Private Banking Foreign Exchange Solutions

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Free FX services

Enjoy a suite of free services that can help you meet your FX needs

Inward Telegraphic Transfer

Account to Account Transfer

Special Rate Deal Booking

Foreign currency cash via branches

Online FCY Remittances

DirectRemit

Swift Message Copy

FX Advisor Support

Fixed Deposits & Foreign Currency Accounts

Managing your money with ease, whatever the currency

Emirates NBD Private Banking offers you the choice of a convenient foreign currency current account or a higher interest deposit account to help you manage your funds in different currencies, together with a range of privileges to complete the ideal package for you.

Foreign Currency Current Account

An account that is as international as you

Designed to meet your needs across a wide spectrum of currencies, our Foreign Currency Current Account is convenient and easy to manage, with a range of privileges to enhance your experience no matter the currencies you need.

Currencies

Currency Passport Savings Account

The deposit account for different currencies

If you want to hold different currencies but in only one account, this is the right choice for you. It offers attractive interest rates and allows you to easily manage your bills and other payments. Its features also include:

Interest rate of 0.25% p.a. for selected currencies
Available in USD, GBP, AUD, CAD, SGD, HKD, JOD, KWD and LKR
Transfers between Currency Passport Savings Accounts in different currencies
Bill payment facilities across a wide range of services including telephone, electricity, Salik recharge, and traffic fines
Quarterly statements
No cheque book/ATM or Debit card

Currencies

Smart S@ver

The best of both worlds in one savings account

Emirates NBD’s Smart S@ver account gives you high interest rates as well as the online flexibility you prefer. It is available for individuals only in all the major currencies and offers competitive interest rates for higher balances. Its features also include:

Funds payable into the account via Online Banking and cash deposit machines
Account statement available via Online Banking
Interest rates subject to currency
Joint account are not permissible for Smart S@ver account
To encourage regular savings, no ATM card or cheque book is given with this account

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Fixed Deposit

Higher interest available with one click

You can enjoy market-leading interest rates on foreign currencies in a Fixed Deposit Account with Emirates NBD Private Banking through Online Banking, which allows more flexibility than you would expect with a wide range of currencies available. Features include:

Minimum deposit of AED 10,000 (or equivalent)
Competitive interest rates (depending on currency and duration of deposit)
Flexible terms
Overdraft facility
Premature withdrawals allowed

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DirectRemit

Send money home in seconds

We make sending money to your family back home as hassle free and reliable as we can for you. That is why we have developed DirectRemit, ensuring almost instantaneous transfers to six countries, free of charge.

United Kingdom

Features

60 minute transfer to any other bank in the UK
60 second transfer to Lloyds Bank Accounts in GBP
Competitive exchange rates compared to market offerings
Free Free transfers to any bank account in the United Kingdom

Processing times

Same day processing for transfers made between 10:00am - 4:00pm (UAE time)
Next business day processing for transfers made after 4:00pm (UAE time)

Credit time

Credit to all bank accounts in the UK will be processed between 10:00am - 4:00pm, Monday - Friday

Amount to transfer GBP

Equivalent AED

Exchange rate 1 AED = {0} {1}

*Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

Transfer now via Online Banking

India

Features

Free Free transfers to any bank account in India with no additional correspondent bank fees
60 second transfers to HDFC, ICICI & SBI accounts
60 minute transfers to any other bank in India
Competitive exchange rates compared to market offerings
Available 24/7 Round-the-clock service

Processing times

Transfers to HDFC Bank, ICICI Bank & State Bank of India accounts will be processed within 60 seconds
Transfers to other Indian banks will be processed within 60 minutes if received during Reserve Bank of India's NEFT timings.
Transfers received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time)

Amount to transfer INR

Equivalent AED

Exchange rate 1 AED = {0} {1}

*Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

Transfer now via Online Banking

Pakistan

Features

Free Free transfers to any bank account in Pakistan with no remittance fees
60 second transfers to Faysal Bank accounts
60 minute transfer to any other bank in Pakistan
Quick compared to market offerings
Available 24/7 Round-the-clock service

Processing time

Transfers to Faysal Bank account will be processed within 60 seconds
Transfers to all other bank accounts in Pakistan will be processed within 60 minutes
Transfers received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time)

