Free FX services

Enjoy a suite of free services that can help you meet your FX needs
Inward Telegraphic Transfer

Inward Telegraphic Transfer

Account to Account Transfer

Account to Account Transfer

Special Rate Deal Booking

Special Rate Deal Booking

Foreign currency cash via branches

Foreign currency cash via branches

Online FCY Remittances

Online FCY Remittances

DirectRemit

DirectRemit

Swift Message Copy

Swift Message Copy

FX Advisor Support

FX Advisor Support

Access to SmartDEAL platform

Access to SmartDEAL platform

Fixed Deposits & Foreign Currency Accounts

Managing your money with ease, whatever the currency

Emirates NBD Priority Banking offers you the choice of a convenient foreign currency current account or a higher interest deposit account to help you manage your funds in different currencies, together with a range of privileges to complete the ideal package for you.

Foreign Currency Current Account

An account that is as international as you

Designed to meet your needs across a wide spectrum of currencies, our Foreign Currency Current Account is convenient and easy to manage, with a range of privileges to enhance your experience no matter the currencies you need.

Currencies

Currency Passport Savings Account

The deposit account for different currencies

If you want to hold different currencies but in only one account, this is the right choice for you. It offers attractive interest rates and allows you to easily manage your bills and other payments. Its features also include:

  • Interest rate of 0.25% p.a. for selected currencies
  • Available in USD, GBP, AUD, CAD, SGD, HKD, JOD, KWD and LKR
  • Transfers between Currency Passport Savings Accounts in different currencies
  • Bill payment facilities across a wide range of services including telephone, electricity, Salik recharge, and traffic fines
  • Quarterly statements
  • No cheque book/ATM or Debit card

Currencies

Smart S@ver

The best of both worlds in one savings account

Emirates NBD’s Smart S@ver account gives you high interest rates as well as the online flexibility you prefer. It is available for individuals only in all the major currencies and offers competitive interest rates for higher balances. Its features also include:

  • Funds payable into the account via Online Banking and cash deposit machines
  • Account statement available via Online Banking
  • Interest rates subject to currency
  • Joint account are not permissible for Smart S@ver account
  • To encourage regular savings, no ATM card or cheque book is given with this account

    • Know more

    Fixed Deposit

    Higher interest available with one click

    You can enjoy market-leading interest rates on foreign currencies in a Fixed Deposit Account with Emirates NBD Priority Banking through Online Banking, which allows more flexibility than you would expect with a wide range of currencies available. Features include:

    • Minimum deposit of AED 10,000 (or equivalent)
    • Competitive interest rates (depending on currency and duration of deposit)
    • Flexible terms
    • Overdraft facility
    • Premature withdrawals allowed

    Know more

    DirectRemit

    Send money home in seconds

    We make sending money to your family back home as hassle free and reliable as we can for you. That is why we have developed DirectRemit, ensuring almost instantaneous transfers to six countries, free of charge.

    United Kingdom
    United Kingdom
    Features
    • 60 minute transfer 60 minute transfer to any other bank in the UK
    • 60 second transfer 60 second transfer to Lloyds Bank Accounts in GBP
    • Competitive exchange rates Competitive exchange rates compared to market offerings
    • Free Free Free transfers to any bank account in the United Kingdom

    Processing times

    • Same day processing for transfers made between 10:00am - 4:00pm (UAE time)
    • Next business day processing for transfers made after 4:00pm (UAE time)

    Credit time

    Credit to all bank accounts in the UK will be processed between 10:00am - 4:00pm, Monday - Friday

    GBP
    AED

    Exchange rate 1 AED = {0} {1}

    *Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

    Transfer now via Online Banking
    India
    India
    Features
    • Free Free Free transfers to any bank account in India with no additional correspondent bank fees
    • 60 second transfers 60 second transfers to HDFC, ICICI & SBI accounts
    • 60 minute transfers 60 minute transfers to any other bank in India
    • Competitive exchange rates Competitive exchange rates compared to market offerings
    • Available 247 Available 24/7 Round-the-clock service

