Open an Emirates NBD Account in UAE – Savings or Current Account Opening

The national Bank of Dubai or popularly known as Emirates NBD is one of top banks in the UAE. It is leading the market with a Brand value of USD 3.89 billion. NBD engages in a large set of activities including retail banking, institutional and corporate banking, Islamic banking, etc.

If you’re looking to open an account with a bank, whether it is for personal savings or business purposes, NBD should be among your top choices. It has a diverse range of account types to help meet your requirements on different levels and a streamlined process to open a new bank account.

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Why Open an Account with Emirates NBD in UAE?

The Emirates NBD was established on 19th of June 1963. Since then, with its streamlined and smooth services, and proven efficiency over the years, NBD has proved to be among most trusted service provides in the region. It operates globally including countries like UAE, Egypt, India, Turkey, Kingdom of Saudi Arabia, Singapore, and the UK. Following are the main services NBD provides:

retail banking
corporate and institutional banking
Islamic banking
investment banking
private banking
asset management

With the listed services and more, NBD is among the leading banks in the UAE. It’s headquarters is in the emirates of Dubai while having over 200 branches and 900 ATMs/CDMs in the UAE. It has even been named the “Best Bank in the United Arab Emirates” by Global Finance World’s Best Banks 2022 Awards.

Benefits of Banking with the Bank of Dubai

If you need a bank account in Dubai, NBD should among your first priorities. Here’s the major benefits for opening your account with NBD:

Diverse Account Options: Choose from Current, Savings, Deposit, XAU Gold, Mudarabah Savings, and zero balance Accounts to match your financial goals.
Seamless Digital Banking: Open an account instantly via mobile, access e-statements, and use Smart Pass for secure transactions.
Wide Global Reach: Over 200 branches and 900 ATMs/CDMs in the UAE and abroad, plus 60-second international transfers with DirectRemit.
Exciting Rewards & Promotions: Win luxury prizes, earn cashback, and enjoy exclusive debit/credit card savings.
Exclusive Priority & Private Banking: Tailored financial solutions, investment advisory, and premium banking services for high-net-worth individuals.
Shari’ah-Compliant Banking: Islamic banking options to ensure financial management aligns with Islamic principles.

Current Account

Following are the perks and privileges of opening a current account with Emirates NBD:

Complete transfers in 60 seconds with DirectRemit.
Save up to AED 4,000 on debit card offers.
No fees to open the account.
Supports multiple currencies (AED, AUD, BHD, CAD, EUR, GBP, JOD, KWD, OMR, USD, SGD, SAR, QAR).
Up to 10 free teller transactions per month, depending on your package.
First cheque book comes free.
Open to salaried, non-salaried, and self-employed individuals with a minimum balance and salary of AED 3,000.

Savings Account

Following are the perks and privileges of opening a savings account with NBD:

Save up to AED 4,000 with debit card deals.
Transfer funds in just 60 seconds using DirectRemit.
No fees for opening the account.
Offers accounts in AED or various foreign currencies (USD, GBP, AUD, CAD, SGD, JOD, KWD, SAR, QAR, OMR, BHD).
Earn an interest rate of 0.20% per annum.
Up to 10 free teller transactions each month based on your package.
Receive half-yearly electronic statements.
Suitable for salaried, non-salaried, and self-employed individuals with a minimum balance of AED 5,000.

How to Open an Emirates NBD Account?

You need to follow these simple steps to start an account with NBD.

For New Customers

NBD offers you to luxury that you can start an account through their Mobile App or website.

Via Mobile App or Website:

Download the Emirates NBD Mobile App or visit the official website.
Select “Open Your New Account.”
Enter your employment details and tap “Get Started.”
Accept the Terms & Conditions and slide to confirm.
Provide your personal details and tap Continue.
Scan, upload, or take a photo of your Emirates ID, passport, and a selfie.
Enter your contact details and verify with the OTP sent to your phone/email.
Fill in your work details and tap Continue.
Review your card name, confirm, and check your account details.
Set a new password, log in, and start using the account.

Your account will be created, but full access will be given after verification. Emirates NBD may ask for more details if needed.

Note: UAE residents aged 18+ with a salary of AED 5,000 or more can apply. If you request a debit card or chequebook, they will arrive in 3 to 5 working days.

For Existing Customers

If you already have an account and want to open a Savings or Current Account, follow these steps:

Via Internet or Mobile Banking:

Log in to Mobile or Online Banking.
Select “Apply for New Service” > “Account” > “Open a New Account.”
Choose “Current” or “Savings Account.”
Select the account type and tap “Apply for This Account.”
Enter the required details and continue.
Approve the request using Smart Pass PIN.

