Personal Banking Beyond - Best Bank In Dubai And UAE
BEYOND from PERSONAL BANKINGBanking thatrewards you everystep of the wayemiratesnbd.com/beyond 800 ENBD (3623) SMS ‘BDLF’ to 4456
ContentsA life more rewarding.Beyond from Personal Banking.Over 100 BranchesOnline Bankingwith 200 transactionsOver 750 ATMsMobile BankingiOS, Android,Windows, BlackberryBon Appetit Discountsat over 1500 restaurantsBeyond from Personal Banking by Emirates NBD4- Transaction Banking Relationship6- Beyond Rewards Program8- Product Bundles10- Credit Cards10- Personal Loan Packages12- Overdraft Facility13- Auto Loan Packages14- Home Loans15- Savings15- Fixed Deposits16- Wealth and Bancassurance17- Foreign Exchange & Non-Resident Banking18- Daily banking Fair Use Policy21- Beyond from Personal Banking Value Chart22- Ways of Banking24Version 1.0Emirates NBD BEYOND from Personal Banking Page 3
Beyond from PersonalBankingEnjoy absolute peace of mind through a hassle free bankingexperience that ensures you get the “best value” from thebanking relationship i.e. both financially and emotionally.Imagine the time and effort put in for shopping around for discounts on loans and better rateson savings account and fixed deposits carrying multiple credit cards and keeping track ofdifferent billing dates and payments driving the extra mile to the exchange house to instantlyremit money to save on fees running after different insurance companies to find thebest savings plan, motor insurance, medical and lifecoverage for your familyAnd compare it with the simplicity and convenience offeredby the Emirates NBD Personal Banking Beyond relationship.We’re sure you will not want to settle for anything less.Saving for the FutureBorrowing NeedsDaily Transaction BankingPage 4 Emirates NBD BEYOND from Personal BankingDigital Service ChannelsWealth & InsuranceSocialMediaBanking Back HomeMobile AppLoyalty & RewardsOnlineBankingPhoneATMBranchPhysical Service ChannelsIt is the most comprehensive proposition that delivers notonly great product promotions but also combines service,loyalty and rewards.Emirates NBD BEYOND from Personal Banking Page 5
Transaction Banking RelationshipOpen a current account, transfer your salary and you willget amazing benefits such as: Free Entertainer booklet with vouchers worth over AED10,000 You will find vouchers for fine dining, hotel stays,leisure and entertainment to enjoy with your friendsand family Free transaction banking services* worth AED 1,000every calendar year 1 cheque book every calendar year 1 demand draft/manager’s cheque every calendarmonth Unlimited local and international remittancesthrough online banking and one free at branchesevery calendar month** First 3 Standing Instruction setups 10 teller transactions at the branch every calendarmonth E-statements, SMS alerts Free international ATM cash withdrawal above USD 200*Fair use policy applies; penal charges and regular debit card usage chargesare applicable.** Offer for limited promotional period; beneficiary and correspondent bankcharges if any will apply; please visit our website emiratesnbd.com for moredetails.Debit CardFree Platinum Visa Debit Card with a daily purchase & cashwithdrawal limit of AED 15,000 each Enjoy instant access to your funds and enhanced securitywhen you shop at over 25 million retail outlets or accessover 1 million ATMs worldwide with your Chip & PinDebit Card PIN2WIN fabulous daily cash prizes of AED 500, weeklyprizes of an Ipad, monthly prizes of quarter kilogramof gold and quarterly prizes of a Skoda Fabia MonteCarlo Car, when you use your Debit Card for all yourpurchases and paymentsPage 6 Emirates NBD BEYOND from Personal BankingEmirates NBD BEYOND from Personal Banking Page 7