    Processing times

    • Transfers to HDFC Bank, ICICI Bank & State Bank of India accounts will be processed within 60 seconds
    • Transfers to other Indian banks will be processed within 60 minutes if received during Reserve Bank of India's NEFT timings.
    • Transfers received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time)
    INR
    AED

    Exchange rate 1 AED = {0} {1}

    *Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

    Transfer now via Online Banking
    Pakistan
    Pakistan
    Features
    • Free Free Free transfers to any bank account in Pakistan with no remittance fees
    • 60 second transfers 60 second transfers to Faysal Bank accounts
    • 60 minute transfer 60 minute transfer to any other bank in Pakistan
    • Competitive exchange rates Quick compared to market offerings
    • Available 247 Available 24/7 Round-the-clock service

    Processing time

    • Transfers to Faysal Bank account will be processed within 60 seconds
    • Transfers to all other bank accounts in Pakistan will be processed within 60 minutes
    • Transfers received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time)

    List of banks you can transfer to in Pakistan

    IBFT & RTGS member Banks & Account Digit Specifications

    Bank Name

    Account No. Length

    Al Baraka Bank Limited

    13 Digit

    Allied Bank Limited

    13 Digit or 20 digit

    Askari Commercial Bank Limited

    13 Digit

    Apna Microfinance Bank

    16 digit

    Bank Al Habib Limited

    17 Digit

    Bank AlFalah Limited

    14 Digit or 12 Digit or 18 Digit

    Bank of Punjab

    17 Digit

    Bankislami Pakistan Limited

    15 Digit

    Burj Bank Limited

    16 Digit

    Dubai Islamic Bank Pakistan Limted

    10-Digit

    Faysal Bank Limited

    14 digit or 16 digit

    Habib Bank Limited

    14 Digit

    Habib Metropolitan Bank Limited

    19 digit

    JS Bank

    6 Digit

    KASB Bank Limited

    13 Digit

    Meezan Bank Limited

    14 Digit

    Muslim Commercial Bank

    16 digit

    National Bank of Pakistan

    16 digit

    NIB Bank Limited

    15 digit

    SAMBA BANK LIMITED

    10 digit

    Silk Bank

    14 Digit

    Soneri Bank Limited

    15 Digit

    Standard Chartered Bank

    11 Digit

    Summit Bank

    20 digit

    Sindh bank

    14 digit

    Tameer Bank

    15 Digit

    United Bank Limited

    16 Digit
    PKR
    AED

    Exchange rate 1 AED = {0} {1}

    *Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

    Transfer now via Online Banking
    Philippines
    Philippines
    Features
    • Free Free Free transfers to any bank account in Philippines with no remittance fees
    • 60 second transfers 60 second transfers to Banco De Oro and other participating banks*
    • 1 day transfers 1 day transfers to all other bank accounts in the Philippines
    • Competitive exchange rates Competitive exchange rates compared to market offerings
    • Available 247 Available 24/7 Round-the-clock service

    Processing time

    • Transfers to BDO (Banco De Oro) Bank accounts and other bank accounts** (transfer amount up to PHP 50,000), credit will be processed within 60 seconds
    • Transfers to all other bank accounts in Philippines will be processed within one working day
    • DirectRemit transfer requests received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time)
    **via InstaPay service
     
    *Participating banks for 60 second transfers

     

    Asia United Bank Corporation

    Land Bank of the Philippines

    RCBC Savings Bank, Inc.

    Bank of Commerce

    Malayan Bank Savings and Mortgage Bank, Inc.

    Rizal Commercial Banking Corporation

    Bank of the Philippine Islands

    Maybank Philippines, Inc.

    Robinsons Bank Corporation

    BDO Unibank, Inc.

    Metropolitan Bank and Trust Company

    Security Bank Corporation

    China Bank Savings, Inc.

    Philippine Bank of Communications

    Union Bank of the Philippines

    China Banking Corporation

    Philippine Business Bank, Inc., A Savings Bank

    United Coconut Planters Bank

    CTBC Bank (Philippines) Corporation

    Philippine National Bank

    Equicom Savings Bank, Inc.

    Development Bank of the Philippines

    Philippine Savings Bank

    Philippine Veterans Bank

    East West Banking Corporation

    Philippine Trust Company
    PHP
    AED

    Exchange rate 1 AED = {0} {1}

    *Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

    Transfer Now via Online Banking
    Sri Lanka
    Sri Lanka
    Features
    • Free Free Free transfers to any bank account in Sri Lanka with no remittance fees
    • 60 minute transfers 60 minute transfers to any other bank in Sri Lanka
    • 60 second transfers 60 second transfers to Hatton National Bank accounts
    • Competitive exchange rates Competitive exchange rates compared to market offerings
    • Available 247 Available 24/7 Round-the-clock service
    Processing time

    • Transfers and credit to HNB accounts will be processed within 60 seconds of the request.
    • Transfers to all other bank accounts in Sri Lanka will be processed within 60 minutes.
    • DirectRemit transfer requests received between 11:00 p.m. - 1:00 a.m. shall be processed by 8:00 a.m. (UAE time) 
    LKR
    AED

    Exchange rate 1 AED = {0} {1}

    *Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

    Transfer now via Online Banking
    Egypt
    Egypt
    Features
    • Free Free Free transfers to any bank account in Egypt with no remittance fees
    • 1 day transfers 1 day transfers to any other bank account in Egypt using online international transfer option
    • 60 second transfers 60 second transfers to Emirates NBD bank accounts in Egypt
    • Competitive exchange rates Competitive exchange rates compared to market offerings
    • Available 247 Available 24/7 Round-the-clock service

    Processing time

    • DirectRemit service to Emirates NBD Egypt accounts is available 24x7.
    • Transfer to other bank accounts in Egypt can be requested via regular SWIFT - International transfer option and processed within 1 working day, for requests received between Saturday - Thursday up to 2:00 p.m. (UAE time).

    Credit time

    • Credits to Emirates NBD bank accounts in Egypt will be processed within 60 seconds subject to details being in order.
    • Credit to other bank accounts in Egypt are processed via regular SWIFT International transfer option within 1 working day.
    EGP
    AED

    Exchange rate 1 AED = {0} {1}

    *Rates are applicable for Bank transfers only. Please contact your branch or Relationship Manager for latest rates.

    Transfer Now via Online Banking
    GlobalCash Card

    The Ultimate Travel Card

    Travelling is for focusing on exciting new experiences or important business objectives, not for worrying about the availability of the right currency. Emirates NBD’s GlobalCash Card gives you a choice of the top 15 global currencies and easy management tools. Its many other features include:

    • Pre-paid, so easy to keep track on expenditure and top up via Emirates NBD Branches, Cash Deposit Machines or via linked account on Online Banking
    • Select some or all of the available currencies
    • Multiple channels – Online Banking, GlobalCash Mobile App, automated phone response
    • Access to over 2.1 million ATMs worldwide with MasterCard® acceptance mark
    • Secured with Chip & PIN technology as well as 3-D Secure for internet transactions
    • Quick and simple cash reload through Emirates NBD Branches, Cash Deposit Machines, or linked accounts on Online Banking

    Know more

    Account to Account Transfer

    Instant transfers in any currency

    You can transfer money instantly, in any currency held by Emirates NBD, to your own accounts or other account holders within Emirates NBD just by using the destination account number. This service also features:

