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Fees & Charges

Letter of Guarantee charges

A)LG ISSUANCE COMMISSIONS:
 BUSINESS EXISTING
SUGGESTED
1Commission on Issuance of Contract Finance Guarantees 
(Bid Bonds, Performance Bonds, Advance Payment,  Retention & Maintenance)
1.25% Per Anum
(Min. 3 Months) 
With Minimum Commission 
Per LG AED 300/- 
1.50% Per Anum
(Min. 3 Months) 
With Minimum Commission 
Per LG AED 500/- 
2Commission on Issuance of Open Ended LGs
1.5% Per Anum
(Min. 3 Months) 
With Minimum Commission 
Per LG AED 300/- 
2% Per Anum
(Min. 3 Months) 
With Minimum Commission 
Per LG AED 500/- 
3Commission on Issuance of Financial LGs - Fixed maturity
1.75% Per Anum
(Min. 3 Months)
With Minimum Commission 
Per LG AED 300/- 
2% Per Anum
(Min. 3 Months)
With Minimum Commission 
Per LG AED 500/- 
4Commission on Issuance of Financial LGs - Open Ended
2% Per Anum
(Min. 3 Months)
With Minimum Commission 
Per LG AED 300/- 
3% Per Anum
(Min. 3 Months)
With Minimum Commission 
Per LG AED 500/- 
5Commission on Issuance of LGs 
Against 100% (Not Partially) Cash Margin
 50% Commission as per above mentioned rates 
With Minimum Commission 
Per LG AED 300/- 
80% Commission as per above mentioned rates 
With Minimum Commission 
Per LG AED 500/- 
6Commission on Issuance of LGs 
Against 100% (Not Partially) Cash Collateral
80% Commission as per above mentioned rates 
With Minimum Commission 
Per LG AED 300/- 
90% Commission as per above mentioned rates 
With Minimum Commission 
Per LG AED 500/- 
7Commission on Issuance of LGs 
(Other Guarantees not mentioned above including Labour Gtee)
1% Per Anum
(Min. 3 Months) 
With Minimum Commission 
Per LG AED 300/- 
2% Per Anum
(Min. 3 Months) 
With Minimum Commission 
Per LG AED 500/- 


B)LG AMENDMENT COMMISSIONS:
 EXISTING CHARGES
SUGGESTED
1Amendment Commission for Increase in LG Amount
Additional Commission Charged on Increased Amount Same as LG Opening Commission 
With Minimum Commission Per Amendment AED 250/- 
Plus Fax/SWIFT/Courier Charges
Additional Commission Charged on Increased Amount Same as LG Opening Commission 
With Minimum Commission Per Amendment AED 300/- 
Plus Fax/SWIFT/Courier Charges
2Amendment Commission for Extension in Expiry Date
Additional Commission Charged for Extended Period 
Same as LG Opening Commission 
With Minimum Commission Per Amendment AED 250/- 
Plus Fax/SWIFT/Courier Charges
Additional Commission Charged for Extended Period 
Same as LG Opening Commission 
With Minimum Commission Per Amendment AED 300/- 
Plus Fax/SWIFT/Courier Charges
3Other Amendments 
(Changes in LG Terms & Conditions, Clauses etc.)
AED 250/- Per Amendment
Plus Fax/SWIFT/Courier Charges
AED 300/- Per Amendment
Plus Fax/SWIFT/Courier Charges

