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About Us

Established in 1969, Commercial Bank of Dubai (CBD) is one of the first banks operating in the United Arab Emirates. It was established as a joint venture between Commerzbank, Chase Manhattan Bank and Commercial Bank of Kuwait, before evolving into a public shareholding company in 1982 when the Government of Dubai took a 20% stake.

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Corporate Governance

As a financial institution licensed in the UAE, Commercial Bank of Dubai PSC (“CBD” or the “Bank”) is committed to complying with the Corporate Governance Regulations and Standards issued by the UAE Central Bank and the Securities and Commodities Authority, and with best governance practices adopted internationally.

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Investor Relations

Everything you need to know about our performance, ownership and credit rating.

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Sustainability

For 54 years, CBD has had the privilege of a social license to operate in the UAE. We retained this license through an unending commitment to our corporate and social responsibility initiatives.

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Press Room

CBD Media Centre provides your with the latest news releases, fact sheets and awards information.

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Fees & Charges

Transparency every step of the way

List of Fees & Charges - Individual Accounts

Current / Mudaraba Savings Accounts
Minimum monthly average balances*	AED 5,000
	USD 1,500
	GBP 1,000
	EUR 1,000
Breach of minimum balance. Not applicable to Savings Account
	AED 105
	USD 29.4
	GBP 21
	EUR 21

Digital Current Account
Minimum monthly average balances**	AED 5,000
Breach of minimum balance (Monthly)***	AED 105
Account closure fee (Applicable after the cooling-off period of 5 working days and if closure is within 6 months of account opening)	AED 105

Standard exclusions apply
T& C Apply

** No minimum balance requirement for CBD Elite and CBD Private customers.
***Minimum balance fee waived for the month if any ONE criteria is met -
Minimum monthly average balance, monthly salary transfer (Minimum salary transfer of AED 5000 effective 1st October 2024 ) or active finance product (Personal
finance, Auto finance or Home finance), funded CBD Investr account linked to the CBD account,
accounts opened as a bundled proposition with Credit Cards.

Daily Cash Deposit Limits via ATMs
	Daily Deposit limit:
Direct	AED 10,000
Personal	AED 40,000

Daily Cash Withdrawal Limits ATMs/ Daily Purchase Limits for Debit Cards
	CBD ATM	Debit Card Purchase	Non CBD ATM
Direct	AED 10,000	AED 10,000	AED 5,000 per transaction
Personal	AED 20,000 (AED 15,000 effective 1 Dec 2023)	AED 20,000	AED 5,000 per transaction
CBD ELITE	AED 30,000	AED 50,000	AED 5,000 per transaction
CBD Private	AED 50,000	AED 100,000	AED 5,000 per transaction

Mudaraba Investment Deposit - Time Deposits Accounts
Minimum time deposit amount	AED 10,000
Pre-mature closure of Time Deposits^#	'profit is calculated based on lesser weightage

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)

Foreign Currency Transaction Fee in (AED)

2% (VAT applicable)

ATM Transaction fees (for Debit Cards only)

For Balance Enquiry through

Customer Segments

Personal Banking

Executive Banking

Elite Banking

Private Banking

CBD ATM's

Free

Other Bank’s ATM within UAE^#

AED 1.05

Free

Other Bank’s ATM outside UAE & within GCC^#

AED 3.15

Free

International (ATM’s outside UAE & GCC)^#

Nil

For Cash Withdrawal through

Customer Segments

Personal Banking

Executive Banking

Elite Banking

Private Banking

CBD ATM's

Free

Other Bank’s ATM within UAE^#

AED 2
(VAT Inclusive)

1 Free per month***

3 Free per month***

Free

Other Bank’s ATM outside UAE & within GCC^#

AED 6
(VAT Inclusive)

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 for transactions after the free transactions

**** 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. Executive Banking- Elite customers enjoy the same benefits as Elite customers.

***** 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 & Profit Rate (Primary Card)	Card Type	Annual Fee	Murabaha Profit Rate(Monthly)	Cash Advance Murabaha Profit (ATM withdrawal)
	Visa Platinum	Free For Life	2.25%	2.25%
	Visa Signature	AED 525*	2.25%	2.25%
	Visa Infinite	AED 787.50*	2.25%	2.25%
	Visa Signature - Islamic Super Saver	AED 420**	3.45%	3.45%
Annual Fee (Supplementary Card)	Free for Life
Card Replacement Fee	AED 78.75
Donation Amount (Late Payment)	AED 157.5
Cash Advance Fee (Maximum Withdrawal is AED 3,000 per transaction)	AED 105 - VAT is applicable
Cheque Return Fee	AED 200
Credit Shield Insurance (Takaful)	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)
Copy of sales slip	AED 26.25
Liability letter issuance	AED 52.50
Credit Cards - Cash on Call
Processing Fee	AED 150 (VAT is applicable)
Murabaha Profit Rate	Up to 1.09% flat per month
Cancellation/ Early Settlement Fee	Free
Tenure	Facility available from 3 months to 36 months
Credit Cards - Revolving Balance Transfer
Processing Fee	Nil
Murabaha Profit Rate	Up to 0.89% flat per month
Cancellation/Early Settlement Fee	Free
Tenure	Facility available from 3 months to 36 months
Installment Plans - Retail Transactions
Processing Fee	Free
Murabaha Profit Rate	Up to 0.25% flat per month
Cancellation Fee	Free

