A fully loaded account that gives you more than just savings and rewards.

Interest Rate:

  • Less than AED 10,000 – Nil
  • AED 10,000 to less than AED 350,000 – 0.25%
  • AED 350,000 to less than AED 3,500,000 – 0.50%
  • AED 3,500,000 and above – 0.75%

ENBD Value Account Features:

  • Account available in AED only.
  • Cheque book facility – 5-leaf cheque book free upon opening your account
  • International ATM/debit card
  • 24-hour easy access through ATMs, phone banking, mobile banking and online banking
  • Bill payment facilities across a wide range of services
  • Access to an extensive branch network
  • Monthly statement of account.
  • Initial Deposit – AED 3000
  • Minimum Balance – AED 300
  • AED 5000 minimum salary – To avail all facilities like credit card, cheque book, personal loan etc.
  • If salary is not transfered – No facilities like credit card, cheque book, personal loan etc.
  • AED 25 for not maintaining the required balance
  • Value Account – AED Only

Value-loaded financial rewards:

  • Maintain minimum balance of AED 3,000
  • Earn attractive interest rates on your account balances
  • Free* Emirates NBD credit card for the first year
  • Personal overdraft upon arrangement with the bank

*not applicable for Emirates NBD Skywards Platinum & Infinite cards

Insurance and lifestyle benefits:

  • Free life insurance cover of AED 100,000
  • Free 24-hour roadside auto assistance
  • Free medical access card
  • Special offers across dining, shopping, travel, entertainment, health and lifestyle, with your Emirates NBD Debit Card

Documents Required:

For Individual & Joint account (UAE Nationals):

  • Copy of passport(s) and original passport(s) for validation
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    Appointment Letter / Contract Copy
    Pay slip (< 3 month old)
    Consolidated letter from HR for bulk accounts
    Most recent statement of account where customer’s salary is being transferred

For Individual & Joint account (Residents):

  • Copy of passport(s), including residence visa page; as well as original passport(s) for validation
  • Sponsor’s letter of no objection
  • Salary Certificate (in case of salary transfer accounts); in the absence of a Salary Certificate, any one of the following documents may be obtained:
    Appointment Letter / Contract Copy
    Pay slip (< 3 month old)
    Consolidated letter from HR for bulk accounts
    Most recent statement of account where customer’s salary is being transferred

For Individual & Joint account (GCC Nationals):

  • Copy of passport(s) and original passport(s) for validation
  • Telephone/Electricity Bill