Minimum Salary
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Standard Chartered UAE’s Smart Banking and Priority Banking packages cater to different customer segments—Smart for everyday banking with modest balance requirements, and Priority for affluent customers seeking premium services, fee waivers, and higher interest. Selecting the right package depends on your average balances, salary credits, and desired banking privileges.
| Package | Qualification Criteria | Monthly Fee if Criteria Not Met |
| Smart Banking | Maintain AED 3,000 average monthly balance | AED 25/month |
| Priority Banking | Salary transfer ≥ AED 15,000 OR relationship balance ≥ AED 200,000 | Waived if criteria met; else AED 200 |
| Feature / Package | Smart Banking | Priority Banking |
| Account Type | Current & Savings | Current & Savings |
| Minimum Balance for Profit | AED 3,000 | AED 3,000 |
| Savings Interest Rate | 0.01% p.a. on daily balance | 0.25% p.a. on daily balance |
| Debit Card | Standard Visa debit | Platinum Visa debit; unlimited replacements |
| ATM Withdrawals (SCB) | Free | Free |
| Non-SCB UAE ATMs | AED 2.10/txn after 4 free | Unlimited free |
| International ATM | AED 15.75/txn | Unlimited free |
| Global Transfers | AED 25/txn (online) | Unlimited free online |
| Local Transfers (UAEFTS) | Free (online); AED 15 (branch) | Free (online & branch) |
| Cheque Book | First free; AED 25/book | Unlimited free |
| Teller Transactions (branch) | 4 free/month; AED 20/txn thereafter | Unlimited |
| FX Mark-up | 2.5% | 1.5% |
| Relationship Management | — | Dedicated Relationship Manager |
| Priority Service | — | Priority hotline & branch service |
| Lounge Access | — | Two Priority Pass visits per quarter¹ |
| Welcome Bonus | AED 100 upon new-to-bank criteria² | AED 500 upon new-to-bank criteria² |
¹ Subject to availability; visit limit applies.
² Credits applied within 60 days of meeting criteria.
Detailed Schedule of Fees & Charges
All fees inclusive of 5% VAT where applicable.
| Service Category | Service | Smart / Priority |
| Account Maintenance | Fall-below fee (balance < AED 3,000) | AED 25 / Waived |
| Account Opening | One-time | Free / Free |
| Account Closure (≤6 mo) | Early closure | AED 100 / AED 100 |
| Teller Transactions | Cash/cheque withdrawal & deposit beyond free | AED 20 / AED 20 |
| ATM & Card Services | SCB ATM (withdrawal, deposit, inquiry) | Free / Free |
| Non-SCB UAE ATM withdrawal | AED 2.10 after 4 free / Unlimited | |
| GCC ATM withdrawal | AED 6.30 / AED 6.30 | |
| International ATM withdrawal | AED 15.75 / Free | |
| Debit card issuance & renewal | Free / Free | |
| Debit card replacement | AED 25 / Free | |
| Funds Transfers – Digital | SCB-to-SCB & UAEFTS | Free / Free |
| International transfers (BEN/SHA) | AED 25 / Free | |
| International transfers (OUR – branch) | AED 75 + correspondent fees / AED 75 + correspondent fees | |
| Funds Transfers – Branch | Local interbank | AED 15 / Free |
| International transfers (BEN/SHA) | AED 50 / AED 25 | |
| International transfers (OUR) | AED 100 + fees / AED 75 + fees | |
| Stop Payment | Per cheque | AED 100 / AED 100 |
| Returned Cheque | Per cheque | AED 150 / AED 150 |
| Statements & Certificates | Duplicate statement | AED 25 / Free |
| Statement outside cycle | AED 25 / AED 25 | |
| Balance/No-liability letter | AED 50 / Free | |
| Standing Instructions | Setup/amend/cancel | AED 26.25 / Free |
Account Benefits Summary
Smart Banking:
Priority Banking:
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