DirectRemit
Money transfers that you can count on

• What is DirectRemit?

  It is an innovative remittance service provided by Emirates NBD which allows customers to do instant money transfers to their home country for free.

• Which Emirates NBD channels can be used to initiate a DirectRemit transfer?

  Clients could initiate the DirectRemit transaction via Online Banking and Mobile Banking.

• Can clients do a DirectRemit transfer to any country?

  Currently DirectRemit option is available for India, Philippines, Pakistan, Sri Lanka, Egypt and United Kingdom.

• Are there any fees and charges?

  No. Clients can do unlimited number of DirectRemit transactions for free.

• What is the minimum amount which customers can transfer via DirectRemit?

  An equivalent of AED 100 in their respective home currency.

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• What is DirectRemit?

  It is an innovative remittance service provided by Emirates NBD which allows customers to do instant money transfers to their home country for free.

• Which Emirates NBD channels can be used to initiate a DirectRemit transfer?

  Clients could initiate the DirectRemit transaction via Online Banking and Mobile Banking.

• Can clients do a DirectRemit transfer to any country?

  Currently DirectRemit option is available for India, Philippines, Pakistan, Sri Lanka, Egypt and United Kingdom.

• Are there any fees and charges?

  No. Clients can do unlimited number of DirectRemit transactions for free.

• What is the minimum amount which customers can transfer via DirectRemit?

  An equivalent of AED 100 in their respective home currency.

• In which currency the amount should be entered?

  Customers should enter the amount in remittance CCY (INR, PHP, PKR, LKR, EGP and GBP). Applicable exchange rate is displayed on the transfer screens before initiating the transaction.

• Can customers send other than the home country currency?

  No. Clients can remit only in their home currency.

• Which segments can use DirectRemit Option?

  DirectRemit remitting facility is available for individuals only from Personal Banking, Priority Banking and Private Banking segments.

• Can customers transfer funds to One Time Beneficiary?

  No. There is no such option available on Online/Mobile Banking.

• Do customers need to add the beneficiary in the frequent beneficiary list before initiating the transaction?

  Yes, customers need to add the beneficiary before initiating transfer.

• When can customer send money to newly added beneficiary?

  Customer can send money to newly added beneficiary only after 24 hrs.

• How many beneficiaries a customer can add within 24 hours?

  A customer can add only 3 beneficiaries (across all transfer & payment types) within 24 hours.

• Can customers edit/modify saved beneficiary?

  No, customers cannot edit/modify saved beneficiary details. To update beneficiary please delete and add new beneficiary.

• What is the maximum remitting amount which customers can send via DirectRemit?

  DR Corridors	Maximum Remitting Amount*
  India	INR 1,000,000.00
  United Kingdom	GBP 25,000.00
  Philippines	PHP 500,000.00
  Pakistan	PKR 500,000.00
  Sri Lanka	LKR 999,999.00
  Egypt	EGP 100,000.00

  *Segment Limit is applicable

  • Personal Banking: AED 300,000
  • Priority Banking: AED 600,000
  • Private Banking: AED 1,000,000
• What are all the available currencies which customers can remit using DirectRemit option?
  • INR for DirectRemit to India
  • PHP for DirectRemit to Philippines
  • PKR for DirectRemit to Pakistan
  • LKR for DirectRemit to Sri Lanka
  • EGP for DirectRemit to Egypt
  • GBP for DirectRemit to United Kingdom
• What is the processing time for DirectRemit transfers?

  DirectRemit to India:

  All requests received for transfers to HDFC Bank, ICICI Bank & State Bank of India account will be processed within 60 seconds, subject to accuracy of details.

  Transfers to other Indian Banks will be processed within 60 minutes if received during Reserve Bank of India NEFT timings.

  DirectRemit transfer requests received between 11:00 p.m. – 01:00 a.m. shall be processed by 08:00 a.m. (UAE Time)

  Note: 2nd and 4th Saturdays of each month are bank holidays in India.

  DirectRemit to Philippines:

  All requests received for transfers to BDO (Banco De Oro) Bank accounts and other Bank accounts* (transfer amount up to PHP 50,000), credit will be processed within 60 seconds, subject to accuracy of details.

  Transfers to all other bank accounts in Philippines will be processed within one working day.

  DirectRemit transfer requests received between 11:00 p.m. – 01:00 a.m. shall be processed by 08:00 a.m. (UAE Time)

  *via Instapay service - refer member bank list for eligible accounts

  Asia United Bank Corporation	Land Bank of the Philippines	RCBC Savings Bank, Inc.
  Bank of Commerce	Malayan Bank Savings and Mortgage Bank, Inc.	Rizal Commercial Banking Corporation
  Bank of the Philippine Islands	Maybank Philippines, Inc.	Robinsons Bank Corporation
  BDO Unibank, Inc.	Metropolitan Bank and Trust Company	Security Bank Corporation
  China Bank Savings, Inc.	Philippine Bank of Communications	Union Bank of the Philippines
  China Banking Corporation	Philippine Business Bank, Inc., A Savings Bank	United Coconut Planters Bank
  CTBC Bank (Philippines) Corporation	Philippine National Bank	Equicom Savings Bank, Inc.
  Development Bank of the Philippines	Philippine Savings Bank	Philippine Veterans Bank
  East West Banking Corporation	Philippine Trust Company

