Business Banking | Fees and Charges

Current Account

Parameters	Emarati Absher Business Account	Tajer/E-Trader	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
*Minimum Monthly Average Relationship Balance (a)	>= AED 5,000	>= AED 3,000	>= AED 10,000	>= AED 10,000	>= AED 50,000	>= AED 150,000	>= AED 400,000	>= AED 3,500,000
Any Finance Facilities (b)	Any Active Finance	Any Active Finance	Any Active Finance	Any Active Finance	Any Active Finance	Any Active Finance	Any Active Finance	Any Active Finance
EIFB Brokerage/Stock Trading Accounts (c)	Any Active EIFB Brokerage/Stock Trading Accounts	Any Active EIFB Brokerage/Stock Trading Accounts	Any Active EIFB Brokerage/Stock Trading Accounts	Any Active EIFB Brokerage/Stock Trading Accounts	Any Active EIFB Brokerage/Stock Trading Accounts	Any Active EIFB Brokerage/Stock Trading Accounts	Any Active EIFB Brokerage/Stock Trading Accounts	Any Active EIFB Brokerage/Stock Trading Accounts
Monthly Fee (FALL BELOW FEE) (only if conditions 'a' or 'b' or 'c' are not met)	Free for first 6 months. AED 52.50 thereafter	Free for first 12 months. AED 315 thereafter	Free for first 12 months. AED 315 thereafter.	AED 52.50 per month	AED 315 per month	AED 446.25 per month	AED 682.5 per month	AED 2,100 per month
Relationship Fee	105 per month	Nil	AED 105 per month	AED 236.25 per month	AED 131.25 per month	Nil	Nil	Nil
Euro Account Maintenance Fee (w.e.f 1 July 2018)	EUR 52.50 per month	EUR 52.50 per month	EUR 52.50 per month	EUR 52.50 per month	EUR 52.50 per month	EUR 52.50 per month	EUR 52.50 per month	EUR 52.50 per month
Teller Fees (Cash Deposit & Withdrawal / Fund Transfer (Cheque / Intergroup)	AED 52.50 per transaction	Free up to 5 transactions per month thereafter AED 10.50 per transaction	Free up to 5 transactions per month thereafter AED 10.50 per transaction	AED 105 Per transaction	AED 78.75 per transaction	Free up to 5 transactions per month thereafter AED 15.75 per transaction	Free up to 10 transactions per month thereafter AED 10.50 per transaction	Free up to 30 transactions per month thereafter AED 5.25 per transaction
Bulk cash deposit & withdrawal at teller counter	0.25% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis	0.25% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis	0.25% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis	0.5% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis	0.25% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis	0.15% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis	0.1% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis	0.1% of the total cash deposited / withdrawn, for amounts of 3 Million and above on a daily basis
Customer Package Changes / Charges	NA	NA	NA	NA	NA	One-Off: Applied only for downgrade - 210/- if package changed within 6 months	One-Off: Applied only for downgrade - 210/- if package changed within 6 months	One-Off: Applied only for downgrade - 210/- if package changed within 6 months
Account Closure (within 6 months)	AED 210	AED 210	AED 210	AED 210	AED 210	AED 210	AED 210	AED 210
*Emirates Islamic reserves the right to downgrade the package, if the Minimum Average Balance requirement is not met for three consecutive months.

