• How can I open an Account?

  It's easy to start an Emirates NBD Account. Simply visit any of our branches or visit our website and get our representative to contact you. Your Account will be opened within two working days.

• What information/ documents do I need to provide to open an account?

  Documents required for individuals*:

  • Copy of passport(s) and 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

  Documents required for non-individuals*:

  • Commercial/Federal registration certificates (wherever applicable)
  • Certificate of commencement of business (for Joint Stock Companies)
  • Not applicable for company under formation
  • Power of Attorney, if applicable
  • Passport copies of the authorized signatories
  • BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
  • Memorandum and Articles of Association to ascertain the period of company
  • For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

  *additional documents may be required as per Bank policy

• How do I update my registered address on the Account(s)?

  Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch

• How do I update my mobile number on the Account(s)?

  You can easily update your mobile number through our Mobile App or any of our ATMs.

  How to update your mobile number through the Mobile App:

  Login > select Security Centre > select Mobile Number Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your mobile number through an ATM:

  Go to Main Menu > Select Requests > Select Mobile Number Update

• How do I update my registered email address on the Account(s)?

  You can easily update your Email Address through our Mobile App or any of our ATMs.

  How to update your Email Address through the Mobile App:

  Login > select Security Centre > select Email Address Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your Email Address through an ATM:

  Go to Main Menu > Select Requests > Select Email Address Update

Show More

• How can I open an Account?

  It's easy to start an Emirates NBD Account. Simply visit any of our branches or visit our website and get our representative to contact you. Your Account will be opened within two working days.

• What information/ documents do I need to provide to open an account?

  Documents required for individuals*:

  • Copy of passport(s) and 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

  Documents required for non-individuals*:

  • Commercial/Federal registration certificates (wherever applicable)
  • Certificate of commencement of business (for Joint Stock Companies)
  • Not applicable for company under formation
  • Power of Attorney, if applicable
  • Passport copies of the authorized signatories
  • BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
  • Memorandum and Articles of Association to ascertain the period of company
  • For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

  *additional documents may be required as per Bank policy

• How do I update my registered address on the Account(s)?

  Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch

• How do I update my mobile number on the Account(s)?

  You can easily update your mobile number through our Mobile App or any of our ATMs.

  How to update your mobile number through the Mobile App:

  Login > select Security Centre > select Mobile Number Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your mobile number through an ATM:

  Go to Main Menu > Select Requests > Select Mobile Number Update

• How do I update my registered email address on the Account(s)?

  You can easily update your Email Address through our Mobile App or any of our ATMs.

  How to update your Email Address through the Mobile App:

  Login > select Security Centre > select Email Address Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your Email Address through an ATM:

  Go to Main Menu > Select Requests > Select Email Address Update

• How do I change my name on the Account(s)?

  You can change the name on your account by visiting the nearest Emirates NBD branch with the following documents:

  • Original Passport
  • Emirates ID

  Kindly note if it is a company account, please get the attested or original Trade License

• How do I update the signature on my account(s)?

  Your signature for the account can be updated by visiting a branch

• How do I add or remove a joint account holder on my account(s)?

  To add or remove a joint account holder, both the parties must visit an Emirates NBD branch with the following documents :

  • Original passport of both parties
  • Emirates ID of both parties

  Please note: Khulasat-Al Qaid is also accepted for UAE nationals

• Can I open an account for my children (below 18)?

  The account will be setup as a Minor account for any person below the age of 18 as per the Gregorian calendar. The guardian needs to visit a branch with all the documents of the guardian and child, required for account opening. The Minor need not visit the branch. Only a Savings account can be opened for Minors. A debit card can be issued in the name of the guardian. Cheque books are not issued for Minor accounts.

• How do I add a Power of Attorney (POA) holder to my Account?

  To add a Power of Attorney holder, please visit a branch with a Dubai Courts notarized POA

• What are the options available to view my Account balance and statements?

  Account balances and statements can be viewed through online banking and Mobile banking. Mini statements can be obtained through ATMs and IVR. If you have registered your email address with the bank, the e-statement will be sent to your mailbox periodically depending on your statement generation cycle. Statements can also be requested for at a branch or through a call center agent for which there will be a nominal fee levied.

• How do I request for a duplicate statement for my account?

  Statements can be downloaded free through online banking and also through IVR. You can also request for duplicate statements at a branch or through a call center agent for which there will be a nominal fee levied.

• How is my average monthly balance calculated?

