Overdrafts

Our overdraft facility provides a flexible and revolving credit facility.

Be ready for life’s surprises with a Lifeline Overdraft to cover your short-term lending and cash flow needs

  • Attractive limits

    Up to 2 times your salary up to AED 50,000 Interest charged on utilization only

  • Annually renewable 

    Facility extended on your Current Account

  • Cash when you need it

    Withdraw it using your NBAD Debit Card

NBAD Tools & Calculators

IBAN Generator & Instalment Calculators

Browse our collection of useful tools and calculators to help you plan your finances.

Know more

Required documents

  • Salary Certificate / Salary Transfer Letter
  • Completed and signed Lifeline Application Form
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)

Fees and charges

Processing Fees AED 200
Processing Fees on loan top ups 1% of the top-up amount (min. AED 500, max. AED 2,500)
Loan Cancellation Fee AED 100 (if cancelled before disbursal)
Life Insurance Fee 1% upfront on all approved loan amount
Installment Deferral Fee    AED 100 per deferral
Late Payment Fee 2% of overdue amount (min. AED 50, max. AED 200)
Loan Rescheduling Fee AED 250
Early Settlement Fees   1% of amount prepaid (if partial settlement)
1% of amount outstanding (if full settlement)
1% of amount outstanding, max AED 10,000 (in case of buyout)

Borrow, invest or save with NBAD

View our wide range of products, including credit cards, mortgages, investment funds and more.

* Terms and conditions apply. All rates quoted are p.a. on reducing loan balance.

Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

800 22 11

International Helpline

+971 2 635 8001

Email Us

We'll answer your query as soon as possible