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PERSONAL BANKING
Simplified banking personalized
You're not ordinary, so why should your banking be? Emirates NBD customizes services and products to suit your special requirements and ever-changing needs while giving you the personalised attention you deserve.
CURRENT ACCOUNTS
Convenience. Benefits.
All in one account.
Meet your daily needs and have options for how to save for the future you deserve. Maintain an account in Saudi Riyal or 6 other major currencies and enjoy a host of convenient services and benefits
Free Electron Debit Card accepted worldwide
Supplementary Cards for your family members
Chequebook facility
Open your Account
And experience convenient day to day banking
CURRENT ACCOUNT FEATURES
Easy day to day banking with a more personal touch
With our Current Accounts we will take care of all your financial needs, while keeping you in complete control
Open your Account
And experience convenient day to day banking
ACCOUNTS
Open an account in Dubai from KSA
Exclusive to Emirates NBD KSA customers, you can now open a bank account in Emirates NBD in Dubai without having to travel to the UAE.Enjoy the following benefits:
- Free transaction banking services worth AED 1,000 every calendar year
- Free international ATM cash withdrawal above USD 300
- 1 demand draft/manager΄s cheque every calendar month
- Unlimited local and international remittances through online banking and one free at branches every calendar month**
- First 3 Standing Instruction setups for free
- E-statements, SMS alert
- 10 free in branch teller transactions every month
*Fair use policy applies; penal charges and regular debit card usage charges are applicable.
** Offer for limited promotional period; beneficiary and correspondent bank charges if any will apply. For more information, please visit our website
Open an account in Dubai from KSA
Choose from a wide range of Debit Cards:
| Visa Platinum |
|
| Ladies Banking Platinum | Complimentary Female Critical Illness Cover of AED 25,000 |
| Go4it | Get the twin advantages of a Debit Card for making purchases or cash withdrawals, and the RTA Nol Card for making payments on the RTA transit network. |
| Man Utd Platinum | Express your support for the Champions with the Emirates NBD Man Utd Debit Card - the only Debit Card in the UAE that gives you an opportunity to win Priceless RED Experiences. Enjoy RED Deals that can get you fantastic discounts at premium restaurants, uniteddirect.com, sports stores and much more. |
TIME DEPOSITS
Optimised profits to maximise your savings based on Murabaha
With attractive returns and a minimum term of 7 days, our Time Deposit account is a great first step to growing
the funds you need to achieve your immediate goals
7 days to 1 year
withdrawals permitted
Example:
| Minimum Deposit Amount (SAR) | Maturity Period | AER | Number of withdrawals Permitted in the 1st Year | Number of withdrawals Permitted in the 2nd Year |
|---|---|---|---|---|
| 100,000 | 7 days to 1 year | NA | Principal amount only | NA |
CARDS
The joys and rewards of a fulfilling cashless lifestyle
Whether you enjoy fine dining and playing golf on the weekend, or simply need a card that rewards you with every local and international spend, there's an Emirates NBD Credit Card that's just for you.
Earn Rewards
Credit Shield
Mobile & Online Banking Access
PERSONAL FINANCE
Get closer to your dreams
A home of your own, further education or a way to get your small business started. Emirates NBD Personal Finance is the helping hand that supports your dreams.
Shariah Compliant
Easy monthly payments
Financing amount
Re-financing options
Personal Finance Calculator
1. Salary Assigned ?
Yes2. Customer Type?
SaudiFinancing Amount Required SAR
SAR 20,000 SAR 3,000,000
Tenor Years
1 year 5 years
Salary SAR
SAR 5,000 SAR 500,000
* Interest rates vary by tenor & subject to bank policy
* Management fees : 1% of finance amount (capped at SAR 5,000). Late payment fees : SAR 150. EMI deferment fees : SAR 100. Early settlement fees : 3 months term cost from date of finance closure.
(Management Fees are waived as part of our Relief Measures for the COVID-19 period)
Last modification : 15th August 2020
APR 55%
Management Fees 1000 SAR
Term Cost 1000 SAR
Total Repayment amount 1000 SAR
monthly installment is
SAR 2,730 *
APR may differ depending on the amount and maturity period and subject to credit scoring of each customer
*Subject to terms and conditions.
