Schedule of Charges (PDF) by liuhongmei

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									                                                                                                                                                                                                                                                                                     Schedule of Charges
                                                         Personal Banking                                                                                                               Personal Banking                                                                                                                                              Personal Banking
                  Charges                                     Classic    Plus/Youth/Ladies               Select                              Charges                                       Classic                  Plus/Youth/Ladies                           Select                                     Charges                                      Classic              Plus/Youth/Ladies                     Select

Minimum monthly average relationship              AED 3000               AED 3000*              AED 50000*               Certification & letters                                                                                                                                       Deferment                                               AED 100
balance (applicable for savings variant)
                                                                                                                         Account balance letter                                  AED 50 per cert.                  AED 50 per cert.                  AED 40 per cert.                  Temporary Release of Mortgage                           Free
Minimum monthly salary transfer                   < AED 2500             AED 2500               AED 8000
(applicable for salary variant)                                                                                          Liability letter                                        AED 100                           AED 100                           AED 100                           Change of registration                                  Free
Fee for non-maintenance of balance                AED 25 per month       AED 25 per month       AED 25 per month         No liability letter                                     AED 100                           AED 100                           AED 100                           Partial Payment (only valid for 3 and                   1% of payment made
(applicable for savings variant)                                                                                                                                                                                                                                                       above instalments)
                                                                                                                         Attestation of signature                                AED 50                            AED 50                            AED 45
Non-receipt of salary                             Free                   Free                   Free                                                                                                                                                                                   Rescheduling Fee                                        AED 250
                                                                                                                         Bulk cash deposit & withdrawal at                       Free                              Free                              Free
Account opening fee                               Free                   Free                   Free                     teller counter                                                                                                                                                Change of due date on standing                          Free
                                                                                                                                                                                                                                                                                       instructions
Value Account (monthly fee variant)               Free                   Free                   Free                     Issue of IPO/rights issues by order                     Free                              Free                              Free
                                                                                                                                                                                                                                                                                       NOC to Traffic Department                               Free
Teller fees (cash deposit, cash                   6 transactions per     8 transactions per     10 transactions per      Safe deposit lockers
withdrawals, internal fund transfer,              month free; thereafter month free; thereafter month free; thereafter
cheque deposit)                                   AED 10 per transaction AED 10 per transaction AED 10 per transaction   Rentals per annum                                                                                                                                             Home loans

                                                                                                                          Small                                                  Free                              Free                              Free                              Processing fee                                          1% of the total loan amount, AED 5000 minimum payable
Cheque book charge                                N/A                    First cheque book      First cheque book
(for 25 leaf cheque book)                                                (25 leaves) free;      (25 leaves) free;         Medium                                                 Free                              Free                              Free                              Pre-approval fee (prior to identifying                  AED 1000
                                                                         thereafter AED 25      thereafter AED 20                                                                                                                                                                      a property)
                                                                                                                          Large                                                  Free                              Free                              Free                              Property insurance                                      0.05% per annum on the sum assured
Cheque returned charges                           N/A                    AED 100                AED 100
                                                                                                                          Extra-large                                            Free                              Free                              Free
                                                                                                                                                                                                                                                                                       Borrower's life insurance                               0.40% per annum of the outstanding loan amount
Statement charges
                                                                                                                          Over-size                                              Free                              Free                              Free
Request for the copy                              AED 5 for 25           AED 5 for 25           AED 5 for 25                                                                                                                                                                           Late payment fee                                        AED 500
of statement                                      transactions, max of   transactions, max of   transactions, max of     Key deposit                                             Free                              Free                              Free
                                                                                                                                                                                                                                                                                       Loan cancellation fee                                   Processing Fee non-refundable
                                                  AED 20 per request     AED 20 per request     AED 20 per request
                                                                                                                         Replacement of lock/key                                 Free                              Free                              Free
Request for non-standard                          AED 25 pa              AED 25 pa              AED 25 pa                                                                                                                                                                              No liability letter                                     AED 200
statement frequency                                                                                                      Other services                                                                                                                                                Liability letter                                        AED 200
* Not required for Loans/Credit Cards/Overdrafts customers.                                                              Hold mail                                               Free                              Free                              Free
                                                                                                                                                                                                                                                                                       Prepayment fee - top up loan                            1% of outstanding amount
Request for the copy of old cheques                                                                                      Investigations                                          Free                              Free                              Free
                                                                                                                                                                                                                                                                                       Prepayment fee - own sources                            2% of amount prepaid if within the first two years, thereafter 1%
Less than 1 year                                  N/A                    AED 10 per copy        AED 10 per copy          T.C. purchase                                           AED 20                            AED 20                            AED 20
                                                                                                                                                                                                                                                                                       Prepayment fee - settlement from                        3% of outstanding amount
Over 1 year                                       N/A                    AED 20 per copy        AED 20 per copy                                                                                                                                                                        another bank
                                                                                                                         Postage
Account closure (within 1 year)                   AED 100                AED 100                AED 100                                                                                                                                                                                Change of product scheme                                1% of outstanding amount
                                                                                                                         UAE                                                     Free                              Free                              Free
Dormant account charges                           AED 100 per year       AED 100 per year       AED 100 per year                                                                                                                                                                       Rescheduling fee                                        Free
                                                                                                                         Other                                                   Free                              Free                              Free
                                                                                                                                                                                                                                                                                       Change in security                                      AED 2000
Remittances                                                                                                              Faxes
Demand draft (for account holders)                AED 30                 AED 30                 AED 15                   UAE                                                     Free                              Free                              Free                              Change in borrower/property ownership                   AED 2000
                                                                                                                                                                                                                                                                                       details
Telegraphic transfer (for account holders)                                                                               Other                                                   Free                              Free                              Free                              Copies of property related documents                    AED 100 per instance per document requested
Local currency (within UAE)                       AED 50                 AED 50                 AED 40
                                                                                                                         Courier
Foreign currency to home country and              AED 75                 AED 75                 AED 60                                                                                                                                                                                 Office loans
                                                                                                                         UAE                                                     Free                              Free                              Free
GCC countries                                                                                                                                                                                                                                                                          Processing fee                                          2% of the total loan amount
Foreign currency to all other countries           AED 90                 AED 90                 AED 75                   Other                                                   Free                              Free                              Free
                                                                                                                                                                                                                                                                                       Pre-approval fee (prior to identifying                  AED 1000
Direct transfer to Bank of Beirut                 AED 25                 AED 25                 AED 20                   Telex/cable/SWIFT messages (based on the length of the message)                                                                                               a property)

                                                                                                                         UAE                                                     Free                              Free                              Free                              Property insurance                                      0.05% per annum on the sum assured
Cancellation of demand draft                      Free                   Free                   Free
                                                                                                                         Other                                                   Free                              Free                              Free                              Borrower's life insurance                               0.40% per annum of the outstanding loan amount
Additional Telex (e.g. tracer) sent at            Free                   Free                   Free
request of customer - UAE                                                                                                                                                                                                                                                              Late payment fee                                        AED 500
                                                                                                                         Safe custody charges                                    Free                              Free                              Free
Additional Telex (e.g. tracer) sent at            Free                   Free                   Free
request of customer - others                                                                                                                                                                                                                                                           Loan cancellation fee                                   Processing fee non-refundable
                                                                                                                         Credit card service and price guide
Cancellation of remittance instruction/           Free                   Free                   Free                                                                                                                                                                                   No liability letter                                     AED 200
recalling of funds remitted                                                                                              Primary card                                            Annual fee (AED)                  Finance charges per      Finance charges per
                                                                                                                                                                                                                   month* (retail purchase) month* (cash advance)                      Liability letter                                        AED 200
Swift message copy                                Free                   Free                   Free
                                                                                                                         Silver/Dnata Silver/DIC                                 150/250/200                       2.99%                             2.99%
                                                                                                                                                                                                                                                                                       Prepayment fee - top-up loan                            2% of outstanding amount
Inward remittances                                                                                                       Gold/Dnata Platinum                                     400/500                           2.99%                             2.99%
                                                                                                                                                                                                                                                                                       Prepayment fee - own sources                            2% of amount prepaid
If deposited in beneficiary's account             Free                   Free                   Free
                                                                                                                         Platinum                                                700                               2.69%                             2.99%
                                                                                                                                                                                                                                                                                       Prepayment fee settlement from another bank             3% of outstanding amount
Standing instructions                                                                                                    Infinite                                                1500                              2.19%                             2.19%
                                                                                                                                                                                                                                                                                       Change of product scheme                                1% of outstanding amount
Setup charges                                     AED 50                 AED 50                 AED 40
                                                                                                                         Emirates NBD Business Card                              550                               2.19%                             2.19%
                                                                                                                                                                                                                                                                                       Rescheduling fee                                        Free
Periodic payments (per transaction)               Free                   Free                   Free                     Emirates NBD Skywards Infinite Card                     1500                              2.99%                             2.99%
                                                                                                                                                                                                                                                                                       Change in security                                      AED 2000
Amendment charges                                 Free                   Free                   Free                     Emirates NBD Skywards Platinum Card                     700                               2.99%                             2.99%
                                                                                                                                                                                                                                                                                       Change in borrower/property ownership                   AED 2000
Failed standing instruction                       AED 25                 AED 25                 AED 25                   WebShopper                                              Free                              2.99%                             N/A                               details
Balance order                                     Free                   Free                   Free                     Supplementary Card                                      Free                                                                                                  Copies of property related documents                    AED 100 per instance per document requested

