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التغيير الى العربية English
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You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
Your passport
Proof of income
A minimum salary of AED 5,000
With DirectRemit, you can transfer money to your home country using Online or Mobile Banking in 60 seconds for FREE available round-the-clock
Login to Online Banking now to start transferring today.
As an Emirates NBD customer, enjoy DirectRemit wherever you are and as many times as you like
DirectRemit to
United Kingdom
Features
DirectRemit to
India
Features
DirectRemit to
Pakistan
Faysal Islami - Roshan Digital Account
*PKR | USD | GBP | EURO | CNY | AED | CAD | SAR
Features
You may remit funds to Pakistan to one of the following banks*
IBFT & RTGS member Banks & Account Digit Specifications | |
---|---|
Bank Name | Account No. Length |
Al Baraka Bank Limited | 13 Digit |
Allied Bank Limited | 13 Digit or 20 digit |
Askari Commercial Bank Limited | 13 Digit |
Apna Microfinance Bank | 16 digit |
Bank Al Habib Limited | 17 Digit |
Bank AlFalah Limited | 14 Digit or 12 Digit or 18 Digit |
Bank of Punjab | 17 Digit |
Bankislami Pakistan Limited | 15 Digit |
Burj Bank Limited | 16 Digit |
Dubai Islamic Bank Pakistan Limted | 10-Digit |
Faysal Bank Limited | 14 digit or 16 digit |
Habib Bank Limited | 14 Digit |
Habib Metropolitan Bank Limited | 19 digit |
JS Bank | 6 Digit |
KASB Bank Limited | 13 Digit |
Meezan Bank Limited | 14 Digit |
Muslim Commercial Bank | 16 digit |
National Bank of Pakistan | 16 digit |
NIB Bank Limited | 15 digit |
SAMBA BANK LIMITED | 10 digit |
Silk Bank | 14 Digit |
Soneri Bank Limited | 15 Digit |
Standard Chartered Bank | 11 Digit |
Summit Bank | 20 digit |
Sindh bank | 14 digit |
Tameer Bank | 15 Digit |
United Bank Limited | 16 Digit |
DirectRemit to
Philippines
Features
*via Instapay service - refer member bank list in FAQ
DirectRemit to
Sri Lanka
Features
Processing time
DirectRemit to
Egypt
Features:
Processing time:
Crediting time:
Inward Telegraphic Transfer
Account to Account Transfer
Special Rate Deal Booking
Foreign currency cash via branches
Online FCY Remittances
DirectRemit
Start and grow your banking relationship today
with the Best Retail Bank in the Middle East* and get rewarded.
"I walked in and opened an account in less than 10 minutes. Your staff is amazing!"
Nour El-Sayed
*The Asian Banker Excellence in Retail Financial Services International Awards 2018.
Additional guidelines & terms related to remittances
Please find below the applicable terms and related customer notifications for processing of various FX transactions across Emirates NBD services and channels.
Additional guidelines & terms related to remittances
Please find below the applicable terms and related customer notifications for processing of various FX transactions across Emirates NBD services and channels:
FX rates are indicative
Warning: This product/service may be affected by changes in foreign currency exchange rates.
Exchange rate displayed on transfer pages are indicative. Prevailing rates will be applied at the time of processing.
Processing time
Warning: The actual time to complete a transaction may differ from estimates due to increased scrutiny of transactions by the correspondent bank/financial institution or entity providing financial services to the beneficiary of remittances.
Penalties & Fees
Warning: Penalties and Fees may be applied if there is a customer error or omission in providing correct or incomplete information for remittances.
Ensure accuracy of details provided prior to submitting the transfer request. In case if customer provides incorrect or incomplete details transactions will be rejected & refunded at prevailing exchange rates and loss if any will have to be borne by the remitter.
Additional fees by correspondent bank
Warning: Additional fees may be levied by the correspondent bank/financial institution or entity providing financial services to the beneficiary of remittances.
The beneficiary payout amount may be subject to additional costs. Correspondent bank charges may be applicable subject to currency, destination country/bank and amount basis selection of charge code.
Correspondent Bank charges for International Transfers
Cooling-off waiver
Customer agrees to waive cooling-off period for the FX transaction as it requires immediate processing.
Ensure accuracy of details provided prior to submitting the transfer request. To cancel or recall any transfer sent, contact the Emirates NBD call center/branch for submitting the request within 24 hours. The processing of such request is subject to refund/reversal confirmation from beneficiary or correspondent bank. Exchange loss amount, if any, shall be levied in such cases.
Please refer to respective service pages for applicable processing time, cancellation process and other related FAQs:
إرشادات وشروط إضافية تتعلق بعمليات التحويل بالعملات الأجنبية
يرجى الاطلاع أدناه على الشروط المطبقة والإشعارات ذات الصلة الخاصة بـالعملاء والمتعلقة بمعالجة المعاملات المنفذة بالعملات الأجنبية المختلفة عبر خدمات وقنوات بنك الإمارات دبي الوطني:
إن أسعار العملات الأجنبية هي أسعار إرشادية
تحذير : يخضع هذا المنتج (أو الخدمة) بالتغييرات التي تطرأ على أسعار الصرف بالعملات الأجنبية.
