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Tariff of Charges - Banking Services

Accounts & Deposits


Issuing a statement of account
(Monthly for Current accounts - Half yearly for Savings)
Issuing a duplicate statement:
Current year's statement up to 5 years (for each statement)
Over 5 years statement (for each statement)
For each authenticated statement
Issuing a letter confirming balance of account
Account Maintenance Fee (per each month)
Minimum Balance Thresholds*
Call Accounts (daily balance)
Time Deposit in Qatari Riyals (initial deposit)
Time Deposit in Us dollars (initial deposit)
Time Deposit in GBP (initial deposit)
Time Deposit in Euro (initial deposit)

Standard
Fees
From Free of charge
To QAR 10.00

Sadara
Fees

Private Banking
Fees

Free of charge

Free of charge

QAR 10.00
QAR 20.00
QAR 10.00
QAR 25.00
No fee on minimum balance

Free of charge
Free of charge
Free of charge
Free of charge
No fee on minimum balance

Free of charge
Free of charge
Free of charge
Free of charge
No fee on minimum balance

QAR 20,000.00
QAR 20,000.00
$ 20,000.00
15,000.00
20,000.00

QAR 20,000.00
QAR 20,000.00
$ 20,000.00
15,000.00
20,000.00

QAR 20,000.00
QAR 20,000.00
$ 20,000.00
15,000.00
20,000.00

QAR 10.00

Free of charge

Free of charge

QAR 50.00

Free of charge

Free of charge

* If minimum balance is not maintained NO interest is accrued & if uplifted before maturity NO interest is paid.
Dormant Accounts
(applicable monthly only for balances below QAR 500 or equivalent in FCY)
Closing Current / Saving accounts opened less than 1 year

Rates are subject to change without prior notice. All Terms and Conditions apply.

Updated as of June 2011

Tariff of Charges - Banking Services


Debit/ATM Cards
Debit Card annual fee
Issuing a new Debit Card (auto-renewal)
Replacing a lost /damaged card / additional card
Re-issuing of a new ATM PIN
Delivery of an ATM Card (by mail)
Delivery of an ATM card (by branch)
Uncollected Debit Card (maximum for 1 months) (per month)
ATM cash withdrawal
Within Qatar (inquiry or withdrawals)
Internationally (per transaction)
Within GCC (per transaction)
ATM Balance Inquiry
Internationally
Within GCC
Alerts via SMS
Telephone Banking Services (24 hour Customer Contact Center)

*Debit card transactions done overseas will attract an exchange rate markup fee.
Rates are subject to change without prior notice. All Terms and Conditions apply.

Standard
Fees
Free of charge
Free of charge
QAR 50.00
QAR 10.00
Free of charge
QAR 25.00
QAR 50.00

Sadara
Fees
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge

Private Banking
Fees
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Free of charge

Free of charge
QAR 15.00
QAR 6.00

Free of charge
QAR 15.00
QAR 6.00

Free of charge
QAR 15.00
QAR 6.00

Free of charge
Free of charge
Free of charge
Free of charge

Free of charge
Free of charge
Free of charge
Free of charge

Free of charge
Free of charge
Free of charge
Free of charge

Updated as of June 2012

Tariff of Charges - Banking Services


Miscellanous Services
Cash Transactions
Cash Deposit LCY
Cash Withdrawal (over the counter) for less than QR 1,000 (per transaction)
Cash Deposit FCY (to same currency account)
USD Cash deposit to same currency account
GBP & EURO deposit to same currency account
Cash Withdrawal FCY (from same currency account)
USD Cash withdrawal from to same currency account
GBP & EURO withdrawal from same currency account
Senior Government Staff Housing Loan
Issuance of undertaking letter
Monthly installment payment
Customer requested letters/certificates (clearance, obligation)
Safe Deposit Locker Facilities
Small box (per annum)
Medium box (per annum)
Large box (per annum)
This service is subject to a refundable security deposit of QR 500/- per locker
Hold Mail (per item/per month)( Free of charge if requested for Card & Chequebook
during Account opening)
Cheque/ Instrument Retrieval Charges
Miscellaneous Services : Sadara
Sadara Service charge, if criteria is not met (per month)

Rates are subject to change without prior notice. All Terms and Conditions apply.