Convenience of online & mobile banking with largestATM and branch network for service Use online and mobile banking to carry out over200 transactions including request for new productsand services, pay bills for over 26 major services,send money to loved ones, check your accountstatements in a matter of minutes Mobile banking applications are available through allthe main mobile operating systems like iOS, Android,Windows 8 and BlackBerry, both for smart phonesand tablets The bank’s online banking service is compatiblewith the latest internet browsers, powered with thehighest performanceBeyond Rewards ProgramIntroducing a simple and transparent loyalty rewardsprogram of winning prizes every month based only on yourproduct holding. You have a chance to win one of 7 prizeson offer every month: 1 prize of AED 10,000 dnata travel vouchers 2 prizes of 2 nights stay at Banyan Tree for couples 4 prizes of AED 2,500 worth of shopping vouchers atDubai MallAs a Beyond from Personal Banking customer you will getentries equivalent to the number of products held withEmirates NBD i.e. current account, savings account, fixeddeposit, credit cards, loans, insurance, foreign exchangetransactions in the monthly raffle draw without any otherterms and conditions on usage, ticket size etc. So if you havea salary transfer account and a credit card every month youwill be given 2 entries in the raffle draw while your friendwould get 4 entries every month if he has a salary transferaccount, credit card, auto loan and an insurance plan withEmirates NBD Personal Banking.The raffle draw will be done every quarter and winners willbe announced.The raffle draw is at sole discretion of the Bank and the Bank reserves theright to terminate the raffle draw without prior notice.Page 8 Emirates NBD BEYOND from Personal BankingEmirates NBD BEYOND from Personal Banking Page 9
Product bundlesIntroducing a unique concept of “soft bundle” i.e. anyfinancial product that is linked with your current account isnow available with guaranteed discounts on fees or upfrontbenefits at the start of your banking relationship.Credit cardsWith bank cards suited for your lifestyle and needs, you candine, relax, travel, and shop with fun and ease. And everytime you choose your card, you enjoy a host of privilegesand earn extra perks with our rewards program. There aremore than 10 different credit cards that are designed tomeet the diverse needs of UAE residents.Our recommendation is the Skywards Signature credit card.It comes with Dnata travel vouchers worth AED 3,000*.The type ofrewards** youare interestedin All credit cards come with a set of privileges such as diningdiscounts under our Bon Appetit program, 0% installmentplans, Balance Transfer Facility, leisure and entertainmentoffers and Visa offers.As part of our soft bundle offer, you will get a guaranteeddiscount on Balance Transfer Facility in the first year ofyour banking relationship: 50% processing fee discount in the first 3 months from thetime of establishing a salary transfer relationship 25% processing fee discount in the 4-12 months from thetime of establishing a salary transfer relationship*AED 1,000 Travel Voucher on payment of the joining fee. AED 2,000 TravelVoucher on cumulative retail spending of USD 10,000 within the first threebilling statements.Our Credit Cards to considerSkywards Signature Card: Skywards Bluemembership and earn up to 1.5 miles per 1USD spendTravelDnata World Card: earn up to 2% rewardson retail spends, 10% rewards on duty freeshopping and 15% rewards on Dnata spendsDiners Club Card: unlimited complimentaryairport lounge access worldwide. For everyAED100 retail spend on your card, you willearn 20 Club Rewards that can be redeemedas gift vouchersGo4it Platinum Card: RTA benefits related toNOL, Salik. Earn 5x Plus Points on weekendsand RTA spendsRewardsOnlineshoppingPlatinum Card: up to 2% cash back on yourspendsManchester United Card: Red Box gift onAED 2k spend in the first 2 billing cycles. Earn2x Red Points on international spend, 5x RedPoints on dining spends and 10x Red Pointson sports goods stores; opportunity to winpriceless experiencesWebshopper: online only transactions**For full details please visit our website at emiratesnbd.comPage 10 Emirates NBD BEYOND from Personal BankingEmirates NBD BEYOND from Personal Banking Page 11
