Business Banking | Emirates NBD

Getting you started

Whatever your business size or complexity, we are focused on providing you with all the banking services your business needs to thrive - from accounts to transactions, facilities to investments, cash management to payments.

We have a full range of packages and accounts tailored for any size business, together with credit and debit cards to enable quick and easy payments on your terms.

Business Packages Business Accounts Business Cards

Business Packages

We are committed to helping you explore opportunities, and our suite of value-enhanced business banking packages are designed to help you and your business stay ahead of the curve.

We offer six distinct Business Banking packages, designed around the services businesses seek most from us.

All our packages provides you with

Free state of the art Online Banking platform: businessONLINE
Preferential pricing on banking transactions
Comprehensive suite of products & services
Our dedicated call center for all your enquiries
Over 69 branches, 500+ ATMs and cash deposit machines across the UAE

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Business Accounts

Our accounts cover all your everyday business banking needs, from basic checking account to interest earning accounts and flexible deposit.

* At the bank's discretion and subject to approval.

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Business Cards

Our business Credit and Debit Cards offer a wide range of benefits and savings to support your business success. Both products are backed with worldwide offers that add value to your transactions and reduce your cost of doing business.

Business Credit Card

Protect your company against unauthorized use of the card by employees with Corporate Liability Waiver

Access great discounts and benefits on every rental with Hertz Gold Plus Rewards

Save 20% on your daily business shipments with DHL Shipping Discount

Enjoy complimentary golf at 5 exclusive golf courses across the UAE

Business Rewards Credit Card

Enjoy complimentary Rewards or Plus Points with every transaction

Enjoy complimentary golf at 5 exclusive golf courses across the UAE

Unlimited access to over 650 premium airport lounges in more than 300 cities worldwide

Save up to 30% at over 2,000 restaurants across the UAE, Middle East and Europe with Bon Appétit

Visa Platinum Business Debit Card

High daily purchase limit of AED 125,000 and cash withdrawal limit of AED 50,000 at home and abroad

Make contactless payments wherever the contactless logo is displayed

Get discounts at merchants around the world

Secure your purchases with purchase protection and extended warranty

Visa Signature Business Debit Card

High daily purchase limit of AED 125,000 and cash withdrawal limit of AED 50,000 at home and abroad

Enjoy unlimited complimentary access to over 850 airport lounges worldwide

Benefit from 24-hour concierge service that provides a completely customized experience

Access over 900 exclusive hotels worldwide and exclusive benefits with the Visa Luxury Hotel Collection

Running your business

We have decades of experience helping large and small companies manage all their banking needs.

You’ll benefit from business banking services and financing solutions that help you stay on top of cash flow and maximise the potential of your organisation’s financial assets.

Cash Management Treasury

Cash Management

We drive cost and time savings for your business through efficient and effective cash management solutions that cover your regular and routine payments, collections and overall liquidity to flatten financial cycles and unlock working capital for your business.

Payments

Hassle-free way to automate salary payments to your employees

Salary payment
Supplier payments
Utility and Government payments

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Collections

Enhance security, savings, business time and money

Physical and digital collection systems
Secure cash and cheque pick-up
Online collection of customer payments by direct debits

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Liquidity

Solutions for increased efficiency and reduced costs

Standing instructions at reduced costs
Simple or complex sweeping and pooling capabilities
Tailored investments to maximise returns on idle or surplus cash
Post-dated cheque warehousing

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Escrow

Facilitating your business transactions

Real estate escrow
Commercial escrow
Owner association/body corporate escrow
Advisory, deposit/payment management, reconciliation and reporting services

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Treasury

Our Treasury team will help you manage your financial assets, optimise your company’s liquidity and navigate your international trade with insight and confidence.

