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Savings Accounts
A myriad of choices tailored to you
Saving is everyone's ultimate financial goal and our Priority Banking Savings Accounts provide many ways to grow your balance over time. With options ranging from a basic interest earner and a family-focused account to conventional and Shari'a-compliant accounts geared to help you meet your future goals, we have a savings account that is tailored just for you.
Standard Savings Account
Easy access to your savings with benefits
Our Standard Savings Account does the simple things very well for you. Available in UAE Dirhams only, it pays a competitive interest rate and gives you access to your savings whenever and wherever you need them. Its features also include:
- 0.25% annual interest on balances
- Free international ATM/debit card
- 24-hour access by ATMs, phone (landline or mobile), and online
- Payment facilities for telephone, electricity, Salik recharge, road fines and other bills
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
- Identification
- 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
- Identification
- 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
- Passport (Original for sighting and photocopy for records), copy of valid visit visa and one of the following documents to be obtained:
- 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
- Identification
- Bedouins
- Identification
- Letter from Ministry of Interior stating that customer is Bedouin
- If employed: Labour Card
- If not employed: Any other government photo ID
- Identification
- 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
- Identification
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.
- UAE Nationals
- 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.
- Items to be surrendered
- 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
- Identification
- 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
- Identification
- 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
- Identification
- 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.
- UAE Nationals
- 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.
- Requests for Stop Payment of cheques can be accepted only when the Cheque/Cheque Book is lost or stolen with the following document:
- 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.
Manchester United Savings Account
You win with every goal
Celebrate your favourite team with the new Manchester United Savings Account available in UAE Dirhams only. Its unique ability to pay a higher interest rate every time your team scores a goal, plus a range of other benefits and rewards, make this a perfect match. Other features include:
- Free international Manchester United debit card
- 24-hour easy access through ATMs, over the phone and online, and via branches and ATMs
- Monthly statement
- Bill payment facilities for telephones, electricity, Salik recharge, road fines and more
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
- Identification
- 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
- Identification
- 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
- Passport (Original for sighting and photocopy for records), copy of valid visit visa and one of the following documents to be obtained:
- 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
- Identification
- Bedouins
- Identification
- Letter from Ministry of Interior stating that customer is Bedouin
- If employed: Labour Card
- If not employed: Any other government photo ID
- Identification
- 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
- Identification
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.
- UAE Nationals
- 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.
- Items to be surrendered
- 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
- Identification
- 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
- Identification
- 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
- Identification
- 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.
- UAE Nationals
- 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.
- Requests for Stop Payment of cheques can be accepted only when the Cheque/Cheque Book is lost or stolen with the following document:
- 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.
Smart S@ver Account
An online solution with higher rates and currency options
The Emirates NBD Priority Banking Smart S@ver Account is designed for people who like to manage their account online. It offers a range of currency options, higher interest rates and easy to use management tools. Its features also include:
Interest rates calculated on daily balances, paid monthly
Telegraphic transfers also available, with cash pay in facility & CDM
No joint account permissible for Smart S@ver product
Available for AED, USD and GBP
Online transfers made simple
Online statement
No cheque book
No ATM or debit card
Interest rates
For AED
| Amount in AED | Interest rates (p.a.) |
|---|---|
| Less than AED 25,000 | 0.00% |
| AED 25,000 to less than AED 100,000 | 1.50% |
| AED 100,000 to less than AED 2 Million | 1.25% |
| AED 2 Million to less than AED 5 Million | 1.00% |
| AED 5 Million and above | 0.75% |
For USD & GBP
| Amount (USD & GBP) | Interest rates (p.a.) |
|---|---|
| Less than 5,000 | 0.00% |
| 5,000 to less than 25,000 | 1.25% |
| 25,000 to less than 1 Million | 0.75% |
| 1 Million and above | 0.50% |
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.
Tiered Savings Account
The more for more savings account
Like so many things in life, the more you put in the more you get out. Our Tiered Savings Account rewards you by offering a higher interest rate as your savings balance grows, as well as other benefits, which include:
- Available in AED and USD
- Free international ATM/debit card (only for AED accounts)
- Monthly statement
- No cheque book
Currency Passport Savings Account
Savings in a range of currencies, with extra services
If you want to hold balances in different currencies, but with only one account, this is the one for you. It offers attractive interest rates and allows you to pay your bills easily.
- Available in USD, GBP, AUD, CAD, CHF, EURO, JPY, SGD, HKD, JOD, KWD, LKR
- 0.25% interest for select currencies
- Transfers between Currency Passport Savings Accounts in different currencies permitted.
- Bill payment facilities for a wide range of services, including telephone, electricity, Salik recharge, and road fines
- Quarterly statement
Skywards Savings Account
Savings that will take you places
The Skywards Savings Account allows you to save as well as gain Skywards miles. It includes a debit card and offers exclusive rewards and benefits whether you save or spend while on your travels.
Earn up to 5 Skywards Miles per US$1 spent on the debit card
Up to 0.25% interest on your savings account balance
Complimentary access to over 900 lounges worldwide via LoungeKey
Emirates Skywards Silver membership
Up to 50,000 bonus Skywards Miles
Mudaraba Savings Account
A profitable partnership to grow your savings
Mudaraba is a profit-sharing partnership contract in a joint investment that supports growth in your savings. It is a smart solution for individuals wishing to have their savings managed under a Shari'a-compliant structure. Other features include:
- Available in AED and USD
- Competitive profit rates
- Minimum balance of AED 3,000
- Profits paid quarterly
- Minimum tenure of 30 days to receive profit
- For individuals only
Fitness Account
Let your fitness bring you financial rewards
This is the UAE's first savings account that you can link to your fitness activity and that offers you higher interest rates as you reach new goals. You can track your progress on our Fitness App. Interest is calculated every day based on the number of steps you've taken.
- Link top wearable devices to the Fitness App including Fitbit and Garmin, or your phone.
- Interest of up to 2% on your balance in the Fitness Account
- Exclusive offers on your favourite sportswear, health, and nutrition brands (link to page of brands)
- Monthly e-statement
- Complimentary life insurance cover of AED 50,000 for loss of life, underwritten by Metlife, on averaging 5,000 steps per day (full terms and conditions here)
- If you're not an Emirates NBD customer yet, you can try out the app for 30 days
Family Savings Account for UAE Nationals
One savings account for every member of your family
Imagine your family each having their own AED Savings Account with a free debit card, all held separately within one account. The Family Savings Account, exclusively for UAE nationals, offers just that, with higher interest rates based on the total of individual balances held. This unique account can be used by up to 10 immediate family members, and it also includes:
Complete privacy for each account holder
Available in AED only
Monthly statement
Free international debit card with offers on dining, shopping and travel
Bill payment facilities for telephones, electricity, Salik recharge, road fines and more
24-hour easy access through ATMs, over the phone and online, and via branches
Interest of up to 0.75% p.a. paid to each account holder on pooled balances maintained in family savings accounts based on their balances in the pool
Interest rates
| Pooled balance slab in AED | Interest rates (p.a.) | Interest calculation based on | Interest Pay-out (credit to account) |
|---|---|---|---|
| Less than AED 350,000 | 0.25% | Daily closing balance, based on pooled balance | Monthly |
| 350,000 to less than 1 Million | 0.50% | ||
| 1 Million and above | 0.75% |
*Note: Terms and Conditions apply. Interest rates are subject to change.
Talk to Us
To open your Priority Banking Savings Account within 2 working days, please contact us on 800 100 and we’ll be happy to assist you.
Contact Us
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