Personal Loan PackagesWe offer different type of loan packages, at competitiverates, that are designed to provide a helping hand or meetyour financial goals e.g. new to UAE or new employment,salary transfer loans, end-of-service benefit backed loans,home improvement, special loans for UAE Nationals, etc.The personal loan package includes Enhanced Credit LifeInsurance* and comes with low processing fees. As partof our soft bundle offer, you will get a guaranteeddiscount of 20% on the Credit Life Insurance fee forloan amounts above AED 200,000. This offer is valid for3 months from the time of establishing a salary transferrelationship with Emirates NBD Personal Banking.We also do risk based pricing that ensures our customersenjoy the lowest interest rates on their personal loans,based on their transaction behavior on current accounts,credit card use and other payments. To take benefit of ourpricing policy you only need to maintain your salary transferrelationship for at least 12 months and let your goodbanking behavior negotiate the best rate for you.* We are the only Bank to offer the dual benefit of loan coverage. Thismeans that not only is the loan repaid to the Bank by the insurance company,but the equivalent amount is also given to the next of kin in the event ofunforeseen circumstances.Overdraft FacilityIn times of a temporary cash shortfall, Overdraft fromEmirates NBD gives you the power to draw against yoursalary or Fixed Deposit for a much needed instant cashsupport. Take advantage of this unique Overdraft Facilityand confidently manage your expenses or honour yourfinancial commitments.As part of our soft bundle offer, you will get aguaranteed discount of 100% on the overdraft setupfee. This offer is valid for 3 months from the time ofestablishing a salary transfer relationship with Emirates NBDPersonal Banking.Page 12 Emirates NBD BEYOND from Personal BankingEmirates NBD BEYOND from Personal Banking Page 13
Auto Loan PackagesHome LoansGet everything you need for the drive of your dreamswith Emirates NBD’s auto loan. We offer a range of loanvariants, and find the one that suits your needs e.g. regularauto loan, FD backed auto loan, Staggered installmentplan, Balloon buy-back program. All loans come with AutoProtect* cover that make it the most comprehensive autoloans offer in UAE.Come home to a home of your own, with finance availablefrom a wide choice of reputable developers as well as forself-construction and private villas in both Dubai andAbu Dhabi.As part of our soft bundle offer, you are eligible for a0.25% discount on the 2 year fixed intro rate pricing.This offer is valid for 3 months from the time of establishingrelationship with Emirates NBD Personal Banking.SavingsOur priority at Emirates NBD is to make banking easy for allour customers. Choose from our range of savings accountsthat allow you to plan your finances your way e.g. regularsavings account, tiered saving accounts, foreign currencysavings accounts, online Smart Saver account, ManchesterUnited savings account, Shake n Save account and ShariahCompliant Mudarabah Savings account.As part of our soft bundle offer, you will get aguaranteed bonus interest* on the regular AEDsavings account provided you take a new personalloan, auto loan or home loan from Emirates NBDPersonal Banking. This feature will be available fromJanuary 1st, 2015.Qualification Details: The bonus interest rate will be given only for a 2 yearperiod counted from the date of taking the first new loan The savings balance considered will be capped at the loanamount or AED 500,000 whichever is lowerAs part of our soft bundle offer, you will get aguaranteed discount of 50% on the auto loansprocessing fee. This offer is valid for 3 months from thetime of establishing a salary transfer relationship withEmirates NBD Personal Banking. Minimum loan ticket size for Personal Loan is AED100,000 and loan top ups will not qualify for bonusinterest scheme* Auto Protect is the first-of-its-kind initiative in the industry – it offers loanprotection, family protection and disability protection all under one policy,with world-wide coverage. Premiums are relatively low on Auto Protect,making the credit protection plan affordable to all. Minimum loan ticket size for Home Loan is AED 1 Millionand loan top ups will not qualify for bonus interestscheme Minimum loan ticket size for Auto Loan is AED 50,000 This offer is only available on AED savings account*Regular interest rate on the savings account is 0.25%. Bonus interest will be0.15%. Interest payout is based on minimum monthly balance maintainedand paid on a semi-annual frequency.Page 14 Emirates NBD BEYOND from Personal BankingEmirates NBD BEYOND from Personal Banking Page 15
