A Quick Guide to Open an Emirates NBD Account in 2025

Opening an Emirates NBD in 2025 is pretty much as simple as a cake; you just have to have the right set of documents, a trusted partner, and an advisor like us. Emirates NBD is one of the largest and most trusted banks in the UAE. Whether you’re a UAE resident, a non-resident, or an entrepreneur setting up a business in Dubai, you can easily open any type of account with Emirates NBD. In this article, you’ll find the complete details on types of accounts, required documents, and guidance that you won’t find anywhere else.

Why Choose Emirates NBD?

So, Emirates NBD is a leading bank in the UAE, all thanks to its extensive network, advanced digital banking services, and customer-first approach. 

• Variety of Accounts: Offers personal accounts (savings, current, fixed deposit) and business accounts tailored to diverse needs.
• Digital Banking: Easy online and mobile banking platforms with features like Smart Pass, biometric login for secure and instant access.
• Multi-Currency Support: Each accounts support major currencies (AED, USD, EUR, GBP), which is ideal for businesses with global transactions.
• Zero Balance Options: Certain types of Family Savings Accounts have no minimum balance requirement.
• Exclusive Benefits: Free debit/credit cards and rewards program for spending.

The bank has approximately 89 branches and more than 689 ATMs across the UAE, making it the most accessible bank in the entire United Arab Emirates.

Types of Emirates NBD Accounts

So, there are a few basic types of accounts you can easily open at Emirates NBD Bank. There are also some that are quite special for certain high-net-worth individuals. Here is a quick chart to help you out.

What are the Eligibility Requirements?

To open an Emirates NBD account, you must meet the following general criteria:

• Age: At least 18 years old.
• Residency: Both UAE residents and non-residents are eligible.
• UAE Mobile Number: Required for account activation and communication.
• Minimum Balance: Varies by account type.
• Business Accounts: Companies must be registered in the UAE, and shareholders may be required to hold a UAE resident visa.

Also Read: What is a No Objection Certificate in the UAE? Everything You Must Know

What are the Required Documents to open an Emirates NBD account?

Ok, so this totally depends on the types of accounts you’re opening, whether you’re opening a personal or business account. Most of the time, Digital scans are recommended for online applications.

For Personal Accounts

• Proof of Identity: Valid passport and Emirates ID.
• Proof of Residency: UAE resident visa.
• Proof of Address: Recent utility bill, tenancy contract, or employer’s letter (not older than 3 months).
• Proof of Income: Salary certificate, appointment letter, or payslip, trade license or self-employment proof.
• Bank Reference Letter: This may be required for non-residents, along with bank statements from the past six months.
• CV: Sometimes requested for non-residents.

For Business Accounts

• Corporate Documents: Commercial registration certificate, trade license, business commencement certificate, and Memorandum & Articles of Association.
• Proof of Address: Ejari lease or Free Zone registry proof.
• Ownership Details: Ownership structure chart, board resolution, and Emirates ID copies of authorised signatories.
• Financial Documents: Bank statements for the last 6 months (for existing businesses) or business plans for new companies.
• Power of Attorney: If applicable, for authorised signatories.

How to Open an Emirates NBD Account

There are mainly two ways to open a bank account in Dubai, online and in-person visit. Here’s everything you need to know about them in detail.

Also Read: Why Dubai World Trade Centre is the Right Choice for Your Business?

Option 1: Online Application

1. Visit the Emirates NBD Website: Go to www.emiratesnbd.com and click “Apply Now” under the accounts section.
2. Choose Account Type: Select the desired account (e.g., current, savings, or business).
3. Fill in Details: Provide personal or business information, including income, employment, or company details.
4. Upload Documents: Submit digital copies of required documents (e.g., passport, Emirates ID, proof of address).
5. Submit Application: Review and submit your application. You’ll receive a call from Emirates NBD within one working day for verification.
6. Verification and Activation: Once verified (typically within a few days), your account will be activated..

Option 2: In-Branch Application

1. Visit a Branch: Locate the nearest Emirates NBD branch.
2. Bring Documents: Carry original and a scanned copy of all the documents.
3. Consult with Staff: Bank staff will help you choose the right account and complete the application form.
4. Submit Application: Provide all required documents for verification.
5. Account Activation: After verification, your account will be opened, and you’ll receive a debit card and access to banking services.

What are the Fees for opening an account?

You see, most of the time, there is no fee for opening a bank account in Dubai. However, a certain type of account may be chargeable; this depends on the current account opening offer bank is offering. 

Tips for a Smooth Account Opening Process

• Prepare Documents in Advance: Ensure all documents are valid and scanned for online applications.
• Choose the Right Account: Assess your needs (daily transactions, savings, or business services) to select the best account type.
• Consult Experts for Business Accounts: For complex business setups, work with consultants like Universus Consulting to ensure a smooth process.
• Verify Minimum Balance Requirements: Confirm whether your chosen account requires a minimum balance to avoid fees.

Also Read: Top 10 International Banks in Dubai You Must Know About