Import - Letter of Credits charges

A)LC OPENING COMMISSIONS: EXISTING CHARGESSUGGESTED
1Sight / Time / Local LCs 
Business Segment Customers
1/6% Per Month (Min. 3 Months) up to AED 100,000/- 
On the Balance 1/8% Per Month (Min. 3 Months) 
With Minimum Commission Per LC AED 500/- 
Plus Handling Fee		Business Segment Customers
1/6 % Per Month (Min.3 Months) with Minimum
commission Per LC AED500/- plus Handling fee
2Revolving LCsSame as Sight/Time/Local LCs Min. AED 500/-
Plus Scrutiny Fee AED 500/-
Plus 1/8% Flat Commission on Each Revolved Amount
With Minimum Commission Per Revolve AED 300/- 
Plus Handling Fee 		Same as Sight/Time/Local LCs Min. AED 500/-
Plus Scrutiny Fee AED 500/-
Plus 1/8% Flat Commission on Each Revolved Amount
With Minimum Commission Per Revolve AED 500/- 
Plus Handling Fee 
3Back to Back LCsSame as Sight/Time/Local LCs 
Plus AED 500/- Scrutiny Fee		Same as Sight/Time/Local LCs 
Plus AED 500/- Scrutiny Fee
4Standby LCs1/8% Per Month (Min. 3 Months)
With Minimum Commission Per LC AED 250/- 		1/8% Per Month (Min. 3 Months)
With Minimum Commission Per LC AED 500/- 
B)LC AMENDMENT COMMISSIONS:

1Amendment Commission for Increase in LC AmountAdditional Commission Charged on Increased Amount Same as LC Opening Commission 
With Minimum Commission Per Amendment AED 200/- 
Plus Handling Fee		Additional Commission Charged on Increased Amount Same as LC Opening Commission 
With Minimum Commission Per Amendment AED 300/- 
Plus Handling Fee
2Amendment Commission for Extension in Expiry DateAdditional Commission Charged for Extended Period 
Same as LC Opening Commission 
With Minimum Commission Per Amendment AED 200/- 
Plus Handling Fee		Additional Commission Charged for Extended Period 
Same as LC Opening Commission 
With Minimum Commission Per Amendment AED 300/- 
Plus Handling Fee
3Other Amendments 
(Changes in LC Terms & Conditions, Clauses etc.)		AED 200/- 
Plus Handling Fee		AED 300/- 
Plus Handling Fee
E)LC ACCEPTANCE COMMISSION

1LC Acceptance Commission 1/8% Per Month from Date of LC Expiry till maturity date of Bill
With Minimum Commission AED 200/- 
Plus Swift Charges		Business Segment Customers
1/6 % Per Month from Date of LC Expiry till maturity date of Bill Minimum AED300/-

List of Fees & Charges - Corporate

Account Type Standard Plus
Account Currency AED, USD, GBP, EURO, JPY AED, USD, GBP, EURO, JPY
Minimum monthly average balance AED 20,000 (or in equivalent currency) AED 300,000 (or in equivalent currency)
Minimum relationship balance charges AED 150 per account AED 250 per account
Account services fee  AED 500 per month per account Free
Account closure within 12 months AED 300 per account AED 200 per account
Escrow Accounts
    
Escrow Accounts – Set Up Fee As per structure agreed with the client As per structure agreed with the client
Annual Maintenance Fee
 As per structure agreed with the client
 As per structure agreed with the client
Engineer Visit Fee
 As per structure agreed with the client
 As per structure agreed with the client
Standing Instructions    
Set up fee AED 50 per set up AED 10 per set up
Execution charge AED 15 per transaction AED 10 per transaction
Failure due to insufficient funds AED 50 per transaction AED 10 per transaction
Amendment / Cancellation AED 15 per set up AED 10 per set up
Remittances: Incoming* Per Transaction
Local within UAE AED 1 (on applicable transaction types)
 AED 1 (on applicable transaction types)
International Remittance AED 45 AED 20
Remittances: Outgoing Per Transaction

Manual Electronic Manual Electronic
Local within UAE AED 60 AED 45 AED 50 AED 30
International outside UAE AED 110 AED 75 AED 85 AED 60
Transfer within own account AED 60
 Free AED 50 Free
Transfer within CBD account AED 60 Free AED 50 Free
Managers Cheques  Demand Draft    
Managers Cheques (per cheque) AED 25
 AED 20
Demand Drafts (per draft) AED 30
 AED 25
Cheques

