Emirates NBD Statement Analyzer — PDF Upload for UAE Banking

Upload your Emirates NBD statement PDF and get categorized spending insights in seconds. Works with AED, USD, and multi-currency Emirates NBD accounts. No bank login required.

Why Emirates NBD Customers Need a Statement Analyzer

Emirates NBD is the largest banking group in the UAE and one of the most significant financial institutions in the Middle East. Formed from the 2007 merger of Emirates Bank International and the National Bank of Dubai, it now serves millions of retail and corporate customers across Dubai, Abu Dhabi, and the wider Gulf region. From salary accounts to premium credit cards, Emirates NBD generates millions of PDF statements every month containing transaction data that most customers never fully analyze.

The challenge is that popular international budgeting tools like Mint, YNAB, and Monarch Money rely on Plaid or similar aggregation APIs to pull transaction data directly from your bank. Plaid does not support Emirates NBD or any other UAE bank. This means that if you bank with Emirates NBD, you are locked out of the entire ecosystem of connected budgeting apps. You either track spending manually in a spreadsheet or you simply do not track it at all.

A PDF-based statement analyzer changes everything. You download your Emirates NBD statement from online banking or the mobile app, upload the PDF, and get a complete spending breakdown categorized by AI in under a minute. No API keys, no screen scraping, no third-party access to your login credentials. It works with every Emirates NBD account type and every statement format the bank produces.

How to Download Your Emirates NBD Statement PDF

Before analyzing your spending, you need to download your statement from Emirates NBD. Here is how to get the PDF from both the online banking portal and the Emirates NBD mobile app.

From Emirates NBD Online Banking

1. Log in to your Emirates NBD online banking account at emiratesnbd.com using your username, password, and OTP verification.
2. Navigate to the Accounts tab in the main navigation and select the specific account you want to analyze.
3. Click on Statements & Documents or e-Statements from the account options menu.
4. Choose the statement period by selecting the month and year. Emirates NBD typically keeps 12 to 24 months of statements available online.
5. Click the Download button or the PDF icon. The statement will download as a PDF file to your device.

From the Emirates NBD Mobile App

1. Open the Emirates NBD app on your smartphone and authenticate using your PIN, fingerprint, or Face ID.
2. Tap on the account card for the account you want to view from the home screen.
3. Scroll down or tap the More option, then select Statements.
4. Choose the statement month from the available list. Tap Download or Share to save the PDF.
5. The PDF will be saved to your device downloads folder. You can upload it directly from your phone or share it to your computer via AirDrop, email, or cloud storage.

Supported Emirates NBD Account Types

Spend & Invest works with every Emirates NBD account type that produces a PDF statement. This includes:

• Emirates NBD Current Accounts — Including beyondBanking, Salary Transfer, and standard current accounts. Covers salary credits, bill payments, standing orders, transfers, and point-of-sale purchases.
• Emirates NBD Savings Accounts — Shake N Save, Future Saver, and other savings products. Tracks deposits, withdrawals, and interest credits.
• Emirates NBD Credit Cards — All card tiers including Flex, Skywards, DNATA, Lulu, Titanium, Infinite, and World credit cards. The analyzer handles credit card-specific fields like minimum payments, interest charges, foreign transaction fees, and reward point summaries.
• Emirates NBD Debit Cards — Linked to current accounts. The analyzer parses both ATM withdrawals and POS transactions from debit card statements.
• Emirates NBD Business Banking — Business Plus, Business Edge, and corporate accounts with payroll entries, vendor payments, and commercial transactions.
• Emirates NBD Islamic (Emirates Islamic) — Shariah-compliant accounts including Kunooz savings and Flex credit cards from the Emirates Islamic subsidiary.

AED and Multi-Currency Support

Emirates NBD statements are primarily denominated in UAE Dirhams (AED). The analyzer natively supports AED, correctly parsing the decimal format and currency conventions used throughout the statement. Whether your transactions are formatted as "AED 1,234.56" or simply listed as numeric amounts, the parser handles both styles.

Emirates NBD is widely used for international transactions, especially by the large expatriate population in Dubai. If you use your Emirates NBD credit or debit card abroad, the statement shows the original foreign currency amount alongside the AED conversion. The analyzer captures both values and categorizes the transaction based on the vendor name, regardless of the original transaction currency.

