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Fees and Charges

List of fees and charges – Business Banking

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 250 AED 500 per month AED 600 per month
Monthly Account Service Fee AED 125 Not applicable Free Free
Standing Orders

Manual Online Manual Online
Setup AED 50 AED 50 AED 100 per set up AED 25 per set up AED 50 per set up AED 25 per set up
Execution AED 15 AED 15 AED 15 per transaction AED 15 per transaction
Failure due to insufficient funds AED 100 AED 50 AED 30 per transaction
AED 30 per transaction
Amendment / Cancelation AED 20 AED 15 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

AED 50 per transaction thereafter

Free up to 10 transactions per month per account

AED 50 per transaction thereafter

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
  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
Audit/Balance Sheet letter/ reference letter AED 250 per item AED 250 per item AED 250 per item AED 250 per item
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
Bank reference letter AED 250 AED 250 AED 250 AED 250
Liability Certificate AED 350 AED 350 AED 350 AED 350
No Liability Certificate AED 300 AED 300 AED 300 AED 300
Audit Confirmation AED 250 AED 250 AED 250 AED 250
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
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 / 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

 


***All fees and charges are applicable for 5% VAT



Trade Finance Charges

 

Import - Letter of Credits Charges
A) LC Opening Commissions:
Sight / Time / Local LCs 1/6% per month (Min. 3 Month) with minimum commission per LC AED 500/- plus handling fee
Revolving LCs Same 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 LCs Same as Sight/Time Local LCs plus AED 500 - scrutiny fee
Standby LCs 1/4% per month (min. 3 months) with min. commission per LC AED 500
B) LC Amendment Commissions:
Amendment commission for increase in LC amount Additional 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 date Additional 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 details AED 300 per additional page
Additional handling fee for LC amendment with excessive details AED 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 settlement Rate as per arrangement
E) LC Acceptance Commission :
LC Acceptance Commission 1/4% 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 only AED 500/- Additional AED 200/- if shipping guarantee remains outstanding beyond one month
For time LCs 1/6% Min. AED 500/- Additional AED 200 /- if shipping guarantee remains outstanding beyond one month
G) TR/ LAD / LCD Handling fees :
TR / LAD / LCD Booking AED 300/- Per transaction
TR / LAD / LCD Per settlement AED 300/- Per settlement
TR / LAD / LCD Extention AED 300/- Plus Additional 2% p.a. Interest for extension period
TR / LAD / LCD Past due Additional 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 Settlement AED 300/- Per settlement
OATR Extension AED 300/- Plus additional 2% p.a. Interest for extension period
OATR Past due Additional 2% p.a. Interest as past due interest
H) LC Related others Charges  
Reimbursement Fee USD 100
Negotiation Commission 1/6% Min. AED 500/-
Free
Exchange Compensation fee for settling LC Documents in Foreign Currency 1/4% Min. AED 500/-
Courier charge - local AED 100/-  
Courier charge - international AED 250/-
SWIFT Charges AED 200/-
Reminder charges AED 100/- per reminder - plus courier/ fax charges (charges merged for Local and International)
Fax Charges AED 100/- (Charges merged for local and international)
Manager's Cheque for agent commission AED 300/-
 Inward documentary bills for collection charges
A) IBC Advising Fee    
Inward documentary bills advising commission AED 300/-
B) IBC Handling Commission:
IBC Payment commission 1/6% Min. AED 500/- plus SWIFT charges
IBC Acceptance commission 1/6% Min. AED 500/- plus SWIFT charges
IBC Documents transferred to another bank 1/6% Min. AED 500/- plus courier charges
IBC Documents returned unpaid / unaccepted 1/6% Min. AED 500/- plus courier charges
IBC Documents released free of payment 1/6% Min. AED 500/-
Avalization of drafts 1/6% per month (Min. 3 months)
with minimum commission AED 500/- plus SWIFT charges
Amendment to Inward bills for collection 1/6% additional commission on increased amount (if any) Min. AED 500/- other amendments AED 500/- flat per amendment.
IBC Documents cleared through TR/ LCD TR/LCD related charges as mentioned under import LCs schedule
C) IBC Related other charges  