Fixed DepositsWealth and BancassuranceHave you thought about long-term savings that will growto make your dreams come true? Then Emirates NBD FixedDeposits is the perfect solution to make your money workas hard as you do.Life is full of surprises and the best way you can deal with themis by being prepared. With our life and savings plans, you can berest assured that you are financially secure, at all times.We want to make things as simple and convenient aspossible. We’ll give you the security, liquidity and flexibilitythat you’re looking for as well as a range of depositproducts with different interest rate tiers, so you can choosethe ones that best suit your needs.The same extends to interest payment options. You canget your interest regularly as an income stream, or put theinterest back into your deposit for another term.Take a look at some of our Fixed Deposit products to helpyou choose the one that’s best for you.We offer Standard Fixed Deposits, FlexiDeposit, GoalRecurring Deposits, RegulaReturn Deposits and Islamic Termdeposits.As part of our soft bundle offer, you will get anadditional guaranteed 0.10% over the applicablepromotional rate on the first Fixed Deposit (allvariants, excluding Islamic & Recurring Deposits) withminimum amount of AED 100,000. The Fixed depositrenewal/rollover will happen on rack rate.This offer applies to only dirham denominated deposits.Page 16 Emirates NBD BEYOND from Personal Banking Beginning your career stage Save for future with education/marriage plans Savings plan for retirement Protect yourself from uncertainty with term, accident &health plans and critical illness plans Securing the future for family Children’s education plans Retirement plans Joint life plans and Protection plans for the family Wealth protection High value insurance plans and lump sum investmentplans Retirement plans and lifestyle protector plans Capital protected investments Universal life insurance plans Roam the world with travel insurance plansEmirates NBD BEYOND from Personal Banking Page 17
General InsuranceProducts such as home content, travel insurance and motorinsurance are also available. We also offer Gold saving certificatesand Gold saving account.As part of the soft bundle offer, you will qualify to receiveguaranteed premium waivers* for any MetLife producttaken during the first year of your banking relationshipTerminals 1 & 3 or simply do the exchange at our branches atcompetitive rates Western Union: Instant money transfer to over 500,000agent locations worldwide through Online, Mobile Bankingand ATM network 2 monthly premium waiver when product is taken in the first3 months of opening salary transfer account 1 monthly premium waiver when product is taken between4-12 months of opening salary transfer account*in case of product cancellation before the ICP period Bank reserves the rightto recover the waived premium amount.Foreign Exchange & Non-residentBankingWhether you work abroad or conduct a lot of businesswhich requires foreign currency transactions, with EmiratesNBD, you can enjoy a full range of Foreign Exchangeservices and solutions that will meet your every need.We offer competitive exchange rates and free transactionsthat make doing remittances through Emirates NBDextremely attractive compared to shopping around for ratesand standing in queues at exchange houses. Just remitmoney from your mobile or online banking on your tablet. Transfers: instant & free account to account transfer withinEmirates NBD through online, mobile banking, phonebanking and even branches Direct Remit: Send money in 60 seconds using DirectRemit toour partner Banks through online and mobile banking Telegraphic transfers: Send local and international transfers;ability to instantly register beneficiaries online that givesyou 100% privacy, fully secure with email confirmations ontransaction completion. Transactions done during standardworking hours allow same day credit. Also, receive moneyfrom any location and get credit in your account for free andget immediate SMS alerts Foreign currency cash: conveniently order your preferredforeign currency online and collect at Dubai Airport (DXB)Page 18 Emirates NBD BEYOND from Personal BankingEmirates NBD BEYOND from Personal Banking Page 19
