Liability and No-Liability Letters

Request a No Liability Letter easily via Call Centre and a Liability Letter by visiting any of our branches

Liability Letter is an official document that lists and confirms your current financial obligations such as finance and credit cards with the Bank. Once the Letter is issued, it’s valid for 15 days.

A No-Liability Letter, on the other hand, confirms you have no liabilities with the Bank.

Request for a No-Liability Letter


Request for a Liability Letter


What’s next?

Your request will be processed and you will receive an SMS on your registered mobile number once your letter is ready to be collected.

Visit the tagged Emirates Islamic branch with your Emirates ID or Passport for identification to collect the letter.

Fees and Charges

The fees and charges for Liability and No Liability Letters are determined by the Banking Package you hold. learn more details below:


Self-addressed Letters can be issued based on your request. Letters can also be addressed to a third party such as a government entity, service provider or a financial institution. (Subject to Emirates Islamic's policy)
You could need this letter for several reasons. You might be taking a finance, applying for a new credit card and the bank has requested it, or you may be moving to another country from the UAE and Immigration authorities might need to see it.