Wakala Deposits

Wakeel/Wakala Fee

AED 105

per request

Cheque Related Charges

Parameters	Emarati Absher Business Account	Tajer/E-Trader	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Cheque Book Charges*	AED 52.50 per cheque book of 50 leaves	AED 26.25 per cheque book of 50 leaves	AED 52.50 per cheque book of 50 leaves	AED 52.50 per cheque book of 50 leaves	AED 52.50 per cheque book of 50 leaves	Free	Free	Free
Cheque Book - Processing Fee (Manual Request)	AED 52.50 per request	AED 52.50 per request	AED 52.50 per request	AED 52.50 per request	AED 52.50 per request	AED 52.50 per request	AED 52.50 per request	AED 52.50 per request
Cheque / DDA (Direct Debit Authority) returned charges	AED 315	AED 315	AED 315	AED 315	AED 315	AED 315	AED 315	AED 315
Cheque Book Delivery (Branch)	AED 31.50	AED 31.50	AED 31.50	AED 105	AED 31.50	AED 26.25	AED 21	AED 21
Cheque Return - Inward (return reason "Represent after 3 working days")*	AED 315	AED 315	AED 315	AED 315	AED 315	AED 315	AED 315	AED 315
Inward clearing fees	Free	Free	Free	Free	Free	Free	Free	Free
Cheque collection charges	0.125% of the cheque amount, subject to a min. AED 52.50 & a max. AED525 -, 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	Emarati Absher Business Account	Tajer/E-Trader	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Local TT	AED 78.75	AED 31.50	AED 78.75	AED 157.50	AED 78.75	AED 52.50	AED 42	AED 31.5
International TT	AED 105	AED 52.50	AED 105	AED 157.50	AED 105	AED 78.75	AED 78.75	AED 78.75
*Correspondent / Central Bank charges will be applicable on actual basis.

Telegraphic Transfer (businessONLINE)*

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Local TT	AED 21	AED 10.50	AED 10.50	AED 1.05	AED 21	AED 10.50	Free	Free
International TT	AED 31.50	AED 15.75	AED 15.75	AED 21	AED 31.50	AED 26.25	AED 15.75	Free
*Correspondent / Central Bank charges will be applicable on actual basis.

Certificate

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Certificate of Balance/Balance Confirmation (Manual)	AED 157.50 per certificate	AED 157.50 per certificate	AED 157.50 per certificate	AED 262.50 per certificate	AED 157.50 per certificate	AED 157.50 per certificate	AED 131.25 per certificate	AED 131.25 per certificate
Certificate of Balance/Balance Confirmation (Online)	AED 78.75 per certificate	AED 78.75 per certificate	AED 78.75 per certificate	AED 78.75 per certificate	AED 78.75 per certificate	AED 78.75 per certificate	AED 78.75 per certificate	AED 78.75 per certificate

Salary WPS Charges

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Manual Processing Charges (via Branches)*	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 787.50 per file + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	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)	AED 57.75 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 57.75 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 57.75 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 57.75 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 57.75 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 57.75 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	Free
* Manual WPS processing allowed only for approved customers.

Salary (Non WPS)

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Manual Processing Charges (via Branches)*	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 210 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	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)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)	AED 105 per File / Batch + AED 3.15 per account (per account charge is Free for EI/ENBD Accounts)
* Manual WPS processing allowed only for approved customers.

GPSSA (Pension Payment)

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Manual Processing Charges (via Branches)	AED 210 per file + AED 2.10 per beneficiary	AED 210 per file + AED 2.10 per beneficiary	AED 210 per file + AED 2.10 per beneficiary	AED 210 per file + AED 2.10 per beneficiary.	AED 210 per file + AED 2.10 per beneficiary	AED 210 per file + AED 2.10 per beneficiary	AED 210 per file + AED 2.10 per beneficiary	AED 210 per file + AED 2.10 per beneficiary
businessONLINE (via electronic platform)	AED 52.50 per file + AED 2.10 per beneficiary	AED 52.50 per file + AED 2.10 per beneficiary	AED 52.50 per file + AED 2.10 per beneficiary	AED 52.50 per file + AED 2.10 per beneficiary	AED 52.50 per file + AED 2.10 per beneficiary	AED 52.50 per file + AED 2.10 per beneficiary	AED 52.50 per file + AED 2.10 per beneficiary	AED 52.50 per file + AED 2.10 per beneficiary

Noqodi Payment (businessONLINE)

