Schedule of Charges

Personal banking Personal banking Personal banking

Charges Classic Plus Select Charges Classic Plus Select Charges Classic Plus Select

Minimum monthly average relationship balance 1/10% (min AED 1/10% (min AED 1/10% (min AED General
Zero balance AED 5000* AED 50000*
(applicable for savings variant) 20, max AED 500 or 20, max AED 500 or 20, max AED 500 or
Minimum monthly salary transfer (applicable for Cash letter items equivalent) equivalent) equivalent) Payment due date (from the statement date) 25 days
< AED 2500 AED 2500 AED 8000
salary variant) AED 15 for post AED 15 for post AED 10 for post Minimum payment due 5% or AED 100 (whichever is higher)
Fee for non-maintenance of balance (applicable
N/A AED 75 per month AED 75 per month Inward clean collection
for savings variant) Cash advance limit 50% of credit limit
Non-receipt of salary for 3 months (applicable AED 105/- per AED 225/- per AED 225/- per 1/8% (min AED 40, 1/8% (min AED 40, 1/8% (min AED 40,
Please Note
for salary variant) quarter quarter quarter Commission max AED 500 or max AED 500 or max AED 500 or
equivalent) equivalent) equivalent) All fees and charges mentioned in this guide are subject to change. Such changes will apply from the effective date
Account opening fee AED 50 Free Free specified by the bank.
Proceeds by DD/MC AED 15 AED 15 AED 10
Account maintenance fee (applicable for savings Annual fee will not be reversed once the card has been used or terminated.
AED 35 monthly Free Free
variant only) Proceeds by TT AED 75 per message AED 75 per message AED 60 per message
Value Account (monthly fee variant) AED 30 per month AED 30 per month AED 30 per month No finance charges (except for cash advances) will be levied in case 100% payment is made on or before the
Cheque returned charges USD 80 equivalent USD 80 equivalent USD 80 equivalent payment due date.
3 transactions 5 transactions
Teller fees (cash deposit, cash withdrawals, AED 10 per per month free; per month free; Cheque purchase Finance charges are levied on all transaction types, calculated from transaction date till repayment date (calculated
internal fund transfer, cheque deposit) transaction thereafter AED 10 thereafter AED 10 on average daily balance method).
1/8% (min AED 40, 1/8% (min AED 40, 1/8% (min AED 40,
per transaction per transaction Commission max AED 500 or max AED 500 or max AED 500 or This Service and Price Guide is applicable with effect from 1st May 2010.
First cheque book First cheque book equivalent FCY) equivalent FCY) equivalent FCY)
Please refer to Terms & Conditions for full details.
Cheque book charge (for 25 leaf cheque book) N/A (5 leaf) free; (5 leaf) free; At agreed rate for At agreed rate for At agreed rate for
thereafter AED 25 thereafter AED 20 Interest
the collect period the collect period the collect period Personal Loans
Cheque returned charges N/A AED 200 AED 200 Postage/courier As per OCC As per OCC As per OCC
Processing fee 1% of total loan amount (minimum AED 1000)
Statement charges Reports
Processing fee - ESP 1.5% of total loan amount
AED 5 for 25 AED 5 for 25 AED 5 for 25 Audit confirmation AED 150 AED 150 AED 150
Request for the copy
transactions, max of transactions, max of transactions, max of Processing fee - retail ordinary loan (ROL) 1% of total loan amount
of statement
AED 20 per request AED 20 per request AED 20 per request TCI report AED 150 AED 150 AED 150
Enhanced credit life insurance (Double Cover) 0.95% of the loan amount (fresh & top-ups)
Request for non-standard statement frequency AED 100 pa AED 100 pa AED 100 pa Other reports AED 150 AED 150 AED 150
Late payment fee AED 300
*Not required for Personal Loan / Credit Cards / Overdraft customers.
Credit/confidential reports
Instalment deferment fee AED 300
Request for the copy of old cheques a) Issued to organisations within UAE Reciprocal basis Reciprocal basis Reciprocal basis
Rescheduling fee Free
Less than 6 months old AED 25 per copy AED 25 per copy AED 20 per copy b) Issued to organisations outside UAE Cost plus AED 15 Cost plus AED 15 Cost plus AED 15
Early settlement fee 5% of total outstanding
Over 6 months old AED 50 per copy AED 50 per copy AED 40 per copy Certification & letters
Early settlement fee top-up 3% of principal outstanding
Account closure (within 6 months) AED 100 AED 100 AED 100 Capital guarantee certificate AED 1000 AED 1000 AED 1000
Advance EMI Nil
Dormant account charges AED 100 per year AED 100 per year AED 100 per year Certificate of balance AED 50 per cert. AED 50 per cert. AED 40 per cert.
Partial payment (in excess of 3 instalments) 5% of payment made
Remittances Liability letter AED 200 AED 200 AED 200
Cancellation fee AED 100
Demand draft (for account holders) AED 30 AED 30 AED 15 No liability letter AED 200 AED 200 AED 200
