CB Sof Current Charges Fees
CB Sof Current Charges Fees
CB Sof Current Charges Fees
SCHEDULE
OF FEES
adcb.com
SCHEDULE OF FEES
Effective 1st November, 2023.
Fixed Deposits
1
Privilege Club Eligibility Criteria and Relationship Based Fees
Monthly Fee for
Criteria not maintaining
criteria
Total Relationship Balance1
of AED 200,000 or more
OR
AED 150
Salary Transfer2 of AED 20,000 or more
OR
Mortgage Loan of AED 1 Million or more
* The above eligibility criteria are indicative only. ADCB is entitled, at its sole discretion, to
approve/decline a customer’s application to Excellency.
2
Active Saver/Active Saver Plus Accounts
* For ‘OUR ‘ option transfers the correspondent bank will not deduct their charges from the
amount remitted but will claim the same from ADCB.
Note:
• For transactions not explicitly mentioned above, charges will apply as per Account
Services section and other sections mentioned in the schedule of fees.
• Charges mentioned here in AED may be collected in equivalent foreign currency where
applicable.
• Any commissions, fees or other charges passed on to ADCB by the correspondent bank
(applicable only for ‘SHA’ option transfers), intermediary bank and beneficiary bank may
be debited from your account with ADCB upon receipt of the claim.
• Correspondent Bank, Intermediary Bank and Beneficiary bank deductions are estimated
in the range of USD 0 – 50 and may vary based on the amount transferred.
3
Privilege
Account Services Aspire Excellency
Club
Chequebooks (10 leaves)* 3 free 8 free Free
chequebooks chequebooks
per year. per quarter.
Additional Additional
chequebooks chequebooks will
will be charged be charged
at AED 52.50 per at AED 52.50 per
chequebook chequebook
Chequebooks (25 leaves) 1 free 3 free Free
chequebook per chequebooks
year. Additional per quarter.
chequebooks Additional
will be charged chequebooks will
at AED 52.50 per be charged at
chequebook AED 52.50
per chequebook
Cheques returned (per instrument/ AED 241.50 AED 241.50 AED 241.50
cheque)
UAEDDS Paying Bank Charge:
• Direct Debit request return due to AED 26.25 AED 26.25 AED 26.25
insufficient funds
Stop payment (per instrument/
AED 105 AED 105 AED 105
cheque)
Cheque photocopy:
• Cheque issued less than 1 year ago AED 10.50 AED 10.50 Free
• Cheque issued more than 1 year ago AED 21 AED 21 Free
Post dated cheques for collection
(per instrument/cheque):
• Collection AED 15.75 AED 15.75 AED 15.75
• Withdrawal of cheque AED 52.50 AED 52.50 AED 52.50
Cash deposit/withdrawal in relevant 0.525% (flat) 0.525% (flat) 0.525% (flat)
foreign currency or minimum or minimum or minimum
AED 26.25 or AED 26.25 or AED 26.25 or
equivalent equivalent equivalent
Teller services including Cash/ AED 52.50 Free Free
Cheque withdrawals or deposits
Counter Cheques - cash withdrawal AED 52.50 Free Free
Foreign Currency Cheque collection AED 692 or AED 692 or AED 692 or
equivalent equivalent equivalent
Statement of Account (per cycle)/ Free Free Free
Estatement
Statement of Account (outside the AED 26.25 AED 26.25 Free
cycle) per month per month
Utility bill payment through:
• Teller counter AED 52.50 Free Free
• Mobile App/Personal Internet Free Free Free
Banking/SMS Banking/IVR/ATM
Standing instructions:
• Setting up of Standing Instruction AED 52.50 Free Free
• Amendment/Cancellation Free Free Free
• Favouring other banks AED 52.50 AED 52.50 Free
• Penalty fee for insufficient funds AED 105 AED 105 AED 105
Account closure AED 105 AED 105 AED 105
Privilege
Other Banking Services Aspire Excellency
Club
Account balance letter AED 52.50 AED 52.50 Free
No liability certificate AED 63 AED 63 Free
Release letter AED 52.50 AED 52.50 Free
iability letter issued to government
L AED 63 AED 63 Free
departments/embassies
iability letter issued to financial
L AED 63 AED 63 Free
institutions
The cheque charges are only applicable to accounts having chequebook facility.
* For New To Banking customers as per regulations.
4
Safe Deposit Locker (SDL)
Un-assisted Locker N/A AED 3,150 AED 4,200 AED 6,300 N/A
Assisted Locker AED 787.5 AED 1,050 AED 1,575 AED 2,100 AED 3,150
* SDL rental charges effective 1st January, 2018. Special pricing for Private, Excellency,
Emirati Excellency, Privilege Club and Emirati accounts.
