What you need to know
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:
- Your beneficiary's name
- Beneficiary's International Bank Account Number (IBAN)
- Beneficiary's SWIFT (also known as MT103), BIC (unique Bank Identifier Code), Routing Number
- If an IBAN not available, you must know the beneficiary's account number
- A suitable ‘purpose of payment’
Charges
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
Worried about the status of your transfer?
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:
- AED local transfers: Requests placed before 6pm UAE time (Monday to Saturday) will be processed on the same working day. Otherwise, they will be processed the next working day.
- Foreign currency local and international transfers: Requests placed before 2pm UAE time (Monday to Saturday) will be processed the same working day subject to availability of funds. Otherwise, they will be processed the next working day.
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:
- Certain banks and payment service providers don’t process transfers during weekends or bank holidays.
- There might be a discrepancy in the recipient’s account details such as the name or account number. This will result in the funds being returned to your account within 2 working days once the funds have been transferred by the correspondent bank.
- Banks and payment service providers are required to run regulatory checks on transfers which could cause a delay.
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.
Swift Copy
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.
Local transfer not received
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.
International transfer not received
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.
Download your e-advice statement
Other bank payment not received
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.
ENBD Account payment not processed
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.
IVR Payment not processed
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.
Online/Mobile payment not processed
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.
DirectRemit not received
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.
Cancel/ Recall transfer
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.
Inward transfer not received
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.
Salary not received
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.
Cheque clearance pending
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.
Cash Deposit Machine error
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.
Exchange house payment not received
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.
Loan on card not credited
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.
Is your DirectRemit transfer or payment taking longer than usual?
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:
- Each of our DirectRemit countries has its own processing and crediting schedules. These vary depending on the country and bank to which you are transferring. Any transactions initiated after processing hours will be credited to your recipient the next business day.
- During holidays some banks and payment systems do not execute transfers.
- To comply with regulations, all banks and payment service providers are required to conduct checks on your payments and this may sometimes result in delays.
- If the recipient bank discovers a discrepancy between the account data you provided, such as the name or account number, the transfer will be returned to your Emirates NBD account within 2 working days once the funds have been transferred by the partner or correspondent bank.
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.
Was your payment successful?
A payment is completed in two steps:
- Once you submit a payment request, it is processed and sent to the service provider
- The service provider then credits it to your beneficiary
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 technical issue has occurred: In this case, your payment will take up to 24 hours to get credited.
- The payment details are incorrect: You will need to contact your service provider and give them the correct payment details.
What’s the difference between an e-advice and a SWIFT Payment copy?
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:
- Your name and account details
- Your recipient’s name and account details
- Date the transfer was made
- Transfer currency and amount
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