Accounts

Current and Savings Accounts

ALPHA Youth (AED) Classic / Select (in AED) Advantage (AED) Frequency
Average monthly minimum balance 0 3,000 AED 100,000 or Salary transfer of AED 15,000* NA
Fall below fee (Applicable if Avg balance < AED 3,000)** 0 26.25 26.25 monthly
Teller Charges (Transaction per month/fee) 6 free per month thereafter AED 10.50 6 free per month thereafter AED 10.50 15 free per month thereafter AED 10.50 per transaction
Account closing charges (Before 6 months) 105 105 105 per request
Dormant account charges Nil Nil Nil NA
Utility Bill Payment: Over the Counter 10 10.50 10.50 per transaction
SMS monthly fee Free Free Free NA

*Free international Telegraphic Transfers (TT) per month (Correspondent Bank fees shall apply), 20% discount on lockers rental for Advantage Banking Salary Transfer.

**Minor accounts, customers transferring their salary or holding an active finance are excluded.

Wakala Deposits

Wakeel/Wakala Fee AED 105 per request

Cheque Related Charges

ALPHA Youth (AED) Classic / Select (in AED) Advantage (AED) Frequency
Cheque book charges* NA First cheque book free, thereafter AED 26.25 First cheque book free, thereafter AED 26.25 per request
Uncollected cheque book NA Free Free NA
Cheque returned charges - Inward (Personal) NA 105 105 per instance
Cheque return - Inward (Return Reason "Represent after 3 working days") for every item responded NA 105+** 105+* per instance
Returned outward clearing cheques (Personal) NA Free Free NA
Cheque photocopy less than 1 year NA 10.50 10.50 per request
Cheque photocopy over 1 year NA 21 21 per request
Special Clearing - Inward NA 157.50 157.50 per request
Special Clearing - Outward NA 105 105 per request
Special Clearing - Outside Emirate NA 157.50 157.50 per request
Collection of cheques - Emirates with own branches NA Free Free per request
Collection of cheques - Remote areas NA Free Free per request
Collection of cheques - Drawn outside UAE/FCY: Commission + corresponding banking charges apply NA 0.1% (Min AED 52.50, max AED 525 or equivalent FCY) 0.1% (Min AED 52.50, max AED 525 or equivalent FCY) per request

*As per the mandate from Central Bank of the UAE, cheque books issued during the first 6 months of opening the account could be limited to 10 leaves depending on the Individual’s rating with the credit bureau (AECB).

**Cheque returned charges AED 105 + Cheque Return with the code represent after 3 working days AED 105 = Total AED 210

Direct Debit Charges

Non Payment due to insufficient funds 26.25 per instance

Courier Charges

ALPHA Youth (AED) Classic / Select (in AED) Advantage (AED) Frequency
AGCC 52.50 52.50 52.50 per request
Others 84 84 84 per request
Post 15.75 15.75 15.75 per request
Return Cheques drawn on Banks outside UAE-OCC Return Charges 52.50 52.50 52.50 per request
Stop Cheque Charges (per request) 52.50 52.50 52.50 per request

