Emirates NBD
A large Dubai-based bank where many UAE residents and expats open their first local account, with online account opening, salary accounts and day-to-day banking in the ENBD X app once you hold an Emirates ID.
About Emirates NBD
Emirates NBD is a government-owned bank based in Dubai and one of the largest banking groups in the Middle East. It offers current, savings and deposit accounts, and its website states that current accounts can be opened online. Its current account is aimed at salaried individuals, and the published minimum balance for a current account is AED 3,000. Everyday banking runs through the ENBD X app for Android and iOS and ENBD X online banking.
Key Features
- Online Account Opening: Apply online by scanning your Emirates ID and passport, with a video verification call for some accounts.
- Salary Accounts: Accounts linked to a salary transfer from your UAE employer.
- ENBD X App: Mobile and online banking for transfers, cards and account management.
- Non-Resident Option: A non-resident savings account exists for people who do not live in the UAE.
How to Get Started
- Get your UAE residence visa and Emirates ID before you apply as a resident.
- Ask your employer for a salary transfer letter addressed to Emirates NBD if you want a salary account.
- Download the ENBD X app or open the Emirates NBD website and choose the account you want.
- Scan your Emirates ID and passport, complete any video verification, and wait for your account and card to be activated.
An Emirates ID and a valid residence visa are required for resident accounts, and a passport valid for at least six months is expected. Current accounts carry a minimum balance requirement (AED 3,000 on the published current account), and a fall-below fee applies if your balance drops under it. Fees and minimums differ by package and change over time, so check the Key Facts Statement and fee schedule on the official website before you apply.
❓ Frequently Asked Questions
Does Emirates NBD work with a foreign bank card in United Arab Emirates? Not reliably — a foreign card may be declined. Check the notice above, or plan to use a local payment method.
Is Emirates NBD available in English? Yes, Emirates NBD has an English-language interface.
Do I need a local phone number to use Emirates NBD? Yes, Emirates NBD requires a local phone number to register.
Do I need local ID or residency for Emirates NBD? Yes, Emirates NBD requires local ID or residency status.