• How can I open an Account?

  It's easy to start an Emirates NBD Account. Simply visit any of our branches or visit our website and get our representative to contact you. Your Account will be opened within two working days.

• What information/ documents do I need to provide to open an account?

  Documents required for individuals*:

  • Copy of passport(s) and original passport(s) for validation
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    • Appointment Letter / Contract Copy
    • Pay slip (< 3 month old)
    • Consolidated letter from HR for bulk accounts
    • Most recent statement of account where customer's salary is being transferred

  Documents required for non-individuals*:

  • Commercial/Federal registration certificates (wherever applicable)
  • Certificate of commencement of business (for Joint Stock Companies)
  • Not applicable for company under formation
  • Power of Attorney, if applicable
  • Passport copies of the authorized signatories
  • BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
  • Memorandum and Articles of Association to ascertain the period of company
  • For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

  *additional documents may be required as per Bank policy

• How do I update my registered address on the Account(s)?

  Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch

• How do I update my mobile number on the Account(s)?

  You can easily update your mobile number through our Mobile App or any of our ATMs.

  How to update your mobile number through the Mobile App:

  Login > select Security Centre > select Mobile Number Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your mobile number through an ATM:

  Go to Main Menu > Select Requests > Select Mobile Number Update

• How do I update my registered email address on the Account(s)?

  You can easily update your Email Address through our Mobile App or any of our ATMs.

  How to update your Email Address through the Mobile App:

  Login > select Security Centre > select Email Address Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your Email Address through an ATM:

  Go to Main Menu > Select Requests > Select Email Address Update

Show More

• How can I open an Account?

  It's easy to start an Emirates NBD Account. Simply visit any of our branches or visit our website and get our representative to contact you. Your Account will be opened within two working days.

• What information/ documents do I need to provide to open an account?

  Documents required for individuals*:

  • Copy of passport(s) and original passport(s) for validation
  • Sponsor's letter of no objection
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    • Appointment Letter / Contract Copy
    • Pay slip (< 3 month old)
    • Consolidated letter from HR for bulk accounts
    • Most recent statement of account where customer's salary is being transferred

  Documents required for non-individuals*:

  • Commercial/Federal registration certificates (wherever applicable)
  • Certificate of commencement of business (for Joint Stock Companies)
  • Not applicable for company under formation
  • Power of Attorney, if applicable
  • Passport copies of the authorized signatories
  • BOD resolution specifying the titles/designations of officials authorized to open/operate the account and the extent of their authority and the manner to operate the account
  • Memorandum and Articles of Association to ascertain the period of company
  • For public shareholding companies – a list of names and addresses of shareholders where share holdings exceed 5% shall also be submitted

  *additional documents may be required as per Bank policy

• How do I update my registered address on the Account(s)?

  Registered address can be updated by logging on to Online Banking, contacting your relationship manager or visiting a branch

• How do I update my mobile number on the Account(s)?

  You can easily update your mobile number through our Mobile App or any of our ATMs.

  How to update your mobile number through the Mobile App:

  Login > select Security Centre > select Mobile Number Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your mobile number through an ATM:

  Go to Main Menu > Select Requests > Select Mobile Number Update

• How do I update my registered email address on the Account(s)?

  You can easily update your Email Address through our Mobile App or any of our ATMs.

  How to update your Email Address through the Mobile App:

  Login > select Security Centre > select Email Address Update

  You will be asked to authenticate this request with your Smart Pass Pin.

  How to update your Email Address through an ATM:

  Go to Main Menu > Select Requests > Select Email Address Update

• How do I change my name on the Account(s)?

  You can change the name on your account by visiting the nearest Emirates NBD branch with the following documents:

  • Original Passport
  • Emirates ID

  Kindly note if it is a company account, please get the attested or original Trade License

• How do I update the signature on my account(s)?

  Your signature for the account can be updated by visiting a branch

• How do I add or remove a joint account holder on my account(s)?

  To add or remove a joint account holder, both the parties must visit an Emirates NBD branch with the following documents :

  • Original passport of both parties
  • Emirates ID of both parties

  Please note: Khulasat-Al Qaid is also accepted for UAE nationals

• Can I open an account for my children (below 18)?