Liability/no liability letter AED 200
Telegraphic transfer (for account holders) Clearance Letter (* for car loan - first certificate
AED 50 AED 50 AED 50 Auto Loans
free, other copies AED 50 per copy)
Local currency (within UAE) AED 50 AED 50 AED 40
Attestation of signature AED 50 AED 50 AED 45 Processing fee 1% of the total loan amount, AED 1000 minimum payable
Foreign currency to home country and
AED 75 AED 75 AED 60
GCC countries Certificate for issuance of trade licence favouring Early settlement fee 4% of outstanding amount
Foreign currency to other countries AED 90 AED 90 AED 75 Department of Economic Development AED 1000 AED 1000 AED 1000 Auto Protect 1% of the total loan amount
Direct transfer to Bank of Beirut AED 25 AED 25 AED 20 Free zones and others AED 1000 AED 1000 AED 1000 Cheque return fee AED 200
Cancellation of demand draft Free Free Free 0.1% on total 0.1% on total 0.1% on total Late payment fee (Instalment standing order/cheque) AED 300
Additional Telex (e.g. tracer) sent at request of cash deposited/ cash deposited/ cash deposited/
AED 50 AED 50 AED 40 withdrawn, for withdrawn, for withdrawn, for Change in mode of payment (PDC to Direct Debit) Free
customer - UAE
Additional Telex (e.g. tracer) sent at request of Bulk cash deposit & withdrawal at teller counter amounts of AED 1 amounts of AED 1 amounts of AED 1
AED 75 AED 75 AED 70 Change in mode of payment (Direct Debit to PDC) AED 300
customer - others million and above; million and above; million and above;
Cancellation of remittance instruction/ recalling max charge of max charge of max charge of Change in PDCs AED 300
AED 100 AED 100 AED 80 AED 5000 AED 5000 AED 5000
of funds remitted
Issue of IPO/rights issues by order AED 100 AED 100 AED 100 Liability letter/no liability letter AED 200
Swift message copy AED 25 AED 25 AED 20
Safe deposit lockers Deferment AED 300
Inward remittances
Rentals per annum Temporary release of mortgage AED 200
If deposited in beneficiary's account Free Free Free
Small AED 200 AED 200 AED 150 Clearance letter First free, AED 200 for extra copy
Standing instructions
Medium AED 400 AED 400 AED 300 Change of registration AED 200
Setup charges AED 50 AED 50 AED 40
Partial payment (only valid for 3 and above instalments) 4% of payment made
Periodic payments (per transaction) Free Free Free Large AED 800 AED 800 AED 650
Rescheduling fee AED 200
Amendment charges AED 25 AED 25 AED 20 Extra-large AED 1200 AED 1200 AED 1000
Over-size AED 1500 AED 1500 AED 1250 Home Loans
Failed standing instruction AED 50 AED 50 AED 40
Key deposit AED 3000 AED 3000 AED 2500 Processing fee 1% of the total loan amount, AED 5000 minimum payable
Balance order AED 240 pa AED 240 pa AED 180 pa
Replacement of lock/key Actual Actual Actual Application fee (prior to identifying a property) AED 1000
Debit card charges
Other services Property insurance 0.05% per annum on the sum assured
Type of card Visa Debit Classic/Visa Debit Youth
Hold mail Free Free Free Borrower's life insurance 0.40% per annum of the outstanding loan amount
Annual fee Free
Holding undelivered mail AED 100 pa AED 100 pa AED 100 pa Late payment fee AED 500
Debit card replacement fee AED 50
Investigations Within 1 year AED 50 Within 1 year AED 50 Within 1 year AED 50 Loan cancellation fee Processing Fee non-refundable
Foreign currency transaction fee 2.5%
T.C. purchase AED 20 AED 20 AED 20 No liability letter AED 200
Copy of sales voucher AED 50
Postage (to be recovered in all cases where mailing is required as part of a transaction) Liability letter AED 200
Usage fee in UAE at Emirates NBD ATMs
UAE AED 20 minimum AED 20 minimum AED 15 minimum Prepayment fee - top up loan 1% of outstanding amount
Cash withdrawal/deposit Free
Other AED 40 minimum AED 40 minimum AED 30 minimum Prepayment fee - own sources 2% of amount prepaid if within the first two years, thereafter 1%
Balance enquiry Free
Faxes Prepayment fee - settlement from another financer 3% of outstanding amount
Mini-statement Free
UAE AED 10 per page AED 10 per page AED 10 per page Change of product scheme 1% of outstanding amount
Utility payment Free
Other AED 20 per page AED 20 per page AED 15 per page Rescheduling fee Free
Usage fee on non-Emirates NBD (UAE Switch) ATMs
Courier Change in Security AED 2,000
Cash withdrawal AED 2
UAE AED 50 minimum AED 50 minimum AED 40 minimum Change in Borrower/Property ownership details AED 2,000
Balance enquiry AED 1
Other AED 150 minimum AED 150 minimum AED 125 minimum Copies of Property related documents AED 100 per instance per document requested
Declined transaction AED 1
In Arab Gulf cooperation countries at GCC Net ATMs Telex/cable/SWIFT messages (based on the length of the message) Office Loans