Cheque Book
  • 1st chequebook free
  • AED 50 – 50 Leaf Cheque Book
  • AED 25 – 25 Leaf Cheque Book
  • 1st chequebook free
  • AED 50 – 50 Leaf Cheque Book
  • AED 25 – 25 Leaf Cheque Book
Inward clearing cheques (payments made by clients) Free Free
Special Clearing (inward and outward) AED 205 per cheque AED 205 per cheque
Outward clearing cheques Free Free
Return cheques: inward clearing (payments made by clients) AED 500 per cheque AED 500 per cheque
Return Cheques: Outward Clearing AED 10 Per Cheque AED 10 Per Cheque
iCollect - Corporate Cheque Scanning Solution

Implementation Charge AED 8,500 Per Scanner AED 8,000 Per Scanner
Monthly Maintenance (including iDoc service charge) AED 1,250 Per Scanner AED 1,000 Per Scanner
Service Cancellation AED 500 Per Scanner  AED 500 Per Scanner
iPrint - Corporate Cheque Printing Solution

Implementation Charge AED 5,000 Per Account AED 2,000 Per Account
Printing at Client premises*** AED 3 Per Cheque AED 2 Per Cheque
Printing at Bank premises*** AED 10 Per Cheque
 AED 10 Per Cheque
Service cancellation  AED 500 Per Account
 AED 500 Per Account
Post Dated Cheques Management

PDC collection AED 15 per cheque AED 8 per cheque
PDC date extension AED 25 per cheque AED 15 per cheque 
PDC withdrawal AED 25 per cheque AED 15 per cheque
PDC report AED 50 per report per account (manual retrieval) AED 50 per report per account (manual retrieval)
Cash Deposits

Over the counter AED 25 per cash deposit 

AED 250 flat fee, per cash deposit over AED 250,000  		AED 25 per cash deposit 

AED 250 flat fee, per cash deposit over AED 250,000 
Through Cash Deposit Machine Free
 Free

Cash Withdrawals 		Fees and Charges Applicable to CBD Clients
 Basic Accounts Plus Accounts
Cash cheque withdrawal charges
  •  First 10 withdrawals free per month
  • AED 50 per cheque withdrawal for subsequent withdrawals  
  •  First 10 withdrawals free per month
  • AED 50 per cheque withdrawal for subsequent withdrawals 
Payroll

Rateb one time set up
  • 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
Rateb – Card Issuance AED 5 per card
 AED 5 per card 
Rateb Card – Cancellation
 AED 1 per card
 AED 1 per card
Rateb Card – Inactive fee  AED 1 per card per month
 AED 1 per card per month 
Payroll Processing (Manual) AED 1,000 per file
Rateb - Payroll Processing WPS AED 7 per card AED 6 per card
WPS MOL ID Registration
 AED 100 per month per MOL ID
 AED 100 per month per MOL ID
WPS MOL ID – Cancellation
 AED 500 per MOL ID
 AED 500 per MOL ID
WPS Transfers to other Banks
 AED 3 per record
 AED 2 per record
Non WPS transfers to other banks AED 50 per bank AED 50 per bank
Pension Payments AED 100 per file AED 100 per file
Pension Payments – Processing Fee
 AED 5 per record
 AED 5 per record
Payment Gateway - E-Commerce    
Implementation Fee
 As per structure agreed with the client As per structure agreed with the client
Monthly Maintenance Fee
 As per structure agreed with the client
 As per structure agreed with the client
Commission
 As per structure agreed with the client
 As per structure agreed with the client
iDoc – Document Collection Service
    
Dubai
 AED 750 per month per location
 AED 750 per month per location
Jebel Ali/ Sharjah
 AED 800 per month per location AED 800 per month per location
Other Emirates
 AED 850 per month per location
 AED 850 per month per location
iCash – Cash Collection Solution
    
