SCHEDULE OF FEES

adcb.com

SCHEDULE

OF FEES

PERSONAL BANKING

Ver.13/November2018

All fees are inclusive of 5% VAT, where applicable.

Current

Account

Savings

Account

Call

Account

Account Opening Amount

AED AED 5,000 AED 5,000 AED 5,000

USD USD 1,500 USD 1,500 USD 1,500

Other relevant

currency

USD 1,500

equivalent

USD 1,500

equivalent

USD 1,500

equivalent

Fixed Deposits

Minimum deposit amount:

- In local currency

- In other currency

AED 5,000

USD 1,500 or equivalent

Interest payment on premature withdrawal of xed deposits: In the event of a withdrawal

before the end of a particular tenure, interest will be computed at 1% p.a. less than the

interest rate that is applicable for the actual tenure, and will be payable for the actual number

of days the xed deposit has been maintained, unless provided otherwise in any applicable

supplemental terms and conditions of a specic xed deposit product.

Aspire - Monthly Relationship Fees

Tier Criteria Fees

Tier 1

Total Relationship Balance

of AED 20,000

or more

Salary Transfer

of AED 15,000 or more

Salary Transfer

of AED 5,000-14,999

with ADCB Credit Card/Overdraft/Loan

Free

Tier 2

Salary Transfer

of AED 5,000-14,999

without ADCB Credit Card/Overdraft/Loan

Salary Transfer

of less than AED 5,000

AED 25

Tier 3

All other Aspire Customers who have

an account and do not fall under

Tier 1 or Tier 2

AED 100

1 Total relationship balance includes xed deposits/market value of investment holdings,

current/savings/call (CASA) monthly average balance.

2 Salary transfer means the salary is transferred to any ADCB account by direct credit.

Salary transfer does not include cash or cheque salary transfers.

SCHEDULE OF FEES

Eective 1

February, 2019.

Privilege Club Eligibility Criteria and Relationship Based Fees

Criteria

Monthly Fee for

not maintaining

criteria

Total Relationship Balance

of AED 200,000 or more

Salary Transfer

of AED 20,000 or more

Mortgage Loan of AED 1 Million or more

AED 150

Excellency Eligibility Criteria

and Relationship Based Fees

Criteria

Monthly Fee for

not maintaining

criteria

Maintain a total relationship balance

of AED 500,000

AED 200

* The above eligibility criteria are indicative only. ADCB is entitled, at its sole discretion, to

approve/decline a customer’s application to Excellency.

1 Total relationship balance includes xed deposits/market value of investment holdings,

current/savings/call (CASA) monthly average balance.

2 Salary transfer means the salary is transferred to any ADCB account by direct credit.

Salary transfer does not include cash or cheque salary transfers.

3 Total Relationship Balance can be maintained across Current accounts, Savings accounts,

Call accounts, Fixed Deposits, Investments at market value and ADCB Securities Portfolio

at market value.

Active Saver/Active Saver Plus Accounts

Product Details Fees

Branch Teller Transactions

• Cash Withdrawals

• Funds Transfer within ADCB

• Cash/Cheque Deposits

• Outward Remittance

- Central Bank Transfers

- UAE Telex/Swift

charges (all other

countries)

- Cancellations/Amendments

AED 52.50

Free

AED 5.25

AED 78.75

AED 31.50

ADCB Personal Internet Banking

• Credit Card Bill Payment

• Funds Transfer within ADCB

• Outward Remittance

- Central Bank Transfers

- UAE Telex/Swift charges (all other

countries)

Free

One free per month,

thereafter AED 1.05

per transaction

One free per month,

thereafter AED 21

per transaction

Inward Remittance

• Credit to Account in AED

• Foreign currency Credit to

Account in AED

Free

AED 10.50

* The above charges are for ‘SHARED’ option only at the bank counter or on ADCB Personal

Internet Banking/Mobile App. The receiving or intermediary banks may deduct additional

charges, if applicable. If you have opted for ‘OUR’ option, an additional corresponding

bank charge of AED 105 for foreign currency fund transfers or AED 1.05 for local currency

(AED) fund transfers will apply at the bank counter or on ADCB Personal Internet Banking/

Mobile App. If the commissions, fees or other charges are passed on to the Bank by the

correspondent or the beneciary bank, then the Bank may debit such amounts from your

account with the Bank post the funds transfer.

