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Twin Benefit Account

Twin Benefit Account

Enjoy the flexibility of a transactional account while growing your assets with this all-in-one deposit and current account.

You can have access to the considerable benefits of the NBF Twin Benefit Account by maintaining an average monthly balance of AED 15,000*.

*A fall below fee of AED 75 applies if this is not maintained.

Product Features

  • Interest on your account - the higher your balance, the more you earn
  • Interest rate of up to 1.25% per annum
  • Access to AED and USD currencies
  • Standing instructions and remittance facilities
  • You can also avail:
    • Free ATM withdrawal from any ATM in UAE
    • Unlimited free branch transactions
    • Credit card facilities
    • Salary advance facilities
    • SMS services
    • Mobile Banking services
    • Free monthly account statement
    • Free international ATM / debit card
    • Access to your account through multiple channels


Required Documents

When you visit an NBF branch, you'll need to complete an account application form. You’ll also need to provide (where applicable):

  • A copy/copies of your passport(s), along with your original passport(s)
  • Valid residence visa (for non-UAE Nationals)
  • Emirates ID card
  • Salary certificate (in case of salary transfer accounts), OR:

- Appointment letter/copy of your contract
- Pay slip (less than three months old)
- Consolidated letter from HR (for bulk account applications)
- Most recent statement of the bank account to which your salary is being  transferred

  • Original trade license (if you are self-employed)

Frequently Asked Questions

Am I eligible for a zero balance account?

NBF works on relationship-based banking. In order to enjoy a zero balance account, you must have your salary transferred into your NBF account monthly. Alternatively, based on your existing relationship with NBF, you may be eligible for a zero balance current account.

How is interest generated?

Interest is based on the average monthly balance maintained in the account. Interest is paid only on balances exceeding AED 50,000. Note: NBF reserves the right to change interest rates at any time.

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