Required Documents

Find out the Required Documents for Accounts.

• Account Opening
  • UAE Nationals
    • Identification
      • Original Emirates ID for sighting, verified copy of Emirates ID and copy of passport for records
    • In case of a Salary Transfer Account, one of the following documents to be obtained:
      • Copy of Labor Card
      • Copy of Employee ID
      • Latest Salary Letter
      • Copy of employment visa page from the Passport
  • Residents
    • Identification
      • Original Emirates ID for sighting, verified copy of Emirates ID and copy of passport for records
    • In case of salary transfer account, any one of the following document to be obtained
      • Valid Salary Transfer Letter (i.e. 30 days from date of issue for non-government companies. For government company, validity as mentioned in the letter.)
      • Copy of Appointment Letter / Contract Copy
      • Copy of Pay slip (less than 3 months old)
      • Consolidated letter from HR for bulk accounts. (Check and ensure amount of salary for each employee mentioned in the said letter)
      • Statement reflecting credit of previous month’s salary
  • Non-Residents
    • Passport (Original for sighting and photocopy for records), copy of valid visit visa and one of the following documents to be obtained:
      • Utility Bill (Not more than 3 months old)
      • Bank Statements (not more than 3 months old, copies of bank statements printed from the Internet is acceptable)
      • Reference letter from bankers in home country confirming the length and nature of the relationship (minimum 12 months) and the residential address of the customer as per the bank records
  • GCC Nationals
    • Identification
      • Original Passport/UAE National ID and Passport copy
    • For Current/Checking Accounts any one of the following documents to be obtained:
      • Original Labour card and copy for records
      • Original work permit and copy for records
      • Letter from employer
      • Copy of recent (last 3 months) Telephone/Electricity Bill
      • Valid UAE National ID
      • Valid Tenancy Contract in the name of customer
  • Bedouins
    • Identification
      • Letter from Ministry of Interior stating that customer is Bedouin
      • If employed: Labour Card
      • If not employed: Any other government photo ID
  • Illiterates
    • 2 Passport size photographs for Identification
  • Non-Individuals
    • Identification
      • Passport Copy and EIDA Copy of all signatories/owners/directors
      • Trade License if company incorporated in UAE.
      • MOA (Memorandum of association)
      • Board Resolution

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • For Joint Account Opening the documents specific to the type of customer to be obtained for all customers
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Prerequisites to Initiate Account Closure
  • Items to be surrendered
    • Cheque Book/s
    • Debit Card/s
  • All available funds in the account withdrawn
  • Account closure initiated within 1 year from account opening:
    • If yes, charges applicable as per Emirates NBD Fees and Charges
  • Additional Requirements:
    • Cancel all Standing Instructions on the account
    • Cancel all Direct Debit Instructions on the account
    • Fixed Deposit linked to the account: Fixed Deposit to be closed prior to account closure
    • Loan linked to the account: Loan amount to be settled

  Please Note:

  • This Document contains all the essential requirements to process your request.
  • For Joint Account Closure, account closure request to be signed and submitted by all account holders.
  • If any of the requirements listed below are incomplete, the processing of your application could be delayed
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Addition of a Joint Account Holder
  • UAE Nationals
    • Identification
      • Original Passport for sighting and verified copy for records or
      • Original National ID for sighting, verified copy of National ID and Passport for records or
      • Original Khulasat Al Qaid and verified copy for records
  • Residents
    • Identification
      • Original Passport and verified Passport copy with valid UAE residence visa for records or
      • Original National ID for sighting, National ID and Passport copy for records
  • GCC Nationals
    • Identification
      • Original Passport/UAE National ID and Passport copy
    • For Current/Checking Accounts any one of the following documents to be obtained:
      • Original Labour card and copy for records
      • Original work permit and copy for records
      • Letter from employer
      • Copy of recent (last 3 months) Telephone/Electricity Bill
      • Valid UAE National ID
      • Valid Tenancy Contract in the name of customer
  • Unlearned
    • 2 Passport size photographs for Identification

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Deletion of a Joint Account Holder
  • Passport/Emirates ID for Identification
  • A request for deletion to be jointly signed by all the existing account holders
  • Cheque Book/s need to be surrendered
  • Debit Card of the Account Holder to be deleted needs to be surrendered

  Please Note:

  • This Document contains all the essential requirements to process your request.
  • If any of the requirements listed below are incomplete, the processing of your application could be delayed.
  • The primary Joint account holder cannot be deleted, only the secondary can be deleted.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Change in Package or Segment
  • Passport/Emirates ID for Identification

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• To Stop the Payment of a Cheque
  • Requests for Stop Payment of cheques can be accepted only when the Cheque/Cheque Book is lost or stolen with the following document:
    • Police report for the lost/stolen cheques

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Updating Employment Details
  • New Salary Transfer letter with EOSB assignment from New Employer (Personal Loan cases)
  • New Valid Visa
  • New Labour Card
  • New Contract Copy
  • Copy of Emirates ID / Proof showing Emirates ID is applied
  • Passport copy (if required)
  • Security Cheque (If applicable)

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.

Required Documents

Find out the Required Documents for Accounts.

