monthly statement of account.

Value-loaded financial rewards

  • Maintain minimum balance of AED 3,000
  • Earn attractive interest rates on your account balances
  • Free* Emirates NBD credit card for the first year
  • Personal overdraft upon arrangement with the bank

*not applicable for Emirates NBD Skywards Platinum & Infinite cards

Insurance and lifestyle benefits

  • Free life insurance cover of AED 100,000
  • Free 24-hour roadside auto assistance
  • Free medical access card
  • Special offers across dining, shopping, travel, entertainment, health and lifestyle, with your Emirates NBD Debit Card. Click here for the complete list.

Interest rates are subject to change without notice. All credit facilities subject to bank approval. Terms and conditions apply.

Complete Account Opening Form in addition to the following (check where applicable)

For Individual & Joint account (UAE Nationals)

  • Copy of passport(s) and original passport(s) for validation
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    • Appointment Letter / Contract Copy
    • Pay slip (< 3 month old)
    • Consolidated letter from HR for bulk accounts
    • Most recent statement of account where customer's salary is being transferred

For Individual & Joint account (Residents)

  • Copy of passport(s), including residence visa page; as well as original passport(s) for validation
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    • Appointment Letter / Contract Copy
    • Pay slip (< 3 month old)
    • Consolidated letter from HR for bulk accounts
    • Most recent statement of account where customer's salary is being transferred

For Individual & Joint account (GCC Nationals)

  • Copy of passport(s) and original passport(s) for validation
  • Telephone/Electricity Bill

From July 1st, 2013, Value Account interest rates for new and existing balances have been updated as follows:

Product Interest rates (p.a.) Interest calculation based on Interest Pay-out (credit to account)
Value Account - AED
Less than AED 10,000Nil
AED 10,000 to less than AED 350,0000.25%
AED 350,000 to less than AED 3,500,0000.50%
AED 3,500,000 and above0.75%
Daily closing balances Monthly

Terms and Conditions apply. Interest rates are subject to change.