1. Package Segmentation & Eligibility

Tier	Criteria	Monthly Fee if Criteria Not Met
Aspire	TRB ≥ AED 20,000 or salary transfer ≥ AED 15,000, or salary < AED 15,000 with any ADCB credit/overdraft/loan	AED 25 (Tier 2) or AED 100 (Tier 3)
Privilege Club	TRB ≥ AED 200,000 or salary transfer ≥ AED 20,000 or mortgage ≥ AED 1 million	AED 150
Excellency	TRB ≥ AED 500,000	AED 200

 

• Total Relationship Balance (TRB): Sum of CASA average balances, fixed deposits, investment holdings, and ADCB securities at market value.
• Salary Transfer: Direct credit to any ADCB account. Cash or cheque credits excluded.

Account Benefits by Tier

Aspire

• TouchPoints: 15 points per AED 1,000 TRB
• Free digital banking, ATM, and inbound AED remittances
• 3 free chequebooks (10 leaves each) per year

Privilege Club

• TouchPoints: 20 points per AED 1,000 TRB
• Priority service line and fee waivers on teller transactions, standing instructions
• 8 free chequebooks per quarter (10 leaves each)

Excellency

• TouchPoints: 25 points per AED 1,000 TRB
• Dedicated Relationship Manager and bespoke offers
• Unlimited free chequebooks (25 leaves each)

4. Key Fees & Charges

All fees inclusive of 5% VAT unless otherwise stated.

Teller & Cheque Services

Service	Aspire	Privilege Club / Excellency
Cash/Cheque Withdrawal & Deposit (branch)	AED 52.50/txn	Free
Chequebooks (10 leaves)	3 free/year; AED 52.50/additional	8 free/quarter; AED 52.50/additional (Privilege) / Free (Excellency)
Return Cheque	AED 241.50	AED 241.50
Stop Payment	AED 105	AED 105
Cheque Photocopy (<1 yr/>1 yr)	AED 10.50/ AED 21	Free

 

ATM & Card Services

Service	Aspire	Privilege Club / Excellency
ADCB ATM (withdrawal, deposit, inquiry)	Free	Free
Non-ADCB UAE ATM withdrawal	1 free/month; then AED 2.10/txn	AED 2.10/txn
GCC ATM withdrawal	2 free/month; then AED 6.30/txn (Aspire) / AED 3.15/txn (Privilege & Excellency)	Same
International ATM withdrawal	AED 21/txn	AED 21/txn
Debit Card issuance & replacement	Free primary & 1st supplementary; AED 26.25 thereafter	Free
Foreign currency transaction margin (non-AED)	2.49%	2.49%
Copy of sales slip	AED 26.25	AED 26.25

 

Funds Transfers & Remittances

Service	Aspire	Privilege Club / Excellency
Intra-ADCB transfers (branch & digital)	Free	Free
AED transfers within UAE (Central Bank)	AED 0.50/txn (branch & digital)	AED 0.50/txn
All other transfers (SWIFT/Telex)	AED 78.75/branch; AED 31.50/digital*	AED 31.50/txn
Remittances correspondent charges	Free; AED 105 for “OUR” option	Free; AED 105 for “OUR” option
Inward remittance (AED / FCY)	Free / AED 10.50	Free
Cancellations/amendments (branch)	AED 31.50	AED 31.50
SWIFT copy	AED 15.75	AED 15.75

 

* One free SWIFT-type transfer per month on digital channels.

Digital & Miscellaneous Services

Service	Aspire	Privilege Club / Excellency
Standing instruction setup/amendment/cancellation	AED 52.50 / AED 105	Free
Utility bill payment (teller / digital)	AED 52.50 / Free	Free
Statement (outside cycle)	AED 26.25/month (max AED 105 per request)	Free
Account closure ≤ 6 months	AED 105	AED 105
Account balance/no-liability/release letter	AED 52.50–63	Free