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Commercial Bank of Dubai

Fees & Charges

Fees, Charges, Transaction Limits and Minimum Balances - Personal Banking

Current / Savings Accounts
Minimum balance Breach of minimum balance (monthly)
AED 5,000 AED 26.25
USD 1,500 USD 7.35 
GBP 1000 GBP 5.25 
EUR 1000 EUR 5.25
  AED 200(or equivalent) for negative balance 
Account closure fee AED 105

  • Standard exclusions apply
  • T& C Apply

 

Daily Cash Deposit Limits via ATMs
Direct AED 10,000
Personal AED 40,000 
Daily Cash Withdrawal Limits  ATMs / Daily Purchase Limits for Debit Cards
  CBD ATM Non CBD ATM Debit Card Purchase
Direct AED 10,000 AED 5,000 per transaction AED 10,000
Personal AED 10,000 AED 5,000 per transaction AED 20,000
CBD ELITE AED 30,000 AED 5,000 per transaction AED 50,000
CBD PrivateAED 50,000AED 5,000 per transactionAED 100,000
Time Deposits Accounts
Minimum time deposit amount AED 10,000
Pre-mature closure of Time Deposits# 1% penal interest

 

Cards
Debit Card
Card Issuance Fee Not Applicable
Card Replacement Fee AED 26.25*
Copy of sales slip AED 26.25
Foreign Currency Fee 2% ** (VAT applicable)
ATM Transaction fees (for Debit Cards only)
 For Balance Enquiry through Customer Segments
   Personal Banking  Elite Banking Private Banking 
 CBD ATM's Not Applicable Not Applicable Not Applicable
 Other Bank’s ATM within UAE#  AED 1.05 
 Not Applicable  Not Applicable
 Other Bank’s ATM outside UAE & within GCC# AED 3.15
 Not Applicable Not Applicable
International (ATM’s outside UAE & GCC)#Not Applicable Not Applicable Not Applicable
For Cash Withdrawal throughCustomer Segments 
 Personal BankingElite Banking Private Banking
CBD ATM'sNot ApplicableNot ApplicableNot Applicable
Other Bank’s ATM within UAE#AED 2
(VAT Inclusive)
Free up to 10 withdrawals per month ***Not Applicable
Other Bank’s ATM outside UAE & within GCC#AED 6
(VAT Inclusive)
1 Free withdrawal per month (either GCC or International)****2 Free withdrawal per month (either GCC or International)*****
International (ATM’s outside UAE & GCC)#AED 20
(VAT Inclusive)
 

* Debit Card Replacement Fee is not applicable for CBD Elite & CBD Private Banking Customers

**  This fee is charged in addition to the standard processing fee charged by Mastercard & Visa for transaction done in AED or in foreign currencies at merchant establishments (including physical and e-commerce merchants) that are domiciled outside the UAE

*** Cash withdrawal fee of AED 2 shall be applicable from 11th transaction onwards

**** Elite Banking customer’s get 1 Free cash withdrawal transaction every month, could be from GCC or any International ATM’s. Cash withdrawal fee of AED 6 & AED 20 shall be applicable from 2nd transaction onwards subject to location of the ATM

***** Private Banking customers get 2 Free cash withdrawal transactions every month, could be from GCC or any International ATM’s. Cash withdrawal fee of AED 6 & AED 20 shall be applicable from 3rd transaction onwards subject to location of the ATM

Credit Cards
Annual Fee (Primary Card) Card Type  Annual Fee
Mastercard Titanium Free for Life 
Visa PlatinumFree For Life
Visa Signature*AED 525
Visa Signature - Super Saver**AED 840
CBD Smiles Platinum#AED 366.45
CBD Smiles SignatureAED 1,048.95
Visa Infinite*
AED 787.50
Mastercard World*AED 787.50
Annual Fee (Supplementary Card) Free for Life
Card Replacement Fee AED 78.75
Late Payment Fee AED 219.45
Over Limit Fee AED 219.45
Retail Interest# 3.45% per month
1.5% (for CBD Private Banking Customer only)
Cash Interest# 3.49% per month
Cash Advance Fee 3% or  AED 105 (whichever is higher) (VAT is applicable)
Credit Shield Insurance 0.89% per month on the outstanding balance
Foreign Transaction Fee (in other currencies)  2%*** (2.75% effective 01 Dec 2019) (VAT is applicable)
Foreign Transaction Fee (in AED) 2%*** (2.75% effective 01 Dec 2019) (VAT is applicable)
Copy of sales slip AED 26.25
Liability letter issuanceAED 52.50
Revolving Balance Transfer (Fee based BT) 
Processing FeeUp to 4% or AED 105 whichever is higher (VAT is applicable)
Cancellation Fee
Not Applicable
Regular Balance Transfer (Interest based BT) 
Interest Rate# Up to 0.89% flat per month
Cancellation Fee 2% of the remaining balance (VAT is applicable)
Cash On Call 
Processing Fee
1% of the transaction amount (VAT is applicable)
Interest Rate#
Up to 1.09% flat per month
Cancellation Fee
2% of the remaining balance (VAT is applicable)
Installment Plans- Retail Transactions (Easy Payment Plan) 
Processing Fee
Up to 5% on the transaction amount (VAT is applicable)
Cancellation Fee
AED 105
Installment Plans - Retail Balance (Flexible Payment Plan)
 
