Private Banking Savings Accounts

Standard Savings Account

Easy access to your savings with benefits

Our Standard Savings Account is available in UAE Dirhams only, it pays a competitive interest rate and gives you access to your savings whenever and wherever you need them. Its features also include:

0.20% annual interest on balances
Free international ATM/debit card
24-hour access by ATMs, phone (landline or mobile), and online
Payment facilities for telephone, electricity, Salik recharge, road fines and other bills

Required Documents

PromoCardWithHighlights Standard Savings Account

Manchester United Savings Account

You win with every goal

Celebrate your favourite team with the new Manchester United Savings Account available in UAE Dirhams only. Its unique ability to pay a higher interest rate every time your team scores a goal, plus a range of other benefits and rewards, make this a perfect match. Other features include:

Free international Manchester United debit card
24-hour easy access through ATMs, over the phone and online, and via branches and ATMs
Monthly statement
Bill payment facilities for telephones, electricity, Salik recharge, road fines and more

Required Documents

Smart S@ver Account

An online solution with higher rates and currency options

The Emirates NBD Private Banking Smart S@ver Account is designed for people who like to manage their account online. It offers a range of currency options, higher interest rates and easy to use management tools. Its features also include:

Interest rates calculated on daily balances, paid monthly

Telegraphic transfers also available, with cash pay in facility & CDM

No joint account permissible for Smart S@ver product

Available for AED, USD and GBP

Online transfers made simple

Online statement

No ATM or debit card

No cheque book

Interest rates

Tiered Savings Account

The more for more savings account

Like so many things in life, the more you put in the more you get out. Our Tiered Savings Account rewards you by offering a higher interest rate as your savings balance grows, as well as other benefits, which include:

Available in AED and USD
Free international ATM/debit card (only for AED accounts)
Monthly statement
No cheque book

Currency Passport Savings Account

Savings in a range of currencies, with extra services

One account to hold balances in different currencies. It offers attractive interest rates and allows you to pay your bills easily.

Available in AUD, BHD, CAD, CNH, GBP, HKD, JOD, KWD, OMR, SAR, SGD, USD
0.15% interest for select currencies
Transfers between Currency Passport Savings Accounts in different currencies permitted.
Bill payment facilities for a wide range of services, including telephone, electricity, Salik recharge, and road fines
Quarterly statement

PromoCardWithHighlights Currency Passport Savings Account

Skywards Savings Account

Savings that will take you places

The Skywards Savings Account allows you to save as well as gain Skywards miles. It includes a debit card and offers exclusive rewards and benefits whether you save or spend while on your travels.

Earn up to 5 Skywards Miles per US$1 spent on the debit card

Up to 0.25% interest on your savings account balance

Complimentary access to over 900 lounges worldwide via LoungeKey

Emirates Skywards Silver membership

Up to 50,000 bonus Skywards Miles

Know more

Mudaraba Savings Account

A profitable partnership to grow your savings

Mudaraba is a profit-sharing partnership contract in a joint investment that supports growth in your savings. It is a smart solution for individuals wishing to have their savings managed under a Shari'a-compliant structure. Other features include:

Available in AED and USD
Competitive profit rates
Minimum balance of AED 3,000
Profits paid quarterly
Minimum tenure of 30 days to receive profit
For individuals only

Plus Saver Account

Earn high interest rates on your online savings account

Make your savings work hard for you and enjoy higher interest rates that increase with higher balances.

Available in AED & USD currencies
Use Online Banking to transfer funds into the account
Enjoy flexibility of a savings account with high interest rates
No ATM card or Cheque book

Interest rates

PromoCardWithHighlights Plus Saver Account

Family Savings Account for UAE Nationals

One Savings Account for every member of your family

Imagine your family each having their own AED Savings Account with a free debit card, all held separately within one account. The Family Savings Account, exclusively for UAE nationals, offers just that, with higher interest rates based on the total of individual balances held. This unique account can be used by up to 10 immediate family members, and it also includes:

Available in AED only

Complete privacy for each account holder

Monthly statement

Free international debit card with offers on dining, shopping and travel

Bill payment facilities for telephones, electricity, Salik recharge, road fines and more

24-hour easy access through ATMs, over the phone and online, and via branches

Interest of up to 1.25% p.a. paid to each account holder on pooled balances maintained in family savings accounts based on their balances in the pool

Interest Rates

Interest rates

For AED

Balance	Interest Rate, % p.a.
Less than AED 25,000	0.00%
AED 25,000 to less than AED 100,000	2.00%
AED 100,000 to less than AED 2,000,000	1.25%
AED 2,000,000 and above	1.00%

For USD

Balance	Interest Rate, % p.a.
Less than USD 5,000	0.00%
USD 5,000 to less than USD 25,000	1.25%
USD 25,000 to less than USD 1,000,000	0.75%
USD 1,000,000 and above	0.50%

For GBP

Balance	Interest Rate, % p.a.
Less than GBP 5,000	0.00%
GBP 5,000 to less than GBP 25,000	0.75%
GBP 25,000 to GBP 1,000,000	0.50%
GBP 1,000,000 and above	0.40%

Note: No interest will be paid on balances in Smart S@ver - EUR

*Terms and Conditions apply. Interest rates are subject to change.

*Maximum number of withdrawals permitted for Smart S@ver accounts (AED, USD and GBP currencies) will be 2 (two) per month

*Transfers to own Smart S@ver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals

*In case the number of monthly withdrawals is more than the above permissible limits, the interest applied for the month will be 0.25% p.a.

Interest rates

Plus Saver AED

Balance	Base Rates, % p.a. (until 15 October 2023)	Promotional Rates % p.a. (effective from 1^st July 2024 to 30^th September 2024)
Less than AED 100,000	0.00%	0.00%
AED 100,000 to less than AED 1,000,000	0.50%	1.25%
AED 1,000,000 to less than AED 3,000,000	0.65%	4.00%
AED 3,000,000 to less than AED 10,000,000	1.00%	4.00%
AED 10,000,000 to AED 25,000,000	2.00%	4.00%
Above AED 25,000,000	0.50%	1.00%

Plus Saver USD

Balance	Interest Rate, % p.a. (Until 31 August 2022)	Interest Rate, % p.a. (effective 1^st September 2022)
Less than USD 25,000	0.00%	0.00%
USD 25,000 to less than USD 100,000	0.40%	0.40%
USD 100,000 to less than USD 1,000,000	0.50%	0.50%
USD 1,000,000 to less than USD 3,000,000	0.60%	0.75%
USD 3,000,000 to USD 5,000,000	0.75%	1.00%
Above USD 5,000,000	0.40%	0.40%

Terms and conditions apply

Interest calculation is based on Daily closing balances and is credited to account monthly.
A maximum of 2 withdrawals per month are permitted for Plus Saver Accounts.
Transfers to own Plus Saver accounts, Utility bill payments through Online Banking or Bank induced charges will not be considered as withdrawals. In case the number of monthly withdrawals is more than the permissible limits, the interest applied for the month will be calculated at the rate of 0.25% p.a.

Interest rates

Pooled balance slab in AED	Interest rates (p.a.)	Interest calculation based on	Interest Pay-out (credit to account)
Less than AED 350,000	0.25%	Daily closing balance, based on pooled balance	Monthly
350,000 to less than 1 Million	0.75%
1 Million and above	1.25%

*Note: Terms and Conditions apply. Interest rates are subject to change.

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