Start Speaking
Please check your microphone and audio levels.
 

Find anything about our products, search our faqs, and more.
Type your query in the search above and press enter to see the results

Try typing "Card activation"

 

Customer Login

Online Banking
Login to manage your banking
smartBUSINESS businessONLINE Brokerage
Emirates NBD
Online Banking
Login to manage your banking
Online Banking smartBUSINESS businessONLINE Brokerage
Search the website
Choose your website / عربي
عربي      
  • Home
  • Personal
  • Priority
  • Private
  • Business
  • Corporate & Institutional
  • Islamic
  • About Us
  • Security Centre
  • Home
  • Personal
    • Personal Banking Home
    • Accounts
      • Accounts Overview
      • Current Accounts
      • Savings and Deposit Accounts
      • Gold Investment Account
      • Value Account
      • New to UAE
      • Open an Account
    • Banking Packages
      • Banking Packages Overview
      • Emirati Package
      • Beyond
      • Plus
      • Plus Maximizer
      • Special Packages
    • Cards
      • Cards Overview
      • Credit Cards
      • Prepaid Cards
      • Debit Cards
      • Commercial Cards
      • Installment Plans
      • More
      • Rewards
      • Card Security
      • Contactless Payments
      • Find the best card for you
      • Get Your Card
    • Wealth & Insurance Solutions
      • Wealth & Insurance Solutions Overview
      • Our Approach
      • Grow Your Wealth
      • Plan for the Future
      • Life, Health & Accident Insurance Plans
      • General Insurance Plans
      • Monthly Investment Plans
      • InvestDaily
      • Apply Now
    • Loans
      • Loans Overview
      • Personal Loans
      • Auto Loans
      • Home Loans
      • Overdraft
      • Apply Now
    • Ways of Banking
      • Ways of Banking Overview
      • Online Banking
      • Mobile Banking
      • Chat Banking
      • Phone Banking
      • e-Statements
      • Interactive Teller Machine
      • e-Payments
      • Branches & ATMs
    • Foreign Exchange
      • Foreign Exchange Overview
      • DirectRemit
      • Foreign Currency Cash
      • Fixed Deposits & Foreign Currency Accounts
      • Demand Draft
      • GlobalCash Card
      • Sending Telegraphic Transfer
      • Receiving Telegraphic Transfer
      • Account to Account Transfer
      • Western Union
    • Promotions
    • More
    • SkyShopper
    • Form Centre
    • New to UAE
    • Calculators
    • Support
  • Priority
    • Priority Banking Home
    • New to Priority
    • Mobile Banking
    • New to Priority?
      • About Priority Overview
      • Start your Priority Banking journey and live your success
    • Mobile Banking
      • Mobile Banking Overview
      • A state-of-the-art Mobile Banking app to bring you all the convenience of banking on the go.
    • Banking Solutions
      • Banking Solutions Overview
      • Accounts
      • Current Accounts
      • Savings Accounts
      • Deposit Accounts
      • Cards
      • Loans and Overdraft Facilities
      • Personal Loans
      • Auto Loans
      • Home Loans
      • Overdraft
      • Foreign Exchange
      • Safe Deposit Lockers
      • Emirati Package
    • Wealth & Insurance Plans
      • Wealth Solutions Overview
      • Our Approach
      • Grow Your Wealth
      • Plan for the Future
      • Knowledge hub
      • Direct Trade
      • Life, Health & Accident Insurance Plans
      • General Insurance Plans
    • Useful Links
      • Priority Banking Centers
      • Schedule of Charges
      • Meet your RM/Setup a call
      • Relationship Manager Evaluation Survey
      • Tools
      • Educational Plan
      • Auto Loan Simulator
      • Retirement Plan
      • Personal Loan Simulator
    • More
    • Form Centre
    • Support
  • Private
    • Private Banking Overview
    • Overview
      • When everyone thinks you've done it all, this is the time to ask yourself, "What's next?".
    • Bespoke solutions
      • Bespoke Solutions Overview
      • Investment Services
      • Trust and Estate Planning
      • Credit Cards
      • Marriott Bonvoy Credit Card
      • Skywards Infinite Credit Card
      • U by Emaar Infinite Credit Card
      • Visa Infinite Credit Card
      • Debit Cards
      • Skywards Debit Card
      • Visa Infinite Debit Card
      • Loans
      • Auto Loans
      • Home Loans
    • CIO's Corner
    • CIO's Corner
      • CIO Corner Overview
      • The weekly, monthly, quarterly reports from our CIO's team
    • Ways of Banking
    • Ways of Banking
      • Ways of Banking Overview
      • Online Banking
      • Mobile Banking
      • businessONLINE
    • Contact Us
    • Contact Us
      • Contact us Overview
      • We are always within your reach
    • Schedule of Fees and Charges
      • Portfolio Accounts
      • Banking Transactions
    • Downloads
      • Core offering
      • Trust and Estate Planning
    • Form Centre
    • Support
  • Business
    • Business Banking Home
    • Starting your Business
    • Business Packages
      • Business Banking Packages overview
      • Business Banking Prime
      • Business Banking Preferred
      • Business Banking Prestige
      • Business Banking Platinum
    • Business Accounts
      • Business Accounts Overview
      • Current Account
      • Fixed Deposit Account
      • Call Deposit Account
    • Business Cards
      • Business Cards Overview
      • Business Credit Card
      • Business Rewards Credit Card
      • Visa Signature Business Debit Card
      • Visa Business Debit Card
    • Running Your Business
      • Running Your Business Overview
      • Cash Management
      • Payments
      • Collections
      • Liquidity
      • Treasury
      • Contracts, Swaps and Options
      • Forward Rate Agreement (FRA)
      • Structured Deposits and Notes
      • Dual Currency Deposits (DCI)
    • Financing Your Business
      • Financing Your Business Overview
      • Working Capital
      • Non-funded
      • Funded
      • Long Term
      • Term Loans
      • Mortgages
      • Vehicle Loans
      • Project Financing
    • Growing Your Wealth
      • Growing Your Wealth Overview
      • Our Approach
      • Grow Your Wealth
      • Plan for the Future
      • Knowledge hub
    • Ways to Bank
      • Ways to Bank Overview
      • smartBUSINESS
      • businessONLINE
      • smartTRADE
      • Phone Banking
      • Branches and Centres
    • Useful Links
      • Schedule of Charges
      • Schedule of Charges – Wealth Management
      • Legacy Schedule of Charges
      • Trade Finance Tariff
      • Relationship Manager Evaluation Survey
      • Legacy Business Packages
      • Frequently Asked Questions
    • Form Centre
    • Support
  • Corporate & Institutional
    • Corporate & Institutional Banking Home
    • Corporate and Institutional Banking
      • Your bridge to opportunities
    • Transaction Banking Services
      • Transaction Banking Overview
      • Cash Management
      • Trade and Supply Chain Finance
    • Islamic Banking Services
    • Investment Banking
      • Investment Banking Overview
      • Debt Capital Markets
      • Loan Syndications
      • Equity Capital Markets
    • Global Markets and Treasury
    • Emirates NBD Research
    • Our Digital Solutions
      • Our Digital Solutions Overview
      • businessONLINE
      • Virtual Accounts
      • smartBUSINESS Connect (host to host)
      • smartTRADE
      • smartSCF
      • smartCDM
      • SWIFT for Corporates
      • ERP Solutions
    • Contact Us
    • Useful Links
      • Schedule of Charges
      • Trade Finance Tariff
      • Standard Settlement Instructions
      • Gold Prices
      • Gold Certificates
      • Fixed Deposit Rates
      • Ebor Saibor Rates
      • FATWAs
      • Sharaf Exchange Deposit Centers
      • Our capabilities
    • Form Centre
  • Islamic
    • Islamic Home
    • About Emirates NBD ISLAMIC
      • Our Offerings
      • Corporate and Institutional Banking
      • Global Markets and Treasury
      • Retail Banking & Wealth management
    • Our Shari’ah Governance
      • Our Shari’ah Governance Overview
      • ISSC
      • Fatwas
      • Profit Rates
  • About Us
    • About Us Home
    • Who we are
      • Who we are
      • About Us
      • Our Vision, Mission & Values
      • Service Charter
      • Awards
      • Board of Directors
      • Management Team
      • Company Details
      • Compliance Certificate
      • Sanctions & Embargoes
      • Governance
      • Sponsorships
    • Investor Relations
      • Investor Relations Overview
      • Financial Information
      • Annual Reports
      • Quarterly Results
      • Financial Highlights
      • Presentations
      • Shareholder Information
      • Annual General Meeting
      • Dividend History
      • Unclaimed Dividend
      • Share Price & Tools
      • Analysts Coverage
      • Consensus Estimates
      • Ownership Statistics
      • Investor's Briefcase
      • Integrated Reports
      • Ratings & Debt
      • Calendar
    • Corporate Social Responsibility
      • Corporate Social Responsibility Overview
      • Our Social Investments
      • #TogetherLimitless
      • Accessibility & Inclusion
      • Careers Network
      • #moneywise
      • Banker for a day
      • Exchanger Volunteer Programme
      • Philanthropy
      • CSR News
      • Newsletters
      • Recognitions
      • Contact CSR
    • Careers
    • Careers
      • Do you think you have what it takes to grow and succeed with us? If so, why not join us?
      • Careers Overview
    • News
    • Contact Us
    • Branches & ATMs
    • IBAN / Swift
  • Online Banking
  • Mobile Banking
  • Branches & ATMs
  • Customer Care
  • Security Centre
  • Choose your website / عربي
Close