Parameters	Emarati Absher Business Account	e-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Noqodi Top-up / Voucher	AED 10.50	AED 10.50	AED 10.50	AED 10.50	AED 10.50	AED 10.50	AED 10.50	AED 10.50

Statement Charges

Parameters	Emarati Absher Business Account	e-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Copy of statement – Branch (Adhoc)	AED 5.25 per page. Minimum AED 52.50	AED 5.25 per page. Minimum AED 52.50	AED 5.25 per page. Minimum AED 52.50	AED 5.25 per page. Minimum 105	AED 5.25 per page. Minimum AED 52.50	AED 5.25 per page. Minimum AED 26.25	AED 5.25 per page. Minimum AED 21	AED 5.25 per page. Minimum AED 21
Copy of Physical Statement - Delivery through courier (per request)	AED 262.5 per request	AED 262.5 per request	AED 262.5 per request	AED 262.5 per request	AED 262.5 per request	AED 262.5 per request	AED 262.5 per request	AED 262.5 per request
e-statement (monthly)	Free	Free	Free	Free	Free	Free	Free	Free
Liability Letter	AED 210	AED 210	AED 210	AED 262.50	AED 210	AED 157.50	AED 105	AED 105
No Liability Letter	AED 210	AED 210	AED 210	AED 262.50	AED 210	AED 157.50	AED 105	AED 105
Download Statement - Online with Digital stamp	Free	Free	Free	Free	Free	Free	Free	Free

Standing Instructions

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Set up charges	AED 78.75	AED 78.75	AED 78.75	AED 105	AED 78.75	AED 52.50	AED 26.25	AED 26.25
Periodic Payments (per transaction)	Free	Free	Free	Free	Free	Free	Free	Free
Amendment charges	AED 31.50	AED 31.50	AED 31.50	AED 57.75	AED 31.50	AED 26.25	AED 15.75	AED 15.75
Failed Standing Instruction	AED 47.25	AED 47.25	AED 47.25	AED 57.75	AED 47.25	AED 42	AED 31.50	AED 31.50
Balance order	AED 189 p.a.	AED 189 p.a.	AED 189 p.a.	AED 525 p.a.	AED 189 p.a.	AED 168 p.a.	AED 147 p.a.	AED 147 p.a.

Inward Remittances

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
If deposited in beneficiarys’ account	Free	Free	Free	Free	Free	Free	Free	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	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Issuance of DD/MC/PO	AED 26.25	AED 26.25	AED 26.25	AED 52.50	AED 26.25	AED 21	AED 15.75	AED 15.75
Cancellation of DD/MC/PO	Free	Free	Free	AED 52.50	Free	Free	Free	Free
Additional telex (e.g. tracer) sent at request of customer - UAE	AED 73.50	AED 73.50	AED 73.50	AED 105	AED 73.50	AED 52.50	AED 47.25	AED 47.25
Additional telex (e.g. tracer) sent at request of customer - Others	AED 73.50	AED 73.50	AED 73.50	AED 105	AED 73.50	AED 52.50	AED 47.25	AED 47.25
Cancellation of remittance instruction/recalling of funds remitted	AED 84	AED 84	AED 84	AED 105	AED 84	AED 84	AED 73.50	AED 73.50
Swift message copy	AED 21	AED 21	AED 21	AED 42	AED 21	AED 15.75	AED 10.50	AED 10.50
Special Clearing - Outward	AED 262.50	AED 262.50	AED 262.50	AED 262.50	AED 262.50	AED 262.50	AED 262.50	AED 262.50
Special Clearing - Inward (Proceeds by Manager’s Cheque)	Free	Free	Free	Free	Free	Free	Free	Free
Special Clearing - Inward (Proceeds through UAE Central Bank)	Free	Free	Free	Free	Free	Free	Free	Free
Request for copy of old cheuqes up to 6 months old	AED 21 per copy	AED 21 per copy	AED 21 per copy	AED 31.50 per copy	AED 21 per copy	AED 10.50 per copy	AED 5.25 per copy	AED 5.25 per copy
Request for copy of old cheuqes more than 6 months old	AED 42 per copy	AED 42 per copy	AED 42 per copy	AED 52.50 per copy	AED 42 per copy	AED 21 per copy	AED 15.75 per copy	AED 15.75 per copy

Stop Payment Charge (per instruction)

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
For Cheque/Demand Draft/Manager’s Cheque (up to 3 leaves/unit)	AED 31.50	AED 31.50	AED 31.50	AED 52.50	AED 31.50	AED 21	AED 15.75	AED 15.75
For Cheque/Demand Draft/Manager’s Cheque (Greater than 3 leaves/units)	AED 42	AED 42	AED 42	AED 63	AED 42	AED 31.50	AED 21	AED 21

Foreign Currency (Collected in same FCY)

Parameters	Emarati Absher Business Account	Ee-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Foreign Currency cash deposit	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)
Foreign Currency cash withdrawal	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)	1% (Minimum AED 105)

Trade Licence Expiry

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Trade License Updation - Processing Fee (Manual Request)	AED 105 per request	AED 105 per request	AED 105 per request	AED 105 per request	AED 105 per request	AED 105 per request	AED 105 per request	AED 105 per request
Trade License Renewal (grace period of 2 months allowed from date of expiration)	AED 367.50 Monthly	AED 367.50 Monthly	AED 367.50 Monthly	AED 367.50 monthly	AED 367.50 Monthly	AED 367.50 Monthly	AED 367.50 Monthly	AED 367.50 Monthly

Other Charges

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Audit confirmation (Manual)	AED 157.50	AED 157.50	AED 157.50	AED 262.50	AED 157.50	AED 157.50	AED 131.25	AED 131.25
Audit confirmation (Online)	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75
TCI report	AED 157.50	AED 157.50	AED 157.50	AED 262.50	AED 157.50	AED 157.50	AED 131.25	AED 131.25
IBAN/Reference Letter/Other reports/Other Letters* (Manual)	AED 157.50	AED 157.50	AED 157.50	AED 262.50	AED 157.50	AED 157.50	AED 131.25	AED 131.25
IBAN/Reference Letter/Other reports/Other Letters* (Online)	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75	AED 78.75
*This includes IBAN Letter, Reference letters, account closure letter or any other letter issued on customer request.

Credit/Confidential Reports

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Issued to organizations within UAE	AED 210	AED 210	AED 210	AED 262.50	AED 210	AED 210	AED 210	AED 210
Issued to organizations outside UAE	AED 210	AED 210	AED 210	AED 262.50	AED 210	AED 210	AED 210	AED 210

Post Dated Cheques

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Extension of due date	AED 31.50	AED 31.50	AED 31.50	AED 42	AED 31.50	AED 21	AED 15.75	AED 15.75
Substitution of cheque with cash	AED 31.50	AED 31.50	AED 31.50	AED 42	AED 31.50	AED 21	AED 15.75	AED 15.75
Postdated cheques deposited for collection	AED 31.50	AED 31.50	AED 31.50	AED 42	AED 31.50	AED 21	AED 15.75	AED 15.75
Letters of Encashment	0.125%	0.125%	0.125%	0.125%	0.125%	0.125%	0.125%	0.125%
Cheque Certification	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Outward Clean Collections

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Standard collections:	Free	Free	Free	Free	Free	Free	Free	Free
Commission	Free	Free	Free	Free	Free	Free	Free	Free
OCC Return Charges	Cheque return charges: AED 52.50	Cheque return charges: AED 52.50	Cheque return charges: AED 52.50	Cheque return charges: 105	Cheque return charges: AED 52.50	Cheque return charges: AED 52.50	Cheque return charges: AED 52.50	Cheque return charges: AED 52.50
Cash letter items Commission	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post	1/10% (minimum AED 21, maximum AED 525 or equivalent) + AED 10.50 for Post	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post	1/10% (minimum AED 21, maximum AED 525 or equivalent) AED 10.50 for post

