Elite Gold Savings Account

So much more than a savings account

NBAD Elite Gold Savings Account

Tiered interest rate savings account for NBAD Elite Gold customers


  • First international remittance free per month
  • Earn NBAD Stars on purchases with your debit card
  • 4 free international and GCC ATM cash withdrawals per month

Enjoy a range of privileges and a uniquely personal banking experience


  • Start with an initial deposit of minimum AED 100,000 (Deposit balance should be AED 370,000 within six months) OR Salary transfer of a minimum AED 75,000 OR Mortgage of AED 5 Million OR Insurance policy of USD 2000 per month.

Required documents

  • Salary certificate
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)

Note: Additional documents may be required depending on case-by-case basis at the sole discretion of the Bank

Fees and charges

*Initial deposit can be placed in any NBAD Elite Gold Product i.e. Elite Gold Current Account or Elite Gold Savings.

S.No. Charge Description Frequency Value
A. Account services
1 Minimum Balance requirement Daily Nil
2 Initial deposit* (for non salaried customers)
Per account AED 100,000
3 Account monthly charges
Monthly   Free
4 Low balance charge Monthly Free
5 Account closure fee (if closed within 1 year of opening)
Per request
AED 50
6 Statement of account
Per cycle Free within the agreed cycle, AED 25 outside the cycle
7 Teller charge (A/c to A/c transfer, cash withdrawal, cash deposit, cheque deposit etc)
Per item 6 free per month, AED 10 afterwards
8 Utility branch payment Per item 4 free per month (AED 10 per transaction afterwards)
9 Release (clearance) letter Per request
AED 50
B Funds transfer fee
1 By Demand Draft, Payment Order through
Central Bank (postage included)
Per payment AED 25
2 By SWIFT Transfer in Foreign Currency Per payment AED 100/- for AUD, EUR, USD and
AED 80/- for remaining currencies
3 Within NBAD branches   Per payment Nil
4 By Manager’s Cheque Per item AED 30
C Standing instruction fee
1 Standing Instructions Establishment Fee Per request
2 Amendment Fee (excl. requests to defer/postpone payment) Per request AED 25
3 Standing Order favouring charity organisation within UAE Per payment Nil
D Elite Gold MasterCard Debit Card
1 Issuing fee (for primary card)
Per item
2 Issuing fee (for supplementary card) Per item
3 Replacement for lost/ stolen card
Per item Free
4 Cash withdrawal fees on NBAD & Non-NBAD ATMs in UAE Per transaction
5 Cash withdrawal fee on GCC Switch ATMs** Per transaction AED 6 + 2% of transaction amount as FX charges
6 Cash withdrawal fee on International ATMs** Per transaction AED 15 or 2.5% of withdrawn amount whichever is higher + 2% of transaction amount as FX charges
7 Balance enquiries on NBAD ATMs in the UAE Per request
8 Balance enquries on Non NBAD ATMs in the UAE
Per request AED 1
9 Declined transactions on Non NBAD ATMs  in the UAE
Per transaction
10 Balance enquiry on GCC net ATMS Per request
11 Uncollected card destroyed by bank
Per item NIL
12 Copy of sales slip
Per request AED 25

**Free international and GCC ATM cash withdrawals (4 per month).
#1 free international remittance per month (AED Accounts only).


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