Interest Rate#
Up to 0.99% flat per month
Processing Fees1.5% effective 03 Nov, 2019
Cancellation Fee
AED 105
Installment Payment Plan
Period Interest rate Processing fees
3 months 0%
1%
6 months 0%
2%
12 months 0%
3%
Exit fee or foreclosure fee
AED 100 
Balance Transfer
Period Interest rate Processing fees
6 months 0% 1% or AED 100 (whichever is higher)
12 months 0% 2%
Transfer amount  Min. AED 1,000; Max. 95% of Credit Card limit
Cancellation Fee AED 100

#Free for 1st year. Annual fee will be applicable from 2nd year onwards.

* Free for 1st Year. Annual fee will be applicable only from 2nd year onwards. 

** Free for 1st Year only for New customers, existing CBD cardholders will be charged annual fee in the 1st Year.

*** This fee is charged in addition to the standard processing fee charged by Mastercard & Visa for transaction done in AED or in foreign currencies at merchant establishments (including physical and e-commerce merchants) that are domiciled outside the UAE.
 

PSP Tariff
Cash Online Top-up Fees
Channel Fees
Teller (CBD Branches & PSPD Locations) AED 52.50
Online Wallet Top-Up (via CBD Online Banking and I-Business) AED 26.50
Telex Transfer
AED 52.50 (Excluding Transfer Charges)
Cheque Deposit Machine (CDM) AED52.50
Automated Teller Machine (ATM)AED 52.50
Amwal Wallet Top-Up Charges
Channel Fees
Teller (CBD Branches & PSPD Locations)
AED 52.50
Teller Transfer AED 52.50 (Excluding applicable transfer charges)
Cheque Deposit Machine (CDM)
AED 52.50
Automated Teller Machine (ATM)
AED 52.50
Noqodi Wallet Top-Up Charges
Channel Fees
Noqodi (via eDebit) AED 21
Noqodi (via CBD Branches) AED 52.50
Transaction Fees
Services Fees
EIDA - Emirates Identity Authority  AED 2.63
DSG - Dubai Smart GovernmentAED 3.16
E-service -  for GDRFA of all other Emirates except DubaiAED 3.15
 DP World - Dubai Port World AED 5.25
 EMPAY - Emaratech PaymentAED 6.30

 


Cheques Collection
Postdated cheques deposited for collection AED 10.50 per cheque
Cheque return charges AED 26.25 plus correspondent charges
Stop payments charges per cheque AED 52.50 per cheque
Special clearing cheque from other banks AED 215.25                          
Outward cheque collection ( Foreign currency)            0.125% minimum AED 131.25 (VAT is applicable) 

 

Standing Orders
Standing Order - Set-up AED 52.50
Standing Order transaction charges Charges as per MC/DD Swift charges (VAT is applicable) 
Non-Execution of S/O due to lack of funds AED 26.25
Standing Order amendment charges AED 26.25

 

Teller Services
Cash commission on foreign currency transactions 1% of FCY amount, minimum AED 21 (VAT is applicable)
Teller services 6 transactions free per month (other than cash transactions); additional AED 10.50 per transaction

 

Outward Remittances
Manager's Cheque Issuance AED 78.75
Stop Payment of Manager's Cheque   AED 52.50
Demand Draft Issuance   AED 78.75
Stop Payment of Demand Draft   AED 52.50 
SWIFT / Telex transfer
Gulf countries AED 78.75 at branch, AED 15.75 through Online/Mobile Banking; Correspondent Bank charges may apply 
Other countries AED 84 at branch, AED 21 through Online/Mobile Banking; Correspondent Bank charges may apply 


Faster Remittances to India
Segment Number of free transfers Charges for additional transfers (AED)
Personal 5 10.50
Elite 5 10.50
Private* Unlimited 0
*Segment waivers will be in addition to the first 5 free transfers.