Standard
Fees

Sadara
Fees

Private Banking
Fees

Free of charge
QAR 10.00

Free of charge
Free of charge

Free of charge
Free of charge

1.00%
1.00%

1.00%
1.00%

1.00%
1.00%

0.50%
1.25%

1.00%
1.00%

1.00%
1.00%

QAR 25.00
QAR 25.00
QAR 25.00

Free of charge
Free of charge
Free of charge

Free of charge
Free of charge
Free of charge

QAR 1,000.00
QAR 1,200.00
QAR 1,500.00

QAR 500.00
QAR 600.00
QAR 750.00

QAR 500.00
QAR 600.00
QAR 750.00

QAR 25.00

QAR 25.00

QAR 25.00

QAR 50.00
QAR 50.00
N/A

QAR 25.00
QAR 25.00
QAR 200.00

QAR 25.00
QAR 25.00
N/A

Updated as of June 2012

Tariff of Charges - Banking Services


Mortgage Loans
Registration fee (per Title Deed)
Urgent Mortgage (per Title Deed)
Assignment
Certified copies
Loan cancellation after approval
Installment Postponement Fee (for each payment postponed)
Early Settlement (Partial or Full) on Paid amount for loans against one security (excluding construction loans)
Early Settlement (Partial or Full) on Paid amount for loans against more than one security and construction loans
Merging, Division & Release
Late Payment Fee (per month)
Late Payment Fees-Qatari & Resident (per month)
Late Payment Fees-Non-Resident (per month)
Late payment Interest Rate
Interest Rates - Mortgage Loans
For CB different Mortgage Loans types
Management Fees
Management fees on nominal principal - for loans against one security (excluding construction loans)
Management fees on nominal principal - for loans against more than one security and construction loans
Re-scheduling (including but not limited to interest repricing or any other contract alterations)
Property Amendments (Changes in security, release, split of title deeds, amendments etc)
Insurance Premium
Upfront premium on nominal principal per year for loans against one security (excluding construction loans)
Upfront premium on nominal principal per year for loans against more than one security and construction loans
Property Evaluation (Purchase price / value)
Property type & value
Registration and Documentation
Mortgage of title deed, Pledge of Shares
Rates are subject to change without prior notice. All Terms and Conditions apply.

Standard
Fees
QAR 1,000.00
QAR 1,500.00
QAR 1,000.00
QAR 200.00
QAR 2,000.00
QAR 95.00
1.00%
1.50%
QAR 200.00

Sadara
Fees
QAR 600.00
QAR 1,000.00
QAR 600.00
QAR 150.00
QAR 2,000.00
QAR 95.00
1.00%
1.50%
QAR 150.00

Private Banking
Fees
QAR 600.00
QAR 1,000.00
QAR 600.00
QAR 150.00
QAR 2,000.00
QAR 95.00
1.00%
1.50%
QAR 150.00

QAR 200.00
QAR 200.00
QAR 200.00
QAR 300.00
QAR 300.00
QAR 300.00
1% per month plus the Management rate 1% per month plus the Management rate 1% per month plus the Management rate
Available upon request
1.00%
1.50%
1.50%
0.25%

1.00%
1.50%
1.50%
0.25%

1.00%
1.50%
1.50%
0.25%

0.50%
0.60%

0.50%
0.60%

0.50%
0.60%

Available upon request


Apply mortgage processing /share pledging actual charge
Updated as of June 2012

Tariff of Charges - Banking Services


Overdrafts
Set up fee for any Overdraft (per month)
Casual Overdraft - without limit setup
Interest on Outstanding amount
Secured Overdraft against security-Cash & Non Cash (With limit setup)
Interest rate (against CASH security) - Code 5A
Interest rate (against NON-CASH security) - Code 4A
Interest rate (against eSavings deposit)
Approved Overdraft against Salary (With limit Setup)
Interest rate
Sadara Overdrafts Interest Rate
Standby OD (Code 7B, 7C) & Emergency OD (Code 8A)

Rates are subject to change without prior notice. All Terms and Conditions apply.

