Fees & Charges

Transparency every step of the way

Business Accounts

Account TypePremiumGoldPlatinum
Minimum monthly average balance requirements at Relationship LevelAED 350,000 or equivalent in foreign currencyAED 1,000,000 (or in equivalent currency)AED 3,000,000 (or in equivalent currency)
Monthly service charge for not maintaining minimum monthly average balance at relationship level AED 500
( Effective from 1st December 2023) 
AED 500 per monthAED 600 per month
Monthly Account Service FeeNot applicableFreeFree
Amendment / Cancelation
Standing Orders

ManualOnlineManualOnlineManualOnlineManualOnline
SetupAED 100
per set up
AED 25
per set up 
AED 100
per set up
AED 25
per set up  
AED 100
per set up  
AED 25
per set up
AED 50
per set up
AED 25
per set up
ExecutionAED 15 per transactionAED 15 per transactionAED 15 per transactionAED 15 per transaction
    
Failure due to insufficient fundsAED 100 per transactionAED 50 per transactionAED 30 per transaction
AED 30 per transaction
    
AED 100
per set up
AED 15
per set up 
AED 100
per set up
 AED 15
per set up 
AED 100
per set up
AED 15
per set up
AED 50
per set up
AED 15
per set up
Remittances Incoming (Below fees are the Bank's Share fee)
InternationalAED 20
USD 10
EURO 10
AED 20
USD 10
EURO 10
AED 45
USD 5
EURO 5
AED 20
USD 5
EURO 5

Note: For inward remittances wherein funds credited to customer account and doesn’t include correspondent bank charges and where charge instruction is marked as ‘OUR’, CBD will debit a fee equivalent to AED while crediting the funds to the customer account.

Remittances Outgoing
 ManualElectronicManualElectronicManualElectronicManualElectronic
Local within UAEAED 75AED 20AED 75AED 20AED 500 AED 15AED 500AED 10
International outside UAEAED 100AED 35AED 100AED 30AED 500 AED 25AED 500AED 20
Within CBD accountsAED 60FreeAED 60FreeAED 250FreeAED 250Free
Recall of Telex TransferAED 100AED 100AED 100AED 100AED 100AED 100AED 100AED 100
Managers Cheques/Demand DraftManualElectronicManualElectronicManualElectronicManualElectronic
Managers Cheques (per cheque)AED 20AED 20AED 20AED 20AED 150 per chequeAED 150 per cheque
Demand Drafts (per cheque)AED 20AED 20AED 20AED 20AED 150 per draftAED 75 per draft
Stopped demand draft/managers chequeAED 50AED 50AED 50AED 50AED 50AED 50AED 50AED 50
Cheques
Cheque Book

1st cheque book free

Additional 50 leaf cheque book for AED 50

1stcheque book free

Additional 50 leaf cheque book for AED 50

1stcheque book free

AED 150 for each additional cheque book (50 cheque leaves)

1stcheque book free

AED 100 for each additional cheque book (50 cheque leaves)

Inward clearing (payments made by you)FreeFreeFreeFree
Special Clearing (inward and outward)AED 205AED 205AED 205 AED 205
Outward clearingFreeFreeFreeFree
Return cheques: inward clearing (payments made by you)AED 500AED 500AED 500AED 350
Post Dated Cheque Collection (PDC)AED 10  per chequeAED 10  per chequeAED 15 per chequeAED 15 per cheque
PDC date extensionAED 25 per chequeAED 25 per chequeAED 25 per chequeAED 15 per cheque
PDC withdrawalAED 25 per chequeAED 25 per chequeAED 25 per chequeAED 15 per cheque
Cash Deposit
Over the counter teller transactions

AED 50 per transaction

AED 50 per transaction

AED 50 per transaction for amount deposited up to AED 500,000

0.05% of the total cash deposited for amounts of AED 500,000 or above

AED 40 per transaction for amount deposited up to AED 500,000

0.05% of the total cash deposited for amounts of AED 500,000 or above 

Cash Deposit through CBD Cash Deposit MachinesFreeFreeFreeFree
Cash Cheque Withdrawal
Over teller counter transactions

