Minimum Salary
0,00 د.إ
United Arab Bank (UAB) offers three core personal accounts—Current Account, Savings Account, and Call Account—plus a Payroll Variant that waives minimum-balance fees. Each account features Shari’ah-compliant structures, tiered fee waivers, competitive profit or non-interest terms, and a comprehensive digital and branch service suite.
| Feature / Account | Current Account | Savings Account | Call Account | Payroll Variant |
| Shari’ah Structure | Qard Hasan | Mudarabah | Mudarabah | Qard Hasan / Mudarabah |
| Target Customer | ≥ 18 years; UAE nationals & residents | ≥ 18 years; UAE nationals & residents | ≥ 18 years; UAE nationals & residents | Salaried customers |
| Min. Average Balance | AED 3,000 (USD/EUR/GBP 1,000) | AED 3,000 (USD/EUR/GBP 1,000) | AED 3,000 (USD/EUR/GBP 1,000) | Salary transfer ≥ AED 3,000/mo |
| Monthly Fee if Breach | AED 26.25 (USD/EUR 15.75; GBP 10.50) | AED 26.25 (USD/EUR 15.75; GBP 10.50) | AED 26.25 (USD/EUR 15.75; GBP 10.50) | Waived |
| Eligibility Documents | Emirates ID; passport/visa; proof of income for waivers | Same as Current | Same as Current | Salary certificate + Current acc’t |
| Feature / Account | Current Account | Savings Account | Call Account | Payroll Variant |
| Profit / Interest | N/A | Mudarabah profit pool 50% share[2] | Mudarabah profit pool 50% share[2] | Savings: profit; Current: N/A |
| Profit Payout | N/A | Semi-annual (June & Dec)[2] | Semi-annual (June & Dec)[2] | As per linked account |
| Debit Card | Free issuance; PIN & replacement free | Free issuance; replacement AED 25 | Free issuance; replacement AED 25 | Free issuance & replacement |
| Cheque Book | First free (10 leaves); AED 1/leaf extra | Not offered | Not offered | First free; AED 1/leaf extra |
| Digital Banking | UAB Online & Mobile App; UAE Pass eKYC | UAB Online & Mobile App | UAB Online & Mobile App | UAB Online & Mobile App |
| Utility Payments | Free (online & ATM)[3] | Free | Free | Free |
All fees inclusive of 5% VAT where applicable.
| Service Category | Service | Fee / Charge |
| Account Opening | One-time | Free |
| Monthly Fall-Below Fee | Balance < AED 3,000 | AED 26.25 (USD/EUR 15.75; GBP 10.50) |
| Account Closure (≤6 mo) | Closure within first 6 months | AED 105 |
| Dormant Account Reactivation | Reactivation after dormancy | Free |
| Teller Transactions | Cash/Cheque withdrawal & deposit beyond free | AED 10 per txn |
| ATM & Card Services | UAB ATM (withdrawal, deposit, inquiry) | Free |
| Non-UAB UAE ATM withdrawal | AED 2 per txn | |
| GCC ATM withdrawal | AED 6 per txn | |
| International ATM withdrawal | AED 20 per txn | |
| Debit card replacement | AED 26.25 | |
| Funds Transfers | UAB-to-UAB transfers (branch & digital) | Free |
| Interbank UAE (digital) | Free | |
| Interbank UAE (branch) | AED 5.25 + AED 1 CB fee | |
| International SWIFT (BEN/SHA digital) | AED 25 | |
| International SWIFT (OUR branch) | AED 75 + correspondent fees | |
| Standing Instructions | Setup (branch/online); amendment; cancellation | AED 26.25 / Free; AED 26.25 |
| Statements & Certificates | Outside cycle statement; duplicate | AED 26.25 / Free |
| Balance / liability / release letter | AED 52.50 / AED 63 / AED 52.50 | |
| Utility Bill Payment | Teller; digital | AED 10 / Free |
N/A
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