• 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.

• 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, one letter is sent before account becomes 'inactive' (after 9 months of inactivity) and another letter is sent immediately after an account becomes 'inactive'.

• 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?

  "Dormant" account means all your account(s) linked to your CIF (Customer Identification File) have not been used by you for more than 1 year (>12months).

  Under the dormant status, the account is blocked from any transactions and certain documents are needed (refer to our FAQs on how to change my account status) in order to reactivate the account(s).

• When does an account status change to "Dormant"?
  • If you have a single account and there are no transactions for a period of 12 months , then that account will become "Dormant".
  • If you have multiple accounts, and none of the accounts under your CIF (Customer Identification Number) have any transactions for more than 12 months, then the status of all your accounts will change to "Dormant".

  As an example you have a CIF 99999999 with 3 accounts linked to it.

  • Account 1 has no transactions for a period of 12 months and gets inactive in Jan 2015. Your CIF and other 2 accounts remain active.
  • Account 2 has no transactions for a period of 12 months and gets inactive in Jan 2016. Your CIF and last account will remain active.
  • Account 3 has no transactions for a period of 12 months and gets inactive in Jan 2017. At this point in time, your CIF and all accounts linked to it will be classified as 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 if your account status changes to Dormant

• 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

  To activate your account from a Dormant status, we request you to personally visit any of our branches with the necessary identification/authority documents as detailed below.

  If you are an Individual Resident:
  - You need to personally visit the branch.
  - Documents Required: Original passport with valid UAE residence visa or any UAE government issued ID.

  If you are a Joint account Resident:
  - All the account holders will need to personally visit the branch.
  - Documents Required: Original passports and valid residence visas or any UAE government issued IDs.

  If you are an Individual account Non-resident: (single or joint)
  - You need to send an official letter to your Branch. Click here to view list of Branches. Alternatively, in case of any Enquires Click here
  - Documents Required:

  • Letter requesting activation 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 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 hold a Company account:
  - Documents Required: Letter signed by authorized signatories requesting activation of account(s) and valid UAE Trade license.

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

  Once you submit the required documents, account status will immediately change from Dormant to Active

• What is a Smart S@ver Account?

  Smart S@ver is a savings account that can be opened and operated completely via online banking.

• What are the benefits of a Smart S@ver Account?
  • High interest rates, depending on the balances maintained in the account
  • Flexibility to operate the account online
  • Available in AED, USD and GBP

   

• What is the eligibility criteria to apply for a Smart S@ver Account?

  The Smart S@ver Account is available for the following:

  • Individuals
  • UAE Residents and Non-Residents

   

• How do I apply for a Smart S@ver Account?

  To open an account / to apply, login to Online Banking and select "New Accounts". In case, you are not able to open the account online, you will need to complete the application form and visit the nearest branch along with the required documents.

• What are the documents required to apply for a Smart S@ver Account?

  The following documents are required in order to open a Smart S@ver Account:

  For Individual (Residents)

  • Copy of passport(s) (including residence visa(s) page)
  • Original passport(s) (to validate the passport copy)
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts)

  For Individual (GCC Nationals)

  • Original passport(s) (to validate the passport copy)
  • Telephone/Electricity Bill

  For Individual (Non-Residents)

  • Copy of passport(s) (including visit visa(s) page)
  • Original passport(s) (to validate the passport copy)

   

• What is the minimum balance to be maintained for my Smart S@ver Account?

  A minimum balance AED 3,000 has to be maintained across all accounts held by you in the Bank.

• What are the interest rates provided for my Smart S@ver Account?

  Please click here for details

• How are the interest rates calculated for my Smart S@ver Account?

  Please click here for details

• What are the currencies available to use my Smart S@ver Account with?

  Smart S@ver is available in AED, USD and GBP.

• Will I be provided with a debit card facility for my Smart S@ver Account?

  To encourage regular savings, a debit card is not offered with the Smart S@ver account.

• Will I be provided with a cheque book facility for my Smart S@ver Account?

  To encourage regular savings, cheque book is not offered with the Smart S@ver account.

• How do I cancel my Smart S@ver Account?

  Please visit your nearest branch and submit a request for closure.

• How do I receive my balance funds after closing my Smart S@ver Account?

