Emirates NBD Skywards Savings Account and Visa Debit Card

It's easy to start an Emirates NBD Account. Simply visit any of our branches or visit our website and get our representative to contact you. Your Account will be opened within two working days.

Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch

You can easily update your mobile number through our Mobile App or any of our ATMs.

How to update your mobile number through the Mobile App:

Login > select Security Centre > select Mobile Number Update

You will be asked to authenticate this request with your Smart Pass Pin.

How to update your mobile number through an ATM:

Go to Main Menu > Select Requests > Select Mobile Number Update

You can easily update your Email Address through our Mobile App or any of our ATMs.

How to update your Email Address through the Mobile App:

Login > select Security Centre > select Email Address Update

You will be asked to authenticate this request with your Smart Pass Pin.

How to update your Email Address through an ATM:

Go to Main Menu > Select Requests > Select Email Address Update

You can change the name on your account by visiting the nearest Emirates NBD branch with the following documents:

• Original Passport
• Emirates ID

Kindly note if it is a company account, please get the attested or original Trade License

Your signature for the account can be updated by visiting a branch

The account will be setup as a Minor account for any person below the age of 18 as per the Gregorian calendar. The guardian needs to visit a branch with all the documents of the guardian and child, required for account opening. The Minor need not visit the branch. Only a Savings account can be opened for Minors. A debit card can be issued in the name of the guardian. Cheque books are not issued for Minor accounts.

To add a Power of Attorney holder, please visit a branch with a Dubai Courts notarized POA

Account balances and statements can be viewed through online banking and Mobile banking. Mini statements can be obtained through ATMs and IVR. If you have registered your email address with the bank, the e-statement will be sent to your mailbox periodically depending on your statement generation cycle. Statements can also be requested for at a branch or through a call center agent for which there will be a nominal fee levied.

Statements can be downloaded free through online banking and also through IVR. You can also request for duplicate statements at a branch or through a call center agent for which there will be a nominal fee levied.

Average monthly balance calculation is a function of balance maintained in the account calculated over period of days the balance is maintained. Average balance is calculated at customer level; hence the balance in Current, Savings and Fixed Deposit accounts will be considered to compute the average balance. E.g. If you maintain AED 5,000 in your account from the first day of the month till the last day of the month, then average balance will be AED 5,000 for that calendar month. If you maintain zero balance for first 15 days and maintain AED 10,000 for the next fifteen days, the average balance will also be AED 5,000 for that calendar month.

Current account holders are eligible for a cheque book. First cheque book on account opening is free; on subsequent requests for cheque books, charges are levied as per schedule of charges.

Cheque book can be requested through online banking, mobile banking, ATMs and branches.

For account closure, you need to visit a branch to submit the request for closing the account.

Direct debits and standing instructions will be cancelled on closure of the account. In case of an active loan with direct debit setup, the account cannot be closed till an alternate payment mode is arranged or the loan is settled.

On account closure, Credit Card can continue to be active. For Loans and Overdraft, alternate payment mode has to be arranged, for which has to be discussed and agreed with the bank's representative and the decision taken will solely be based on bank's discretion

On account closure, unused cheques and Debit Card have to returned to the bank as a best practice. In case of inability to submit, the remaining cheques and the Debit Card will be de-activated as part of closure process.

On account closure, online banking account status will be shown as closed. Alternatively, you can request the bank for a closure confirmation.

You can transfer the credit balance to another bank account. Alternatively, you can request the bank to send a manager's cheque to your registered mailing address after netting off all dues to the bank.

Yes, you will have to submit the requisite form(s), duly completed to apply for a No Liability Letter. On a case to case basis, other documents might be requested through the branch.

You can submit the application for Liability / No Liability Letter at your nearest Branch, Call Center OR through Online banking. On successful completion of your application, you will be provided with a reference number to track your request.

Clearance Letter states that a specific liability has been cleared while a No Liability Letter states the customer has no existing liabilities.

Yes, a fee of AED 50, as outlined in the Schedule of Fees and Charges on Bank's official website is applicable.

Liability / No Liability Letter will be issued within the bank's defined service standard of 7 (seven) business days.

As soon as the letter is ready, you will receive an intimation message on your registered mobile number.

The letter can be collected from the nearest branch based on your convenience, except mall branches. Click here for branch locations.

Liability / No Liability Letter is valid for 15 days from the date of issuance

Individuals, ages 18 and above, can convert their minor account to a standard individual account by visiting the nearest Emirates NBD branch along with their passport or Emirates ID for identification.

The new Emirates NBD Skywards savings account and Visa debit card is one-of-a-kind program and a market first and offers the highest Skywards miles earning in UAE. The product also comes packed with travel and lifestyle benefits to best suit the frequent traveler's lifestyle.

You can contact your relationship manager to open a Skywards Savings Account and Visa Debit Card. Alternatively, you can call our 24/7 call center 600 54000 or visit any of our branches.

The minimum average monthly balance required is AED 500,000.

Yes, as long as you meet the minimum AED 500,000 account opening balance criteria in the Skywards Saving Account, the benefits will be available. You can transfer from existing account to Skywards Savings Account or bring in additional AED 500,000.

No, the Skywards Visa debit card can be linked only to your Skywards savings account.

Joining fee of AED 2,500 in for the first year and monthly fee of AED 200 from 2nd year of account opening onwards.

Yes, you are required to provide your Skywards number.

Initially 25,000 miles will be credited to your Skywards Savings Account, 45 days after the joining fee of AED 2,500 is paid. Another 25,000 miles will be credited 45 days after the average balance in the account is more than AED 750,000 on the 3rd month of account opening.

No, you can only open a Skywards account in UAE dirham.

All miles earned by primary and supplementary will go to the Skywards savings account of the primary debit cardholder.