Emirates NBD vs Zand Bank: what each publishes
As of October 17, 2026, Emirates NBD takes these industries by its own published rules: iGaming, with conditions. We hold no such rule from Zand Bank.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | Emirates NBD | Zand Bank |
|---|---|---|
| iGaming | With conditions | No published rule |
| Unlicensed financial services | No | No published rule |
| Crypto | No published rule | No published rule |
| Adult | No published rule | No published rule |
| AI and SaaS | No published rule | No published rule |
| Forex and CFD | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Where owners must live
Emirates NBD
It is open to all registered business entities operating in Trading, Manufacturing, Contracting, Transportation and Professional or any of the Service sectors in the UAE, wherein at least one signatory is a UAE resident.
Zand Bank
No published rule
Rules about countries
Emirates NBD
Eligibility criteria for a Business Banking package … Your business must be a legal entity operating in the UAE … You need to have a valid Trade License or Certificate of Incorporation from any of the UAE issuing authorities
Zand Bank
No published rule
Fees
Emirates NBD
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Connect | Not stated | AED 249 monthly maintenance fee; no minimum monthly average balance | · Source |
| Proprietor | Not stated | No maintenance fee; AED 250 in a month the average balance falls below AED 50,000 | · Source |
| Prime | Not stated | AED 99 monthly maintenance fee, plus AED 150 in a month the average balance falls below AED 50,000 | · Source |
| Preferred | Not stated | No maintenance fee; AED 300 in a month the average balance falls below AED 200,000 | · Source |
| Prestige | Not stated | No maintenance fee; AED 750 in a month the average balance falls below AED 500,000 | · Source |
| Platinum | Not stated | No maintenance fee; AED 1500 in a month the average balance falls below AED 3,500,000 | · Source |
Zand Bank
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Corporate account | Free to open ('Account Opening Free') | No monthly fee stated; minimum monthly average balance AED 250k, and a fee of AED 500 + VAT when the balance is lower ('If less than AED 250k a fee of AED 500 + VAT') | · Source |
Closing an account
Emirates NBD
The Bank will provide you with written notice as per Applicable Law before closing your Account, including reasons for the closure, unless the Bank is required to close your Account due to any suspected violation of Applicable Law or for prevention of fraud or financial crimes on your Account.
Zand Bank
We hold no quote from its terms on notice before closing.
Licence
| Licensee | Emirates NBD | Zand Bank |
|---|---|---|
| Licensee | Emirates NBD Bank P.J.S.C · bank licensed by the Central Bank of the UAE (register number 01.01.01.003.1963.02) | Zand Bank PJSC · bank licensed by the Central Bank of the UAE (30 June 2022, CBUAE register 01.01.01.064.2022.02) |
| Regulator | CBUAE · | Central Bank of the UAE · |