Last Updated on 17 November 2025
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Emirates NBD Tiered Savings Account
Tiered Savings Account
Features
- Earn higher interest rates as your balance increases.
- Available in AED, USD, and SAR currencies.
- Interest is calculated daily based on your closing balance.
- Interest credited monthly directly to your account.
- Free debit card available for AED account holders.
- Partial withdrawals are allowed without closing the account.
- 24/7 digital access through Emirates NBD Online and Mobile Banking.
- Secure digital banking with multi-layer authentication.
- No premature withdrawals – ideal for steady savings growth.
- There is no monthly or annual fees on this account.
- This account can be availed in AED, USD, SAR and QAR.
- There is a minimum balance requirement of AED 3000 for this account.
- For AED Accounts: No interest is paid if your balance is below AED 10,000,
- You earn 0.25% per annum for balances between AED 10,000 and AED 500,000.
- You earn 0.50% per annum for balances above AED 500,000.
- For USD Accounts: No interest is paid if your balance is below USD 10,000.
- You earn 0.25% per annum for balances from USD 10,000 to less than USD 200,000.
- You earn 0.35% per annum for balances between USD 200,000 and USD 3 million.
- You earn 0.50% per annum for balances above USD 3 million.
- For SAR Accounts: No interest is paid if your balance is below SAR 100,000.
- You earn 0.25% per annum for balances from SAR 100,000 up to SAR 20 million.
- You earn 0.50% per annum for balances above SAR 20 million.
- Interest is calculated on daily closing balances and paid monthly.
- Note: Interest rates are subject to change based on bank policy.
Required Documents
- For UAE Nationals: Original Emirates ID and copy, Passport copy, Salary letter, employee ID, or labour card (for salary transfer accounts).
- For Expats: Original Emirates ID and copy, Passport with visa page copy, Salary transfer letter or latest payslip (within 30 days).
- For Non-Residents: Passport copy with visa page, Recent utility bill or bank statement (not older than 3 months), Reference letter from home bank (minimum 12-month relationship).
- For GCC Nationals: Passport or UAE National ID, Labour card, work permit, or employer letter, Tenancy contract or utility bill in your name.
- For Self-Employed (Non-individuals): Passport and Emirates ID copies of all partners/directors, Valid trade license and MOA, Board resolution for account opening.
Main Benefits
- Earn monthly income through interest credited to your account.
- Enjoy multi-currency savings in AED, USD, and SAR.
- Access funds easily through Emirates NBD ATMs and online banking.
- Make free international transfers using DirectRemit (selected countries).
- Benefit from exclusive deals on shopping, dining, and travel.
- Enjoy high-level security for all online and mobile transactions.
- Manage your savings conveniently via Emirates NBD’s mobile app.
Frequently Asked Questions
Q. What is the Emirates NBD Tiered Savings Account?
A. It’s a savings account that offers higher interest rates as your account balance increases, available in AED, USD, and SAR.
Q. How often is interest paid?
A. Interest is calculated daily and credited to your account monthly.
Q. What are the minimum balances to earn interest?
A. AED accounts: AED 10,000
USD accounts: USD 10,000
SAR accounts: SAR 100,000
Q. Can I access my funds anytime?
A. Yes, partial withdrawals are allowed without affecting your overall account status.
Q. Who can open this account?
A. UAE Nationals, Expats, GCC Nationals, Non-residents, and Self-employed individuals can apply.
Q. Is a debit card available?
A. Yes, free debit cards are available for AED accounts.
Q. How do I apply for this account?
A. You can apply online, through Emirates NBD Mobile Banking, or visit the nearest branch.
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