Schedule of Charges

Customer Services Electronic Banking Services

Deposit Lockers Account Services Fees (AED) ) (
Insurance security (one-time payment, refundable) 500 500 ) ( ) ( Al Islami SMS Banking 5 p.m. (maximum) ) ( 5
Small size (annually) 1,000 1,000 ) ( Remit to ATM 10 (maximum) ) ( 10

Medium size (annually) 1,250 1,250 ) (
Al Islami Business Online
Big size (annually) 2,000 2,000 ) (
Account Type Basic Plus Premium
Finance
Set-up Fee Free Free Free
Issuance of Liability Letter 100 100
Monthly Fee (View Access) Free Free Free ) (
Issuance of No Objection/Clearance Letter 50 50 /
Other Certificates & Statements 50 50 Monthly Fee (Full Access) (in AED) 150 100 Free 100 150 ) ( ) (
Reissuance of installment cheques 100 100
Award full payment 50 50 Business Alerts
Application to charge guarantor (after approval) 100 100 ) (
Account Type Basic Plus Premium
Direct Debit Set up Charges 50 50
Insufficient balance (Direct Debit) 25 25 ) ( Setup Fee* (in AED) 25 25 25 25 25 25 ) * (

Cash Withdrawal/Cheques / Monthly Fee* (in AED) 15 10 Free 10 15 ) * (

*Business Alert setup and monthly fee waived for Business Accountshaving full access to *
Cash withdrawal slip from Current Account - - business online
Stop payment cheques (Police letter) 25 25 ) (
Billers
Issuing a Manager Cheque in UAE currency
Dubai Economic Department Fee 10 10
Bank customers 30 30 Emaratech Fee 20 20
Banks (special clearing) 100 100 ) ( Fly Dubai Fee 40 40
Cancellation of Managers Cheque 50 50
Dubai Trade Fee 2 2
Demand Draft issuance 50 50
Emaar Fee 10 10
Demand Draft Cancellation 20 20

Standing Order Instructions WPS

One time setup charge 50 50

Salary Processing per file 200 200
Standing Order execution charges Salary Processing per record 05 05
Within DIB Accounts
To other Banks within UAE
Free
25+CB charges

+ 25

Investment Deposits
To other Bank outside UAE 25+TT charges + 25 Deposit weightage and Mudareb share of profit
Amendments to the Standing Order 10 10
Cancellation of the Standing Order 10 10 AED USD GBP Euro SAR QAR JPY CAN $
One year deposit more than 100 million 72% 48% 66% 45% 36% 25% 18% 65%
Authorisation to the Bank One year deposit less than 100 million 61% 45% 63% 43% 32% 23% 14% 59%
To cover the Current Account from the customers other accounts under the same number (per transaction) 20 20 ) ( Nine months deposit more than 100 million 61% 43% 57% 39% 32% 23% 14% 54%
Nine months deposit less than 100 million 57% 39% 54% 38% 29% 19% 11% 48%
Authorisation application (one-off) 25 25
Six months deposit more than 100 million 57% 39% 52% 36% 29% 22% 11% 45%
Coverage cancellation 10 10
Six months deposit less than 100 million 54% 36% 48% 34% 25% 16% 7% 41%
Inward Remittances Three months deposit more than 100 million 52% 29% 39% 25% 22% 13% 7% 34%
Three months deposit less than 100 million 48% 25% 36% 23% 22% 9% 4% 31%
Fund transfers/payment orders (dirhams or foreign currency) Credited to ( ) /
- - One month deposit more than 100 million 47% 22% 31% 16% 18% 5% 4% 29%
beneficiary having A/cs with DIB
One month deposit less than 100 million 43% 16% 27% 14% 11% 5% 2% 25%
Collection of cheque 10 + Telex charges + 10
Corporate Savings Account 11% 9% 9% 7% 2% 4% 0.00% 4%
Outward Remittances Savings Account 14% 11% 11% 9% 4% 3% 0.00% 4%
E - Savings Account 25% - - - - - - -
By Telex/SWIFT for DIB customers (local) 5+ CB charges + 5 ) ( /
2-in-1 Account 9% - - - - - - -
By Telex/SWIFT for DIB customers through Al Islami Online /
1+ CB charges + 1 Shaatir - Childrens Savings Account 36% - - - - - - -
Banking (local) ) (
Mudareb share of Profit (MAXIMUM) 90%
By Telex/SWIFT for DIB customers (international) 60 60 ) ( /
/