* Free for 1st Year. Annual fee will be applicable only from 2nd year onwards
** Offered as first year free for new customers only. Existing CBD Al Islami cardholders applying for CBD Al Islami Super Saver card, the annual fee of AED 420 (including 5% VAT) will be applicable from first year onwards. Annual Fee of AED 840 (including 5% VAT) shall continue to apply for existing CBD Al Islami Super Saver Cardholders enrolled on or before 29-Feb-2020

*** 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.

Effective 01^st Jan 2019, all Fees mentioned above for Credit Cards are subject to additional 5% Value Added Tax (VAT) except those which are explicitly stated as inclusive of VAT n

Cash Online top up fees
Channel	Fees
Online Wallet Top-Up	AED 26.25
Teller (CBD Branches)	AED 52.50
Telex Transfer	AED 52.50 (Excluding Transfer Charges)
Cheque	AED 52.50
Transactions fees on cash online
Services	Fees
General Directorate of Residency & Foreigners Affairs (GDRFA)	AED 10
Emirates Identity Authority (EIDA)	AED 2.63
Dubai Smart Government (DSG)	AED 3.16
E-Service for GDRFA (except Dubai)	AED 3.15
E-Fawri for GDRFA (except Dubai)	AED 3.15
Dubai Ports World	AED 5.25
Emaratech Payment (EMPAY)	AED 6.30
NOQODI (via Direct Debit)	AED 21
NOQODI (via Teller)	AED 52.50

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 Effective 1st January 2025, Personal/Direct Banking Customers will be charged as below: AED 10.50 applicable for all cash teller transactions.*

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 (SHA Charge Code)	AED 1.05
Remittance Charges if borne by the beneficiary (BEN Charge Code)	AED 1.05
Remittance Charges if borne by the remitter (OUR Charge Code)	NIL

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 21through Online/Mobile Banking; Correspondent Bank charges may apply Effective 1st January 2025, Personal/Direct Banking Customers will be charged as below: AED 57.75 through Online/Mobile Banking AED 105 at Branch Correspondent Bank charges may apply
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 (SHA Charge Code)	AED 5.25 at Branch, AED 1.05 through Online/Mobile Banking (Free for CBD ELITE customers)
Remittance Charges if borne by the beneficiary (BEN Charge Code)	AED 5.25 at branch, AED 1.05 through Online/Mobile Banking (Free for CBD ELITE customers)
Remittance Charges if borne by the remitter	AED 6.30 at branch, AED 2.10 through Online/Mobile Banking (Free for CBD ELITE customers)

Faster Transfers to India
Segment	Number of free transfers	Charges (AED)
Personal / Direct	5* (Digi Account- 2 international transactions free per month) *No Free transactions per month. (Effective 1^st January 2025)	10.50
Executive Banking	5* (in addition one free transaction per month)	10.50
Elite	5* (in addition 4 international transactions free per month)	10.50
Private	Unlimited	-

Faster Transfers to Pakistan, Bangladesh & Philippines
Segment	Number of free transfers	Charges (AED)
Personal / Direct	2 free remittance per month. No Free transactions per month. (Effective 1st January 2025*)	10.50
Executive Banking	Not available	10.50
Elite	4 International Transfers free per month	10.50
Private	Unlimited	-

Personal Finance
Processing fee	1% of finance amount (VAT is applicable) ( minimum AED 525 and maximum AED 2,625 )
Profit Rate	As per credit policy for Absher personal finance
Finance Cancellation Fee	AED 105
Re-scheduling of Finance	AED 250
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 Other Bank	1% of remaining balance (VAT is applicable) or AED 10,500 whichever is lower
Early Settlement From Own Source	1% (VAT is applicable); Max AED 10,500
Life Takaful - Service Providers Options and Rate on Finance Amount (Insurance)	a) Noor Takaful - 0.82% b) Aman Insurance - 0.942% c) ADNTC - 0.905%
Postponement request	AED 105
DMCC - Commodity Trading Fee	AED 25 per million, Minimum AED 120
Final settlement from other sources/End of Service Benefits	1% (VAT is applicable); Max AED 10,500
Donation Amount (Late Payment)	Max AED 210
Issuance of liability letter to other banks	AED 63

*The life insurance fees not applicable for Secure Financing [Finance Against Deposit]