    • Free transactions
    • Destination account credited in its currency
    • Transfer by Phone Banking using 24-hour Call Centre hotline, 800456
    • Free SMS alerts
    • Transaction limit of AED 1,000,000 (unlimited, instant and free if done at any Emirates NBD branch), AED 100,000 through Phone Banking
    • Standing instructions available
    • Credit card payment option also available

    Video demonstration

    Telegraphic Transfer

    Send money anywhere through your preferred channel

    A telegraphic transfer is quick and easy with Emirates NBD, whether at home or abroad, and can be through whichever channel you prefer. For online and mobile activation, benefits include:

    • Transactions up to AED 400,000 daily
    • Available for both local and international transfers
    • Email confirmation
    • Instant beneficiary registration online
    • Standing instructions available
    • Same day processing for transfers made between 8 am - 4 pm Saturday – Thursday (next business day for transfers made after 4 pm and on Fridays)

    Know more

    Demand Draft

    Another easy option for cash transfer

    If you require a documentary transfer, you can purchase a demand draft from any of Emirates NBD’s branches or have it delivered by courier. Other features include:

    • Available for transfers of up to AED 100,000
    • 3 working days delivery
    • Help line number 800-100
    • Video demonstration of Demand Draft

    Know more

    Foreign Currency Cash

    Collect cash where and when you need it

    You can get foreign exchange at any of our branches or at our location at Dubai International Airport. Just call 04 316-0067 (branches 8am-5pm) or 800-3623 (airport 24/7) to arrange up to AED 50,000 (for Emirates NBD customers) in your choice of currency. Benefits include:

    • Preferential rates for Emirates NBD customers
    • Reduced risk of carrying currency
    • One stop destination for deposit & withdrawal
    • Currency delivered to most convenient branch within 24 hours
    • Withdrawal from your AED account at best possible market rate

    Know more

    Western Union

    Transfers via one of the world’s best

    If you want to send an instant transfer through one of the world’s most trusted agencies, our partnership with Western Union will always get the job done. This service is available through Online Banking and Mobile Banking App. Its features include:

    • More than 500,000 agent locations in 200 countries and territories worldwide
    • Pre-registered* beneficiaries required (registration through an Emirates NBD Branch, Online Banking and Mobile Banking App)
    • Available for individual customers only
    • Transaction limit of AED 25,000 (or equivalent) per transaction

    As per Western Union guidelines, please be advised that starting from 6th August, 2020 recipients in Lebanon are subject to pay an additional 2% cash handling fee (on the sent principal amount). This will be collected by agents in Lebanon and will be deducted from the principal amount at payout, for transactions paid in USD

    FX Forwards and Options

    Manage your wealth using foreign exchange

    As a more sophisticated investor you may wish to use Forward Contracts or Currency Options on foreign exchange to benefit from currency movements.

    Forward Contracts are an agreement between you and the Bank to buy or sell a specified amount of foreign currency at a rate agreed today for delivery on a specified date in the future. The benefits of this are:

    • Fixed exchange rate at which you may buy or sell a certain amount of currency
    • Plan for future currency needs
    • Hedge against adverse foreign exchange movements
    • Wide list of currencies available
    • Certainty of cash flow

    FX Forwards and Options Features

    Locking in your best rates

    Currency Options provide the right to certain protection at a specified foreign exchange rate on a specific forward date, but with the flexibility of choosing to opt for a spot deal. It works exactly like an insurance policy, in that you pay a premium for the protection you want on an FX rate. Its features include
    Available in any currency pair where there is a forward market
    No obligation to deal at your protected rate – you can withdraw from the deal at maturity or transact in the spot market if the rate moves in your favor
    Full protection against adverse currency movements

    Additional guidelines & terms related to remittances

    Please find below the applicable terms and related customer notifications for processing of various FX transactions across Emirates NBD services and channels.

    Know more

    Talk to us

    Take a moment to arrange a complementary consultation with one of our wealth advisors today.

    Contact us

     

    What are people asking?