Choose your language

التغيير الى العربية English

Emirates NBD International

United Arab Emirates Flag United Arab Emirates
English - عربي
Saudi Arabic Flag Saudi Arabia
English - عربي
Egypt Flag Egypt
English - عربي
Singapore Flag Singapore
English - عربي
United Kingdom Flag United Kingdom
English
India Flag India
English

Our Websites

Skyshopper SkyShopper.com
English
Emirates NBD Asset Management Emirates NBD Asset Management
English - عربي
Emirates NBD Research Emirates NBD Research
English
Emirates NBD Securities Emirates NBD Securities
English - عربي
Emirates NBD Properties Emirates NBD Properties
English - عربي
ENBD Reit ENBD Reit
English - عربي
Liv.
English - عربي
E20.
English
Close  

Get the Emirates NBD Mobile App

Open your account instantly.

Scan this QR code to start

OR

Apply online

Use UAE Pass to submit your application faster.

Open your account

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

Open your account

Overdraft
Secure your account with flexible Cash through OVERDRAFT

An overdraft facility provides you with instant cash support up to 2 times your salary. The amount is available on your account and can be utilized via debit card, cheques, online transfers or standing instruction payments.

Cheque bounce protection

Access to instant cash

Pay interest only on the amount used

Terms and conditions apply.

Apply now

 
 

Overdraft

Easy, Versatile and Convenient

'Overdraft' from Emirates NBD a facility that gives you freedom and flexibility, ensuring you always have cash available for urgent needs.

Overdraft up to 2 times the monthly salary

Cheque bounce protection

Interest charged on amount and usage period

 

Overdraft Features
Instant cash support for a temporary cash shortfall.

