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Commercial Bank of Dubai

Fees & Charges

List of Fees & Charges - Individual Accounts

Current / Savings Accounts
Minimum balance

AED 3,000

USD 1,000

GBP 500

EUR 600
Breach of minimum balance (monthly)

AED 25

USD 7

GBP 5

EUR 5
 AED 200 for negative balance 

 

Daily Cash Deposit Limits via ATMs
DirectAED 10,000
PersonalAED 40,000 
Daily Cash Withdrawal Limits via ATMs
 CBD ATMPOS Non CBD ATM
DirectAED 10,000AED 10,000AED 5,000 per transaction
PersonalAED 10,000AED 20,000AED 5,000 per transaction
Al DanaAED 15,000AED 20,000AED 5,000 per transaction
Time Deposits Accounts
Minimum time deposit amount AED 10,000

 

Cards
Visa Electron card / debit card fees
Supplementary cards AED 25
Replacement / Re-issuance of card AED 25
Transaction charges
Fees for using other bank's ATM AED 2; for Al Dana customers 10 free transactions per month
Balance enquiry AED 1
Fees for using an ATM outside the UAE GCC countries: AED 6 per withdrawal and AED 3 per balance enquiry. Other countries: AED 20 per withdrawal and balance enquiry is free.
Processing fee for foreign currency transaction added to foreign exchange rate 2%
Credit cards / credit card fees
Cash advance transaction fee AED 100 or 3% whichever is higher
Cash advance interest (from date of transaction)3% per month (effective December 9,2016)
3.49% per month(effective June 9, 2017)
Voucher copy AED 25
Primary and Supplementary cards annual feeFree
Lost / StolenAED 100
Late paymentAED 209
Over LimitAED 209
Retail Intereststarting from 2.25%*
2.99% per month(effective June 9, 2017)
Foreign Exchange fee (forex)2%**
Installment Payment Plan
PeriodInterest rateProcessing fees
3 months0%
1%
6 months0%
2%
12 months0%
3%
Exit fee or foreclosure fee
AED 100 
Balance Transfer
PeriodInterest rateProcessing fees
6 months0%1% or AED 100 (whichever is higher)
12 months0%2%
Transfer amount Min. AED 1,000; Max. 95% of Credit Card limit
Cancellation FeeAED 100

* T&Cs apply
** This fee is charged in addition to the standard processing fee charged by MasterCard worldwide or Visa International and is applicable to transactions performed in any currency other than UAE dirhams.

Cash Online top up fees
ChannelFees
Teller (CBD Branches)AED 50
Online BankingAED 10
iBusiness
AED 10
Telex Transfer
AED 50 (Excluding Transfer Charges)
ChequeAED 100
Transactions fees on Cash Online
ServicesFees
General Directorate of Residency & Foreigners Affairs (GDRFA)
AED 10
Emirates Identity Authority (EIDA)AED 2.5
Dubai Smart Government (DSG)
AED 3
E-Service for GDRFA of all other Emirates (except Dubai)
AED 3
E-Fawri for GDRFA of all other Emirates (except Dubai)AED 3
Dubai Ports World AED 5
Emaratech Payment (EMPAY)AED 5
NOQODI (via Direct Debit)AED 20
NOQODI (via Teller)AED 50

 

 

Cheques Collection
Post dated cheques deposited for collection AED 10 per cheque
Postage charges (where applicable) AED 25
Cheque return charges AED 25 plus correspondent charges
Stop payments charges per cheque AED 50 per cheque
Special clearing cheque from other banks
Payment by manager's cheque AED 30
Payment through Central Bank AED 75

 

Standing Orders
Standing Order - set up AED 50
Standing Order transaction charges charges as per MC/DD Swift charges
Non-Execution of S/O due to lack of funds AED 25
Standing Order amendment charges AED 25

 

Teller Services
Cash commission on foreign currency transactions 1% of FCY amount, minimum AED 20
Teller services 6 transactions free per month (other than cash transactions); additional AED 10 per transaction
Cash withdrawal limit (effective from 17-Oct-2017) Personal: more than AED 10,000
Direct: more than AED 10,000
Cash Deposit limit (effective from 17-Oct-2017) Personal: more than AED 40,000
Direct: more than AED 10,000

 

Outward Remittances
Manager's Cheque Issuance AED 30
Stop Payment of Manager's Cheque AED 50
Demand Draft Issuance AED 30
Stop Payment of Demand Draft AED 50
SWIFT / Telex transfer
Gulf countries AED 75 at branch, AED 15 through Online Banking
Other countries AED 80 at branch, AED 20 through Online Banking
TT/SWIFT Cancellation AED 50
TT/SWIFT Recall
AED 100
TT/Fate Inquiry AED 100
UAEFTS Charges as per Central Bank (UAE Funds Transfer System)
Remittance Charges if borne by the remitter and beneficiary (SHA Charge Code) AED 5 at Branch, AED 1 through Online Banking (Free for Al Dana customers) 
Remittance Charges if borne by the beneficiary (BEN Charge Code)
AED 5 at branch, AED 1 through Online Banking (Free for Al Dana customers)
Remittance Charges if borne by the remitter (OUR Charge Code)
AED 6 at branch, AED 2 through Online Banking (Free for Al Dana customers)  

