Welcome to Dhabi Nations Bank

Elite Savings Account


  • Multi-currency accounts with no minimum balance requirement available.
  • Earn competitive interest rates**
  • First international remittance waived per month (only DNB charges are waived for remittances from AED accounts)
  • Tiered interest rates on AED savings accounts:
  • Elite Savings Account
  • (Average Balance)
  • Basic Savings Rate (Per Year)
  • Additional Interest (Per Year)
  • Effective Interest Rate (Per Year)
  • < AED 100K: 0.02% | 0.00% | 0.02%
  • AED 100K to < AED 500K: 0.02% | 0.025% | 0.045%
  • >= AED 500K: 0.02% | 0.05% | 0.07%


  • Elite eligibility requires a Total Relationship Balance (TRB) of 500,000 AED, a Mortgage of 2,500,000 AED, or a Salary Transfer of 50,000 AED.
  • The TRB includes the sum of current/savings/call account balances, fixed deposits, and investments.

Required documents

  • The completed account opening form
  • Copy of a valid passport/resident visa/Emirates ID (originals must also be presented)
  • Proof of income

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

Debit card benefits

Your Elite Savings Account includes a complimentary Elite World Mastercard debit card, ensuring convenient access to your funds.

  • Enjoy high daily ATM cash withdrawal limits (up to AED 25,000) and purchase limits (up to AED 75,000).
  • Benefit from free cash withdrawals at any UAE ATM.
  • Avail four complimentary cash withdrawals monthly from ATMs outside the UAE.
  • Access exclusive benefits and preferential treatment worldwide as a World Mastercard holder.
  • For online purchases, our DNB debit card provides peace of mind with insurance coverage of up to USD 1,000 per year for undelivered, incorrect, or damaged items within 30 days of delivery.

DNB Rewards

Rewarding in every way

With your Elite Savings Account, you’ll earn DNB Rewards every time you use your debit card for spending.

  • Earn 60 DNB Rewards for every AED 100 spent domestically and 120 DNB Rewards for every AED 100 spent internationally.
  • Enjoy immediate redemption with a diverse array of rewards, including shopping, cashback, utility bill payments, dining, or holiday bookings.
  • Access exclusive lifestyle rewards through our World Mastercard debit card. Click here for more details.

Debit card daily limits

  • ATM cash withdrawal limit AED 40,000
  • Retail purchase transaction Limit AED 75,000
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