  Average monthly balance calculation is a function of balance maintained in the account calculated over period of days the balance is maintained. Average balance is calculated at customer level; hence the balance in Current, Savings and Fixed Deposit accounts will be considered to compute the average balance. E.g. If you maintain AED 5,000 in your account from the first day of the month till the last day of the month, then average balance will be AED 5,000 for that calendar month. If you maintain zero balance for first 15 days and maintain AED 10,000 for the next fifteen days, the average balance will also be AED 5,000 for that calendar month.

• Am I eligible to request for a cheque book?

  Current account holders are eligible for a cheque book. First cheque book on account opening is free; on subsequent requests for cheque books, charges are levied as per schedule of charges.

• How do I request for a cheque book?

  Cheque book can be requested through online banking, mobile banking, ATMs and branches.

• How can I place a stop payment on my cheque?

  To place a stop payment on a cheque which is not yet presented, you need to visit a branch and submit a formal request. Instructions for stop payment of cheques is accepted in the following conditions only:

  • If the cheque/ cheque book is lost or stolen. A police report needs to be presented in case of lost/ stolen cheque.
  • The bearer of the cheque has become bankrupt/ insolvent. A court order is required providing insolvency/ bankruptcy of the bearer.

   

• How do I close my Account?

  For account closure, you need to visit a branch to submit the request for closing the account.

• What will happen to my Direct Debits and Standing orders when I close my account?

  Direct debits and standing instructions will be cancelled on closure of the account. In case of an active loan with direct debit setup, the account cannot be closed till an alternate payment mode is arranged or the loan is settled.

• I have Credit Cards/ Personal Loan/ Auto Loan/ an Overdraft as well, do I need to close these if I am submitting a request to close my account?

  On account closure, Credit Card can continue to be active. For Loans and Overdraft, alternate payment mode has to be arranged, for which has to be discussed and agreed with the bank's representative and the decision taken will solely be based on bank's discretion

• Do I need to submit my unused cheques/ cheque book/ Debit Card when I close my account?

  On account closure, unused cheques and Debit Card have to returned to the bank as a best practice. In case of inability to submit, the remaining cheques and the Debit Card will be de-activated as part of closure process.

• How will I know when my account is closed?

  On account closure, online banking account status will be shown as closed. Alternatively, you can request the bank for a closure confirmation.

• If I have a credit balance in my account, how can I receive my funds?

  You can transfer the credit balance to another bank account. Alternatively, you can request the bank to send a manager's cheque to your registered mailing address after netting off all dues to the bank.

• Are there any requirements to apply for a Liability / No Liability letter?

  Yes, you will have to submit the requisite form(s), duly completed to apply for a No Liability Letter. On a case to case basis, other documents might be requested through the branch.

• What are the steps to apply for a Liability/ No Liability Letter ?

  You can submit the application for Liability / No Liability Letter at your nearest Branch, Call Center OR through Online banking. On successful completion of your application, you will be provided with a reference number to track your request.

• What is the difference between a Clearance Letter and a No Liability Letter?

  Clearance Letter states that a specific liability has been cleared while a No Liability Letter states the customer has no existing liabilities.

• Do I have to pay any charges for Liability / No Liability letter?

  Yes, a fee of AED 50, as outlined in the Schedule of Fees and Charges on Bank's official website is applicable.

• What is the time frame to process and issue a Liability / No Liability Letter request?

  Liability / No Liability Letter will be issued within the bank's defined service standard of 7 (seven) business days.

• How will I know that the Liability Letter / No Liability Letter is ready?

  As soon as the letter is ready, you will receive an intimation message on your registered mobile number.

• Where can I collect the Liability / No Liability Letter once it is ready?

  The letter can be collected from the nearest branch based on your convenience, except mall branches. Click here for branch locations.

• What is the validity of the Liability / No Liability Letter?

  Liability / No Liability Letter is valid for 15 days from the date of issuance

• What is an Account e-Statement?

  e-Statement is an electronic version of your banking statement. This statement is sent to you on your email address in the same frequency of your paper statement. You can view, save or print your statement right from your computer.

• What are the benefits of registering for Account e-Statements?
  • e-Statements give you the convenience to receive and view your Account statements at anytime, anywhere. You can also save your e-Statements, and print them at your convenience.
  • Eco-Friendly: E-Statements save papers, ultimately saving trees!
  • e-Statements ensure timely delivery of your statements. No more waiting for your mail to arrive.
  • It's secure; your e-Statement will not be lost or stolen in the mail.

• Am I eligible to subscribe to Account e-Statements?

  Any Emirates NBD customer holding an active account can subscribe to e-Statements.

