Etihad Guest – عربي

Etihad Guest Elite Gold Current Account

Get the best out of your banking and travel experiences


  • 1,000 Miles when you set up a salary transfer
  • Earn 3 Etihad Guest Miles for every AED 1,000 on your average monthly balance
  • 10% discount on Etihad Holidays with your Etihad Signature Debit Card


With effect from June 25,2018 the Elite Gold segmentation has been redefined as below:

  • Client’s Total Relationship Balance (Client own money with the bank) >= AED 500k & < AED 3M
  • Client’s Monthly Salary >= AED 50k per month
  • Client with Mortgage >= AED 2.5M

TRB = Current/Savings/Call Account Balance + Fixed Deposits + Investments

Required documents

  • Proof of income
  • Copy of a valid passport/visa/Emirates ID – original documents must also be presented

Note: additional documents may be required on a case-by-case basis

Fees and charges

Charge Description   Frequency   Etihad Guest Elite Gold Account  
Account Services  
Minimum Balance Requirement   Monthly   NIL
Initial Minimum Deposit Per Account AED 100,000*
Low Balance Charge   Monthly NIL  
Account Closure Fee   Per request   AED 100 (if closed within 1 year);NIL (if closed after 1 year)  
Statement of Account   Per request   Free within the agreed cycle, AED 25 outside the cycle  
Teller Charge (A/c to A/c transfer, cash withdrawal, cash deposit, etc.) Per item   8 free per month, AED 10 afterwards
Utility Payment (at branch)   Per item   AED 10 per transaction  
Release (Clearance) Letter   Per request   AED 50  
Interest on Debit Balance   Monthly minimum charge   18% p.a.(min AED 175 p.m.)***
Processing Fee for Overdraft   At setup   AED 200  
Payment Execution  
Demand Draft   Per payment   AED 25  
SWIFT Transfer in Foreign Currency   Per payment AED 100 for AUD, EUR, USD and AED 80 for remaining currencies. AED 100 additional for pay in full instructions. (First transaction in a month free)  
Within our Branches   Per payment   NIL  
Manager's Cheque   Per item   AED 30  
Standing Instructions  
Standing Instructions Establishment Fee   Per request   NIL
Amendment Fee (excl. requests to defer/ postpone payment)   Per request   AED 25  
Standing Order Favouring Charity Organisation within UAE   Per payment   NIL
First Cheque Book (at time of account opening)     NIL
Delivery of Cheque Book by Courier   Per item   NIL
Collection of Cheque Book at Branch * Per item   NIL  
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  Cheques from other banks   Per item   AED 100   

*Customer should achieve and maintain the Total Relationship Balance (TRB) of AED 500,000 within 2 months of account opening

**AED 50 charge applicable for instant cheque book delivery and third party delivery option

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

Schedule of Charges - Etihad Guest Signature Debit Card
Issuing Fee (for primary and supplementary card) Free
Replacement for Lost/Stolen Card AED 25
International Transaction Fee/Currency Conversion Fee   2%
Cash Withdrawal Fees on our ATMs in the UAE Free
Cash Withdrawal Fees on other banks' ATMs in the UAE AED 2*
Cash Withdrawal Fees on GCC Net ATMs AED 6**
Cash Withdrawal Fees on other Bank ATMs (internationally) AED 15 or 2.5% of withdrawn amount **
Balance Enquiry on our ATMs in the UAE Free
Balance Enquiry on other banks' ATMs in the UAE AED 1
Balance Enquiry on GCC Net and other Bank ATMs (internationally) AED 3
Declined Transactions on our ATMs in the UAE Free
Declined Transactions on other banks/ ATMs in the UAE and GCC AED 1
Declined Transactions on other Bank ATMs (internationally) AED 3
Copy of Sales Slip AED 25

*First four transactions within the UAE will be free (per month)
**First transaction overseas will be free (per month)
***Effective 5th June 2017, the Credit Shield rate will be revised from 0.85% to 0.95% of the outstanding balance (per month).

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