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ADCB Business First logo

ADCB Business First

Business bank account packages

Business First packages for commercial customers, from Essential to Platinum Plus.

Explore

At a glance

Key facts

PlansEssential, Essential Plus, Executive, Gold, Platinum and Platinum Plus
Minimum balanceMonthly average per account: none for Essential, Essential Plus and Executive; Gold AED 500,000; Platinum AED 1 million; Platinum Plus AED 2 million
Customer segmentCommercial customers with annual turnover below AED 250 million
General current-account eligibilityADCB's general corporate current-account KFS requires a UAE-incorporated entity with a valid UAE commercial licence
Account currencyBusiness First current accounts are AED only
Package fee scheduleEffective 1 April 2026
See plans

Fees

Essential monthly membership · per monthAED 288.75
Essential Plus monthly membership · per monthAED 393.75
Executive monthly membership · per monthAED 840
See all fees

Use cases

Use casesBusiness accounts

Plans

Essential

AED 288.75 per month

Minimum monthly average balance per accountNone
Standard cheque booksTwo included each year
International transfersProcessing AED 31.5 and correspondent component AED 31.5 per transfer, charged separately
USD to AED spot rate3.6690
AED to USD spot rate3.6770
Non-USD FXStandard spot rates
Cheque scanning, pickup and warehousingStandard rates apply
Purchasing corporate credit cardsUp to two included per customer ID, excluding TouchPoints and other variants; subject to bank terms

Essential Plus

AED 393.75 per month

Minimum monthly average balance per accountNone
Standard cheque booksTwo included each year
International transfersProcessing AED 26.25 and correspondent component AED 26.25 per transfer, charged separately
USD to AED spot rate3.6700
AED to USD spot rate3.6760
Non-USD FXStandard spot rates
Cheque scanningOne corporate cheque scanner included per customer ID
Cheque pickupTwo days a week at one UAE location per customer ID
Post-dated chequesWarehousing, withdrawal and extension included
Purchasing corporate credit cardsUp to three included per customer ID, excluding TouchPoints and other variants; subject to bank terms

Executive

AED 840 per month

Minimum monthly average balance per accountNone
Standard cheque booksTwo included each year
International transfersFirst 75 per month included; each extra transfer has AED 21 processing and AED 21 correspondent components
USD to AED spot rate3.6710
AED to USD spot rate3.6740
Non-USD FXRack rate less 75 pips for tickets above USD 10,000
Cheque scanning and pickupOne scanner; pickup two days a week at one UAE location per customer ID
Own-logo cheques2,000 leaves a year per customer ID on one selected account; stationery delivery waived
Purchasing corporate credit cardsUp to four included per customer ID, excluding TouchPoints and other variants; subject to bank terms
Post-dated chequesWarehousing, withdrawal and extension included
OUR correspondentPreferential first-correspondent rate when OUR is selected

Gold

Minimum monthly average balance per accountAED 500,000
Below-balance chargeAED 1,575 per month only if the minimum monthly average balance is missed
Standard cheque booksTwo included each year
International transfersProcessing AED 26.25 and correspondent component AED 26.25 per transfer, charged separately
USD to AED spot rate3.6700
AED to USD spot rate3.6760
Non-USD FXStandard spot rates
Cheque scanning and pickupOne scanner; pickup two days a week at one UAE location per customer ID
Own-logo cheques2,000 leaves a year per customer ID on one selected account; stationery delivery waived
Purchasing corporate credit cardsUp to three included per customer ID, excluding TouchPoints and other variants; subject to bank terms
Post-dated chequesWarehousing, withdrawal and extension included

Platinum

Minimum monthly average balance per accountAED 1 million
Below-balance chargeAED 2,100 per month only if the minimum monthly average balance is missed
Standard cheque booksTwo included each year
International transfersFirst 75 per month included; each extra transfer has AED 21 processing and AED 21 correspondent components
USD to AED spot rate3.6710
AED to USD spot rate3.6740
Non-USD FXRack rate less 75 pips for tickets above USD 10,000
Cheque scanning and pickupOne scanner; cheque pickup two days a week at one UAE location per customer ID
Cash collectionPickup up to four days a week and cash or coin delivery once a week at one UAE location per customer ID
Own-logo cheques2,000 leaves a year per customer ID on one selected account; stationery delivery waived
Purchasing corporate credit cardsUp to four included per customer ID, excluding TouchPoints and other variants; subject to bank terms
Post-dated chequesWarehousing, withdrawal and extension included
OUR correspondentPreferential first-correspondent rate when OUR is selected