The cheque charges are only applicable to accounts having chequebook facility.

Account Services Aspire

Privilege

Club

Excellency

Chequebooks (25 leaves)

1 free

chequebook per

year. Additional

chequebooks

will be charged

at AED 52.50

per chequebook

3 free

chequebooks

per quarter.

Additional

chequebooks

will be charged

at AED 52.50

per chequebook

Free

Cheques returned (per instrument/

cheque)

AED 241.50 AED 241.50 AED 241.50

UAEDDS Paying Bank Charge:

• Direct Debit request return due to

insucient funds

AED 26.25 AED 26.25 AED 26.25

Stop payment (per instrument/cheque)

AED 105 AED 105 AED 105

Cheque photocopy:

• Cheque issued less than 1 year ago

• Cheque issued more than 1 year ago

AED 10.50

AED 21

AED 10.50

AED 21

Free

Post dated cheques for collection

(per instrument/cheque):

• Collection

• Withdrawal of cheque

AED 15.75

AED 52.50

AED 15.75

AED 52.50

AED 15.75

AED 52.50

Cash deposit/withdrawal in relevant

foreign currency

0.525% (at)

or minimum

AED 26.25 or

equivalent

0.525% (at)

or minimum

AED 26.25 or

equivalent

0.525% (at)

or minimum

AED 26.25 or

equivalent

Teller services including Cash/Cheque

withdrawals or deposits

AED 52.50 Free Free

Counter Cheques - cash withdrawal

AED 52.50 Free Free

Statement of Account (per cycle)/

Estatement

Free Free Free

Statement of Account (outside the cycle)

AED 26.25

per month

AED 26.25

per month

Free

Utility bill payment through:

• Teller counter

• Mobile App/Personal Internet

Banking/SMS Banking/IVR/ATM

AED 52.50

Free

Standing instructions:

• Setting up of Standing Instruction

• Amendment/Cancellation

• Favouring other banks

• Penalty fee for insucient funds

AED 52.50

Free

AED 52.50

AED 105

Free

AED 52.50

AED 105

Free

AED 105

Account closure

AED 105 AED 105 AED 105

Other Banking Services Aspire

Privilege

Club

Excellency

Account balance letter

AED 52.50 AED 52.50 Free

No liability certicate

AED 63 AED 63 Free

Release letter

AED 52.50 AED 52.50 Free

Liability letter issued to government

departments/embassies

AED 63 AED 63 Free

Liability letter issued to nancial

institutions

AED 63 AED 63 Free

* The above charges are for ‘SHARED’ option only at the bank counter or on ADCB Personal

Internet Banking/Mobile App. The receiving or intermediary banks may deduct additional

charges, if applicable. If you have opted for ‘OUR’ option, an additional corresponding

bank charge of AED 105 for foreign currency fund transfers or AED 1.05 for local currency

(AED) fund transfers will apply at the bank counter or on ADCB Personal Internet Banking/

Mobile App. If the commissions, fees or other charges are passed on to the Bank by the

correspondent or the beneciary bank, then the Bank may debit such amounts from your

account with the Bank post the funds transfer. For Xpress Money transfers, charges as

displayed on screen are levied by Xpress Money for the services provided.