NRI PropositionDaily Banking Fair Use PolicySet up a standing order for regular remittances, so yourfamily can count on your financial support on time, all thetime. You can also trade online on the Indian stock market.Take advantage of a host of other services when you openan ICICI Bank NRI Account.Enjoy free daily banking within the defined fair use policy.Please note that we have excluded some routine charges fromthe fair use policy. For further details please visit our website.Features & BenefitsChargesAccount MaintenanceSalary transferFor all your banking needs, you need only one account –the ICICI Bank NRI services at Emirates NBD offer a suite ofbanking solutions packed with power features, such as:Savings Online bankingTeller transactions Attractive interest rates on NRO, NRE and FCNR fixed depositsCheque Book (25 leaves) Online bill payment facilityCopy of old cheques Real time trading on Indian stock market throughICICIDirect.comNRL PropositionLebanese expatriates in the UAE will find this two accountsin-one offer a great banking solution.Features & BenefitsThe Non-resident Lebanese Package consists of two bankaccounts - one with Emirates NBD and the other withBank of Beirut (BoB) s.a.l., - that offer a world of bankingprivileges: It can be opened with any of the 40 branches of Bank ofBeirut s.a.l. throughout Lebanon FREE Online Banking “BoBOnline” and Phone Banking“BoBDirect” services No minimum opening balanceDetailsTelegraphic transfers/remittancesDemand draft/manager's chequeLocal currency within UAE (SHA) throughbranchLocal currency within UAE (BEN) throughbranchLocal currency within UAE (OURS) throughbranchLocal currency remittance through onlinebanking, mobile banking and ATMForeign currency remittance through branchForeign currency remittance through onlinebanking, mobile banking and ATMDirectRemit to IndiaInward RemittanceStanding instruction setup chargesInternational ATM cash withdrawalStop payment - for cheques, demand draft/manager's chequeAccount Balance certificate/Accountreference charges1 Free transaction per calendar monththereafter AED 251 Free transaction per calendar monththereafter AED 251 Free transaction per calendar monththereafter AED 251 Free transaction per calendar monththereafter AED 50Free. No limit1 Free transaction per calendar monththereafter AED 70Free. No limitFree. No limitFree. No limitFirst 3 setups free thereafter AED 40Free above USD 200 else AED 201 request per calendar quarter Freethereafter AED 50 per transaction1 request per calendar quarter Freethereafter AED 40 per requestIn addition several other transactionscontinue to be freeCharges that are not covered under Freedaily banking and fair use policyCheque returnAccount closure (first year)Debit card replacementForeign currency debit card transaction feeSI failed instructionATM/Debit card charges (all types)Liability/No Liability letterSafety deposit locker (all sizes)TC purchasePage 20 Emirates NBD BEYOND from Personal BankingFree. Till the salary is being creditedevery monthFree. The minimum balance fee willbe waived for 3 months if the averagebalance falls below AED 3,000thereafter non-maintenance fee ofAED 25 per month will apply10 transactions every calendar monthFree thereafter AED 10 per transaction1 cheque book Free every calendar yearthereafter AED 201 request per calendar quarter Freethereafter AED 20 per requestAED 100AED 100AED 251.84% of transaction valueAED 25AED 1 to 6AED 100AED 750 to AED 2,500AED 20Emirates NBD BEYOND from Personal Banking Page 21
BEYOND from PERSONAL BANKINGValue ChartProductCurrent AccountFree transactionBankingSkywards Credit CardSavings AccountFixed DepositCredit CardPersonal LoanAuto LoanHome LoanOverdraft FacilityInsurance**Pin2WinLoyalty RewardOffer0.15% higher interest on averagebalance0.10% higher interest on averagebalance50% Processing Fee discount on Balancetransfer (12 months 0%)20% discount on CLI on loan ofAED 200,00050% discount on Processing Fee on loanof AED 120,0000.25% interest rate reduction on loan of1 Million100% discount on Processing FeePremium waiverMultiple prizesMultiple prizesGrand TotalLife 0007025254040201261234840150258012080Entertainer BookletForeign RemittancesLocal RemittancesCheque BookDemand DraftStanding InstructionsInternational ATMCash withdrawalTotal"Travel vouchers: AED 3,000Other card benefits: AED 6,450”First 0034,511104,916Illustrative only. Based on assumed product uptake/usage. The value may vary for each customer.*10 year period**estimated monthly premium of 2,500 for insurance product taken with 2 month waiver offerPage 22 Emirates NBD BEYOND from Personal BankingEmirates NBD BEYOND from Personal Banking Page 23
