Al Maryah Community Bank Personal Account

Minimum Salary
5.000,00 د.إ

Description

Al Maryah Community Bank’s Current & Savings (CASA) and “Eyalna” Minor Savings accounts feature no minimum balance and no maintenance fees, with digital-first conveniences, competitive profit rates on savings, and free life-of-account services. Key benefits include instant account opening via UAE Pass, free debit cards (physical & virtual), and unlimited UAE transfers.

Features

Account Package Overview

Feature	Current & Savings (CASA)	“Eyalna” Minor Savings
Product Type	Transaction + Savings	Minors’ Savings (13 and under)
Shari’ah Structure	Mudarabah (savings portion) / Qard Hasan (current portion)	Mudarabah
Minimum Balance	None	AED 1,000¹
Profit Eligibility	Savings balance ≥ any amount (no floor)²	Balance ≥ AED 1,000³
Profit Rate	Variable (published monthly)	1.5% p.a. fixed (Gen α deposit)
Profit Payment	Monthly	Twice monthly⁴
Debit Card	Free physical & virtual	Free physical & virtual
Cheque Book	Available on request (AED 26.25/book)	Not applicable
Digital Banking	Full-featured app & web banking	Full-featured app & web banking
Account Opening	Instant via UAE Pass	Parent/guardian via UAE Pass

¹ Gen α deposit minimum; balances below earn no profit.
² Profit paid on entire month’s lowest daily savings balance.
³ Eyalna requires initial deposit; subsequent top-ups allowed.
⁴ Applies if accrued interest > AED 2; otherwise no payment.

Detailed Schedule of Fees & Charges

All fees inclusive of 5% VAT where applicable

Service Category	Service Description	Charge
ATM Services	Al Maryah & partner ADNOC ATMs	Free withdrawal, deposit, inquiry
	Other UAE ATMs (Switch)	AED 2.10 per withdrawal
	GCC ATMs	AED 6.30 per withdrawal
	International ATMs	AED 15.75 per withdrawal
Funds Transfers	Within Al Maryah & UAE (UAEFTS)*	Free
	SWIFT/Foreign currency transfers	AED 21 per transaction
Card & Digital Services	Debit card issuance & replacement	Free
	Virtual debit card activation	Free
	E-Statement & SMS alerts	Free
Cheque Services (CASA only)	Cheque book issuance	AED 26.25 per book
	Stop payment	AED 52.50 per cheque
	Returned cheque	AED 241.50 per cheque
	Cheque copy	AED 21 per copy
Account Maintenance	Dormant/reactivation	Free
	Account closure (≤ 6 months)	AED 100
Miscellaneous	Statement request (outside cycle)	AED 21 per request
	Standing instruction setup/amend/cancel	AED 52.50
	Utility bill payment (in-app only)	Free

* Including intra-bank and Interbank UAE funds transfers via Al Maryah Mobile App

Account Benefits

Current & Savings (CASA)

Instant digital account opening (UAE Pass)
Free-for-life physical and virtual debit cards
Unlimited free transfers within UAE and partner ATM network
Competitive monthly profit on savings balances
Free utility payments via app
No salary or minimum deposit requirements

“Eyalna” Minor Savings

Parental control via app (spend limits, activity alerts)
Interest on children’s savings with dual profit payment
Virtual cards for controlled online spending
Educational in-app savings goals and milestones
Free transfers & e-statements

Documents Required

Age & Residency:
– CASA: ≥ 18 years; UAE nationals, GCC nationals, resident expatriates
– Eyalna: Child ≤ 13 years; parent/guardian as accountholder

Documents:
– Emirates ID (original & copy)
– Passport copy (self-attested)
– UAE residence visa (expatriates)
– Guardian’s Emirates ID & consent (Eyalna)
– Utility bill for address verification (if required)

Additional Info

For everyday banking with free unlimited UAE transfers and competitive profit, choose CASA. To build savings for children, open an Eyalna account for digital empowerment and controlled spending.