Business Accounts
| Account Type | Starter | Premium | Gold | Platinum |
|---|---|---|---|---|
| Minimum monthly average balance requirements at Relationship Level | Not applicable | AED 350,000 or equivalent in foreign currency | AED 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 | Not applicable | AED 500 ( Effective from 1st December 2023) | AED 500 per month | AED 600 per month |
| Monthly Account Service Fee | AED 2,500 ( Effective from1st December 2023) | Not applicable | Free | Free |
| Standing Orders | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Manual | Online | Manual | Online | Manual | Online | Manual | Online | ||
| Setup | AED 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 | |
| Execution | AED 15 per transaction | AED 15 per transaction | AED 15 per transaction | AED 15 per transaction | |||||
| Failure due to insufficient funds | AED 100 per transaction | AED 50 per transaction | AED 30 per transaction | AED 30 per transaction | |||||
| Amendment / Cancelation | 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) | ||||
|---|---|---|---|---|
| International | AED 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 | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Manual | Electronic | Manual | Electronic | Manual | Electronic | Manual | Electronic | ||
| Local within UAE | AED 75 | AED 20 | AED 75 | AED 20 | AED 500 | AED 15 | AED 500 | AED 10 | |
| International outside UAE | AED 100 | AED 35 | AED 100 | AED 30 | AED 500 | AED 25 | AED 500 | AED 20 | |
| Within CBD accounts | AED 60 | Free | AED 60 | Free | AED 250 | Free | AED 250 | Free | |
| Recall of Telex Transfer | AED 100 | AED 100 | AED 100 | AED 100 | AED 100 | AED 100 | AED 100 | AED 100 | |
| Managers Cheques/Demand Draft | Manual | Electronic | Manual | Electronic | Manual | Electronic | Manual | Electronic | |
|---|---|---|---|---|---|---|---|---|---|
| Managers Cheques (per cheque) | AED 20 | AED 20 | AED 20 | AED 20 | AED 150 per cheque | AED 150 per cheque | |||
| Demand Drafts (per cheque) | AED 20 | AED 20 | AED 20 | AED 20 | AED 150 per draft | AED 75 per draft | |||
| Stopped demand draft/managers cheque | AED 50 | AED 50 | AED 50 | AED 50 | AED 50 | AED 50 | AED 50 | AED 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) | Free | Free | Free | Free | |||||
| Special Clearing (inward and outward) | AED 205 | AED 205 | AED 205 | AED 205 | |||||
| Outward clearing | Free | Free | Free | Free | |||||
| Return cheques: inward clearing (payments made by you) | AED 500 | AED 500 | AED 500 | AED 350 | |||||
| Post Dated Cheque Collection (PDC) | AED 10 per cheque | AED 10 per cheque | AED 15 per cheque | AED 15 per cheque | |||||
| PDC date extension | AED 25 per cheque | AED 25 per cheque | AED 25 per cheque | AED 15 per cheque | |||||
| PDC withdrawal | AED 25 per cheque | AED 25 per cheque | AED 25 per cheque | AED 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 Machines | Free | Free | Free | Free | |||||
| Cash Cheque Withdrawal | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Over teller counter transactions | AED 40 per transaction | AED 40 per transaction | Free up to 5 transactions per month per account | Free up to 10 transactions per month per account | |||||
| CBD ATM | Free | Free | Free | Free | |||||
| 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 | |||||
| Payroll Processing | Electronic | Electronic | Manual | Electronic | Manual | Electronic | |||
|---|---|---|---|---|---|---|---|---|---|
| Rateb Payroll Processing WPS | AED per card. MOL ID will incur a cahrge of AED 100 monthly | AED 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 statement | Free | Free | Free | Free | AED 7 per card. MOL ID will incur a charge of AED 100 monthly | AED 7 per card. MOL ID will incur a charge of AED 75 monthly | |||
| WPS transfers to other banks | AED 3 per record | AED 3 per record | AED 3 per record | AED 2 per record | |||||
| Non WPS transfers to other banks | AED 50 per bank | AED 50 per bank | AED 50 per bank | AED 50 per bank | |||||
| Miscellaneous Charges | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Stop payment of cheque | AED 100 per cheque | AED100 per cheque | AED 50 per cheque | AED 50 per cheque | |||||
| Stop payment of lost cheque book | AED 500 per cheque book | AED 500 per cheque book | AED 500 per cheque book | AED 500 per cheque book | |||||
| Bank statement - Manual issuance | AED 100 per request per monthly statement | AED 100 per request per monthly statement | AED 100 per request per monthly statement | AED 100 per request per monthly statement | |||||
| Swift Copies of Remittance | AED 100 per message | AED 100 per message | AED 100 per message | AED 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 month | AED 300 per month | AED 300 per month | AED 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 letter | AED 250 | AED 250 | AED 250 | AED 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 Confirmation | 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 | |||||
| Account closure within 12 months | AED 350 | AED 350 | AED 350 | AED 350 | |||||
| Account closure certificate (release letter) | AED 100 | AED 100 | AED 100 | AED 100 | |||||
| Signature Authentication charge | AED 100 | AED 100 | AED 100 | AED 100 | |||||
| Attijari e-Advice (inward and outward remittances) | AED Free | AED Free | AED Free | AED Free | |||||
| Business Debit / ATM Card* | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Issuance / Renewal | Free | Free | Free | Free | |||||
| Transaction fees at CBD ATMs and CDMs | Free | Free | Free | Free | |||||
| 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 fee | 2% of transaction value | 2% of transaction value | 2% of transaction value | 2% of transaction value | |||||
| Early replacement / re-issuance of card or PIN at customer's request | AED 25 | AED 25 | AED 25 | AED 25 | |||||
| Value Added Services | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Monthly Integrated online statements | Free | Free | Free | Free | |||||
| Phone Banking | Free | Free | Free | 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 | 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
* Above charges are Commercial Bank of Dubai charges only, other banks may deduct their charges from the remittance amount
** Plus applicable cash processing charges
*** Cheque Stationery will be at actual cost
**** All our charges, commissions and fees are exclusive of Value Added Tax (VAT). VAT will be charged wherever applicable.