List of banks you can transfer to in Pakistan

IBFT & RTGS member Banks & Account Digit Specifications
Bank Name	Account No. Length
Al Baraka Bank Limited	13 Digit
Allied Bank Limited	13 Digit or 20 digit
Askari Commercial Bank Limited	13 Digit
Apna Microfinance Bank	16 digit
Bank Al Habib Limited	17 Digit
Bank AlFalah Limited	14 Digit or 12 Digit or 18 Digit
Bank of Punjab	17 Digit
Bankislami Pakistan Limited	15 Digit
Burj Bank Limited	16 Digit
Dubai Islamic Bank Pakistan Limted	10-Digit
Faysal Bank Limited	14 digit or 16 digit
Habib Bank Limited	14 Digit
Habib Metropolitan Bank Limited	19 digit
JS Bank	6 Digit
KASB Bank Limited	13 Digit
Meezan Bank Limited	14 Digit
Muslim Commercial Bank	16 digit
National Bank of Pakistan	16 digit
NIB Bank Limited	15 digit
SAMBA BANK LIMITED	10 digit
Silk Bank	14 Digit
Soneri Bank Limited	15 Digit
Standard Chartered Bank	11 Digit
Summit Bank	20 digit
Sindh bank	14 digit
Tameer Bank	15 Digit
United Bank Limited	16 Digit

Amount to transfer PKR

Equivalent AED

Exchange rate 1 AED = {0} {1}

*Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

Transfer now via Online Banking

Philippines

Features

Free Free transfers to any bank account in Philippines with no remittance fees
60 second transfers to Banco De Oro and other participating banks*
1 day transfers to all other bank accounts in the Philippines
Competitive exchange rates compared to market offerings
Available 24/7 Round-the-clock service

Processing time

Transfers to BDO (Banco De Oro) Bank accounts and other bank accounts** (transfer amount up to PHP 50,000), credit will be processed within 60 seconds
Transfers to all other bank accounts in Philippines will be processed within one working day
DirectRemit transfer requests received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time)

**via InstaPay service

*Participating banks for 60 second transfers

Asia United Bank Corporation	Land Bank of the Philippines	RCBC Savings Bank, Inc.
Bank of Commerce	Malayan Bank Savings and Mortgage Bank, Inc.	Rizal Commercial Banking Corporation
Bank of the Philippine Islands	Maybank Philippines, Inc.	Robinsons Bank Corporation
BDO Unibank, Inc.	Metropolitan Bank and Trust Company	Security Bank Corporation
China Bank Savings, Inc.	Philippine Bank of Communications	Union Bank of the Philippines
China Banking Corporation	Philippine Business Bank, Inc., A Savings Bank	United Coconut Planters Bank
CTBC Bank (Philippines) Corporation	Philippine National Bank	Equicom Savings Bank, Inc.
Development Bank of the Philippines	Philippine Savings Bank	Philippine Veterans Bank
East West Banking Corporation	Philippine Trust Company

Amount to transfer PHP

Equivalent AED

Exchange rate 1 AED = {0} {1}

*Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

Transfer Now via Online Banking

Sri Lanka

Features

Free Free transfers to any bank account in Sri Lanka with no remittance fees
60 minute transfers to any other bank in Sri Lanka
60 second transfers to Hatton National Bank accounts
Competitive exchange rates compared to market offerings
Available 24/7 Round-the-clock service

Processing time

Transfers and credit to HNB accounts will be processed within 60 seconds of the request.
Transfers to all other bank accounts in Sri Lanka will be processed within 60 minutes.
DirectRemit transfer requests received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time)

Amount to transfer LKR

Equivalent AED

Exchange rate 1 AED = {0} {1}

*Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

Transfer now via Online Banking

Egypt

Features

Free Free transfers to any bank account in Egypt with no remittance fees
1 day transfers to any other bank account in Egypt using online international transfer option
60 second transfers to Emirates NBD bank accounts in Egypt
Competitive exchange rates compared to market offerings
Available 24/7 Round-the-clock service

Processing time

DirectRemit service to Emirates NBD Egypt accounts is available 24x7.
Transfer to other bank accounts in Egypt can be requested via regular SWIFT - International transfer option and processed within 1 working day, for requests received between Saturday - Thursday up to 2:00 p.m. (UAE time).

Credit time

Credits to Emirates NBD bank accounts in Egypt will be processed within 60 seconds subject to details being in order.
Credit to other bank accounts in Egypt are processed via regular SWIFT International transfer option within 1 working day.

Amount to transfer EGP

Equivalent AED

Exchange rate 1 AED = {0} {1}

*Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

Transfer Now via Online Banking

GlobalCash Card

The Ultimate Travel Card

Travelling is for focusing on exciting new experiences or important business objectives, not for worrying about the availability of the right currency. Emirates NBD’s GlobalCash Card gives you a choice of the top 15 global currencies and easy management tools. Its many other features include:

Pre-paid, so easy to keep track on expenditure and top up via Emirates NBD Branches, Cash Deposit Machines or via linked account on Online Banking
Select some or all of the available currencies
Multiple channels – Online Banking, GlobalCash Mobile App, automated phone response
Access to over 2.1 million ATMs worldwide with MasterCard® acceptance mark
Secured with Chip & PIN technology as well as 3-D Secure for internet transactions
Quick and simple cash reload through Emirates NBD Branches, Cash Deposit Machines, or linked accounts on Online Banking

