Accounts

*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.

Wakeel/Wakala Fee

AED 105

per request

	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

Non Payment due to insufficient funds

26.25

per instance

	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

	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
Outwards
Telegraphic Transfers (TT) Local (Through Branches)	5.25	5.25	5.25	per transaction
Telegraphic Transfers (TT) Local (Through Online)	Free	Free	Free	per transaction
Telegraphic Transfers (TT) International when "OUR" or "SHA" is selected. AED 94.50 otherwise	78.75	94.50	78.75	per transaction
FCY to countries other than FCY issuing country when "OUR" or "SHA" is selected. AED 105 otherwise	78.75	105	78.75	per transaction
Correspondent bank fees* DD/Telegraphic Transfers (TT)	As per actual correspondent bank charges			per transaction
External Standing Orders - Setup, Amendment, Cancellation, Execution & Non Execution	52.50	52.50	52.50	per instance
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

* 1) As per correspondent bank charges.

2) Only "SHA" option is available for USD transfers as the Beneficiary will still be charged USD 20 + VATor as applicable from the correspondent bank. This excludes transfers to the USA.

3) Charges on Internal Standing Orders are waived.

	ALPHA Youth (AED)	Classic / Select (in AED)	Advantage (AED)	Frequency
Card Issuance	No Fee	No Fee	No Fee	NA
Issuance of Supplementary Card	No Fee	No Fee	NA	NA
Replacement of Lost or Stolen Card	26.25	26.25	26.25	per request
Replacing Secret PIN Code	No Fee	No Fee	No Fee	NA
UAE Switch (Per transaction) - Cash Withdrawal	2.10	2.10	2.10	per transaction
UAE Switch (Per transaction) - Balance Inquiry / Declined Transaction	1.05	1.05	1.05	per transaction
GCCNET (Per transaction) - cash withdrawal	6.30	6.30	6.30	per transaction
GCC ATM Balance Inquiry	3.15	3.15	3.15	per transaction
Foreign currency transaction in non-UAE dirhams1	2.34%	2.34%	2.34%	per transaction
Fee for using the ATM/Debit Card outside UAE	21	21	21	per transaction
Foreign currency transaction in UAE dirhams2	1.99%	1.99%	1.99%	per transaction
Copy of Sales slip	26.25	26.25	26.25	per request

¹This fee is charged on all foreign currency transactions on the Debit Card. This fee is charged in addition to the standard processing fee charged by Mastercard or Visa and is applicable to transactions performed outside UAE. (approximately 1.15%)
²This fee is charged for transactions where customers may sometimes be offered the option to settle foreign currency transaction in UAE dirhams at the point of sale overseas. Such option is a direct arrangement offered by the overseas merchants and not the Bank (card issuer). This fee is charged in addition to the standard processing fee (approximately 1.15%) charged by MasterCard or Visa and mark-up fee charged by acquirer, if any.

	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
Ad-hoc Statement of Account (Outside of cycle)	26.25	26.25	26.25	per month
No Liability Certificate	63	63	63	per request
Liability letter issued to Govt. Dept & Embassies	63	63	63	per request
Liability letter issued to financial institutions	63	63	63	per request
Release letter	52.50	52.50	52.50	per request
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).