AED 40 per transaction

AED 40 per transaction

Free up to 5 transactions per month per account

AED 40 per transaction thereafter

Free up to 10 transactions per month per account

AED 40 per transaction thereafter

CBD ATMFreeFreeFreeFree
Payroll (Rateb Payroll Card)
One time set up cost

AED 500 for companies less than 50 employees

AED 1,500 for companies with more than 50 employees

AED 500 for companies less than 50 employees

AED 1,500 for companies with more than 50 employees

AED 500 for companies less than 50 employees

AED 1,500 for companies with more than 50 employees

AED 500 for companies less than 50 employees

AED 1,500 for companies with more than 50 employees

 ElectronicElectronicManualElectronicManualElectronic
Rateb Payroll Processing WPSAED per card. MOL ID will incur a cahrge of AED 100 monthlyAED 7 per card. MOL ID will incur a charge of AED 100 monthly

 AED 1,000 Per file plus AED 7 Per card

AED 100 Per month per MOL ID 

AED 7 Per card

AED 100 Per month per MOL ID

 AED 1,000 Per file plus AED 6 Per card

AED 100 Per month per MOL ID 

AED 6 Per card

AED 100 Per month per MOL ID

Rateb Payroll statementFreeFreeFreeFreeAED 7 per card. MOL ID will incur a charge of AED 100 monthlyAED 7 per card. MOL ID will incur a charge of AED 75 monthly
WPS transfers to other banksAED 3 per recordAED 3 per recordAED 3 per record
AED 2 per record
Non WPS transfers to other banksAED 50 per bankAED 50 per bankAED 50 per bank
AED 50 per bank
Miscellaneous Charges
Stop payment of chequeAED 100 per chequeAED100 per chequeAED 50 per chequeAED 50 per cheque
Stop payment of lost cheque bookAED 500 per cheque bookAED 500 per cheque bookAED 500 per cheque bookAED 500 per cheque book
Bank statement - Manual issuanceAED 100 per request per monthly statementAED 100 per request per monthly statementAED 100 per request per monthly statementAED 100 per request per monthly statement
Swift Copies of RemittanceAED 100 per messageAED 100 per messageAED 100 per messageAED 100 per message
Retrieval of transaction record

Less than 6 months: AED 50

Greater than 6 months: AED 100

Less than 6 months: AED 50

Greater than 6 months: AED 100

Less than 6 months: AED 50

Greater than 6 months: AED 100

Less than 6 months: AED 50

Greater than 6 months: AED 100

Non - submission of renewed Trade License copy (expired trade license)AED 300 per monthAED 300 per monthAED 300 per monthAED 300 per month
Trade License Update Online – Free  
Manual - AED 150  
 Online – Free  
Manual - AED 150 
 Online – Free  
Manual - AED 150 letter
Online – Free  
Manual - AED 150  
Bank reference letterAED 250AED 250AED 250AED 250
Liability /No Liability Certificate Online - AED 250 per request
Manual - AED 500 per request
Online - AED 250 per request
Manual - AED 500 per request 
Online - AED 250 per request
Manual - AED 500 per request
Online - AED 250 per request
Manual - AED 500 per request
Audit ConfirmationOnline - AED 250 per request
Manual - AED 500 per request
Online - AED 250 per request
Manual - AED 500 per request
Online - AED 250 per request 
Manual - AED 500 per request 
Online - AED 250 per request
Manual - AED 500 per request
Account closure within 12 monthsAED 350AED 350AED 350AED 350
Account closure certificate (release letter)AED 100AED 100AED 100AED 100
Signature Authentication chargeAED 100AED 100AED 100AED 100
Attijari e-Advice (inward and outward remittances)AED FreeAED FreeAED FreeAED Free
iBusiness Online Banking
Enquiry and Full transaction access

Free

Free

Free

Free

Transaction Authorization Hard Token

First 2 tokens free

each additional token AED 75 per tocken

First 2 tokens free

each additional token AED 75 per tocken

First 2 Tokens - Free

Additional Physical Tokens - AED 75 per Token

First 2 Tokens - Free

Additional Physical Tokens - AED 75 per Token

Transaction Authorization Soft Token

First 2 tokens free

Each additional token AED 50 per tocken

First 2 tokens free

Each additional token AED 50 per tocken

First 2 tokens free

Each additional token AED 50 per tocken

First 2 tokens free

Each additional token AED 50 per tocken

Training Support

First site visit free.

AED 250 for subsequent visit for Dubai and Sharjah

AED 400 for all other Emirates

First site visit free.

