Last Updated on 13 November 2025
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Emirates NBD Family Savings Account
Family Savings Account
Features
- Open one savings account for the entire family, with up to 10 family members.
- Balances are pooled together to calculate the total eligible interest rate.
- Each member receives separate online access and individual privacy controls.
- Interest is calculated daily on the pooled closing balance and credited monthly.
- Family members can enjoy free debit cards and supplementary cards for easy transactions.
- No minimum monthly balance or salary transfer is required for family members.
- You can open and manage the account conveniently through Emirates NBD Online Banking or the Mobile App.
- Enjoy contactless payments, mePay transfers, and cardless withdrawals through digital banking.
- Account opening fee: None
- Internal fund transfer fee: Free
- DirectRemit transfers: Free
- Debit card issuance: Free for all members
- Other charges apply as per Emirates NBD’s standard tariff schedule
- Minimum balance requirement: None
- Attractive interest rates:
- Earn 2.00% per annum on pooled balances below AED 350,000.
- Earn 2.50% per annum on pooled balances between AED 350,000 and AED 1 million.
- Earn up to 2.75% per annum on pooled balances of AED 1 million and above.
Required Documents
- To open a Family Savings Account, you will need:
- Valid Emirates ID and Passport for all family members
- Proof of UAE Nationality
- Family Book, if required for verification
Main Benefits
- Higher interest with pooled balance: The combined savings of all family members increase the applicable interest rate tier.
- Flexible and secure banking: Access funds anytime with round-the-clock mobile and online banking.
- Hassle-free family savings: All members benefit from collective growth while maintaining separate individual accounts.
- Free DirectRemit transfers: Send money internationally in 60 seconds with no transfer fee.
- Exclusive debit card privileges: Get offers and discounts on dining, shopping, and travel.
- Enhanced security: Multi-layered protection ensures all transactions remain safe and confidential.
- Easy payments: Pay friends through mePay, or withdraw cash without a card using cardless withdrawal.
Frequently Asked Questions
Q. What are the interest rates?
A. Interest rate up to 2.75% p.a. for AED
Q. Is Emirates NBD Family savings account for nationals?
A. This Facility is Exclusive for UAE Nationals
Q. What is the minimum balance required?
A. There is no minimum balance requirement or salary requirement to open the account
Q. Are debit cards provided charged?
A. Free debit card and supplementary debit cards are offered for each family member
Q. Is individual mobile banking available?
A. Yes, mobile banking is separate for every family member.
Q. What is a Family Savings Account in the UAE?
A. Family Savings Account is a pooled savings account where all family members’ balances are combined to earn a higher interest rate. Emirates NBD offers this account exclusively for UAE Nationals in AED and USD currencies.
Q. How does the pooled balance system work?
A. All family members’ balances are added together to calculate the total pooled balance. The higher your family’s combined balance, the higher the interest rate you can earn—up to 2.75% per annum.
Q. What is the current interest rate on Emirates NBD Family Savings Account?
A. As of 1 November 2024, pooled balances below AED 350,000 earn 2.00% p.a., between AED 350,000 and AED 1 million earn 2.50% p.a., and balances above AED 1 million earn 2.75% p.a., credited monthly.
Q. Can I open a Family Savings Account online in the UAE?
A. Yes. You can open and manage your Family Savings Account conveniently through Emirates NBD’s Online Banking or Mobile App, without visiting a branch.
Q. Is there a minimum balance requirement?
A. No, there is no minimum balance or salary transfer requirement for family members under this account.
Q. Who is eligible to open this account?
A. This account is available only to UAE Nationals. You can include up to 10 family members under one family pool.
Q. Does the account include a debit card?
A. Yes. Each family member receives a free debit card or supplementary card, which can be used for ATM withdrawals, online payments, and contactless transactions.
Q. Are international transfers available?
A. Yes. You can send money abroad instantly using DirectRemit, which allows fee-free international transfers within 60 seconds.
Q. How often is interest paid?
A. Interest is calculated daily on the pooled closing balance and credited monthly into each family member’s account.
Emirates NBD
In 2007, Emirates Bank International (EBI) and the National Bank of Dubai (NBD), the second and fourth largest banks in UAE, merged to form the banking champion - Emirates NBD. With more than 200 branches and over 900 ATMs and Cash Deposit Machines (CDMs) across the country and overseas, it is globally recognized as the most valued financial services provider in the Middle East. On November 15, 2016, Emirates NBD took over Emirates Money Consumer Finance LLC, becoming a regional consolidation blueprint for banking and finance sector in the UAE.
Corporate Values of the Emirates NBD are:
- Customer Focus
- Service Excellence
- Innovation
- Passion For Performance
- Integrity
- Teamwork
Get in touch with Emirates NBD Customer Care