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You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
Your passport
Proof of income
A minimum salary of AED 5,000
An overdraft facility provides you with instant cash support up to 2 times your salary. The amount is available on your account and can be utilized via debit card, cheques, online transfers or standing instruction payments.
Cheque bounce protection
Access to instant cash
Pay interest only on the amount used
Terms and conditions apply.
Overdraft
Easy, Versatile and Convenient
'Overdraft' from Emirates NBD a facility that gives you freedom and flexibility, ensuring you always have cash available for urgent needs.
Overdraft up to 2 times the monthly salary
Cheque bounce protection
Interest charged on amount and usage period
Overdraft Features
Instant cash support for a temporary cash shortfall.
Cheque bounce protection
Ideal for emergency cash requirements
Easy repayment options
Pay only for the amount and the time period used
Easy documentation
Instant cash support
Up to 2 times your net monthly salary
90% of the Fixed Deposit under lien with us
Find out the list of documents required with your Personal Loan application:
Terms & Conditions:
Additional Notes:
What are people asking?
It is a limit granted on your current account that allows you to withdraw up to this amount even when there is no funds / credits available in your account.
You will be eligible if your salary account is with us and your company is on our approved list for overdraft facility. Your minimum net monthly income must be AED 3,000 per month.
There are 2 types of Overdraft you can choose from:
Once your Overdraft application is processed and approved, limit will be made available in your account immediately if you have an existing salary transfer. Otherwise, limit will be made available after the first salary is credited.
This amount is made available in your account. It can be utilized through the various modes i.e. ATM, cheques, debit card purchases, online transfers, standing instruction payments etc.
It is a limit granted on your current account that allows you to withdraw up to this amount even when there is no funds / credits available in your account.
You will be eligible if your salary account is with us and your company is on our approved list for overdraft facility. Your minimum net monthly income must be AED 3,000 per month.
There are 2 types of Overdraft you can choose from:
Once your Overdraft application is processed and approved, limit will be made available in your account immediately if you have an existing salary transfer. Otherwise, limit will be made available after the first salary is credited.
This amount is made available in your account. It can be utilized through the various modes i.e. ATM, cheques, debit card purchases, online transfers, standing instruction payments etc.
OD validity is 12 months (from the date of setup). Based on the account performance and salary credits, the limit will be renewed after 12 months on application.
The best thing about Overdraft is that you will be charged interest only for the amount and the number of days it's used. In case you have not used the Overdraft amount granted, you will not be charged any interest.
For instance, your Overdraft limit is AED 10,000 and have utilized only AED 1,000 for 7days, at the rate of 18% p.a. (1.5% Per month), you will be charged approximately AED 3.45 interest for that month. (AED 1,000 x 18% / 365days * 7 days)
OD application can be done on the below channels.
OD application can be done on the below channels.
Once cash or salary is credited to the account, it will be considered as payment against OD.
Yes. Security Cheque is required if OD limit is less than AED 50,000, but if you have an existing personal loan with us, security cheque will be waived.
Yes. If you are working with non-listed employer, you can apply provided your salary is above AED 6,000, with a minimum length of service 6 months & having salary transfer relationship with Emirates NBD for minimum period of 6 months.
Secure your account with flexible Cash through OVERDRAFT
Start and grow your banking relationship today with the Best Retail Bank in the Middle East and get rewarded.
WHAT OUR CUSTOMERS SAY
"I got the loan very easily with minimum documents required"
"Basically I went to top up my personal loan. There was quite good cooperation from bank staff they told me what to do and time"
145K
Disbursed Loans
82
Happiness Score
145K
Disbursed Loans
82
Happiness Score
7-day Loan Return Option
Customers who are not satisfied after the personal loan is disbursed have the option to return the loan for free with the waiver of all fees and charges accrued. Following are the conditions:
Credit life Insurance (CLI)
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
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