AED 250 for subsequent visit for Dubai and Sharjah

AED 400 for all other Emirates

First Training free

Additional Training – AED 250 per session

First Training free

Additional Training – AED 250 per session

Business Debit / ATM Card*
Issuance / RenewalFreeFreeFreeFree
Transaction fees at CBD ATMs and CDMsFreeFreeFreeFree
Transaction fee in non-CBD ATMs in UAE

Cash withdrawal AED 2

Balance enquiry AED 1

Cash withdrawal AED 2

Balance enquiry AED 1

Cash withdrawal AED 2

Balance enquiry AED 1

Cash withdrawal AED 2

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

GCC countries: AED 6 per withdrawal and AED 3 per balance enquiry

Other countries: AED 20 per withdrawal and balance enquriy is free

GCC countries: AED 6 per withdrawal and AED 3 per balance enquiry

Other countries: AED 20 per withdrawal and balance enquiry is free

GCC countries: AED 6 per withdrawal and AED 3 per balance enquiry

Other countries: AED 20 per withdrawal and balance enquiry is free

Foreign currency transaction fee2% of transaction value2% of transaction value2% of transaction value2% of transaction value
Early replacement / re-issuance of card or PIN at customer's requestAED 25AED 25AED 25AED 25
Value Added Services
Monthly Integrated online statementsFreeFreeFreeFree
Phone BankingFreeFreeFreeFree
CBD Delivery Channels
SMS Banking

Two months free service from your registration date

From the third month - up to 5 messages free every month and after 5th message will be charged at AED 0.20 per message

Two months free service from your registration date

From the third month - up to 5 messages free every month and after 5th message will be charged at AED 0.20 per message

Two months free service from your registration date

From the third month - up to 5 messages free every month and after 5th message will be charged at AED 0.20 per message

Two months free service from your registration date

From the third month - up to 5 messages free every month and after 5th message will be charged at AED 0.20 per message

*Effective 1st September 2023 Starter package will not be available for new to bank customers
***All fees and charges are applicable for 5% VAT

Trade Finance

Import - Letter of Credits Charges
A) LC Opening Commissions:
Sight / Time / Local LCs1/6% per month (Min. 3 Month) with minimum commission per LC AED 500/- plus handling fee
Revolving LCsSame as sight / Time/Local LCs Min. AED 500/- Plus Scrutiny Fee AED 500/- Plus 1/4% flat commission on Each Revolved Amount with minimum commission pre revolve AED 500/- Plus handling fee
Back to Back LCsSame as Sight/Time Local LCs plus AED 500 - scrutiny fee
Standby LCs1/4% per month (min. 3 months) with min. commission per LC AED 500
B) LC Amendment Commissions:
Amendment commission for increase in LC amountAdditional commission charged on increased amount same as LC opening commission with min. commission per amendment AED 500 plus handling fee