Inward Clean Collection

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Commission	1/8% (minimum AED 42, maximum AED 525 or equivalent)	1/8% (minimum AED 42, maximum AED 525 or equivalent)	1/8% (minimum AED 42, maximum AED 525 or equivalent)	1/8% (minimum AED 42, maximum AED 525 or equivalent)	1/8% (minimum AED 42, maximum AED 525 or equivalent)	1/8% (minimum AED 42, maximum AED 525 or equivalent)	1/8% (minimum AED 42, maximum AED 525 or equivalent)	1/8% (minimum AED 42, maximum AED 525 or equivalent)
Proceeds by DD/MC	AED 10.50	AED 10.50	AED 10.50	AED 10.50	AED 10.50	Free	Free	Free
Proceeds by TT	AED 63 per message	AED 63 per message	AED 63 per message	AED 63 per message	AED 63 per message	Free	Free	Free

Other Services

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Hold mail	Free	Free	Free	Free	Free	Free	Free	Free

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

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
UAE	AED 15.75 minimum	AED 15.75 minimum	AED 15.75 minimum	AED 15.75 minimum	AED 15.75 minimum	AED 15.75 minimum	AED 15.75 minimum	AED 15.75 minimum
Other	AED 31.50 minimum	AED 31.50 minimum	AED 31.50 minimum	AED 31.50 minimum	AED 31.50 minimum	AED 31.50 minimum	AED 31.50 minimum	AED 31.50 minimum

Faxes

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
UAE	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25
Others	AED 52.50	AED 52.50	AED 52.50	AED 52.50	AED 52.50	AED 52.50	AED 52.50	AED 52.50

Courier

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
UAE	AED 42 minimum	AED 42 minimum	AED 42 minimum	AED 63	AED 42 minimum	AED 31.50 minimum	AED 21 minimum	AED 21 minimum
Others	AED 131.25 minimum	AED 131.25 minimum	AED 131.25 minimum	AED 157.50 minimum	AED 131.25 minimum	AED 105 minimum	AED 84 minimum	AED 84 minimum

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

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
UAE	AED 47.25 minimum	AED 47.25 minimum	AED 47.25 minimum	AED 63 minimum	AED 47.25 minimum	AED 31.50	AED 21	AED 21
Others	AED 63 minimum	AED 63 minimum	AED 63 minimum	AED 73.50 minimum	AED 63 minimum	AED 47.25	AED 31.50	AED 31.50
Investigations	Within 1 year AED 52.50 After 1 year minimum AED 105	Within 1 year AED 52.50 After 1 year minimum AED 105	Within 1 year AED 52.50 After 1 year minimum AED 105	Within 1 year AED 84 After 1 year minimum AED 126	Within 1 year AED 52.50 After 1 year minimum AED 105	Within 1 year AED 42 After 1 year minimum AED 94.50	Within 1 year AED 31.50 After 1 year minimum AED 84	Within 1 year AED 31.50 After 1 year minimum AED 84
Request for non-standard statement frequency	AED 42 p.m.	AED 42 p.m.	AED 42 p.m.	AED 52.50 p.m.	AED 42 p.m.	AED 31.50 p.m.	AED 21 p.m.	AED 21 p.m.
Send MT940s on customer request (Monthly per account)	AED 157.50 per month	AED 157.50 p.m.	AED 157.50 per month	AED 157.50 p.m.	AED 157.50 p.m.	AED 157.50 p.m.	AED 157.50 p.m.	AED 157.50 p.m.

