All transfers and payments are reliable, secure and fast with Emirates NBD. You can pay or transfer money to anyone or to any business internationally or locally in any of the world’s major currencies.
You need the following information to make a transfer or payment:
While making a transfer, you can set charges to one the following:
BEN - The beneficiary incurs all the payment transaction fees
SHA - Charges are shared, the payer pays the fees to send, and the beneficiary pays their fees to receive
OUR - The payer will bear all the payment transaction fees
When you place a transfer request, we process it and send it to your recipient’s bank which will credit your recipient’s account with the money you have transferred.
The time at which your transfer is processed will depend on when you’ve placed your request:
It usually takes 1 working day for local transfers and 2 to 3 working days for international transfers to be credited to your recipient’s account. However, there may be times when it may take slightly longer for the following reasons:
If your recipient’s bank is facing a challenge in having your transfer credited, you can provide them with a transfer confirmation in the form of an e-advise or a Swift Payment copy to be shared with the bank. This can speed up the process and help the recipient bank locate and credit the transfer to your beneficiary.
Help with Outward Remittance
For local outward remittance support, click here.
For international outward remittance support, click here.
If you have transaction related queries, here are some of the topics that you can raise a request through our digital channels instantly.
To request a SWIFT Payment copy for your transfer, choose one of the options below:
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 3 to 5 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 3 to 5 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 3 to 5 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 3 to 5 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 3 to 5 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 5 to 7 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 3 to 5 working days if there are no discrepancies.
Your request will be placed immediately followed by an SMS and email confirmation. One of our representatives will get in touch with you within 48 hours. The request will be processed within 3 to 5 working days if there are no discrepancies.
Even though it's uncommon, there may be times when your transfer could take longer than normal to reach your receiver. Please be aware of these situations:
In rare cases, we may request extra information to execute your DirectRemit transfer. If this happens, your transfer will be changed to a SWIFT international transfer. You’ll be alerted before you submit your request. International transfers will be credited to your recipient in 2 to 3 business days.
A payment is completed in two steps:
Since our systems are directly linked to service providers, your payment is usually completed instantly. If your payment is delayed, it could be due to one of the following reasons:
A SWIFT Payment copy, otherwise known as an MT103, is a standardised payment message used between banks specifically for foreign currency or cross border or international transfers. An e-advice, on the other hand, is a proof of payment generated every time you submit a local or international transfer request and can be instantly retrieved via Online Banking.
While both these payment messages include these transfer details, some banks won’t accept an e-advice: