Request a clearance letter

You can apply for a clearance letter conveniently via Mobile or Online Banking, or at a branch

What is a clearance letter?

A clearance letter is a legal document issued by the bank stating that you have paid off all outstanding dues with reference to a loan or credit card. A clearance letter clears you of one liability. If you have multiple liabilities with the bank, you can request for clearance letters as you pay off each of the liabilities. A no-liability letter, on the other hand, declares you have no liabilities at all with the bank.

Request a clearance letter

For credit cards, you can apply for a clearance letter 45 days after you have cancelled your card or paid all outstanding dues. For loans, you can apply as soon as you clear the outstanding loan amount, and your loan account is closed.

What’s next

You’ll receive an SMS on your registered mobile number once your letter is ready to be collected.

To collect the letter, visit the nearest Emirates NBD branch before 2 pm with your Emirates ID or passport for identification.

Fees and charges

There are no charges for a clearance letter.

FAQs

What is the difference between a clearance letter and a no-liability letter?

A clearance letter is issued to clear you of one liability. If you have multiple liabilities with the bank, you can request for clearance letters as you pay off each of the liabilities. A no-liability letter declares you have no liabilities at all with the bank.

When does my loan account get closed?

Your loan account is automatically closed 15 days after the loan has matured i.e. after the loan’s tenure has expired and all outstanding dues have been paid fully. If your loan account has matured but not been closed, you can reach out to us by calling +971 600 54 0000 for further assistance.

Can I issue a clearance letter in my name?

Yes, the letter can be issued in your name or addressed to a third party such as a government entity, service provider or a financial institution.

Why do I need a clearance letter?

You could need this letter for several reasons. You might be taking a loan, applying for a new credit card and the bank has requested it, or you may be moving to another country from the UAE and immigration authorities might need to see it.

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