• How do I register for Account e-Statements?

  All our existing customers registered for online banking are subscribed for e-Statement by default, for new customers they can select either e-statement or paper statement or both at the time of opening the account.

  Customer can subscribe for e-Statement also by calling Customer Service Centre on 600 54 0000 or by submitting a request at the branch.

  For joint accounts, the request must be signed by both the account holders at the branch, if the mode of operation is stated as "AND".

• How secure is the e-statement functionality through my Mobile Banking?

  Emirates NBD Mobile Banking application is secure and enables a more convenient and speedy way to transact using your mobile while on the move Emirates NBD Mobile Banking can be accessed using a registered online banking user ID and password. The User name and password are not stored on the handset. In case of entering your password incorrectly 3 times the application will be disabled. The session will be logged off automatically if it is inactive for 3 minutes

• Is my Account e-Statement secure?

  Your e-Statement is delivered to the email address you specify. It is in fact, more secure than your paper statement as only you have the access to your email account.

• How frequently will I receive my Account e-Statements?

  e-Statement has the same frequency as your paper statement.

• How will I get my Account e-Statement?

  Your e-Statement will be sent in PDF format to your registered email address in our records.

• Is my Account e-Statement password protected?

  Yes, the e-Statement is password protected, and the password is the first 4 characters of your name, followed by 4 digits of your date and month of birth (DDMM). Spaces and dots are not part of the password.

• How can I change my subscription email address to receive my Account e-Statement?

  You can easily update your Email Address through our Mobile App or any of our ATMs.

  How to update your Email Address through the Mobile App:

  Login > select Security Centre > select Email Address Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your Email Address through an ATM:

  Go to Main Menu > Select Requests > Select Email Address Update

• Can I have my Account e-Statements sent to two different email addresses?

  No, e-Statements will be sent to your preferred email address registered in our records.

• Will my Account e-Statements look the same as my paper statement?

  Yes, your e-Statements will have the same look and feel of your paper statement, but your account number and your address will be masked for your own security.

• Can I print my Account e-Statement?

  Yes. If your computer has access to a printer, you may print any e-Statement file from the Adobe® Acrobat® Reader® software by selecting the printer icon in the tool bar at the top of the page. Or, choose the "File" menu in the upper-left hand corner of the screen and select "Print." You may print the entire statement or choose to print a specific page.

• Do I need additional software to view my Account e-Statements?

  You require Adobe Acrobat Reader version 6.0 or above. If you do not have Acrobat Reader on your computer, please download version 6.0 or above of the free software from the Adobe website.

• Is there a charge for Account e-Statements?

  e-Statements are free.

• How do I cancel my Account e-Statements?

  You can switch back to the paper version of your statement at any time by calling Customer Service Centre on 600540000 or by visiting any Emirates NBD branch.

• What if I haven't received my Account e-Statements or the details in my e-Statement are incorrect?

  Please notify us of any discrepancies immediately by calling our 24 hours Customer Service Centre on 600 54 0000

• I have several accounts with Emirates NBD - do I need to enroll each Account e-Statement separately?

  Yes, a customer can subscribe for an e-Statement through Online Banking or by calling Customer Service Centre on 600 54 0000 or by submitting a request at the branch.

• Can I enroll and view e-Statements for all of my accounts?

  e-Statements are available for both checking and savings accounts.

• Can I view my Account e-Statement on Ipad, Android and Iphone?

  As long as Acrobat reader is installed on the handheld, you can view e-Statements on an Ipad, Android and Iphone.

• I am changing my job. What do I need to do? Do I need to inform my bank?

  Yes, once you inform us, we will be able to update you about the applicable procedures and documents required.

• I have lost my job. What do I need to do? Do I need to inform my bank?

  Yes, once you inform us, we will be able to update you about the applicable procedures and documents required. This will help you in continuing your liabilities with us.

• Does Emirates NBD have the right to adjust my End of Service Benefits (EOSB) towards my loan without my consent? Or without informing me?

  Yes, as per the terms and conditions on the loan contract, the Bank has the right to adjust the End of Service Benefit amount towards the loan.

• Will I get a notification when my account and/or the amount that is put on hold due to End of Service Benefits notification being received?

  Yes, you will be contacted once the End of Service Benefit notification is received and will be aware about the End of Service Benefit amount kept on hold

• Can I continue with my salary transfer account if I change/ lose my job?

  Yes, you can continue with the salary transfer account even after change / loss of job as long as your new employer/company transfers your salary to Emirates NBD as a salary transfer

• I will receive higher salary from another company, do I need to inform my bank?

  Not necessary, it is up to you if you want to inform the bank. It is however, recommended that you keep Emirates NBD updated so that you can be offered services in accordance to your profile.

• I will receive lower salary from another company, do I need to inform my bank?

  Yes, it is necessary for you to inform the bank if your salary from another company is lower

• Will I get charged if my salary doesn't get transferred to the account?

  Yes, your End of Service Benefits amount will be adjusted towards your liabilities. The interest charges of the personal loan will also increase if your salary gets transferred to another bank.

• If my salary doesn't get transferred to the account, after how long will I get charged?

  The charges will be applied after 30 to 45 days

• What documents do I need to submit to ensure all requirements of job change are met?

  You will need to provide the below mentioned documents:

  In case you have a Credit Card and Auto loan
  - Salary transfer letter
  - Stamped visa and passport copy
  

  In case you have a Personal loan
  - Salary transfer letter
  - Stamped visa and passport copy
  - Customer's salary from the new employer need to be transferred to the account

   

• My account/End of Service benefit is on hold, when will I receive my funds?

  When you submit all the required documents by the bank, the End Of Service Benefit funds shall be released.

• What will happen to my loans/ credit cards if I change/ lose my job?

  Your card(s) will be blocked temporarily till we receive the new job documents and you need to continue the payments for the loan(s) on time.

• I am not in the country and cannot provide the documents requested. Will my account/End of Service benefit be put on hold?

  Yes, your account will be kept on hold until the required documents are received

• Is there a specific format in which the documents need to be submitted if I change my job?

  Yes, you will need to provide the salary transfer letter in the specific format for Emirates NBD

• I am in touch with the branch/ RM and arranging the documents, then why is my account/End of Service benefit put on hold?

  The accounts will need to be put on hold since you have changed your job and without receiving new employee documents, the End of Service benefit amount cannot be released.

• I have never defaulted on any payment, will my account/ End of Service benefit still be blocked?

  Yes, as per bank policy if you have any liability with the bank, the outstanding amount of the liability shall be blocked from the End of Service Benefit amount.

• My current bank balance is higher than the loan amount I have, will my account / End of Service benefit still be blocked?

  Yes, if you have a loan with Emirates NBD, the outstanding amount of the liability shall be blocked from the End of Service Benefit amount.

• Can the bank block my End of Service Benefit partially so that I can cover other expenses?

  The outstanding amount of the liability shall be blocked from the End of Service Benefit amount. If the outstanding amount is equal to the End of Service Benefits received then the entire amount will get blocked and not partially.

• I need some money urgently/ I have an emergency/ I have to travel/ I am overseas/ can the bank release some funds from my account/End of Service benefits?

  For Personal Banking Customers: In this case, you need to contact our End of Service Team on 600540040 or leftjob@emiratesnbd.com. We will try to make some exceptions.

  For Priority Banking & Business Banking Customers: In this case, you need to contact your Relationship Manager. We will try to make some exceptions.

• My loans are lesser compared to my gratuity then why is the entire amount/ End of Service benefits put on hold?

  We will need to check this. If your gratuity is more, then the entire amount will not be put on hold.

• I have already submitted the required documents, then why is the hold/End of Service benefits not released?

  We may have faced some delay in receiving the documents. Kindly follow up with the branch or your RM where the documents were submitted

• I have submitted all the required documents, when will the hold on account/End of Service benefits be released?

  Once we receive all your documents, it will take 1 to 2 working days to release the funds

• I am still looking for a job, what will happen to my account/End of Service benefits?

  In case you exceed the Bank's time period and could not provide any documentation, the End of Service Benefit amount will get adjusted towards your liabilities.

• I have submitted all the documents, will my loan be settled or I can continue with the loan?

  If you have submitted your new employment documents then you can continue with the loan.

• Can my Fixed Deposit be put on hold and the End of service benefits be released?

  Yes, in case you have only a credit card.

• Will I be able to use my card in case I lose/ change my job?

  Your credit card will be on a block temporarily until you provide your new employment documents

• I don't have any loans with the bank, will my End of Service benefits still be blocked?

  If you don't have any cards, loans or liabilities with the bank then End of Service Benefit amount will be released.

• What is a Without End-of-Service Benefit Assignment?

  Without End-of-Service Benefit Assignment is a program to cater to potential applicants employed with companies of high repute which do not assign End-of-Service Benefit to the bank.

• What are the benefits of a Without End-of-Service Benefit Assignment?