Standard
Fees
QAR 50.00

Sadara
Fees
QAR 25.00

Private Banking
Fees
QAR 25.00

9.75%

9.75%

9.75%

Rate on blocked cash + 3%


12.00%
Rate on blocked cash + 1%

Rate on blocked cash + 2%


11.00%
Rate on blocked cash + 1%

Rate on blocked cash + 2%


11.00%
Rate on blocked cash + 1%

11.00%

10.00%

10.00%

N/A

10.00%

10.00%

Updated as of June 2012

Tariff of Charges - Banking Services


Personal Loans
Loan cancellation after approval
Installment Postponement Fee (for each payment postponed)
Loan rescheduling to change of loan tenor/ installment without additional loan amount
Early Settlement (Partial or Full) of remaining balance
Replace loan guarantor
Customer Requested Letters/Certificates (e.g. Clearance, Obligation, etc.)
(No fees if issued for Al Safa Islamic Banking)
Late Payment Fee (per month)
Penalty for unpaid installment per occurrence (for each returned cheque or insufficient funds for standing order)
Personal Loans - Against Salary Only
File Charges for loans below QR 100,000 (Add this to the original loan amount)
Interest Rate (Maximum rate)
Management Fees
Loan Care - Upfront premium per year on requested loan amount (can be waived when maximum ceiling reached)
Personal Loans - Against Salary and/or Other Income
File Charges for loans below QR 100,000 (Add this to the original loan amount)
Interest Rates
Cb Standard
Management Fees
For New Loans
For Top Up Loans (apply only on the added amount)
Loan Care - Upfront premium per year on requested loan amount
Secured Personal Loans
Interest rates
Cash Secutity
Non Cash Security
Management Fees
For New Loans
For Top Up Loans (apply only on the added amount)

Rates are subject to change without prior notice. All Terms and Conditions apply.

Fees
QAR 250.00
QAR 50.00
QAR 250.00
1%
QAR 50.00
QAR 25.00
QAR 95.00
N/A
QCB lending rate + 1.50%
0.00%
0.75%
QAR 250.00
Available upon request
1.00%
1.00% of added amount
0.75%
Rate on blocked cash + 3.00%
12.00%
1.00%
1.00% of added amount

Updated as of August 2011

Tariff of Charges - Banking Services


Vehical Loans
Loan Cancellation after approval
Installment Postponement Fee - Cb customers (for each payment postponed)
Installment Postponement Fee - Non Cb customers (for each payment postponed)
Loan rescheduling to change of loan tenor/ installment without additional loan amount
Early Settlement (Partial or Full) of Balance Outstanding
Replace loan guarantor
Repayment cheques change
Transfer charges of the vehicle loan liability
"Customer Requested Letters/Certificates (e.g. Clearance, Obligation, etc.)
(No fees if issued for Al Safa Islamic Banking)"
Vehicle Loans - Against Salary Only
File Charges for loans below QR 100,000 (Add this to the original loan amount)
Interest Rate (Maximum rate )
Management Fees
Loan Care - Upfront premium per year on requested loan amount (can be waived when maximum ceiling reached)
Vehicle Loans - Against Salary and/or Other Income
File Charges for loans below QR 100,000 (Add this to the original loan amount)
Interest Rates
Vehicles
Cb
Non Retail
Bikes & Boats (Cb customers only)
All
Management Fees
Cb Standard
Loan Care for Retail - Upfront premium per year on requested loan amount
Secured Vehicle Loans
Cash Secutity
Non Cash Security
Management Fees
For New Loans
For Top Up Loans (apply only on the added amount)

Rates are subject to change without prior notice. All Terms and Conditions apply.

Fees
QAR 250.00
QAR 50.00
QAR 200.00
QAR 250.00
1%
QAR 50.00
QAR 50.00
QAR 250.00
QAR 25.00
N/A
QCB lending rate + 1.50%
0.00%
0.70%
QAR 250.00
5.99% New & Used
5.99% New & Used
5.99%
2.50%
0.70%
Rate on blocked cash + 3.00%
12.00%
1.00%
1.00% of added amount

