Emirates NBD Bank Salary Account in UAE

With different types of Emirates NBD bank accounts, you can easily pick one that matches your specific needs to efficiently manage your funds. Additionally, you can enjoy exciting credit card offers and more perks like free debit card, chequebooks, teller transactions, and insurance coverage. 

Types of Emirates NBD Salary Accounts in the UAE 

There are 3 major types of Emirates NBD Salary Accounts —

1. Standard Current Account

A current account is designed for everyday transactions. Typically, these accounts don’t earn interest or offer very low interest rates compared to savings accounts.

2. Special Current Account

This account is tailored for those who transfer their salary to Emirates NBD. It allows you to earn interest in multiple currencies and offers exclusive benefits for salary transfers.

3. Islamic Current Account 

This Emirates NBD bank account is based on the Qard Hassan principle that provides a Sharia-compliant banking solution. Unlike conventional accounts that earn interest, this account does not generate any profit payments, aligning with Islamic banking principles.

Here are the key features and benefits of all these accounts —

Account Type	Standard Current Account	Special Current Account	Islamic Current Account
Transfers	60-second transfers with DirectRemit	N/A	60-second transfers with DirectRemit
Savings on Debit Card Deals	Up to AED 4,000	N/A	Up to AED 4,000
Account Opening Fees	No fees	No fees	No fees
Supported Currencies Besides AED	USD, CAD, AUD, SGD, JOD, KWD, SAR, QAR, OMR, BHD, and SAR	Only in AED or USD	AED and USD
Teller Transactions  (based on banking package)	Up to 10 free transactions per month	Up to 10 free transactions per month	Up to 10 free transactions per month
First Chequebook	Free	Free	Free
Eligibility	Salaried, non-salaried, and self-employed individuals can apply	Exclusive for employees of select companies	UAE citizens/residents
Minimum Balance Requirement	AED 3,000 minimum balance and salary	N/A	AED 3,000 minimum balance and salary
Interest Rate	N/A	0.1% p.a. (calculated daily)	N/A

Emirates NBD Bank Salary Account Benefits

Choosing an Emirates NBD bank account for salary means getting exceptional service and innovative tools designed to meet your financial needs effectively.

Here are some more benefits that the Emirates NBD salary account offers across various packages —

Features	Beyond Package	Plus Maximiser
Minimum Balance	AED 15,000 to AED 49,999	AED 5,000 to AED 14,999
Cards	5 additional debit cards + a free card Choose 5 credit cards	Free debit card +5 supplementary cards Option to choose 5 credit cards
Other Benefits	Beyond deals provide rewards up to AED 50,000 Up to AED 5,000 in rewards for loans Free, limitless international remittances 15 monthly cash back rewards worth AED 2,000	Incredible credit card promotions Monthly winners get an AED 500 reward  8 free teller transactions each month Free insurance coverage of AED 100,000

Emirates NBD Bank Salary Account Opening Requirement

Here are the eligibility requirements for the mentioned Emirates NBD accounts —

Account Type	Standard Current Account	Special Current Account	Islamic Current Account
Minimum Balance Requirement	AED 3,000 minimum balance and salary	N/A	AED 3,000 minimum balance and salary

Note that the package eligibility varies based on minimum salary requirements —

Package	Minimum Salary Requirement
Classic Package	No specific requirement
Plus Package	AED 5,000
Persona Banking Beyond/UAE National	AED 15,000
Priority Banking/Priority UAE National	AED 50,000

Documents Required for Emirates NBD Salary Account Opening Online 

The following documents may be required to open an Emirates NBD bank account —

For UAE Nationals

Category	Documents Required
Identification	Emirates ID  Copy of your passport
For Salary Transfer Accounts	Copy of your Labour Card Copy of your Employee ID Latest salary letter

For Expats

Category	Documents Required
Identification	Emirates ID (original and a copy) Copy of your passport
For Salary Transfer Accounts	Salary transfer letter (issued in the last 30 days for non-government companies) Recent payslip Previous month’s salary statement Appointment letter or contract copy Consolidated HR letter with employee salary details
For Multiple Accounts	HR consolidated letter (with each employee's pay included)

Non-Residents

Category	Documents Required
Identification	Passport and a copy with visa page One of the following documents — Reference letter from a banker in your home country, confirming a minimum 12-month relationship and including your residential address as per bank records Utility bill (no older than 3 months) Bank statements (no older than 3 months)

GCC Nationals

Category	Documents Required
Identification	Copy of Passport or UAE National ID
For Current or Checking Accounts	Any one of the following documents — UAE National ID Letter from employer Copy of recent telephone or electricity bill (not more than 3 months old) Tenancy contract in your name Copy and Original Labour Card  Copy and Original Work Permit

How to Open Bank Account in UAE for Salary Online?

By following the steps below, you can easily open an Emirates NBD account in UAE with Policybazaar.ae —

• Step1- Visit policybazaar.ae 
• Step2-Click on the Banking Products in the main menu
• Step3-Select Open Bank Account from the drop-down
• Step4-Select the type and proceed
• Step5-Fill out the necessary fields and select a relevant account
• Step6-Complete the application and click on Apply

For further assistance, you can get in touch with our customer service representatives.

Emirates NBD Salary Account Opening Fees and Charges

Here are the fees and charges that may apply as per the package —

Charge (Inclusive of VAT)	Classic	Plus/Youth Package	Go4it/Ladies Banking (Homemaker)/Plus Maximiser	Executive/Man Utd Beyond/UAE National Package
Minimum Monthly Average Relationship Balance	AED 3,000	N/A	N/A	N/A
Minimum Monthly Salary Transfer	NA	AED 5,000	AED 5,000	AED 15,000
Monthly Maintenance Fees (Exempted if maintaining prescribed balance)	AED 26.25	AED 26.25	AED 26.25	AED 26.25
Cancellation of Demand Draft / Manager’s Cheque	Free	Free	Free	Free
Account Opening Fee	Free	Free	Free	Free
Debit Card Replacement Fee	AED 26.25	AED 26.25	AED 26.25	AED 26.25

Frequently Asked Questions