By Telex/SWIFT for DIB customers through Al Islami Online Banking
(international)
35 35
) ( Al Islami Cards
(Correspondent bank fees not included) - - )( Al Islami Prime Al Islami Charge
Issuing Manager Cheque in foreign currency 50 50 Credit Cards Credit Cards Cards
Cancellation of Manager Cheque in foreign currency 10 10
Monthly Annual Monthly Profit Annual
100 + Courier charges AED 50 for 50( + 100 Annual Fee
Collection of cheque Product Type Subscription Fee Fee Rate on Salam Fee
GCC, AED 80 for others ) 80
Returned cheques drawn on banks outside the UAE 100 100 Classic 195 Free up to 3.25% Free 300 300 %3,25 195
Stop payment of cheque/remittance outside the UAE (police letter) 10+ fee of Teles/SWIFT / + 10 ) ( / Gold 375 Free up to 3.25% Free 400 400 %3,25 375
Gold Premium 475 Free NA NA NA 475
Bank Statements (received from the branch) ) (
Platinum 600 Free up to 3.25% Free 1000 1000 %3,25 600
Account statement for the current period (less than one Quarter) 0 0 ) ( Platinum Plus 600 Free NA NA NA 600
Account statement for the previous year (per Quarter) 25 25 ) ( Signature NA NA up to 3.25% Free NA %3,25
Account statement via post outside regular cycle (per statement) 25 25 ) ( Infinite 1000 Free up to 3.25% Free NA %3,25 1000
Post-dated Cheques
Other Fee & Charges for all Credit & Charge Cards
For collection in favour of the bank (to settle liabilities) - - ) (
Cash Withdrawal Fee* 90 90 *
For collection in favour of the customer A/cs (for each cheque) 20 20 ) (
Late Payment Fee 225 225
Cheque retrieved and returned as per request from customer 20 20
Reissuance or Replacement Fee (Charge/Others) 100/50 100/50 )- (

Account Services Duplicate Statement Fee 50 50

Copy of Sales Voucher 25 25
Account Closure Fee (If closed within 1 year) 25 25 ) ( Outstation Cheque Processing Charge 50 50
Returned Cheque Charge 100 100
Current Account Maintenance Fee (per month) 25* *25 ) ( **
Upgrade Fee** 195 195
*Deducted on the first Friday of every month (Accounts with monthly * ( Foreign Currency (Non AED) Transaction Processing Fee*** 1.95% %1,95 ***) (
average balance of AED 3,000 or more are exempted) ) 3.000 Credit Shield Takaful Fee 0.89% %0,89
*Cheque book issuance (25 leaves) (1st free) 25 25 )( ) 25( * Payment Through DIB Cheque Free
*Teller fee (per transaction) (first 6 free per month) 10 10 ) 6 ( )* ( Annual Fee for Supplementary & Internet Cards Free
*Charged for every multiple of (and up to) AED 3,000 3,000 *
Al Islami 2-in-1 Account Maintenance Fee (per month) 25 25 ) (-1 2-
** In Case of Temporary Credit Limit Increase *** Excludes any Charge applied by Visa International ** ***
*Deducted on the 5th of every month (Accounts with monthly * (
average balance of AED 10,000 or more are exempted) Al Islami Debit Card
) 10.000
*Cheque book issuance (10 leaves) 20 20 ) 10( * New Debit Card Free
*Teller fee (per transaction) (first 6 free per month) 10 10 ) 6 ( )* ( Renewal Free
Card Replacement/Re-issuance (damaged due to technical problem) Free ) (
Al Islami Currents Account Plus Fixed Maintenance Fee (per month) 15 15 ) ( Card Replacement/Re-issuance (
25 25
*Deducted on the 5th of every month * (
(damaged/ lost card/pin) )
(If monthly salary less than AED 3,000 AED 25 will apply) ) 25 3.000 Cash withdrawal from non-DIB ATM within the UAE 2 (per transaction) ) ( 2
*Cheque book issuance (25 leaves) 25 25 ) 25( * Cash withdrawal from non-DIB ATM within the GCC 6 (per transaction) ) ( 6

