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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 3,000 AED 25
USD 1,000 USD 7
GBP 500 GBP 5
EUR 600 EUR 5
  AED 200(or equivalent) for negative balance 
Account closure fee AED 100

 

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 15,000 AED 5,000 per transaction AED 20,000
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 25*
Copy of sales slip AED 25
Foreign Currency Fee 2% **
ATM Transaction fees (for Debit Cards only)
 For Balance Enquiry through Customer Segments
   Personal Banking  Elite BankingPrivate Banking 
 CBD ATM's Not Applicable Not ApplicableNot Applicable
 Other Bank’s ATM within UAE# AED 1  Not Applicable Not Applicable
 Other Bank’s ATM outside UAE & within GCC# AED 3 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 2Free up to 10 withdrawals per month ***Not Applicable
Other Bank’s ATM outside UAE & within GCC#AED 61 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
 

* 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 500 
Visa Signature - Super Saver**AED 800
Visa Infinite*AED 750
Mastercard WorldAED 750
Annual Fee (Supplementary Card) Free for Life
Card Replacement Fee AED 75
Late Payment Fee AED 209
Over Limit Fee AED 209
Retail Interest# 3.29% per month (3.45% effective 20 June, 2019)
1.5% (for CBD Private Banking Customer only)
Cash Interest#  3.49% per month
Cash Advance Fee 3% or  AED 100 (whichever is higher)
Credit Shield Insurance 0.89% per month on the outstanding balance
Foreign Transaction Fee (Forex)  2%***
Foreign Transaction Fee (Forex) 2%***
Copy of sales slipAED 25
Liability letter issuanceAED 50
Revolving Balance Transfer 
Processing FeeUp to 3% or AED 100 whichever is higher
Cancellation Fee
Not Applicable
Regular Balance Transfer 
Interest Rate# Up to 0.89% flat per month
Cancellation Fee 2% of the remaining balance
Cash On Call 
Processing Fee
1% of the transaction amount
Interest Rate#
Up to 1.09% flat per month
Cancellation Fee
2% of the remaining balance
Installment Plans - Retail Transactions 
Processing Fee
Up to 5% on the transaction amount
Cancellation Fee
AED 100
Installment Plans - Retail Balance
 
Interest Rate#
Up to 0.99% flat per month
Cancellation Fee
AED 100
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 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
 

Cash Online Top-up fees
Channel Fees
Teller (CBD Branches) AED 50
Online Wallet Top-Up AED 25
iBusiness
AED 10
Telex Transfer
AED 50 (Excluding Transfer Charges)
Cheque AED 50
Transactions fees on Cash Online
Services Fees
General Directorate of Residency & Foreigners Affairs (GDRFA)
AED 10
Emirates Identity Authority (EIDA) AED 2.5
Dubai Smart Government (DSG)
AED 3
E-Service for GDRFA of all other Emirates (except Dubai)
AED 3
E-Fawri for GDRFA of all other Emirates (except Dubai) AED 3
Dubai Ports World  AED 5
Emaratech Payment (EMPAY) AED 5
NOQODI (via Direct Debit) AED 20
NOQODI (via Teller) AED 50

 


Cheques Collection
Postdated cheques deposited for collection AED 10 per cheque
Cheque return charges AED 25 plus correspondent charges
Stop payments charges per cheque AED 50 per cheque
Special clearing cheque from other banks AED 205             
Outward cheque collection ( Foreign currency)            0.125% minimum AED 125

 

Standing Orders
Standing Order - Set-up AED 50
Standing Order transaction charges Charges as per MC/DD Swift charges
Non-Execution of S/O due to lack of funds AED 25
Standing Order amendment charges AED 25

 

Teller Services
Cash commission on foreign currency transactions 1% of FCY amount, minimum AED 20
Teller services 6 transactions free per month (other than cash transactions); additional AED 10 per transaction

 

Outward Remittances
Manager's Cheque Issuance AED 75
Stop Payment of Manager's Cheque   AED 50
Demand Draft Issuance   AED 75
Stop Payment of Demand Draft   AED 50 
SWIFT / Telex transfer
Gulf countries AED 75 at branch, AED 15 through Online/Mobile Banking; Correspondent Bank charges may apply 
Other countries AED 80 at branch, AED 20 through Online/Mobile Banking; Correspondent Bank charges may apply 
TT/SWIFT Cancellation AED 50; Correspondent Bank charges may apply
TT/SWIFT Recall
AED 100; Correspondent Bank charges may apply
TT/Fate Inquiry AED 100; 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 at Branch, AED 1 through Online Banking (Free for CBD ELITE customers) 
Remittance Charges if borne by the beneficiary
AED 5 at branch, AED 1 through Online Banking (Free for CBD ELITE customers)
Remittance Charges if borne by the remitter
AED 6 at branch, AED 2 through Online Banking (Free for CBD ELITE customers)  

 