Amendment commission for extension in expiry dateAdditional commission charged for extended period same as LC opening commission with minimum commission per amendment AED 500 plus handling fee
Other amendments (Changes in LC Terms & Conditions, clauses etc.)AED 500 plus handling fee
C) LC Handling Fees:
Handling fee for LC opening services (including Swift/Courier etc.)AED 500/-
Handling fee for LC amendment services (Including Swift/Courier etc.)AED 500/-
Handling fee for LC cancellation services (Before expiry)AED 500/-
Additional handling fee for Manual transactions 1/4% Flat, min 500/-
Additional handling fee for LCs with excessive detailsAED 300 per additional page
Additional handling fee for LC amendment with excessive detailsAED 300 per additional page
D) LC Administration Fees / Commission:
LC Expiration Commission (when documents negotiated after LC expiry date)Additional commission charged for expired period same as LC opening commission with min. commission AED 500 plus handling fee
LC overdrawing commission (when documents negotiated in excess of LC value)Additional commission charged for over drawn amount same as LC opening commission with min. commission AED 500 plus handling fee
LC Discrepancy Fee (Per Presentation)USD 100/- Plus SWIFT Charges
Return of Discrepant Documents Unpaid / Unaccepted USD 100/- Plus Courier / SWIFT Charges
Documents (Discrepant / Clean) safe custody fees (Held unpaid / uncleared after one month of presentation to customer)AED 500/- Per month
Interest recovered from the date of negotiation of documents abroad to the date of settlementRate as per arrangement
E) LC Acceptance Commission :
LC Acceptance Commission1/4% per month (Acceptance commission will be charged for the full usance period without consideration to the due date of the bill following with LC expiry or after) Minimum AED 500
F) Shipping Guarantees :
For sight LCs against Full Cash Margin onlyAED 500/- Additional AED 200/- if shipping guarantee remains outstanding beyond one month
For time LCs1/6% Min. AED 500/- Additional AED 200 /- if shipping guarantee remains outstanding beyond one month
G) TR/ LAD / LCD Handling fees :
TR / LAD / LCD BookingAED 300/- Per transaction
TR / LAD / LCD Per settlementAED 300/- Per settlement
TR / LAD / LCD ExtentionAED 300/- Plus Additional 2% p.a. Interest for extension period
TR / LAD / LCD Past dueAdditional 2% p.a. Interest as past due interest
H) Open A/C TR (OATR) Handling Fees:
OATR Booking 0.250% flat min AED 500/- per transaction
OATR Pre SettlementAED 300/- Per settlement
OATR ExtensionAED 300/- Plus additional 2% p.a. Interest for extension period
OATR Past dueAdditional 2% p.a. Interest as past due interest
H) LC Related others Charges 
Reimbursement FeeUSD 100
Negotiation Commission1/6% Min. AED 500/-
Free
Exchange Compensation fee for settling LC Documents in Foreign Currency1/4% Min. AED 500/-
Courier charge - localAED 100/-  
Courier charge - internationalAED 250/-
SWIFT ChargesAED 200/-
Reminder chargesAED 100/- per reminder - plus courier/ fax charges (charges merged for Local and International)
Fax ChargesAED 100/- (Charges merged for local and international)
Manager's Cheque for agent commissionAED 300/-
 Inward documentary bills for collection charges
A) IBC Advising Fee  
Inward documentary bills advising commissionAED 300/-
B) IBC Handling Commission:
IBC Payment commission 1/6% Min. AED 500/- plus SWIFT charges
IBC Acceptance commission1/6% Min. AED 500/- plus SWIFT charges
IBC Documents transferred to another bank1/6% Min. AED 500/- plus courier charges
IBC Documents returned unpaid / unaccepted1/6% Min. AED 500/- plus courier charges
IBC Documents released free of payment1/6% Min. AED 500/-
Avalization of drafts1/6% per month (Min. 3 months)
with minimum commission AED 500/- plus SWIFT charges
Amendment to Inward bills for collection1/6% additional commission on increased amount (if any) Min. AED 500/- other amendments AED 500/- flat per amendment.
IBC Documents cleared through TR/ LCDTR/LCD related charges as mentioned under import LCs schedule
C) IBC Related other charges 
Exchange compensation fee for settling IBC in Foreign Currency1/4% min. AED 500/-
IBC Documents safe custody fees (Held unpaid after one month of receipt / Accepted / Due date)AED 500/- per month
Outward Documentary Bills for collection charges
D) OBC - Fees & Commissions:  
Outward documentary bills handling commission1/8% Min. AED 300/- (To be collected in advance) Plus courier charges
Amendment to outward bills for collection1/8% on the Increased amount (if any) Min. AED 300/- other amendments AED 200/- Plus courier & SWIFT charges
Handling fee for OBC Documents returned unpaidAED 500/- Plus collecting bank charges (if any)
Advising fee for OBC AcceptanceAED 200/-
E) IBC & OBC Related MISC. Charges
Courier charges - LocalAED 100/- 
Courier charges - InternationalAED 250/-
SWIFT Charges - LocalAED 200/-
(Charges merged for Local & International)
SWIFT Charges - International
Reminder charges - LocalAED 100/- per reminder - plus courier / fax charges 
(charged merged for Local and International)
Reminder charges - International 
Fax charges - LocalAED 100/-
(Charges merged for Local and International)
Fax charges - International
Export- Letter of Credit Charges 
A) EXPORT LC Advising Fee:
Advising of LC to customer AED 400/- 