Fees & Charges
| Emirates NBD Credit Cards | Platinum | Platinum Plus | Mazeed Cashback | Infinite |
|---|---|---|---|---|
| Membership Fees | ||||
| Annual Fee | SAR 300 | Free | SAR 200 | SAR 700 |
| Supplementary Cards (Up to 5 Cards) | Free | Free | Free | Free |
| Other Fees and Charges | ||||
| Annual Percentage Rate (APR)* | 66.22% | 34.33% | 52.43% | 45.02% |
| Interest Rate (Retail Purchases) Interest Rate (Cash Advanse) |
2.20% | 2.49% | 2.20% | 2.20% |
| Cash Advance Fee | SAR 75 | SAR 75 | SAR 75 | SAR 75 |
| Late Payment Fee | SAR 100 | SAR 100 | SAR 100 | SAR 100 |
| Foreign Currency Transaction Fee | 2.20% | 2.20% | 2.20% | 2.20% |
| Card Replacement Fee | SAR 50 | SAR 50 | SAR 50 | SAR 50 |
| Copy of Sales Voucher | SAR 50 | SAR 50 | SAR 50 | SAR 50 |
| Credit Shield | 0.49% | 0.49% | 0.49% | 0.49% |
| Duplicate Statement Fee (per copy) | ||||
| Up to last 3 months | Free | Free | Free | Free |
| General | ||||
| Payment Due Date | 23 Days | 23 Days | 23 Days | 23 Days |
| Credit Period | Up to 53 Days | Up to 53 Days | Up to 53 Days | Up to 53 Days |
| Minimum Payment Due | 5% or SAR 100 (whichever is higher) | 5% or SAR 100 (whichever is higher) | 5% or SAR 100 (whichever is higher) | 5% or SAR 100 (whichever is higher) |
| Cash Advance Limit | 30% | 30% | 30% | 30% |
ISLAMIC SALARY TRANSFER PERSONAL FINANCING
Convenience with complete peace of mind
Have complete peace of mind while getting high finance amounts and enjoying convenient Direct Debit repayments to help you achieve what's most important to you
- Shariah compliant
- Low Annual percentage rate starting from 5.75% (5 year tenor)*
- Financing up to SAR 3,000,000
- Monthly installments period up to 60 months
- Possibility of refinance after paying 20% of finance principal (with Zero management fees)
- Personal Finance Balance Transfer from other banks available
- In case of customer's death or permanent disability, total outstanding finance amount will be waived
Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791.
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479.
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521.
* (Management Fees are waived as part of our Relief Measures for the COVID-19 period.) APR may differ depending on the amount and maturity period different from the above examples and subject to credit scoring of each customer.
ISLAMIC NON-SALARY TRANSFER PERSONAL FINANCING
The financial flexibility you've
been looking for
Enjoy attractive rates and high finance amounts for the financial flexibility you need with no salary transfer required
- Shariah compliant
- Salary transfer not required
- Low Annual percentage rate starting from 8.61% (5 year tenor)*
- Monthly installment period up to 60 months
- Possibility of refinance after paying 20% of finance principal (with Zero management fees)
- In case of customer's death or permanent disability, total outstanding finance amount will be waived
Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 8.15% and the monthly installment will be SAR 4,042.
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 8.26 % and the monthly installment will be SAR 4,698.
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 8.04% and the monthly installment will be SAR 8,688.
* (Management Fees are waived as part of our Relief Measures for the COVID-19 period.) APR may differ depending on the amount and maturity period different from the above examples and subject to credit scoring of each customer.
ISLAMIC BALANCE TRANSFER PERSONAL FINANCING
Save for what matters most to you
Consolidate all your payments and get more competitive terms on your existing financing from other banks. Our Islamic Balance Transfer Financing offers you low profit rates and lower monthly installments along with a host of other advantages.