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Account to Account Transfer

Instant transfers in any currency

You can transfer money instantly, in any currency held by Emirates NBD, to your own accounts or other account holders within Emirates NBD just by using the destination account number. This service also features:

Free transactions
Destination account credited in its currency
Transfer by Phone Banking using 24-hour Call Centre hotline, 800456
Free SMS alerts
Transaction limit of AED 1,000,000 (unlimited, instant and free if done at any Emirates NBD branch), AED 100,000 through Phone Banking
Standing instructions available
Credit card payment option also available

Video demonstration

Telegraphic Transfer

Send money anywhere through your preferred channel

A telegraphic transfer is quick and easy with Emirates NBD, whether at home or abroad, and can be through whichever channel you prefer. For online and mobile activation, benefits include:

Transactions up to AED 1,000,000 daily
Available for both local and international transfers
Email confirmation
Instant beneficiary registration online
Standing instructions available

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Demand Draft

Another easy option for cash transfer

If you require a documentary transfer, you can purchase a demand draft from any of Emirates NBD’s branches or have it delivered by courier. Other features include:

Available for transfers of up to AED 100,000
3 working days delivery
Help line number 800456
Video demonstration of Demand Draft

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Foreign Currency Cash

Collect Cash where and When you need it

You can get foreign exchange at any of our branches or at our location in Dubai International Airport. Just call 04-3160067 between 8.00 AM to 4.00 PM Monday to Saturday (excluding public holidays) to arrange for currency cash of your choice. Benefits include:

Preferential rates for Emirates NBD Customers
Reduced risk of carrying currency
One stop destination for deposit & withdrawal
Currency delivered to most convenient branch within 24 hours
Withdrawal from your AED account at best possible rate

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Western Union

Transfers via one of the world’s best

If you want to send an instant transfer through one of the world’s most trusted agencies, our partnership with Western Union will always get the job done. This service is available through Online Banking and Mobile Banking App. Its features include:

More than 500,000 agent locations in 200 countries and territories worldwide
Pre-registered* beneficiaries required (registration through an Emirates NBD Branch, Online Banking and Mobile Banking App)
Available for individual customers only
Transaction limit of AED 25,000 (or equivalent) per transaction

As per Western Union guidelines, please be advised that starting from 6^th August, 2020 recipients in Lebanon are subject to pay an additional 2% cash handling fee (on the sent principal amount). This will be collected by agents in Lebanon and will be deducted from the principal amount at payout, for transactions paid in USD

FX Forwards and Options

Manage your wealth using foreign exchange

As a more sophisticated investor you may wish to use Forward Contracts or Currency Options on foreign exchange to benefit from currency movements.

Forward Contracts are an agreement between you and the Bank to buy or sell a specified amount of foreign currency at a rate agreed today for delivery on a specified date in the future. The benefits of this are:

Fixed exchange rate at which you may buy or sell a certain amount of currency
Plan for future currency needs
Hedge against adverse foreign exchange movements
Wide list of currencies available
Certainty of cash flow

FX Forwards and Options Features

Locking in your best rates

Currency Options provide the right to certain protection at a specified foreign exchange rate on a specific forward date, but with the flexibility of choosing to opt for a spot deal. It works exactly like an insurance policy, in that you pay a premium for the protection you want on an FX rate. Its features include

Available in any currency pair where there is a forward market

No obligation to deal at your protected rate – you can withdraw from the deal at maturity or transact in the spot market if the rate moves in your favor

Full protection against adverse currency movements

Currencies

Foreign Exchange for Foreign Currency Current Account are available in the following currencies:

CURRENCY (Available for Foreign Currency Current Account)
Flag	Currency name	Currency code
	Australian Dollar	AUD
	Bahraini Dinar	BHD
	Canadian Dollar	CAD
	Danish Krone	DKK
	European Union Euro	EUR
	Hong Kong Dollar	HKD
	Jordanian Dinar	JOD
	Japan Yen	JPY
	Kuwaiti Dinar	KWD
	Norwegian Krone	NOK
	New Zealand Dollar	NZD
	UK Sterling Pound	GBP
	Qatari Rial	QAR
	Omani Rial	OMR
	Saudi Riyal	SAR
	Singapore Dollar	SGD
	Swiss Franc	CHF
	United States Dollar	USD

Currencies

Foreign Exchange for Currency Passport Savings Account are available in the following currencies:

CURRENCY (Available for Foreign Currency Current Account)
Flag	Currency name	Currency code
	Australian Dollar	AUD
	Canadian Dollar	CAD
	European Union Euro	EUR
	Hong Kong Dollar	HKD
	Jordanian Dinar	JOD
	Japan Yen	JPY
	Kuwaiti Dinar	KWD
	UK Sterling Pound	GBP
	Singapore Dollar	SGD
	Swiss Franc	CHF
	United States Dollar	USD

Additional guidelines & terms related to remittances

Please find below the applicable terms and related customer notifications for processing of various FX transactions across Emirates NBD services and channels:

FX rates are indicative

Warning: This product/service may be affected by changes in foreign currency exchange rates.

