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Fees & Charges

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 (monthly)AED 26.25  (AED 105)
USD 7.35 (USD 29.4 effective 1 Jan 2024)
GBP 5.25 (GBP 21 effective 1 Jan 2024)
EUR 5.25 (EUR 21 effective 1 Jan 2024)
Digital Current Account
Minimum monthly average balances**AED 5,000
Breach of minimum balance (Monthly)*** AED 26.25 (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 
*Minimum balance fee waived for the month if any ONE criteria is met - Minimum monthly average balance, monthly salary transfer or active loan product (Personal Loan, Auto Loan or Mortgage), funded CBD Investr account linked to the CBD account, accounts opened as a bundled proposition with Credit Cards.
Effective 1 Jan 2024: Minimum balance fee waived for the month if any ONE criteria is met -
Minimum monthly average balance, monthly salary transfer 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 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)
Foreign Currency Transaction Fee in (AED) 2% (VAT applicable) Effective 9th Oct, 2020
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.

Credit 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 SignatureAED 525* 2.25% 2.25%
 Visa InfiniteAED 787.50* 2.25% 2.25%
 Visa Signature - Islamic Super SaverAED 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 issuanceAED 52.50
Credit Cards - Cash on Call
Processing FeeAED 150 (VAT is applicable)
Murabaha Profit Rate
Up to 1.09% flat per month
Cancellation/ Early Settlement Fee
  Free 
TenureFacility available from 3 months to 36 months
Credit Cards - Revolving Balance Transfer
Processing FeeNil
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 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 n

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)      

 

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-employedAED 2,100
Non-residentAED 2,100 (for both Salaried and Self-employed)
 Processing FeeNTB 1% of Approved 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 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 financeFinance 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) 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 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
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%
Property Takaful (Rate per Year)a) Noor Takaful - 0.060%
b)ADNTC - 0.045%
c) Orient UNB - 0.040%
 Property Valuation ResidentialAED 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 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 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.

    

Disclaimer

Bank reserves the right to revise the Fees & Charges at any time by providing sixty (60) days prior written notice to the customer’s registered contact details. 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.