Overdraft

Instant cash support at your fingertips!

Access instant funds using your salary or fixed deposit.
Experience the convenience of our overdraft product today!

Pay interest only on the amount you use

Access to
instant funds

Cheque bounce
protection

Apply now

Overdraft

Get your loan

Let us help you with your loan

Overdraft against Salary
Overdraft against Fixed Deposit

Key benefits and highlights

Interest rates of 1.5% per month or 18% per annum
Instant Overdraft after the first salary is credited to a salary transfer account
Valid for 12 months, can be renewed based on account performance and salary credits
Interest charged only on amount used and for the number of days it is used
No documents required for existing Personal Loan customers

Apply now

How much do you want to borrow and for how long?

AED 5,000 AED 100,000

1 days 31 days

You can borrow {0} Overdraft

with monthly payment as low as

AED

Key benefits and highlights

Borrow up to 80% of your Emirates NBD Fixed Deposit (from AED25,000 to AED1 million)
Valid for 12 months, can be renewed based on the account performance and Fixed Deposit validity
Interest charged only on the amount used and for the days it is used
The Fixed Deposit will be under lien favouring Emirates NBD

Apply now

How much do you want to borrow and for how long?

AED 5,000 AED 100,000

1 days 31 days

You can borrow {0} Overdraft

with monthly payment as low as

AED

Benefits of getting an overdraft with Emirates NBD

Cheque bounce protection

Instant cash up to twice your salary

Payment automatically debited from account

Pay interest only on the amount used and for the period of the loan

Borrow up to 90% of your fixed deposit with us

No documents if you have a salary transfer account or personal loan with us

Eligibility

Minimum salary: AED 3,000

No minimum length of service for customers with salary transfer accounts; 6 months’ service required for everyone else

For employees of both listed and non-listed companies

Documents required to apply

For a new overdraft request

Passport and Emirates ID
Salary certificate
Security cheque

Additional notes

Please ensure you have all the documents in the above checklist, so we can process your application faster
Additional documents may be required at the bank’s discretion

For a new overdraft request

Passport and Emirates ID
Salary certificate
Security cheque

Additional notes

Please ensure you have all the documents in the above checklist, so we can process your application faster
Additional documents may be required at the bank’s discretion

Apply for an Emirates NBD loan and be part of 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 now

Borrow wisely – a few things you should know

If you don’t make the monthly payments towards your loan on time, you will incur a late payment fee
Missing repayments can affect your credit score, limiting your ability to access loans or financing in the future
If you refinance your loan or defer your payments, your loan will take longer to pay back, and you may pay more interest
If you can’t meet a monthly payment, apply in advance for a deferment. You can do this up to twice a year

It’s important to read the terms and conditions and know the fees and charges before you apply for a loan.