***** SCDMs with higher capacities can be provided upon request.
Trade Finance
| Import - Letter of Credits Charges | ||||
|---|---|---|---|---|
| LC issuance | ||||
| LC Issuance Commission - Sight / Time / Local LCs | 0.20% per month (min.3 months) Min.AED 750 + Handling Fee + Swfit Charges + Courier charges (if applicable) | |||
| Revolving LCs | 0.20% per month (min.3 months) Min.AED 750 + Handling Fee + Swfit Charges + Courier charges (if applicable) | |||
| Standby LCs | 0.20% per month (min.3 months) Min.AED 750 + Handling Fee + Swfit Charges + Courier charges (if applicable) | |||
| Special LCs (B2B/Revolving/etc) | Case by case pricing with a minimum as applicable for LC issuance commission. Plus AED 500 + scrutiny fee | |||
| Other amendments (non-financial) | AED 500 + Handling Fee + Swfit charges + Courier charges (if applicable) | |||
| Handling Fee (issuance/amendment) | AED 500 | |||
| Handling fee for manual transactions | 0.125% flat Min. AED 500 | |||
| Cancellation of Unutilised LC (Full LC Value) | AED 500 + Swift Charges | |||
| Trade Advisory/Structuring Fee | Case by Case basis subject to agreement | |||
| Miscellaneous - Providing Draft LCs | AED 500 | |||
| ||||
| Documents Under Import LC | ||||
| LC acceptance commission | 0.25% per month for the full usance period Min: AED 500 | |||
| LC Expiration/Overdrawing Commission | 0.25% on overdrawn amount or expired period Min. AED 750 + Handling Fee | |||
| LC discrepancy fee (per presentation) | AED 400 + swift charges as applicable | |||
| Return of discrepant documents (unpaid/unaccepted) | AED 750 + SWIFT charges + Courier charges (Local/International) | |||
| Inward Documentary Bills for Collection | |||||
| Advising Fee | AED 300 | ||||
| IBC Handling/Acceptance/ Payment Commission | 0.166% Min: AED 300 + Swift charges | ||||
| Amendment Fee - Increase in Value/terms of payment | 0.166% on increased amount/tenor (if any) + Swift charges | ||||
| Other amendments | AED 500 per amendment + Swift charges | ||||
| IBC documents transferred to another bank | 0.25% flat of bill value Min. AED 300 + Swift charges + Courier charges (Local/International) | ||||
| IBC documents returned unpaid / unaccepted | 0.25% flat of bill value Min. AED 300 + Swift charges + Courier charges (Local/International) | ||||
| IBC documents released free of payment | 0.25% flat of bill value Min. AED 300 + Swift charges + Courier charges (Local/International) | ||||
| Avalization of drafts | 0.125% per month (min. 3 months) Min: AED 750 + Swift charges | ||||
| Imports Loan Handling Charges (TR/LAD/LCD/OATR) | ||||
| (OATR) Open Account TR Payment Commission | 0.125% + Swift Charges Min. AED 500 AED + Swift charges | |||
| Loan Booking Fee | AED 500 | |||
| Loan Pre-settlement | AED 500 per transaction | |||
| Loan Extension | AED 500 plus additional 2% p.a. interest for extension period | |||
| Loan Past due | AED 2000 for each past due + 2% p.a. additional interest for the past due period | |||
| Export - Letter of Credits Charges | ||||
| LC Advising fee | To Customer: AED 400 To Non Customer: AED 500 | |||
| Amendment Advising Fee | To Customer: AED 300 To Non Customer: AED 400 | |||
| Export LC Confirmation | Applicable commission as per arrangement with customer in consideration of Bank/Country risk with Min. commission AED 750 | |||
| Transfer of LC | 0.25% flat on transferred amount Min AED 1000 + Scrutiny Fee + SWIFT Charges | |||
| Transfer of LC Amendment | 0.25% on increased amount (if any) Min AED 500 + SWIFT Charges | |||
| Assignment of Proceeds under Export LC | 0.125% flat Min AED 750 + Swift Charges | |||
| Documents Under Export LC | ||||
| Negotation/Discounting handling Commission - for LC and Collection bills | 0.166% of bill value in addition to Bank risk commission as applicable Min. AED 500 | |||
| Export documents scrutiny fee | Customers:AED 400 per presentation Non-customers: AED 500 per presentation | |||
| Handling commission on documents forwarded to nominated banks for negotiation | AED 750 | |||
| Payment of other Bank's reimbursement claim | AED 500 | |||