Un-Verified Cash Collection Service
 As per structure agreed with the client
 As per structure agreed with the client
Cash Deposit Centre**
 AED 30 per deposit slip
 AED 30 per deposit slip
Cash Deposit Machines (Customer Site)
 As per structure agreed with the client
 As per structure agreed with the client
Hybrid Service – Remittance/Payroll
    
One Time Set Up
 As per structure agreed with the client
 As per structure agreed with the client
Payroll – Record Processing
 AED 5 per record
 AED 3 per record
Remittance – Record Processing
 As per outward transaction processing charges
 As per outward transaction processing charges
iBusiness - Corporate Internet Banking
    
iBusiness - Implementation
 AED 500
 AED 500
Monthly Service Charge - Enquiry 
 AED 125 per month  AED 100 per month
Monthly Service Charge - Transaction Initiation
 AED 200 per month
 AED 150 per month
Transaction Authorization Token
 First 2 Tokens - Free
Additional Tokens - AED 200 per Token		 First 2 Tokens - Free
Additional Tokens - AED 150 per Token
Training Support
 First Training free
Additional Training – AED 250 per session		 First Training free
Additional Training – AED 250 per session
Entity Grouping
 AED 50 per month per company
 AED 25 per month per company
Cash Online Linking
 AED 125 per month per account
 AED 100 per month per account
SWIFT Copy Download
 Free
 Free
iBusiness Cancellation Charges
 AED 500 per setup
 AED 500 per setup
Token Unlocking
 AED 50 per request
 AED 50 per request
iBusiness Amendment (except package change)
 AED 50 per request
 AED 50 per request
iConnect - Corporate Host-to-Host Solution

Implementation Charge AED 8,000**** per account AED 5,000**** per account
Monthly Maintenance Charge
 AED 750 per month per account
 AED 500 per month per account
Cancellation Charge
 AED 500 Per Account
 AED 500 Per Account 
 ****If Implementation exceeds 10 days then pricing may vary
Corporate Cards    
Implementation Fee
 As per structure agreed with the client As per structure agreed with the client
Corporate Purchasing Card
 As per structure agreed with the client As per structure agreed with the client
Corporate Travel & Entertainment Card
 As per structure agreed with the client As per structure agreed with the client
iDirect - Corporate Direct Debit Solution


Manual Electronic Manual Electronic
Originator Registration
 AED 1,000 per originator AED 500 per originator  AED 1,000 per originator  AED 500 per originator
Mandate Registration AED 5 per mandate
 AED 5 per mandate  AED 5 per mandate
 AED 5 per mandate
Mandate Amendment / Cancellation
 AED 5 per mandate

AED 5 per mandate

Direct Debit Processing
 AED 1 per record
 AED 1 per record
Originator Cancellation
 AED 1,000 per originator AED 1,000 per originator
Payer Set Up
 AED 200 per set up
 AED 200 per set up
Payer Confirmation
 AED 25 per confirmation
 AED 25 per confirmation
Payer Cancellation
 AED 100 per cancellation
 AED 100 per cancellation
Payer Amendment
 AED 100 per amendment
 AED 100 per amendment
Liquidity Management Solutions
Sweeping

Sweeping - Subscription
By Arrangement By Arrangement
Sweeping - One Time Setup
By Arrangement By Arrangement
Sweeping - Execution By Arrangement By Arragement
Sweeping - Amendment/Cancellation By Arrangement By Arragement
Pooling

Notional Pooling - Subscription By Arrangement By Arrangement
Notional Pooling - One Time Setup By Arrangement By Arrangement
Notional Pooling - Amendment/Cancellation By Arrangement By Arrangement
Inter-Company Sweeps Reporting

Inter-Company Sweeps Reporting Implementation By Arrangement By Arrangement
Receivable Management Solutions

