Residency
UAE resident or national
CBD Digital Current Account
CBD Digital Current Account is an AED current account opened in the CBD app with your Emirates ID. An AED 5,000 average balance waives the AED 105 fee.
At a glance
Key facts
Monthly Fee
AED 105/month below AED 5,000
Minimum BalanceAED 5,000
Account TypeCurrent
Account access
Debit card included.
Available to customers opening an AED Current Account through the CBD Mobile App.
Open in the app.
CBD Digital Current Account is the version of CBD's current account that you open yourself in the CBD mobile app instead of filling in a form. It is an AED account. You apply from a phone whose SIM card is registered in your own name, upload your Emirates ID, and enter your personal and work details. To finish, you present your Emirates ID and signature, and the bank issues the account's debit card. The balance rule is the one that applies to the CBD Current Account: an average of AED 5,000 a month, or one of the waiver conditions, keeps the account free.
Who can open it
Fees and balance
Each calendar month the bank works out your average balance. If it is below AED 5,000, a service fee of AED 105 is taken, unless one of these applied in that month: a salary transfer of AED 5,000 or more, an active CBD personal, auto or home loan, a funded CBD Investr account, or an account opened together with a CBD credit card. Two housekeeping rules come from the account terms. The bank can close the account if it sits at zero with no activity for 90 consecutive days, or if the monthly fee cannot be collected in full for 90 consecutive days. Closing the account yourself in the first six months costs AED 105, except in the first five working days.
Minimum balance
AED 5,000
Monthly fall-below fee
AED 105
How to avoid the monthly fee Meet any one of these conditions.
- Keep a balanceAverage monthly balance of AED 5,000 or more
- Other exemptionsNot charged in a month with a salary transfer of AED 5,000 or more, an active CBD personal, auto or home loan, a funded CBD Investr account, or an account opened together with a CBD credit card
Minimum opening amount
None
Account closure fee
AED 105
Charged only within 6 months of opening. Waived within 5 working days.
In plain words
- Fall-below fee
- A monthly charge for holding less than the balance the bank asks for. Here it is AED 105, charged in a month when your average balance for the month is under AED 5,000. The average is taken over every day of the month, so a few low days do not trigger the fee on their own. It is not charged in a month when you stay at or above that amount. More on this
- Account closure fee
- A one-off charge of AED 105 for closing the account within 6 months of opening it. Closing it later costs nothing. Closing within the first 5 working days carries no charge either. More on this
- Opening amount and minimum balance
- The opening amount (AED 0) is what you pay in to start the account. The minimum balance is what you keep in it afterwards. More on this
Interest
How interest works
Eligible balanceFrom AED 10,000 · Up to AED 100,000,000
Eligible fundsNew-to-bank funds compared with September 2026
Offer periodFrom 1 October 2026 to 31 January 2027
- Fresh AED funds only, after opting in from your registered mobile number by SMS INDP to 4266. The eligible incremental average balance is the lower of the uplift in Current/Savings balances and the uplift in total Current/Savings/Term Deposit relationship balances over September 2026, with a minimum AED 10,000 and a cap of AED 100 million. Internal CBD transfers and staff balances are excluded. Paid within 30 calendar days after the campaign ends; the account must remain active for payout.
In plain words
- Annual rate
- The rate is quoted for a full year. Money held for part of a year earns the matching part of it. More on this
- New funds
- Money you add on top of what you already held with the bank. A rate marked for new funds is paid on that added amount only, not on your existing balance. More on this
- Conditional rate
- A rate that applies only while you meet the condition listed beside it. When the condition is not met, that rate is not paid. More on this
What your money earns here
Held for
1 year
Fresh AED funds only, after opting in from your registered mobile number by SMS INDP to 4266. The eligible incremental average balance is the lower of the uplift in Current/Savings balances and the uplift in total Current/Savings/Term Deposit relationship balances over September 2026, with a minimum AED 10,000 and a cap of AED 100 million. Internal CBD transfers and staff balances are excluded. Paid within 30 calendar days after the campaign ends; the account must remain active for payout. Offer runs to 31 January 2027.
The amount and the rate stay the same for the whole period, and the interest is paid out, not added to the balance. Try other rates
AED 190
interest over 1 year
6.25%
a year for the first 4 months
interest earned over time
This account can earn CBD's campaign rate on new funds. Money already in the account earns nothing from the campaign. Only the increase over your September 2026 average does.
Benefits
App Account Opening
Opened through the CBD mobile app with a copy of your Emirates ID
Debit Card
Debit card issued when you complete onboarding with your Emirates ID and signature
How to open
Before you apply
1.Available to customers opening an AED Current Account through the CBD Mobile App.
2.Open in the app.
3.Minimum balance: AED 5,000.
4.Debit card included.
Application steps
1.Use the CBD mobile app on a phone with an active SIM card registered in your name.
2.Choose to open an AED Current Account.
3.Upload a copy of your Emirates ID.
4.Enter your personal details: name, date of birth, nationality, address, phone number and email.
5.Add your employer, job title, salary and years of service.
6.Present your Emirates ID and signature to complete onboarding and receive your debit card.
Good to know
Good option for
Opening a dirham current account from your phone with an Emirates ID, when a salary of AED 5,000 or more will be paid in or your average balance will stay at AED 5,000.
Consider another account if
You plan to leave the account empty for long stretches. A zero balance with no activity for 90 consecutive days allows the bank to close it, and a low-balance month costs AED 105. See accounts with no minimum balance.
What the app asks for
Have these to hand: your Emirates ID to upload, your name, date of birth, nationality, address, emirate of residence, phone number and email, and work details including employer, job title, salary and years of service. The bank uses this information to confirm you are eligible for the digital account.
Frequently asked questions
Get answers to common questions about the CBD Digital Current Account