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You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
Your passport
Proof of income
A minimum salary of AED 5,000
Add more to your Current Account with attractive interest rates of up to 0.35%. Make multiple bill payments, transfer money instantly and access our extensive branch network for ease of banking.
Available in AED
Interest-bearing account calculated on daily closing balances
Free Debit Card
Monthly statement of account
Overdraft facility
Financial flexibility for changing needs
Be it infusing fresh funds to meet a business objective or to tide over a cash crunch situation, stay covered with an unsecured personal overdraft facility.
Personal overdraft upon arrangement with the bank
Maintain a minimum balance of AED 3,000
Cheque book and Debit Card facility
Zero liability for unauthorized payments
Interest Rates
Balance | Interest Rate, % p.a. |
---|---|
Less than AED 350,000 | Nil |
AED 350,000 to less than AED 3,500,000 | 0.15% |
AED 3,500,000 and above | 0.35% |
Easy access to funds. Benefits to relish.
Our Value Account is designed to provide you with utmost convenience and flexibility. With highly secure systems that protect your data and finances, you won’t have to worry about anything when you bank with us.
DirectRemit
60 second transfers. No fees.
With DirectRemit, transfer money to India, Philippines, Pakistan, Egypt, Sri Lanka, and the UK in 60 seconds for free through Online or Mobile Banking.
mePay
Transferring funds to your friends? Easy.
With mePay, you’ll be able to make transfers to your friends using Mobile Banking, just by using their mobile number.
No need for account number or IBAN
Transfer to other bank customers too
Fast and completely secure
Banking packages that maximize your benefits.
Depending on the balance you maintain, you’ll be able to enjoy a host of benefits with each of our packages.
Classic
Free local and international remittances
Low fee teller transactions
Free Debit Card
Minimum Balance Requirement
AED 3,000
Plus
Free chequebook
Free local and international remittances
Free teller transactions
Free Debit Card
Minimum Salary
AED 5,000
or minimum balance requirement of AED 5,000
Plus Maximizer
Free chequebook
Free local and international remittances
Free teller transactions
Free Debit Card
Minimum Salary
AED 5,000
Beyond
Free chequebook and teller transactions
Free local and international remittances
Free International ATM cash withdrawals
Free Beyond Rewards app membership with up to AED 50,000 in savings
Skywards Signature Credit Cards with 40,000 skywards miles
Benefits of up to AED 8,000 on Credit Cards and Loans
Minimum Salary
AED 15,000
or minimum balance requirement of AED 100,000
Open your account now
Bank with Emirates NBD and
experience the future of banking, today
Join the leading bank in the region with a wide network of branches and ATMs, award-winning digital applications and great customer service.
WHAT OUR CUSTOMERS SAY
"It was a nice service , I transferred today (direct remit to India),credited to my account within 30 mins , really fully satisfied"
Ali Asadi
"It's the best bank here in comparison to others"
@Vanillawallah
"very convenient and practical way of sending money to phils. Other services also are time saving eg: paying other bank credit cards in UAE.Thanks #EmiratesNBD"
Vivian Hermandez Lim
"It was a nice service , I transferred today (direct remit to India),credited to my account within 30 mins, really fully satisfied"
Abdulla Sire
89
Branches
690
ATMs
89
Branches
690
ATMs
Existing Emirates NBD customers
Log in to Online Banking or Mobile Banking for the quickest and easiest way to apply.
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New to Emirates NBD
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Required Documents, Eligibility and Fees
Please Note:
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Click here to view the schedule of fees and charges
What are people asking?
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.
Documents required for individuals*:
Documents required for non-individuals*:
*additional documents may be required as per Bank policy
Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch
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
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
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.
Documents required for individuals*:
Documents required for non-individuals*:
*additional documents may be required as per Bank policy
Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch
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
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
You can change the name on your account by visiting the nearest Emirates NBD branch with the following documents:
Kindly note if it is a company account, please get the attested or original Trade License
Your signature for the account can be updated by visiting a branch
To add or remove a joint account holder, both the parties must visit an Emirates NBD branch with the following documents :
Please note: Khulasat-Al Qaid is also accepted for UAE nationals
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.
To add a Power of Attorney holder, please visit a branch with a Dubai Courts notarized POA
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.
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.
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.
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.
Cheque book can be requested through online banking, mobile banking, ATMs and branches.
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:
For account closure, you need to visit a branch to submit the request for closing the 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.