** First 6 transactions per month are free.

Remittances Aspire

Privilege

Club

Excellency

Inward remittances:

• Remittances in UAE

Dirhams:

- Credit to account (in AED)

•

Remittances in foreign

currency:

- Credit to account (in AED)

- Credit to account (in the

same foreign currency)

Free

AED 10.50

Free

Outward remittances*:

• Central Bank transfers

• UAE Telex/SWIFT charges

GCC countries/All other

countries

• Cancellations/amendments

AED

5.25

AED

78.75

AED

31.50

AED

1.05

AED

5.25

AED

31.50

AED

31.50

AED

1.05**

AED

21**

AED

5.25**

AED

21**

AED

31.50**

AED

1.05**

AED

21**

Swift Copy Charges

AED 15.75 AED 15.75 AED 15.75

Drafts/Banker’s Cheque:

• Issuance

• Stop payment

AED 52.50

Free

AED 42

Transactions with Mumbai and Bangalore Branches Fees

• Draft:

- Favouring ADCB Mumbai/Bangalore Branches

- Favouring any other bank

AED 21

AED 26.25

• Telegraphic transfers in INR:

- Favouring an account with ADCB

- Favouring ADCB xed deposit, paid in AED

- Favouring beneciaries elsewhere in India

AED 26.25

AED 78.75

• In AED/USD/GBP/JPY/EUR:

- Favouring an account with ADCB

- Favouring ADCB FCNR deposit, if paid in AED

AED 52.50

AED 26.25

• Favouring ADCB FCNR deposit, if paid in USD, GBP, JPY or EUR:

- If paid in same currency

- If paid in other currencies

AED 26.25

Bank

counter

Bank

counter

Bank

counter

ADCB

Personal

Internet

Banking/

Mobile App

ADCB

Personal

Internet

Banking/

Mobile App

ADCB

Personal

Internet

Banking/

Mobile App

Debit Card

Aspire

Privilege

Club

Excellency

Debit Card issuance:

- Primary Card/

Supplementary Card

- Additional Supplementary

Debit Card

- Debit Card replacement

(lost/stolen/damaged)

Free

AED 26.25

Free

AED 26.25

Free

Usage fee in UAE at ADCB ATMs:

- Cash withdrawal

- Denial

- Inquiry

- Cash deposit

- Funds transfer

(within same CID)

Free

Usage fee in UAE at Non-ADCB

ATMs (UAE Switch):

- Cash withdrawal

- Denial

- Inquiry

AED 2.10

6 Free

transactions

per month,

AED 2.10 per

additional

transaction

AED 2.10

6 Free

transactions

per month,

AED 2.10 per

additional

transaction

Free

Usage fee in Arab Gulf

Co-operation Countries

(GCC Switch ATMs):

- Cash withdrawal

- Inquiry

AED 6.30

AED 3.15

2 free

transactions

per month,

AED 6.30 per

additional

transaction

2 free

transactions

per month,

AED 3.15 per

additional

transaction

4 free

transactions

per month,

AED 6.30 per

additional

transaction

4 free

transactions

per month,

AED 3.15 per

additional

transaction

Usage fee at international ATMs

i.e. outside UAE and GCC:

- Cash withdrawal

AED 21 AED 21 AED 21

Other charges:

- Foreign Currency transaction

margin

- Copy of sales slip

AED 26.25

The above charges are also applicable for Etihad Guest Above Debit Cards issued under

the respective categories.

Credit Cards

Fees and Charges Aspire

Privilege

Club

Excellency

Annual Membership fee:

• TouchPoints Innite Card

• Etihad Innite Card

• Etihad Platinum Card

• Traveller World Card

• LuLu Platinum Card

• TouchPoints Platinum Card

• Titanium/Gold/Classic/Standard

Card (all)

• Business Card

- Supplementary Cards (Business)

- Supplementary Cards (other cards)

Not

Applicable

AED 2,625

AED 1,050

Free

AED 630

Free

AED 208.95

AED 103.95

Free

Not

Applicable

AED 2,625

AED 525

AED 1,050

Free

AED 315

Free

AED 208.95

AED 103.95

Free

AED 1,312.50

Free

AED 1,050

Free

AED 208.95

AED 103.95

Free

Finance charges (per month)

3.25% (retail purchase)

3.50% (cash advance)

Up to 1.50% (Balance Transfer/

Credit Card Loan/Installment Plans)

Overlimit fee

AED 288.75

Late Payment fee

AED 241.50

Cash Advance fee

3.15% or AED 105 (whichever is higher)

Credit Shield fee

1.0395% (of outstanding at billing cycle)

Foreign Currency transaction

margin

0% (for Traveller card)

2.99% (other cards)

Exchange House Payment fee

AED 5.25 (per transaction)

Duplicate Statement fee

AED 26.25

Paper Statement fee

AED 5.25 (per month)

Returned cheque charge

AED 157.50

Outstation cheque processing charge

AED 21

Copy of sales voucher

AED 26.25

Temporary Credit Limit Increase fee

AED 52.50

Foreclosure fee (Balance Transfer/Credit

Card Loan/Installment Plans)

AED 210

Processing fees - 0% Interest Payment

Plans at participating merchants and

Credit Card Loans

AED 52.50

Card Replacement fee

AED 78.75

Payment due date (from statement date

25 days

Minimum payment due

5% or AED 100 (whichever is higher)

Cash advance limit

60% of credit limit

Liability/no liability letter charge

AED 52.50

Please note

No nance charge will be levied (excluding cash advances) in case 100% payment is made on or before

payment due date. Finance charges are levied on all transaction types, calculated on daily closing balance

from transaction date till repayment date. All fees and charges mentioned in this guide are subject to change

without notice and are applicable on each Credit Card held. No refund of annual fees will be made if the

Credit Card is cancelled. Additional expenses, eg: postage, cable, courier, fax, legal fees, etc. will be charged

for where incurred. Charges for services not indicated in this guide are available on request. For any enquiries

on fees, charges, interest rates, etc. please call 600 50 2030. Other terms and conditions apply. The details on

this Service and Price Guide are applicable with eect from 1

August 2018 and include all existing charges and

revisions made prior to this date.

Loans

Aspire

Privilege

Club

Excellency

Mortgage Loans

Processing fees (of the

loan amount capped at

AED 52,500)

1.05% of loan

amount

1.05% of loan

amount

1.05% of loan

amount

Property swaps

administration fee

AED 1,386 AED 1,386 AED 1,386

Property Insurance

0.042% per year

on property value

0.042% per year

on property value

0.042% per year

on property value

Life Insurance

0.0525% per

month on

outstanding loan

amount

0.0525% per

month on

outstanding loan

amount

0.0525% per

month on

outstanding loan

amount

Life or Property Insurance

assignment fee

AED 5,250 AED 5,250 AED 5,250

Clearance letter

AED 89.25 AED 89.25 AED 89.25

Issuance of No Objection

Certicate (NOC)

AED 89.25 AED 89.25 AED 89.25

Request of Other Letters

AED 89.25 AED 89.25 AED 89.25

Valuation Fees* -

Apartments and Villas

AED 3,150 AED 3,150 AED 3,150

Valuation Fees* -

Construction Loans

AED 5,250 AED 5,250 AED 5,250

Early settlement fees/

Partial settlement fees

3.15% of settled amount

Switch fees, if applicable

Upto 1.05% of loan outstanding

Mortgage loan liability letter

AED 89.25 AED 89.25 AED 89.25

Loan account statement

Free Free Free

Delayed payment penal fees

3.15% of delayed amount.

Maximum AED 735 per month

Other Certicate

AED 78.75 AED 78.75 AED 78.75

Non-standard statement

production/copy of original

documentation

AED 105 AED 105 AED 105

Personal Loans

Processing fees - fresh and buy out loans

1.05% of loan amount.

Minimum AED 525

Processing fees - top ups

1.05% of top up loan amount.

Minimum AED 525

Processing fees - Privilege Club and

Excellency clients

1.05% of loan amount.

Minimum AED 525

Credit life insurance

Up to 1.05% of the loan amount

Early settlement fees/ Partial settlement

fees

1.05% of settled amount.

Maximum AED 10,500

Deferment of installment

AED 105 per deferment

Delayed payment penal fees

2.10% of the delayed amount.

Minimum AED 52.50 and maximum

AED 210 per month

Loan rescheduling fee

AED 262.50

Loan cancellation fee

AED 105

Other document (loan copy, issuing

redemption statement, audit conrmation

etc.) requested by customers

AED 26.25

* Maximum applicable for every instance of valuation.

Smart Loans/End use Loans

Processing fees (Salaried)

1.05% of loan amount.

Minimum AED 525

Credit Life Insurance

Up to 1.05% of loan amount

Early settlement fees/Partial settlement

fees

1.05% of settled amount.

Maximum AED 10,500

Replacement of existing post

dated cheques/standing instructions/

repayment account

Free

Change of due date on standing

instructions

AED 26.25

Delayed payment penal fees

2.10% of the delayed amount.

Minimum AED 52.50 and maximum

AED 210 per month

Loan cancellation fee

AED 105

Revolving Overdrafts

Revolving overdrafts fee

AED 210 (Nil for Privilege Club and

Excellency clients)

Minimum interest on overdraft

AED 50

Auto Loans

Processing fees

1.05% of loan amount.

Minimum AED 525

Early settlement fees/Partial settlement

fees

1.05% of settled amount

NOC to Trac Department

Free

Replacement of existing post

dated cheques/ standing instructions/

repayment account

AED 105

Advance payment of installment

1.05% of the advanced payment

Change of due date on standing

instructions

AED 52.50

Loan rescheduling fee

AED 262.50

Late payment penal fees

2.10% of the delayed amount.

Minimum AED 52.50 and maximum

AED 525 per month

Loan Liability Letter

AED 63 (Nil for Excellency customers)

(Nil in case of settlement caused by loss

due to accident/theft)

Release of Term Deposit which is

pledged against auto loan account

Free

Mortgage release letter

Free

Installment deferment charges

AED 105

Cancellation fee

AED 105

Contact Centre Numbers

Aspire 600 50 2030

Privilege Club 600 50 8008

Excellency 600 50 2004

)

• Interest will not be paid if amount is less than: AED 15 or USD 5

equivalent per month for Savings/Call Account except for Active Saver/

Active Saver Plus Accounts

• Postal charges as applicable

• For all applicable fees and charges, please visit adcb.com

• Foreign Currency transaction margin is levied on the wholesale foreign

exchange market rate (including any processing fee) that is selected

and applied by card scheme provider on the date of conversion.

Notes

Product Return Policy

Eective 26

July, 2015

Product return policy applies to Personal Loans/Personal Finances, Smart

Loans/Smart Finances, Auto Loans/Auto Finances, Overdraft Facilities/Salary

Advance Facilities, Credit Cards (Conventional and Islamic) and all CASA

Accounts (Conventional and Islamic). The terms and conditions are as follows:

• The customer must apply for the ‘Product Return’ through the Branch,

Contact centre or in writing to [email protected] within 7 working days

of the loan disbursal or within 30 days of account opening or 30 days from

credit card set up.

• For new Personal Loans, Smart Loans and Auto Loans, the facility to return

will result in the loan being cancelled and all fees and charges refunded to

the customer and accrued interest being reversed.

• For ‘Top up’ loans, the fees and charges will be reversed and the disbursed

amount will be applied towards reducing the principal amount of the loan.

• For Overdrafts, the facility will be cancelled and any fees will be reversed.

• For Credit Cards, any fees and charges applied will be reversed but any

usage on the card has to be repaid in full. Usage of the Card refers to Retail

Transactions, Cash Advances, Balance Transfer or Credit Card Loans.

• For account closure, fees and charges will be waived if the account is

closed within 30 days from opening.

• ADCB shall not bear any responsibility whatsoever in connection with the

exercise of the product return option by the customer.