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Introducing Starter - our Zero balance account in the UAE for all startups and entrepreneurs.

Starter account offers reliable and rewarding banking products and services, well suited to our talented entrepreneurs, with a flat monthly service fee.


  • ZERO balance requirements
  • Complimentary Business Debit Card with higher daily cash withdrawal limits.
  • Suitable account package for new business starters / newly established businesses
  • Standard fee for banking transactions and digital platforms
  • Standard forex rates
  • Standard Trade Finance rates
  • Dedicated relationship managers
  • Dedicated SME Service Desks

Applicable for all type of newly established companies and start-ups in UAE

List of charges Requirements / Charges
Account Currency AED, USD, GBP, EURO, JPY, CNY
Minimum monthly average balance AED 0
Non-maintenance of Minimum Relationship Balance Charges  AED 0
Monthly Account Maintenance FeeAED 250
Standing Instructions  
Set up fee AED50
Execution Charge AED15 Per Transaction
Failure due to insufficient funds AED100 Per Transaction
Amendment/ CancellationAED20 per set up
Remittances Incoming 
Local within UAE AED1 
International RemittanceAED 20  /  USD 10  / EUR10
Remittances Outgoing
 Manual Electronic
Local Remittances - per transaction AED 75 AED 20
International Remittances - per transaction AED100AED 35
Transfer within Own Account AED 60
Recall of Telex Transfer
Managers Cheques/Demand Draft
  Manual Electronic
Managers Cheques - per cheque AED20  AED20
Demand Drafts - per cheque AED20  AED20
 Stopped demand draft/managers cheque AED50 AED50
Cheque Book 1st cheque book free

Additional 50 leaf cheque book AED50 
Inward clearing (payments made by clients) Free
Special clearing (inward and outward) AED205
Outward clearing Free
Return cheques: Inward clearing (payments made by clients) AED500
Post dated cheque (PDC) collection AED10 per cheque
PDC date extension AED25 per cheque
PDC withdrawal AED25 per cheque
Cash Deposit
Over the counter - Teller transactions
AED 50 per transaction
Through Cash deposit machine Free
Cash Cheque Withdrawal
Over the counter - Teller transactions AED40 per transaction
Payroll (Rateb Payroll Card)
One time set up cost  AED500 for companies less than 50 employees  AED1,500 for companies with more than 50 employees
Rateb Payroll Processing WPS
AED 7 per card. MOL ID will incur a charge of AED 100 monthly
Rateb Payroll statement Free
WPS transfers to other banks AED3 per record
Non WPS transfers to other banks AED50 per bank
Miscellaneous Charges
Stop payment of cheque AED100 per cheque
Stop payment of lost cheque book AED500 per cheque book
Bank statement - Manual issuance AED100 per request per monthly statement
Audit/Balance Sheet letter/ reference letter AED250 per item
Swift Copies of Remittance AED100 per message
Retrieval of transaction record 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 month
Bank reference letter AED250
Liability Certificate AED350
No Liability Certificate AED300
Audit Confirmation AED250
Account closure within 12 months AED350
Account closure certificate (release letter) AED100
Signature Authentication charge AED100
Attijari e-Advice (inward and outward remittances) AED Free
iBusiness Online Banking
Enquiry and Full transaction access Free
Transaction Authorization Hard Token First 2 Tokens - Free
Each additional token AED 75 per token
Transaction Authorization Soft Token First 2 tokens free
Each additional token AED 50 per token
Training Support First site visit free
AED 250 for subsequent visit for Dubai and Sharjah
AED 400 for all other Emirates
Business Debit / ATM Card*
Issuance / Renewal Free
Transaction fees at CBD ATMs and CDMs Free
Transaction fee in non-CBD ATMs in UAE Cash withdrawal AED2
Balance enquiry AED1
Fees for using an ATM outside the UAE GCC countries: AED6 per withdrawal and AED 3 per balance enquiry
Other countries: AED20 per withdrawal and balance enquiry is free
Foreign currency transaction fee 2% of transaction value
Early replacement / re-issuance of card or PIN at customer's request AED25
Value Added Services
Monthly Integrated online statements Free
Phone Banking  Free
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

* Additional teller transactions will be charged once monthly quota limits are exceeded
** All fees and charges are applicable for 5% VAT


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.
  • National ID or valid passport with UAE residence visa and Emirates ID of all signing authorities and shareholders, if applicable
  • Valid legal and constitutive documents (i.e. Trade License, Certificate of Commercial Registration, Free Zone Certificate of Incorporation, Memorandum of Association, Partnership Agreement) as applicable
  • Power of Attorney or Board Resolution, if applicable
  • Proof of Address
  • Details of Ultimate Beneficial Owners
  • Bank Reference Letter and Company Profile, if applicable
  • No requirement for audited financial statements

Visit us

You are more than welcome to visit us. Find out your nearest branch.

Call us

Within UAE: 04 211 2818

Outside UAE: +971 4 211 2818