Provider profile
Emirates NBD
Raqma's read on Emirates NBD
Raqma's read on Summarised from catalogue fields — not a paid placement.
- Products tracked
- 2 across 2 categories (SME financing, Business accounts)
- Licence status
- UAE Central Bank — licensed
- Public rating
- Trustpilot: 1.7/5 · 1,460 reviews — snapshot 2026-10-15 (source)
- Lowest monthly fee
- AED 249 — Emirates NBD Business Connect
- Free-zone acceptance
- 1 of 2 products accept free-zone licences
- Remote onboarding
- 1 of 2 products onboard without a branch visit
- Last reviewed
In short: Emirates NBD has a focused offer in the UAE sme financing and business accounts space, with published fees from AED 249/mo. Licensing on record: UAE Central Bank — licensed.
Is Emirates NBD right for you?
Fit read from catalogue fields — not a recommendation, confirm terms with the provider.
- UAE SMEs
- Partial fit 2 products tracked across 2 categories
- E-commerce merchants
- Limited No payment-gateway products tracked
- Free-zone companies
- Strong fit 1 of 2 products accept free-zone licences
- Import-export businesses
- Limited No cross-border products tracked
- Startups needing corporate banking
- Strong fit 1 of 2 onboard remotely
Strengths and watch-outs
Aggregated across the tracked Emirates NBD catalogue — exact terms are on each product page.
Where Emirates NBD stands out
- AED 249 monthly fee
- No minimum balance
- Accepts free-zone licences
- Fully remote onboarding
Watch-outs
- You want fully remote onboarding — a branch visit is required.
Licensing
- UAE Central Bank — licensed
Verified answers
Emirates NBD Small Business Loan
What business financing does Emirates NBD offer?
Emirates NBD Business Banking lists working-capital solutions in funded and non-funded lines, alongside business accounts, cards and trade finance for SMEs.
Source: emiratesnbd.com · verified
Does Emirates NBD publish SME loan rates?
No public rate card — business loan and working-capital pricing, eligibility and terms are provided through a relationship manager rather than published online.
Source: emiratesnbd.com · verified
Is Emirates NBD a conventional or Islamic lender?
It operates both — conventional business banking plus an Islamic arm (Emirates Islamic) with Sharia-compliant business financing.
Source: emiratesnbd.com · verified
Emirates NBD Business Connect
What are Emirates NBD business banking minimum balances?
The schedule of charges lists three packages: Business Banking requires an AED 50,000 monthly average balance, Business Banking Plus AED 200,000, and Business Banking Select AED 500,000. Non-maintenance fees are AED 200, AED 300 and AED 500 per month respectively.
Source: cdn.emiratesnbd.com · verified
What do Emirates NBD business transfers cost?
Per the schedule of charges, telegraphic transfers cost AED 45 within the UAE in local currency, AED 60 in foreign currency to home/GCC countries and AED 85 to other countries (Business Banking tier), with a AED 10 discount on smartBUSINESS transfers.
Source: cdn.emiratesnbd.com · verified
Are Emirates NBD business account opening and maintenance free?
Yes — the schedule of charges shows zero account-opening fee and zero account-maintenance fee across all three business packages; the first cheque book is free (AED 25 thereafter) and inward remittances are free.
Source: cdn.emiratesnbd.com · verified
Frequently asked questions
Is Emirates NBD licensed in the UAE?
Yes — our catalogue records Emirates NBD as holding UAE Central Bank — licensed. Always confirm the current licence scope on the regulator’s register before applying.
What Emirates NBD products can I compare here?
We track 2 Emirates NBD products: Emirates NBD Small Business Loan, Emirates NBD Business Connect. Each entry shows the published fees, requirements and approval details.
How do I apply for Emirates NBD?
Raqma is a comparison service — we do not process applications. Review the products on this page, then continue to Emirates NBD’s own onboarding through the outbound links.