Etihad Guest – عربي

Etihad Guest Account

Get the best out of your banking and travel experiences


  • Earn 1.5 Etihad Guest Miles for every AED 1,000 on your average monthly balance
  • Earn 500 bonus Miles each on your first salary transfer and first debit card purchase
  • 10% discount on Etihad Holidays with your Etihad Platinum Debit Card


  • Available to UAE residents only
  • Minimum monthly salary requirement of AED 10,000
  • If you're not going to deposit your salary with us, we will need a minimum initial deposit of AED 10,000

Required documents

  • Proof of income
  • Copy of a valid passport/visa/Emirates ID – original documents must also be presented

Note: additional documents may be required on a case-by-case basis

Fees and charges

Charge Description Frequency   NBAD Etihad Guest Account  
Account Services
Minimum Balance Requirement   Monthly   NIL  
Initial Minimum Deposit   Per account   AED 10,000
Salary transfer of AED 10,000 and above  
Low Balance Charge   Monthly   NIL
Account Closure Fee   Per request   AED 100 (if closed within 1 year);
NIL (if closed after 1 year)
Statement of Account Per request   Free within the agreed cycle, AED 25 outside the cycle  
Teller Charge (A/c to A/c transfer, cash withdrawal, cash deposit, etc.)   Per item   6 free per month, AED 10 afterwards  
Utility Payment (at branch) Per item   AED 10 per transaction  
Release (Clearance) Letter   Per request   AED 50  
Interest on Debit Balance Monthly minimum charge 18% p.a.(min AED 175 p.m.)**  
Processing Fee for Overdraft   At setup AED 200
Payment Execution
Demand Draft   Per payment   AED 25  
SWIFT Transfer in Foreign Currency   Per payment   AED 100 for AUD, EUR, USD and AED 80 for remaining currencies. AED 100 additional for pay in full instructions. (First transaction in a month free)  
Within NBAD Branches   Per payment   NIL
Manager's Cheque   Per item   AED 30
Standing Instructions  
Standing Instructions Establishment Fee   Per request   AED 50
Amendment Fee (excl. requests to defer/ postpone payment)   Per request   AED 25  
Standing Order Favouring Charity Organisation within UAE   Per payment   NIL
First Cheque Book (at time of account opening)     NIL  
Delivery of Cheque Book by Courier Per item AED 25
Collection of Cheque Book at Branch Per item AED 50
Cheque Collection Fees (inside the UAE)   Per item AED NIL
Undelivered Cheque Book Destroyed   Per item AED 50  
Returned Cheque Fees (when deposited into your account)   Per item   NIL  
Returned Cheque Fees (when drawn on your account)   Per item   AED 100  
Stop Payment Instructions (cheque)   Per item   AED 50  
Special Clearing of Non-NBAD Cheque   Per item   AED 100  


Schedule of Charges - Etihad Guest Platinum Debit Card
Issuing Fee (for primary and supplementary card) Free
Replacement for Lost/Stolen Card AED 25
International Transaction Fee/Currency Conversion Fee 2%
Cash Withdrawal Fees on NBAD ATMs in the UAE Free
Cash Withdrawal Fees on non-NBAD ATMs in the UAE AED 2*
Cash Withdrawal Fees on GCC Net ATMs AED 6
Cash Withdrawal Fees on other Bank ATMs (internationally) AED 15 or 2.5% of withdrawn amount
Balance Enquiry on NBAD ATMs in the UAE Free
Balance Enquiry on non-NBAD ATMs in the UAE AED 1
Balance Enquiry on GCC Net and other Bank ATMs (internationally) AED 3
Declined Transactions on NBAD ATMs in the UAE Free
Declined Transactions on non-NBAD ATMs in the UAE and GCC AED 1
Declined Transactions on other Bank ATMs (internationally) AED 3
Copy of Sales Slip AED 25

*First 2 transactions within the UAE will be free (per month)

**Effective 25 May 2018, interest on debit balance will be revised from 18% p.a. to 19% p.a.

Earn double Etihad Guest Miles on Etihad Airways or Etihad Airways Partners using your Etihad Guest Platinum Debit Card


Click here to insert your account details and generate your IBAN

International Banking Account Number

Discover other Etihad Guest products

View our range of Etihad Guest credit cards, accounts and loans

Contact Us

Visit Us

Visit a branch to discuss your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

600 52 5500

International Helpline

+971 2 6811511

Email Us

We'll answer your query as soon as possible