Cash withdrawal AED 6 UAE AED 50 minimum AED 50 minimum AED 45 minimum Processing fee 2% of the total loan amount

Balance enquiry AED 3 Other AED 75 minimum AED 75 minimum AED 60 minimum Application fee (prior to identifying a property) AED 1000
AED 250 per article AED 250 per article AED 200 per article Property insurance 0.05% per annum on the sum assured
International ATMs (outside UAE) Safe custody charges per annum per annum per annum
Cash withdrawal 1% with minimum of AED 20 Borrower's life insurance 0.40% per annum of the outstanding loan amount
Payroll Processing
Balance enquiry Free (if available) Late payment fee AED 500
Counter smartBUSINESS
Products
Services (manual upload) (online upload) Loan cancellation fee Processing fee non-refundable

Special clearing - outward AED 100 AED 100 AED 90 Flat Fee: Soft copy - Flat Fee: No liability letter AED 200
Salary Payment
AED 200 per file AED 100 per file
Special clearing - inward (proceeds by Liability letter AED 200
N/A AED 100 AED 90 Soft copy - AED 2
manager's cheque) Salary Payments - Emirates NBD Current & Savings accounts Free
Special clearing - inwards (proceeds through per transaction Prepayment fee - top-up loan 2% of outstanding amount
N/A AED 100 AED 90
UAE Central Bank) Prepayment fee - own sources 2% of amount prepaid
Salary Payments - Emirates NBD Salary Prepay Cards Free Free
Stop payment charge (per instruction)
Soft copy - AED 5 AED 2 Prepayment fee settlement from another bank 3% of outstanding amount
For cheque/demand draft/manager's cheque (up Salary Payments - Non-Emirates NBD
Free Free Free per transaction per transaction
to 3 leaves/unit) Change of product scheme 1% of outstanding amount
For cheque/demand draft/manager's cheque Funds Transfers to Exchange houses
Free Free Free AED 500 N.A. Rescheduling fee Free
(greater than 3 leaves/unit) (for Salary Payments via WPS)

