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Emirates NBD Business Banking Packages

Minimum Salary
700,00 د.إ

Flat Rate
9.9%

Reducing Rate
15%

Maximum Term
48 Months

Monthly Payment
AED 44,000

Description

Emirates NBD offers seven main business banking account packages, each tailored to different business sizes and needs:

Features

  1. Emirati Business
    • Eligibility & Conditions: Exclusively for Emirati-owned businesses.
    • Minimum Monthly Balance: AED 25,000.
    • Monthly Maintenance Fee: None; AED 150 per month if balance not maintained (waived for first 6 months for new customers).
    • Key Benefits:
      • Unlimited cheque books
      • Emirati Visa Business Signature Debit Card
      • Preferential trade, FX, and transaction rates
      • Access to exclusive Emirati lifestyle and business offers
  2. Connect
    • Eligibility & Conditions: Geared toward startups or professionals, ideal if you primarily need online services.
    • Minimum Monthly Balance: None.
    • Monthly Maintenance Fee: AED 249; no fall-below penalty.
    • Key Benefits:
      • BusinessONLINE platform
      • Free Visa Business Debit Card
      • Basic trade finance and transactional services
  3. Proprietor
    • Eligibility & Conditions: Designed for sole establishments.
    • Minimum Monthly Balance: AED 50,000.
    • Maintenance Fee: Nil; AED 250 if the minimum is not met.
    • Key Benefits:
      • Full access to BusinessONLINE
      • Cash management & trade services
      • Business loans and debit/credit cards
    • Additional Details (per external sources):
      • Local transfers: Branch AED 5.25, Online free
      • International transfers: Branch AED 78.75, Online free
      • Cheque book: First free; subsequent at AED 26.30 each
      • Returned cheque fee: AED 105
      • Account closure within 6 months: AED 105
  4. Prime
    • Eligibility & Conditions: Mid-level package for standard-sized businesses.
    • Minimum Monthly Balance: AED 50,000.
    • Maintenance Fee: AED 99; AED 150 if the minimum is not met.
    • Key Benefits:
      • Full BusinessONLINE access
      • Comprehensive finance, trade, and cards services
    • Additional Fee Insights:
      • Local transfers: Online free (branch may charge)
      • Minimum balance fall-below fee: AED 158
  5. Preferred
    • Eligibility & Conditions: For growing businesses seeking enhanced support.
    • Minimum Monthly Balance: AED 200,000.
    • Maintenance Fee: None; AED 300 if the minimum is not maintained.
    • Key Benefits:
      • All Prime-level services
      • Preferential pricing
      • Business credits & complete service suite
  6. Prestige
    • Eligibility & Conditions: Tailored for larger, evolving businesses.
    • Minimum Monthly Balance: AED 500,000.
    • Maintenance Fee: None; fall-below penalty AED 750 (some sources report AED 788 – AED 787.50)
    • Key Benefits:
      • Dedicated Relationship Manager
      • Trade/Forex advisory
      • Preferential FX & TT rates, discounted smartTRADE
      • Business tools (e.g., Zoho), media subscriptions, curated events
      • Lifestyle perks: airport lounge access, valet parking, spa discounts (once a year), Avis Car Rental, etc.
  7. Platinum
    • Eligibility & Conditions: Premium package for high-volume, established businesses.
    • Minimum Monthly Balance: AED 3,500,000.
    • Maintenance Fee: None; AED 1,500 fall-below penalty.
    • Key Benefits:
      • All Prestige offerings
      • Best FX & trade pricing
      • Free smartTRADE
      • Unlimited cheque books, discounted fees, curated business benefits
      • Enhanced lifestyle benefits: travel insurance, spa access, golf, airline perks, elite media subscriptions, Regus and Marriott rewards, etc.

Documents Required

Additional Info

Quick Comparison Table

Package Min Balance Monthly Fee Fall-Below Penalty Highlight Benefits
Emirati AED 25k Nil (first 6 mo) AED 150 Emirati-only, unlimited cheques, lifestyle perks
Connect None AED 249 None Online-focused, basic services
Proprietor AED 50k Nil AED 250 Sole-establishment, loan & trade features
Prime AED 50k AED 99 AED 150 Standard business suite
Preferred AED 200k Nil AED 300 Upgraded services, no fees
Prestige AED 500k Nil AED 750+ Relationship manager, lifestyle perks
Platinum AED 3.5 M Nil AED 1,500 Fully bespoke enterprise-level package

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