Business Banking Classic Package

Current Account

Parameters	Classic (Not Available for New Customers)
*Minimum Monthly Average Relationship Balance (a)	>= 10,000 to 35,000
Any Finance Facilities (b)	Any Active Finance
EIFB Brokerage/Stock Trading Accounts (c)	Any Active EIFB Brokerage/Stock Trading Accounts
Monthly Fee (FALL BELOW FEE) (only if conditions 'a' or 'b' or 'c' are not met)	AED 262.50 per month
Relationship Fee	AED 210 per month
Euro Account Maintenance Fee (w.e.f 1 July 2018)	EUR 52.50 per month
Teller Fees (Cash Deposit & Withdrawal / Fund Transfer (Cheque / Intergroup)	AED 105.00 per transaction
Bulk cash deposit & withdrawal at teller counter	0.5% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis
Customer Package Changes / Charges	NA
Account Closure (within 6 months)	AED 210
Dormant Account Charges	AED 315 per year
*Emirates Islamic reserves the right to downgrade the package, if the Minimum Average Balance requirement is not met for three consecutive months.

Cheque Related Charges

Parameters	Classic
Cheque Book Charges (Online & Manual)	AED 52.50 per cheque book of 50 leaves*
Cheque Book - Processing Fee (Additional Charges for Manual Request)	AED 52.50 per request
Cheque / DDA (Direct Debit Authority) returned charges	AED 315
Cheque Book Delivery (Branch)	AED 52.50
Cheque Return - Inward (return reason "Represent after 3 working days")*	AED 315
Inward clearing fees	Free
Cheque collection charges	0.125% of the cheque amount, subject to a min. AED 52.50 & a max. AED 525 -, plus AED 84 as courier charge
* As per the mandate from the Central Bank of UAE, cheque books issued during the first 6 months of opening the account could be limited to 10 leaves depending on the entity’s rating with the credit bureau (AECB).

Telegraphic Transfer (Manual Request)*

Parameters	Classic
Local TT	AED 105
International TT	AED 126

Telegraphic Transfer (businessONLINE)*

Parameters	Classic
Local TT	AED 31.50
International TT	AED 47.25

* Correspondent / Central Bank charges will be applicable on actual basis.

Certificate

Parameters	Classic
Certificate of Balance/Balance Confirmaton (Manual)	AED 157.50 per certificate
Certificate of Balance/Balance Confirmaton (Online)	AED 78.75 per certificate

Salary WPS Charges

Parameters	Classic
Manual Processing Charges (via Branches)* * Manual WPS processing allowed only for approved customers.	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)
businessONLINE (via electronic platform)	*AED 57.75 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)

Salary (Non WPS)

Parameters	Classic
Manual Processing Charges (via Branches)* * Manual WPS processing allowed only for approved customers.	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)
businessONLINE (via electronic platform)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)

GPSSA (Pension Payment)

Parameters	Classic
Manual Processing Charges (via Branches)	AED 210 per file + AED 2.10 per beneficiary.
businessONLINE (via electronic platform)	AED 52.50 per file + AED 2.10 per beneficiary.

Noqodi Payment (businessONLINE)

Parameters	Classic
Noqodi Top-up / Voucher	AED 10.50

Statement Charges

Parameters	Classic
Copy of statement – Branch (Adhoc)	AED 5.25 per page. Minimum AED 52.50
Copy of Physical Statement - Delivery through courier (per request)	AED 262.5 per request
e-statement (monthly)	Free
Liability Letter	AED 210
No Liability Letter	AED 210
Download Statement - Online with Digital stamp	Free

Standing Instructions

Parameters	Classic
Set up charges	AED 105
Periodic Payments (per transaction)	Free
Amendment charges	AED 57.75
Failed Standing Instruction	AED 57.75
Balance order	AED 525 p.a.

Inward Remittances

Parameters	Classic
If deposited in beneficiarys’ account	Free
If in AED & JOD Currencies from participating banks in BUNA	USD 3.5 per Transaction (applicable only to BEN/SHA)

Demand Draft and MC/PO:Others

Parameters	Classic
Issuance of DD/MC/PO	AED 52.50
Cancellation of DD/MC/PO	AED 52.50
Additional telex (e.g. tracer) sent at request of customer - UAE	AED 105
Additional telex (e.g. tracer) sent at request of customer - Others	AED 105
Cancellation of remittance instruction/recalling of funds remitted	AED 105
Swift message copy	AED 42
Special Clearing - Outward	AED 262.50
Special Clearing - Inward (Proceeds by Manager’s Cheque)	Free
Special Clearing - Inward (Proceeds through UAE Central Bank)	Free
Request for copy of old cheuqes up to 6 months old	AED 31.50 per copy
Request for copy of old cheuqes more than 6 months old	AED 52.50 per copy

Stop Payment Charge (per instruction)

