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Emirates NBD Bank Accounts

In the year 2007, the ‘Emirates Bank International’ and ‘The National bank of Dubai’, the leading banks in the UAE, combined to form Emirates NBD (the banking champion). With over 200 bank branches and more than 900 ATMs & Cash Deposit Machines across the UAE & overseas, Emirates NBD is globally recognized as the most valued financial service provider throughout the Middle East.

The bank offers a range of financial services and products. Amongst all, the bank account is one of the best products of the Emirates NBD. From Current Account & Savings Account to Fixed Deposit & Business Accounts, the bank offers various types of bank accounts to meet their banking needs. Also, customers can avail a wide range of benefits and privileges with the Emirates NBD Bank Account.

Features & Benefits of Emirates NBD Bank Account

Following are the main features & benefits of the bank accounts offered by the Emirates NBD:

  • Multiple Currencies: The account holder can get these Emirates NBD bank accounts in major currencies other than AED.
  • Bill Payment: The account holder can enjoy the bill payment facilities across an array of services – electricity, Salik recharge, telephone, road fines, & others.
  • Banking Privileges: The bank provides its account holder easy access to their bank account through Online banking, Phone Banking, and ATMs.
  • Debit Card: The account holder can avail complimentary international debit card with many of the Emirates NBD bank accounts.
  • Cheque Book Facility: Some of the Emirates NBD bank accounts offer the facility of a complimentary cheque book (but only the first one).

Emirates NBD Bank Account Types

Listed below are the bank accounts offered by the Emirates NBD:

Emirates NBD Current Account

Emirates NBD offers various types of current accounts in the UAE that cater to an account holder a wide range of benefits and features. Here are the types of the current accounts offered by the bank:

  • Standard Current Account: A Standard Current Account offered by the Emirates NBD is a non-interest bearing account that provides its account holder a variety of features & easy access for utmost flexibility. With this Emirates NBD Bank Account, the account holder can avail premium services and exciting privileges. Along with this, this bank account can also be opened in multiple foreign currencies.
  • Special Current Account: A Salaried Current Account is ideal for salaried individuals only. This Emirates NBD Bank Account is offered specifically to employees of Emirates NBD payroll relationships. This bank account enables its account holder to earn interest and lets them enjoy unrestricted access to their funds as well as a wide range of premium services. This bank account can also be opened in multiple currencies such as AED & USD.

Call Deposit Account

An account holder can invest their funds into a bank account with no limitation on transactions with the Call Deposit Account. Not only they can avail easy access to their funds for deposits or withdrawals but also they will be able to earn a high rate of interest on their deposits.

Emirates NBD Savings Account

Emirates NBD offers a range of innovating savings accounts that will meet its account holder various personal banking needs and help them to make the most of their money. Following are the savings accounts offered by the bank:

Standard Savings Account

The Emirates NBD Standard Savings Account is the one on which an account holder can easily count on. Not only this Emirates NBD Bank Account caters various unique banking services to its customers but also they can avail access to their bank account 24 hours a day & 7 days a week. Also, the account holder can avail an attractive rate of interest of 0.25 percent on their balances.  

Smart S@ver Account

The account holder can avail a high rate of interest & enjoy the flexibility to operate this Emirates NBD Account online at their fingertips. The Emirates NBD Smart Saver Account can be opened in various major currencies such as GBP & USD at competitive interest rate depending on the account balance.

Shake n’ Save Account

This Emirates NBD Bank Account enables its account holder to save a small amount of money instantly anytime and from anywhere, with the competitive rate of interest of a maximum of 2 percent. All they need to do is configure the ‘Shake n’ Save Account’ from the bank’s mobile banking app.

Currency Passport Savings Account

This Emirates NBD Account is ideal for those customers who want to keep their balances in multiple currencies, but maintain only one bank account, offering an attractive rate of interest. As a bonus, this account offers its account holder a great comfort of easily managing their bill payments via a range of services that the bank offers.

