National Bank of Umm Al-Qaiwain

Umm Al Quwain

https://www.nbu.ae

Bank Logo

National Bank of Umm Al-Qaiwain Overview

The National Bank of Umm Al-Qaiwain (NBQ), a public shareholding company (P.S.C), is a significant financial institution based in the United Arab Emirates (UAE). It is licensed by the Central Bank of the UAE and primarily provides retail and corporate banking services. The bank's registered head office is located on King Faisal Road, Umm Al-Qaiwain, with its mailing address being Post Box Number 800, Umm Al-Qaiwain, United Arab Emirates.

Services and Operations

NBQ offers a wide range of banking services that cater to both individuals and businesses. These services include Al Kanz Accounts, Alwan Children's Saving Scheme, Call Deposit, and Fixed Deposit accounts, among others. The bank is dedicated to delivering excellent customer service and value to its clientele through its network of 12 branches spread across the UAE.

Global Presence

Although primarily operating within the UAE, NBQ's influence extends globally through its Treasury and Investments operations. The bank's e-Banking platform, NBQOnline, further establishes its presence by providing a convenient, accessible banking experience for clients around the world. This digital platform ensures that the bank's services are not confined to geographical boundaries, thus promoting a global presence.

Company Profile

Founded on the principles of trust, integrity, and reliability, NBQ has carved a niche for itself in the UAE's competitive banking sector. It continues to make significant strides in retail and corporate banking, treasury, and investments sectors, backed by its robust infrastructure, experienced workforce, and customer-centric approach. As of 2025, the bank is still committed to providing top-tier banking services to its customers in Umm Al-Qaiwain and beyond.

Branches

National Bank of Umm Al-Qaiwain HO - National Bank of Umm Al Qaiwain - NBQ

HO - National Bank of Umm Al Qaiwain - NBQ

GGCR+GP9 - King Faisal St - Green Belt - Al Madr 2 - Emirate of Umm Al Quwain

National Bank of Umm Al-Qaiwain National Bank of Umm Al Quwain

National Bank of Umm Al Quwain

NBQ Building - Khalid Bin Al Waleed Rd - Al Hamriya - Dubai

National Bank of Umm Al-Qaiwain NBQ - Deira Branch

NBQ - Deira Branch

195 Al Ittihad Rd - Deira - Dubai

Personal

Credit Cards

National Bank of Umm Al-Qaiwain Logo
APR: 29.88%
Annual Fee: AED1,000.00
Interest-Free Period: -55 days
Cash Advance Fee: 3.15% (min 21.00 AED)

Benefits:

Free worldwide travel insurance, Priority Pass for 1200+ airport lounges, Lounge Key, Verified by Visa for fraud protection, 24/7 Concierge services, Discounts on hotel bookings.

National Bank of Umm Al-Qaiwain Logo
APR: 29.88%
Annual Fee: AED500.00
Interest-Free Period: -55 days
Cash Advance Fee: 3.15% (min 21.00 AED)

Benefits:

Free worldwide travel insurance, Priority Pass for 1200+ airport lounges, Dragon Pass ‘Dine & Fly’ program, Purchase protection with extended warranty benefits.

Deposits

National Bank of Umm Al-Qaiwain Logo
Minimum Deposit: AED 50,000.00
Tenure: 30 - days
Interest Rate: 1%
Payment Frequency: On Maturity
Early Withdrawal Penalty: Interest recalculated at lower published rates at the time of initial booking.
Islamic Deposit: No

Features:

Auto-renewal available; overdraft facility can be availed up to a percentage of the deposit.

National Bank of Umm Al-Qaiwain Logo
Minimum Deposit: AED 0.00
Tenure: - days
Interest Rate: 0.2%
Payment Frequency: Semi-Annually (January & July)
Early Withdrawal Penalty: None; funds available anytime.
Islamic Deposit: No

Features:

No minimum balance required; interest calculated daily and credited semi-annually.

Mortgages

National Bank of Umm Al-Qaiwain Logo
Interest Rate: 3.95%
APR: 3.96%
Max Loan Amount: AED 8,000,000.00
Loan Tenure: 300 months
Loan-to-Value (LTV): 85.00%
Processing Fee: 1.05% of loan amount (non-refundable).

Features:

Mortgage covers ready property purchases and renovations.

Car Loans

National Bank of Umm Al-Qaiwain Logo
Interest Rate: 5.38% reducing
Maximum Loan Amount: AED 750,000.00
Loan Tenure: 60 months
Loan-to-Value (LTV): 80.00%

Features:

Flexible repayment up to 60 months; Available for new and used cars; Quick approval process

Personal Loans

National Bank of Umm Al-Qaiwain Logo
Flat Interest Rate: N/A
Reducing Rate: 6.80%
Max Loan Amount: AED 5,000,000.00
Loan Tenure: 48 months
Min Salary: AED 7,000
Processing Fee: 1.05%

Features:

Available in both conventional and Islamic variants; repayment via EMI; life insurance included.

National Bank of Umm Al-Qaiwain Logo
Flat Interest Rate: N/A
Reducing Rate: 6.80%
Max Loan Amount: AED 1,000,000.00
Loan Tenure: 48 months
Min Salary: AED 10,000
Processing Fee: 1.05%

Features:

Available in both conventional and Islamic variants; EMI-based repayment; life insurance included.

Savings Accounts

National Bank of Umm Al-Qaiwain Logo
Interest Rate 0.00% - 1.00%
Minimum Balance: AED 500.00
Account Type Standard
Open Online: No
National Bank of Umm Al-Qaiwain Logo
Interest Rate 3.00%
Minimum Balance: AED 0.00
Account Type Term Deposit
Open Online: No

Business

SWIFT Codes

National Bank of Umm Al-Qaiwain - Dubai Branch
UMMQAEAD

Other Banks: