Business Banking


All charges below are inclusive of VAT (**). Click here for more details.

Click here to view fees & charges for Classic Package

Current Account


Parameters Expo2020/Tajer/E-Trader Digital
(Available for New Customers Only)
Premium Gold Platinum
*Minimum Monthly Average Relationship Balance (a) >= 10,000(Expo2020)
>= 3,000(Tajar/E-Trader)
>= 10,000 to 35,000 >= AED 35,000 to AED 100,000 >= AED 100,000 to AED 250,000 >= AED 250,000
Any Finance Facilities (b) 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
Monthly Fee (FALL BELOW FEE) (only if conditions 'a' or 'b' or 'c' are not met) Free for first 12 months. AED 315 thereafter AED 52.50 per month AED 315 per month AED 420 per month AED 525 per month
Relationship Fee Nil AED 210 per month AED 131.25 per month Nil Nil
Euro Account Maintenance Fee (w.e.f 1 July 2018) EUR 52.50 EUR 52.50 EUR 52.50 EUR 52.50 EUR 52.50
Teller Fees (Cash Deposit & Withdrawal / Fund Transfer (Cheque / Intergroup) Free up to 5 transactions per month thereafter AED 10.50 per transaction AED 105 Per transaction Free up to 2 transactions per month and AED 52.50 per transaction thereafter. 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
Bulk cash deposit & withdrawal at teller counter 0.25% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis 0.5% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis 0.25% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis 0.15% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis 0.1% of the total cash deposited / withdrawn, for amounts of 1 Million and above on a daily basis
Customer Package Changes / Charges 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
*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 Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Cheque Book Charges 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* 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
Cheque / DDA (Direct Debit Authority) returned charges AED 315 AED 315 AED 315 AED 315 AED 315
Cheque Book Delivery (Branch) AED 31.50 AED 105 AED 31.50 AED 26.25 AED 21
Cheque Return - Inward (return reason "Represent after 3 working days")* AED 315 AED 315 AED 315 AED 315 AED 315
Inward clearing fees 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 Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Local TT AED 31.50 AED 157.50 AED 78.75 AED 52.50 AED 42
International TT AED 52.50 AED 157.50 AED 105 AED 78.75 AED 78.75

Telegraphic Transfer (Online/smartBUSINESS)


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Local TT AED 10.50 AED 1.05 AED 21 AED 10.50 Free
International TT AED 15.75 AED 21 AED 31.50 AED 26.25 AED 15.75

Certificate


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Certificate of Balance AED 78.75 per certificate AED 157.50 per certificate AED 105 per certificate AED 52.50 per certificate Free

Salary WPS Charges


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
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)
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)
smartBUSINESS (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)

Salary (Non WPS)


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
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)
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)
smartBUSINESS (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)

GPSSA (Pension Payment)


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
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
smartBUSINESS (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

Noqodi Payment (Online/smartBUSINESS)


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Noqodi Top-up / Voucher AED 10.50 AED 10.50 AED 10.50 AED 10.50 AED 10.50

Statement Charges


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Request for copy of statement (non periodic) 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
Physical Statement (Weekly / Monthly / Quarterly / Half Yearly / Yearly) AED 105 AED 157.50 AED 105 AED 105 AED 105
e-statement (monthly) Free FREE Free Free Free
Liability Letter AED 210 AED 262.50 AED 210 AED 157.50 AED 105
No Liability Letter AED 210 AED 262.50 AED 210 AED 157.50 AED 105

Standing Instructions


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Set up charges AED 78.75 AED 105 AED 78.75 AED 52.50 AED 26.25
Periodic Payments (per transaction) Free Free Free Free Free
Amendment charges AED 31.50 AED 57.75 AED 31.50 AED 26.25 AED 15.75
Failed Standing Instruction AED 47.25 AED 57.75 AED 47.25 AED 42 AED 31.50
Balance order AED 189 p.a. AED 525 p.a. AED 189 p.a. AED 168 p.a. AED 147 p.a.

