Minimum Balance Required Annual Return Features
NBAD - Personal Saving Account NBAD - Personal Saving Account Minimum Balance: AED 3,000 Annual Return: 0.05% Features: Free Debit Card, Phone Banking, Multiple Currencies, Islamic Banking, Airport Lounge Access, No Salary Transfer
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The NBAD Personal Savings Account offers you competitive interest rates each month so your hard earned money can grow. Upon opening an account we offer you a free of charge internationally accepted Mastercard debit card. Accounts are available to both UAE and non UAE residents, in all major currencies.

With access to around-the-clock toll free phone banking service, free Internet and Arrow Phone banking facilities, and access to one of the largest ATM network in the UAE, those with personal savings accounts will receive accessibility and premier customer service.

Features & Benefits:
  • Earn competitive interest rates on your account
  • Free lounge access at selected airports
  • Receive a free MasterCard Platinum Debit Card
  • Available in Dirham and other major currencies
Eligibility:
  • Salaried, self-employed and non-salaried customers are all eligible
  • Open to UAE Nationals, GCC Nationals, Resident expatriates and non-resident
Required Documents:
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
  • No salary certificate needed unless applying for a credit facility as well
Fees and Other Charges:
  • Account Monthly Charges -NIL
  • Low Balance Charge Monthly AED 25 -from 2nd month onwards
  • Account Closure Fee Per request -AED 100 (if closed within 1 year), NIL (if closed after 1 yea)
  • Statement of Account Per request Free within the agreed cycle -AED 25 outside the cycle
  • Processing Fee for Overdraft At setup- AED 200
  • Cash withdrawal fees on Non-NBAD ATMs in UAE Per transaction -AED 2
  • Withdrawal Fee on GCC Net ATMs Per transaction -AED 6
  • Withdrawal on International ATMs Per transaction -AED 15 or 2.5% of withdrawn amount whichever is higher
  • Deposit in currency notes other than -US$ Per deposit Flat 1% (min AED 10 equivalent)
  • For amount above -US$ 5000 Per deposit Flat 1% (min AED 10 equivalent)
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Annual Return
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