www.nbad.ae

800 2211 customersupport@nbad.ae

Fees and ChargesThe table below highlights charges and fees that are specific to NBAD Personal Current Account.

Current Account (Local Currency)

Charge Description Frequency Value

Minimum Balance Monthly AED 3000

Initial Minimum Deposit Per Account AED 500 for salaried; AED 1000 for non-salaried

Account Monthly Charges Monthly NIL

Low Balance Charge Monthly AED 25 (from 2nd month onwards)

Account Closure Fee Per requestAED 100 (if closed within 1 year)NIL (if closed after 1 year)

Standing Instructions Establishment Fee Per request AED 50

Payment Execution Fee

- By means of Demand Draft, Payment Order

through Central Bank (postage included)Per payment AED 25

- By means of SWIFT Transfer in Foreign Currency

(plus applicable charges of SWIFT)Per payment AED 15

- Within NBAD branches Per payment NIL

Amendment Fee (excl. requests to defer/postpone payment) Per request AED 25

Standing Order favouring charity organisation within UAE Per payment NIL

Release (Clearance) Letter Per request AED 50

Statement of Account Per requestFree within the agreed cycle,AED 25 outside the cycle

Teller Charge (A/c to A/c transfer, cash withdrawal, cash deposit, cheque deposit, etc.)

Per item NIL

Utility payment (at branch) Per item AED 10 per transaction

Interest on debit balanceMonthlyminimum charge

18% p.a. (min AED 175 p.m.)

Processing Fee for Overdraft At setup AED 200

Managers Cheque Per item AED 30

Cheques

First Cheque Book (at time of account opening) Free

Delivery of Cheque Book by courier Per item AED 25

Collection of Cheque Book at branch Per Item AED 50

Cheque Collection Fees (inside the UAE) Per Item NIL

Undelivered Cheque Book destroyed Per item AED 50

Returned Cheque Fees (When deposited into your a/c) Per item NIL

Returned Cheque Fees (When drawn on your a/c) Per item AED 100

Stop Payment Instructions (Cheque) Per item AED 50

Special Clearing of Non-NBAD Cheques Per item AED 100

www.nbad.ae

800 2211 customersupport@nbad.ae

Debit Card

Issuing Fee (for primary card) Per item Free

Issuing Fee (for supplementary card) Per item AED 25

Replacement for Lost/Stolen Card Per item AED 25

International Transaction Fee Per transaction 2% of transaction amount

Cash withdrawal fees on NBAD ATMs in UAE Per transaction Free

Cash withdrawal fees on Non-NBAD ATMs in UAE Per transaction AED 2

Withdrawal Fee on GCC Net ATMs Per transaction AED 6

Balance Enquiry on NBAD ATMs in the UAE Per request Free

Balance Enquiry on Non-NBAD ATMs in the UAE Per request AED 1

Declined Transaction on Non-NBAD ATMs in the UAE Per transaction AED 1

Balance Enquiry on GCC Net ATMs Per request AED 3

Withdrawal on International ATMs Per transactionAED 15 or 2.5% of withdrawn amount whichever is higher

Uncollected Card destroyed by Bank Per item AED 50

Copy of sales slip Per request AED 25

Current Account (Foreign Currency)Charge Description Frequency Value

Interest on debit balance Monthly min charge Rate subject to arrangement

Deposit in currency notes other than US$ Per deposit Flat 1% (min AED 10 equivalent)

Deposit in currency notes US$ upto US$ 5000 in a day Per deposit Free

For amount above US$ 5000 Per deposit Flat 1% (min AED 10 equivalent)

Withdrawals in currency notes Per withdrawal Flat 1% (min AED 10 equivalent)

All other transactions (minimum average balance requirement,low balance charge, semi-annual account charges, returned cheque charge, etc.)

Per transactionEquivalent of Dirham for current account in local currency rounded up to full currency unit