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Sending Telegraphic Transfer

Easily transfer money from your accounts within the UAE or around the world

Sending Telegraphic Transfer

Easily transfer money from your accounts within the UAE or around the world

At Emirates NBD, you can easily transfer money from your accounts within the UAE or around the world by simply choosing any of channels that is most convenient for you.

Online & Mobile
Phone Banking
Branches

Enjoy our innovative Online and Mobile banking platform to send money to anywhere in the world from convenience of your home, office or on the go.

Features

Available for both Local and International transfers
Available transaction amount up to AED 250,000 daily
Email confirmation
Instant beneficiary registration online
Standing instructions
Same day processing for transfers made between 8 am - 4 pm Saturday – Thursday
Next business day processing for transfers made after 4 pm and on Fridays

Currencies

CURRENCY (available for Telegraphic Transfers)
Flag	Country name	Currency code
	Australian Dollar	AUD
	Bahraini Dinar	BHD
	Bangladesh Taka	BDT
	Canadian Dollar	CAD
	Danish Krone	DKK
	Egyptian Pound	EGP
	European Union Euro	EUR
	Indian Rupee	INR
	Jordanian Dinar	JOD
	Japan Yen	JPY
	Kenyan Shilling	KES
	Kuwaiti Dinar	KWD
	Moroccan Dirham	MAD
	Malaysian Ringgit	MYR
	Norwegian Krone	NOK
	New Zealand Dollar	NZD
	Pakistan Rupee	PKR
	Philippine Peso	PHP
	UK Sterling Pound	GBP
	Qatari Rial	QAR
	Omani Rial	OMR
	Russian Ruble	RUB
	Saudi Riyal	SAR
	Singapore Dollar	SGD
	Srilankan Rupee	LKR
	South African Rand	ZAR
	Swiss Franc	CHF
	Swedish Krona	SEK
	Tunisian Dinar	TND
	Turkish Lira	TRY
	Thailand Baht	THB
	United States Dollar	USD
	Yemeni Rial	YER
	Yuan Renminbi	CNY

Click here for Fees & Charges

Simply dial our 24-hour Call Centre hotline, 600 540 000 and enjoy friendly service with a personal touch from our Phone Banking Officers.

Features

Available for both Local and International transfers
Available transaction amount up to AED 100,000 daily

Process

Follow the account verification steps and select the Fund transfer option and then choose the relevant option which would take you to our Phone Banking Officer who will assist you in carrying out fund transfer to any other bank in the UAE or outside UAE/ enquiries on Western union transfers.

Currencies

CURRENCY (available for Telegraphic Transfers)
Flag	Country name	Currency code
	Australian Dollar	AUD
	Bahraini Dinar	BHD
	Bangladesh Taka	BDT
	Canadian Dollar	CAD
	Danish Krone	DKK
	Egyptian Pound	EGP
	European Union Euro	EUR
	Indian Rupee	INR
	Jordanian Dinar	JOD
	Japan Yen	JPY
	Kenyan Shilling	KES
	Kuwaiti Dinar	KWD
	Moroccan Dirham	MAD
	Malaysian Ringgit	MYR
	Norwegian Krone	NOK
	New Zealand Dollar	NZD
	Pakistan Rupee	PKR
	Philippine Peso	PHP
	UK Sterling Pound	GBP
	Qatari Rial	QAR
	Omani Rial	OMR
	Russian Ruble	RUB
	Saudi Riyal	SAR
	Singapore Dollar	SGD
	Srilankan Rupee	LKR
	South African Rand	ZAR
	Swiss Franc	CHF
	Swedish Krona	SEK
	Tunisian Dinar	TND
	Turkish Lira	TRY
	Thailand Baht	THB
	United States Dollar	USD
	Yemeni Rial	YER
	Yuan Renminbi	CNY

Visit our wide network of over 100 branches to transfer funds locally or internationally.