  You can avail a personal loan from Emirates NBD without assigning the End of Service benefit which is a mandatory requirements when applying for personal loan.

• What is the eligibility requirement to get a Without End-of-Service Benefit Assignment?

  You can apply for a Without End-of-Service Benefit assignment only if you are employed in a company listed with Emirates NBD.

• How do I apply for a Without End-of-Service Benefit Assignment?

  You can apply for a personal loan under Without End-of-Service Benefit assignment by visiting any of our branches, by calling our 24/7 customer service center or online by visiting our website.

• What is minimum and maximum tenor available for a Without End-of-Service Benefit Assignment?

  You can avail a personal loan for a minimum period of 12 months and maximum 48 months under Without End-of-Service Benefit assignment.

• What is minimum and maximum amount that I can avail as a Without End-of-Service Benefit Assignment?

  The minimum loan amount you can take is AED 25,000 to a maximum of 15 multiples of your salary, not exceeding AED 2,000,000.

• What is an "Inactive" account?

  An account with no transactions for a period of 12 months will be classified as "Inactive"

• When does an account status change to "Inactive"?

  If you have a single or multiple accounts and there are no transactions for a period of 12 months in any one of the accounts, then that account will become "Inactive"

• What is the impact if my account status changes to "Inactive"?

  When an account changes to the Inactive status, there will be no restrictions for credits to the Inactive account but there might be a delay in cheque clearing or transferring funds to other account(s).

• Will Emirates NBD notify me when my account is "Inactive"?

  Yes, proactive emails and SMSs will be sent to your registered communications addresses before any changes are made to your account status.

• How can I change my account status from "Inactive" to Active?

  In order to change the account from inactive to an active status you may initiate a withdrawal through an ATM, over the branch counter or transfer through online banking channels (Online and Mobile Banking).

• How soon will my account status change from Inactive to Active?

  Immediately on initiating a customer induced debit transaction your account status will change from inactive to active

• What is a "Dormant" account and when does an account status change to "Dormant"?

  A "Dormant" account means all the account(s) linked to your CIF (Customer Identification File) have had no financial or non-financial transasctions and you have had no contact with the bank for a period of 3 years.

  For example: If you have a single account and there have been no transactions/contact for a period of 3 years, then that account will become "Dormant". If you hold multiple accounts under your CIF (Customer Identification File) and each one of them have had no transactions/contact for a period of 3 years, then all the accounts will become "Dormant".

• What is the impact if my account status changes to "Dormant"?

  As a precautionary measure, access and withdrawal restrictions will be placed on a Dormant account to safeguard against any unauthorized activity. In addition if you have no contact with the bank for a period of 2 years after Dormancy yours accounts will be subject for review and closure and any unclaimed funds will be transferred to the Central Bank of UAE.

• Will Emirates NBD notify me when my accounts is "Dormant"?

  Yes, a letter is sent immediately after the account is marked 'dormant'.

• How can I change my account status from Dormant to Active?

  To activate your account from a Dormant status, we request you follow the guidelines detailed below with the necessary identification/authority documents required.

  If you are an Individual Resident:

  • You need to personally visit the branch
  • Documents Required: Valid Emirates ID or Original passport with valid UAE residence visa

  If you are a Joint account Resident:

  • All the account holders will need to personally visit the branch
  • Documents Required: Valid Emirates ID or Original passport with valid UAE residence visa

  If it is a Minor account:

  • The guardian needs to personally visit the Branch
  • Documents Required: Original passport or UAE government issued ID of the Guardian

  If you are an Individual or Joint account Non-resident:

  • You can send an official letter to your respective branch in the UAE along with the below required documents. Click here for the list of branches.
  • Letter requesting activiation of your account duly signed by you along with a self-attested passport copy
  • Request for activation of dormant account signed by the account holders
  • Address proof for non-residents
  • Customer due diligence form of the account holders
  • FATCA/CRS Self declaration of the account holders
  • Self-attested copies of passport of the account holders

  If you hold a Company account:

  • You need to personally visit the branch
  • Documents Required: Valid Emirates ID or Original Passport along with Letter signed by authorized signatories requesting activation of account(s) and valid UAE Trade license

  Please note:

  This document checklist contains the list of the essential documents required to process your request

  Additional documents may be required at the Bank's sole discretion

  In case of any further Enquiries Click here

• How soon will my account status change from Dormant to Active?

  If you are an individual account holder, once you have submitted the required documents your account status will change from Dormant to Active immediately.

  If you are holding a company account your account status change from Dormant to Active will take 2 to 3 working days.