Package Segmentation & Eligibility

Tier	Salary Transfer Criteria	Monthly Fee if Criteria Not Met
Select	None	AED 26.25
Advantage	AED 5,000–24,999	Free
Priority	AED 25,000–49,999 (Expats); ≥ AED 50,000 (UAE Nationals)	Free
Private	AED 50,000+ (Expats); invitation only (UAE Nationals)	Free

 

• Salary transfer must be by direct credit to Emirates Islamic account.
• Meeting salary criteria also waives average-balance fall-below fees and select service charges.

Account Features & Benefits

Feature / Tier	Select	Advantage	Priority	Private
Profit Rate	Not applicable (Current only)	Up to 0.20%¹	Up to 0.40% (High-Value Salary)²	Personalized profit on pool performance³
Profit Payout	N/A	Quarterly	Quarterly	Quarterly
Current & Savings	Separate Current & Savings accounts	Separate Current & Savings accounts	Separate Current & Savings accounts	Separate Current & Savings accounts
Fall-Below Fee	AED 26.25/month	Waived	Waived	Waived
Chequebook	First free; AED 26.25/book	First free; thereafter free	Unlimited free	Unlimited free
Debit Card	Free issuance & first renewal	Free issuance & renewal	Free issuance, renewal & replacement⁴	Premium metal card; concierge service
ATM (EI/Network)	Free withdrawal & deposit	Free	Free	Free
Non-EI ATM (UAE Switch)	AED 2/txn	Free	Free	Free
Teller Transactions	6 free/month; AED 10.50 thereafter	Unlimited	Unlimited	Unlimited
International Remittances	Not included	1 free/month	2–3 free/month⁵	3+ free/month
Lounge Access	—	—	Complimentary UAE & GCC airport lounges	Global lounge access
Welcome Bonus	—	AED 500 (Advantage only)	AED 1,000–1,300 (Priority tiers)⁶	Negotiable

 

¹ Based on quarterly pool performance; subject to change.
² “High-Value Salary” sub-tier of Priority for UAE nationals.
³ Private tier profit pool weighted by relationship value.
⁴ Debit card replacement free for Priority & Private.
⁵ Expats: 2 free Priority; UAE nationals: 3 free.
⁶ Paid upon meeting salary and product criteria within two months of opening.

 

Detailed Schedule of Key Fees

All charges inclusive of 5% VAT where applicable.

Service Category	Service	Select	Advantage	Priority / Private
Account Maintenance	Fall-below fee (average monthly balance)	AED 26.25/month	Waived	Waived
Teller Transactions	1–6 free/month; AED 10.50/txn thereafter	6 free; AED 10.50	Unlimited	Unlimited
ATM Services	EI ATM (withdrawal, deposit, inquiry)	Free	Free	Free
	Non-EI UAE ATM withdrawal	AED 2/txn	Free	Free
Cheque Services	Chequebook (10 leaves)	First free; AED 26.25	First free; Free	Unlimited free
	Stop payment	AED 105	Waived¹	Waived¹
	Returned cheque	AED 315	Waived¹	Waived¹
Debit Card	Issuance & renewal	Free	Free	Free
	Replacement	AED 26.25	Free	Free
Digital Transfers	Local UAEFTS & intra-bank (digital)	Free	Free	Free
	Local branch interbank	AED 21	Waived	Waived
International Transfers	SWIFT (BEN/SHA online)	AED 21	AED 21 (1 free)	AED 21 (2–3 free)
	SWIFT (OUR branch)	AED 105	AED 105	AED 105
Statements	Outside cycle (per request)	AED 26.25	Waived	Waived
Account Closure	Within 6 months	AED 210	AED 210	AED 210
Certificates & Letters	Balance/No-liability/Release	AED 63	Waived	Waived

 

¹ Stop, return, and related cheque fees waived for Advantage and above.

Account Benefits Summary

• Select: Basic digital banking with low salary requirement, modest fees, and essential debit-card services.
• Advantage: Salary-linked fee waivers, welcome bonus, and quarterly profit on savings.
• Priority: Enhanced profit rates, free remittances, priority service, and limited lounge access.
• Private: Fully bespoke banking, premium concierge, global lounge access, and personalized profit allocation.