Debit card charges                                                                                                       * Finance charges are subject to increase by 1% in case the cardholder is one or more payments overdue. Original finance charge rates will be re-instated
                                                                                                                         when all overdue payments have been made.                                                                                                                     Investments & Bancassurance
Annual fee                                        Free
                                                                                                                                                                                                                                                                                       Structured notes:
                                                                                                                         Other fees and charges
Debit card replacement fee                        AED 25
                                                                                                                         Cash advance fee                                        3% or AED 75 (whichever is higher)                                                                    Subscription/redemption                                 Free
Foreign currency transaction fee                  2%
                                                                                                                         Over limit fee                                          AED 170                                                                                               Exit penalty if redeemed/sold before maturity*
Copy of sales voucher                             AED 25
                                                                                                                         Late payment fee                                        AED 170                                                                                               1st year                                                3%

Usage fee in UAE at Emirates NBD ATMs                                                                                    Foreign currency transaction fee                        2.90%                                                                                                 2nd year                                                2%
Cash withdrawal/deposit                           Free
                                                                                                                         Card replacement fee                                    AED 20                                                                                                3rd year                                                1%
Balance enquiry                                   Free
                                                                                                                         Cheque and direct debit return fee                      AED 100                                                                                               Bid offer spread                                        2%
Mini-statement                                    Free
                                                                                                                         Copy of sales voucher                                   AED 10                                                                                                Third-party products**                                  Please refer to respective product brochures and policy documents
                                                                                                                                                                                                                                                                                       Universal Investment Plan, Guaranteed Index Plan,
Utility payment                                   Free                                                                                                                                                                                                                                 Super Saver, Lifeline, Futura, Twin Invest, Takaful &
                                                                                                                         Duplicate statement fee (per copy)
                                                                                                                                                                                                                                                                                       Savings Programme, Protection Plus, Health Plus,
                                                                                                                         - up to last 3 months                                   AED 15 per month
Usage fee on non-Emirates NBD (UAE Switch) ATMs                                                                                                                                                                                                                                        Income Builder Plans, Smart Assure, Global Savings
                                                                                                                         - over 3 months                                         AED 100 per month                                                                                     Account, Global Protection Account, International
Cash withdrawal                                   AED 2                                                                                                                                                                                                                                Term Assurance, International Wealth Account
                                                                                                                         Credit Shield                                           0.80% of the outstanding balance at billing cycle (free for the first 2 months)
Balance enquiry                                   AED 1                                                                                                                                                                                                                               *Indicative only, the exit penalty on structured notes if sold before maturity depends on the product terms and can be referred to in
                                                                                                                         General                                                                                                                                                      the product term sheet.
Declined transaction                              AED 1
                                                                                                                         Payment due date (from the statement date) 25 days                                                                                                           ** The charges for these products and other new third-party products launched by Emirates NBD are levied by the respective product
                                                                                                                                                                                                                                                                                      issuers and are subject to change from time to time. Please refer to the respective product brochures and key features document for
In Arab Gulf cooperation countries at GCC Net ATMs as                                                                                                                                                                                                                                 a complete list of these charges.
                                                                                                                         Minimum payment due                                     5% or AED 100 (whichever is higher)
Cash withdrawal                                   AED 6                                                                                                                                                                                                                               General Conditions
                                                                                                                         Cash advance limit                                      50% of credit limit
                                                                                                                                                                                                                                                                                      1. All fees and charges mentioned in this guide are subject to change without notice. Updated tariff will be available on the bank's
Balance enquiry                                   AED 3                                                                                                                                                                                                                                  website www.emiratesnbd.com
                                                                                                                         Please Note                                                                                                                                                  2. Any fees listed in this guide apply to normal transactions. The bank reserves the right to levy additional charges for services at its
International ATMs (outside UAE)                                                                                                                                                                                                                                                         sole discretion.
                                                                                                                         All fees and charges mentioned in this guide are subject to change. Such changes will apply from the effective date
                                                                                                                                                                                                                                                                                      3. Charges for any services not mentioned in this booklet will be available on request.
Cash withdrawal                                   AED 6                                                                  specified by the bank.
                                                                                                                                                                                                                                                                                      4. These charges are effective from 1st May 2011.
                                                                                                                         Annual fee will not be reversed once the card has been used or terminated.
Balance enquiry                                   Free (If available)
                                                                                                                         No finance charges (except for cash advances) will be levied in case 100% payment is received on or before the payment
Services                                                                                                                 due date.
Special clearing - outward                        Free                   Free                   Free                     Finance charges are levied on all transaction types, calculated from transaction date till repayment date (calculated on
                                                                                                                         average daily balance method).
Special clearing - inward (proceeds by            Free                   Free                   Free
manager's cheque)                                                                                                        This Service and Price Guide is applicable with effect from 1st May 2011.