Inward Remittances


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
If deposited in beneficiarys’ account Free Free Free Free Free

Demand Draft and MC/PO:Others


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Issuance of DD/MC/PO AED 26.25 AED 52.50 AED 26.25 AED 21 AED 15.75
Cancellation of DD/MC/PO Free AED 52.50 Free Free Free
Additional telex (e.g. tracer) sent at request of customer - UAE AED 73.50 AED 105 AED 73.50 AED 52.50 AED 47.25
Additional telex (e.g. tracer) sent at request of customer - Others AED 73.50 AED 105 AED 73.50 AED 52.50 AED 47.25
Cancellation of remittance instruction/recalling of funds remitted AED 84 AED 105 AED 84 AED 84 AED 73.50
Swift message copy AED 21 AED 42 AED 21 AED 15.75 AED 10.50
Special Clearing - Outward AED 262.50 AED 262.50 AED 262.50 AED 262.50 AED 262.50
Special Clearing - Inward (Proceeds by Manager’s Cheque) AED 157.50 AED 157.50 AED 157.50 AED 157.50 AED 157.50
Special Clearing - Inward (Proceeds through UAE Central Bank) AED 157.50 AED 157.50 AED 157.50 AED 157.50 AED 157.50
Request for copy of old cheuqes up to 6 months old AED 21 per copy AED 31.50 per copy AED 21 per copy AED 10.50 per copy AED 5.25 per copy
Request for copy of old cheuqes more than 6 months old AED 42 per copy AED 52.50 per copy AED 42 per copy AED 21 per copy AED 15.75 per copy

Stop Payment Charge (per instruction)


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
For Cheque/Demand Draft/Manager’s Cheque (up to 3 leaves/unit) AED 31.50 AED 52.50 AED 31.50 AED 21 AED 15.75
For Cheque/Demand Draft/Manager’s Cheque (Greater than 3 leaves/units) AED 42 AED 63 AED 42 AED 31.50 AED 21
Account Closure (within 6 months) AED 210 AED 210 AED 210 AED 210 AED 210
Dormant Account Charges AED 157.50 per year AED 315 per year AED 157.50 per year AED 157.50 per year AED 157.50 per year

Foreign Currency (Collected in same FCY)


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Foreign Currency cash deposit 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)

Trade Licence Expiry


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
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
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

Other Charges


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Audit confirmation AED 157.50 AED 262.50 AED 157.50 AED 157.50 AED 131.25
TCI report AED 157.50 AED 262.50 AED 157.50 AED 157.50 AED 131.25
Other reports AED 157.50 AED 262.50 AED 157.50 AED 157.50 AED 131.25

Credit/Confidential Reports


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Issued to organizations within UAE AED 210 AED 262.50 AED 210 AED 210 AED 210
Issued to organizations outside UAE AED 210 AED 262.50 AED 210 AED 210 AED 210

Post Dated Cheques


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Extension of due date AED 31.50 AED 42 AED 31.50 AED 21 AED 15.75
Substitution of cheque with cash AED 31.50 AED 42 AED 31.50 AED 21 AED 15.75
Postdated cheques deposited for collection AED 31.50 AED 42 AED 31.50 AED 21 AED 15.75
Letters of Encashment 0.125% 0.125% 0.125% 0.125% 0.125%
Cheque Certification N/A N/A N/A N/A N/A

Outward Clean Collections


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Standard collections: Free Free Free Free Free
Commission Free Free Free Free Free
OCC Return Charges 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
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

Inward Clean Collection


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Commission 1/8 percent (minimum
AED 42, maximum AED
525 or equivalent)
1/8 percent (minimum
AED 42, maximum
AED 525 or equivalent)
1/8 percent (minimum
AED 42, maximum AED
525 or equivalent)
1/8 percent (minimum
AED 42, maximum AED
525 or equivalent)
1/8 percent (minimum
AED 42, maximum AED
525 or equivalent)
Proceeds by DD/MC AED 10.50 AED 10.50 AED 10.50 Free Free
Proceeds by TT AED 63 per message AED 63 per message
AED 63 per message Free Free

Other Services


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Hold mail Free Free Free Free Free
Holding undelivered mail AED 105 p.a. AED 105 p.a.  AED 105 p.a. AED 105 p.a. AED 105 p.a.