Manchester United Savings Account

This new Emirates NBD Bank Account provides access to priceless experiences and a lot of benefits that take the depositor closer to their team like never before.  Better yet, rate of interest on the ‘Manchester United Savings Account’ shoot up every time their team scores a goal.

Tiered Savings Account

The Tiered Savings Account offers a high rate of interest and also this Emirates NBD account comes with the convenience of a complimentary international ATM/debit card. The greater the account balance maintained in this bank account, the more attractive the rate of interest will be.  In short, the interest rate will solely depend on the balances maintained in the bank account.

Fitness Account

This is the first Savings Account that is linked to the account holder’s fitness activity and rewards them with a high rate of interest with every step they take. The more steps they make, the higher the rate of interest will be. Plus, the account holder can avail a wide range of exclusive offers across sportswear, gyms, nutrition, and health.

Family Savings Account

Designed for UAE Nationals, the ‘Emirates NBD Family Savings Account’ enables its account holder to provide each member of the immediate family (father, mother, husband & wife, daughter & son) their own savings account with a complimentary debit card. All of the account holders under one family can also avail the benefit of the high rate of interest on their individual account balance depending on pooling of funds from all bank accounts under the family.

Emirates NBD Fixed Deposit Account

Emirates NBD offers various types of fixed deposit accounts that enable its account holder to get attractive returns with fixed deposits. Following are the types of fixed deposit accounts offered by the bank:

Flexi Deposit

With the Flexi Deposit, the account holder can get easy access to their funds in times of financial emergency. As this Emirates NBD account provides its account holder the freedom of making partial withdrawals from their fixed deposits while keeping the rest of their fixed deposits safely intact.

Fixed Deposit

This Emirates NBD fixed deposit account offers attractive returns and various other banking services that can meet its depositor needs. The minimum deposit amount in this bank account is AED 10000. Also, the depositors can choose the flexible tenure option from 7 days to 5 years.

FlexiSweep Deposit

This fixed deposit account provides the optimum flexibility & peace of mind when the account holder needs to move their funds around in times of financial emergencies. With this Emirates NBD account, funds will get automatically move from the fixed deposit account current or savings account in order to meet a shortfall.

RegulaReturns Deposit

With this exclusive fixed deposit account, the depositor can enjoy the freedom to choose between monthly, quarterly, and half yearly interest payout. Available in multiple currencies, this bank account offers various other banking services that can meet its account holder’s needs.

Steady Saver Deposit

This is a simple deposit account that gives its account holder a chance to earn a high rate of interest month on month. The interest rate will grow a maximum of 3 percent.

Emirates NBD Business Accounts

Emirates NBD offers three business accounts for meeting its customer everyday business banking needs. From basic checking account to interest-earning bank accounts and flexible deposit, the bank has all the options when it comes to bank accounts. Following are the Emirates NBD Business Accounts:

Current Account

The Business Current Account is ideal for meeting day-to-day financial needs. This Emirates NBD bank account offers a range of facilities to its account holder including a cheque book, standing order & overdraft facility, and also bill payment facility.

Fixed Deposit Account

This Emirates NBD Business Fixed Deposit Account helps its account holder to grow their balance while maintaining the flexibility they need. The rate of interest is based on the currency and duration of the deposit. 

Call Deposit Account

The Call Deposit Account is a flexible & convenient option that can be opened in multiple currencies. The account holder can get easy access to their deposits by giving just 24 hours notice.

Emirates NBD Islamic Accounts

Emirates NBD also offers various types of Islamic bank accounts with maximum benefits. Listed below are some of the main Emirates NBD Islamic bank accounts:

Islamic Current Account

Emirates NBD offers Shariah Compliant Islamic Current Account that provides an account holder easy access for utmost flexibility & convenience. This Emirates NBD account is available is both AED & USD currencies. Available to individuals and non-individuals, this bank account offers a range of benefits including international ATM/debit card, cheque book facility, and access to the account via Online Banking, Phone Banking, and ATMs. 