Special clearing - inwards (proceeds              Free                   Free                   Free                     Please refer to Terms & Conditions for full details.
through UAE Central Bank)

Stop payment charge (per instruction)                                                                                    Personal loans

For cheque/demand draft/manager's cheque N/A                             AED 50                 AED 50                   Processing fee                                          1% of total loan amount (minimum AED 500, maximum AED 2500)

                                                                                                                         Processing fee for top-up                               1% of the top-up amount (minimum AED 500, maximum AED 2500)
Foreign currency
Foreign currency cash deposit                     Free                   Free                   Free                     Enhanced credit life insurance
                                                                                                                                                                                 0.95% of the loan amount (fresh & top-ups)
                                                                                                                         (Double Cover)
Foreign currency cash withdrawal                  Free                   Free                   Free                     Revolving Overdraft fee                                 AED 200

Post-dated cheques                                                                                                       Delayed payment penalty interest charges                2% of delayed amount (minimum AED 50, maximum AED 200)
Extension of due date                             Free                   Free                   Free                     Instalment deferment fee                                AED 100
Substitution of cheque with cash                  Free                   Free                   Free                     Rescheduling fee                                        AED 250
Post-dated cheques deposited for                  Free                   Free                   Free                     Early settlement fee                                    1% of outstanding amount
collection
                                                                                                                         Early settlement fee top-up                             1% of outstanding amount
Letters of encashment                             Free                   Free                   Free
                                                                                                                         Advance EMI                                             Free
Cheque certification                              Free                   Free                   Free
                                                                                                                         Partial payment                                         1% of partial payment amount
Post-dated cheques for presentation on            Free                   Free                   Free
due date                                                                                                                 Liability/no liability letter                           AED 100
If PDC withdrawn before maturity, an              Free                   Free                   Free
                                                                                                                         Loan cancellation fee                                   AED 100
additional charge will be levied

Outward clean collections                                                                                                Auto loans
Standard collections                                                                                                     Processing Fee (New and used cars)                      AED 500
Commission                                        Free                   Free                   Free                     Processing Fee (Commercial Vehicles)                    1% of loan amount, minimum AED 500, maximum AED 2500
OCC return charges                                Free                   Free                   Free                     Early settlement fee                                    1% of outstanding amount
Cash letter items                                 Free                   Free                   Free                     Auto Protect                                            1% of total loan amount

Inward clean collection                                                                                                  Late payment fee                                        AED 50
                                                                                                                         (instalment standing order/cheque)
Commission                                        Free                   Free                   Free
                                                                                                                         Change in mode of payment                               Free
Proceeds by DD/MC                                 Free                   Free                   Free                     (PDC to Direct Debit)

Proceeds by TT                                    Free                   Free                   Free                     Change in mode of payment                               Free
                                                                                                                         (Direct Debit to PDC)
Cheque returned charges                           Free                   Free                   Free                     Change in PDCs                                          Free

								
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