Faster Remittances to Philippines
Segment Number of free transfers Charges for additional transfers (AED)
Personal/Elite 3* 21
Private* Unlimited FREE

Faster Remittances to Pakistan
Segment Number of free transfers For remittances more than equivalent AED 752 For remittances less than equivalent AED 752
Personal/Elite 3* FREE
AED15.75
Private* Unlimited FREE FREE 
*Segment waivers will be in addition to the first 3 free transfers.
*Free transfer applicable till 31st October 2019 . *All transactions through third party providers will be restricted to 5 transactions per month as per defined limits

 

TT/SWIFT Cancellation AED 52.50; Correspondent Bank charges may apply
TT/SWIFT Recall
AED 105; Correspondent Bank charges may apply
TT/Fate Inquiry AED 105; Correspondent Bank charges may apply
UAEFTS Charges as per Central Bank (UAE Funds Transfer System)
Remittance Charges if borne by the remitter and beneficiary AED 5.25 at Branch, AED 1.05 through Online Banking (Free for CBD ELITE customers) 
Remittance Charges if borne by the beneficiary
AED 5.25 at branch, AED 1.05 through Online Banking (Free for CBD ELITE customers)
Remittance Charges if borne by the remitter
AED 6.30 at branch, AED 2.10 through Online Banking (Free for CBD ELITE customers)  

 

Inward Remittances
 Inward Payments for Currency Accounts - USD Equivalent to AED 26.25
 Inward Payments for Currency Accounts - EUR Equivalent to AED 26.25
 Inward Payments for Currency Accounts - GBP Equivalent to AED 26.25
 Inward Payments for Currency Accounts - Other Currencies Equivalent to AED 26.25
UAEFTS Charges as per Central Bank
(UAE Funds Transfer System)
Remittance Charges if borne by the
remitter and beneficiary 
AED 1.05
Remittance Charges if borne by the beneficiary
AED 1.05
Remittance Charges if borne by the remitter
NIL

 

Personal Loan
Processing fee 1% flat of loan amount (VAT is applicable) (minimum AED 525 and maximum AED 2,625)
Interest on loan
As per credit policy for personal loan
Part-payment from own sources
1% (VAT is applicable); Max AED 10,500
Part-payment from other bank
1% (VAT is applicable); Max AED 10,500
Early settlement from own source
1% (VAT is applicable); Max AED 10,500
Early settlement from other bank
1% of remaining balance (VAT is applicable) or AED10,500 whichever is lower
Life insurance Up to 1.75% of loan amount
Postponement request AED 105
Re-scheduling of loan AED 262.50
Loan cancellation fee AED 105
Final settlement from other sources/End of Service Benefits 1% (VAT is applicbale); Max AED 10,500
Late payment penal interest charges Max AED 200
 Issuance of liability letter to other banks  AED 63

*The life insurance fees not applicable for Secure Lending [Loan Against Deposit]


 

Overdraft
Revolving Overdraft Set-Up Fees AED 105

 

Car Loan
Processing fee 1% on Loan/Finance Amt. (VAT is applicable) (Min. AED 525 & Max. AED 2,625)
Early / Part Settlement
1% of the outstanding balance (VAT is applicable) or AED 10,500 whichever is lower
Postponement Request
AED 105
Reschedule of Loan
AED 262.50
Vehicle Mortgage /Vehicle Mortgage Release
No bank charges (RTA charges may apply)
Advance Payment of Installment
1% of the Advance Payment (VAT is applicable)
Late payment penal charges# 2% over agreed rate - Min. AED 50 & Max. AED200
Issuance of liability letter to other banks AED 63

 

Mortgages
Type of Services Segment/Parameters  (Fees & Charges)
* Pre-Approval Fee Salaried AED 1,575
  Self-employed AED 2,100
  Non-resident AED 2,100 (for both Salaried and Self-employed)
 Brokers, Existing Al Dana with LOR >=1yr & Private Banking customers 

Waived 

 Processing Fee NTB 1% of Approved Loan/finance amount (VAT is applicable) with Minimum of AED 5,250
  Buyout