Platinum Plus

Minimum monthly average balance per accountAED 2 million
Below-balance chargeAED 2,625 per month only if the minimum monthly average balance is missed
Standard cheque booksTwo included each year
International transfersFirst 75 per month included; each extra transfer has AED 21 processing and AED 21 correspondent components
USD to AED spot rate3.6720
AED to USD spot rate3.6735
Non-USD FXRack rate less 100 pips for tickets above USD 10,000
Cheque scanning and pickupOne scanner; cheque pickup two days a week at one UAE location per customer ID
Cash deliveryOnce a week at one UAE location per customer ID
Smart cash deposit machineOne machine with 4,000-note capacity
Own-logo cheques2,000 leaves a year per customer ID on one selected account; stationery delivery waived
Purchasing corporate credit cardsUp to five included per customer ID, excluding TouchPoints and other variants; subject to bank terms
Post-dated chequesWarehousing, withdrawal and extension included
OUR correspondentPreferential first-correspondent rate when OUR is selected

Fees

288.75AED

Essential monthly membership · per month

393.75AED

Essential Plus monthly membership · per month

840AED

Executive monthly membership · per month

Gold below-balance fee if monthly average per account is below AED 500,000 · per monthGold AED 1,575/month below AED 500,000
Platinum below-balance fee if monthly average per account is below AED 1 million · per monthPlatinum AED 2,100/month below AED 1 million
Platinum Plus below-balance fee if monthly average per account is below AED 2 million · per monthPlatinum Plus AED 2,625/month below AED 2 million
Essential international transfer processing · per transferAED 31.50 per transfer
Essential international transfer correspondent component · per transferAED 31.50 per transfer component*

*Other correspondent-bank charges may apply on an actual basis.

Essential Plus international transfer processing · per transferAED 26.25
Essential Plus international transfer correspondent component · per transferAED 26.25 per transfer component*

*Other correspondent-bank charges may apply on an actual basis.

Gold international transfer processing · per transferAED 26.25
Gold international transfer correspondent component · per transferAED 26.25 per transfer component*

*Other correspondent-bank charges may apply on an actual basis.

Executive, Platinum and Platinum Plus international transfer processing: first 75 per month · per transferFirst 75 transfers monthly included
Executive, Platinum and Platinum Plus international transfer correspondent component: first 75 per month · per transferFirst 75 transfers monthly included*

*Other correspondent-bank charges may apply on an actual basis.

Executive, Platinum and Platinum Plus international transfer processing after 75 per month · per transferAED 21 per transfer after 75 monthly
Executive, Platinum and Platinum Plus international transfer correspondent component after 75 per month · per transferAED 21 per transfer component after 75 monthly*

*Other correspondent-bank charges may apply on an actual basis. The preferential first-correspondent rate requires OUR selection.

ProCash soft or hard token and mobile-app setup (all packages) · one-timeFree one-time setup
ProCash soft or hard token and mobile-app maintenance (all packages) · per monthFree monthly maintenance
WPS file processing (all packages) · per transactionFree
WPS record processing (all packages) · per transactionFree
Non-WPS corporate salary transfer (all packages) · per transferFree
Domestic electronic transfer via ProCash: ADCB processing (all packages) · per transferFree
Domestic electronic transfer via ProCash: correspondent component (all packages) · per transferFree
Foreign-currency inward remittance (all packages) · per transferFree
Teller cash deposit (all packages) · per transactionAED 52.50 per transaction
Teller cheque deposit (all packages) · per transactionAED 52.50 per transaction
Teller cheque withdrawal (all packages) · per transactionAED 52.50 per transaction
Teller utility-bill payment (all packages) · per transactionAED 10.50 per transaction
Online utility-bill payment (all packages) · per transactionFree
First two standard cheque books each year (all packages)Two included per year
Additional standard cheque book, per book after two yearly inclusions (all packages)AED 105 per book
Corporate debit card (all packages)Free
Essential package change, opt-out or account closure · one-timeAED 787.50 once*

*Upgrades within Business First do not incur this fee.

Essential Plus, Executive, Gold, Platinum or Platinum Plus package change, opt-out or account closure · one-timeAED 2,625 once*

*Upgrades within Business First do not incur this fee.

Customer-issued returned cheque, per cheque (standard rate where not overridden)AED 315 per cheque
Special cheque clearing, per cheque (standard rate where not overridden)AED 105 per cheque
Stop-payment instruction for cheque or transfer, per instruction (standard rate where not overridden)AED 94.50 per instruction
Non-standard cheque book, per book (standard rate where not overridden)AED 525 per book
Essential post-dated cheque withdrawal, per cheque at standard rateAED 78.50 per cheque
Essential post-dated cheque custody, per cheque at standard rateAED 31.50 per cheque

Good to know

Package limit

One Business First package is permitted per customer ID.

Leaving the package

On opt-out, return provided devices and stationery. Continuing services then follow ADCB's standard charges.

Package payments

Payment default can end Business First package benefits.

International transfer costs

Additional correspondent-bank charges may apply on an actual basis to international transfers.

Other service charges

Services outside the Business First package schedule follow ADCB's commercial accounts schedule of fees.

Branch payments

Paper-based payment instructions at branches are discontinued.

Important stuff

ADCB Business First schedule of charges

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ADCB general current and call account key facts (Feb 2026)

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ADCB corporate and investment banking terms (Sep 2026)

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ADCB commercial accounts schedule of fees (July 2026)

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ADCB Business First membership and pricing acceptance form (Apr 2026)

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