    Priority Banking is another tier of banking facilities provided to our customers requiring greater financial services.

    Being a Priority banking customer, you are entitled to whole wide range of privileges. Below are the perquisites that we offer you:

    • You get a dedicated relationship manager to understand and assist you with all your financial needs
    • Investment advisors having in depth knowledge of local and regional markets
    • Free international cash withdrawals with your Emirates NBD Visa Signature card
    • No fall below balance fee
    • Free Standing instructions
    • 15 free monthly teller transactions
    • Free foreign exchange transactions through our online banking and branches
    • Preferential prices on loans and other products
    • Unlimited cheque books
    • Free statements

    Emirates NBD Visa Signature debit card is specially designed for our Priority banking customer offering some exceptional and unique benefits in the region.

    Emirates NBD Visa Signature debit card offers you some unique benefits listed below:

    • Up to 10 Free international cash withdrawals per annum for withdrawals above $200
    • Unlimited access to over 900 premium airport lounges in more than 300 cities worldwide
    • Complimentary travel insurance up to USD 500,000
    • Contactless payments
    • Complimentary Global Concierge Service
    • 20% off at Roxy Cinemas
    • Extended warranty and purchase protection
    • Visa global emergency services
    • Up to 10 supplementary cards, in addition to the primary benefits
    • Up to 20% discount at 200 airport restaurants in key MENA regions
    • 12% discount at Agoda hotels

    You can always sign up for Emirates NBD priority banking by opting one of the below options.

    • By depositing or investing an amount of AED 500,000 or more
    • By transferring your salary of AED 50,000 or more to Emirates NBD
    • By availing a home loan of AED 3 million or more

    Priority Banking is another tier of banking facilities provided to our customers requiring greater financial services.

    Being a Priority banking customer, you are entitled to whole wide range of privileges. Below are the perquisites that we offer you:

    • You get a dedicated relationship manager to understand and assist you with all your financial needs
    • Investment advisors having in depth knowledge of local and regional markets
    • Free international cash withdrawals with your Emirates NBD Visa Signature card
    • No fall below balance fee
    • Free Standing instructions
    • 15 free monthly teller transactions
    • Free foreign exchange transactions through our online banking and branches
    • Preferential prices on loans and other products
    • Unlimited cheque books
    • Free statements

    Emirates NBD Visa Signature debit card is specially designed for our Priority banking customer offering some exceptional and unique benefits in the region.

    Emirates NBD Visa Signature debit card offers you some unique benefits listed below:

    • Up to 10 Free international cash withdrawals per annum for withdrawals above $200
    • Unlimited access to over 900 premium airport lounges in more than 300 cities worldwide
    • Complimentary travel insurance up to USD 500,000
    • Contactless payments
    • Complimentary Global Concierge Service
    • 20% off at Roxy Cinemas
    • Extended warranty and purchase protection
    • Visa global emergency services
    • Up to 10 supplementary cards, in addition to the primary benefits
    • Up to 20% discount at 200 airport restaurants in key MENA regions
    • 12% discount at Agoda hotels

    You can always sign up for Emirates NBD priority banking by opting one of the below options.

    • By depositing or investing an amount of AED 500,000 or more
    • By transferring your salary of AED 50,000 or more to Emirates NBD
    • By availing a home loan of AED 3 million or more

    Please click here to view the schedule of fees and charges for Emirates NBD Priority banking.

    Demand draft is a process you can opt in order to transfer funds from your bank account to another account.

    You can apply for a demand draft using any of the below channels:

    • Online Banking
    • Phone Banking
    • Emirates NBD Branches

    You are required to submit a duly signed and filled Demand draft form.

    In case you have any query or complaint related to your Demand Draft, please contact our 24/7 customer service center at 600 540000 and enjoy friendly service with personal touch from our Phone Banking Officers.

    For information related to fees and charges, please click here and refer to Emirates NBD's schedule of fees and charges.

