To open an Emirates NBD account in 2024 is straightforward and offers a range of benefits for individuals and businesses. Whether you are a resident or a non-resident, Emirates NBD provides various account options tailored to meet your banking needs.
In this guide, we’ll explain the steps to open an account, the required documentation, and the features that make Emirates NBD a preferred banking choice in the UAE.
What are the Benefits of Banking with Emirates NBD?
Below are multiple benefits of banking with Emirates NBD:
- Variety of Accounts and Services: Savings, checking, loans, and credit cards.
- Easy Online Banking: Manage accounts and transactions from anywhere.
- Helpful Customer Support: Personalized assistance whenever you need it.
- Reasonable Interest Rates: Competitive rates for savings and loans.
- Rewards Program: Earn points and benefits on your transactions.
- Convenient Access: Many branches and ATMs across the UAE.
- Business Banking: Special services and products for businesses.
- Strong Security: Advanced features to keep your money safe.
- International Services: Support for global transactions and offshore accounts.
- Innovative Solutions: Modern products and services to meet your needs.
Perks of Opening an Emirates NBD Account
Having an Emirates NBD account comes with numerous perks. You can enjoy easy online and mobile banking for all your everyday tasks. With over 200 branches and 900 ATMs/CDMs across the UAE and abroad, accessing your account is convenient and hassle-free.
The bank offers exciting rewards and benefits with its debit and credit cards, including significant savings and cashback offers. You’ll also get up to 10 free teller transactions per month and a complimentary first chequebook.
Additionally, Emirates NBD provides comprehensive wealth solutions and various insurance plans to help you secure your financial future and protect your loved ones.
Choose from the Range of Accounts
Emirates NBD offers various current and savings accounts to suit your needs and financial goals. Consider opening a checking account for daily expenses and a savings account to earn reasonable interest rates. If you have children under 18, you can open accounts for them too.
To open your account on the same day, just ensure you bring all the required documents when applying.
How to open an Emirates NBD account?
Below are the steps that will help you open a bank account with Emirates NBD.
For New Customers
If you are a new customer, then you need to follow the steps below.
Open an Emirates NBD Account via a Mobile App:
- Download the Emirates NBD Mobile App
- Select “Open Your New Bank Account“
- Enter Your Employment Details
- Tap Next and click on “Get Started”
- Accept the Terms & Conditions
- Slide to Confirm
- Fill in Your Personal Information and tap Continue
- Scan, Upload, or Capture the front and back of your Emirates ID, passport details, and a selfie, then tap Continue.
- Provide Your Contact Details and tap Continue
- Enter the OTP sent to your registered mobile number and email address
- Input Your Work Details and tap Continue
- Review or Edit the Card Name and Slide to Confirm
- Check Your Account Details, set your new password, and tap Continue
- Log In to your new account.
Your account will be set up, but full access to everyday banking will be granted once verification and due diligence are complete.
Note: Emirates NBD may request additional information in some cases and will inform you if needed.
Open an Emirates NBD Account via the Website
UAE residents over 18 who earn a minimum salary of AED 5,000 can open an account through our website. You’ll need a UAE mobile number.
- Click on “Apply Now” under Accounts
- Enter Your Personal and Employment Information
- Upload the Required Documents and click Submit
- Expect a Call Back within 1 working day. If all documents are in order, we’ll open your account right away.
Note: If you’ve requested a debit card and chequebook, you’ll receive them within 3 to 5 working days after opening your account.
For Existing Customers
If you already have an account with us and wish to open an additional Savings or Current Account, you can follow the steps, mentioned below:
Open an Emirates NBD Account via a Mobile Banking:
- Log into Mobile Banking
- Tap on the bottom menu of the app
- Select “Apply for New Service” > “Account” > “Open a New Account”
- Choose “Current” or “Savings Account”
- Swipe to select the account type you want and tap “Apply for This Account”
- Enter the required details and tap Continue
- Enter your Smart Pass PIN
These steps will help you open your account. You can transfer money to it and start using Online Banking, Mobile Banking, and Emirates NBD ATMs.
Open an Emirates NBD Account via Online Banking:
- Log in to Online Banking
- Click on the navigation menu
- Select “Apply for New Service” > “Account” > “Open a New Account”
- Choose “Current” or “Savings Account”
- Select the type of account you want and click “Apply for This Account”
- Enter the required details and click Continue
- You will receive an authorisation request on your mobile app. Then, open your app and slide it to confirm
- Enter your Smart Pass PIN
This will help you to open an account using the online banking option. You can transfer money to it and start using Online Banking, Mobile Banking, and Emirates NBD ATMs.
Account Fees and Charges
Opening a Skywards Savings Account comes with a one-time joining fee of AED 2,500; from the second year onwards, a monthly fee of AED 250 applies. There are no opening fees for other types of accounts with Emirates NBD.
