Opening a bank account in Dubai is no big deal. It can be done in a few simple steps. You just need to choose which type of account you want. Emirates NBD provides various savings and current accounts. Choose one among those and provide certain required documents.

Few simple steps which you need to follow to open an account in Emirates NBD are

Type of Account

Before you understand how to open an account in Emirates NBD, you should know which type of account you are looking for i.e a Savings account or a Current account. There are different kinds of accounts you can go for.

Savings Account

Emirates NBD provides various kinds of savings account. Here’s a glimpse of each account

  • Standard Savings account – This is the standard account which provides 0.25% of interest on the account balance with a free Emirates NBD debit card.
  • Tiered Savings account – Tiered account provides 0.25%-0.75% interest on savings balance maintained in the account. The interest rates depend on the account balance.
  • Smart Saver account – Emirates NBD Smart Saver account is meant purely for savings, so no debit card or checkbook is provided. The interest rates provided are 0.75%-1.25% p.a.

Apart from these, there are few more savings accounts like Shake n Save account, Fitness account, etc. by Emirates NBD on good interest rates. 

Check: Best Child Savings Account in Dubai

Current Account

There are different kinds of current accounts to put your earnings into and spend when required.

  • Standard Current account – This is the standard current account which is provided with the basic features and facilities like a checkbook, Emirates NBD debit card.
  • Special Current account – Emirates NBD provides a special current account which is particularly meant for the salaried individuals. This provides interest of 0.25%(p.a) on the balance maintained with additional benefits like a free checkbook and international debit card. 

Other than these there are few other current accounts provided by Emirates NBD.

How to Open an Account in Emirates NBD?

Emirates NBD makes it simple for the customers to open an account. You can open an account online or by visiting the bank.

Open an account by visiting the bank- 

  • Visit Emirates NBD bank with the required documents
  • Get an account opening application form once you have decided the account type
  • Submit the application form along with the required documents

Open a bank account online-

  • Visit Emirates NBD website and fill the online application form
  • The customer care executives will call you and get your account opening done.

It would take maximum 48 hrs to get your account at Emirates NBD activated. Once the account is activated, fund your account with the initial deposit required. 

Documents required

Once you are done with choosing an account type then check the documents to be submitted. The basic documents required for a savings/current account is similar. The documents required vary for UAE nationals, expats and non-residents. 

For UAE nationals- 

  • Photocopy of passport
  • Salary certificate(for salaried individual)
  • Emirates ID
  • Labour Card
  • 3 Months bank statements(Where the salary is transferred)
  • Trade license (for self-employed)

For Expats-

  • Photocopy of passport
  • Salary certificate(for salaried individual)
  • Emirates ID
  • Residence Visa
  • 3 Months bank statements(Where the salary is transferred)
  • Trade license (for self-employed)

For Non-Residents-

  • Passport
  • Visit visa
  • Utility bills
  • Last 3 months bank statements
  • Reference letter from bankers at home country

Apart from these, the bank may ask for additional documents depending on the applicant’s profile.

Benefits of having an Account at Emirates NBD

  • Various types of accounts are provided which will be easy for the customers to select according to their preferences
  • No age restriction
  • Can get a joint account if one of the account holders is below 18yrs
  • Competitive interest rates
  • Quick processing
  • No charges for account opening
  • Free Emirates NBD debit card and cheque book

To open a bank account in Dubai, one needs to have proper documents and be eligible for the respective account. Applicants need to make sure they select a proper account and maintain minimum balance which varies with the account opted. If you want to get a bank account without minimum balance you can pick those accounts accordingly.  

Rather than having cash in your pockets it is better to put it in a bank account which is safe and can generate some profit on idle cash. Having a bank account will help you manage your cash better by not letting you make unnecessary expenses.

Read: Why Financial Planning is Important?

Meet the author
Website | + posts

Nikitha is a Senior Analyst at She has been writing about personal finance, credit cards, mortgage, and other personal finance products in the UAE. Her work on Mortgage loans has been featured by the GulfNews and other popular Financial Blogs in the UAE.

Ask questions and share your comments

We encourage our users to have discussion on questions they might have on financial products and help other users by sharing their insights. Kindly help us in making this site useful. We don't encourage any spam posts here. This is a public forum, so we request you to be safe by not disclosing personal information such as bank account or phone numbers etc. Please follow our posting guidelines. All the comments posted under MyMoneySouq official account are  not reviewed by the financial institutions.