*Teller fee (per transaction) (first 6 free per month) 10 10 ) 6 ( )* ( Cash withdrawal from non-DIB ATM outside the UAE and GCC 15 (per transaction) ) ( 15
Balance inquiry through non-DIB ATM within UAE 1 (per transaction) ) ( 1
Membership Fee - Mumayyaz Decline transition through non-DIB ATM within UAE 1 (per transaction) ) ( 1
Salary Transfer of AED 15,000 - AED 35,000 are exempted and customers with 35,000 15,000 Transaction Protect Fee 25 25
50 50
monthly relationship of AED 100,000 or more are exempted 100,000 Foreign Currency (Non AED) Transaction Processing Fee* 1.95% %1,95 *) (

Saving Account Maintenance Fee (per month) 25* *25 ) ( *Excludes any Charge applied by Visa International *

*Deducted on the first Friday of every month (Accounts with monthly average balance of AED 3,000 or
more are exempted)
(
*

3.000) Al Islami Home Finance
Teller Fees (per transaction) (first 6 free per month) 10 10 ) 6 ( ) ( Profit rate Starting from 3.24% %3,24
Processing fee* (1% of approval amount or maximum 25,000) )25.000 %1( *
Broken Deposit
Liability letter 100 100
Profit on Broken Deposit(s): Calculated based on the actual period the deposit(s) : /
remained in the joint investment pool at the applicable savings account profit rate Clearance/Sublease letter 50 50
Statement of Account 25 25
Wakala Deposit
Late Payment Penalty 200 200
Wakala Fee 1 1 *Fees and charges may vary depending on customer/product category *
Performance Incentive in case of pre-mature liquidation: :
Termination within 30 days 100% of wakala profit %100 30 Al Islami Personal Finance
Termination after 30 days 75% of wakala profit %75 30
Profit rate from 11% to 21.99% p.a %21,99 %11
Long Term Wakala Deposit Processing fee for due diligence and documentation from AED 1,000 to AED 2,500 2,500 1,000
Late Payment Penalty 175 175
Penalty in case of premature liquidation Personal Finance Liability Consolidation due diligence and
Deposit liquidation in < 6 Months 100% of Wakala Profit %100 6 < from AED 1000 to AED 2500 2,500 1,000
documentation fee
Deposit liquidation in >= 6 months < 12 Months 75% of Wakala Profit %75 12 < 6 => Early Settlement from same Bank Finance 1% of Outstanding Purchase Price. %1
Deposit liquidation in >= 12 Months < 24 Months 50% of Wakala Profit %50 24 < 12 => Early Settlement from other Bank Finance 1% of Outstanding Purchase Price %1
Deposit liquidation in >= 24 Months < 36 Months 40% of Wakala Profit %40 36 < 24 => 100
Personal Finance Rescheduling Fee 100
Deposit liquidation in >= 36 Months < 48 Months 30% of Wakala Profit %30 48 < 36 =>
Personal Finance Cancellation Fee 100
100
Deposit liquidation in >= 48 Months < 60 Months 20% of Wakala Profit %20 60 < 48 =>