  The account will be setup as a Minor account for any person below the age of 18 as per the Gregorian calendar. The guardian needs to visit a branch with all the documents of the guardian and child, required for account opening. The Minor need not visit the branch. Only a Savings account can be opened for Minors. A debit card can be issued in the name of the guardian. Cheque books are not issued for Minor accounts.

• How do I add a Power of Attorney (POA) holder to my Account?

  To add a Power of Attorney holder, please visit a branch with a Dubai Courts notarized POA

• What are the options available to view my Account balance and statements?

  Account balances and statements can be viewed through online banking and Mobile banking. Mini statements can be obtained through ATMs and IVR. If you have registered your email address with the bank, the e-statement will be sent to your mailbox periodically depending on your statement generation cycle. Statements can also be requested for at a branch or through a call center agent for which there will be a nominal fee levied.

• How do I request for a duplicate statement for my account?

  Statements can be downloaded free through online banking and also through IVR. You can also request for duplicate statements at a branch or through a call center agent for which there will be a nominal fee levied.

• How is my average monthly balance calculated?

  Average monthly balance calculation is a function of balance maintained in the account calculated over period of days the balance is maintained. Average balance is calculated at customer level; hence the balance in Current, Savings and Fixed Deposit accounts will be considered to compute the average balance. E.g. If you maintain AED 5,000 in your account from the first day of the month till the last day of the month, then average balance will be AED 5,000 for that calendar month. If you maintain zero balance for first 15 days and maintain AED 10,000 for the next fifteen days, the average balance will also be AED 5,000 for that calendar month.

• Am I eligible to request for a cheque book?

  Current account holders are eligible for a cheque book. First cheque book on account opening is free; on subsequent requests for cheque books, charges are levied as per schedule of charges.

• How do I request for a cheque book?

  Cheque book can be requested through online banking, mobile banking, ATMs and branches.

• How can I place a stop payment on my cheque?

  To place a stop payment on a cheque which is not yet presented, you need to visit a branch and submit a formal request. Instructions for stop payment of cheques is accepted in the following conditions only:

  • If the cheque/ cheque book is lost or stolen. A police report needs to be presented in case of lost/ stolen cheque.
  • The bearer of the cheque has become bankrupt/ insolvent. A court order is required providing insolvency/ bankruptcy of the bearer.

   

• How do I close my Account?

  For account closure, you need to visit a branch to submit the request for closing the account.

• What will happen to my Direct Debits and Standing orders when I close my account?

  Direct debits and standing instructions will be cancelled on closure of the account. In case of an active loan with direct debit setup, the account cannot be closed till an alternate payment mode is arranged or the loan is settled.

• I have Credit Cards/ Personal Loan/ Auto Loan/ an Overdraft as well, do I need to close these if I am submitting a request to close my account?

  On account closure, Credit Card can continue to be active. For Loans and Overdraft, alternate payment mode has to be arranged, for which has to be discussed and agreed with the bank's representative and the decision taken will solely be based on bank's discretion

• Do I need to submit my unused cheques/ cheque book/ Debit Card when I close my account?

  On account closure, unused cheques and Debit Card have to returned to the bank as a best practice. In case of inability to submit, the remaining cheques and the Debit Card will be de-activated as part of closure process.

• How will I know when my account is closed?

  On account closure, online banking account status will be shown as closed. Alternatively, you can request the bank for a closure confirmation.

• If I have a credit balance in my account, how can I receive my funds?

  You can transfer the credit balance to another bank account. Alternatively, you can request the bank to send a manager's cheque to your registered mailing address after netting off all dues to the bank.

• Are there any requirements to apply for a Liability / No Liability letter?

  Yes, you will have to submit the requisite form(s), duly completed to apply for a No Liability Letter. On a case to case basis, other documents might be requested through the branch.

• What are the steps to apply for a Liability/ No Liability Letter ?

  You can submit the application for Liability / No Liability Letter at your nearest Branch, Call Center OR through Online banking. On successful completion of your application, you will be provided with a reference number to track your request.