Mudaraba Savings Account

Mudaraba is basically a profit-sharing partnership contract between a capital provider (i.e. RAB-UL-MAL) & a Mudareb (i.e. Fund Manager) in a joint investment. This transaction can be a project, a transaction, or a fund to create healthy profits.

Mudaraba Call Account

This is a Shariah Compliant Call Account with participation in the common Mudaraba Pool. This Emirates NBD account offers competitive profit rates and the profit is paid out on a quarterly basis.

Mudaraba General Investment

A profit-sharing partnership contract in a joint investment. The minimum deposit amount in this bank account is AED 10000 and it is available in two major currencies i.e. AED & USD.

Wakala Deposit

Wakala is ideally a Shariah Compliant contract in which a person as a customer can authorize the Wakil (i.e. The Bank) to invest funds in Shariah approved activities for profits. Available in AED as well as USD, this account is available to individuals & non-individuals.

Eligibility Criteria to Open an Emirates NBD Bank Account in the UAE

The applicant needs to meet the following eligibility criteria to complete the Emirates NBD account opening process:

Category Bank Accounts Eligibility Criteria
  Emirates NBD Current Account  
  • Standard Current Account

Minimum Monthly Average Balance Required:

  • AED 3,000

Availability:

  • UAE Resident Individuals including Joint Account Holders.
  • Partnership Companies/Sole Proprietorship/Limited Liability Companies/Joint Stock Companies.
  • Special Current Account

 

Availability:

  • For salaried Individuals.
  • Call Deposit Account

Availability:

  • Non-Individuals customers.
Emirates NBD Savings Account
  • Standard Savings Account

Minimum Monthly Average Balance Required:

  • AED 3,000

Availability

  • UAE Resident Individuals including Joint Account Holders.
  • Non-residents Individuals including Joint Account Holders.
  • Minors
  • Smart S@ver Account

Minimum Monthly Average Balance Required:

  • AED 3,000

Availability:

  • Individuals, UAE Residents
    & non-Residents
 
  • Shake n’ Save Account

Initial Deposit Required:

  • NIL
  • Currency Passport Savings Account

N/A

  • Manchester United Savings Account

N/A

  • Tiered Savings Account

N/A

  • Fitness Account

N/A

  • Family Savings Account

Minimum Monthly Average Balance Required:

  • NIL

Availability:

  • UAE Nationals
Emirates NBD Fixed Deposit Account
  • Flexi Deposit

Minimum Deposit Amount Required: AED 10,000

  • Fixed Deposit

Minimum Deposit Amount Required:

  • AED 10,000

Availability:

  • UAE Residents
    & non-Residents

Other Requirement:

  • Emirates NBD Current or Savings Account is mandatory.
  • FlexiSweep Deposit

Minimum Deposit Amount Required:

  • AED 1

Availability

  • UAE Residents
    & non-Residents
  • Single or Joint Account Holders
  • Partnership Companies/Sole Proprietorship/Limited Liability Companies/Joint Stock Companies
  • RegulaReturns Deposit
 

Minimum Deposit Amount Required:

  • AED 10,000
  • Steady Saver Deposit
 

Minimum Deposit Amount Required:

  • AED 10,000
Emirates NBD Business Accounts
  • Current Account

N/A

  • Fixed Deposit Account

Minimum Deposit Amount Required:

  • AED 10,000
  • Call Deposit Account

N/A

Emirates NBD Islamic bank Accounts
  • Islamic Current Account

Minimum Relationship Balance Required:

  • AED 3000

Availability:

  • Individuals & non-individuals.
  • Mudaraba Savings Account

Minimum Monthly Average Balance Required:

  • AED 3000

Availability:

  • Individuals only.
  • Mudaraba Call Account

Minimum Investment Required:

  • AED 100,000

Availability:

  • Non-individuals only.
  • Wakala Deposit

Minimum Deposit Amount Required:

  • AED 4 Million or USD 1 Million

Availability:

  • Individuals & non-individuals.
  • Mudaraba General Investment

Minimum Deposit Amount Required:

  • AED 10,000

Availability:

  • Individuals & non-individuals.

