Personal Current Account

Manage your finances with ease and security

Personal Current Account

Enjoy a flexible current account designed to suit your lifestyle


  • First cheque book free upon account opening
  • Enjoy free lounge access at selected airports
  • Free cash withdrawal at all ATMs in the UAE

This account comes with a free cheque book, a MasterCard Platinum Debit Card and more great lifestyle benefits


Click here to insert your account details and generate your IBAN

International Banking Account Number

Discover a current account with access to exclusive airport lounges across the Middle East


  • Be aged 21 years or above
  • Be a salaried or self-employed or non-salaried customer
  • Be a UAE National or GCC National or resident expat
  • Initial deposit requirement at time of account opening for non-salaried is AED 3,000

Required documents

  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)
  • Salary certificate (Dated within the last 30 days)

Fees and charges

Charge Description Frequency Value
Minimum Balance Monthly AED 3000
Account Monthly Charges Monthly NIL
Low Balance Charges Monthly AED 25 (from 2nd month onwards)
Account Closure Fee Per request AED 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 our branches Per payment NIL
Amendment Fee (excl. requests to defer/ postpone payment) Per request AED 25
Standing Order favoring charity organization within UAE Per payment NIL
Release (Clearance) Letter Per request AED 50
Statement of Account Per cycle Free 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 6 free per month, AED 10 for each subsequent transaction
Utility payment (at branch) Per item AED 10 per transaction
Interest on debit balance Monthly minimum charge 18% p.a. (min AED 175 p.m.)*
Processing Fee for Overdraft At set up AED 200
Manager’s Cheque Per item AED 30
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 account) Per item NIL
Returned Cheque Fees (when drawn on your account) Per item AED 100
Stop Payment Instructions (cheque) Per item AED 50
Special Clearing of Non-branch Cheques Per item AED 100
Debit Card
Issuing Fee (for primary card) Per item Free
Issuing Fee (for supplementary card) Per item Free
Replacement for Lost/ Stolen Card Per item AED 25
International Transaction Fee Per transaction 2% of transaction amount
Cash withdrawal fees on our ATMs in UAE Per transaction Free
Cash withdrawal fees on Non-branch ATMs in UAE Per transaction AED 2
Withdrawal Fee on GCC Net ATMs Per transaction AED 6 + 2% of transaction amount as FX Charges 
Balance Inquiry on our ATMs in the UAE Per request Free
Balance Inquiry on Non-branch ATMs in the UAE Per request AED 1
Declined Transaction on Non-branch ATMs in the UAE Per transaction AED 1
Balance Inquiry on GCC Net ATMs Per request AED 3
Withdrawal on International ATMs Per transaction AED 15 or 2.5 % of withdrawn amount whichever is higher + 2% of transaction amount as FX Charges 
Uncollected Card destroyed by Bank Per item NIL
Copy of sales slip Per request AED 25

*Effective 25 May 2018, interest on debit balance will be revised from 18% p.a. to 19% p.a.

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$ up to 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 transaction Equivalent of Dirham for current account in local currency rounded up to full currency unit.

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