Foreign currency Change in Security AED 2,000

Credit card service and price guide
Foreign currency cash deposit 1% (min AED 10) 1% (min AED 10) 1% (min AED 5) Finance charges Finance charges per Change in Borrower/Property ownership details AED 2,000
Primary card Annual fee (AED) per month* (retail month Copies of Property related documents AED 100 per instance per document requested
Foreign currency cash withdrawal 1% (min AED 10) 1% (min AED 10) 1% (min AED 5) purchase) (cash advance)
Post-dated cheques Silver/Dnata Silver/DIC 150/250/200 2.99% 2.99% Investments & Bancassurance

Extension of due date AED 25 AED 25 AED 20 Gold/Dnata Platinum 400/500 2.99% 2.99% Structured notes:

Substitution of cheque with cash AED 25 AED 25 AED 20 Platinum 700 2.69% 2.99 % Subscription/redemption Free

Post-dated cheques deposited for collection AED 25 AED 25 AED 20 Infinite 1500 2.19% 2.19% Exit penalty if redeemed/sold before maturity*

Letters of encashment 1/8% per month 1/8% per month 1/8% per month Emirates NBD Business Card 550 2.19% 2.19% 1st year 3%
Minimum 1/4% or Minimum 1/4% or Minimum 1/4% or Emirates NBD Skywards Infinite Card 1500 2.99% 2.99% 2nd year 2%
Cheque certification AED 100, whichever AED 100, whichever AED 100, whichever
is higher is higher is higher Emirates NBD Skywards Platinum Card 700 2.99% 2.99% 3rd year 1%
Post-dated cheques for presentation on AED 10 per AED 10 per AED 10 per
Supplementary Card Free Bid offer spread 2%
due date instrument instrument instrument
If PDC withdrawn before maturity, an additional AED 10 per AED 10 per AED 10 per * Finance charges are subject to increase by 1% in case the cardholder is one or more payments overdue. Original finance charge rates will be re- Third-party products**
instated when all overdue payments have been made. Universal Investment Plan, Guaranteed Index Plan,
charge will be levied instrument instrument instrument
Other fees and charges Super Saver, Lifeline, Futura, Twin Invest, Takaful &
Outward clean collections
Savings Programme, Protection Plus, Health Plus, Please refer to respective product brochures and policy documents
Cash advance fee 3% or AED 75 (whichever is higher) Income Builder Plans, Smart Assure, Global Savings
Standard collections
Account, Global Protection Account, International
Over limit fee AED 170
Commission Free Free Free Term Assurance, International Wealth Account
Late payment fee AED 170
Cheque return Cheque return Cheque return *Indicative only, the exit penalty on structured notes if sold before maturity depends on the product terms and can be referred to
OCC return charges
charges: AED 50 charges: AED 50 charges: AED 50 Foreign currency transaction fee 2.75% in the product term sheet.
AED 50 - AGCC AED 50 - AGCC AED 45 - AGCC **The charges for these products and other new third-party products launched by Emirates NBD are levied by the respective
Card replacement fee AED 20
product issuers and are subject to change from time to time. Please refer to the respective product brochures and key features
Courier charges AED 80 - others AED 80 - others AED 75 - others document for a complete list of these charges.
Cheque and direct debit return fee AED 100
AED 15 for post AED 15 for post AED 10 for post General Conditions:
Copy of sales voucher AED 10 1. All fees and charges mentioned in this guide are subject to change without notice. Updated tariff will be available on the
Duplicate statement fee (per copy) bank's website www.emiratesnbd.com
- up to last 3 months AED 15 per month 2. Any fees listed in this guide apply to normal transactions. The bank reserves the right to levy additional charges for services at
- over 3 months AED 50 per month its sole discretion.
0.80% of the outstanding balance at billing cycle 3. Charges for any services not mentioned in this booklet will be available on request.
Credit Shield (free for the first 2 months) 4. These charges are effective from 1st January 2011.