Documents Required to Open an Emirates NBD Bank Account in the UAE

In order to complete the Emirates NBD account opening process, the applicant needs to submit a few documents. Listed below are the required documents for opening Emirates NBD bank accounts:

Category Documents Required
UAE Nationals

Identification:

  • Emirates Id (original)
  • Verified Copy of Emirates ID & Passport(s).

For Salary Transfer Account:

  • Copy of Labor Card
  • Copy of Employee ID
  • Latest Salary letter
  • Copy of Employment Visa Page from the Passport.
Residents

Identification:

  • Emirates Id (original)
  • Verified Copy of Emirates ID & Passport(s).

For Salary Transfer Account:

  • Valid Salary Transfer Letter
  • Copy of Appointment letter or Contact Copy.
  • Pay Slip Copy (less than 3 months old).
  • Consolidated Letter from HR for bulk bank accounts.
  • Recent Bank Account Statement where customer’s salary is being transferred.
Non-Residents

Identification:

  • Passport (original for sighting & photocopy for records)
  • Copy of a Valid Visit Visa

Anyone amongst the following:

  • Utility Bill (3 months old)
  • 3 months old bank statements
  • Reference Letter from bankers in home country confirming the length and nature of the relationship (minimum 12 months) & the residential address of the applicant as per the bank’s records.
GCC Nationals

Identification:

  • Original  Passport/UAE National ID
  • Copy of Passport

For Current or Checking Accounts:

  • Labour Card (original) & Copy for records.
  • Work permit (original) & Copy for records.
  • Letter From Employer
  • A Valid UAE National ID
  • Copy of Last 3 months Electricity /Telephone Bill.
  • Valid Tenancy Contract in the Customer’s Name.
Bedouins

Identification:

  • Letter from Ministry of Interior stating the applicant is Bedouin.
  • Labour Card (if employed)
  • Another other Government Photo ID (if not employed).
Illiterates

Identification:

  • 2 Passport Size Photos.
Non-Individuals

Identification:

  • Copies of Passport & EIDA of all directors/signatories/owners.
  • MOA (Memorandum of Association)
  • Board Resolution
  • Trade License

Note: The applicant may need to submit some additional documents as per the sole discretion of the bank.

How to Open a bank account in Emirates NBD?

Opening an Emirates NBD Account is a quite easy process. Simply visit any of the bank’s nearest branch or visit the official website to open a bank account with the Emirates NBD. Else, the applicant can call on the official customer care number of the bank to open Emirates NBD Bank Account.

Emirates NBD - FAQs

Q.1.  How to open an account in Emirates NBD?

Ans: In order to open a bank account with Emirates NBD, you can simply visit any of the nearby bank branches or visit the bank’s website.

Q.2. What are the channels through which I can get 24x7 hours access to bank accounts?

Ans: You can get round the clock access to your Emirates NBD account through ATMs, dedicated phone banking and mobile banking service.

Q.3. How can I update my registered address on the Emirates NBD bank account(s)?

Ans: You can update your registered address by visiting the nearest bank branch, contacting your bank relationship manager, or by logging on to Online Banking.

Q.4. Am I eligible to get a cheque book?

Ans: Emirates NBD current account holders are eligible to get a cheque book. They can avail a first cheque book free of cost.

Q.5. How do I close Emirates NBD Account?

Ans: For the account closure, you are required to visit the nearest bank branch to submit the request for the closing your Emirates NBD bank account.

Q.6. How will I get my account e-statement?

Ans: your account e-statement will be sent in the PDF format to your email address that has been registered in the bank’s records.

Q.7.  In which currencies can I open an Emirates NBD bank account?

Ans: You can open most of the Emirates NBD bank accounts in multiple local and international currencies such as UAE Dirham AED, GBP, & USD, etc.

Q.8. How long will it take to open an Emirates NBD account?

Ans: Your Emirates NBD bank account will be opened within only two business days.