• What is the difference between a Clearance Letter and a No Liability Letter?

  Clearance Letter states that a specific liability has been cleared while a No Liability Letter states the customer has no existing liabilities.

• Do I have to pay any charges for Liability / No Liability letter?

  Yes, a fee of AED 50, as outlined in the Schedule of Fees and Charges on Bank's official website is applicable.

• What is the time frame to process and issue a Liability / No Liability Letter request?

  Liability / No Liability Letter will be issued within the bank's defined service standard of 7 (seven) business days.

• How will I know that the Liability Letter / No Liability Letter is ready?

  As soon as the letter is ready, you will receive an intimation message on your registered mobile number.

• Where can I collect the Liability / No Liability Letter once it is ready?

  The letter can be collected from the nearest branch based on your convenience, except mall branches. Click here for branch locations.

• What is the validity of the Liability / No Liability Letter?

  Liability / No Liability Letter is valid for 15 days from the date of issuance

• What is a Skywards savings account and Visa debit card?

  The new Emirates NBD Skywards savings account and Visa debit card is one-of-a-kind program and a market first and offers the highest Skywards miles earning in UAE. The product also comes packed with travel and lifestyle benefits to best suit the frequent traveler's lifestyle.

• I am an existing customer, how can I sign up for a Skywards savings account and Visa debit card?

  You can contact your relationship manager to open a Skywards Savings Account and Visa Debit Card. Alternatively, you can call our 24/7 call center 600 54000 or visit any of our branches.

• What is the minimum average monthly balance required to be eligible to open a Skywards savings account?

  The minimum average monthly balance required is AED 500,000.

• What benefits do I get with my Skywards savings account and Visa debit card?

  The new Emirates NBD Skywards Savings Account and Visa Debit Card offers a wide range of benefits.

  • You can earn up to 5 Skywards miles per USD equivalent spend on the Debit Card
  • You get a complimentary Emirates Skywards silver membership
  • You get complimentary access to 900+ airport lounges worldwide via LoungeKey
  • Up to 0.25% interest p.a. on the Savings Account balance
  • You can share the savings with the supplementary cards and earn Skywards miles on the spend
  • If you book your ticket with your debit card and get covered up to US $500,000 for travel accident and travel inconvenience on all trips up to 90 days.
  • You can get an additional warranty period of up to 1 year from the end of manufacturer warranty for items purchased with the Visa Debit Card
  • International Medical & Travel assistance Service helps you and your immediate family when you are travelling together to a location outside of your principal country of residence for up to 90 days. Services such as medical telephone advice, putting you in touch with a local medical service provider
  • Purchase protection covers theft or accidental damage of articles purchased with your Visa Debit Card

   

• I am an existing customer, will I be eligible for the benefits of Skywards Savings Account and Visa Debit Card if I transfer the minimum balance required from an existing account?

  Yes, as long as you meet the minimum AED 500,000 account opening balance criteria in the Skywards Saving Account, the benefits will be available. You can transfer from existing account to Skywards Savings Account or bring in additional AED 500,000.

• Can I link my Skywards Visa debit card to my existing non Skywards savings account?

  No, the Skywards Visa debit card can be linked only to your Skywards savings account.

• What are the fees associated with my Skywards savings account?

  Joining fee of AED 2,500 in for the first year and monthly fee of AED 200 from 2nd year of account opening onwards.

• I am an existing Skywards credit card holder, do I still need to provide my Skywards number?

  Yes, you are required to provide your Skywards number.

• When will my bonus miles get credited to my Skywards savings account?

  Initially 25,000 miles will be credited to your Skywards Savings Account, 45 days after the joining fee of AED 2,500 is paid. Another 25,000 miles will be credited 45 days after the average balance in the account is more than AED 750,000 on the 3rd month of account opening.

• Can I open the Skywards savings account in a foreign currency?

  No, you can only open a Skywards account in UAE dirham.

• In case I have a supplementary Visa debit card, where will the miles go to?

  All miles earned by primary and supplementary will go to the Skywards savings account of the primary debit cardholder.