• Account Opening
  • UAE Nationals
    • Identification
      • Original Emirates ID for sighting, verified copy of Emirates ID and copy of passport for records
    • In case of a Salary Transfer Account, one of the following documents to be obtained:
      • Copy of Labor Card
      • Copy of Employee ID
      • Latest Salary Letter
      • Copy of employment visa page from the Passport
  • Residents
    • Identification
      • Original Emirates ID for sighting, verified copy of Emirates ID and copy of passport for records
    • In case of salary transfer account, any one of the following document to be obtained
      • Valid Salary Transfer Letter (i.e. 30 days from date of issue for non-government companies. For government company, validity as mentioned in the letter.)
      • Copy of Appointment Letter / Contract Copy
      • Copy of Pay slip (less than 3 months old)
      • Consolidated letter from HR for bulk accounts. (Check and ensure amount of salary for each employee mentioned in the said letter)
      • Statement reflecting credit of previous month’s salary
  • Non-Residents
    • Passport (Original for sighting and photocopy for records), copy of valid visit visa and one of the following documents to be obtained:
      • Utility Bill (Not more than 3 months old)
      • Bank Statements (not more than 3 months old, copies of bank statements printed from the Internet is acceptable)
      • Reference letter from bankers in home country confirming the length and nature of the relationship (minimum 12 months) and the residential address of the customer as per the bank records
  • GCC Nationals
    • Identification
      • Original Passport/UAE National ID and Passport copy
    • For Current/Checking Accounts any one of the following documents to be obtained:
      • Original Labour card and copy for records
      • Original work permit and copy for records
      • Letter from employer
      • Copy of recent (last 3 months) Telephone/Electricity Bill
      • Valid UAE National ID
      • Valid Tenancy Contract in the name of customer
  • Bedouins
    • Identification
      • Letter from Ministry of Interior stating that customer is Bedouin
      • If employed: Labour Card
      • If not employed: Any other government photo ID
  • Illiterates
    • 2 Passport size photographs for Identification
  • Non-Individuals
    • Identification
      • Passport Copy and EIDA Copy of all signatories/owners/directors
      • Trade License if company incorporated in UAE.
      • MOA (Memorandum of association)
      • Board Resolution

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • For Joint Account Opening the documents specific to the type of customer to be obtained for all customers
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Prerequisites to Initiate Account Closure
  • Items to be surrendered
    • Cheque Book/s
    • Debit Card/s
  • All available funds in the account withdrawn
  • Account closure initiated within 1 year from account opening:
    • If yes, charges applicable as per Emirates NBD Fees and Charges
  • Additional Requirements:
    • Cancel all Standing Instructions on the account
    • Cancel all Direct Debit Instructions on the account
    • Fixed Deposit linked to the account: Fixed Deposit to be closed prior to account closure
    • Loan linked to the account: Loan amount to be settled

  Please Note:

  • This Document contains all the essential requirements to process your request.
  • For Joint Account Closure, account closure request to be signed and submitted by all account holders.
  • If any of the requirements listed below are incomplete, the processing of your application could be delayed
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Addition of a Joint Account Holder
  • UAE Nationals
    • Identification
      • Original Passport for sighting and verified copy for records or
      • Original National ID for sighting, verified copy of National ID and Passport for records or
      • Original Khulasat Al Qaid and verified copy for records
  • Residents
    • Identification
      • Original Passport and verified Passport copy with valid UAE residence visa for records or
      • Original National ID for sighting, National ID and Passport copy for records
  • GCC Nationals
    • Identification
      • Original Passport/UAE National ID and Passport copy
    • For Current/Checking Accounts any one of the following documents to be obtained:
      • Original Labour card and copy for records
      • Original work permit and copy for records
      • Letter from employer
      • Copy of recent (last 3 months) Telephone/Electricity Bill
      • Valid UAE National ID
      • Valid Tenancy Contract in the name of customer
  • Unlearned
    • 2 Passport size photographs for Identification

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Deletion of a Joint Account Holder
  • Passport/Emirates ID for Identification
  • A request for deletion to be jointly signed by all the existing account holders
  • Cheque Book/s need to be surrendered
  • Debit Card of the Account Holder to be deleted needs to be surrendered

  Please Note:

  • This Document contains all the essential requirements to process your request.
  • If any of the requirements listed below are incomplete, the processing of your application could be delayed.
  • The primary Joint account holder cannot be deleted, only the secondary can be deleted.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Change in Package or Segment
  • Passport/Emirates ID for Identification

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• To Stop the Payment of a Cheque
  • Requests for Stop Payment of cheques can be accepted only when the Cheque/Cheque Book is lost or stolen with the following document:
    • Police report for the lost/stolen cheques

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.
• Updating Employment Details
  • New Salary Transfer letter with EOSB assignment from New Employer (Personal Loan cases)
  • New Valid Visa
  • New Labour Card
  • New Contract Copy
  • Copy of Emirates ID / Proof showing Emirates ID is applied
  • Passport copy (if required)
  • Security Cheque (If applicable)

  Please Note:

  • This Document Checklist contains all the essential documents required to process your request.
  • If any of the required documents listed below are missing, the processing of your application could be delayed.
  • Additional documents may be required at the Bank's sole discretion.
  • Gather your documents in order of the checklist and check each item before visiting the branch.

Interest rates

Note: No interest will be paid on balances in Smart S@ver - EUR

*Terms and Conditions apply. Interest rates are subject to change.

*Maximum number of withdrawals permitted for Smart S@ver accounts (AED, USD and GBP currencies) will be 2 (two) per month

*Transfers to own Smart S@ver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals

*In case the number of monthly withdrawals is more than the above permissible limits, the interest applied for the month will be 0.25% p.a.

Interest rates

*Note: Terms and Conditions apply. Interest rates are subject to change.