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Fees & Charges

List of Fees & Charges - Individual Accounts



Current / Mudaraba Savings Accounts
Minimum balances to be maintained to avoid charges:AED 5,000
USD 1,500
GBP 1000
EUR 1000
Breach of minimum balance (monthly)*AED 26.25
USD 7.35
GBP 5.25
EUR 5.25
Account closure fee AED 105

 

  • Standard exclusions apply
  • T& C Apply 
*No minimum balance requirement for CBD Al Islami Elite, CBD Al Islami Private and Al Islami Executive Banking customers

 

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 20,000 AED 5,000 per transaction
CBD ELITE AED 30,000 AED 50,000 AED 5,000 per transaction
CBD PrivateAED 50,000AED 100,000AED 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 FeeAED 26.25*
Copy of sales slipAED 26.25
Foreign Currency Fee2% ** (VAT applicable)
ATM Transaction fees (for Debit Cards only)
For Balance Enquiry throughCustomer Segments
  Personal BankingExecutive Banking   Elite BankingPrivate Banking 
 CBD ATM'sFreeFreeFreeFree
 Other Bank’s ATM within UAE# AED 1.05FreeFreeFree
 Other Bank’s ATM outside UAE & within GCC# AED 3.15FreeFreeFree
 International (ATM’s outside UAE & GCC)#NilNilNilNil
For Cash Withdrawal throughCustomer Segments 
 Personal Banking Executive Banking Elite Banking Private Banking
 CBD ATM'sFreeFreeFreeFree
 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)
 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.

Cards 
Annual Fee & Profit Rate (Primary Card) Card Type Annual  Fee     Murabaha Profit Rate(Monthly)
Cash Advance Murabaha Profit (ATM withdrawal)
 Visa PlatinumFree For Life               2.25% 2.25%
 Visa Signature AED 525* 2.25% 2.25%
 Visa InfiniteAED787.50* 2.25% 2.25%
 Visa Signature - Islamic Super SaverAED420** 3.45% 3.45%
Annual Fee (Supplementary Card)  Free for Life
Card Replacement Fee AED 78.75
Late Payment Fee AED157.5
Cash Advance Fee  (Maximum Withdrawal is AED 3,000 per transaction)   AED 105 (whichever is higher) - VAT is applicable
Cheque Return Fee AED 200
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)
Copy of sales slip AED 26.25
Liability letter issuanceAED 52.50
Credit Cards - Cash on Call
Processing FeeFree
Murabaha Profit Rate
 Up to 0.99% flat per month
Cancellation Fee
  Free 
Credit Cards - Revolving Balance Transfer
Processing Fee1% or AED100 whichever is higher (VAT is applicable)
Murabaha Profit Rate 0% 
Cancellation Fee  Free
Installment Plans - Retail Transactions
Processing Fee
Free
Murabaha Profit Rate
Up to 0.25% flat per month
Cancellation FeeFree

* 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 01st 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 naida2

 

Cash Online top up fees
Channel Fees
Online Wallet Top-UpAED 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

 

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 21 through Online/Mobile Banking; 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)      

 

Absher Personal Finance
Processing fee 1% flat of finance amount (VAT is applicable) ( minimum AED 525 and maximum AED 2,625 )
Profit Rate As per credit policy for Absher personal finance
Trading Commission Applicable as per nature of transaction opted by customer for commodity purchase
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 insurance up to 1.50 % of finance amount *
Postponement request AED 105
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
Late payment charges (Contributed to Charity) Max AED 210
Issuance of liability letter to other banks AED 63

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

Sayaraty 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 Loan / Finance  AED 262.50
Vehicle Mortgage /Vehicle Mortgage Release  No bank charges (RTA charges may apply)
Late payment penal charges - (Contributed to Charity)# 2% over agreed rate - Min. AED 52.50 & Max. AED 210
Issuance of liability letter to other banks AED 63

 

Bayty Home Finance (Mortgage)
Type of Services Segment/Parameters Fees and Charges
*Pre-Approval Feed
 Salaried AED 1,575
 Self-employedAED 2,100
Non-residentAED 2,100 (for both Salaried and Self-employed)
 Processing FeeNTB 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 loanLoan 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-approval AED 525 across all segments
Amendments to offer letterAED 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 2% on the delayed amount for the delayed period. In addition to the penal interest, AED 210 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 AED157.50
Others chargesPostponement  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 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  
 * Postponement of Installments is subject to Management approval.

 

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 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.

    

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.