Receiving a transfer or payment

Receive transfers and payments into your Emirates NBD account from local or international accounts 

Receive transfers in AED or foreign currency

You can receive transfers into your Emirates NBD account from other local AED or foreign currency accounts, or even from abroad in foreign currencies.

If you’re receiving funds in a foreign currency, you can ask the sender to remit funds either in their currency or in AED depending on the prevailing foreign exchange rate. Funds received in a currency different from your account currency will be credited at our exchange rates. While Emirates NBD offers the most competitive exchange rates, you might want to check the current rate before deciding what currency to receive your transfer in.

Things you should know:

  • Transfers can be received in over 28 currencies
  • Transfers from Emirates NBD accounts are free
  • Automatic credit to your Emirates NBD savings or current account
  • You receive an SMS alert when the amount is credited to your account

Information to provide the sender

If you’re expecting to receive an inward remittance or payment to your account, you must give the sender this information to make sure the money arrives into your account safely and without delay:

  • Your full name as it is on record with us
  • Your account number. You'll find this on Mobile or Online Banking, or on your cheque book.
  • The bank address: Emirates NBD Bank PJSC, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE.
  • Your Swift Code: EBILAEAD.
  • Your IBAN number: Login to Online or Mobile Banking to view your IBAN or use this link to generate it.

If you need to update your name on record with us, here’s how you can do it.

Information to provide your employer for salary transfer

To receive your salary into your Emirates NBD account, you must provide your employer with this information:

  • Your account number
  • The Bank address: Emirates NBD Bank PJSC, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE.
  • Emirates NBD Bank routing code: 302620122.
  • Your IBAN number: Login to Online or Mobile Banking to view your IBAN or use this link to generate it.

Don’t forget to update your employment details with us so we can continue to serve you better.

Get help with your inward remittances

You can get help with your inward remittance details through our website. Place a request and we’ll investigate why you have not yet received your transfer or have received a lower amount than expected.

Get help with your inward remittances now


The time it takes for your transfer to come through depends on:

  • The sender bank’s location and time they require to process a transfer
  • The currency of the transfer
  • The time the transfer reaches Emirates NBD

Most banks usually process local transfers within 2 working days and international transfers within 4 working days.

If you haven't received a transfer you have been expecting, you should first check with the sender whether they have used the correct account details and whether their bank has successfully processed the transfer.

We can help you identify the status of a processed transfer as well. To do this we'll need a proof of payment such as a transfer receipt or bank statement for local transfers or a copy of an MT103 for international transfers containing the following details:

  • Sender’s name and account details
  • Date of transfer
  • Sender's country and currency of transfer Transfer amount
  • Transfer amount

An MT103 is a standardized SWIFT payment message used specifically for cross border/international transfers and includes transfer details such as date, amount, currency, sender and recipient.

You will need to submit an MT-103 form in case you need to identify the status of a processed international transfer you have been expecting. The sender will be able to request their bank to provide an MT103 for the transfer and share it with you.

The sender has the option to choose who pays the charges including Emirates NBD transfer charges, correspondent, and beneficiary bank charges. The sender can opt to pay all charges, share the charges with the you (the receiver) or ask you to pay.

You’ll be liable to pay all charges if the sender selects the ‘BEN’ option when making the transfer. In this case, the amount will be deducted from the amount being remitted. If the sender selects ‘SHA’, charges will be shared by both the sender and receiver (you). If the sender selects ‘OUR’, you’ll receive the entire amount without any deductions as charges.