Parameters	Classic
For Cheque/Demand Draft/Manager’s Cheque (up to 3 leaves/unit)	AED 52.50
For Cheque/Demand Draft/Manager’s Cheque (Greater than 3 leaves/units)	AED 63

Foreign Currency (Collected in same FCY)

Parameters	Classic
Foreign Currency cash deposit	1% (Minimum AED 105)
Foreign Currency cash withdrawal	1% (Minimum AED 105)

Trade Licence Expiry

Parameters	Classic
Trade License Updation - Processing Fee (Manual Request)	AED 105 per request
Trade License Renewal (grace period of 2 months allowed from date of expiration)	AED 367.50 monthly

Other Charges

Parameters	Classic
Audit confirmation (Manual)	AED 262.50
Audit confirmation (Online)	AED 78.75
TCI report	AED 262.50
IBAN/Reference Letter/Other reports/Other Letters* (Manual)	AED 262.50
IBAN/Reference Letter/Other reports/Other Letters* (Online)	AED 78.75
*This includes IBAN Letter, Reference letters, account closure letter or any other letter issued on customer request

Credit/Confidential Reports

Parameters	Classic
Issued to organizations within UAE	AED 262.50
Issued to organizations outside UAE	AED 262.50

Post Dated Cheques

Parameters	Classic
Extension of due date	AED 42
Substitution of cheque with cash	AED 42
Postdated cheques deposited for collection	AED 42
Letters of Encashment	0.125%
Cheque Certification	N/A

Outward Clean Collections

Parameters	Classic
Standard collections:	Free
Commission	Free
OCC Return Charges	Cheque return charges: AED 105
Cash letter items Commission	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post

Inward Clean Collection

Parameters	Classic
Commission	1/8% (minimum AED 42, maximum AED 525 or equivalent)
Proceeds by DD/MC	AED 10.50
Proceeds by TT	AED 63 per message

Other Services

Parameters	Classic
Hold mail	Free
Holding undelivered mail	AED 105 p.a.

Postage (to be recovered in all cases where mailing is required as part of a transaction):

Parameters	Classic
UAE	AED 15.75 minimum
Other	AED 31.50 minimum

Faxes

Parameters	Classic
UAE	AED 26.25
Others	AED 52.50

Courier

Parameters	Classic
UAE	AED 63
Others	AED 157.50 minimum

Telex/Cable/SWIFT messages (Based on the length of the message)

Parameters	Classic
UAE	AED 63 minimum
Others	AED 73.50 minimum
Investigations	Within 1 year AED 84 After 1 year minimum AED 126
Request for non-standard statement frequency	AED 52.50 p.m.
Send MT940s on customer request (Monthly per account)	AED 157.50 per month

Certificates

Parameters	Classic
Capital Guarantee Certificate	AED 525
Attestation of Signature	AED 157.50

Certificate for Issuance of Trade Licence Favouring

Parameters	Classic
Department of Economic Development	AED 525
Free Zones and others	AED 525
T.C. Purchase	AED 21
Issue of IPO/Rights issues by order	AED 105

Channel Fees : businessONLINE

Parameters	Classic
Subscription Fees	Free
Token charges	AED 262.50/- per token
Password Reset	Free
Swift message copy download	AED15.75
Subsidiary / Associate company account addition	AED 105/- per request

Corporate Cash and Cheque Collection

Parameters	Classic
Per Visit Charges	As per Contract
Corporate Cash Collection - Processing Fee	As per Contract

SMS and Online Fees

Parameters	Classic
Subscription Fees	Free
Monthly SMS Charges	Free
Fax Indemnity Charge	AED 525 per anum

Emirates Islamic Debit Card Charges

Parameters	Classic
Debit Card Replacement Fee	AED 26.25
Foreign Currency Transaction Fee*	2.50%
Copy of Sales Voucher	Free
Usage fee in UAE at Emirates Islamic / Emirates NBD ATMs
Cash Withdrawal/Deposit	Free
Balance Inquiry	Free
Mini statement	Free
Utility payment	Free
Usage fee on Non Emirates Islamic / Emirates NBD (UAE Switch) ATMs
Cash Withdrawal	AED 2.1
Balance Inquiry	AED 1.05
Declined transaction	AED 1.05
In Arab Gulf Cooperation Countries at GCC NET ATMs
Cash Withdrawal	AED 6.3
Balance Inquiry	AED 3.15
International ATMs (outside UAE)
Cash Withdrawal	AED 21
Balance Inquiry	Free (if available)

*This fee is charged in addition to the standard processing fee charged by Visa International and is applicable to transactions performed in any currency other than UAE Dirhams. Charges are in UAE Dirhams and subject to Bank's policies. All fees and changes in this guide are subject to change without notice. Bank reserves the right to offer services and charges mentioned above at its sole discretion. Bank reserves the right to levy additional charges for additional services that might be offered in addition to the above mentioned services at its discretion.