  DirectRemit to Pakistan:

  • All requests received for transfers to Faysal Bank account, credit will be processed within 60 seconds of the request, subject to accuracy of details.
  • Transfers to all other bank accounts in Pakistan will be processed within 60 minutes.
  • DirectRemit transfer requests received between 11:00 p.m. – 01:00 a.m. shall be processed by 08:00 a.m. (UAE Time)

  DirectRemit to Sri Lanka:

  • This function will enable you to transfer funds in LKR to any bank in Srilanka.
  • All requests received for transfers to HNB account, credit will be processed within 60 seconds of the request, subject to accuracy of details.
  • Transfers to all other bank accounts in Srilanka will be processed within 60 minutes.
  • DirectRemit transfer requests received between 11:00 p.m. – 01:00 a.m. shall be processed by 08:00 a.m. (UAE Time).

  DirectRemit to Egypt:

  • Transfer to Emirates NBD Egypt Bank account will be credited within 60 seconds and the service is available 24x7.
  • Transfers to other banks in Egypt can be requested via regular SWIFT -International transfer option and processed within 1 working day, for requests received up to 2:00 pm UAE time Saturday - Thursday.

  DirectRemit to United Kingdom:

  • Transfers to Lloyds Bank UK account (Monday-Friday) between 10:00 am to 4:00 pm UAE time, credit will be processed within 60 seconds.
  • Transfers to all other bank accounts in the United Kingdom will be processed within 60 minutes if received during above mentioned time and subject to accuracy of details.
  • Transfer requests received post the above-mentioned time will be processed the next working day at applicable rates during the time of processing. Beneficiary IBAN is mandatory for DirectRemit to UK transfers.
• Can the customer initiates DirectRemit transaction as a standing order?

  Yes. Customer can set DirectRemit transfers as SI and segment charges for setting the SI will be applicable. (Please refer the Schedule of Charges for each segment).

  Standing Instruction is presently unavailable for DirectRemit to Sri Lanka & United Kingdom.

• Why do some customers get the below pop-up message while initiating DirectRemit transfers?

  "We are unable to process your DirectRemit transfer. You can continue processing your request via regular international transfers".

  Due to internal bank policy, some customers may not be able to transfer using DirectRemit option as the bank may require additional details for processing the same; hence this would need to be processed using Emirates NBD international transfer service.

• What will happen if customers click Ok, once they get the above message?

  Transaction will be converted from DirectRemit to normal Swift transfer and turnaround time for processing the international Telegraphic Transfers via SWIFT shall be applicable

• Are there any charges for DirectRemit transactions which get converted to Swift?

  No. All DirectRemit transactions which have been converted to normal international transfers (TT) will be processed free of charges (correspondent bank charges if any may apply)

• Is it mandatory to choose the purpose of payment for initiating a transaction?

  Yes. Customers should choose the purpose of payment for any DirectRemit transfer.

• What purpose of payments are available for DirectRemit to Philippines, Pakistan, Sri Lanka, Egypt, India and United Kingdom?

  The purpose of payment is static for DirectRemit to Philippines, Pakistan, Sri Lanka and Egypt as below:

  "Overseas Filipino Workers remittances" for Philippines

  "Home Remittance" for Pakistan.

  "Remittance toward family maintenance and savings" for Sri Lanka

  "Credit to NRE in EGP or Payment towards family expenses" for Egypt

  For India, customers should choose one of the below purposes:

  • Credit to NRE in INR
  • Remittance from India non-residence towards family maintenance and savings
  • Payment to LIC, UTI & PostMaster
  • Payment to Educational Institution
  • Payment for medical treatment
  • Payment to travel agent

  For United Kingdom, customers should choose one of the below purposes:

  • Transfer to own accounts
  • Payment towards family maintenance
  • Payment to Educational Institution
  • Payment for Medical treatment
  • Payment to hotel
  • Reference for beneficiary
  • Reference for ordering customer
  • Invoice
• Can customers open accounts with partner banks?

  Yes. Customers can request for opening an HDFC Bank, ICICI Bank and NRE Egypt account online by visiting Emirates NBD website page under NR packages.

  Currently this option is unavailable with partner bank accounts for Philippines, Pakistan, Sri Lanka and United Kingdom.

• Can customers cancel or amend a DirectRemit request?

  No. DirectRemit transactions cannot be cancelled or amended once processed since these are STP (straight-through-process) transactions which are sent instantly to our partner bank in respective country.

• What is the reversal process, in case of rejected transaction due to incorrect details provided by the customer or remitter?

  Reversals of rejected and unsuccessful transfers shall be posted to customer's account within 3 - 5 working days (Excluding UAE & Beneficiary country public holidays) and Customer Buy (CUB) rates shall be applicable.

  Customers are liable to bear the exchange loss should there be any, for providing incorrect beneficiary details.

• What if the funds are not credited within the specified time to my beneficiary account?

  If your transfer was done during the DirectRemit service working hours and due to technical reasons the credit to your beneficiary account has been delayed, we would like to assure you that your transfer shall be processed as soon as possible & funds will be credited to your beneficiary account subject to accuracy of details.

  If your transfer was done after the cut off time, the transferred amount will be credited to your beneficiary account on the next working day.

  In either case, if the funds are not credited by the next working day, please contact our Call Center on 600540000 for further assistance.