Personal Call Account

A convenient account available in many currencies

Personal Call Account

Earn interest on balances and access your money when you need it

Highlights

  • Sweep facility available
  • Available in AED and major currencies
  • Earn interest on balances above AED 50,000

Our Personal Call Account comes with a ‘Sweep’ facility, which automatically takes money from your other accounts to ensure you are always in credit.

  • Great for short or long term savings

  • Available in UAE Dirham and major currencies

  • Earn interest on balances of AED 50,000 and above

Eligibility

  • ِAvailable to UAE residents and non-residents
  • Salaried and non-salaried customers are eligible

Terms and conditions apply
View the Accounts and Banking Services Terms and Conditions.

Required documents

  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
  • You won’t need a salary certificate unless you’re applying for a credit facility as well

Note: Additional documents may be required depending on case-by-case basis at the sole discretion of the Bank

Fees and charges

3.1 DEPOSIT ACCOUNTS (RESIDENT)
A. Local Currency - Fixed, Call & Notice
i Minimum balance to open and continue to earn interest on Fixed Deposit     AED 5000
ii a) Minimum balance to open and continue to earn interest on Call & Notice Accounts.
b) If balance falls below AED 50,000  
  AED 50,000
Interest will not be paid for that day  
iii Account Service Charge on Call & Notice Accounts   Monthly AED 20
iv Low Balance Charges for Call & Notice Accounts when average balance falls below AED50,000 during any given month     AED 100
B. Foreign Currency - Fixed, Call & Notice
i Minimum balance to open and continue to earn interest on Fixed Deposit     US$ 1,500 or equivalent  
ii a) Minimum balance to open and continue to earn interest on Call & Notice Accounts.
b) If balance falls below AED50,000 equivalent on any day
  AED 50,000 equivalent
Interest will not be paid for that day
iii Call & Notice Accounts to be closed if balance is continuously below AED50,000 equivalent for 3 months    
iv Deposits in Currency Notes other than US$
Deposits in US$ Currency Notes
- up to US$ 5000 in a day
- For amount above US$ 5000
  Flat 1% (minimum AED 10)
Free
Flat 1% (minimum AED10)
v Withdrawals in Currency Notes   Flat 1% (minimum AED 10)
vi Low Balance Charges for Call & Notice Accounts when average balance falls below AED50,000 equivalent during any given month   AED 100 equivalent
vii Account Service Charge on Call & Notice Accounts Monthly AED 20 equivalent
C. Other transactions for Call & Notice Accounts - Local and Foreign Currency
i Apply the charges of Current Accounts in Dirham or equivalent in Foreign Currency rounded up to full currency unit    

 

3.2 DEPOSIT ACCOUNTS (NON-RESIDENT)
A. Local Currency - Fixed, Call & Notice
i Minimum balance to open and continue to earn interest on Fixed Deposit   AED 5000
ii a) Minimum amount to open and earn interest on Call & Notice Account
b) If balance falls below AED 10,000 on any day
  AED 10,000
interest will not be paid for that day
iii Account Service Charge on Call & Notice Accounts Monthly AED 35
iv Low Balance Charges for Call & Notice Accounts when average balance falls below AED 10,000 during any given month   AED 250
v Closing of Call & Notice Account charges at the discretion of Branch Manager to be applied if the account has been maintained with average balance below AED10,000 during the past 3 months.   AED 100
B. Foreign Currency - Fixed, Call & Notice  
i Minimum balance to open and continue to earn interest on Fixed Deposit   US$ 1,500 or equivalent
ii a) Minimum amount to open and earn interest on Call & Notice Account
b) If balance falls below AED10,000 equivalent on any day
  AED 10,000 equivalent
interest will not be paid for that day
iii Account Service Charge on Call & Notice Accounts Monthly AED 35 equivalent
iv Low Balance Charges for Call & Notice Accounts when average balance falls below AED 10,000 equivalent during any given month   AED 250 equivalent
v Closing of Call & Notice Account charges at the discretion of Branch Manager to be applied if the account has been maintained with average balance below AED 10,000 equivalent during the past 3 months.   AED 100 equivalent
vi Deposits in Currency Notes other than US$ (Fixed, Call & Notice accounts) Deposits in US$ Currency Notes
- up to US$ 5000 in a day
- For amount above US$ 5000
  Flat 1% (minimum AED 10 equivalent)
Free
Flat 1% (minimum AED 10 equivalent)
vii Withdrawals in Currency Notes (Fixed, Call & Notice accounts)   Flat 1% (minimum AED 10 equivalent)
C. Other transactions for Call & Notice Accounts - Local and Foreign Currency
i Apply the charges of Current Accounts in Dirham or equivalent in Foreign Currency rounded up to full currency unit    

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