Exchange rate displayed on transfer pages are indicative. Prevailing rates will be applied at the time of processing.
Processing time

Warning: The actual time to complete a transaction may differ from estimates due to increased scrutiny of transactions by the correspondent bank/financial institution or entity providing financial services to the beneficiary of remittances.
Penalties & Fees

Warning: Penalties and Fees may be applied if there is a customer error or omission in providing correct or incomplete information for remittances.

Ensure accuracy of details provided prior to submitting the transfer request. In case if customer provides incorrect or incomplete details transactions will be rejected & refunded at prevailing exchange rates and loss if any will have to be borne by the remitter.
Additional fees by correspondent bank

Warning: Additional fees may be levied by the correspondent bank/financial institution or entity providing financial services to the beneficiary of remittances.

The beneficiary payout amount may be subject to additional costs. Correspondent bank charges may be applicable subject to currency, destination country/bank and amount basis selection of charge code.

Correspondent Bank charges for International Transfers

Cooling-off waiver

Customer agrees to waive cooling-off period for the FX transaction as it requires immediate processing.
Cancellation Process
Ensure accuracy of details provided prior to submitting the transfer request. To cancel or recall any transfer sent, contact the Emirates NBD call center/branch for submitting the request within 24 hours. The processing of such request is subject to refund/reversal confirmation from beneficiary or correspondent bank. Exchange loss amount, if any, shall be levied in such cases.

Please refer to respective service pages for applicable processing time, cancellation process and other related FAQs:

Branches

BRANCHES (All branches process FX transactions, the following have Express FX counters)
Branch	Location area
Al Twar Branch	Al Twar
Al Barsha Branch	Near Intersection of Al Mafraq Rd, 23rd St, Dubai - UAE
Al Qusais Branch	Damascus St, Near Dubai Grand Hotel, Al Qusais, Dubai - UAE
Al Maktoum	Between Al Maktoum Street and Baniyas Rd, Deira 4th St, Dubai - UAE
Al Souk	3A Str, Near Central Bank, Dubai Suq Al Suq St, Dubai - UAE
Burj Al Arab Branch	17 A St, Near Jumeirah Beach, Dubai - UAE
Convention Centre Branch	11th St, Near 2nd Za'abeel Road, International Convention Centre, DWTC, Dubai - UAE
Deira Branch	Deira
Deira City Centre Branch	Baniyas Rd, Ground Floor, Deira City Centre, Dubai - UAE
Dubai Marina Mall Branch	Sheikh Zayed Rd, Near Dubai Marina Mall, Dubai - UAE
Dubai Mall Branch LG001	Emaar Blvd, Dubai - UAE
Dubai Marina Branch	Dubai Marina - Jumeirah Beach Residence, Al Fattan Marine Tower II
Dubai Festival City	Al Rebat St, Near Hyper Panda, Dubai - UAE
Dubai Media City	Al Sufouh Rd, Near Dubai Media City Building 14, Dubai - UAE
Emirates Headquarters Branch	Emirates Headquarters
Emirates Towers Branch	Shop No. 35, Sheikh Zayed Rd, Near Jumeirah Emirates Towers, Dubai - UAE
Galleria Branch	27th Street, Between Corniche Rd and Al Khaleej Rd, Dubai - UAE
Ibn Batutta Mall Branch	Ibn Batutta Mall
Internet City Branch	Internet City
Jebel Ali Free Zone Branch	D 59 Rd, Near Etisalat Office, Dubai - UAE
Jebel Ali Branch	Jebel Ali Free Zone, Next to CBD and HSBC
Jumeirah Beach Walk Branch	Unit No GM-09, The Walk Shopping Centre, Jumeirah Beach Residence, Al Sufouh Road, Dubai
Jumeirah Beach Road Branch	Unit No GM-09, The Walk Shopping Centre, Jumeirah Beach Residence, Al Sufouh Road, Dubai
Jumeirah Branch	Al Wasl Rd Intersection with Al Safa St, Dubai - UAE
Nadd Al Shiba Branch	Nadd Al Shiba
Sheikh Zayed Road Branch	Sheikh Zayed Rd, Near White Crown Tower, Dubai - UAE
Umm Suqueim	Near Umm Al Quwain Hospital, Umm Al Quwain - UAE

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