Updated as of August 2011

Tariff of Charges - Banking Services


Cheques & Chequebooks
Cheque deposit
Cheque Withdrawal (through clearing system)
Cheque Signature verification (Per cheque)
Chequebooks
Issuing a chequebook (First chequebook after account opening)
Re-Issuance of new chequebook
Issuing a chequebook immediately (In Branch)
Self-service chequebook issuance via machine
Register mailing a chequebook/cheques returned unpaid
Return Cheque due to any legal reason (excluding Insufficient Funds)
Return Cheque due to Insufficient Funds
For the first time
For the second time
For the third time
Stop LOST Cheques
Charge per cheque lost
Charge per chequebook lost
Charge per bank cheque lost
Cheque Book Delivery Options
Delivery of Chequebook (by branch)
Delivery of Chequebook (by mail)
Copies of Paid Cheques
Cheques up to 1 year old (per cheque)
Cheques more than 1 year old (per cheque)
Cheque Clearance
Normal cheque clearing
(drawn on a bank in QAR within Qatar)
Special cheque clearing (same day)
(drawn on a bank in QAR within Qatar - on request)"
Special clearing for cheques payable at centers where QCB clearing facility is not available
(per cheque)
Cheque Collection
Collection of Foreign Currency cheque (if paid in LCY)
Collection of Foreign Currency cheque (if paid in FCY)
Post-dated Cheques
Safe Keeping & Collection of a Post-dated Cheques (per cheque)
Cancellation of post-dated cheque (per cheque)

Rates are subject to change without prior notice. All Terms and Conditions apply.

Standard
Fees
Free of charge
Free of charge
QAR 10.00

Sadara
Fees
Free of charge
Free of charge
Free of charge

Private Banking
Fees
Free of charge
Free of charge
Free of charge

Free of charge
QAR 10.00
QAR 20.00
QAR 10.00
QAR 10.00
Nil

Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Nil

Free of charge
Free of charge
Free of charge
Free of charge
Free of charge
Nil

QAR 100
QAR 150
QAR 300

QAR 100
QAR 150
QAR 300

QAR 100
QAR 150
QAR 300

QAR 25.00
QAR 100.00
QAR 50.00

QAR 25.00
QAR 100.00
QAR 50.00

QAR 25.00
QAR 100.00
QAR 50.00

QAR 25.00
Free of Charge

Free of charge
Free of Charge

Free of charge
Free of Charge

QAR 10.00
QAR 20.00

QAR 10.00
QAR 20.00

QAR 10.00
QAR 20.00

Free of charge

Free of charge

Free of charge

Free of charge

Free of charge

Free of charge

Free of charge

Free of charge

Free of charge

0.10% (Maximum QR 95)


0.10% (Maximum QR 200)

0.10% (Maximum QR 95)


0.10% (Maximum QR 200)

0.10% (Maximum QR 95)


0.10% (Maximum QR 200)

QAR 10.00
QAR 10.00

Free of charge
Free of charge

Free of charge
Free of charge

Updated as of June 2012

Tariff of Charges - Banking Services


Funds Transfer

Internal Transfers
Transferring funds between Commercial Bank accounts
Immediate Credit of Funds from Call Accounts
Transferred via internet banking
Transferred via branch
Telegraphic Transfers
To any bank in Qatar
To any bank outside Qatar
Inward remittance in Foreign Currency
If credited to a Commercial Bank account in same Foreign currency account
If Paid in currency notes other than QAR (Subject to availability)
Payment Investigations
Amendment of outward remittance
Inquiry of credit at beneficiary bank for an outward remittance (applicable only
if credit was applied prior to the enquiry being raised)
Recall of Telegraphic Transfer: (a) applicable whether or not funds are received back or (b)
if funds are returned for reasons of incorrect payment instructions provided by customer.
Foreign Currency Demand Drafts:
Issuing
Stopping, Cancelling, Cancelling (when Telex is required)
Postage charges
Courier charges
Managers Cheques:
Issuing
Cancelling (when original returned), Stopping
Postage charges
Courier charges
Payment Orders
Issuing
Standing Orders (for periodical transfer of funds)
Set up standing instructions within Commercial Bank
Set up standing instructions with other banks in Qatar (one time fee in addtion to Telex transfer charges) (per occurence)
Amending, Cancelling
Charge if sufficient funds are not available in the account to make the transfer (per occasion)

Note: Charges will not be levied for standing orders established on behalf of charitable organisations, Savings Plan customers and for accounts that are blocked /inactive/dormant.

Free of charge
QAR 25
QAR 50
QAR 10
QAR 15
QAR 50 (or equivalent)
1% commission (min QAR 50/-)
QAR 50 (plus corresponding charges)
QAR 50 (plus corresponding charges)
QAR 50 (plus corresponding charges)
QAR 25
QAR 50
QAR 25
QAR 50.00 (plus actual charges)
QAR 25
QAR 50
QAR 25
QAR 50 (plus actual charges)
QAR 25
Free of charge
QAR 50
QAR 25
QAR 50