Features

Available for both Local and International transfers
Unlimited transaction volume
Standing instructions
Same day processing for transfers made between 8:00 am and 1:00pm Saturday – Thursday
Next business day processing for transfers made after 4 pm

Requirements

Complete the form and submit to any ENBD branch

Branches

BRANCHES (All branches process FX transactions, the following have Express FX counters)
Branch	Location area
Al Twar Branch	Al Twar
Al Barsha Branch	Near Intersection of Al Mafraq Rd, 23rd St, Dubai - UAE
Al Qusais Branch	Damascus St, Near Dubai Grand Hotel, Al Qusais, Dubai - UAE
Al Maktoum	Between Al Maktoum Street and Baniyas Rd, Deira 4th St, Dubai - UAE
Al Souk	3A Str, Near Central Bank, Dubai Suq Al Suq St, Dubai - UAE
Burj Al Arab Branch	17 A St, Near Jumeirah Beach, Dubai - UAE
Convention Centre Branch	11th St, Near 2nd Za'abeel Road, International Convention Centre, DWTC, Dubai - UAE
Deira Branch	Deira
Deira City Centre Branch	Baniyas Rd, Ground Floor, Deira City Centre, Dubai - UAE
Dubai Marina Mall Branch	Sheikh Zayed Rd, Near Dubai Marina Mall, Dubai - UAE
Dubai Mall Branch LG001	Emaar Blvd, Dubai - UAE
Dubai Marina Branch	Dubai Marina - Jumeirah Beach Residence, Al Fattan Marine Tower II
Dubai Festival City	Al Rebat St, Near Hyper Panda, Dubai - UAE
Dubai Media City	Al Sufouh Rd, Near Dubai Media City Building 14, Dubai - UAE
Emirates Headquarters Branch	Emirates Headquarters
Emirates Towers Branch	Shop No. 35, Sheikh Zayed Rd, Near Jumeirah Emirates Towers, Dubai - UAE
Galleria Branch	27th Street, Between Corniche Rd and Al Khaleej Rd, Dubai - UAE
Ibn Batutta Mall Branch	Ibn Batutta Mall
Internet City Branch	Internet City
Jebel Ali Free Zone Branch	D 59 Rd, Near Etisalat Office, Dubai - UAE
Jebel Ali Branch	Jebel Ali Free Zone, Next to CBD and HSBC
Jumeirah Beach Walk Branch	Unit No GM-09, The Walk Shopping Centre, Jumeirah Beach Residence, Al Sufouh Road, Dubai
Jumeirah Beach Road Branch	Unit No GM-09, The Walk Shopping Centre, Jumeirah Beach Residence, Al Sufouh Road, Dubai
Jumeirah Branch	Al Wasl Rd Intersection with Al Safa St, Dubai - UAE
Nadd Al Shiba Branch	Nadd Al Shiba
Sheikh Zayed Road Branch	Sheikh Zayed Rd, Near White Crown Tower, Dubai - UAE
Umm Suqueim	Near Umm Al Quwain Hospital, Umm Al Quwain - UAE

Currencies

CURRENCY (available for Telegraphic Transfers)
Flag	Country name	Currency code
	Australian Dollar	AUD
	Bahraini Dinar	BHD
	Bangladesh Taka	BDT
	Canadian Dollar	CAD
	Danish Krone	DKK
	Egyptian Pound	EGP
	European Union Euro	EUR
	Indian Rupee	INR
	Jordanian Dinar	JOD
	Japan Yen	JPY
	Kenyan Shilling	KES
	Kuwaiti Dinar	KWD
	Moroccan Dirham	MAD
	Malaysian Ringgit	MYR
	Norwegian Krone	NOK
	New Zealand Dollar	NZD
	Pakistan Rupee	PKR
	Philippine Peso	PHP
	UK Sterling Pound	GBP
	Qatari Rial	QAR
	Omani Rial	OMR
	Russian Ruble	RUB
	Saudi Riyal	SAR
	Singapore Dollar	SGD
	Srilankan Rupee	LKR
	South African Rand	ZAR
	Swiss Franc	CHF
	Swedish Krona	SEK
	Tunisian Dinar	TND
	Turkish Lira	TRY
	Thailand Baht	THB
	United States Dollar	USD
	Yemeni Rial	YER
	Yuan Renminbi	CNY

What are people asking?

What is a Telegraphic Transfer?