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


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
UAE 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

Faxes


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
UAE 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

Courier


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
UAE AED 42 minimum AED 63 AED 42 minimum AED 31.50 minimum AED 21 minimum
Others AED 131.25 minimum  AED 157.50 minimum AED 131.25 minimum AED 105 minimum AED 84 minimum

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


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
UAE AED 47.25 minimum  AED 63 minimum AED 47.25 minimum AED 31.50 AED 21
Others AED 63 minimum AED 73.50 minimum AED 63 minimum AED 47.25 AED 31.50
Investigations 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
Request for non-standard
statement frequency
AED 42 p.m. AED 52.50 p.m. AED 42 p.m. AED 31.50 p.m. AED 21 p.m.
Send MT940s on customer request
(Monthly per account)
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.

Certificates


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Capital Guarantee Certificate AED 525 AED 525 AED 525 AED 525 AED 525
Attestation of Signature AED 52.50 AED 157.50 AED 52.50 AED 52.50 AED 52.50

Certificate for Issuance of Trade Licence Favouring


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Department of Economic
Development
AED 525 AED 525 AED 525 AED 525 AED 525
Free Zones and others AED 525 AED 525 AED 525 AED 525 AED 525
T.C. Purchase 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

Channel Fees : smartBUSINESS / businessONLINE


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Subscription Fees Free Free Free Free Free
Token charges AED 262.50/- per token AED 105/- per token AED 262.50/- per token AED 262.50/- per token AED 262.50/- per token
Password Reset AED 26.25/- per request AED 52.50/- per request AED 52.50/- per request AED 52.50/- per request AED 52.50/- per request
Swift message copy download Free AED15.75 Free Free Free
Subsidiary / Associate company
account addition
AED 52.50/- per request AED 105/- per request AED 105/- per request AED 105/- per request AED 105/- per request

Corporate Cash and Cheque Collection


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Per Visit Charges 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

SMS and Online Fees


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Subscription Fees Free Free Free Free Free
Monthly SMS Charges Free Free Free Free Free
Fax Indemnity Charge AED 262.50 per anum AED 525 per anum AED 262.50 per anum AED 262.50 per anum AED 262.50 per anum

Emirates Islamic Debit Card Charges


Parameters Expo2020/e-Trader/Tajer Digital
(Available for New Customers Only)
Premium Gold Platinum
Debit Card Replacement Fee AED 26.25 AED 26.25 AED 26.25 AED 26.25 AED 26.25
Foreign Currency Transaction Fee* 2.50% 2.50% 2.50% 2.50% 2.50%
Copy of Sales Voucher Free Free Free Free Free
Usage fee in UAE at Emirates Islamic / Emirates NBD ATMs
Cash Withdrawal/Deposit Free Free Free Free Free
Balance Inquiry Free Free Free Free Free
Mini statement Free Free Free Free Free
Utility payment Free Free Free Free Free
Usage fee on Non Emirates Islamic / Emirates NBD (UAE Switch) ATMs
Cash Withdrawal AED 2.1 AED 2.1 AED 2.1 Free Free
Balance Inquiry AED 1.05 AED 1.05 AED 1.05 Free Free
Declined transaction AED 0 AED 1.05 AED 1.05 Free Free
In Arab Gulf Cooperation Countries at GCC NET ATMs
Cash Withdrawal AED 6.30 AED 6.30 AED 6.30 Free Free
Balance Inquiry AED 3.15 AED 3.15 AED 3.15 Free Free
International ATMs (outside UAE)
Cash Withdrawal AED 21 AED 21 AED 21 AED 21 Free
Balance Inquiry Free Free (if available) Free (if available) Free (if available) 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.