Cheque bounce protection

Ideal for emergency cash requirements

Easy repayment options

Pay only for the amount and the time period used

Easy documentation

Instant cash support

Up to 2 times your net monthly salary

90% of the Fixed Deposit under lien with us

Required Documents

Find out the list of documents required with your Personal Loan application:

  • New Loan
    • Valid Passport Copy with Resident Visa page & Emirates ID
    • Latest Salary Certificate / Salary Transfer Letter
    • Undated Security Cheque
    • Latest 3 Months Bank statement
    • DDS Registration Form
  • Switch Loan
    • Valid Passport Copy with Resident Visa page & Emirates ID
    • Latest Salary Certificate / Salary Transfer Letter
    • Latest 3-6 months bank statements
    • Undated Security Cheque
    • Liability letter from existing bank from where loan has been taken
  • Top-up Loan
    • Valid Passport Copy with Resident Visa page & Emirates ID
    •  Latest Salary Certificate / Salary Transfer Letter
    •  Undated Security Cheque

    Terms & Conditions:

    Additional Notes:

  • This document checklist contains the list of all the essential documents required to process your request.
  • If any of the required documents as per the checklist are missing, the process of the application may be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Please ensure all documents are in order as per the checklist before visiting the branch, for quick processing and faster turnaround times.
 

What are people asking?

  • What is an Overdraft?

    It is a limit granted on your current account that allows you to withdraw up to this amount even when there is no funds / credits available in your account.

  • Am I eligible for Overdraft?

    You will be eligible if your salary account is with us and your company is on our approved list for overdraft facility. Your minimum net monthly income must be AED 3,000 per month.

  • What is the amount I can get as an overdraft?

    There are 2 types of Overdraft you can choose from:

    • Overdraft against salary transfer:
      • Overdraft limit up to 2 times of net monthly salary
    • Overdraft against FD:
      • Overdraft Limit will be 90% of the Fixed Deposit. Fixed Deposit with ENBD will be marked under lien for the OD facility.

  • How many salary credits are required before availing this facility?

    Once your Overdraft application is processed and approved, limit will be made available in your account immediately if you have an existing salary transfer. Otherwise, limit will be made available after the first salary is credited.

  • How do I utilize this amount?

    This amount is made available in your account. It can be utilized through the various modes i.e. ATM, cheques, debit card purchases, online transfers, standing instruction payments etc.

Show More

  • What is an Overdraft?

    It is a limit granted on your current account that allows you to withdraw up to this amount even when there is no funds / credits available in your account.

  • Am I eligible for Overdraft?

    You will be eligible if your salary account is with us and your company is on our approved list for overdraft facility. Your minimum net monthly income must be AED 3,000 per month.

  • What is the amount I can get as an overdraft?

    There are 2 types of Overdraft you can choose from:

    • Overdraft against salary transfer:
      • Overdraft limit up to 2 times of net monthly salary
    • Overdraft against FD:
      • Overdraft Limit will be 90% of the Fixed Deposit. Fixed Deposit with ENBD will be marked under lien for the OD facility.

  • How many salary credits are required before availing this facility?

    Once your Overdraft application is processed and approved, limit will be made available in your account immediately if you have an existing salary transfer. Otherwise, limit will be made available after the first salary is credited.

  • How do I utilize this amount?

    This amount is made available in your account. It can be utilized through the various modes i.e. ATM, cheques, debit card purchases, online transfers, standing instruction payments etc.

  • What is the validity on OD & when will my limit get renewed?

    OD validity is 12 months (from the date of setup). Based on the account performance and salary credits, the limit will be renewed after 12 months on application.

  • How is the interest calculated on Overdraft?

    The best thing about Overdraft is that you will be charged interest only for the amount and the number of days it's used. In case you have not used the Overdraft amount granted, you will not be charged any interest.

    For instance, your Overdraft limit is AED 10,000 and have utilized only AED 1,000 for 7days, at the rate of 18% p.a. (1.5% Per month), you will be charged approximately AED 3.45 interest for that month. (AED 1,000 x 18% / 365days * 7 days)

  • How to apply?

    OD application can be done on the below channels.

    • EmiratesNBD Branch
    • EmiratesNBD website
    • EmiratesNBD Call Center

  • What are the required documents? (Documents can be waived if customer has a PL or Salary transfer to EmiratesNBD)

    OD application can be done on the below channels.

    • Passport & EID
    • Salary Certificate
    • Security Cheque

  • How to pay back the amount taken?