Your new account will be ready for transfers, online banking, and ATM access.

Required Documents

The required documents that you need to submit depend on the type of account you are opening e.g. individual, joint, or company account.

For Individual Accounts:

Original Emirates ID and a copy
Passport copy
Labour Card copy (if applicable)
Employee ID (if applicable)
Salary letter or certificate (for salary transfer accounts)
Joint accounts require documents from all account holders.

For Company Accounts:

Passport & Emirates ID copies of all signatories, owners, or directors
Trade Licence
Memorandum of Association (MOA)
Board Resolution
Additional documents like proof of address if requested by Emirates NBD

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Facilities for Personal Banking and Business Setup

Category	Features & Services
Personal Banking	Wealth Management – Trade in 11,000+ global and local stocks & ETFs with real-time execution.
	Money Transfers – International remittances via SWIFT and instant 60-second transfers.
	Bill Payments – Pay utility and telecom bills through the app, with automated debit options.
	Loans & Instalments – Flexible financing, including loans on cards, cash advances, and balance conversions.
	Security Features – Smart Pass for one-tap approvals, transaction limits, and real-time alerts.
	ATM Access – Withdraw cash at Emirates NBD ATMs, with services for both customers and non-customers (fees may apply).
Corporate & Investment Banking	Cash Flow & Working Capital – Custom financial solutions for businesses.
	Trade Finance & Corporate Advisory – Support for business growth, mergers, acquisitions, and restructuring.
	Business Accounts – Payroll management and corporate financing solutions.
Priority & Private Banking	Exclusive Services – Available for clients maintaining AED 200,000+ balances.
	Wealth Management – Dedicated advisors for investment, estate planning, and trust services.
	Premium Privileges – Access to private lounges, priority customer service, and exclusive rewards.
Islamic Banking	Shari’ah-Compliant Accounts – Islamic Current and Savings Accounts.
Islamic Banking	Islamic Finance – Murabaha and Mudarabah-based personal, auto, and home financing.
Digital Banking Innovations	ENBD X App – 150+ real-time services with an upgraded user experience.
	Future Lab – Researching and developing next-gen financial technologies.
	API Souq – Open APIs for FinTechs and businesses to create new financial solutions.
	Chat Banking via WhatsApp – Secure, chat-based customer support.
	Award-Winning Digitalisation – Recognized globally for innovation in digital banking.
Security & Customer Experience	KYC & AML Compliance – Strict identity verification to prevent fraud.
	24-Hour Holding Period – Extra security for newly added beneficiaries.
	Smart Pass – Secure digital authorization replacing SMS OTPs.
	Post-Approval Follow-Up – Continuous monitoring for additional checks if required.
	24/7 Customer Support – Available via phone, in-app chat, and branch visits.

Frequently Asked Questions (FAQs)

1. How can I start using online services after signing up?

Once you complete digital account opening, you can instantly access online and mobile banking. The banking app lets you manage your funds, pay bills, and track transactions from anywhere.

2. What is the minimum financial requirement to start an account?

To maintain a minimum balance, the required amount depends on the type of account. Some accounts, such as the Emirates NBD zero balance account, don’t have a minimum deposit requirement.

3. Can I apply without visiting a physical branch?

Yes, with the simple steps to open an account, you can complete the process through the website or via Emirates NBD’s mobile app. If verification is needed, you may have to visit any Emirates NBD branch.

4. What account options are available?

Emirates NBD provides multiple options, including savings, current, and investment-based accounts. You can also open an Emirates NBD current account if you need business-related finance services.

5. How soon will I receive my account details?

Once you complete the process, you will receive your account number on the spot. Full access will be granted after verification, ensuring you can operate the account seamlessly.

6. Is there a way to start an account without a deposit?

Yes, you can open a zero-balance account, which allows full access to everyday banking services without requiring an initial deposit.

7. Can I apply for an account if I don’t meet the minimum salary requirement?

Some account types require you to meet a minimum salary threshold, but others, like the Mudarabah savings account, offer flexibility for those who do not earn a fixed income.

8. How do I transfer my salary to my new account?

To transfer your salary, provide your employer with your updated details. Emirates NBD offers instant salary crediting with real-time notifications via the UAE mobile number linked to your account.

9. What benefits come with an Emirates NBD credit card?

Applying for an Emirates NBD credit card through an application form alongside your account can unlock rewards, cashback, and exclusive offers, enhancing your everyday banking experience.

10. Where can I find the main branch?

The headquarters of Emirates NBD Bank is located on Baniyas Road, but you can visit any Emirates NBD branch across the UAE for personalized services