Upfront Profit Payment Wakala Al Islami Auto Finance / Ijarah /

Penalty in-case of premature liquidation 75% of Wakala Profit %75
Profit rate up to 17.60% p.a. %1760
Maximizer Deposit Processing fee for due diligence and documentation AED 750 per application 750
In the case of a premature withdrawal of Maximizer Deposit, a penal rate of 0.5% will be charged, i.e., %0.5 Individual customers up to AED 2,500 2500
the profit rate applicable for the total period for which the deposit has run less applicable penalty
Non - individual customers up to AED 2,500 per vehicle
2500
Recurring Wakala Deposit Late Payment Penalty 175
175
Penalty in-case of premature liquidation 75% of Wakala Profit %75 Early Settlement Charges 1% of remaining balance
%1
NOC to Traffic department Free
Al Islami Business Accounts Replacement of existing postdated Cheques with new postdated Cheques Free




Installment deferment charges AED 100 per deferment 100
Account Services Basic Plus Premium

Al Islami Business Finance

Current Account Monthly average balance 50000 250000 500000
Account Maintenance fee p.m. (Waived if above balances are (
150 400 600
maintained) )
Cheque book issuance fees (initial) Free Free Free ) ( Profit rate from 17% to 24% p.a %24 %17
Additional Cheque book issuance fees (50 leaves) 50 50 Free 50 Processing fee 2% of finance amount %2
Returned Cheque fee (Insufficient balance) 300 300 300 ) (
Late Payment Penalty 175 175
Valid Trade license not provided for more than 60 days after the 60

250 250 250

Al Islami Salary In Advance

expiration of existing documents (Monthly) ) (
10 4 10 8
Teller Fees (per transaction) 4 free p.m. then AED 10 per 8 free p.m. then AED 10 per ) (
transaction transaction Unlimited Cash & Cheque withdrawals
Up to 90% of month net salary %90
3rd Party Counter Cheque Withdrawals
Salary-in-Advance can be availed as per the tiers below -
Cheque Amount <= AED 100k 100 100 100 100
AED 1,000 AED 13,500 Processing Fee AED 295 295 13,500 1,000
Cheque Amount > AED 100k 200 200 200 100
AED 13,501 AED 30,000 Processing Fee AED 500 500 30,000 13,501
Basic Plus Premium

Debit Card Charges
Issuance Charges 50 Free Free Customer Services
Replacement Charges 25 25 25 Special Clearing Cheque Fees (AED) ) (
Copy of Documents Basic Plus Premium Within the Emirate 105 105
Documents less than one year (per document) 100 100 100 ) ( Outside the Emirate 200 200
Documents more than one year (per document) 200 200 200 ) (
Returned cheques drawn on DIB by the customer
Bank Statements (Received from branch) Basic Plus Premium ) (
Insufficient balance (internal & external clearing and cash payment) 100 100 ) (
Returned Murabaha cheques (DIB) 100 100
Account statement for the current period (Less than one quarter) 25 25 25
)(
Insufficient balance (Direct Debit) 25 25
) (
Account statement for the previous year (Per Quarter) 25 25 25 ) (
Account statement for the previous period (More than one year) 25 25 25 ) ( Certificate to whom it may concern (Arabic & English) ) - (
Letters & certificates (Arabic & English) Basic Plus Premium ) ( Certificate issued to economic depts. in UAE 100 100
Certificate issued to economic depts. in UAE 250 250 250 Confirmation of balances certificate of audit firms 100 100
Other certificates to whom it may concern/as per customer request 50 50 ) / (
Confirmation of balances certificate of audit firms 250 250 250
Other certificates to whom it may concern / as per customer request (Balance / Copying Documents
50 50 50
certificate) )(
Old document - Less than one year (per document) 10 10 ) (
Bank reference letter/ clearance letter 50 50 50 / Old document - More than one year (per document) 20 20 ) (

November 1, 2016. Fees are subject to change without prior notification .2016 1
For the latest Schedule of Charges visit dib.ae dib.ae