Minimum Salary
5.000,00 د.إ
CBD offers four Shari’ah-compliant current account packages—Direct Current, Personal Current, Elite Current, and Private Current—segmented by relationship tier and service level. Each package features tiered fee waivers, debit-card limits, lounge access, and digital banking privileges. Selecting the right package depends on your average balances, salary transfers, and desired lifestyle benefits.
| Feature / Package | Direct Current | Personal Current | Elite Current | Private Current |
| Target Customer | New-to-bank, digital-first | Mass-market | High-balance | High-net-worth |
| Minimum Balance | None | AED 5,000 (or equivalent) | None (waived by criteria) | None |
| Salary Transfer | Optional | AED 5,000/mo to waive balance fee | AED 5,000/mo or active loan/investment | AED 5,000/mo or active loan/investment |
| Monthly Balance Fee | AED 105 if fall-below AED 5,000 | AED 105 if fall-below AED 5,000 | Waived if any one of: salary ≥AED 5,000; loan; investment; direct invest account; credit card | Waived for all customers |
| Debit Card | Free issuance; replacement AED 26.25 | Free issuance; replacement AED 26.25 | Free issuance & replacement | Free issuance & replacement |
| Daily ATM Withdrawal Limits | AED 10,000 (CBD ATM)
AED 5,000 (Non-CBD) |
AED 20,000 (CBD ATM)
AED 5,000 (Non-CBD) |
AED 30,000 (CBD ATM)
AED 5,000 (Non-CBD) |
AED 50,000 (CBD ATM)
AED 5,000 (Non-CBD) |
| Daily POS Purchase Limits | AED 10,000 | AED 20,000 | AED 50,000 | AED 100,000 |
| VIP Lounge Access | — | — | Complimentary (UAE, GCC & select intl.) | Complimentary (UAE, GCC & select intl.) |
| Digital Banking | Full features | Full features | Priority digital support | Dedicated relationship manager & digital concierge |
| Cheque Book | First free; AED 26.25/book | First free; AED 26.25/book | First free; AED 26.25/book | First free; unlimited free books |
Detailed Schedule of Fees & Charges
All fees include 5% VAT where applicable.
Account Maintenance & Minimum Balance
| Service | Charge |
| Monthly average balance fee | AED 105 if avg. balance < AED 5,000 |
| Negative balance fee | AED 200 per month |
| Account closure within first 6 months | AED 105 |
ATM & Debit Card Services
| Service | Direct & Personal | Elite & Private |
| CBD ATM withdrawal/deposit/inquiry | Free | Free |
| Non-CBD UAE ATM withdrawal | AED 2/txn | AED 2/txn |
| Non-CBD UAE ATM inquiry | AED 1/txn | AED 1/txn |
| GCC ATM withdrawal/inquiry | AED 6/txn / AED 3/txn | Free |
| International ATM withdrawal | AED 20/txn | Free |
| Debit card issuance | Free | Free |
| Debit card replacement | AED 26.25 | Free |
| Copy of sales slip | AED 26.25 | Free |
Funds Transfers & Remittances
| Service | Branch Fee | Online Fee |
| Local AED transfer | AED 5.25 | AED 1.05 |
| GCC transfer | AED 78.75 | AED 15.75 |
| Other currencies transfer | AED 84 | AED 21 |
| International SWIFT/Telex (GCC/Other countries) | AED 78.75/ 84 | AED 15.75/ 21 |
| Flash remittance (IN/PK/PH/BD) | Nil / AED 10.50 | Nil / Nil |
| Cancellation/amendment | AED 31.50 | AED 31.50 |
| SWIFT copy | AED 15.75 | AED 15.75 |
Cheque Services
| Service | Charge |
| Cheque book (25 leaves) | First free; AED 26.25/book |
| Cheque return (per instrument) | AED 241.50 |
| Stop payment | AED 105 |
| Cheque photocopy (< 1 yr / > 1 yr) | AED 10.50 / AED 21 |
| Post-dated cheque collection/withdrawal | AED 15.75 / AED 52.50 |
Digital & Miscellaneous Services
| Service | Aspire/Direct | Personal | Elite | Private |
| Standing instruction setup/amend/amend/cancel | AED 52.50 / AED 105 | Free | Free | Free |
| Utility bill payment (teller) | AED 52.50 | Free | Free | Free |
| Statement outside cycle (per cycle) | AED 26.25 | Free | Free | Free |
| Account balance/liability/release letter | AED 52.50 / AED 63 / AED 52.50 | AED 52.50 / AED 63 / AED 52.50 | Free | Free |
| Dormant/reactivation | Free | Free | Free | Free |
All CBD personal current accounts require:
No minimum initial deposit required.
Align your salary transfer and average relationship balances with tier criteria to unlock maximum fee waivers, rewards, and premium services.
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