Emirates NBD Personal Account

Minimum Salary
5.000,00 د.إ

Description

Emirates NBD offers four Shari’ah-compliant personal CASA packages—Classic, Silver, Gold, and Platinum—each tailored by average monthly balance (AMB) or salary transfer to deliver fee waivers, reward points, and premium privileges. Selecting the right package depends on your AMB or salary, transaction needs, and desired benefits.

Features

Package Segmentation & Eligibility

Package	AMB / Salary Transfer Criteria	Monthly Fee if Criteria Not Met
Classic	≥ AED 5,000 AMB or salary ≥ AED 5,000	AED 25
Silver	≥ AED 25,000 AMB or salary ≥ AED 10,000	AED 100
Gold	≥ AED 100,000 AMB or salary ≥ AED 25,000	AED 200
Platinum	≥ AED 500,000 AMB or salary ≥ AED 50,000	AED 300

Account Features & Benefits

Feature / Package	Classic	Silver	Gold	Platinum
Debit Card	Standard (free)	Silver (free)	Gold metal (free)	Platinum metal & lounge access
Cheque Book	1 free/year; AED 25/book	2 free/year; AED 25/book	4 free/year; AED 25/book	Unlimited free
Teller Transactions	6 free/mo; AED 10/txn	10 free/mo; AED 10/txn	Unlimited	Unlimited
ATM Withdrawals (ENBD)	Free	Free	Free	Free
Non-ENBD UAE ATM	AED 2/txn (4 free/mo)	AED 2/txn (6 free/mo)	AED 2/txn (8 free/mo)	AED 2/txn (unlimited)
Reward Points	5 points/AED 1,000 AMB	10 points/AED 1,000 AMB	15 points/AED 1,000 AMB	20 points/AED 1,000 AMB
International Remittance	AED 25/txn	AED 15/txn	1 free/mo; then AED 10/txn	3 free/mo; then AED 5/txn
Priority Service	—	Dedicated hotline	Branch priority	Dedicated Relationship Manager

Detailed Schedule of Fees & Charges

All fees inclusive of 5% VAT where applicable.

Service Category	Service	Fee / Charge
Account Maintenance	Monthly fall-below fee	Classic AED 25; Silver AED 100; Gold AED 200; Platinum AED 300
Teller Transactions	Free-above versus per-txn beyond free	AED 10 per txn
ATM Services	ENBD ATM (withdrawal, deposit, inquiry)	Free
	Non-ENBD UAE ATM withdrawal	AED 2 per txn after free quota
Debit Card Services	Issuance & renewal	Free
	Replacement	AED 25
Funds Transfers	ENBD-ENBD (digital)	Free
	Local interbank (online)	Free
	Local interbank (branch)	AED 15
	International (BEN/SHA online)	AED 15
	International (OUR branch)	AED 50
Cheque Services	Cheque book (first)	Free or as per package
	Cheque book (subsequent)	AED 25 per book
	Returned cheque	AED 100
	Stop payment	AED 25
Statements & Letters	Duplicate statement	AED 25
	Statement outside cycle	AED 25 per month
	Balance / liability certificate	AED 25
Account Closure	Within 6 months	AED 50

Documents Required

Emirates ID (original & copy)
Passport & UAE residence visa (copy) for expatriates
Salary transfer letter or bank statement (for salary criteria)
Proof of address (utility bill)
Completed account opening form

Additional Info

Classic: Entry-level banking with essential services and modest fee waivers.
Silver: Enhanced transaction allowances, reward points, and fee reductions.
Gold: Unlimited branch transactions, higher reward rates, and remittance waivers.
Platinum: Full suite of premium benefits, including lounge access, RM support, and maximum fee waivers.

Recommendation: Match your average monthly balances or salary levels to the package thresholds to maximize fee waivers, reward accrual, and premium banking privileges.