Ways of BankingOur commitment to providing excellent service and innovativeproducts has made us the leading retail banking franchise in theUAE. As such, we continuously strive to explore new ways ofenhancing your banking experience.Online BankingFree, secure and easy to use. Simply register and enjoy usingour Online Banking service to manage your accounts, loans &cards and apply for banking products.Mobile BankingBanking on-the-go has never been this easy. Experience superiorbanking convenience on your smartphone or tablet with ouraward-winning Mobile Banking application.ATM BankingCash transactions at your convenience. Enjoy the ease andcomfort of having full access to the largest ATM network in thecountry.Phone BankingSupport and assistance always available 24/ 7. Just dial our 24hour Call Centre for prompt automated service or personalizedassistance from our friendly Phone Banking officers.BranchesWith more than 100 branches across the UAE, we are alwaysclose to you. Get personalized banking and financial advice thatmeets your needs.General Terms & ConditionsPlease visit our website emiratesnbd.com for latest anddetailed terms and conditions. We refresh our terms andconditions periodically.*All offers mentioned in this booklet cannot be combined with any otherpromotional offer. Bank reserves the right to remove the offer without priornotice. All loans and credit cards are granted at the sole discretion of the bank.For more details visit emiratesnbd.com/beyondPage 24 Emirates NBD BEYOND from Personal Banking
on retail spends, 10% rewards on duty free shopping and 15% rewards on Dnata spends Diners Club Card: unlimited complimentary airport lounge access worldwide. For every AED100 retail spend on your card, you will earn 20 Club Rewards that can be redeemed as gift vouchers Rewards
Northern Bank & Trust Co. Patriot Community Bank People's United Bank Pilgrim Bank Radius Bank RTN Federal Credit Union Santander StonehamBank TD Bank The Cooperative Bank The Savings Bank The Village Bank Walpole Cooperative Bank Wellesley Bank Winchester Co-operative Bank Abington Bank Bank of Canton Blue Hills Bank Boston Private Bank & Trust
M/s G.M. Kapadia & Co., Chartered Accountants Bankers HDFC Bank Ltd. (Primary Banker) Axis Bank Ltd. Bank of Baroda Bandhan Bank Ltd. Citibank N.A. CSB Bank Ltd. DCB Bank Ltd. Deutsche Bank ESAF Small Finance Bank ICICI Bank Ltd. IDFC Bank Ltd. Indian Bank RBL Bank Ltd. Saraswat Co-op Bank Ltd. State Bank of India Suryoday Small Finance Bank Ltd.
10. HDFC Bank Limited 11. ICICI Bank Ltd 12. Indian Overseas Bank 13. ING Vysya Bank 14. Kotak Bank -Virtual card 15. Shivalik Bank 16. Standard Chartered Bank 17. State Bank of Bikaner and Jaipur 18. State Bank of India 19. State Bank of Mysore 20. State Bank of Travencore 21. Syndicate Bank 22. The Federal Bank Ltd 23. The Karur Vysya Bank Ltd
PERSONAL ONLINE, MOBILE AND TELEPHONE BANKING Online Banking As part of the conversion, your Farmers National Bank online banking will be converted to FirstBank online banking. Farmers National Bank online banking will be unavailable after May 15. You'll have FirstBank online banking access beginning Monday, May 18, at 8 a.m. CT. Unless you .
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866-BANTERRA (226-8377) Banterra.bank MEMBER FDIC REV 7/2022 BANTERRA BANK SERVICES PERSONAL BANKING Personal Checking Personal Savings CDs & IRAs Mortgage & Equity Digital Banking Personal Loans BUSINESS BANKING Business Checking Business Savings Business & Agricultural Lending
Bank accounts completed after 8 PM (Pacific Time) on a business day or on a Saturday, Sunday or banking holiday will be posted on the next business day. For transfer cutoff times related to the Online Banking Bank-to-Bank Transfer Service please refer to the terms and conditions of the Online Banking "Bank-to-Bank Transfer Service Agreement".
State Bank of India State Bank of Mysore State Bank of Patiala State Bank of Travancore Syndicate Bank Tamilnadu Mercantile Bank TNSC Bank UCO Bank Union Bank of India United Bank of India Vijaya Bank YES Bank . Instruction to follow during first time use of Karur Vysya
