Emirates NBD (loans): verified facts and rating
Licensed since: 2007 Checked 2026-10-31
Score breakdown
100% backed by facts · How we rank
Emirates NBD (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference86%114%91% · median 100%
Support hours a week84 h168 h168 h · median 168 h
Maximum amount, % of country reference50%125%100% · median 100%
Longest term48 mo48 mo48 mo · median 48 mo
Emirates NBD (loans) strengths and weaknesses
Pros
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
- New customers can apply online
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 2007 Our journey began in 1963 with the establishment of the National Bank of Dubai (NBD), the first national bank of the UAE. On 6 March 2007, a strategic merger between NBD and Emirates Bank International (EBI) led to the formation of Emirates NBD. (год образования банка, не год лицензии) | emiratesnbd.com | 2026-10-31 |
| Licensed by the regulator | Yes Emirates NBD Bank PJSC is licensed by Central Bank of the UAE | emiratesnbd.com | 2026-10-31 |
| Published rate, % of country reference | 91% Interest Rate (Indicative) - Fixed: Starting from 4.99% up to 19.99% on reducing balance per annum. Annualised Percentage Rate (APR) (Indicative): Starting from 5.48% up to 20.99%. · reducing rate 4.99% (lower bound) · index 100 = 5.50% (median at launch) | emiratesnbd.com | 2026-10-31 |
| Free early repayment | No Early Settlement Fee: 1.05% of principal outstanding amount (max AED 10,500) | emiratesnbd.com | 2026-10-31 |
| No arrangement fee | No Loan Processing Fee (New): 1.05% of the loan amount (min AED 525 and max AED 2,625) | emiratesnbd.com | 2026-10-31 |
| Fees or terms published | Yes Personal Loan Fees and Charges (November 2023); Key Facts Statement - Personal Loan - Fixed Interest Rate | emiratesnbd.com | 2026-10-31 |
| Complaints procedure | Yes Raise a complaint. Contact our team who will log your complaint and provide you with a reference number. ... you have the right to refer your complaint to Sanadak. | emiratesnbd.com | 2026-10-31 |
| Online application for new customers | Yes Our application process, online eligibility check and instant pre-qualification takes only minutes; If you do not hold an account with us, the loan amount will be issued as a manager's cheque (help-and-support/apply-for-a-personal-loan) | emiratesnbd.com | 2026-10-31 |
| Support hours a week | 168 h Get 24/7 support. Need urgent assistance? Call us. Personal Banking UAE: 600 54 0000 | emiratesnbd.com | 2026-10-31 |
| Maximum amount, % of country reference | 100% Loan Amount: Up to AED 4,000,000 (UAE Nationals) / AED 2,000,000 (Expatriates) · max 4000000 AED · index 100 = 4000000 AED (median at launch) | emiratesnbd.com | 2026-10-31 |
| Longest term | 48 mo Loan Period: Min. 12 months (1 year) and Max. 48 months (4 years) | emiratesnbd.com | 2026-10-31 |
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