إن أسعار الصرف المذكورة على صفحات دليل التحويل هي أسعار إرشادية فقط وهي تخضع للتغيير والتعديل. سيتم تطبيق أسعار الصرف السائدة عند إجراء عملية التحويل.
وقت المعالجة
تحذير : قد يختلف الوقت الفعلي اللازم لإتمام المعاملة عن الوقت التقديري له نتيجة للتدقيق الزائد لـ المعاملات المنفذة من قبل البنك المراسل/ المؤسسة المالية أو الجهة التي تقدم خدمات مالية للمستفيد من عمليات التحويل.
العقوبات والرسوم
تحذير : قد يتم فرض رسوم في حال وجود خطأ من قبل العميل أو في حال تقديم معلومات غير صحيحة أو غير مكتملة عند إنشاء عملية التحويل.
يرجى التأكد من دقة المعلومات و التفاصيل قبل إنشاء عملية طلب التحويل . وفي حال ارتجاع مبلغ التحويل بسبب عدم صحة البيانات المقدمة أو بسبب عدم كفايتها فسيتم رفض عملية التحويل وإرجاع المبلغ بحسب سعر الصرف السائد وسيتحمل العميل المحول اي خسائر متكبدة نتيجة لذلك.
الرسوم الإضافية المطبقة من قبل البنك المراسل
تحذير : قد يتم فرض رسوم إضافية من قبل البنك المراسل / المؤسسة المالية أو الجهة التي تقدم خدمات مالية على المستفيد من عمليات التحويل.
قد يخضع المبلغ المدفوع للمستفيد لتكاليف أو رسوم إضافية. تُطبق الرسوم من قبل البنك المراسل وفقاً لــ العملة, الوجهة أو الدولة ، البنك والمبلغ وذلك على أساس المصاريف المطبقة والرسوم في بلد الدفع أو البنك المراسل.
رسوم التحويلات الدولية المطبقة من البنك المراسل
التنازل عن فترة السماح للإلغاء
يوافق العميل أنه لن توجد فترة سماح للإلغاء عند تنفيذ أي معاملة بالعملات الأجنبية لأن مثل هذه العمليات تتطلب معالجة فورية.
يرجى التأكد من دقة التفاصيل المقدمة قبل تقديم طلب التحويل. لإلغاء أو لإسترجاع أي عملية تحويل تم إرسالها، اتصل بمركز الاتصال أو أي من فروع بنك الإمارات دبي الوطني لتقديم طلبك خلال 24 ساعة من وقت تنفيذ العملية. ستخضع معالجة مثل هذه الطلبات لشرط إستلام إشعار تأكيد عملية الإسترجاع أو الإلغاء المستلم من قبل المستفيد أو البنك المُراسل بعملية التحويل. سيتم في مثل هذه الحالات تحصيل أي مبلغ تمّ خسارته خلال تنفيذ عملية صرف العملة الأجنبية.
يرجى الرجوع إلى صفحات الخدمة المعنية لمعرفة وقت المعالجة المطبق وإجراءات عملية الإلغاء والأسئلة الشائعة الأخرى ذات الصلة:
What are people asking?
It is an innovative remittance service provided by Emirates NBD which allows customers to do instant money transfers to their home country for free.
Clients could initiate the DirectRemit transaction via Online Banking and Mobile Banking.
Currently DirectRemit option is available for India, Philippines, Pakistan, Sri Lanka, Egypt and United Kingdom.
No. Clients can do unlimited number of DirectRemit transactions for free.
An equivalent of AED 100 in their respective home currency.
It is an innovative remittance service provided by Emirates NBD which allows customers to do instant money transfers to their home country for free.
Clients could initiate the DirectRemit transaction via Online Banking and Mobile Banking.
Currently DirectRemit option is available for India, Philippines, Pakistan, Sri Lanka, Egypt and United Kingdom.
No. Clients can do unlimited number of DirectRemit transactions for free.
An equivalent of AED 100 in their respective home currency.
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.
No. Clients can remit only in their home currency.
DirectRemit remitting facility is available for individuals only from Personal Banking, Priority Banking and Private Banking segments.
No. There is no such option available on Online/Mobile Banking.
Yes, customers need to add the beneficiary before initiating transfer.
Customer can send money to newly added beneficiary only after 24 hrs.
A customer can add only 3 beneficiaries (across all transfer & payment types) within 24 hours.
No, customers cannot edit/modify saved beneficiary details. To update beneficiary please delete and add new beneficiary.
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
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:
DirectRemit to Sri Lanka:
DirectRemit to Egypt:
DirectRemit to United Kingdom:
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.
"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.
Transaction will be converted from DirectRemit to normal Swift transfer and turnaround time for processing the international Telegraphic Transfers via SWIFT shall be applicable
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)
Yes. Customers should choose the purpose of payment for any DirectRemit transfer.
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:
For United Kingdom, customers should choose one of the below purposes:
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.
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.
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.
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.
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WHAT OUR CUSTOMERS SAY
"Amazed with the speed of DirectRemit by Emirates NBD.
It was literally in seconds!"
WHAT OUR CUSTOMERS SAY
"Just transferred money through Emirates NBD Online Banking and within 2 minutes I received it in Pakistan. Really impressed!"