| Discounting of LC Bills | Agreed interest rate + discounting handling commission if not recovered earlier | |||
| Outward Documentary Bills for Collection | ||||
| Handling/Amendment Commission of Outward Documentary Bills for Collection | 0.125% flat of bill value Min. AED 500 + Courier Charges | |||
| Handling Fee for Documents Returned Unpaid | AED 500 | |||
| Advising fee for OBC acceptance | AED 300 | |||
| OBC Bills Discounting | Agreed interest rate + AED 500 flat fee | |||
| Letter of Guarantee | ||||
|---|---|---|---|---|
| Issuance Commission - Non Financial LGs | Fixed Maturity: 2.5% per annum (min 3 months) Open Ended: 3.0% per annum (min 3 months) Min. AED 750 + Swift charges (if applicable) | |||
| Issuance Commission - Financial LGs | Fixed Maturity: 3.0% (min. 3 months) Open Ended: 3.5% (min. 3 months) Min. AED 750 + Swift charges (if applicable) | |||
| Handling fee for manual transactions | 0.125% flat Min. AED 500 | |||
| Amendment on Value and Expiry | As per Issuance Commission for Financial and Non-Financial Guarantees + swift + courier+ AED 250 per amdmt | |||
| Other amendments | AED 500 per amendment + Swift and/or Courier Charges as applicable | |||
| Guarantee Draft Copy | AED 750 per draft | |||
| Advising other Bank Guarantees | Customers: AED 300 Non-Customers: AED 500 | |||
| Claims Handling Charges - and lodging of claims with other banks | AED 1000 plus Swift/Fax/Courier charges | |||
| F. Shipping Guarantees | ||||
| Issuance Comission | AED 1000 | |||
| Redeemed after one month of issuance | AED 200/- if shipping guarantee remains outstanding beyond one month | |||
| Cheque and/or related Bill Discounting / Revolving Loans - Handling Commissions | ||||
| Loan against Bills (LBD &FBD) Handling Commission | 0.125% flat on invoice/cheque value min AED 500 | |||
| Replacement, Withdrawal of Bills Discounted | AED 500 per item | |||
| Extension of Cheque Discounting | AED 500 + 2% p.a interest rate for the extended period | |||
| Loan Against Invoice – Pre Sales (for payments to suppliers) | 0.125% on bill value. Min AED 500 | |||
All other Revolving Loans (LPP, LPO, LAI Post Sales etc.) | 0.125% flat per item min. AED 500 | |||
| Extension of all revolving loans | AED 500 per extension along with 2% p.a. additional interest for the extended period | |||
| Early Settlement Charges for all revolving loans (LPP, LPO, LAI, LGL) | AED 500 or 20% of unaccrued interest of remaining days from settlement date, whichever is higher | |||
| Past Due of Revolving Loans (LPP, LPO, LAI, LGL ) | 2% p.a. additional interest for the past due period | |||
| H. Other Charges | ||||
|---|---|---|---|---|
| Reimbursement fee | AED 500 | |||
| Exchange compensation fee for documents in foreign currency. Imports - settling bills in FC | 0.25%. Min AED 300 | |||
| Courier charges | Local: AED 100 International: AED 250 | |||
SWIFT charges | AED 200 | |||
| Reminder charges | AED 100 per reminder - plus Courier (local AED 100; International - 250) or Swift (AED 150) as applicable | |||
| Postage Charges | AED 150 | |||
Retrieval of Old Records Within 1 year Over 1 Year | AED 100 per document within 1 year AED 500 per document beyond one year | |||
PSP Tariff
| Cash Online Top-up Charges | |
|---|---|
| Channel | Fees |
| Online Wallet Top-Up (via CBD Online Banking and I-Business) | AED 25 |
| Amwal Wallet Top-Up Charges | |
|---|---|
| Channel | Fees |
| Teller (CBD Branches & PSPD Locations) | AED 100 |
| Telex Transfer | AED 50 (excluding applicable transfer charges) |
| Cheque Deposit Machine (CDM) | AED 50 |
| Automated Teller Machine (ATM) | AED 50 |
| Noqodi Wallet Top-Up Charges | |
| Channel | Fees |
| Noqodi (via eDebit) | AED 10 |
| Noqodi (via CBD Branches) | AED 50 |
| Automated Teller Machine (ATM) | AED 30 |
| Transaction Fees | |
|---|---|
| Services | Fees |
| EIDA - Emirates Identity Authority | AED 2.50 |
| DSG - Dubai Smart Government | Free |
| DP World - Dubai Port World | AED 5 |
| EMPAY - Emaratech Payment | AED 6 |
*All our charges, commissions and fees are exclusive of Value Added Tax (VAT). VAT will be charged wherever applicable.
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