Certificates

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Capital Guarantee Certificate	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525
Attestation of Signature	AED 52.50	AED 52.50	AED 52.50	AED 157.50	AED 52.50	AED 52.50	AED 52.50	AED 52.50

Certificate for Issuance of Trade Licence Favouring

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Department of Economic Development	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525
Free Zones and others	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525	AED 525
T.C. Purchase	AED 21	AED 21	AED 21	AED 21	AED 21	AED 21	AED 21	AED 21
Issue of IPO/Rights issues by order	AED 105	AED 105	AED 105	AED 105	AED 105	AED 105	AED 105	AED 105

Channel Fees : businessONLINE

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Subscription Fees	Free	Free	Free	Free	Free	Free	Free	Free
Token charges	AED 262.50/- per token	AED 262.50/- per token	AED 262.50/- per token	AED 105/- per token	AED 262.50/- per token	AED 262.50/- per token	AED 262.50/- per token	AED 262.50/- per token
Password Reset	Free	Free	Free	Free	Free	Free	Free	Free
Swift message copy download	Free	Free	Free	AED15.75	Free	Free	Free	Free
Subsidiary/Associate company account addition	AED 52.50/- per request	AED 52.50/- per request	AED 52.50/- per request	AED 105/- per request	AED 105/- per request	AED 105/- per request	AED 105/- per request	AED 105/- per request

Corporate Cash and Cheque Collection

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Per Visit Charges	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract
Corporate Cash Collection - Processing Fee	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract	As per Contract

SMS and Online Fees

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Subscription Fees	Free	Free	Free	Free	Free	Free	Free	Free
Monthly SMS Charges	Free	Free	Free	Free	Free	Free	Free	Free

Emirates Islamic Debit Card Charges

Parameters	Emarati Absher Business Account	E-Trader/Tajer	Businesswomen Account¹	Digital¹	Premium	Gold	Platinum	Diamond
Debit Card Replacement Fee	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25	AED 26.25
Foreign currency transaction in non-UAE dirhams²	2.50% (2.34% - Effective 1 March 2025)	2.50% (2.34% - Effective 1 March 2025)	2.50% (2.34% - Effective 1 March 2025)	2.50% (2.34% - Effective 1 March 2025)	2.50% (2.34% - Effective 1 March 2025)	2.50% (2.34% - Effective 1 March 2025)	2.50% (2.34% - Effective 1 March 2025)	2.50% (2.34% - Effective 1 March 2025)
Foreign currency transaction in UAE dirhams³	1.99%	1.99%	1.99%	1.99%	1.99%	1.99%	1.99%	1.99%
Copy of Sales Voucher	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee
Usage fee in UAE at Emirates Islamic / Emirates NBD ATMs
Cash Withdrawal/Deposit	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee
Balance Inquiry	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee
Mini statement	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee
Utility payment	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee	No Fee
Usage fee on Non Emirates Islamic / Emirates NBD (UAE Switch) ATMs
Cash Withdrawal	AED 2.1	AED 2.1	AED 2.1	AED 2.1	AED 2.1	No Fee	No Fee	No Fee
Balance Inquiry	AED 1.05	AED 1.05	AED 1.05	AED 1.05	AED 1.05	No Fee	No Fee	No Fee
Declined transaction	AED 0	AED 0	AED 0	AED 1.05	AED 1.05	No Fee	No Fee	No Fee
In Arab Gulf Cooperation Countries at GCC NET ATMs
Cash Withdrawal	AED 6.30	AED 6.30	AED 6.30	AED 6.30	AED 6.30	No Fee	No Fee	No Fee
Balance Inquiry	AED 3.15	AED 3.15	AED 3.15	AED 3.15	AED 3.15	No Fee	No Fee	No Fee
International ATMs (outside UAE)
Cash Withdrawal	AED 21	AED 21	AED 21	AED 21	AED 21	AED 21	No Fee	No Fee
Balance Inquiry	No Fee (if available)	No Fee (if available)	No Fee (if available)	No Fee (if available)	No Fee (if available)	No Fee (if available)	No Fee (if available)	No Fee (if available)

¹Available for New Customers Only.

²This 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%).

³This 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 .

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.