Telegraphic Transfer is one of the remitting products which allows customers to transfer money locally and internationally in any remitting currency via Swift.
How do I perform a Telegraphic Transfer (Local/ International)?

Multiple banking channels are enabled for Telegraphic Transfer including Emirates NBD branches, Online Banking, and ATMs. IVR can be used only for registered beneficiaries.
What are the fees & charges for using this Telegraphic Transfer?

Telegraphic Transfer fees vary due to various factors such as amount, currency, correspondent Bank involved, selection of charge code and Channel used.
On Telegraphic Transfers how can I check the currency rate?

The prevailing exchange rate will be displayed on Online Banking or smartBUSINESS at the time of performing the transaction. In branches, the staff will advise the clients the applicable rate of the selected currency.
Is it possible to get special rate on Telegraphic Transfers?

Special rates are subject to meeting the minimum threshold amount. The minimum threshold amount to obtain a special rate approval for USD/AED is AED 500,000. For other than USD/AED the minimum threshold amount is AED 100,000.

What is a Telegraphic Transfer?

Telegraphic Transfer is one of the remitting products which allows customers to transfer money locally and internationally in any remitting currency via Swift.
How do I perform a Telegraphic Transfer (Local/ International)?

Multiple banking channels are enabled for Telegraphic Transfer including Emirates NBD branches, Online Banking, and ATMs. IVR can be used only for registered beneficiaries.
What are the fees & charges for using this Telegraphic Transfer?

Telegraphic Transfer fees vary due to various factors such as amount, currency, correspondent Bank involved, selection of charge code and Channel used.
On Telegraphic Transfers how can I check the currency rate?

The prevailing exchange rate will be displayed on Online Banking or smartBUSINESS at the time of performing the transaction. In branches, the staff will advise the clients the applicable rate of the selected currency.
Is it possible to get special rate on Telegraphic Transfers?

Special rates are subject to meeting the minimum threshold amount. The minimum threshold amount to obtain a special rate approval for USD/AED is AED 500,000. For other than USD/AED the minimum threshold amount is AED 100,000.
What is the process to request for a special rate on Telegraphic Transfers?

Priority Banking and Business Banking clients will need to request their respective Relationship Managers to get the special rate for their transactions.

Personal banking clients can request the Head Teller in Branches to obtain a special rate.
What is the required information needed to perform an outgoing transfer (Local/ International)?

Required information depends on the beneficiary country, in general, account number/IBAN & SWIFT codes are mandatory for all.
What are the cut off times for Outgoing Telegraphic Transfer?
Cut off times varies depending on the currency and the channel used. Please find the cut off times for major currencies for Telegraphic Transfer as follows:
- For Telegraphic Transfers conducted via Online Banking and smartbusiness
  - AED (UAE Dirham)– 03:30 PM
  - USD/CAD (US Dollar/ Canadian Dollar) – 04:00 PM
  - GBP/EUR/CHF (Great Britain Pounds, EURO, Swiss Francs) – 03:00 PM
  - Other Currencies – 02:00 PM
- For Telegraphic Transfers submitted at the Branch: Cut off time is 2:00pm for all currencies.
If the Telegraphic transfer request is submitted prior to the cut off times, transaction requests will be processed the same day.

Note: If the telegraphic transfer request is submitted post the cut off times, prevailing exchange rate of the next working day will apply.
Where can I send the money via Telegraphic Transfer?

You can remit funds to any country except Sanctioned countries.
How much money can I send overseas at a time via a Telegraphic Transfer?
Segment limits are applicable for Online Banking transfers as mentioned below:
- AED 250,000 per day for Personal Banking customers.
- AED 500,000 per day for Priority Banking customers.
- AED 1,000,000 per day for Private Banking customers.
There is no limit for requests submitted in the Branches.
When will the money be available to my recipient if remitted via a Telegraphic Transfer?

Telegraphic Transfer Application which contains all mandatory information will be processed on the same day. Value date of the Transfer is based on the currency cutoff time, and public holidays.
What is the average turnaround time required for processing Telegraphic Transfers?