Spot Trade

Trade in more than 25 currencies
Manage quick overseas or cross-currency payments or receivables

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Forward Contracts

A hedging tool with no upfront payment
Pre-agreed rate and maturity date

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Interest Rate Swap

Exchange the future interest rate payments you make over a set period on loans or bonds
Make no exchange of the principal

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Structured Deposit

Potential for higher returns compared to fixed deposits
May be taken in ‘tranches’ with either a fixed offer period or available until the tranche is fully subscribed
Returns depend on the performance of the underlying investment product

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Dual Currency Deposits

Combination of a cash or money market deposit with a foreign exchange option
Capital and interest can be converted into an alternative currency
Yield depends on several variables including currency pair, term, market interest rates and volatility of currencies used

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Financing your business

We recognise that quick and seamless access to your funds is critical to your business success.

We work hard to make sure you get the most out of your banking relationship with us and receive the financing your business needs at every stage of its growth story.

Working Capital Long Term

Working Capital

We can support your business with the working capital you need to minimise risks and seize opportunities with confidence

Funded

Short-term cash flow so you can focus on growth opportunities.

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Non-Funded

The support your business needs to expand your trade horizons.

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Long Term

We have a range of products that can be tailored to help you get the financing you need to maximise your organisation’s potential.

Term Loans

Support your short-term and long-term financing requirements
Finance your real estate construction/projects
Help you to manage your cashflow and grow your business
Flexible terms and competitive interest rates
Regular payments over a timescale that makes sense for your organisation

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Mortgages

Finance your real estate purchase or leverage your current real estate assets to inject cash into your business
Home and office mortgage loans
Loans against property

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Vehicle Loans

Cost-effective financing and loan options to improve your efficiency and performance
Commercial vehicle loans, fleet financing loans and auto loans
Construction equipment loans

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Project finance

Finance for your large-scale infrastructure or industrial projects
Repayments based on the cash flow generated by your project
Short-term and long-term financing plan, aligned with the nature of your project and the needs of your business

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Growing your wealth

Your wealth needs to be carefully managed to enable it to grow. That means not only finding the right vehicles to enhance its value, but also protecting what you have to ensure it is not lost due to unforeseen events.

We offer an extensive range of investment and insurance options to suit your unique needs and goals.

Insurance Plans Investments

Insurance

Care Plus Life Insurance

All the protection you need against unforeseen eventualities.

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Non life insurance

All the protection you need against unforeseen eventualities.

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Investments

Our investment team is ready to advise you on a curated selection of investment options to help you achieve optimum returns on your capital.

Mutual Funds

Pools of funds collected from many investors for investment in stocks, bonds or other assets
Own units in the fund, which is operated by a professional fund manager who aims to deliver capital gains and income for all the fund’s investors

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Bonds

Debt securities issued by governments, corporations or other institutions to raise funds
Provide a steady flow of investment income, and potentially lower the overall portfolio risks

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Sukuks

Sukuk is a financial certificate that is Shari’ah compliant
They represent an undivided ownership in an asset or a special investment activity

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Structured Products

Designed to achieve risk-return objectives that are not achievable with traditional investments
Return on capital invested may be linked to the performance of an index, a “basket” of selected stocks, or other underlying traditional assets
May also include an element of principal protection

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Gold Savings Certificates

For investment or as a gift, each certificate is valid for five years from the date of issue
Sold in multiples of 300 grams (999 finesse) and 500 grams (995 finesse)
Priced against the global spot market
Can be redeemed against physical gold or the equivalent amount in cash at any time until maturity

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Ways of Banking

Whether you prefer to bank online or with a personal touch

We're always available to help you get the most out of banking with us.

businessONLINE

smartTrade

Phone Banking

Branches

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Centres & Branches

Our Business Banking centres and branches are always nearby and at your service.

Centres

We have 8 Business Banking centres around the UAE, dedicated to offering you the best possible Business Banking experience.

Branches

We have 69 branches and 500+ ATMs across the UAE’s seven Emirates, so whenever you want to meet us, we are always ready to help.

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Emirates NBD is the right choice for your business

Emirates NBD is the Middle East's leading banking group, creating value for and providing a comprenhensive range of banking services to government, business and individual customers every day.

For over 50 years, Emirates NBD has built on strong historical and financial foundations, growing and diversifying to become one of the GCC's largest financial institutions and Dubai's flagship bank.

Learn more about Emirates NBD Group

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