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Fees and Charges

Effective 28 February 2022, a monthly administration fee of AED 300 will be applicable towards customers who are not registered for digital channels.


Account Features Basic Account Business Advantage Business Preferred Merchant Account Call Account
Minimum Monthly Average Balance AED 50,000 AED 250,000 AED 500,000 AED 10,000 AED 10,000
Fall below Fee (Per month) AED 250 AED 350 AED 500 AED 250 AED 250
Relationship Fee Free Free Free Free Free

Account Maintenance Charges Basic Account Business Advantage Business Preferred Merchant Account Call Account
Account closure Fee within 0-12 month AED 150 AED 250 AED 500 AED 150 AED 150
Customer Package Changes Charges
(Upgrade/Downgrade)
AED 250 AED 500 AED 750 N/A N/A

Teller Transaction Basic Account Business Advantage Business Preferred Merchant Account Call Account
Internal Fund Transfer Free Free Free Free Free
Foreign Currency cash Deposit / Withdrawal 1% For All FCY currency 1% For All FCY currency 1% For All FCY currency 1% For All FCY currency 1% For All FCY currency
Teller Transaction 2 Free transactions per month, thereafter AED 10 per transaction 8 Free transactions per month, thereafter AED 10 per transaction 20 Free transactions per month, thereafter AED 10 per transaction Free Free
Bulk AED cash deposit at teller counter and cash deposit centers 0.10% for AED 0.50 Million up to AED 1 Million. 0.25% for amounts more than AED 1 Million aggregated across all branches and cash deposit centers on a daily basis. Free for up to AED 1 Million. 0.15% for amounts more than AED 1 Million aggregated across all branches and cash deposit centers on a daily basis. Free for up to AED 1 Million. 0.10% for amounts more than AED 1 Million aggregated across all branches and cash deposit centers on a daily basis. Free Free
Bulk AED cash withdrawal at teller counter and cash deposit centers 0.10% for AED 0.50 Million up to AED 1 Million. 0.25% for amounts more than AED 1 Million aggregated across all branches and cash deposit centers on a daily basis. Free for up to AED 1 Million. 0.15% for amounts more than AED 1 Million aggregated across all branches and cash deposit centers on a daily basis. Free for up to AED 1 Million. 0.10% for amounts more than AED 1 Million aggregated across all branches and cash deposit centers on a daily basis. Free Free
3rd payment Cheque encashment per instrument Free Free Free Free N/A
Cheque Deposit Free Free Free Free Free

Remittances Basic Account Business Advantage Business Preferred Merchant Account Call Account
Inward Remittances in Local Currency Free Free Free Free Free
Inward Remittances in Foreign Currency Free Free Free AED 15 AED 15
Copy of Inward Remittance swift message AED 10 AED 20 AED 15 AED 10 AED 20
Outward Telex Transfer - Central Bank (UAE) AED 50 AED 25 AED 20 AED 15 AED 30
Outward Telex Transfer - GCC AED 30 AED 25 AED 15 AED 25 AED 35
Outward Telex Transfer - Other countries AED 70 AED 60 AED 45 AED 50 AED 70
Outward Remittance - Cancellation/ Amendments AED 30 AED 40 AED 35 AED 30 AED 40
Raising /Responding inquiries on behalf of customers AED 30 AED 40 AED 35 AED 30 AED 40
Inward /Outward Swift Copy Charges AED 20 AED 25 AED 20 AED 20 AED 25
Initiating a tracer of a payment to be changed to/
Cancellation of Remitance instruction
(funds already remitted)
AED 30 AED 40 AED 35 AED 30 AED 40

Cheque Services Basic Account Business Advantage Business Preferred Merchant Account Call Account
Cheque Book Issuance charges 1st chq Book Free Free Free 1st chq Book Free NA
Additional Cheque Book request AED 1 per leaf Free Free AED 1 per leaf NA
Uncollected Cheque Book AED 15 AED 15 AED 15 AED 10 NA
Cheque Returned Charges AED 300 AED 300 AED 300 AED 300 NA
Stop Cheque (per request) AED 100 AED 60 AED 30 AED 20 NA
Copies of Cheques/letters/other
off- line documents available for last 5 years
AED 40 AED 35 AED 30 AED 35 NA
Collection of Cheques outside UAE AED 100 AED 75 AED 50 AED 50 NA
Post Dated cheques deposit (per Cheque) AED 15 AED 20 AED 15 AED 15 NA
Post Dated cheques Stop Payment (per cheque) AED 75 AED 100 AED 75 AED 75 NA

Standing Instructions Basic Account Business Advantage Business Preferred Merchant Account Call Account
Standing Instructions set up charges AED 50 AED 30 AED 20 AED 25 AED 30
Periodic Payment - Internally Free Free Free Free Free
Periodic Payment - to another bank in UAE AED 30 AED 25 AED 15 AED 15 AED 30
Periodic Payment -to a bank outside UAE AED 70 AED 60 AED 50 AED 50 AED 70
Cancellation of Standing Instructions AED 15 AED 15 AED 15 Free AED 15
Amendment Charges AED 10 AED 15 AED 15 AED 10 AED 15
Failed Standing Instruction AED 10 AED 15 AED 15 AED 10 AED 15
Covering Instruction - set up AED 30 AED 30 AED 30 AED 30 AED 30

