Emirates NBD
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XAU Gold Account

1% Cashback and a chance to win a gold bar

Open your XAU Gold Account today and increase your purchases to get 1% cashback and a chance to win one of 10 (20 grams) gold bars.

Don’t have an account? Register your interest

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How to avail the offer:

  • Open your Emirates NBD XAU Currency (Gold) Account through any of our branches across KSA
  • Increase your transactions on your XAU Currency (Gold) Account during the promotion period

1% Cashback

  • Customers are eligible to receive 1% cashback of the total cumulative value of eligible XAU Currency (Gold) buy transactions executed during the Promotion Period,
  • Only XAU Currency (Gold) buy transactions with a minimum value of 1,000 (or its equivalent) per transaction at the time of execution shall be considered eligible during the Promotion Period.

Win a Gold Bar

  • The top ten (10) customers with the highest cumulative XAU currency buy transaction volume during the promotion period will each receive one (1) gold bar weighing 20 grams
  • The minimum cumulative XAU currency buy transaction volume is 15,000 during the promotion period

Terms & Conditions

  • Bank Rights and Liability
    • Emirates NBD KSA reserves the right to exclude any transactions deemed suspicious, abusive, speculative or inconsistent with the intent of the campaign, including transactions executed solely to benefit from the offer
    • The Bank reserves the right, at its sole discretion, to disqualify any customer found to be misusing the offer, including but not limited to transaction manipulation or abusive trading behavior
    • Emirates NBD KSA reserves the right to amend, suspend or terminate this campaign or these Terms and Conditions at any time, subject to applicable laws and regulations and the relevant notification and disclosure requirements, with prior notice through official channels
    • The Bank shall not be liable for any loss, damage or delay arising from circumstances beyond its control, including system failures, market disruptions or force majeure events
    • The Bank’s records and calculations in relation to this campaign shall be final and binding
  • Miscellaneous
    • Employees of Emirates NBD – Kingdom of Saudi Arabia and Emirates NBD Group (including permanent, temporary and contractual staff) are excluded from participation in this offer
    • These Terms and Conditions are governed by the laws and regulations of the Kingdom of Saudi Arabia
    • These Terms and Conditions are issued in both Arabic and English. In case of any discrepancy, the Arabic version shall prevail
    • Emirates NBD KSA operates under the supervision and control of the Saudi Central Bank (SAMA)
  • For any queries, customers may contact Emirates NBD KSA through official customer service channels:
  • Call us at: +9668007547777
  • If you're calling from outside the Kingdom of Saudi Arabia: +9660112122333
  • This offer is applicable for all Emirates NBD KSA Retail existing and new individual customers holding an XAU currency (Gold account)
  • This offer applies to XAU currency buy transactions executed between 1 April 2026 until 30 May 2026, inclusive (“Promotion Period”)
  • Customers must have a minimum cumulative XAU currency buy transaction volume of 15,000 during the promotion period, whether through one or multiple transactions, to be eligible for this offer
  • Eligible customers will be ranked based on their cumulative XAU currency buy transaction volume during the promotion period
  • The top ten (10) customers with the highest cumulative XAU currency buy transaction volume during the promotion period will each receive one (1) gold bar weighing 20 grams
  • The reward is limited to one (1) gold bar per customer and is valid once
  • In the event of a tie, the customer with the highest balance on 30 May 2026 will be eligible
  • The winner will be given maximum of 90 calendar days from the date of announcement to receive the prize and in case the winner didn’t recieve the prize, the bank has the rights to withdraw the prize
  • This offer is applicable to Emirates NBD KSA Retail individual customers holding an XAU Currency (Gold) account and is exclusive to Emirates NBD KSA customers
  • This campaign applies to XAU Currency (Gold) buy transactions executed through Emirates NBD KSA approved channels (including mobile app, online banking and branches) during the period from 8 May 2026 to 31 July 2026 (“Promotion Period”)
  • Cashback Offer and Eligibility
    • Customers will be eligible to receive cashback equivalent to 1% of the total cumulative value of eligible XAU Currency (Gold) buy transactions executed during the Promotion Period, subject to these Terms and Conditions
    • Only XAU Currency (Gold) buy transactions with a minimum value of 1,000 (or its equivalent) per transaction at the time of execution shall be considered eligible
    • Eligible transactions must be successfully executed, completed, settled and posted to the customer’s account through the Bank’s official channels. Sell transactions, as well as cancelled, reversed, failed or unposted transactions, shall not be considered eligible
  • Cashback Calculation and Monthly Cap
    • Cashback shall be calculated based on the equivalent value of eligible transactions at the time of execution and aggregated across all eligible transactions conducted by the customer
    • Cashback shall be calculated independently for each calendar month within the Promotion Period based on the total cumulative value of eligible transactions during that month
    • The maximum cashback payable shall not exceed 10,000 per customer per calendar month, regardless of transaction volume
  • Cashback Credit and Conversion
    • The cashback amount shall be determined and credited in to the customer’s current account
    • Cashback will be credited within thirty (30) calendar days from the end of the relevant calendar month