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
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.
On account closure, online banking account status will be shown as closed. Alternatively, you can request the bank for a closure confirmation.
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.
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.
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.
Clearance Letter states that a specific liability has been cleared while a No Liability Letter states the customer has no existing liabilities.
Yes, a fee of AED 50, as outlined in the Schedule of Fees and Charges on Bank's official website is applicable.
Liability / No Liability Letter will be issued within the bank's defined service standard of 7 (seven) business days.
As soon as the letter is ready, you will receive an intimation message on your registered mobile number.
The letter can be collected from the nearest branch based on your convenience, except mall branches. Click here for branch locations.
Liability / No Liability Letter is valid for 15 days from the date of issuance
Individuals, ages 18 and above, can convert their minor account to a standard individual account by visiting the nearest Emirates NBD branch along with their passport or Emirates ID for identification.
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.
Any Emirates NBD customer holding an active account can subscribe to 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".
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
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.
e-Statement has the same frequency as your paper statement.
Your e-Statement will be sent in PDF format to your registered email address in our records.
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.
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
No, e-Statements will be sent to your preferred email address registered in our records.
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.
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.
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.
e-Statements are free.
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.
Please notify us of any discrepancies immediately by calling our 24 hours Customer Service Centre on 600 54 0000
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.
e-Statements are available for both checking and savings accounts.
As long as Acrobat reader is installed on the handheld, you can view e-Statements on an Ipad, Android and Iphone.
Yes, once you inform us, we will be able to update you about the applicable procedures and documents required.
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.
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.
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
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
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.
Yes, it is necessary for you to inform the bank if your salary from another company is lower
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.
The charges will be applied after 30 to 45 days
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
When you submit all the required documents by the bank, the End Of Service Benefit funds shall be released.
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.
Yes, your account will be kept on hold until the required documents are received
Yes, you will need to provide the salary transfer letter in the specific format for Emirates NBD
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.
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.
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.
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.
For Personal Banking Customers: In this case, you need to contact our End of Service Team on 600540040 or [email protected]. 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.
We will need to check this. If your gratuity is more, then the entire amount will not be put on hold.
We may have faced some delay in receiving the documents. Kindly follow up with the branch or your RM where the documents were submitted
Once we receive all your documents, it will take 1 to 2 working days to release the funds
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.
If you have submitted your new employment documents then you can continue with the loan.
Yes, in case you have only a credit card.
Your credit card will be on a block temporarily until you provide your new employment documents
If you don't have any cards, loans or liabilities with the bank then End of Service Benefit amount will be released.
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.
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.
You can apply for a Without End-of-Service Benefit assignment only if you are employed in a company listed with Emirates NBD.
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.
You can avail a personal loan for a minimum period of 12 months and maximum 48 months under 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.
An account with no transactions for a period of 12 months will be classified as "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"
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).
Yes, proactive emails and SMSs will be sent to your registered communications addresses before any changes are made to your account status.
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).
Immediately on initiating a customer induced debit transaction your account status will change from inactive to active
A "Dormant" account means all the account(s) linked to your CIF (Customer Identification File) have had no financial or non-financial transactions 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".
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.
Yes, a letter is sent immediately after the account is marked 'dormant'.
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:
If you are a Joint account Resident:
If it is a Minor account:
If you are an Individual or Joint account Non-resident:
If you hold a Company account:
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
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.
If you are an Individual Resident:
If you are a Joint account Resident:
If it is a Minor account:
If you are an Individual or Joint account Non-resident:
In case you reside near an Emirates NBD International branch you can personally visit the branch along with your Original Passport
Alternatively, 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.
If you hold a Company account:
You need to personally visit the branch with the following documents as applicable
Company is active:
Company is not active:
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.
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BILL PAYMENTS
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Make bill payments effortlessly in the currency of your choice, across countries with the confidence of enhanced security.
Below are the available Payments and Transfers options:
Payments
Transfers
Insurance & lifestyle benefits
Rewards you love with insurance you need
Get special offers across dining, shopping, travel, entertainment
Added advantage of free life insurance
Convenience and Security
Stay informed. Stay in control.
Access your account without having to visit a branch. Get enhanced security with Chip & Pin card, make worry free online transactions with DoubleSecure and get the convenience of free Teller Transactions.
24 hour access with half-yearly e-statements
Zero Liability for Unauthorized Payments
Bill payment services across utilities and telecommunications
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