KYC, or Know Your Customer, is a verification process banks use to confirm the identity and address of their clients. It helps ensure that customers are who they claim to be and protects the bank against fraud. Emirates NBD, like all UAE banks, follows this mandate for regulatory compliance and risk management.
By collecting essential documents, the bank establishes a trustworthy customer profile, enabling safe banking transactions. This process applies to both individuals and business entities using banking services.
Why It’s Mandatory at Emirates NBD?
At Emirates NBD, KYC is mandatory to meet UAE Central Bank regulations under anti-money laundering and anti-terror financing laws.
The bank must ensure all clients are verified before continuing services. If your KYC is not updated, the bank may restrict or suspend account operations.
Regular KYC updates also help maintain accurate records and minimize risks. Emirates NBD uses this process to safeguard both customer accounts and its own operations, building a secure, transparent relationship with all account holders.
When Do You Need to Update Your KYC with Emirates NBD?
You must update your KYC details when any important customer information changes or expires. Common triggers include renewal of Emirates ID, passport, or visa, a change in address or employment, or receiving a bank request via SMS or email.
In some cases, the bank may request periodic updates for compliance. Dormant accounts also require KYC revalidation before reactivation.
Keeping your KYC current helps avoid interruptions in services, ensuring smoother transactions and maintaining regulatory alignment with Emirates NBD’s policies.
Documents Required for KYC Update at Emirates NBD
KYC update documents differ slightly for individuals and business entities. You must submit only clear, valid, and current records to avoid delays in processing. Review the table below before visiting a branch or submitting online:
| CUSTOMER TYPE | REQUIRED DOCUMENTS |
|---|---|
| Individuals | – Renewed Emirates ID (front and back) – Passport copy – Residence visa copy – Proof of address (utility bill or tenancy contract) – Source of income or employment letter |
| Entities/Companies | – Trade license – Memorandum & Articles of Association – Board resolution for account operation – Emirates ID and passport of key stakeholders – Proof of operating address |
Note: Make sure all documents are legible, up to date, and match your registered information for successful verification.
How to Update KYC Details Online with Emirates NBD
You can complete your KYC update using Emirates NBD’s mobile app or online portal. This is a fast, secure, and user-friendly process that requires digital copies of your documents.
Follow the steps below carefully to ensure your submission is successful. If your documents are not accepted, the bank will notify you to correct or resend.
Step 1: Log in
Access the Emirates NBD mobile app or online portal with your registered credentials. Make sure your internet connection is stable for a smooth login process.
This ensures secure access to your personal banking dashboard and related services.
Step 2: Go to the Profile Section
Once logged in, navigate to the “My Profile” or “Personal Information” section from the main menu.
This area allows you to view and edit your current registered KYC details.
Step 3: Choose Update Option
Select the “Update KYC” or “Update Emirates ID” option depending on the document you wish to modify.
Make sure you select the correct section to avoid rework or rejection by the system.
Step 4: Upload Documents
Upload clear and valid scans or photos of your Emirates ID, passport, and other required documents.
Files should be in PDF, JPG, JPEG, or PNG format and meet the bank’s size and clarity standards.
Step 5: Review and Submit
Double-check the information and document quality before clicking the submit button.
You’ll receive an SMS and email confirmation once your KYC update has been successfully processed.
Whether you need help with UAE banking, visa applications, or business setup, our consultants are here to guide you. We simplify complex processes and provide clear, actionable advice for your success. Get started with expert consultation today!
How to Update KYC Details In-Branch
If you prefer face-to-face service or have complex updates to make, visiting an Emirates NBD branch is a reliable option. It’s especially helpful for business customers or those without access to online services.
Follow these steps to complete your KYC update in person:
Step 1: Visit the Nearest Branch
Go to any Emirates NBD branch during business hours with all the required original and copy documents.
Having everything on hand will make your visit quicker and reduce the chances of delays.
Step 2: Request KYC Update
Head to the customer service desk and let them know you’re there for a KYC update.
Bank staff will provide the necessary forms and explain what you need to fill out.
Step 3: Submit Forms and Documents
Fill in the provided forms and submit your Emirates ID, passport, visa, and address proof.
Staff will verify the details and confirm the documents meet KYC requirements.
Step 4: Confirmation
Once everything is approved, the bank will confirm your KYC update is in progress or completed.
You may receive an SMS or email when the update is successfully registered in the system.
How to Know If Your KYC Is Successfully Updated
You’ll receive confirmation via SMS and email once your update is processed. You can also check your status through the Emirates NBD app or online portal.
If your profile no longer shows incomplete KYC notifications, it means your records are up to date.
If there’s an issue, the bank may request additional documents. Alternatively, you can contact customer support.
The Bottom Frame
Keeping your KYC updated with Emirates NBD ensures uninterrupted access to essential banking services and full legal compliance. Always respond to bank requests promptly and maintain valid documentation to avoid any disruption.
Following the official KYC update procedures not only safeguards your account but also supports the bank’s efforts in fighting fraud and maintaining financial security. For further help, visit Emirates NBD’s website or call their customer service.
Frequently Asked Questions
How Many Times Does KYC Need to Be Updated?
How often you need to update your KYC depends on your risk category. If you are marked as high-risk, you must update your KYC details every 2 years. For medium-risk customers, updates are needed every 8 years. The bank uses your profile and activity to decide your risk level.
What Happens If KYC Is Not Updated?
If you don’t update your KYC on time, the bank may freeze or block your account. This means you won’t be able to use banking services like withdrawals, transfers, or online access. In serious cases, your account may even be closed until proper KYC documents are submitted.
What Is The Grace Period For KYC?
The grace period for KYC is a limited time, usually 6 months, given to complete the KYC process. During this time, you should submit the required documents to avoid restrictions. If you don’t complete KYC within this window, your access to services may be paused or limited.