2 to 3 working days are set as the turnaround time for processing Telegraphic Transfers. However, incomplete applications or requests which require further details would be processed after obtaining the required details.
What is the meaning of BEN, SHA, OUR? How can I ensure that the recipient receives the full amount without any deduction of charges on a Telegraphic Transfer?

Remitters have the option to choose who shall claim Telegraphic Transfer charges including Emirates NBD, Correspondent and Beneficiary Bank Charges.

Beneficiary ("Receiver") will be liable to pay all related charges if Remitters ("Sender") selects "BEN" option. The amount will be deducted from the remitting amount.

Remitter ("Sender") will pay all said charges if he/she selects "OUR".

Charges will be shared with the Remitter ("Sender") and Beneficiary ("Receiver") if charge code "SHA" is selected.

Selecting charge code OUR will ensure that recipients shall receive the entire amount except for countries who do not have a charge-back system such as United States of America (USA).
I have remitted in the USD currency using charge code OUR via Telegraphic Transfer, which means debiting my account for your charges and correspondent bank charges, however, my beneficiary account has received less funds from the remitted TT. Please clarify?

As per the US banking practice, payments sent with charge Code "OUR" are re-classified into charge code "SHA" as in there is a fee deduction when funds are transferred between banks in the US. This is a not a duplicate charge; the Beneficiary ("Receiver") may expect an additional deduction from the funds received for settlement of any pending correspondent(s) bank charge(s). The charges may vary depending upon the fees & charges of the respective correspondent bank(s).
Do I receive a confirmation once the money is debited from my account via a Telegraphic Transfer?

A confirmation will be sent from Emirates NBD to the registered Remitter's email address once the amount is debited from the account.
I have made a mistake while entering the data for a Telegraphic Transfer. What should I do now?

Customers are required to ensure accuracy of details provided prior to submitting the transfer request. If customers would like to stop or cancel any transfer sent then he/she can contact the Emirates NBD call center to raise the cancelation request. Exchange loss amount, if any, shall be levied in such cases.
Can I setup a future-dated and a recurring Telegraphic Transfer?

Customers are able to raise a standing instruction request for future/ recurring transfers every week/ month based on their choice. To setup a future dated telegraphic transfer or recurring telegraphic transfer, you can either visit your nearest branch as per your convenience or perform the same via Online Banking. Applicable charges vary based on the customer segment. Please refer to the Schedule of Charges for more details.
How do I amend a recurring Telegraphic Transfer?

For standing instruction request submitted in branches, customers are required to visit the branch and submit the standing instruction amendment form for amendment requests.

For standing instructions scheduled via Online banking, customers need to login to Online Banking --> Select the Transfer option --> Select Standing Instruction. Amendment option will be displayed against each scheduled Standing instruction.
What is my IBAN number to receive a Telegraphic Transfer into my account (Local/ International)?

International Bank Account Number (IBAN) which comprises of 23 digits. Client can check their IBAN on Online Banking or contact Emirates NBD Call Center for assistance.
What is Emirates NBD Swift Code in-order to receive a Telegraphic Transfer into my account (Local/ International) ?

EBILAEAD
What information do I need to provide to receive a Telegraphic Transfer into my account (Local/ International)?

Please provide the mandatory information: the Account Title provided is the same as your Emirates NBD Account Title, along with valid 23 digit IBAN
While making a Telegraphic Transfer what if the remitter has entered my account details incorrectly? What should I do? Will my funds be returned?

You will need to inform the Remitter to notify the Sender bank to check the status of the transaction to provide revised instructions of Telegraphic recall or amendment if possible.

Useful Links & Documents

Branches & ATMs

Customer Care

Terms and Conditions

IBAN / Swift

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Segments

Products

Customer Care

Security

Tools & Others

Terms and Conditions

About Emirates NBD

Common Reporting Standard FAQ's

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Easily transfer money from your accounts within the UAE or around the world

Easily transfer money from your accounts within the UAE or around the world

At Emirates NBD, you can easily transfer money from your accounts within the UAE or around the world by simply choosing any of channels that is most convenient for you.

Useful Links & Documents

Segments

Products

Customer Care

Security

Tools & Others

Terms and Conditions

About Emirates NBD

Common Reporting Standard FAQ's

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