Nil,

Customer seeking additional equity i.e. Buyout  & equity, 1% processing fee applicable on the Equity release/incremental amount (VAT is applicable)
  Existing Al Dana customers0.75% of Approved Loan/finance amount (VAT is applicable) with Minimum of AED 5,250 to existing Dana clients maintaining AED 400K balance or salary transfer to CBD of AED 40K for last 3 months. 
*Pre-Approval charges shall be adjusted towards processing fee once full case is submitted within the validity of pre-approval (60 Days)
Early settlement from the same bank loan/financeLoan closure / full settlement from own source or through sale proceeds1% of the outstanding amount (VAT is applicable) or AED 10,500 whichever is less
 Early settlement from other bank (Buyout) Loan  closure / full settlement through other banks / transferring loan/finance  1% of the outstanding amount (VAT is applicable) or AED 10,500 whichever is less
 Partial payment  Applicable on the pre-paid amount
  • Free up to 15% of the outstanding amount per year 
  • 1% capped at Max. AED 10,500 on the partial settlement amount exceeding 15% outstanding amount per year (VAT is applicable)

Revalidation

(these are standalone charges & should not be adjusted against processing fee)
Revalidation of conditional approval / Pre-approvalAED 525 across all segments
 Amendments to offer letter AED 1,050
 Insurance Life Insurance premium0.40% per year (0.033% Per month) subject to change as specified by the Policy provider
Property Insurance premium0.040 % per year subject to change as specified by the Policy provider
Property Valuation  ResidentialAED 3,150 for single residential properties *additional charges apply for multiple units
Penal Interest/ Penalty and Charges Additional Interest of 2% on the delayed amount for the delayed period. In addition to the penal interest, AED 200 per past-due occurrence
Letter issuance charges Liability letter AED 89.25
 Liability letter addressed to Govt. authorities & charitable organizations AED 105
 Reissuance of Clearance Letter AED 99.75
 Issuance of NOC to Rent Committee, RERA, Developer & any other Competent Authority AED 157.50
Revalidation of conditional approval / Pre-approval 
AED 525 across all segments
 Others charges Copy of Repayment Schedule AED 78.75
 Copy of Offer Letter, mortgage Contracts and Title Deed AED 105 per document, per instance
 Amendments to existing loan/finance structure(If requested by the borrower) AED 3,150
 Property swaps  administration fees  AED Max 1386 (valuation included)
 Request of any other letters AED 94.50
 Any other certificate AED 78.75
 Non-standard statement production/copy of original documentation AED 105
Additional conditions referring to Fees All 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 26.25 
Others AED 5.25
Inward Amendment Request (Setup Confirmation)
Loans, Finances, Credit Cards, Mortgage Loan
AED 26.25 
Others AED 5.25
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 26.25
Mortgage Loan
AED 26.25
No Pay due to Insufficient Funds by Credit Cards:
Others
Free

 

Certificates
Account balance certificate AED 52.50 
No liability certificate AED 63
Audit confirmation AED 105
Account closure certificate (release letter) AED 52.50
Economic department certificate AED 105
Credit enquiry with UAE Banks AED 52.50
Liability letter issued for personal accounts to Govt. Departments, Embassies
and financial institutions
AED 63

 

Safe deposit locker charges
Size Rent per annum Security Deposit* 
Small AED 1,050 AED 2,000
Medium AED 1,312.50 AED 5,000
Large AED 2,100 AED 7,000
X Large AED 2,625 AED 10,000
XX Large AED 3,675 AED 20,000
XXX Large AED 5,250 AED 25,000 
*T&Cs apply

Courier charges
Within same Emirate AED 31.50 
Other Emirates AED 52.50
Within Gulf countries AED 105
Other countries AED 157.50
General postage to all countries AED 15.75

 

Other charges
Ad-hoc Request for statement of account AED 26.25 -per month requested
Cheque photocopy less than one year AED 10.50 over one year AED 21
Returned cheques charges due to non-sufficient Funds AED 105
Standard cheque books Free first cheque book on opening account; additional cheque book: AED 1.05 per leaf + courier charges. Subject to a minimum charge of AED 21

 

Salary Advance (Excl. VAT)
Processing Fee (One time) A. AED 313.95 for salary advance amount <= AED 30,000
B. AED 523.95 for salary advance amount > AED 30,000
Over-limit Fee (Monthly)1.00% applicable on the over-limit amount (VAT is applicable) (Minimum AED 210)
Over-due Fee (Monthly) 1.17% applicable on the outstanding amount post Salary Advance Limit Expiry (Mini) (VAT is applicable)

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. As per the Federal Tax Authority and UAE Central bank regulation, an additional 5% VAT will be applicable on selected items.
# Products and services where VAT is not applicable.Additional expenses, e.g. postage, cable, courier, fax, legal fees, etc. will be charged for, where incurred.

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