Advising of LC to non customer AED 500/- 
Advising LC Amendment to customerAED 300/- 
Advising LC Amendment to non customerAED 400/- 
B) EXPORT Processing charges
Expo LC ConfirmationApplicable commission as per arrangement with customer in consideration of Bank / Country risk withrt LC confirmation minimum commission AED 500/-
Export documents negotiation / Handling commission 1/4% Min. AED 500/-
Export bill discounting1/4% Min. AED 500/-
Export documents scrutiny fee for customer AED 400/- per presentation
Export documents scrutiny fee for non customerAED 500/- per presentation
Payment of other bank's reimbursement claimAED 500/- per reimbursement
E) Transfer of Export LC:
Transfer of LC1/4% Flat Min. AED 500/- Plus scrutiny Fee AED 500/- Plus SWIFT charges AED 500/-
Transfer of LC Amendment1/4% on Increase amount (if any) Min. AED 500/- Other amendment AED 500/- Flat per amendment plus SWIFT charges AED 300/-
D) Other Charges:
Assignment of proceeds under export LCAED 500/- Plus SWIFT charges
Courier Charges - LocalAED 100/-
Courier Charges - InternationalAED 250/-
SWIFT Charges - LocalAED 200/- (Charges merged for local & international)
SWIFT Charges - InternationalAED 200/- (Charges merged for local & international)
Reminder Charges - LocalAED100/- per reminder - Plus courier / fax charges (Charges merged for local & international)
Reminder Charges - InternationalAED100/- per reminder - Plus courier / fax charges (Charges merged for local & international)
Fax chargers - LocalAED 100/- (Charges merged for local & international)
Fax chargers - InternationalAED 100/- (Charges merged for local & international)
Letter of Guarantee Charges 
A) LG Issuance Commissions:
Commission on issuance of Contract Finance Guarantees (Bid Bonds, Performance Bonds, Advance Payment, Retention )2.5% per anum. (Min. 3 months) with minimum commission per LG AED 500/-
Commission on issuance of Open Ended LGs3% per anum. (Min. 3 months) with minimum commission per LG AED 500/-
Commission on Issuance of Financial LGs - Fixed maturity3% per anum. (Min. 3 months) with minimum commission per LG AED 500/-
Commission on Issuance of Financial LGs - Open Ended3.50% per anum. (Min. 3 months) with minimum commission per LG AED 500/-
Commission on Issuance of LGs against 100% (Not partially) Cash Margin80% commission as per above mentioned rates with minimum commission per LG AED 500/-
Commission on Issuance of LGs against 100% (Not partially) Cash Collateral90% commission as per above mentioned rates with minimum commission per LG AED 500/-
Commission on Issuance of LGs (Other Guarantees not mentioned above including Labour Guarantee)3% Per anum. (Min., 3 months) with minimum commission per LG AED 500/-
 Note: Above commission fees are applicable only for online submission of Letter of Guarantees forms through CBD iBusiness Online Banking. In case of manual submissions forms for any type of Letter of Guarantees through CBD Branches, the Bank will charge additional 1.50% over and above mentioned LGs commission fees.
B) LG Amendment Commission:
Amendment commission for increse in LG amountAdditional commission charged on increased amount same as LG opening commission with minimum commission per amendment AED 500/- Plus Fax / SWIFT/ Courier charges
Amendment commission for extension in expiry datetAdditional commission charged on extended period same as LG opening commission with minimum commission per amendment AED 500/- Plus Fax / SWIFT/ Courier charges
Other amendments (Changes in LG Terms & Conditions, clauses etc. )AED 500/- Per amendment plus Fax / SWIFT/ Courier charges
C) LG Related others Charges
For international issuanceLG Issuance Commission as above plus additional fee AED 500/- plus Swift/ courier charges plus actual correspondent bank charges
Advising other bank guarantees to customersAED 300/-
Advising other bank guarantees to non customersAED 500/-
Additional Handling fee for Manual transactions 1/4% Flat, min 500/-
Handling charges for claims made on behalf of our customers on other banksAED 500/- Plus swift / fax / courier charges
Courier charges - LocalAED 100/-
Courier charges -InternationalAED 250/-
SWIFT chargesAED 200/- (Charges merged for local & international)
Reminder chargesAED 100/- per reminder - plus courier / fax charges (charges merged for local & international)
Fax chargesAED 100/- (charges merged for local & international)
Miscellaneous Charges 
Retrieval of Old Records
Less than 3 monthsAED 20 Per page
Upto 6 months oldAED 50 Per page
6 months to 3 years oldAED 100 Per page
Over 3 yearsAED 200 Per page
Bill Discounting / Revolving Loans
Loan against bills discounting (LBD & FBD)0.250% per item min. AED 300
Replacement, Withdrawal of Bills DiscountedAED 300 per item
Extension of Bills DiscountedAED 500 per item along with 2% p.a. additional interest rate for the extended period
Returned unpaid - Bills discountedAED 300 per item
Loan against invoice - pre sales (for payments to suppliers)0.250% flat per item min. AED 300
All other revolving loans (LPP, LPO, LAI, Post Sales etc.)0.250% flat per item min. AED 300
Extension of all revolving loansAED 500 flat per extension along with 2% p.a. additional interest rate for the extended period
Early settlement of all revolving loansAED 300 per settlement

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