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At a glance

A banking package tailored to your lifestyle

Minimum balance
Non-salary transfer: AED 100,000
Salary transfer: AED 15,000
Fees for no minimum balance
Non-salary transfer: AED 26.25 pm
Salary transfer: No fees
Save with Beyond Rewards
Enjoy up to AED 50,000 in savings on the Beyond Rewards app

Rewards and features

  • No account opening fees
  • Up to AED 5,000 voucher when you apply for personal, auto and home loans within 6 months of joining the Beyond Banking Package* T&C
  • Save AED 3,000 of joining fees on a Skywards, U By Emaar Visa or Marriot Bonvoy credit card with our insurance product bundle offering
  • 1,000+ deals across dining, experiences, retail, wellness and exclusive offers on the Beyond Rewards app
  • Chance to win AED 2,000 cashback every month in a draw
  • Free local and international transfers through Mobile and Online Banking
  • 10 free teller transactions every month
  • Free transaction banking services and benefits
  • Free cheque book every year
  • Free international ATM cash withdrawals above USD 300
How do our banking packages work?
Fees and charges
Terms and conditions
Terms and conditions

How many times a year do you send money abroad?

12  transactions

How many times a year do you send money within the UAE?

6  transactions

How many demand drafts do you think you'll make in a year?

2  demand drafts

How many standing instructions would you setup ideally?

3  standing instructions

How often do you withdraw cash from International ATMs?

5  international withdrawals

With Beyond package, you'll save

1 2 9 0
AED

You'll also get a FREE Beyond Rewards membership and a cheque book

Open an account now

Beyond Rewards

Enjoy up to AED 50,000 in savings with 1,000+ amazing deals across dining, experiences, retail and wellness.

Know more

Reward vouchers

Of up to AED 5,000 on personal, auto and home loans within 6 months of starting your banking relationship with us.
Know more

Beyond loyalty programme

Win AED 2,000 cashback every month based on your product offering. You can be one of our 15 monthly winners every time!
Know more

Credit cards

Save AED 3,000 in joining fees on a Skywards, U By Emaar Visa or Marriot Bonvoy credit card with our insurance product bundle offering.
Know more

Benefits of banking with Emirates NBD

Special banking privileges

Proud to support SANAD

We’re proud to partner with the Community Development Authority of Dubai and offer special banking privileges to people of determination who hold the SANAD smart card.

Know more

Open an Emirates NBD account and join the most innovative bank in the region


What our customers are saying:

"I love the convenient way of sending money to the Philippines. Services such as paying other bank credit cards in the UAE are also time saving. Thanks #EmiratesNBD"
Vivian Hermandez Lim
Apply for an account

Compare the features and benefits of our packages

What's the difference between Beyond and

Beyond Package

Minimum balance

Current account: AED 15,000 to AED 49,999

Savings account: AED 100,000

Cards

Free debit card + 5 supplementary debit cards

Choice of 5 credit cards

Other benefits

Rewards up to AED 5,000 on loans

15 monthly cashback prizes worth AED 2,000

Free unlimited international remittances

Rewards up to AED 50,000 with Beyond deals

Apply now
Know more
Support

How can we help?

Already a customer?

Apply for a savings and current account
How do I update my phone number?

Help with your account

Help with an inactive or dormant account

Getting started

Documents required to open an account

Getting started

Can I open an account for my children below 18?

Frequently asked

ATM fees and charges
Have more questions? Visit our support pages
The ultimate rewards app

The all new Beyond Rewards app will make your life more rewarding. This is an all-in-one rewards app with dining, wellness, entertainment and lifestyle offers and discounts; it’s the ultimate rewards app.

Benefits and features:

  • Find offers and discounts from your favorite merchants using the search feature.
  • No vouchers needed, simply redeem all offers right one the app and on the go.
  • Easily navigate and explore between restaurants and retailers and browse their offers.

View your redemption history right on the app to see how much you have saved over time, and see why Beyond Rewards is the ultimate rewards app.

Credit cards

Credit Card & Bancassurance Bundle Offer

Apply for a Skywards, Marriott Bonvoy™ World Mastercard® or U By Emaar Signature Credit Card and take a Bancassurance product within 30 days period and avail a discount on the credit card joining fee.

  • 50% reversal of the joining fee if the monthly premium paid is between USD 250 and USD 499*
  • 100% reversal of the joining fee if the monthly premium paid is USD 500 or more*

*The joining fee will be charged in the first billing cycle and the reversal of the joining fee will be done in second or third billing cycle depending on the date of insurance premium debit. Please note in case of discontinuation of insurance premiums before the 12-month period, the joining fee will be debited from your primary account.

Beyond loyalty program

Win AED 2,000 cashback every month

Introducing a simple and transparent loyalty rewards program of where you can win prizes every month based on your product holding. You have a chance to win one of 15 cashback prizes.

  • 12 prizes of AED 2,000 cashback for Dubai, Sharjah and Northern Emirates customers
  • 3 prizes of AED 2,000 cashback for Abu Dhabi and Al Ain customers

As a Beyond from Personal Banking customer you will get entries equivalent to the number of products held with Emirates NBD i.e. Current Account, Savings Account, Fixed Deposit, Credit Cards, Loans, Insurance, Foreign Exchange transactions in the monthly raffle draw without any other terms and conditions on usage, ticket size etc. So if you have a Salary Transfer Account and a Credit Card every month you will be given 2 entries in the raffle draw while your friend would get 4 entries every month if he has a Salary Transfer Account, Credit Card, Auto Loan and an Insurance Plan with Emirates NBD Personal Banking.

Every quarter raffle draws will be conducted and winners will be announced.

Bank reserves the right to revoke/change the loyalty rewards program without prior notice.

View the winners from January to March 2023

View the winners from October to December 2022

View the winners from July-September 2022

Previous winners (2020-2022)

Reward vouchers

Personal Loan

As part of our soft bundle offer, you will get a chance to win a voucher of AED 1,000 for loan amounts between AED 250,000 – AED 500,000 or a voucher of AED 2,000 for loan amounts above AED 500,000*.

*Terms and conditions apply

  • This offer is valid for 6 months from the time of establishing a salary transfer relationship with Emirates NBD Personal Banking.
  • This offer is only valid on loans with standard pricing. Promo offers or discounted rate loans are not applicable
  • Promo code should be added in the loan application.

Auto Loan Package

Get everything you need for the drive of your dreams with Emirates NBD’s Auto Loan. We offer a range of loan variants, giving you the most comprehensive auto loan offers in the UAE

As part of our soft bundle offer you will get a voucher of AED 500 for loan amounts between AED 100,000 and AED 250,000 or a voucher of AED 1,000 for loan amounts above AED 250,000*.

*Terms and conditions apply

  • This offer is valid for 6 months from the time of establishing a salary transfer relationship with Emirates NBD Personal Banking.
  • This offer is only valid on loans with standard pricing. Promo offers or discounted rate loans are not applicable
  • Promo code should be added in the loan application.

Home Loan

Come home to a home of your own, with finance available from a wide choice of reputable developers as well as for self-construction and private villas in both Dubai and Abu Dhabi.

As part of our soft bundle offer, you will get a free voucher of AED 2,000 for loan ticket between AED 1 million and AED 3 million or a voucher of AED 5,000 for loan ticket above AED 3 million*.

*Terms and conditions apply

  • This offer is valid for 6 months from the time of establishing a salary transfer relationship with Emirates NBD Personal Banking.
  • This offer is only valid on loans with standard pricing. Promo offers or discounted rate loans are not applicable
  • Promo code should be added in the loan application.

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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