    Once cash or salary is credited to the account, it will be considered as payment against OD.

  • Do I need Security Cheque?

    Yes. Security Cheque is required if OD limit is less than AED 50,000, but if you have an existing personal loan with us, security cheque will be waived.

  • Can I apply for Overdraft facility if my company is non listed?

    Yes. If you are working with non-listed employer, you can apply provided your salary is above AED 6,000, with a minimum length of service 6 months & having salary transfer relationship with Emirates NBD for minimum period of 6 months.

Related Links & Documents

  • Fees and Charges
  • Borrow Wisely FAQ's
  • Loans Services and Schedule
  • Al Watani Al Islami Terms and Conditions
  • General Terms and Conditions
  • Overdraft - Terms and Conditions
 

Secure your account with flexible Cash through OVERDRAFT

Start and grow your banking relationship today with the Best Retail Bank in the Middle East and get rewarded.

WHAT OUR CUSTOMERS SAY

"I got the loan very easily with minimum documents required"

"Basically I went to top up my personal loan. There was quite good cooperation from bank staff they told me what to do and time"

145K
Disbursed Loans

82
Happiness Score

Apply now

145K
Disbursed Loans

82
Happiness Score

 
Close  

7-day Loan Return Option

Customers who are not satisfied after the personal loan is disbursed have the option to return the loan for free with the waiver of all fees and charges accrued. Following are the conditions:

  • Customer must notify the sales agent / bank within 7 calendar days
  • The loan proceeds credited in the customer's account should be available and not withdrawn after disbursal, which means from the date of credit until the date the loan is returned
  • The loan amount credited in the customer's accounts should be available and the offer is valid only for fresh cases, without liability settlements (Not applicable on Top Up's and Take Over/Transferred loans from other banks)

Close  

Credit life Insurance (CLI)

Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.

*Subject to Terms of the policy, Terms & Conditions apply.

How was your website experience today?

Branches & ATMs
Customer Care
Key Facts Statement (KFS)
IBAN / Swift
Apply Now for a Product

Segments

  • Personal
  • Priority
  • Private
  • Business
  • Corporate & Institutional

Products

  • Accounts
  • Cards
  • Loans
  • Personal Loans
  • Home Loans
  • Auto Loans
  • Calculate Your Loan
  • Insurances
  • Foreign Exchange

Customer Care

  • Contact Us
  • Frequently Asked Questions
  • How to update your information
  • Branches and ATMs

Security

  • Security Tips
  • Emails we send
  • ATM Security
  • Online Security

Tools & Others

  • Loan Calculators
  • IBAN - Swift Numbers
  • How to update your KYC details
  • Fixed Deposit Rates
  • FX Exchange Rates
  • Form Centre
  • New to UAE

Important links to Key Product Facts

  • Key Facts Statement (KFS)
  • Terms and Conditions
  • Schedule of Charges (SOC)
  • Cookie Policy
  • Data Privacy Notice

About Emirates NBD

  • About Us
  • Media Center & News
  • Corporate Responsibility
  • Investor Relations
  • Financial Results
  • Branches and ATMs
  • Careers

Common Reporting Standard FAQ's

  • Individuals
  • Entities
Subscribe and stay updated
Get exclusive deals, latest promotions and important information
Close


Subscribe and stay updated!
Get exclusive deals, latest promotions and important information

All this and more in the Emirates NBD newsletter

Subscribe to our newsletter

Subscribe
Please wait
We are processing your request
Download our Mobile Banking App
SkyshopperShop with SkyShopper
Choose your website / عربي Choose your website / عربي
Emirates NBD Expo Logo
Copyright © 2022 Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE 1B

You are leaving the Emirates NBD Website

You will now be redirected to an external website to view this content. Emirates NBD or any of its subsidiaries does not bear liability/responsibility for any other information published by the website owner or publisher.

You will be redirected in 5 Seconds

Click here if you are not redirected automatically

Share on
Facebook Twitter Whatsapp Copy
URL copied to clipboard