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Schedule of Charges

Personal Banking Personal Banking Personal Banking


Plus/Youth Plus/Youth Plus/Youth
Package/Go4it/ Package/Go4it/ Package/Go4it/
Charges Classic Ladies Banking Executive/ Beyond Charges Classic Ladies Banking Executive/ Beyond Charges Classic Ladies Banking Executive/ Beyond
Man Utd Man Utd Man Utd
(Homemaker)/ (Homemaker)/ (Homemaker)/
Plus Maximizer Plus Maximizer Plus Maximizer

Minimum monthly average relationship Foreign currency Please Note


AED 3,000 N/A N/A N/A
balance (applicable for salary variant)
1.00% (min AED All fees and charges mentioned in this guide are subject to change. Such changes will apply from the effective
Minimum monthly average relationship 20) for Select
AED 3,000 AED 5,000* AED 5,000* AED 100,000* date specified by the Bank.
balance (applicable for savings variant) 1.25% (min AED 1.25% (min AED package. 1.25%
Minimum monthly salary transfer Foreign Currency Cash Deposit* 1% (min AED 20) This Service and Price Guide is applicable with effect from April 1, 2017.
Not offered AED 5,000 AED 5,000* AED 15,000 20)* 20)* (min AED 20) for
(applicable for salary variant)** Executive & Man
Utd packages*
Annual fee billed will not be reversed if the card has been used or cancelled.
Fee for non-maintenance of balance AED 25 per
Free Free Free
(applicable for salary variant) month 1.00% (min AED No finance charges (except for Cash Advances) will be levied in case 100% payment is made on or before the
Fee for non-maintenance of balance AED 25 per AED 25 per AED 25 per AED 25 per 20) for Select payment due date.
(applicable for savings variant) month month month month 1.25% (min AED 1.25% (min AED package. 1.25% Finance charges are levied on all transaction types, calculated from transaction date till repayment date
Foreign Currency Cash Withdrawal* 1% (min AED 20)
20)* 20)* (min AED 20) for (calculated on average daily balance method).
Non-receipt of salary Free Free Free Free
Executive & Man
Account opening fee Free Free Free Free Utd packages* Cash advance fee will be applicable on cash advance transactions as defined under Terms & Conditions.

8 10 10 *These are applicable with effect from November 16th, 2014. Please refer to Terms & Conditions for full details.
6 transactions
Teller Fees (Cash Deposit, Cash transactions**** transactions****
transactions****
per month free; Post-dated cheques
Withdrawals, Internal Fund Transfer, per month free; per month free;
per month free; Personal Loans
thereafter AED 10
Cheque Deposit) thereafter AED 10 thereafter AED 10
thereafter AED 10 Extension of due date Free Free Free Free
per transaction Processing fee (New) 1% of Loan amount (minimum AED 500, maximum AED 2,500)
per transaction per transaction
per transaction
Substitution of cheque with cash Free Free Free Free Processing fee (Top-up) 1% of Top-up amount (minimum AED 500, maximum AED 2,500)
One cheque book
First cheque book First cheque book
Cheque book charge free every calendar Post-dated cheques deposited for Enhanced Credit Life Insurance
N/A (25 leaves) free; (25 leaves) free; Free Free Free Free 1.24% - 1.99% (minimum AED 1,000)
(for 25 leaves cheque book) year; thereafter collection
thereafter AED 25 thereafter AED 20 (Double Cover)
AED 20
Letters of Encashment Free Free Free Free Personal Overdraft fee AED 200
Cheque returned charges N/A AED 100 AED 100 AED 100
Cheque Certification Free Free Free Free Late payment charge AED 50
Maximum number of withdrawals per
1 1 1 1 Post-dated cheques for presentation on
month for Smart S@ver accounts*** Free Free Free Free Instalment deferment fee AED 100
due date
Statement Charges Rescheduling fee AED 250
If PDC withdrawn before maturity, an
Request for copy of statement - Call Free Free Free Free
Free Free Free Free additional charge will be levied Early settlement fee 1% of outstanding amount (maximum AED 10,000 if buy over)
Centre IVR, Online Banking
Outward Clean Collections Early settlement fee top-up 1% of outstanding amount
AED 25 per AED 25 per AED 25 per AED 25 per
Request for copy of statement - Branch Standard collections
statement statement statement statement Advance EMI (up to 3 EMIs) Free
Request for copy of statement - Call AED 10 per AED 10 per AED 10 per AED 10 per Commission Free Free Free Free Partial payment 1% of payment made
Centre agent***** statement statement statement statement
OCC Return Charges Free Free Free Free Liability/No Liability letter AED 100
Request for non-standard AED 25 per AED 25 per AED 25 per AED 25 per
e-statement frequency statement cycle statement cycle statement cycle statement cycle Cash letter items (non USD) Free Free Free Free Loan cancellation fee AED 100
*Minimum monthly average relationship balances have to be maintained to enjoy the respective package privileges, failing which the Cheque collection (USD)* USD 160 USD 160 USD 160 USD 160
Bank has the right to downgrade the relationship. Fee for non-maintenance of balance will be charged if the monthly average relationship Auto Loans
balance falls below AED 3,000. Customers with active Loans/Overdrafts or holding Youth package are exempt from the above mentioned *Effective 26th March 2016, this service is offered only to approved customers. Additional charges of issuing bank if any will be collected
minimum balance requirements. For Beyond Customers fee for non-maintenance of balance will be waived for first 3 months following from the cheque value. Processing Fee (New cars /Used cars/
which stated charges will apply. For Executive package, minimum monthly salary transfer to be AED 5,000 and minimum monthly 1% of loan amount (minimum AED 500, maximum AED 2,500)
average relationship balance to be AED 100,000. Inward Clean Collection Business vehicles)
**If salary is not credited for six months, the Bank reserves the right to change the account from salary to savings variant.
The fee for non-maintenance of balance will be applicable. Commission Free Free Free Free Early Settlement fee 1% of outstanding amount
***Transfers to own Smart S@ver accounts, utility bill payments through Online Banking or Bank induced charges will not be considered
as withdrawals. In case the number of monthly withdrawals are more than the above permissible limits, the interest applied for the month Proceeds by DD/MC Free Free Free Free Auto Protect 1% of total loan amount (minimum AED 1,000)
will be at 0.25% p.a.
****6 transactions per month free for Essential and Executive packages. Proceeds by TT Free Free Free Free Late payment fee (instalment standing
AED 50
*****Charges effective 1st September 2015. order/cheque)
Cheque returned charges Free Free Free Free Change in mode of payment (PDC to
Request for the copy of old cheques Free
Certification & letters Direct Debit)
Less than 1 year N/A AED 10 per copy AED 10 per copy AED 10 per copy Change in mode of payment (Direct
Account balance letter/Account reference Free
AED 50 per cert. AED 50 per cert. AED 40 per cert. AED 40 per cert. Debit to PDC)
Over 1 year N/A AED 20 per copy AED 20 per copy AED 20 per copy charges
Change in PDCs Free
Account closure (within 1 year) AED 100 AED 100 AED 100 AED 100 per copy Liability letter AED 100 AED 100 AED 100 AED 100 Deferment AED 100
No Liability letter AED 100 AED 100 AED 100 AED 100 Temporary Release of Mortgage Free
Dormant account charges Free Free Free Free
Attestation of signature Free Free Free Free Change of registration Free
Remittances Bulk cash deposit & withdrawal at teller
Free Free Free Free Partial Payment (only valid for 3 and
One free per counter 1% of payment made
Demand draft/Managers cheque above instalments)
AED 30 AED 30 AED 25 month; thereafter Issue of IPO/rights issues by order Free Free Free Free
(for account holders) Rescheduling Fee AED 250
AED 25
Safe Deposit Lockers
Cancellation of demand draft Free Free Free Free Change of due date on standing
Free
Rentals per annum instructions
Telegraphic transfer for account holders
Small AED 750 AED 750 AED 750 AED 750 NOC to Traffic Department Free
One free per
Local currency within UAE (SHA) Cheque returned charges AED 100
AED 5 AED 5 AED 5 month; thereafter Medium AED 1,000 AED 1,000 AED 1,000 AED 1,000
(through branches)
AED 5
Large AED 1,500 AED 1,500 AED 1,500 AED 1,500 Home Loans
One free per
Local currency within UAE (BEN)
AED 5 AED 5 AED 5 month; thereafter Extra-large AED 2,000 AED 2,000 AED 2,000 AED 2,000
(through branches) Application Fee AED 1,000
AED 5
Over-size AED 2,500 AED 2,500 AED 2,500 AED 2,500
One free
Local currency within UAE (OURS) Processing Fee 1% of the loan amount
AED 5 AED 5 AED 5 per month*; Replacement of lock/key Actual Actual Actual Actual
(through branches)
thereafter AED 5 Valuation Charge AED 3,000 [For self-construction: AED 20,000]
Locker Deposit will be required based on the size of the locker.
One free per
Foreign currency remittance (through 0.4% p.a. of the outstanding loan amount
AED 75 AED 75 AED 70 month; thereafter Other services
branch) Life Insurance 0.6% p.a. for joint-borrowers
AED 70
Hold mail Free Free Free Free *Subject to medical assessment
Foreign currency remittance (through
Online Banking, Mobile Banking & Free Free Free Free Investigations Free Free Free Free Property Insurance 0.05% p.a. on the sum assured
ATM)**
T.C. purchase AED 20 AED 20 AED 20 AED 20 Late Payment Fee AED 200
Direct transfer to Bank of Beirut AED 20 AED 20 AED 20 AED 20
Postage Loan Cancellation fee Processing fee non-refundable
Local currency remittance (through
Online Banking, Mobile Banking & Free Free Free Free UAE Free Free Free Free Early Settlement Fee 1% of the loan outstanding amount not exceeding AED 10,000
ATM)** Other Free Free Free Free 1% of the outstanding loan amount
DirectRemit transfers (through Online Breakage Fee
* Applicable to closures of loans during the fixed tenor
Banking, Mobile Banking & ATM)
Free Free Free Free Faxes
* Free upto 20% of outstanding amount per annum
Additional Telex (e.g. tracer) sent at UAE Free Free Free Free Partial Settlement Fee
* 1% on further settlements not exceeding AED 10,000
request Free Free Free Free Other Free Free Free Free Liability Letter AED 100
of customer - UAE
Additional Telex (e.g. tracer) sent at Courier No Liability Letter AED 100
request Free Free Free Free UAE Free Free Free Free Restructuring fee AED 250
of customer - others
Other Free Free Free Free Change in property (SWAP) AED 2,000
Cancellation of remittance instruction/
recalling Free Free Free Free Telex/cable/SWIFT messages Change in ownership details
AED 2,000
of funds remitted UAE Free Free Free Free (Co-borrowers)
Swift message copy Free Free Free Free Other Free Free Free Free Office Loans
*For Charge Code OURS, only AED 4 will be refunded (as AED 1 is paid towards beneficiary bank charges).
** Charges are waived only when SHARED option is selected; correspondent / beneficiary banks charges, if any, shall be applicable. Safe Custody Charges Free Free Free Free Property insurance 0.05% per annum on the sum assured
Inward Remittances Credit card service and price guide Borrower's life insurance 0.40% per annum of the outstanding loan amount
If deposited in beneficiary's account Free Free Free Free Annual fee Finance charges per month1 Late payment fee AED 200**
Primary card
(AED) (retail purchase and cash advance)
Standing Instructions Loan cancellation fee Processing fee non-refundable
Silver / DIC 150 / 200 3.25%
First 3 set-up free; No Liability letter AED 100
Set-up charges AED 50 AED 50 AED 40 Gold / Titanium 400 / 400 3.25%
thereafter AED 40
Liability letter AED 100
Periodic Payments (per transaction) Free Free Free Free Platinum 700 3.25%
Prepayment fee - top-up loan 1% of the outstanding amounts not exceeding AED 10,000
Amendment charges Free Free Free Free Infinite 1500 1.49%
Prepayment fee - own sources 1% of the outstanding amounts not exceeding AED 10,000
Failed Standing Instruction and DDS AED 25 AED 25 AED 25 AED 25 Go4it Gold / Platinum 99 / 199 3.25%
Prepayment fee - settlement from
Balance order Free Free Free Free Manchester United Titanium 250 3.25% 1% of the outstanding amounts not exceeding AED 10,000
another bank
Debit Card Charges dnata Platinum 500 3.25% Change of product scheme 1% of outstanding amount
Annual Fee Free Free Free Free dnata World 999 3.09% Rescheduling fee AED 250
Debit Card Replacement Fee AED 25 AED 25 AED 25 AED 25 Skywards Infinite / Signature 1500 / 700 3.09% Change in security AED 2,000
SPG World MasterCard 1500 3.09% Change in borrower/property
Foreign Currency Transaction Fee* 1.84% 1.84% 1.84% 1.84% AED 2,000
Business Card / Business Rewards 750 / 1000 3.25% ownership details
Copy of sales voucher AED 25 AED 25 AED 25 AED 25
Supplementary Card Free Copies of property related document AED 100 per instance per document requested
One time Service Fee** - AED 50 - -
Other fees and charges Retail Wealth Management
International Delivery Charges AED 150 AED 150 AED 150 AED 150
Cash advance fee 3% or AED 99 (whichever is higher) Schedule of Fees and Charges on Portfolio Accounts valid from May 2017
Usage fee in UAE at Emirates NBD ATMs
Over limit fee AED 249 Other Securities Transaction Fees
Cash Withdrawal/Deposit Free Free Free Free
Late payment fee AED 249 Under 100,000 to 250,000 to 500,000 to 1,000,000 and
Balance Enquiry Free Free Free Free Traded Notional
Foreign currency transaction fee2 1.84% 100,000 249,999 499,999 999,999 above
Mini-statement Free Free Free Free AED 50 for Go4it Cards Fixed income Securities & Sukuks 3.00% 2.50% 2.50% 2.25% 2.00%
Card replacement fee
AED 20 for all other Cards $25,000 to $100,000 to $250,000 to $500,000 to Above
Utility payment Free Free Free Free Traded Value in USD
Cheque and direct debit return fee AED 100 $99,999 $249,999 $499,999 $999,999 $1000,000
Usage fee on Non Emirates NBD (UAE Switch) ATMs Direct Equity 1.50% 1.25% 1.00% 0.75% 0.50%
Copy of sales voucher AED 10
Cash Withdrawal AED 2 AED 2 AED 2 AED 2 Mutual Funds 3.00% 2.50% 2.00% 1.75% 1.50%
Paper statement fee AED 5 per month
Balance Enquiry AED 1 AED 1 AED 1 AED 1 Duplicate statement fee (per copy) Structured Products Please refer to the respective term sheet.
Declined transaction AED 1 AED 1 AED 1 AED 1 - up to last 3 months AED 15 per month
2.00% 2.00% 1.50% 1.25% 1.00%
- over 3 months AED 50 per month
GCC Net ATMs (in Gulf Co-operation Countries) Minimum Fee equivalent to USD 200.
0.99% of the outstanding balance at billing cycle (free for the first 2
Credit Shield Insurance An exit fee of 0.5% will be applied upon redemption
Cash Withdrawal AED 6 AED 6 AED 6 AED 6*** months)
Emirates NBD Gold Certificate A flat fee of AED50 will be applied as Certificate Issuance Charges
Insurance: Lifestyle Protector / Protect
Balance Enquiry AED 3 AED 3 AED 3 AED 3 0.99% of the current balance at billing cycle (free for first 2 months) A flat fee of 15fils per gram will be charged at the time of subscription
Plus / Business Protector
A Custody & Insurance fee of 0.30% will be charged at the time of
International ATMs (outside Gulf Co-operation Countries) 0% Installment Plan redemption
AED 49 per transaction
One time processing fee
Cash Withdrawal AED 20 AED 20 AED 20 AED 20*** A custody fee of 0.25% will be charged on per annum calculated daily, based
Cancellation fee: Installment Plans / Safe Custody on the total portfolio value and charged on a quarterly basis to the customers
Balance Enquiry Free (If available) Free (If available) Free (If available) Free (If available) Dial-A-Cheque / Balance Transfer / AED 250 account.
*This fee is charged in addition to the standard processing fee charged by Visa International and is applicable to transactions Balance Conversion
Any additional costs charged by our custodians for the receipt or delivery of
performed in any currency other than UAE Dirhams. Administration Services
International Delivery Charges AED 150 securities will be debited to the client account.
**Applicable only for Go4it Package. Fee waived for a limited period.
***Maximum of 5 free transactions per calendar year subject to a minimum of USD 300 per transaction. General Exit Fees
Services Payment due date (from the
25 days Mutual Funds As per funds structure
statement date)
Special Clearing - Outward Free Free Free Free
Minimum payment due 5% or AED 100 (whichever is higher) Fixed income Securities & Sukuks 0.5%
Special Clearing - Inward
Free Free Free Free
May 2017

(proceeds by Manager's Cheque) Cash advance limit Direct Equity 0.5%


Special Clearing - Inward (proceeds - Business Card 75% of credit limit
- Other Cards 50% of credit limit Structured Products Applicable as per term sheet
through Free Free Free Free
The above fees apply to securities that are held with the Bank and include all charges and fees paid for the execution of the transaction through recognized
UAE Central Bank) 1
Finance charges are subject to increase by 0.5% in case the Card account is twice or more past due in the past six months. An account is considered past
counterparties of the Bank. Where applicable, taxes, bourse levies and other third party fees will be charged separately.
due if the minimum payment due is not received before the payment due date. Subsequently, Finance charges will revert to the prevailing product Finance
Stop payment charge (per transaction) charges if the Card account is no longer twice or more past due within the last six months. This Service and Price Guide is applicable with effect from
One free per April 1, 2017.
For Cheque/Demand Draft/Manager's 2
This fee is charged in addition to the standard processing fee charged by MasterCard International or Visa International and is applicable to transactions
N/A AED 50 AED 50 calendar quarter;
Cheque performed in any currency other than UAE Dirham (approximately 1.15%).This fee is waived for Emirates NBD dnata World MasterCard Credit
thereafter AED 50 Cardholders. Please refer to emiratesnbd.com/cards for updates.
For Beyond Customers, charges for transactions mentioned free will be reversed in the following month.

PERSONAL BANKING