Minimum age
21 years
Emirates NBD Current Account
A day-to-day current account with a free debit card, cheque book, and fee-free 60-second international transfers to home accounts via DirectRemit.
At a glance
Key facts
Monthly Fee
AED 26.25/month below AED 3,000
Minimum Salary
No minimum salary
Minimum BalanceAED 3,000
InterestNo interest paid
The Emirates NBD Current Account is the bank's standard account for everyday money. Your salary comes in, and you pay, transfer and withdraw from it. The standard account is held in dirhams and comes with a debit card and a cheque book. A separate foreign currency version exists, without a card or cheque book.
The account pays no interest, so it is a place to run your month from and not a place to grow savings. For a return on money you leave untouched, the Emirates NBD Savings Account can sit alongside it.
Who can open it
Residency
UAE resident
Minimum salary
No minimum
Salary transfer
Not required
Any employment status
Salaried, non-salaried, and self-employed individuals can apply
Fees and balance
The charge to watch is AED 26.25 a month. Emirates NBD applies it in a month when your average balance for that month is under AED 3,000. The test is the average across the month, not the lowest day.
Two groups do not pay it: customers on the Emirati package, and customers whose salary is paid into the account, on every package except Personal Banking Classic. Closing the account within 6 months of opening costs AED 105, which matters if you only need an account for a short stay.
Minimum balance
AED 3,000
Monthly fall-below fee
AED 26.25
How to avoid the monthly fee Meet any one of these conditions.
- Keep a balanceAverage monthly balance of AED 3,000 or more
- Emirati packageYou are on the Emirati package
- Salary variantYou are a salary-variant customer in a package other than Personal Banking Classic
Account closure within 6 months of opening
AED 105
In plain words
- Fall-below fee
- A monthly charge for holding less than the balance the bank asks for. Here it is AED 26.25, charged in a month when your average balance for the month is under AED 3,000. The average is taken over every day of the month, so a few low days do not trigger the fee on their own. It is not charged in a month when you stay at or above that amount. More on this
Benefits
Free Debit Card & Cheque Book
Complimentary debit card with cheque book facility
DirectRemit
Fee-free international transfers in 60 seconds
Foreign Currency Account Option
The standard account is in AED, with a separate foreign currency account
Digital Banking
Full account access via mobile and online banking
Cheque book available
Cheque book
How to open
Before you apply
1.Open in the app.
2.No minimum salary.
3.Salary transfer is not required.
4.Minimum balance: AED 3,000.
5.Debit card included.
Application steps
1.Visit the Emirates NBD account opening portal or mobile app
2.Provide personal and employment details
3.Upload your Emirates ID and supporting documents
4.Complete identity verification
5.e-Sign the account opening form
6.Set up online and mobile banking credentials
Good to know
Good option for
Residents who want one main account for salary, bills and cheques, and who either have their salary paid into it or keep an average of AED 3,000 in it.
Consider another account if
You want your balance to earn a return, or you expect to keep less than AED 3,000 in the account with no salary coming in. The no minimum balance accounts page lists accounts without that requirement.
If a cheque is returned unpaid
Each returned cheque costs AED 105. Under UAE Central Bank instructions, the bank closes the account and adds it to the blacklist if 4 cheques are returned unpaid for insufficient balance within one year.
Frequently asked questions
Get answers to common questions about the Emirates NBD Current Account
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AED + foreign currencies
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