Minimum Salary
3.000,00 د.إ
Bank of Sharjah offers two core Shari’ah-compliant retail accounts—Current Account and Savings Account—plus Notice Deposit Accounts for flexible-term savings. Eligibility, profit potential, and fee waivers vary by balance, residency, and account type.
| Feature / Package | Current Account | Savings Account | Notice Deposit Account |
| Shari’ah Structure | Qard Hasan (benevolent loan) | Mudarabah (profit-sharing) | Mudarabah |
| Target Customer | Residents aged ≥18 | Residents aged ≥18 | Residents & non-residents aged ≥18 |
| Available Currencies | AED, USD, GBP, EUR, CHF | AED, USD, GBP, EUR, CHF | AED, USD, GBP, EUR, CHF |
| Minimum Balance (Resident) | AED 3,000 (or equiv.) | AED 3,000 (or equiv.) | AED 3,000 |
| Minimum Balance (Non-Resident) | N/A | N/A | AED 50,000 |
| Monthly Fee if Below Minimum | AED 25; USD 20; GBP 10; EUR 20; CHF 20 | AED 25; USD 20; GBP 10; EUR 20; CHF 20 | AED 25; USD 20; GBP 10; EUR 20; CHF 20 |
| Profit Rate | N/A | Variable based on published rates; calculated on minimum monthly balance | Variable per tenor; no interest if balance < AED 500,000[1] |
| Profit Payout Frequency | N/A | Monthly | Semi-annual |
| Cheque Book | 1st free; AED 25/book (AED 1/cheque) | Not offered | Not offered |
| Debit Card | Free issuance & replacement¹ | Free issuance & replacement¹ | N/A |
| ATM & POS Benefits | Free at BOS ATMs; 4 free non-BOS UAE withdrawals/month; AED 2 thereafter; free POS | Same as Current Account | N/A |
| Digital & Branch Transfers | Free intra-BOS; AED 1 intra-UAE; AED 25 branch outward; AED 1 online outward | Same as Current Account | Same as Current Account |
¹ Replacement: AED 25; supplementary: AED 25.
Detailed Schedule of Fees & Charges
All fees exclusive of VAT; where applicable VAT is charged additionally.
Teller, ATM & Card Services
| Service | Charge—Current / Savings / Notice Deposit |
| Cash/Cheque withdrawal & deposit (branch) | AED 52.50/txn |
| ATM (BOS ATMs) | Free |
| ATM (Non-BOS UAE Switch) | 4 free/mo; AED 2/each thereafter |
| ATM (GCC) | AED 6.30/txn |
| ATM (International) | 2% of amount; min AED 20; max AED 100 |
| Debit Card issuance & replacement | Free; replacement AED 25 |
| Cheque book (Current only) | 1st free; AED 25/book |
| Copy of sales slip | AED 25 |
Funds Transfers & Remittances
| Service | Charge |
| Intra-BOS transfer (branch & online) | AED 5 / Free |
| Local interbank transfer (branch) | AED 25 |
| Local interbank transfer (online) | AED 1 |
| International SWIFT (branch) | AED 100 + corresponding fees |
| International SWIFT (online) | AED 50 + corresponding fees |
| Cancellation / amendment (branch) | AED 50 |
| Inward remittance (AED / FCY) | Free / AED 50 |
| Correspondent bank charges (OUR option) | AED 105 |
Cheque Services
| Service | Charge |
| Returned cheque | AED 100 + CBUAE fee |
| Stop payment | AED 50 |
| Cheque photocopy (<1 yr / >1 yr) | AED 10 / AED 21 |
| Post-dated cheque handling | Free |
| PDC retrieval | Free |
Miscellaneous & Account Maintenance
| Service | Charge |
| Duplicate statement (per cycle) | AED 25 |
| Statement outside cycle (per request) | AED 25 |
| Account closure (≤ 6 mo) | AED 100 |
| Balance / liability / release letter | AED 50 / AED 50 / AED 50 |
| Standing instruction setup / amendment / cancel | AED 50 / AED 50 / AED 50 |
| Dormant/reactivation | Free |
Account Benefits
Current & Savings Accounts
Notice Deposit Accounts
All personal accounts require:
For everyday banking, choose the Current Account; for profit-earning savings, open the Savings Account; to lock in higher rates over a term, use the Notice Deposit Account. Align your balance levels to avoid fall-below fees and maximize digital banking conveniences.
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