Demand Drafts and Cashier's Order Basic Account Business Advantage Business Preferred Merchant Account Call Account
Demand Draft Issuance AED 30 AED 20 AED 15 AED 20 AED 25
Demand Draft Amendments/ Cancellation /stop Payment AED 100 AED 50 AED 30 AED 15 AED 20

Statement Charges Basic Account Business Advantage Business Preferred Merchant Account Call Account
Monthly Statement Free Free Free Free Free
Duplicate Account Statement AED 10 per page max of 200 AED 10 per page max of 200 AED 5 per page max of 200 Free AED 10 per page max of 150

Bank Certificate /Letter Requests Basic Account Business Advantage Business Preferred Merchant Account Call Account
Handling charges for general investigations AED 30 AED 30 AED 30 AED 25 AED 25
Balance confirmation charges AED 100 AED 100 AED 100 AED 100 AED 100
Under formation Letter AED 750 AED 500 AED 250 AED 250 AED 250
A/C Closure Certificate AED 150 AED 150 AED 150 AED 100 AED 100
Liability letter /No liability letter AED 150 AED 150 AED 150 AED 100 AED 100
Audit Confirmation Letter AED 300 AED 250 AED 150 AED 150 AED 150
Other reference letters
(Good standard letter,
account open date,
ref letter showing the signature)
AED 150 AED 150 AED 150 AED 100 AED 100

Debit Card Basic Account Business Advantage Business Preferred Merchant Account Call Account
Debit Card Issuance Free Free Free Free Free
Debit Card Replacement AED 25 AED 25 AED 25 AED 25 AED 25
Daily ATM Cash withdrawal limit AED 50,000 AED 50,000 AED 50,000 AED 50,000 AED 50,000
Daily POS Transaction Limit AED 75,000 AED 75,000 AED 75,000 AED 75,000 AED 75,000
UAE Switch (per Trnx) - Cash Withdrawal on other Bank ATM AED 2 AED 2 AED 2 AED 2 AED 2
GCCNET (per Trnx) - Cash Withdrawal AED 6 AED 6 AED 6 AED 6 AED 6
UAE Switch (per Trnx) - Balance Enquiry on other Bank ATM AED 1 AED 1 AED 1 AED 1 AED 1
Cash Withdrawal outside GCC (per Trnx) AED 20 AED 20 AED 20 AED 20 AED 20
GCCNET (per Trnx) - Balance Enquiry AED 3 AED 3 AED 3 AED 3 AED 3
International Transaction Fee for Purchase:
In AED currency
In non-AED currency
2.5% of the Transaction amount
3.15%* of the Transaction amount
2.5% of the Transaction amount
3.15%* of the Transaction amount
2.5% of the Transaction amount
3.15%* of the Transaction amount
2.5% of the Transaction amount
3.15%* of the Transaction amount
2.5% of the Transaction amount
3.15%* of the Transaction amount
Copy of Sales slip AED 25 AED 25 AED 25 AED 25 AED 25

Particulars Visa Business Platinum Credit Card Visa Business Signature Standard Card
Annual Membership Fee Free AED 500
Card Replacement Fee (Lost/Stolen/Damaged) AED 50 AED 75
Min. monthly payment 5% of the total o/s or AED 100 whichever is higher 5% of the total o/s or AED 100 whichever is higher
Cash Advance limit Upto 70% of the credit limit Upto 70% of the credit limit
Interest on Retail Purchases 3.25% pm 3% pm
Interest on Cash Advance 2.99% pm 3% pm
Overlimit Fee AED 275 AED 275
Late payment fee AED 230 AED 230
Cash Advance Fee 3% or AED 100 whichever is higher 3% or AED 100 whichever is higher
Duplicate statement fee AED 25 AED 25
International Transaction fee Applicable VISA scheme charges 0.49% of transaction value + Applicable VISA scheme charges
Payment due date 25 days from statement date 20 days from statement date
Liability letter fee AED 50 AED 50
Quick cash loan & Fees As per arrangement with Bank As per arrangement with Bank
Early settlement fees for Quick cash AED 100 AED 100

Channel Services: Internet Banking Basic Account Business Advantage Business Preferred Merchant Account Call Account
Monthly Maintenance fee AED 200 AED 150 Free AED 200 AED 200
Token Issuance Fee (Per Token) AED 100 AED 100 AED 100 AED 100 AED 100

*This fee is charged in addition to the standard processing fee charged by MasterCard International and is applicable to transactions performed in any currency other than UAE Dirhams
In line with the UAE's Value Added Tax (VAT) implementation from 1st January 2018, VAT at the rate of 5% will be levied on Fee and Charges specified herein, wherever applicable as per UAE law

Note - In line with the UAE's Value Added Tax (VAT) implementation from 1st January 2018, VAT at the rate of 5% will be levied on Fee and Charges specified herein, wherever applicable as per UAE law



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United Arab Emirates   600 52 2235

International   +971 2 499 6700

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Dubai - BBNewDubai-ClientService@bankfab.com

Abu Dhabi & Al Ain - BBAUH-ClientService@bankfab.com

Dubai, Sharjah & Northern Emirates - BBDubaiandNE-ClientService@bankfab.com

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