Spend & Invest supports AED, USD, EUR, GBP, INR, PHP, TTD, and many other currencies. If you hold multiple Emirates NBD accounts in different currencies or use the bank's multi-currency account feature, you can upload each statement separately and view consolidated spending insights on your dashboard.

How AI Categorizes Your Emirates NBD Transactions

When you upload your Emirates NBD statement, the AI reads every transaction line on the PDF and assigns a spending category to each one. Here is how the categorization engine works:

1. Known vendor matching. If you have previously categorized a vendor, the system remembers your preference and applies it automatically to all future transactions from the same merchant. This means accuracy improves with every statement you upload.
2. AI inference. For new vendors, the AI analyzes the merchant name, transaction amount, and surrounding context. It recognizes common UAE merchants like Carrefour, Spinneys, Noon, Talabat, ENOC, Salik, DEWA, Etisalat, Du, and hundreds of others automatically.
3. Confidence scoring. Every categorization gets a confidence score between 0 and 1. High-confidence results (green dot) are almost certainly correct. Low-confidence items (amber dot) are flagged for your review so you can quickly correct them.
4. Learning from corrections. When you correct a category, the system asks if you want to apply that correction to all transactions from the same vendor. This creates a feedback loop that makes every future upload faster and more accurate.

Emirates NBD statements sometimes include transaction reference codes and additional description lines that other parsers struggle with. The AI is trained to extract the meaningful vendor name from these multi-line transaction entries, ignoring reference numbers, card digits, and authorization codes that add noise to the data.

Manual Tracking vs Spend & Invest for Emirates NBD

Privacy and Security for Emirates NBD Customers

Privacy is a top priority for banking customers in the UAE, especially given the high volume of international transactions and the sensitive nature of financial data in the region. With Spend & Invest, you never share your Emirates NBD online banking credentials with any third party. There is no API connection, no screen scraping, and no aggregation service sitting between you and your bank.

The process is simple: you download your statement PDF directly from Emirates NBD, then upload it to the analyzer. Your data is processed securely, and you maintain complete control over what information gets uploaded and when. There is no background access to your account, no recurring data pulls, and no way for anyone to initiate transactions on your behalf.

This is fundamentally different from Plaid-based apps that store your banking credentials and periodically scrape your account data. With PDF upload, your Emirates NBD username and password never leave your browser. The bank statement is a read-only document that cannot be used to access your account or move money.

Common Spending Categories for Dubai and UAE Residents

The default spending categories work well for UAE residents, and you can customize them during onboarding. Here are categories that Emirates NBD customers in Dubai commonly set up:

• Groceries — Carrefour, Spinneys, Lulu Hypermarket, Choithrams, Waitrose, Union Coop, Grandiose
• Dining Out — Talabat, Deliveroo, Zomato, Noon Food, restaurant purchases at Dubai Mall, JBR, DIFC
• Transportation — ENOC, ADNOC, Salik toll charges, RTA parking and metro top-ups, Careem, Uber
• Utilities — DEWA (Dubai Electricity and Water Authority), Etisalat, Du, district cooling charges
• Shopping — Noon, Amazon.ae, Namshi, mall purchases, electronics stores
• Housing — Rent payments, RERA fees, Ejari registration, building maintenance, property management fees
• Healthcare — Hospital payments, pharmacy purchases, dental clinics, DHA-licensed providers
• Education — School fees (GEMS, Taaleem, KHDA-regulated), university tuition, training and certification courses
• Remittances — Exchange house transfers, international wire transfers, a significant category for the UAE expat population

Getting Started with Your Emirates NBD Statement

Ready to analyze your Emirates NBD bank statement? The process takes less than a minute:

1. Download your latest Emirates NBD statement PDF from online banking or the mobile app.
2. Create a free account at Spend & Invest.
3. Upload your PDF and let the AI categorize your transactions automatically.
4. Review any flagged items, correct categories if needed, and finalize your statement.
5. Explore your spending dashboard with category breakdowns, trends, and month-over-month comparisons.

The more statements you upload, the smarter the system becomes. It learns your vendor preferences and applies them automatically to future uploads, making each statement faster to process than the last.

Try It Free Today

Spend & Invest is free to use during early access. Upload your Emirates NBD statement and see your spending patterns in under a minute. No bank login, no Plaid, no spreadsheets. Just upload your PDF and go.

Want to learn more? Read our guide on AI-powered bank statement analysis, find out why you do not need a bank login to budget, or explore spending tracking without Plaid.