    • The customer’s account must be active and in good standing at the time of credit. The Bank reserves the right to forfeit cashback where the account is closed, inactive or restricted
  • Exclusions and General Conditions
    • Cashback is applicable only to transactions executed at the Bank’s standard board rate as determined and published by the Bank. Transactions executed at preferential or special rates, including those arranged via relationship managers or treasury, are excluded
    • Cashback is non-transferable, non-exchangeable and cannot be converted into any other form of reward
    • Where a customer holds multiple accounts, the Bank reserves the right to consolidate eligibility at a customer level
  • Bank Rights and Liability
    • Emirates NBD KSA reserves the right to exclude any transactions deemed suspicious, abusive, speculative or inconsistent with the intent of the campaign, including transactions executed solely to benefit from the offer
    • The Bank reserves the right, at its sole discretion, to disqualify any customer found to be misusing the offer, including but not limited to transaction manipulation or abusive trading behavior
    • Emirates NBD KSA reserves the right to amend, suspend or terminate this campaign or these Terms and Conditions at any time, subject to applicable laws and regulations and the relevant notification and disclosure requirements, with prior notice through official channels
    • The Bank shall not be liable for any loss, damage or delay arising from circumstances beyond its control, including system failures, market disruptions or force majeure events
    • The Bank’s records and calculations in relation to this campaign shall be final and binding
  • Miscellaneous
    • Employees of Emirates NBD – Kingdom of Saudi Arabia and Emirates NBD Group (including permanent, temporary and contractual staff) are excluded from participation in this offer
    • These Terms and Conditions are governed by the laws and regulations of the Kingdom of Saudi Arabia
    • These Terms and Conditions are issued in both Arabic and English. In case of any discrepancy, the Arabic version shall prevail
    • Emirates NBD KSA operates under the supervision and control of the Saudi Central Bank (SAMA)
  • For any queries, customers may contact Emirates NBD KSA through official customer service channels:
  • Call us at: +9668007547777
  • If you're calling from outside the Kingdom of Saudi Arabia: +9660112122333
  • This offer is applicable for all Emirates NBD KSA Retail existing and new individual customers holding an XAU currency (Gold account)
  • This offer applies to XAU currency buy transactions executed between 1 April 2026 until 30 May 2026, inclusive (“Promotion Period”)
  • Customers must have a minimum cumulative XAU currency buy transaction volume of 15,000 during the promotion period, whether through one or multiple transactions, to be eligible for this offer
  • Eligible customers will be ranked based on their cumulative XAU currency buy transaction volume during the promotion period
  • The top ten (10) customers with the highest cumulative XAU currency buy transaction volume during the promotion period will each receive one (1) gold bar weighing 20 grams
  • The reward is limited to one (1) gold bar per customer and is valid once
  • In the event of a tie, the customer with the highest balance on 30 May 2026 will be eligible
  • The winner will be given maximum of 90 calendar days from the date of announcement to receive the prize and in case the winner didn’t recieve the prize, the bank has the rights to withdraw the prize
  • This offer is applicable to Emirates NBD KSA Retail individual customers holding an XAU Currency (Gold) account and is exclusive to Emirates NBD KSA customers
  • This campaign applies to XAU Currency (Gold) buy transactions executed through Emirates NBD KSA approved channels (including mobile app, online banking and branches) during the period from 8 May 2026 to 31 July 2026 (“Promotion Period”)
  • Cashback Offer and Eligibility
    • Customers will be eligible to receive cashback equivalent to 1% of the total cumulative value of eligible XAU Currency (Gold) buy transactions executed during the Promotion Period, subject to these Terms and Conditions
    • Only XAU Currency (Gold) buy transactions with a minimum value of 1,000 (or its equivalent) per transaction at the time of execution shall be considered eligible
    • Eligible transactions must be successfully executed, completed, settled and posted to the customer’s account through the Bank’s official channels. Sell transactions, as well as cancelled, reversed, failed or unposted transactions, shall not be considered eligible
  • Cashback Calculation and Monthly Cap
    • Cashback shall be calculated based on the equivalent value of eligible transactions at the time of execution and aggregated across all eligible transactions conducted by the customer
    • Cashback shall be calculated independently for each calendar month within the Promotion Period based on the total cumulative value of eligible transactions during that month
    • The maximum cashback payable shall not exceed 10,000 per customer per calendar month, regardless of transaction volume
  • Cashback Credit and Conversion
    • The cashback amount shall be determined and credited in to the customer’s current account
    • Cashback will be credited within thirty (30) calendar days from the end of the relevant calendar month
    • The customer’s account must be active and in good standing at the time of credit. The Bank reserves the right to forfeit cashback where the account is closed, inactive or restricted
  • Exclusions and General Conditions
    • Cashback is applicable only to transactions executed at the Bank’s standard board rate as determined and published by the Bank. Transactions executed at preferential or special rates, including those arranged via relationship managers or treasury, are excluded
    • Cashback is non-transferable, non-exchangeable and cannot be converted into any other form of reward
    • Where a customer holds multiple accounts, the Bank reserves the right to consolidate eligibility at a customer level

Terms and Conditions:

  • These terms and conditions (“Terms and Conditions”) have been prepared between the branch of Emirates NBD Bank Kingdom of Saudi Arabia (“Emirates NBD – Saudi Arabia”) and the user to register his/her interest in the products and banking services provided on the electronic website of Emirates NBD Saudi Arabia
  • You agree to grant Emirates NBD Saudi Arabia the right to collect, store, and use the information you provided to the bank for the purpose of using the website and registering your interest in the products and banking services. You also agree that the bank may share this information, including personal data, with credit bureaus in line with the systems and regulations of the Saudi Central Bank
  • By submitting your electronic consent to receive special offers for the products and services offered by Emirates NBD Saudi Arabia, you acknowledge and agree that these terms and conditions are binding without any limitation or exception
  • Emirates NBD Saudi Arabia reserves the right to update and amend these terms and conditions at any time, subject to its sole discretion
  • The mobile number you provide must be valid and correct. This number will be considered as one of the verification methods
  • Emirates NBD Saudi Arabia and its representatives may contact you (by phone call, SMS, or email) to indicate your interest in the banking products/services. You may withdraw this consent by registering for the “Do Not Contact” service (a short call or email)
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Branch of Emirates NBD Bank, Commercial Registration No. 1010191741- CR Unified Number 7001460414 P.O. Box 8166, Telephone: 011 282 5555. National Address: 8152, King Fahd Road, Al Muhammadiyah District, Unit 1, Riyadh 12363-4380 Certified with the Certificate number 1/150. The bank is licensed and regulated by SAMA.

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