Emirates NBD is one of the largest banks of the Middle East, known for its trust and strong customer service. It provides banking solutions for individual and business needs, such as savings accounts, current accounts, credit cards, loans and corporate finance options. These services are available to the residents of the UAE as well as non-residents, making the bank a reliable option for many people.

With the presence in the UAE for about two decades, Emirates NBD has converted itself into a modern financial institution focused on development, innovation and technology. Its advanced online and mobile banking platforms give customers flexibility to manage their money safely from anywhere in the world.

The bank has expanded its access to various countries in UAE, Egypt, India, Turkey, Saudi Arabia, Singapore, UK, Austria, Germany, Russia and Bahrain with 826 branches and over 4,500 ATMs. Today, it serves over 9 million customers and ranks among the region’s leading banks by size and value. Why you shouldn’t delay opening an Emirates NBD account

Types of Emirates NBD Accounts in the UAE

Choosing the right account helps you save money and avoid stress. Emirates NBD has different accounts for different needs – whether you are new to the UAE, earning a salary, or running a business. Each account has its own uses. Below is a short guide to help you choose the right one. If you are planning to open your Emirates NBD account, this will make it easier.

Personal Account Options

Current Account

• Good for everyday use.

• Comes with a debit card and a cheque book.

• Helps you manage your money better.

• Best for those with a regular income.

Savings Account

• Best for saving money.

• You earn interest on your savings.

• Add money easily with online banking.

• Works well for long-term goals.

Salary Account

• Best for those working in the UAE.

• No monthly fees.

• Free transfers for your salary.

• Easy access via ATM and online banking.

Zero Balance Account

• Good for students and new residents.

• No need to maintain a balance.

• Full access to digital banking.

• No fees if you follow the rules.

Business Account Options

Business Account

• For freelancers and company owners.

• Handles multiple transactions.

• Supports payroll and VAT (Value Added Tax) functions.

• Comes with online banking tools.

Platinum Business

• For large companies.

• Requires a balance of 3.5M AED.

• Provides a relationship manager.

• Includes better FX rates.

Owner Package

• Best for single business owners.

• No monthly fees.

• AED 50,000 balance required.

• Offers a platinum debit card.

Connect Package

• No minimum balance required.

• AED 249 monthly fee.

• Fully digital account.

• Best for startups and small companies.

How to Open an Emirates NBD Account Online?

One of the best things about banking with Emirates NBD is that you don’t always have to visit a branch. You can easily start the process from your phone or laptop. Follow these simple steps:

1. Visit The Emirates NBD Website or Mobile App

Go to the official Emirates NBD website or download the Emirates NBD mobile app. Select the “Open an account” option to get started.

2. Choose Your Account Type

Choose the type of account you want - current, savings, salary, or business. The site or app will show you the features and benefits of each account so you can choose the right one.

3. Fill in Your Personal or Business Details

Enter your full name, nationality, phone number, email, and other details. For a business account, you’ll also add company details like trade license and shareholder information.

4. Upload Your Documents

Upload clear copies of the required documents - passport, Emirates ID, visa, salary certificate or trade license (depending on the account type). Make sure everything is valid and easy to read.

5. Verification Call or Email

After submitting the form, a bank agent may contact you for verification or to confirm your details. For business accounts, they may also ask for more details about your company’s operations.

6. Account Approval And Activation

After the review is complete, your account will be approved. You will receive your online banking login details, and your debit card and checkbook (if applicable) will be sent to your registered address.

Why Open an Emirates NBD Account?

1. Variety of Account Options

Emirates NBD offers you multiple account types such as Current, Savings, Deposit, XAU Gold and Mudarabah Savings. You can choose the one that suits your needs and helps you manage your money the way you want.

2. Easy Digital Banking

The bank makes banking easy through its mobile app. You can quickly open an account, get e-statements and approve payments through Smart Pass. With UAE PASS, you can confirm your ID online, saving time and effort.

3. Large Network Worldwide

Emirates NBD has over 200 branches and 900 ATMs/CDMs in the UAE and abroad. Customers and non-customers can use ATMs to withdraw cash with set fees and limits. For money transfers, DirectRemit lets you send funds to specific countries in just 60 seconds.

5. Priority Banking

High-income earners can use Priority or Private Banking. This offers specialized services such as investment advice, trust planning and estate assistance. You also get a private lounge and personalized banking support.

4. Offers And Rewards

The bank runs several deals, such as:

Win cars like a Mercedes Maybach or watches like an Omega Speedmaster if you maintain a set balance.

Save up to USD 1,090 (AED 4,000) with Debit Card Deals and earn up to USD 13,615 (AED 50,000) with Beyond Deals.

Credit card users can enjoy cashback, rewards and loan benefits of up to USD 1,361 (AED 5,000).

6. Islamic Banking

Emirates NBD also offers Islamic accounts. These are Sharia compliant, so you can manage your money according to Islamic values.

Emirates Bank Dubai Account Fees

The one-time joining fee for the Skywards Savings Account is AED 2,500. From the second year, you will have to pay a monthly fee of AED 250.

For other accounts, you will not have to pay any opening fee. But you will have to maintain a minimum balance based on your banking package. If your balance falls below the required amount, the bank charges a monthly fee.

What Documents Are Required to Open an Emirates NBD Account?

The documents you need depend on the type of account. It can be a personal account or a business account. In most cases, scanned copies work well if you apply online.

For Personal Accounts

• Proof of residency: UAE visa.

• Proof of identity: Passport and Emirates ID.

• Proof of income: Pay slip, job letter, salary slip, or trade license if self-employed.

• Proof of address: Latest utility bill, rent slip, or employer letter (not older than 3 months).

• CV: Sometimes asked for non-residents.

• Bank letter: Non-residents may need this along with 6 months of bank statements.

For Business Accounts

Financial Papers: Six months of bank statements for existing companies, or business plans for new companies.

Company Papers: Trade license, registration papers, certificate of incorporation, and memorandum and articles of association.

Proof of Address: Ezari lease paper or free zone registry paper.

Ownership Details: Ownership chart, board paper, and Emirates ID of all signatories.

Power of Attorney: Required if you are granting rights to signatories.

What Are The Benefits of Banking With Emirates NBD?

Here are the simple benefits of banking with Emirates NBD:

Many Account Options: You can open savings, current, loan or credit card accounts.

Reasonable Interest Rates: You get good rates on savings and loans.

Customer support: You get fast support when you ask.

Wide access: You get many ATMs and branches across the UAE.

Easy online banking: You can check balances and send money from anywhere.

Rewards program: You earn points and offers when you use your card.

Business banking: You get services designed for business owners.

International services: You can send money and use offshore accounts easily.

Strong security: Your money and data stay safe with secure systems.

New banking tools: You get modern options to make banking easier.

Check Also: A Complete Guide to UAE Involuntary Loss of Employment Insurance (ILOE)

FAQs: Frequently Asked Questions

Q1. Does Emirates NBD offer accounts for non-residents?

Yes, Emirates NBD offers banking options for non-residents. Typically, these accounts are limited to basic savings or fixed deposit types without a check book, credit or debit card, online banking access or multi-currency features. Such non-resident accounts are only available with a few major banks in the UAE, including Emirates NBD, Mashreq, ADCB, FAB, DIB, RAKBANK and HSBC UAE.

Q2. Can I open an Emirates NBD account without a salary?

Yes, you can. There is no minimum salary or balance requirement to open an Emirates NBD Family Savings Account. However, for most other account types, the bank requires a minimum salary of approximately AED 5,000 (USD 1,361) to be eligible to open an account.

Q3. What are the requirements to open an Emirates NBD account?

Documents and Eligibility:

Identity: Original Emirates ID and a copy of it, along with a copy of your passport.

For salary transfer accounts, you must provide one of the following: a copy of your labor card, employee ID, latest salary certificate, or a copy of your employment visa page in your passport.