Minimum Salary
25.000,00 د.إ
Commercial Bank of Dubai offers two primary SME–focused business current accounts—My Business and My Business Plus—and three premium-tier packages—Gold, Premium, and Platinum—each featuring distinct minimum balance requirements, maintenance/fall-below fees, and free transaction allowances. Eligibility requires a valid UAE trade license, Emirates ID for authorized signatories, and standard corporate documents. Detailed service charges apply beyond free allowances.
Account Packages & Core Features
| Feature | My Business | My Business Plus | Gold | Premium | Platinum |
| Min. Avg. Balance (AED) | 25,000 | 150,000 | 350,000 | 750,000 | 3,000,000 |
| Monthly Maintenance Fee | Waived if ≥ 25,000; else 105 | Waived if ≥ 150,000; else 250 | Waived if ≥ 350,000; else 350 | Waived if ≥ 750,000; else 750 | Waived if ≥ 3m; else 1,500 |
| Fall-Below Fee (AED/month) | 105 | 250 | 350 | 750 | 1,500 |
| Free Teller Transactions/month | 3 | 10 | 20 | 40 | Unlimited |
| Teller Fee thereafter (AED/txn) | 10.50 | 10.50 | 10.50 | 10.50 | N/A |
| Debit Card Issuance & Replacement | Free / 25 | Free / 25 | Free / 25 | Free / 25 | Free / 25 |
| Choice of Currencies | AED, USD, GBP, EUR, JPY, CNY | Same | Same | Same | Same |
| Dedicated RM & Benefits | No | No | Yes | Yes | Yes |
Fee waived if any one criterion met: minimum balance, salary transfer of AED 5,000+, or active CBD loan/invest account.
Detailed Schedule of Fees
1 . Account Maintenance & Teller Transactions
| Service | My Business | My Business Plus | Gold / Premium / Platinum |
| Monthly Maintenance Fee† | AED 105 | AED 250 | AED 350 / 750 / 1,500 |
| Fall-Below Fee | AED 105 | AED 250 | AED 350 / 750 / 1,500 |
| Free Teller Txns/month | 3 | 10 | 20 / 40 / Unlimited |
| Additional Teller Txn Fee | AED 10.50 | AED 10.50 | AED 10.50 |
| Cash Deposit (branch) | Free | Free | Free |
| Cash Withdrawal (branch) | AED 10 | AED 10 | AED 10 |
| Bulk Cash Deposit (> 500 k) | 0.05% of amount | 0.05% | 0.05% |
| Bulk Cash Withdrawal (> 500 k) | 0.05% | 0.05% | 0.05% |
Waived if balance or alternative criteria met.
2 . Cheque & Draft Services
| Service | Fee (AED) |
| First Cheque Book (50 leaves) | Free |
| Additional Cheque Book | AED 50 per book |
| Cheque Return (inward/outward) | AED 26.25 + correspondent |
| Stop Payment | AED 52.50 per instruction |
| Manager’s Cheque / Demand Draft Issuance | AED 78.75 per instrument |
| Manager’s Cheque / Demand Draft Cancellation | AED 52.50 per instruction |
3 . Remittances & Transfers
| Service | Branch Fee (AED) | Online Fee (AED) |
| Local Transfer (CBD⇄CBD) | Free | Free |
| Local Transfer (to other UAE banks) | AED 5.25 | AED 1.05 |
| International Transfer (BEN/ SHA) | AED 5.25 | AED 1.05 |
| International Transfer (OUR) | AED 6.30 | AED 2.10 |
| SWIFT Copy | AED 21 | Free |
| Amendment / Investigation | AED 52.50 | N/A |
| Cancellation / Recall | AED 105 | AED 105 |
4. Digital & Other Services
| Service | Fee (AED) |
| Duplicate Statement (per cycle) | Free ≤ 3 months; AED 5/page 3–12m; AED 50/page > 12 m |
| Account Closure (≤ 6 months) | AED 105 |
| Dormant Account Charge (annual) | AED 105 |
| Balance Certificate | AED 100 |
| Liability / No-Liability Certificate | AED 250 |
| Audit Confirmation Report | AED 300 |
| Trade License Update (branch) | AED 150 |
| SMS Banking (after first 5 free messages/mo) | AED 0.20 per message |
5. Package Comparison Highlights
Choose My Business for low-transaction startups, My Business Plus for expanding SMEs, and Gold/Premium/Platinum for high-volume businesses seeking extensive free branch transactions and relationship management.
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