Request a Liability or No-liability Letter

Apply for a Liability or No-liability letter easily via Mobile Banking or our Website

What are Liability and No-liability letters?

A Liability Letter is an official document that lists and confirms your current financial obligations such as loans and credit cards with the bank. It’s valid for 15 days. A No-liability Letter, on the other hand, confirms you have no liabilities with the bank.

Request a letter now

If you don’t have an Emirates NBD AED account or if you are addressing the letter to a financial institution: Please visit an Emirates NBD branch with your Emirates ID or passport for identification and we’ll be happy to help. Otherwise, proceed with your request using one of the options below. 


What’s next

Your request will take 6 working days to be processed. You’ll receive an SMS on your registered mobile number once your letter is ready to be collected. Come to your nearest Emirates NBD branch and remember to bring your Emirates ID or passport for identification.

Fees and charges

The fees and charges for a Liability or No-liability letter are determined by your banking package. Click on the relevant link below for details:


Yes, you can issue the letters to your name, however they can’t be addressed to ‘Whom it may concern’.

You could need this letter for a number of 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.