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In times of a temporary cash shortfall, Overdraft from Emirates NBD gives you the power to draw against your salary or Fixed Deposit for a much needed instant cash support. Take advantage of this unique Overdraft facility and confidently manage your expenses or honour your financial commitments.
Call 600 54 0000 SMS "OD" to 4454 Send e-mail to: firstname.lastname@example.org Visit your nearest branch.
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.
Yes, 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.
There are 2 types of Overdraft you can choose from:
Yes, if Overdraft limit requested is 2 times of your net monthly salary, Overdraft must be availed in conjunction of Personal Loan.
No, if Overdraft limit requested is 90% of your net monthly salary, you can avail standalone Overdraft 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.
This amount is made available in your account. It can be withdrawn through the regular modes i.e. ATM, cheques, online transfers.
Based on the account performance and salary credits, the limit will be renewed after 12 months.
The best thing about Overdraft is that you are charged interest only for the amount and period of time used. In case you have not used the Overdraft amount granted, you will not be charged of any interest.
For instance, your Overdraft limit is AED 10,000 and have utilized only AED 1,000 for 7days, at the rate of 24% p.a. you will be charged approximately AED 4.6 interest for that month. (AED 1,000 x 24% / 365days * 7 days)
Call 600 54 0000
SMS "OD" to 4454
Send e-mail to: email@example.com Visit your nearest branch
Find out if you are likely to be accepted
In the first meeting your RM will try and understand you as an individual to better appreciate your attributes and aspirations. To suggest an appropriate banking solution to you, your RM may enquire about your hobbies, interests, investment risk profile, financial goals and timelines to achieve these objectives in future.
The list of documents would vary depending on the nature of the product or service you wish to avail. A valid passport copy and Visa (for expatriates) would be required in general.
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