1. Account Packages & Core Features

Package	Min. Avg. Balance Requirement	Monthly Fee if Below Min. Avg. Balance	Free Teller Transactions	Key Benefits
Business Choice Silver	AED 10,000	AED 150	15 free per month; AED 10.50 thereafter	Chequebook (4 books/year), Debit card, ProCash access
Business Choice Gold	AED 50,000	AED 200	30 free per month; AED 10.50 thereafter	Chequebook (1 book/month), enhanced ProCash features
Business Choice Platinum	AED 100,000	AED 300	Unlimited free	Complimentary business Takaful, unlimited ProCash
SmartStart	None	Not applicable	N/A	First cheque book free, e-statements, ProCash access
e-Business	None	AED 1,800 per annum (upfront)	Unlimited free (online only)	Fully digital account, 1 free cheque book/year
Business First Essential	N/A	AED 262.50	Unlimited free (all channels)	Bundled cash pick-up, ProCash, cheque scanning
Business First Executive	N/A	AED 840	Unlimited free	Additional cash pick-up, preferential trade FX rates
Business First Executive Plus	N/A	AED 1,732.50	Unlimited free	All Executive benefits plus highest transaction limits

 

(Business First packages require 12-month commitment; opt-out/down fees apply within first year)

2. Eligibility Criteria

• Entity Type: UAE-incorporated entities (LLC, sole establishment, free-zone companies), branches of foreign entities.
• Signatories: Each must hold valid UAE residence visa and Emirates ID.
• Trade License: Must be valid and match business activity.
• Package Segmentation: Business Choice tiers are reviewed monthly based on average balances; clients can upgrade/downgrade quarterly.

Account Maintenance & Transactions

Service	Business Choice Silver/Gold/Plat.	SmartStart	e-Business	Business First Essential/Exec/Exec Plus
Monthly Maintenance Fee (if below balance)	AED 150/200/300	N/A	AED 1,800/year	AED 262.50/840/1,732.50
Fall-Below Fee	N/A (maintenance fee applies)	N/A	N/A	N/A
Free Teller Transactions	15/30/Unlimited	N/A	N/A (online)	Unlimited
Additional Teller Transaction Fee	AED 10.50 each	N/A	N/A	N/A
Cash Deposit/Withdrawal (branch)	AED 10 per txn	AED 31.50	Free	AED 15.75 per txn
Utility Bill Payment (branch)	AED 10 per bill	Free	Free	AED 10.50 per bill
Duplicate Statement (per cycle)	Up to 3 months free; AED 5/page 3–12m; AED 50/page >12m	AED 26.25/month up to ≤6m; AED 26.25 >6m	Free	Free up to 3m; AED5/page 3–12m; AED50/page >12m
Cheque Photocopy	AED 25 each	AED 10 (<1y)/AED20(>1y)	N/A	AED 25

 

4.2 Cheque & Demand Draft Services

Service	All Packages
First Cheque Book	Silver: 4/year; Gold: 1/month; Platinum: unlimited; SmartStart/e-Business/Business First: 1/year
Additional Cheque Book	AED 31.50 per book
Cheques Returned (inward/outward)	AED 300 each
Stop Payment	AED 105 each
Demand Draft Issuance	AED 25 each
Demand Draft Cancellation	AED 50 each

 

4.3 Transfers & Remittances

Service	Over-Counter Fee	Online Fee
Local Funds Transfer (AED)	Free	Free (all accounts)
Outward Remittance (local TT)	Free Silver/Gold/Plat.; AED 5 branch for e-Business	Free
Outward Remittance (international TT – SWIFT)	AED 78.75	AED 1.05 per txn (1 free/month)
Inward Remittance Credit	Free	N/A
SWIFT Copy	AED 21	Free
Amendment/Investigation	AED 31.50	N/A
Cancellation/Recall	AED 105	AED 78.75

 

4.4 Digital & Channel Fees

Service	Fee
ProCash (soft token/mobile) One-Time Setup	Free
ProCash Monthly Maintenance	Free for Business Choice & Business First; AED 200 for call/fixed deposits
BusinessONLINE Internet Banking Setup	AED 400 one-time; AED 200/month maintenance
ADCB@Fax / eCommunicate Setup & Monthly	AED 50 setup; AED 100/month
Courier@Velocity	AED 400 setup; AED 100/month

 

4.5 Call & Fixed Deposits

Service	Fee
Call Account Below AED 5,000/ USD 1,500	AED 75/month
Premature Withdrawal Penalty (<1 month)	Nil interest
Premature Withdrawal Penalty (>1 month)	Applicable rate less 1%