Invoice Upload Charge By Arrangement By Arrangement
Invoice Reconciliation By Arrangement By Arrangement
Mirror Account Maintenance By Arrangement By Arrangement
Mirror Account Subscription By Arrangement By Arrangement
Value Added Services

International Payment - Fate
 AED 80 per message AED 40 per message
MT940 (For company use only)
 AED 75 per month per account
 AED 75 per month per account
MT940 (Reporting to other banks) AED 300 per account (daily reporting)
AED 200 per account (weekly reporting)
AED 150 per account (fortnightly report)
AED 100 per account (monthly reporting) 		AED 250 per account (daily reporting)
AED 200 per account (weekly reporting)
AED 150 per account (fortnightly report)
AED 100 per account (monthly reporting)
SMS Notification ( Free for Debits) First 5 messages - Free
Each additional message - AED 0.20 per message		 Free
Miscellaneous Charges

Stop payment of cheque AED 100 per cheque AED 50 per cheque
Stop payment of lost cheque book AED 500 per cheque book AED 100 per cheque book
Manual issuance of bank statement AED 100 per request per statement
 AED 100 per request per statement
Audit/Balance Sheet letter/Reference letter AED 250 per letter AED 150 per letter
SWIFT Copies of Remittances AED 100 per message AED 50 per message
Retrieval of transaction record AED 50 - per transactions within 6 months
AED 100 - per transactions beyond 6 months 		AED 25 - per transactions within 6 months
AED 50 - per transactions beyond 6 months
Trade License Charges AED 300 per license per month, 30 days from expiry AED 300 per license per month, 30 days from expiry

List of Fees & Charges - Commercial

Processing Fees
DescriptionCorporate Segment
1. New Facilities (Murabaha, Mudarbah, Ijarah Finance etc.)
1-Short Term/Working Capital Facilities
 0.25% Min. AED 10,000/- Max. AED 50,000/-
2- Mid Term - Corporate Finance
 0.60% Min . AED 12,000/- Max. AED 100,000/-
3- Mid Term - Real Estate Finance
 1.125% Min. AED 25,000/- Max. AED 150,000/-
4-Overdraft against Islamic Fixed Deposit
 0.25% Min. AED 10,000/- Max. AED 50,000/-
5-Murabaha Vehicle Finance
 0.25% Min. AED 1000/-
1. Existing Facilities
(a) Renewals:
1-Short Term/Working Capital Facilities
 0.125% Min. AED 2,500/- Max. AED 25,000/-
(b) Isolated:
1-Short Term/Working Capital Facilities
 0.125% Min. AED 5,000/- Max. AED 100,000/-
2-Mid Term Corporate Finance (Murabaha, Ijarah, Tawarruq Murabaha)
 0.35% Min. AED 6,000/- Max. AED 75,000/-
3- Mid Term Real Estate Finance (Murabaha, Ijarah)
 0.60% Min. AED12,000/- Max.AED 100,000/-
(c) Excess:
1-Up to 10% of Short Term/Working Capital Limits
 AED 2,500/- Flat
2-Above 10% of Short Term/Working Capital Limits
 AED 5,000/- Flat
(d) Others:
1- Re-scheduling/Restructuring - Finance
 0.125% Min. AED 5,000/-
2- Early Settlement- Finance
 Early Sales Murabaha-Not Applicable
Early Sales Ijarah (2%-4%)
3- Postponement- Installments
 AED 2,000/-per installment
II) Facilities Handling Fees
All other Revolving Limits (LPP,LPO,LAI etc)
 AED 200/- Per Transaction
Extension of all revolving Finance
 AED 200/-
Early Sales of all revolving Finance
 AED 200/- Per Settlement
III) Miscellaneous Charges
Legal Mortgage Registration Charges
 AED 2,500/- for same Emirates
AED 5,000/- for other Emirates
Legal Mortgage Amendment, Release Charges
 AED 1,500/- for same Emirates
AED 2,500/- for other Emirates

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.