Exchange compensation fee for settling IBC in Foreign Currency 1/4% 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 commission 1/8% Min. AED 300/- (To be collected in advance) Plus courier charges
Amendment to outward bills for collection 1/8% on the Increased amount (if any) Min. AED 300/- other amendments AED 200/- Plus courier & SWIFT charges
Handling fee for OBC Documents returned unpaid AED 500/- Plus collecting bank charges (if any)
Advising fee for OBC Acceptance AED 200/-
E) IBC & OBC Related MISC. Charges
Courier charges - Local AED 100/- 
Courier charges - International AED 250/-
SWIFT Charges - Local AED 200/-
(Charges merged for Local & International)
SWIFT Charges - International
Reminder charges - Local AED 100/- per reminder - plus courier / fax charges 
(charged merged for Local and International)
Reminder charges - International 
Fax charges - Local AED 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 customer AED 300/-  
Advising LC Amendment to non customer AED 400/-  
B) EXPORT Processing charges
Expo LC Confirmation Applicable 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 discounting 1/4% Min. AED 500/-
Export documents scrutiny fee for customer  AED 400/- per presentation
Export documents scrutiny fee for non customer AED 500/- per presentation
Payment of other bank's reimbursement claim AED 500/- per reimbursement
E) Transfer of Export LC:
Transfer of LC 1/4% Flat Min. AED 500/- Plus scrutiny Fee AED 500/- Plus SWIFT charges AED 500/-
Transfer of LC Amendment 1/4% 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 LC AED 500/- Plus SWIFT charges
Courier Charges - Local AED 100/-
Courier Charges - International AED 250/-
SWIFT Charges - Local AED 200/- (Charges merged for local & international)
SWIFT Charges - International AED 200/- (Charges merged for local & international)
Reminder Charges - Local AED100/- per reminder - Plus courier / fax charges (Charges merged for local & international)
Reminder Charges - International AED100/- per reminder - Plus courier / fax charges (Charges merged for local & international)
Fax chargers - Local AED 100/- (Charges merged for local & international)
Fax chargers - International AED 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 LGs 3% per anum. (Min. 3 months) with minimum commission per LG AED 500/-
Commission on Issuance of Financial LGs - Fixed maturity 3% per anum. (Min. 3 months) with minimum commission per LG AED 500/-
Commission on Issuance of Financial LGs - Open Ended 3.50% per anum. (Min. 3 months) with minimum commission per LG AED 500/-
Commission on Issuance of LGs against 100% (Not partially) Cash Margin 80% commission as per above mentioned rates with minimum commission per LG AED 500/-
Commission on Issuance of LGs against 100% (Not partially) Cash Collateral 90% 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 amount Additional 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 datet Additional 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 issuance LG Issuance Commission as above plus additional fee AED 500/- plus Swift/ courier charges plus actual correspondent bank charges
Advising other bank guarantees to customers AED 300/-
Advising other bank guarantees to non customers AED 500/-
Additional Handling fee for Manual transactions  1/4% Flat, min 500/-
Handling charges for claims made on behalf of our customers on other banks AED 500/- Plus swift / fax / courier charges
Courier charges - Local AED 100/-
Courier charges -International AED 250/-
SWIFT charges AED 200/- (Charges merged for local & international)
Reminder charges AED 100/- per reminder - plus courier / fax charges (charges merged for local & international)
Fax charges AED 100/- (charges merged for local & international)
Miscellaneous Charges  
Retrieval of Old Records
Less than 3 months AED 20 Per page
Upto 6 months old AED 50 Per page
6 months to 3 years old AED 100 Per page
Over 3 years AED 200 Per page
Bill Discounting / Revolving Loans
Loan against bills discounting (LBD & FBD) 0.250% per item min. AED 300
Replacement, Withdrawal of Bills Discounted AED 300 per item
Extension of Bills Discounted AED 500 per item along with 2% p.a. additional interest rate for the extended period
Returned unpaid - Bills discounted AED 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 loans AED 500 flat per extension along with 2% p.a. additional interest rate for the extended period
Early settlement of all revolving loans AED 300 per settlement


All fees and charges are applicable for 5% VAT

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.