  The balance funds will be transferred to any of your other accounts with the Bank.

• What is a Standard Current Account?

  A standard current account is a transactional account with the bank from which money may be withdrawn without notice, catering for frequent deposits and withdrawals. Our Standard Current Account gives you a variety of features and easy access for utmost convenience and flexibility.

• In which currencies can I open a Standard Current Account?

  Standard Current Account can be opened in UAE dirham AED and foreign currencies such as USD, GBP, CHF, AUD, CAD, SGD, etc.

• What is the eligibility criteria for opening a Standard Current Account?

  A standard current account is available for the following:

  • UAE Resident Individuals including joint account holders
  • Sole Proprietorship / Partnership companies / Joint Stock Companies/ Limited Liability Companies

   

• What are the documents required for opening a Standard Current 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 to be provided:
    • Appointment Letter / Contract Copy
    • Pay slip (less than 3 month old)
    • 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
  • Board 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 shareholdings exceed 5% shall also be submitted

  *additional documents may be required as per Bank policy

• How do I apply for a Standard Current Account?

  To open an account, visit any of our branches or visit our website to apply for a Standard Current Account.

• Do I need to transfer salary in a Standard Current Account?

  This account can be opened either as a Salary variant or as a Savings variant. Salary transfer is required if the account is opened under salary variant.

• What is the minimum monthly average relationship balance required for a Standard Current Account?

  The customer has to maintain a minimum monthly average relationship balance of AED 3,000

• How long will it take to open a Standard Current Account opening?

  Visit any of our branches or visit our website to open a Standard Current Account. Your Account will be opened within two working days.

• Do I get a debit card and cheque book with a Standard Current Account?

  Yes, you get a UAE dirham debit card and have cheque book facility.

• How do I apply for a replacement cheque book? What are the charges for a new cheque book?

  Replacement cheque book can be requested through Online Banking, Mobile Banking, ATM or Branches. Cheque book will be delivered to you within 3 working days.

• Do I need to close my Standard Current Account if I lose my job?

  If you have a valid UAE visa and you can maintain a minimum monthly average relationship balance of AED 3,000, you can continue your Current account with us.

• Can I setup a standing order? If yes, how can I setup a standing order? What are the charges for each instruction?

  Standing orders can be set through Online Banking instantly. You can also visit our branch to fill out the form and present your original passport or Emirates ID. Your request will be processed within 2 working days.

• How do I subscribe for the SMS service facility?

  If you are an existing Online Banking user, please log in and subscribe by clicking on the SMS Banking option on the Main Menu. If you are a new customer, visit our branch and complete the SMS service facility application form.

• Is there Overdraft facility available with Standard Current Account?

  Yes. In order to apply for an Overdraft facility, call 600 54 0000 or SMS "OD" to 4454 or send e-mail to: overdraft@emiratesnbd.com. You can also visit your nearest Emirates NBD branch and submit your request form.

• What is the process to obtain a Balance letter for a Standard Current Account?

  Request can be submitted through Online Banking or by visiting a branch. Based on the option, either the certificate will be dispatched by courier to your registered address or can be collected from the branch opted at the time of request submission.

• What is a Standard Savings Account?

  A Standard Savings account is a non-transactional deposit account that is interest-bearing and offers various banking services which meet your needs.

• What are the benefits on the Standard Savings Account?

  The standard savings account is a Dirham (AED) account with attractive interest rates which comes with a free international debit card, has 24-hour access to the account via ATM, online and mobile banking. Moreover, you have an access to an extensive branch and ATM network with bill payment facilities across a wide range of services.

• What is the eligibility criteria to open a Standard Savings Account?

  A Standard Savings account is available for the following Individuals:

  • UAE Resident Individuals including joint account holders
  • Non-resident Individuals including joint account holders
  • Minors to be opened and operated by the guardian

   

• What are the documents required to open a Standard Savings Account?

  For Individual & Joint account (Residents)

  • Copy of passport(s) (including residence visa(s) page)
  • Original passport(s) (in order that the passport copy may be validated)
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts). In absence of Salary Certificate, any one of the following documents to be provided :
    • Appointment Letter / Contract Copy
    • Pay slip ( less than 3 month old)
    • Most recent statement of account where customer’s salary is being transferred

  For Individual & Joint account (Non-Residents)

  • Copy of passport(s) (including visit visa(s) page)
  • Original passport(s) (in order that the passport copy may be validated)

   

• How do I open a Standard Savings Account?