Inward Remittances
 Inward Payments for Currency Accounts - USD Equivalent to AED 25
 Inward Payments for Currency Accounts - EUR Equivalent to AED 25
 Inward Payments for Currency Accounts - GBP Equivalent to AED 25
 Inward Payments for Currency Accounts - Other Currencies Equivalent to AED 25
UAEFTS Charges as per Central Bank
(UAE Funds Transfer System)
Remittance Charges if borne by the
remitter and beneficiary 
AED 1
Remittance Charges if borne by the beneficiary
AED 1
Remittance Charges if borne by the remitter
NIL

 

Personal Loan
Processing fee 1% flat of loan amount (minimum AED 500 and maximum AED 2,500)
Interest on loan
As per credit policy for personal loan
Part-payment from own sources
1%; Max AED 10,000
Part-payment from other bank
1%; Max AED 10,000
Early settlement from own source
1%; Max AED 10,000
Early settlement from other bank
1% of remaining balance or AED10,000 whichever is lower
Life insurance Up to 1.5% of loan amount *
Postponement request AED 100
Re-scheduling of loan AED 250
Loan cancellation fee AED 100
Final settlement from other sources/End of Service Benefits 1%; Max AED 10,000
Late payment penal interest charges Max AED 200
 Issuance of liability letter to other banks  AED 60

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


 

Overdraft
Revolving Overdraft Set-Up Fees AED 100

 

Car Loan
Processing fee 1% on Loan/Finance Amt. (Min. AED 500 & Max. AED 2,500)
Early / Part Settlement
1% of the outstanding balance or AED 10,000 whichever is lower
Postponement Request
AED 100
Reschedule of Loan
AED 250
Vehicle Mortgage /Vehicle Mortgage Release
No bank charges (RTA charges may apply)
Advance Payment of Installment
1% of the Advance Payment
Late payment penal charges# 2% over agreed rate - Min. AED 50 & Max. AED 200
Issuance of liability letter to other banks AED 60

 

Mortgages
Type of Services Segment/Parameters  (Fees & Charges)
 Pre-Approval Fee Salaried AED 1,500 
  Self-employed AED 2,000
  Non-resident AED 2,000 (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 with Minimum of AED 5,000
  Buyout

Nil,

Customer seeking additional equity i.e. Buyout  & equity, 1% processing fee applicable on the Equity release/incremental amount
  Existing Al Dana customers75% of Approved Loan/finance amount with Minimum of AED 5,000 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 balance 
 Early settlement from other bank (Buyout) Loan  closure / full settlement through other banks / transferring loan/finance  1% of the outstanding amount or 10,000 whichever is less
 Partial payment  Applicable on the pre-paid amount
  • Free up to 15% of the outstanding amount per annum.
  • 1% on the amount exceeding 15% of the partial payment amount.
 

Revalidation

(these are standalone charges & should not be adjusted against processing fee)
Revalidation of conditional approval / Pre-approvalAED 500 across all segments
 Amendments to offer letter AED 1,000
 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 3,000 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 85
 Liability letter addressed to Govt. authorities & charitable organizations AED 100
 Reissuance of Clearance Letter AED 300
 Issuance of NOC to Rent Committee, RERA, Developer & any other Competent Authority AED 150
Revalidation of conditional approval / Pre-approval 
AED 500 across all segments
 Others charges Copy of Repayment Schedule AED 75
 Copy of Offer Letter, mortgage Contracts and Title Deed AED 100 per document, per instance
 Amendments to existing loan/finance structure(If requested by the borrower) AED 3,000
 Property swaps  administration fees  AED Max 1320 (valuation included)
 Request of any other letters AED 90
 Any other certificate AED 75
 Non-standard statement production/copy of original documentation AED 100
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 25 
Others AED 5
Inward Amendment Request (Setup Confirmation)
Loans, Finances, Credit Cards, Mortgage Loan
AED 25 
Others AED 5
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 25 
Mortgage Loan
AED 25
No Pay due to Insufficient Funds by Credit Cards:
Others
Free

 

Certificates
Account balance certificate AED 50
No liability certificate AED 60
Audit confirmation AED 100
Account closure certificate (release letter) AED 50
Economic department certificate AED 100
Credit enquiry with UAE Banks AED 50
Liability letter issued for personal accounts to Govt. Departments, Embassies
and financial institutions
AED 60

 

Safe deposit locker charges
Size Rent per annum Security Deposit* 
Small AED 1,000 AED 2,000
Medium AED 1,250 AED 5,000
Large AED 2,000 AED 7,000
X Large AED 2,500 AED 10,000
XX Large AED 3,500 AED 20,000
XXX Large AED 5,000 AED 25,000 
*T&Cs apply

Courier charges
Within same Emirate AED 30
Other Emirates AED 50
Within Gulf countries AED 100
Other countries AED 150
General postage to all countries AED 15

 

Other charges
Ad-hoc Request for statement of account AED 25-per month requested
Cheque photocopy less than one year AED 10 over one year AED 20
Returned cheques charges due to non-sufficient Funds AED 100
Standard cheque books Free first cheque book on opening account; additional cheque book: AED 1 per leaf + courier charges. Subject to a minimum charge of AED 20

 

 

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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