Need a car or some gold? Your business transactions might just win them

The Emirates NBD Mega Foreign Exchange and Trade Promotion is back, transforming business banking. This exciting campaign from Emirates NBD gives Small and Medium Enterprise (SME) customers the chance to win gold and luxury cars simply by doing their usual cross-border business.

Key Takeaways from the Emirates NBD SME Promotion

• The Prizes: Over 2kg of gold total and four ROX 01 SUVs up for grabs.
• The Timeline: Promotion runs from 1 December 2025 to 31 March 2026.
• The Entry: Qualifying transactions start at Dhs 25,000 for trade finance and Dhs 100,000 for FX.
• The Bonus: Emirati businesses and first-time users get double entries.

According to Emirates NBD's official press release, the four-month campaign runs until 31 March 2026 and targets businesses handling significant foreign exchange or trade finance volumes. It's a clear move to incentivise SMEs—which make up over 90% of businesses in the country—to consolidate their international transaction banking with the Dubai-based lender.

This follows a wider trend of financial institutions ramping up value for business clients, similar to the recent innovations in SME payments we've seen from fintech players like Lean and Ziina.

How the Emirates NBD Mega Foreign Exchange and Trade Promotion Works

The barrier to entry is relatively high, targeting established SMEs rather than micro-businesses. To qualify for the daily prize draws, customers must complete a foreign exchange (FX) transaction of Dhs 100,000 or more, or a trade finance transaction of at least Dhs 25,000.

Volume pays off here. Customers earn extra entries for every additional Dhs 10,000 in FX or Dhs 5,000 in trade finance transactions completed monthly. While the entry requirements are substantial, the bank has structured the prize tiers to reward consistent activity over the four-month period.

The prizes

The prize pool is split into daily, monthly, and grand prize categories. Here is what is on the table:

• Daily: A draw for 10 grams of gold (121 winners total).
• Monthly: A draw for a ROX 01 SUV (4 winners total).
• Grand Prize: A massive 1kg of gold for one winner at the end of the campaign.

To enter the monthly car draw, businesses must complete 4 qualifying transactions. For the grand prize draw, ten qualifying transactions are required. It is worth noting that the ROX 01 is a premium electric SUV that has been gaining traction in the region, making for a substantial monthly reward.

Strategic focus

Beyond just handing out gold bars, the promotion has a strategic angle. Hamad Mohamed Zayed, Group Head of Business Banking at Emirates NBD, said the initiative aims to foster innovation through digital banking while rewarding business growth. The bank is specifically targeting new adoption by offering double entries to first-time users of their FX and trade services, as well as to Emirati-owned businesses.

With SMEs contributing significantly to the UAE's non-oil GDP, keeping this sector active in cross-border trade is vital. By gamifying the often-mundane process of trade finance and FX, Emirates NBD is betting that tangible rewards will drive transaction volume and customer loyalty in an increasingly competitive business banking landscape.

Prize Tiers at a Glance

Here is how the entry requirements break down for each prize category:

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