Minimum Salary
5.000,00 د.إ
CBI offers three main retail personal accounts—CBI First Current Account, CBI First Savings Account, and CBI Mabrook Savings Account—each with no monthly maintenance fee (subject to minimum balance requirements), competitive interest or profit rates, and free digital banking. Selecting the optimal package depends on your balance levels, transaction patterns, and desire for complimentary banking services.
| Feature / Package | CBI First Current Account | CBI First Savings Account | CBI Mabrook Savings Account |
| Product Type | Non–profit bearing (Qard Hasan) | Interest bearing (0.15% p.a.) | Interest bearing (0.20% p.a.)¹ |
| Minimum Daily Balance | None | AED 1,000 (else AED 25/mo fee)² | AED 5,000 (else AED 25/mo fee)³ |
| Monthly Maintenance Fee | None | AED 25 if balance < AED 1,000² | AED 25 if balance < AED 5,000³ |
| Profit / Interest Payout | N/A | Semi-annual on lowest daily balance | Quarterly on lowest daily balance |
| Debit Card | Free issuance & replacement | Free issuance & replacement | Free issuance & replacement |
| ATM Withdrawals (CBI network) | Free (fair-usage 20 txn/mo) | Free (20 txn/mo) | Free (20 txn/mo) |
| Non-CBI ATM Withdrawals | 4 free/month; then AED 2/txn | Same as Current | Same as Current |
| Teller Transactions (branch) | 20 free/mo; then AED 10/txn | Same as Current | Same as Current |
| E-Statements & Alerts | Free monthly | Free monthly | Free monthly |
| Online/Phone Banking | Free | Free | Free |
| Account Benefits | Dedicated RM; priority customer service; free cheque book (25 leaves/year); phone & mobile banking | Dedicated RM; relationship-based advisory; e-statement images; bill payments | Dedicated RM; enhanced interest; goal-based savings tools; festival bonus⁴ |
¹ Indicative; subject to change.
² Balances below AED 1,000 incur AED 25 fee per calendar month.
³ Balances below AED 5,000 incur AED 25 fee per calendar month.
⁴ Mabrook customers receive seasonal bonus interest credits.
Detailed Schedule of Fees & Charges
All fees exclusive of VAT; where VAT applies, it is added to the listed charge.
| Service Category | Service | Fee / Charge |
| Account Maintenance | Minimum daily balance breach | AED 25/mo (Savings < AED 1,000; Mabrook < AED 5,000) |
| Account closure (≤ 6 mo) | AED 50 | |
| Teller & Branch Services | Cash/Cheque withdrawal & deposit | 20 free/mo; AED 10 each thereafter |
| Statement copy (branch) | Free (max 6/year); AED 10/mo copy | |
| Duplicate statement (per cycle) | AED 10 | |
| ATM Services | CBI ATM (withdrawal, inquiry, deposit) | Free (fair usage 20 txn/mo) |
| Non-CBI UAE ATM withdrawals | 4 free/mo; AED 2 each additional | |
| GCC ATM withdrawals | AED 6.30/txn | |
| International ATM withdrawals | AED 15/txn | |
| Card Services | Debit card issuance & supplementary | Free |
| Debit card replacement | AED 25 | |
| Funds Transfers | CBI-to-CBI transfers | Free |
| Local interbank (online) | Free | |
| Local interbank (branch) | AED 5 | |
| International SWIFT (online) | AED 50 + correspondent bank charges | |
| International SWIFT (branch) | AED 100 + correspondent bank charges | |
| Amendments/cancellations | AED 25 | |
| Cheque Services | Cheque book issuance (25 leaves) | Free (Current); N/A (Savings/Mabrook) |
| Cheque return (per cheque) | AED 100 + correspondents’ fees | |
| Stop payment | AED 25 | |
| Cheque photocopy | AED 21 | |
| Miscellaneous | Standing instruction setup/amend/cancel | Free† (SI setup free online; branch AED 50) |
| Liability / balance certificate | AED 25 | |
| Utility bill payment (branch) | AED 10 | |
| Dormant/reactivation | Free |
† Standalone SI setup via branch: AED 50.
All personal accounts require:
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