Remittances and Payments

  ALPHA Youth (AED) Classic / Select (in AED) Advantage (AED) Frequency
Managers Cheque/Pay Order/Demand Draft
Issuance to customers/LCY 31.50 31.50 31.50 per request
Amendments/ Cancellation LCY 52.50 52.50 52.50 per request
Issuance to Customers/FCY 31.50 31.50 31.50 per request
Amendments/ Cancellation FCY 52.50 52.50 52.50 per request
Inwards from foreign currency/FCY
DD/ Cheque Free Free Free per request
Telegraphic Transfers (TT) Free Free Free per request
Cash LCY Free Free Free per request
Cash FCY Free Free Free per request
Same Currency Cash FCY 1% of funds deposited or withdrawn + VAT 1% of funds deposited or withdrawn + VAT 1% of funds deposited or withdrawn + VAT per request
Outward Transfers: Manual (Branch) Requests*
Local transfers 5.25 5.25 5.25 per transaction
International transfers
  • Sender pays all charges: 78.75 + correspondent bank fees**
  • Sender pays own charge: 78.75 and Beneficiary pays correspondent bank fees**
  • Beneficiary pays all charges: 94.50 + correspondent bank fees**
    		•
  • Sender pays all charges: 94.50 + correspondent bank fees**
  • Sender pays own charge: 94.50 and Beneficiary pays correspondent bank fees**
  • Beneficiary pays all charges: 94.50 + correspondent bank fees**
    		•
  • Sender pays all charges: 78.75 + correspondent bank fees**
  • Sender pays own charge: 78.75 and Beneficiary pays correspondent bank fees**
  • Beneficiary pays all charges: 94.50 + correspondent bank fees**
    		•  per transaction
    Outward Transfers: Online Requests*
    Local transfer Free Free Free per transaction
    International transfers
  • Sender pays all charges: only correspondent bank fees**
  • Sender pays own charge: Free and Beneficiary*** pays correspondent bank fees**
  • Beneficiary*** pays all charges
    		•  per transaction
    DD/Telegraphic Transfers (TT) As per correspondent bank fees** per transaction
    International transfers (Foreign currency transfer to a country other than the currency's home country - Online/Branches)
  • Sender pays all charges: 78.75 + correspondent bank fees**
  • Sender pays own charge: 78.75 and Beneficiary pays correspondent bank fees**
  • Beneficiary pays all charges: 105 + correspondent bank fees**
    		•
  • Sender pays all charges: 105 + correspondent bank fees**
  • Sender pays own charge: 105 and Beneficiary pays correspondent bank fees**
  • Beneficiary pays all charges: 105 + correspondent bank fees**
    		•
  • Sender pays all charges: 78.75 + correspondent bank fees**
  • Sender pays own charge: 78.75 and Beneficiary pays correspondent bank fees**
  • Beneficiary pays all charges: 105 + correspondent bank fees**
    		•  per transaction
    External Standing Orders
    Setup 52.50 52.50 52.50 per instance
    Amendment 0 0 0 NA
    Cancellation 0 0 0 NA
    Execution 0 0 0 NA
    Non Execution 26.25 26.25 26.25 per instance
    Others
    Fax Indemnity 262.50 262.50 262.50 per request
    Swift message copy Free Free Free NA
    Insufficient Funds 26.25 26.25 26.25 per instance
    Balance Order/SWEEP 252 252 252 per request
    Special Clearing – Inward 157.50 157.50 157.50 per request
    Special Clearing – Outward 105 105 105 per request
    Special Clearing – Outside Emirate 157.50 157.50 157.50 per request

    *The exact amount deducted is often not known upfront and can vary depending on the routing and the receiving bank.
    **Correspondent bank fees apply as per actual charges - Click here.
    ***Free for Emirates Islamic customers.

    Please note:

    1. Local transfers are AED transfers within the UAE. Non-AED transfers, even within the UAE, are treated as international transfers.
    2. A correspondent bank fee of AED 105 applies to all AED transfers outside the UAE.
    3. Online transfers to India, Pakistan, Philippines, United Kingdom, Singapore, Australia, European countries, Hong Kong, and ENBD Egypt are free up to a set limit. Fees and correspondent bank charges apply above the limit. Click here for limits.
    4. No charges apply to incoming transfers. FX charges apply if currencies differ from the account.
    5. Only "SHA" option is available for USD transfers as the Beneficiary will still be charged USD 20 + VAT or as applicable from the correspondent bank. This excludes transfers to the USA.
    6. Charges on Internal Standing Orders are waived.

    Debit Cards

    Click here to view the Debit Cards Fees and Charges.

    Documents & Statements

    ALPHA Youth (AED) Classic / Select (in AED) Advantage (AED) Frequency
    Balance certificate letter 52.50 52.50 52.50 per request
    Regular Statement of Account (on email) Free Free Free per month
    Physical Statement of Account (delivered to your address) 26.25 26.25 26.25 per request
    Ad-hoc Statement of Account (Outside of cycle) 26.25 26.25 26.25 per month
    No Liability Certificate Click here to view the Cards Fees & Charges
    Click here to view the Finance Fees & Charges    		 per request
    Liability letter issued to Govt. Dept & Embassies
    Liability letter issued to financial institutions
    Release letter
    Other types of letters Audit confirmation letter: 157.50,
    Others: 157.50    		 Audit confirmation letter: 157.50,
    Others: 157.50    		 Audit confirmation letter: 157.50,
    Others: 157.50    		 per request

    Notes:
    ****All charges, commissions and fees are inclusive of Value Added Tax or any other similar sales tax (VAT).

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