    You can transact up to AED 100,000 using our Demand draft facility.

    Yes, Emirates NBD Demand draft feature is available for both local and international transfers.

    You can visit your nearest Emirates NBD branch to receive your Demand draft, or to make it more convenient for you, we can send it to you via courier.

    You can receive your Demand draft within 3 working days from the date of request submission if you choose to obtain one using our Online banking or Phone banking. However If you wish to receive your Demand draft immediately, please visit your nearest Emirates NBD branch.

    The exchange rate on the date of transaction will be applicable on your purchase.

    No, the beneficiary is not necessarily required to be an Emirates NBD customer.

    For information related to Demand draft cancellation charges, please click here and refer to Emirates NBD's schedule of fees and charges.

    Demand draft for below currencies can be issued at all Emirates NBD branches.

    • Bangladesh Taka
    • Bahraini Dinar
    • Indian Rupee
    • Jordanian Dinar
    • Kuwaiti Dinar
    • Moroccan Dirham
    • New Zealand Dollar
    • Pakistan Rupee
    • Qatari Rial
    • Omani Rial
    • Saudi Riyal
    • Sri Lankan Rupee

    Demand draft for below currencies can be issued at selected branches cited below.

    • Australian Dollar
    • Canadian Dollar
    • Danish Krone
    • Euro
    • Hong Kong Dollar
    • Japan Yen
    • Norwegian Krone
    • Swedish Krona
    • Singapore Dollar
    • Swiss Franc
    • United States Dollar
    • UK Pound Sterling

    Selected branches

    • Head office Branch
    • Deira Branch
    • Souq Branch
    • Al Makthoum Road Branch
    • Jebel Ali Branch
    • Qusais Branch
    • Jumeirah Branch
    • Tourist club Branch, Abu Dhabi
    • Fujairah Main
    • Ajman Main Branch
    • Al Ain Branch
    • Ras al Khaimah Branch
    • Al Taawun Branch

    Below are the available currencies for Demand drafts at Emirates NBD Online banking.

    • Australian Dollar
    • Bahraini Dinar
    • Bangladesh Taka
    • Canadian Dollar
    • Danish Krone
    • European Union Euro
    • Hong Kong Dollar
    • Indian Rupee
    • Jordanian Dinar
    • Japan Yen
    • Kuwaiti Dinar
    • Moroccan Dirham
    • Norwegian Krone
    • New Zealand Dollar
    • Pakistan Rupee
    • UK Sterling Pound
    • Qatari Rial
    • Omani Rial
    • Saudi Riyal
    • Singapore Dollar
    • Sri Lankan Rupee
    • Swiss Franc
    • Swedish Krona
    • United States Dollar

    Currently you can avail our Demand draft service in altogether 34 currencies. However it depends on the channel you wish to choose among Online banking, Phone banking, or Branches. Please refer to the currencies mentioned above.

    Below are the available currencies for Demand drafts at Emirates NBD Phone banking.

    • Australian Dollar
    • Bahraini Dinar
    • Bangladesh Taka
    • Canadian Dollar
    • Danish Krone
    • Egyptian Pound
    • European Union Euro
    • Hong Kong Dollar
    • Indian Rupee
    • Jordanian Dinar
    • Japan Yen
    • Kenyan Shilling
    • Kuwaiti Dinar
    • Moroccan Dirham
    • Malaysian Ringgit
    • Norwegian Krone
    • New Zealand Dollar
    • Pakistan Rupee
    • Philippine Peso
    • UK Sterling Pound
    • Qatari Rial
    • Omani Rial
    • Russian Ruble
    • Saudi Riyal
    • Singapore Dollar
    • Sri Lankan Rupee
    • South African Rand
    • Swiss Franc
    • Swedish Krona
    • Tunisian Dinar
    • Thailand Baht
    • United States Dollar
    • Yemeni Rial
    • Yuan Renminbi

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