Personal Student Current Account

If you’re at college or university this is the perfect account to keep track of your money while you study

Personal Student Current Account

Manage your finances and plan for your future


  • No minimum balance to maintain
  • Enjoy Purchase Protection when you shop
  • Free lounge access at selected airports

The Personal Student Current Account is no longer issued by the bank and any information shown here is for existing customers only

See our wide range of benefits, including free airport lounge access, fraud protection and more


  • For college or university students between 21 and 24 years of age
  • Open to UAE Nationals and resident expats

Required documents

  • Copy of University student ID card OR letter of enrolment from the university
  • 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

Fees and charges

Charge Description Frequency Value
Minimum Balance* Monthly NIL
Initial Minimum Deposit Per Account AED 250
Account Monthly Charges Monthly NIL
Low Balance Charges Monthly NIL
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
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 afterwards
Utility payment (at branch) Per item AED 10 per transaction
Manager’s Cheque Per item  AED 30
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
Other Charges
Instalment deferral fees*   AED 100
Interest on credit card*   1.5% p.m.

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Ways to Apply

Visit a Branch

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Phone Us

Lines Open 24/7

UAE Helpline

600 52 5500

International Helpline

+971 2 6811511

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