  To open an account, visit any of our branches or visit our website to apply for a Standard Savings Account.

• Is there a minimum opening balance for Standard Savings Account?

  There is no minimum amount to open the account; however, a minimum average monthly balance of AED 3,000 has to be maintained in the account to avoid charges.

• Is a cheque book facility available for Standard Savings Account?

  No, cheque book facility is not available for a Standard savings account as it is not a transactional account.

• Will I be provided with a debit card for my Standard Savings Account?

  Yes, this account comes with a free international Debit card.

• Is there a minimum balance to be maintained to receive the interest?

  Interest is calculated on the basis of balance maintained in the account. A minimum average monthly balance of AED 3,000 has to be maintained in the account to avoid charges.

• How is the interest calculated on my Standard Savings Account?

  Interest is calculated on the minimum monthly balance and is credited half yearly in to the account.

• What is the interest rate available on my Standard Savings Account?

  The latest interest rate is updated on our website. Click here to get further details.

• How is the date of payout calculated?

  The interest is paid out half yearly and is credited to the account on the last day of the sixth month.

• Can I open a standard savings account in a different currency other than UAE dirhams? If yes, which other currencies are allowed?

  Standard Savings account is available in only UAE Dirhams

• Is it possible to have a joint Standard Savings Account?

  Yes, this account can be opened both singly and jointly

• How do I add a joint account holder for my Standard Savings Account?

  A joint account holder can be added by both the customer and the other individual by visiting the branch together and providing all the documents required for account opening.

• Can a minor open and operate this account?

  Yes, this account is available for minors; however, it has to be opened and operated by a guardian only.

• What is a Tiered Savings Account?

  A Tiered savings account is an account that offers high interest rates. The greater the balance you maintain, the more attractive the interest rates get. Interest to the account is credited on a monthly basis.

• How do I apply for a Tiered Savings Account?

  Visit any of our branches or visit our website to open your Tiered Savings account.

• What is the eligibility criteria to apply for a Tiered Savings Account?

  A Tiered Savings account is available for the following:

  • Individuals including joint account holders
  • UAE Residents and Non-Residents
  • Minor Accounts to be opened and operated by the guardian

   

• What are the documents required to apply for Tiered Savings Account?

  For Individual & Joint account (Residents)

  • Copy of passport(s) (including residence visa(s) page)
  • Original passport(s) (in order that the passport copy may be validated)
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts) in absence of Salary Certificate, any one of the following documents maybe obtained:
    • Appointment Letter / Contract Copy
    • Pay slip (less than 3 month old)
    • Most recent statement of account where customer's salary is being transferred

  For Individual & Joint account (Non-Residents)

  • Copy of passport(s) (including visit visa(s) page)
  • Original passport(s) (in order that the passport copy may be validated)

   

• What are the benefits of Tiered Savings Account?

  The benefits of a Tiered Savings account is mentioned below:

  • Higher the balance maintained, higher the interest rate
  • Available in AED, USD and SAR
  • Free international debit card (only for AED accounts)

   

• What is the difference between Tiered Savings Account and Standard Savings Account?
  • Tiered Savings account interest rate increases with an increase in the balance maintained whereas in Standard Savings account the interest rate is constant regardless of the balance
  • Tiered Savings account can be opened in AED, USD and SAR whereas Standard Savings account is available in AED only

   

• Is cheque book facility available for Tiered Savings Account?

  Cheque book facility is not available for Tiered Savings account

• Is debit card facility available for Tiered Savings Account?

  Yes, debit card is available for UAE dirham (AED) accounts.

• Is a monthly statement of account provided for my Tiered Savings Account?

  Yes, a monthly statement of account will be send out the registered e-mail address as per bank records.

• Is monthly statement of account charged? If yes, what are the charges?

  No, monthly statement of accounts are not chargeable. However, if the statement is requested on an adhoc basis there will be charges and the charges vary depending on the channel of request. Please refer Statement of Charges for details.

• Will I be able to access the Tiered Savings Account through online banking?

  Yes, Tiered Savings account can be accessed through online banking and mobile banking.