Emirates NBD

Universal bank · Dubai, United Arab Emirates

Emirates NBD is the largest bank in Dubai and is 56% indirectly owned by the Government of Dubai. It reported total assets of AED 1.16 trillion for 2025 and runs 787 branches across 13 countries. Of those branches, 575 belong to DenizBank in Türkiye, with 107 in the UAE, 64 in Egypt and 22 in Saudi Arabia. In June 2026 it completed the purchase of a 60% stake in India's RBL Bank for USD 2.75 billion. Business packages start at an AED 25,000 minimum monthly balance with an AED 150 fall-below fee.

Legal name: Emirates NBD Bank PJSC
Regulated by: Central Bank of the UAE (CBUAE), BDDK (Türkiye, DenizBank), Saudi Central Bank (SAMA), Central Bank of Egypt, Reserve Bank of India, FCA/PRA (London branch), MAS (Singapore branch)
Licence confirmed: yes, on a regulator's own list
Established: 1963
Website: www.emiratesnbd.com

Scores, 0 to 10

10.0Middle East & Gulf

Largest bank in Dubai with 107 UAE branches, 22 in Saudi Arabia, 64 in Egypt and business accounts from AED 25,000. · source

8.5Financial strength & stability

Moody's A1 (May 2025), Fitch A+ (May 2026), CET1 14.4% and 56% indirect Government of Dubai ownership. · source

8.0Trade, manufacturing & import-export

Documentary credits, guarantees, supply chain finance and receivables finance across a 13-country network. · source

7.0Latin America, Africa & South Asia

DenizBank has 575 branches in Türkiye, Egypt has 64, and a 60% stake in India's RBL Bank closed in June 2026. · source

7.0Cross-border payments, FX and multi-currency accounts

Group network in 13 countries with SWIFT, businessONLINE and local presence in Türkiye, Egypt, KSA and India; margins not published. Transaction banking spans 13 countries with cash management, trade and supply chain finance for corporates. · source

7.0Business cards (Visa, Mastercard)

Business packages include free Visa Business, Platinum or Signature debit cards with a 1.99% international transaction fee and AED 26.25 replacement, plus business credit cards; virtual cards are not mentioned. · source

5.5Crypto-friendly bank

Retail crypto trading runs on Liv X since March 2025 via Aquanow, but no policy for onboarding crypto businesses is published. · source

5.0Fast digital onboarding

Applications start online but need trade licence, Emirates IDs, MoA and six months of statements; opening time is not published. · source

5.0Online businesses: e-commerce and SaaS

Launch participant of the Aani instant payments platform in October 2023; merchant acquiring terms are not published. Digital application, businessONLINE and an online-only package at AED 249 a month with no minimum balance, but no API or Stripe integration for software firms. · source

5.0On-ramp: buy crypto with fiat

Direct crypto buying is retail only through Liv X, and UAE central bank guidance bars banks from dealing with unlicensed VASPs; Emirates NBD publishes no policy for companies paying licensed exchanges. · source

5.0Off-ramp: crypto to fiat in a business account

A 2026 legal guide reports the bank accepts fiat proceeds from licensed UAE exchanges with documented source of funds but usually rejects wallet transfers without an exchange trail, with private banking onboarding taking 8-14 weeks. · source

4.5Fintech companies that need a partner bank

Innovation Fund invested in Zodia Custody in 2024 and the bank was an Aani launch participant; no safeguarding programme is published. · source

4.5Startups & VC-backed companies

Startups are handled as SMEs with AED 25,000 minimum balance after the E20 startup app closed in 2023. · source

4.5Customer satisfaction

The ENBD X app is rated 4.7 out of 5 from 18K ratings on the US App Store. The Trustpilot profile for emiratesnbd.com scores 1.8 from 1,446 reviews. · source

4.5Foreign-owned & non-resident companies

Packages require a valid UAE trade licence or certificate of incorporation, with minimum balances from none (AED 249 a month online package) to AED 200,000 and a few days of validation. · source

4.0Europe (EU, EEA, Switzerland)

DenizBank AG runs 10 branches in Austria and 3 in Germany, serving corporate and retail deposit clients. · source

4.0United Kingdom

One London branch serves corporate, private banking and institutional clients, not UK SMEs. · source

4.0Asia-Pacific (SG, HK, AU, JP, KR)

One Singapore branch plus representative offices in Jakarta and Beijing, all corporate-focused. · source

4.0Lowest fees

Business packages need AED 25,000 to AED 3.5 million balances with fall-below fees of AED 150 to AED 1,575. · source

4.0Crypto wallet and custody for a business

Crypto sits in the group's retail digital bank Liv, where since March 2025 personal customers buy, hold and sell crypto in the Liv X app through VARA-licensed Aquanow with custody by Zodia Custody; no crypto holding for business accounts was found. · source

4.0Bitcoin

BTC can be bought and held only by personal customers in the Liv X app, not in an Emirates NBD business account, checked September 2026. · source

4.0Ethereum

ETH is available only to personal Liv X users through Aquanow, with no business account access or staking, checked September 2026. · source

3.5Best interest on business balances

Business packages list account features but publish no interest rate on business balances. · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No prohibited-industries list for business accounts is published on the business banking pages; scored conservatively. · source

3.0Stablecoins (USDC, USDT and others)

Emirates NBD holds reserves for USDU, the first USD stablecoin approved by the UAE central bank in January 2026, but offers no stablecoin accounts or payouts to its business clients. · source

1.0Accept crypto payments

Neither the Liv crypto page nor the group's crypto announcements offer merchants a way to accept crypto, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.