Privilege
Funds Transfer Aspire Excellency
Club
Remittance Processing Charges -
Branches:
• Transfers within ADCB accounts Free Free Free
• AED Transfers within UAE (Central Bank AED 0.50 AED 0.50 AED 0.50*
Transfers)
• All Other Transfers - SWIFT/Telex (all AED 78.75 AED 31.50 AED 21*
transfers outside UAE and FCY within
UAE)
Remittance Processing Charges - ADCB
Personal Internet Banking/Mobile App:
• Transfers within ADCB accounts Free Free Free
• AED Transfers within UAE (Central Bank AED 0.50 AED 0.50* AED 0.50*
Transfers)
• All Other Transfers - SWIFT/Telex (all AED 21 AED 21* AED 21*
transfers outside UAE and FCY within
UAE)
5
Debit Card
Privilege
Aspire Excellency
Club
Debit Card issuance:
- Primary Card/ Free Free Free
1st Supplementary Card
- Additional Supplementary Free Free Free
Debit Card
- Debit Card replacement AED 26.25 AED 26.25 Free
(lost/stolen/damaged)
Other charges:
- Foreign Currency transaction 2% 2% 2%
margin
- Foreign transaction fee 1.05% 1.05% 1.05%
(AED currency)
- Copy of sales slip AED 26.25 AED 26.25 AED 26.25
The above charges are also applicable for Etihad Guest Above Debit Cards issued under
the respective categories.
6
Credit Cards
Privilege Excellency/
Fees and Charges Aspire Club/ Emirati
Emirati Excellency
Annual Membership fee:
• TouchPoints Infinite Card AED 1,050 AED 1,050 AED 525
• Betaqti World Elite Card AED 2,100 AED 2,100 AED 2,100
(exclusively for UAE Nationals)
• ALL - ADCB Infinite Card AED 1,575 AED 1,575 AED 1,575
• Etihad Infinite Card AED 2,625 AED 2,625 AED 1,312.50
• ALL - ADCB Signature Card AED 1,050 AED 1,050 AED 1,050
• Etihad Signature Card AED 1,050 AED 525 Free
• Etihad Platinum Card AED 525 AED 262.5 Free
• Traveller World Card AED 1,050 AED 1,050 AED 1,050
• LuLu Platinum Card Free Free Free
• TouchPoints Platinum Card AED 630 AED 315 Free
(First year free)
• Titanium/Gold/Classic/Standard Free Free Free
Card (all)
• 365 Cashback Platinum Card AED 383.25 AED 383.25 AED 383.25
(First year free)
• talabat ADCB Platinum Card Free Free Free
• Business Card AED 208.95 AED 208.95 AED 208.95
- Supplementary Cards (Business) AED 103.95 AED 103.95 AED 103.95
- Supplementary Cards (Betaqti) AED 1,050 AED 1,050 AED 1,050
- Supplementary Cards (other cards) Free Free Free
- Supplementary Cards (ALL - ADCB AED 262.50 AED 262.50 AED 262.50
Infinite cards)
Finance charges (Retail purchase) 3.69% per month
7
Fees and Charges
Please note
No finance 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. 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. Bank will give customers notice before any changes in fees and
charges mentioned in this guide, as per applicable laws and regulations. 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 effect from 23rd July 2023 and include
all existing charges and revisions made prior to this date.
8
Loans
Privilege
Aspire Excellency
Club
Mortgage Loans
Processing fees 0.7875% 0.7875% 0.525%
(capped at AED 52,500)
Property swaps AED 1,386 AED 1,386 AED 1,386
administration fee
Property Insurance 0.042% per year 0.042% per year 0.042% per year
on property value on property value on property value
Life Insurance 0.0184% per 0.0184% per 0.0184% per
month on month on month on
outstanding loan outstanding loan outstanding loan
amount amount amount
Life or Property Insurance AED 5,250 AED 5,250 AED 5,250
assignment fee
Clearance letter AED 89.25 AED 89.25 AED 89.25
Issuance of No Objection AED 89.25 AED 89.25 AED 89.25
Certificate (NOC)
Request of Other Letters AED 89.25 AED 89.25 AED 89.25
Valuation Fees* - AED 3,150 AED 3,150 AED 3,150
Apartments and Villas
Valuation Fees* - AED 5,250 AED 5,250 AED 5,250
Construction Loans
Early settlement fees/ Free up to 30% of the loan outstanding per annum
Partial settlement fees Beyond that: 1.05% of amount being settled or
AED 10,500, whichever is lower
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 Certificate AED 78.75 AED 78.75 AED 78.75
Non-standard statement AED 105 AED 105 AED 105
production/copy of original
documentation
Personal Loans
Processing fees - fresh and buy out loans 1.05% of loan amount. Minimum AED 525
and maximum AED 2,625
Processing fees - top ups 1.05% of loan amount. Minimum AED 525
and maximum AED 2,625
Processing fees - Privilege Club and 1.05% of loan amount. Minimum AED 525
Excellency clients and maximum AED 2,625
Credit life insurance 0.0168% × loan amount ×
loan tenure in months
Early settlement fees/ Partial settlement 1.05% of settled amount.
fees 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 AED 26.25
redemption statement, audit confirmation
etc.) requested by customers
9
Retail Business Loans
Processing fees 1.05% of loan amount. Minimum AED 525
and maximum AED 2,625
Credit life insurance 0.0197% × loan amount ×
loan tenure in months
Early settlement fees 1.05% of settled amount.
Maximum AED 10,500
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
Change of due date on standing AED 26.25
instructions
Revolving Overdrafts
Revolving overdrafts fee AED 210 (Nil for Privilege Club and
Excellency clients)
10
Auto Loans
Processing fees 1.05% of loan amount.
Minimum AED 525
Early settlement fees/Partial settlement 1.05% of settled amount
fees
NOC to Traffic Department Free
Replacement of existing post AED 105
dated cheques/ standing instructions/
repayment account
Advance payment of installment 1.05% of the advanced payment
Change of due date on standing AED 52.50
instructions
Loan rescheduling fee AED 262.50
11
(
Notes
12