Vehicle Finance
Processing fee	1% on 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 Finance	AED 262.50
Vehicle Mortgage /Vehicle Mortgage Release	Nil
Donation Amount - (Contributed to Charity)^#	Max. AED 210 (VAT inclusive)
Issuance of liability letter to other banks	AED 63

Home Finance (Mortgage)
Type of Services		Segment/Parameters	Fees and Charges
*Pre-Approval Feed (Part of processing fee received upfront)		Salaried	AED 1,575
Self-employed		AED 2,100
Non-resident		AED 2,100 (for both Salaried and Self-employed)
Processing Fee		New to Bank	1% of Approved finance amount (VAT is applicable) with Minimum of AED 3,150
Buyout		Nil, Customer seeking additional equity i.e. Buyout & equity, 1% processing fee applicable on the Equity release/incremental amount (VAT is applicable)

*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 finance		Finance closure / full settlement from own source or through sale proceeds	1% of the outstanding amount (VAT is applicable) or AED 10,500 whichever is less
Early settlement from other bank (Buyout)		Finance closure / full settlement through other banks / transferring 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 once per calendar 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-approval	AED 525 across all segments
	Amendments to offer letter		AED 1,050
Takaful - Service Providers Options and Rate (Insurance)		Life Takaful (Rate on Total Finance Amount)	a) Noor Takaful - 0.01167% b) ADNTC - 0.0170% C) Aman Ins. - 0.0145%
Takaful - Service Providers Options and Rate (Insurance)	Property Takaful (Rate per Year)		a) Noor Takaful - 0.060% b)ADNTC - 0.045% c) Orient UNB - 0.060%
Property Valuation	Residential	AED 3,150 for single residential properties *additional charges apply for multiple units
Donation Amount (Late Payment)			Max AED 700
Letter issuance charges		Liability letter	AED 89.25
	Liability letter addressed to Govt. authorities & charitable organizations		AED105
	Reissuance of Clearance Letter		AED 99.75
	Issuance of NOC to Rent Committee, RERA, Developer & any other Competent Authority		AED157.50
	Others charges	Postponement of Installment * AED 100*
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 finance structure(If requested by the borrower)	AED 3,150
Property swaps administration fees	AED Max 1,386 (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
* Postponement of Installments is subject to Management approval.

Direct Debits Authority Charges - Processing Charges (Paying Bank)
Inward New Request (Setup Confirmation)
Finances, Credit Cards, Mortgage Finance	AED 26.25
Others	AED 5.25
Inward Amendment Request (Setup Confirmation)
Finances, Credit Cards, Mortgage Finance	AED 26.25
Others	AED 5.25
Inward Cancellation Request
Finances, Credit Cards and Others	Free
Mortgage Finance	Free
No Pay due to Insufficient Funds from Account to:
Finances, Credit Cards and Others	AED 26.25
Mortgage Finance	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 to Govt. Departments/Embassies and financial institution	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. Effective 1st January 2025, Personal/Direct Banking Customers will be charged as below: 2nd cheque book onwards AED 157.50 per cheque book*

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Accessibility

Al Islami Current Account

Fully Shari'ah compliant

Free Debit Card

Multiple currencies

Al Islami Foreign Currency Account

Account available in major currencies

Instant account opening

Free mobile and online banking

Al Islami Savings Account

Low minimum monthly balance

Fully Shari'ah compliant

Attractive profit rates

Al Islami GreenGrowth Account

Instant account opening

Flexibility and convenience

Attractive profit rates

Free of charge

Mudaraba Investment Deposit

Choice of currencies

Mudaraba

Low minimum deposit

Flexible deposit terms

Wakala Investment Deposit

Higher expected profit rates

Flexible deposit tenures

Multiple currencies

Bonus Booster Deposit

Expected returns of up to 8.25%

Fixed tenure

Instant account opening

Low monthly savings amount

Premium Saver Deposit

Earn up to 1.4% expected profit rate

2x expected returns

Fixed tenor

Low monthly savings amount

Step-Up Deposit

Earn up to 1.4% expected profit rate

Fixed tenure

Instant account opening

Low minimum deposit

Super Saver

Airport lounge access

Free for first year

Supplementary card

Free Valtrans valet parking

Al Islami Visa Debit Card

Islamic Personal Finance

Competitive profit rates

High financing amounts

Fully Shari'ah compliant

Save up to AED 20,000

Islamic Vehicle Finance

Competitive Murabaha profit rates

Financing for new and used cars

Fast processing

Flexible repayments

Islamic Finance Against Fixed Deposits

Get access to liquid funds

Get emergency funds

Flexible financing tenures

Competitive pricing

Islamic Home Finance

Competitive profit rates

Refinance your property

Flexible repayments

High financing amounts

CBD Financial Services

CBD Economic & Market Commentary

Domestic Transfers

Fund transfers to other banks in UAE

Transfer by using CBD Mobile

Instant Remittances

International Transfers (SWIFT)

Digital Banking

Phone Banking

Zakat Payment

CBD Rewards

Easy to earn

Simple to redeem