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All charges below are exclusive of VAT (**). Click here for more details.
| Account Services | Over the counter | |
|---|---|---|
| Teller Services - AED Cash Deposit/Local Cheque Deposit/ AED Cash Withdrawal/Internal Transfers | Free | |
| FCY Cash Deposits/Withdrawals | 1% of cash deposit | |
| Liability Letter | AED 150 per request | |
| No Liability Letter | AED 150 per request | |
| Balance Order | AED 150 per request | |
| Certificate of Balance | AED 150 per request | |
| Duplicate Statement | AED 100 per request | |
| Audit Confirmation | AED 150 per request | |
| Account Closure less than 6 months | AED 200 | |
| Safe Custody Charges | AED 200 per annum | |
| Payments | Over the counter | smartBUSINESS |
| Transfers | Free | Free |
| Domestic Payments in AED | AED 45 per transaction | AED 25 per transaction |
| Foreign Currency Domestic Payments | AED 75 per transaction | AED 40 per transaction |
| Foreign Currency International Payments | AED 75 per transaction | AED 55 per transaction |
| Additional Telex/Tracer | AED 75 per transaction | N/A |
| Investigations/Amendment Requests | AED 75 per transaction | N/A |
| Payment Cancellation/Recall | AED 75 per transaction | N/A |
| Swift Copy (Outward Mt103) | AED 15 per request | Free |
| Inward Remittances | Free | N/A |
| FCY Inward Remittances | Free | N/A |
| Bulk Domestic Payments (smartBUSINESS only) | N/A | AED 15 per transaction |
| Bill Payments (smartBUSINESS only) | N/A | Free |
| Credit Card Payments (smartBUSINESS only) | N/A | Free |
| Non-WPS Salary Processing (smartBUSINESS only) | N/A | AED 2 per beneficiary (free for EI accounts) |
| WPS Salary Processing | AED 55 per bank + AED 3 per beneficiary (free for EI accounts) | AED 50 per file + AED 3 per beneficiary (free for EI accounts) |
| Clearing Cheques and Paper Instruments | Over the counter | |
| Chequebook request | AED 25/50 per chequebook | |
| Local Cheques Clearing | Free | |
| Special Clearing - Outward | AED 50 per instrument | |
| Special Clearing - Inward (proceeds by MC/DD) | AED 50 per instrument | |
| Special Clearing - Inward (proceeds through CBUAE) | AED 50 per instrument | |
| Cheque Return - Outward | AED 100 per cheque | |
| Cheque Return - Inward | AED 100 per cheque | |
| Cheque Return - Inward (return reason "Represent after 3 working days")* | 4 cheques or less in 12-month period, first instance free and AED 200 for subsequent instances | |
| More than 4 cheques in 12-month period, AED 200 per instance | ||
| Demand Draft/Manager's Cheques Issuance | AED 10 per instrument | |
| Demand Draft/Manager's Cheques Cancellation | AED 50 per instrument | |
| Duplicate Demand Draft/Manager's Cheque | AED 10 per instrument | |
| Stop Demand Draft/Cashier's Order | AED 100 per instrument | |
| Stop Cheque | AED 50 per instrument | |
| FCY cheque deposit | 0.1% of cheque amount, min AED 50, max AED 500 | |
| Courier Charges | AED 15 | |
| Customized Cheques / Special Chequebook | At cost, by arrangement | |
| PDC Warehousing | Over the counter | |
| PDC Deposit / Custodial Service | AED 10 per PDC | |
| PDC Postponement / Extension of due date | AED 10 per PDC | |
| PDC Withdrawal | AED 10 per PDC | |
| PDC Replacement | AED 10 per PDC | |
| Outstanding PDC Report | AED 10 per request | |
| Bulk PDC Warehousing | By arrangement | |
| Standing Instructions | Over the counter | |
| Standing Instruction Set Up / Amendment | AED 50 | |
| Standing Instruction Cancellation / Suspension | AED 50 | |
| Standing Instruction Failure | AED 50 | |
| Pick Up and Delivery Services | Charges | |
| Cash Pick Up | As per agreement | |
| Cash Delivery | As per agreement | |
| Cash Deposit Center Services | As per agreement | |
| Cheque Pick Up | As per agreement | |
| Liquidity Management (smartBUSINESS only) | smartBUSINESS | |
| Multi-Bank Account Aggregation | AED 250 per month | |
| Liquidity Management Initial Set Up - Manual | AED 10,000 per request | |
| Liquidity Management Initial Set Up - smartBUSINESS | AED 8,000 per request | |
| Liquidity Management Amendment - Manual | AED 2,000 per request | |
| Liquidity Management Amendment - smartBUSINESS | AED 1,500 per request | |
| Cash Concentration - Daily Sweep | AED 1000 per month | |
| Cash Concentration - Weekly Sweep | AED 500 per month | |
| Cash Concentration - Monthly Sweep | AED 250 per month | |
| smartBUSINESS | smartBUSINESS | |
| smartBUSINESS Subscription | AED 200 per month | |
| Physical Security Token | AED 250 per token | |
| SMS Security Token | Free | |
| Password Reset - Bank reset | AED 50 per request | |
| Password Reset - Self reset | Free | |
| Additional Account Setup | AED 100 per account post implementation | |
*Effective from 1 April 2015
The Bank reserves the right to vary its fees and cut off times without prior notice.