However, if you do not have a payroll or company account with Emirates NBD, you must maintain a minimum average monthly balance according to your banking package. If your balance falls below this balance, you may be charged a monthly fee.
Documents required for opening a bank account with Emirates NBD
Below are the required documents for opening a bank account with Emirates NBD:
Documents for Individual Resident
- Passport and Emirates ID (or Emirates ID application if you’ve just applied)
- UAE Resident Visa (for non-GCC Nationals)
- For GCC Nationals without an Emirates ID: Provide one of the following to verify your address:
- A letter from your employer
- A utility bill (dated within the last 3 months)
- A tenancy contract (in your name)
For Payroll or Salary Transfer Accounts: Provide one of the following documents:
- Your latest salary certificate
- A copy of your appointment letter or contract
- Your pay slip (dated within the last 3 months)
- The last statement of an account where your salary was transferred
Documents for Individual Non-Resident
- Passport
- Proof of Employment or Self-Employment: Salary letter, employment contract, trade license, or bank statement
- Address Verification: One of the following documents:
- Utility bill (dated within the last 3 months)
- Bank statement (dated within the previous 3 months; online statements are acceptable)
- Reference letter from your bankers in your home country, confirming the length and nature of your relationship with them and your residential address (must cover at least 12 months)
Documents for Company
- Commercial or Federal Registration Certificates (if applicable)
- Certificate of Commencement of Business (for joint stock companies)
- Power of Attorney (if applicable)
- Copies of Emirates IDs and Passports of the authorised signatories
- Board of Directors (BOD) Resolution: This should specify the titles and designations of officials authorised to open or operate the account, their extent of authority, and the manner of operating the account.
- Memorandum and Articles of Association
- For Public Shareholding Companies: List of names and addresses of shareholders with more than 5% of the shares.
Recommended next reads
| Open a Bank Account in Dubai | How to open business bank account in UAE |
| How to Open a Non-Resident Bank Account in UAE | How to Open a Company Account in RAK Bank |
Wrapping Up Your Emirates NBD Account Opening
Opening an Emirates NBD account in 2024 is an easy process that offers numerous benefits for individuals and businesses. Emirates NBD is for your diverse financial needs, offering various account options and convenient banking services. From user-friendly online and mobile banking to competitive interest rates and rewarding perks, the bank provides a comprehensive suite of services to enhance your banking experience.
If you need assistance setting up your business in the UAE, Shuraa is here to help. Shuraa offers expert guidance through the entire business setup process. It ensures you meet all legal requirements and smoothly integrate your financial needs with Emirates NBD’s banking services. Whether opening a personal account or managing business finances, Shuraa can provide valuable support to make your transition to banking in the UAE as smooth as possible.
Contact us at +97144081900 or send a WhatsApp message to +971507775554. Alternatively, reach out via email at [email protected] for prompt assistance.
Frequently Asked Questions
Q1. How to open a savings account in Emirates NBD?
To open a savings account with Emirates NBD, visit their website or mobile app and select “Open a Savings Account.” Fill out the application form with your details, upload the required documents, and verify your identity.
Submit your application, and if approved, your account will be opened. Your debit card and chequebook will arrive within 3 to 5 working days.
Q2. How to open a salary account in Emirates NBD?
To open a salary account with Emirates NBD, visit their website or mobile app and select “Open a Salary Account.” Complete the application form with your personal and employment details.
Upload the necessary documents, such as your salary certificate or employment contract, and verify your identity. Submit your application, and once approved, your account will be set up. Your debit card will arrive within 3 to 5 working days.
Q3. How to open a zero-balance account in Emirates NBD?
To open a zero-balance account with Emirates NBD, visit their website or mobile app and select “Open a Zero Balance Account.” Complete the online application form with your personal information, then upload the necessary documents, such as your passport and Emirates ID.
Verify your identity using an OTP sent to your mobile and email and submit your application. Once approved, your account will be set up, and your debit card will be delivered within 3 to 5 working days.
Q4. How to open a joint account in Emirates NBD?
To open a joint account with Emirates NBD, all applicants must visit an Emirates NBD branch with the required documents. The account will be opened on the same day, allowing all joint account holders to start using it immediately.
You can either open a new savings or current account and set it up as a joint account or convert an existing account to a joint one by adding additional account holders.
Q5. How to open a business account in Emirates NBD?
To open a business account with Emirates NBD, start by visiting an Emirates NBD branch with the necessary documents, such as commercial registration certificates, a certificate of commencement of business (for joint stock companies), and a power of attorney (if applicable).
You’ll also need to provide copies of Emirates IDs and passports of authorized signatories. Complete the application form and submit it along with your documents.
The bank will review your application and may contact you for additional information if needed. Once approved, your business account will be opened, and you’ll receive the required banking tools and services.