- Shariah-compliant Personal Financing
- Low Annual percentage rate starting from 5.75% (5 year tenor)*
- Option to apply for additional funds (with Zero management fees)
- Available for Salary Transfer and Non-Salary Transfer customers
- In case of customer's death or permanent disability, total outstanding finance amount will be waived along with
Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791.
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479.
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521.
* (Management Fees are waived as part of our Relief Measures for the COVID-19 period.) APR may differ depending on the amount and maturity period different from the above examples and subject to credit scoring of each customer.
Foreign Exchange
Easily transfer money to your accounts
At Emirates NBD, you can easily transfer money to your accounts within the Kingdom or around the world by simply choosing any of channels that is most convenient for you.
LADIES BANKING PACKAGE
Your privacy and convenience are our priority
Our personalised services exclusively for ladies are designed to give you utmost comfort for your day to day transactions. Visit our unique "Ladies" branch in Riyadh or access our services and products from the convenience of your home.
- Accounts - Current and Savings
- Time Deposit - Competitive profit margins
- Credit cards - Visa Card (Platinum, Platinum Plus, Mazeed Platinum, Infinite)
- Islamic Personal Finance
- International Electron Card - free of charge
- Safety Deposit Boxes - available for ladies to secure valuable belongings within the bank
- Quick service with complete confidentiality
Open your Account
And experience convenient day to day banking
IJARAH HOME FINANCING
Owning your dream home is now easier
Emirates NBD is pleased to announce the launch of 'Ijarah', a mortgage product which helps Saudi Nationals to own their dream home with ease and comfort.
- Home financing product with a promise to grant property
- Available in fixed or variable* pricing
- Available for Salary Transfer, Non-Salary Transfer and Self-employed customers
- Loan to value starts from 70% up to 90%**
- Maximum financing amount up to 5,000,000 Saudi Riyals
- Financing period up to 30 years
- Waiver of outstanding amount in case of death or permanent disability, God forbid
- Fast and easy processing
- Shariah compliant
- Competitive annual percentage rate
* Fixed rate offered for first 2 years. Thereafter, 1 year SAIBOR + margin. E.g.
300bps
* * Depending on segment type : Maximum 70% LTV for second property.
Example: For a home financing of SAR 1,000,000 over 20 years, the APR will be 7.22% and the monthly installment would be SAR 7,750. (Management Fees and Early Settlement Fees are waived as part of our Relief Measures for the COVID-19 period.)
APR may differ depending on the amount, maturity period and subject to credit scoring of each customer.
Click here for eligibility.
Ijarah Home Financing Calculator
Property Value SAR
SAR 300,000 SAR 5,000,000
Tenor Years
1 year 30 years
Down Payment %
10% 90%
Monthly Installment SAR
* Interest rates are subject to daily change without notice and may affect the amount for which you qualify. The Bank reserves the right to cancel this pre-qualification at any time without any liability on the Bank or any of its directors and employees. The final approval will be subject to the Bank's credit policy and the satisfaction of all the securities and requirements requested by the Bank.
- Example of how interest is calculated
APR Example Property Value LTV Ratio Fixed or Floating rate APR Loan Tenor Payment type Monthly Installment Early settlement fees 1,000,000 90% Fixed 6.48% 10 Years Principle and profit amount 10,125 3 months future profit APR Example Property Value LTV Ratio Fixed or Floating rate APR Loan Tenor Payment type Monthly Installment Early settlement fees 1,500,000 90% Fixed 7.22% 20 Years Principle and profit amount 10,462 3 months future profit APR Example Property Value LTV Ratio Fixed or Floating rate APR Loan Tenor Payment type Monthly Installment Early settlement fees 2,000,000 90% Fixed 7.36% 30 Years Principle and profit amount 12,125 3 months future profit
Ijarah Home Financing
Eligibility :
- Applicant must be a Saudi National
- Property must be a fully completed Villa/Apartment within Riyadh, Jeddah and Eastern Province
- The applicant must be 21 years old when applying, and not more than 60 years old at financing maturity
- Applicant’s length of service should not be less than 6 months
- Minimum monthly salary of SAR 12,000 for salary transfer customers and SAR 15,000 for non- salary transfer customers
Terms and conditions apply
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