 

Inward Remittances
Inward Payments for Currency Accounts
USD Equivalent to AED 25
EUR Equivalent to AED 25
GBP Equivalent to AED 25
Other Currencies Equivalent to AED 25
UAEFTS Charges as per Central Bank (UAE Funds Transfer System)
Remittance Charges if borne by the remitter and beneficiary (SHA Charge Code) AED 1
Remittance Charges if borne by the beneficiary (BEN Charge Code)
AED 1
Remittance Charges if borne by the remitter (OUR Charge Code)
NIL

 

Personal Loan
Processing fee 1% flat of loan amount ( minimum AED 500 and maximum AED 2,500 )
Interest on loan
As per credit policy for personal loan
Part-payment from own sources
1% of the partial payment amount
Part-payment from other bank
1% of the partial payment amount
Early settlement from own source
1% of remaining balance
Early settlement from other bank
1% of remaining balance or AED10,000 whichever is lower
Life insurance1.25% of loan amount
Postponement request AED 100
Re-scheduling of loan AED 250
Loan cancellation fee AED 100

 

Car Loan
Processing fee 1% flat of loan amount ( minimum AED 500 and maximum AED 2,500 )
Interest on loan
As per credit policy for car loan
Part-payment from own sources
NIL
Part-payment from other bank
NIL
Early settlement from own source
1% of remaining balance
Early settlement from other bank
1% of remaining balance or AED10,000 whichever is lower
Postponement request AED 100
Re-scheduling of loan AED 250
Loan cancellation fee Free

 

Mortgages
Type of ServicesSegment/Parameters Revised Fees & Charges
RevalidationChanges to approval terms inclusive of amendments to offer letterAED 1,000
Property ValuationResidentialAED 3,000 for single residential properties
*additional charges apply for multiple units
Partial paymentApplicable on the pre-paid amount1% of the partial payment amount
Early settlement from the same bank loan/financeLoan/finance closure / full settlement from own source or through sale proceeds1% of the remaining balance
Early settlement from other bank (Buyout)Loan/finance closure / full settlement through other banks / transferring loan/finance1% of the outstanding amount or AED 10,000 whichever is less
Penal Interest/ Penalty and ChargesAdditional Interest/Profit of 2% on the delayed amount for the delayed period. In addition to the penal interest, AED 200 per past-due occurrence
Letter issuance chargesLiability letterAED 100
 Liability letter addressed to Govt. authorities & charitable organizations AED 100
Reissuance of Clearance Letter AED 300
Issuance of NOC to Rent Committee, RERA, Developer & any other Competent Authority AED 300
Others chargesCopy of Repayment ScheduleAED 300
Copy of Offer Letter, mortgage Contracts and Title DeedAED 250 per document,
per instance
Amendments to existing loan/finance structure
(If requested by the borrower)
 AED 3,000
Amendments to Title Deed AED 3,000
Deferment of Installment AED 100
Additional conditions referring to FeesAll fee for Transfer, Assignment, Registration with Developer, Land Dept., Municipality and any standard governmental fees and any other tax or applicable charges to be borne by the applicant on actual basis
Direct Debits Authority Charges - Processing Charges (Paying Bank)
Inward New Request (Setup Confirmation)
Loans, Finances, Credit Cards, Mortgage Loan
AED 25 
OthersAED 5
Inward Amendment Request (Setup Confirmation)
Loans, Finances, Credit Cards, Mortgage Loan
AED 25 
OthersAED 5
Inward Cancellation Request
Loans, Finances, Credit Cards and Others
Free
Mortgage Loan
Free
No Pay due to Insufficient Funds from Account to:
Loans, Finances, Credit Cards and Others
AED 25 
Mortgage Loan
AED 25
No Pay due to Insufficient Funds by Credit Cards:
Others
Free

 

Certificates
Account balance certificate AED 50
Liability certificate AED 100
No liability certificate AED 100
Audit confirmation AED 100
Account closure certificate (release letter) AED 50
Economic department certificate AED 100
Credit enquiry with UAE Banks AED 50

 

Safe deposit locker charges
SizeRent per annum Security Deposit* 
SmallAED 500AED 2,000
MediumAED 750AED 2,500
LargeAED 1,000AED 5,000
X LargeAED 1,500AED 5,000
XX LargeAED 2,000AED 10,000
XXX LargeAED 2,500AED 10,000 
*T&Cs apply

Courier charges
Within same Emirate AED 30
Other Emirates AED 50
Within Gulf countries AED 100
Other countries AED 150
General postage to all countries AED 15

 

Other charges
Monthly statement of account outside the cycle AED 25
Cheque photocopy less than one year AED 10;over one year AED 20
Returned cheques charges due to non-sufficient Funds AED 100
Standard cheque books Free first cheque book on opening account; additional cheque book: AED 1 per leaf + courier charges
Closing accounts AED 100 closing within one year of opening

 

 

Disclaimer

All fees and charges mentioned are subject to change from time to time at the sole discretion of Commercial Bank of Dubai without prior notification. Charges for services not indicated in this List of Fees and Charges are available on request. Additional expenses, e.g. postage, cable, courier, fax, legal fees, etc. will be charged for, where incurred.

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