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
  • 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
  • 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 [email protected] - EUR

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

*Maximum number of withdrawals permitted for Smart [email protected] accounts (AED, USD and GBP currencies) will be 2 (two) per month

*Transfers to own Smart [email protected] 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

Terms and conditions apply

• Interest calculation is based on Daily closing balances and is credited to account monthly.
• The maximum number of withdrawals permitted per month for Plus Saver accounts are 1 (one) for Personal banking and 2 (two) for Priority and Private Banking.
• Transfers to own Plus Saver 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 permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.

Interest rates

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