General Current CA101
Minimum balanceAED 10,000 monthly average; 3,000 units in foreign currency
Bank of Baroda UAE Business
Non-individual current-account variants
Six current-account variants for UAE businesses in AED and selected foreign currencies.
At a glance
Key facts
PlansGeneral, Premium, Offshore, Gold, Platinum and Flexi-Desk current accounts
Minimum balanceGeneral Current: AED 10,000 monthly average or 3,000 foreign-currency units
CurrenciesAED, USD, GBP and EUR
International transfersBranch and online international remittances, with variant-specific fees
PayrollWPS salary-file processing
Digital accessInternet banking and emailed monthly statements
Tariff dateNon-individual schedule effective 3 April 2024
Fees
General monthly charge below required AED balance · per monthAED 210
Premium monthly charge below required AED balance · per monthAED 525
Offshore monthly charge below required AED balance · per monthAED 525
Use cases
Use casesBusiness accounts, International payments, Payroll
Plans
Premium Current CA106
Minimum balanceAED 100,000 daily closing; USD 30,000
Offshore Current CA108
AED 105 per month
Minimum balanceAED 50,000 monthly average; 15,000 units in foreign currency
Gold Current CA109
Minimum balanceAED 50,000 monthly average; 15,000 units in foreign currency
Platinum Current CA111
Minimum balanceAED 2 million monthly average; 500,000 units in foreign currency
Flexi-Desk Current CA112
Minimum balanceAED 25,000 monthly average; 10,000 units in foreign currency
Fees
210AED
General monthly charge below required AED balance · per month
525AED
Premium monthly charge below required AED balance · per month
525AED
Offshore monthly charge below required AED balance · per month
Gold monthly charge below required AED balance · per monthAED 525
Platinum monthly charge below required AED balance · per monthAED 1,050
Flexi-Desk monthly charge below required AED balance · per monthAED 525
General account maintenance · per monthFree
Premium account maintenance · per monthFree
Offshore account maintenance · per monthAED 105
Gold account maintenance · per monthFree
Platinum account maintenance · per monthFree
Flexi-Desk account maintenance · per monthFree
General inward cheque returnAED 315
Premium inward cheque returnAED 210
Gold inward cheque returnAED 315
Platinum inward cheque returnAED 315
Flexi-Desk inward cheque returnAED 315
General outward cheque returnFree
Premium outward cheque returnFree
Offshore outward cheque returnFree
Gold outward cheque returnFree
Platinum outward cheque returnFree
Flexi-Desk outward cheque returnFree
General outward special cheque clearingAED 210
Premium outward special cheque clearingAED 210
Offshore outward special cheque clearingAED 210
Gold outward special cheque clearingAED 210
Platinum outward special cheque clearingAED 210
Flexi-Desk outward special cheque clearingAED 210
General banker's cheque issuanceAED 52.5
Premium banker's cheque issuanceAED 31.5
Offshore banker's cheque issuanceAED 52.5
Gold banker's cheque issuanceAED 31.5
Platinum banker's cheque issuanceFree
Flexi-Desk banker's cheque issuanceAED 52.5
General banker's cheque revalidation or cancellationAED 52.5
Premium banker's cheque revalidation or cancellationAED 31.5
Offshore banker's cheque revalidation or cancellationAED 52.5
Gold banker's cheque revalidation or cancellationAED 31.5
Platinum banker's cheque revalidation or cancellationAED 31.5
Flexi-Desk banker's cheque revalidation or cancellationAED 52.5
General demand draft issuance, with SWIFT costs additionalAED 52.5
Premium demand draft issuance, with SWIFT costs additionalAED 31.5
Offshore demand draft issuance, with SWIFT costs additionalAED 52.5
Gold demand draft issuance, with SWIFT costs additionalAED 31.5
Platinum demand draft issuance, with SWIFT costs additionalFree
Flexi-Desk demand draft issuance, with SWIFT costs additionalAED 52.5
General demand draft cancellation, with SWIFT costs additionalAED 52.5
Premium demand draft cancellation, with SWIFT costs additionalAED 21
Offshore demand draft cancellation, with SWIFT costs additionalAED 52.5
Gold demand draft cancellation, with SWIFT costs additionalAED 21
Platinum demand draft cancellation, with SWIFT costs additionalFree
Flexi-Desk demand draft cancellation, with SWIFT costs additionalAED 52.5
General late trade-licence or identity renewalFree
Premium late trade-licence or identity renewalFree
Offshore late trade-licence or identity renewalFree
Gold late trade-licence or identity renewalFree
Platinum late trade-licence or identity renewalFree
Flexi-Desk late trade-licence or identity renewalFree
General cheque-book leaf, first book 10 leaves for six months then 50AED 2.1
Premium cheque-book leaf, first book 10 leaves for six months then 50AED 2.1
Gold cheque-book leaf, first book 10 leaves for six months then 50AED 2.1
Platinum cheque-book leaf, first book 10 leaves for six months then 50Free
Flexi-Desk cheque-book leaf, first book 10 leaves for six months then 50AED 2.1
General cheque stop payment with police reportAED 210
Premium cheque stop payment with police reportAED 105
Gold cheque stop payment with police reportAED 105
Platinum cheque stop payment with police reportFree
Flexi-Desk cheque stop payment with police reportAED 210
General direct-debit instruction setupAED 52.5
Premium direct-debit instruction setupAED 21
Offshore direct-debit instruction setupAED 52.5
Gold direct-debit instruction setupAED 21
Platinum direct-debit instruction setupFree
Flexi-Desk direct-debit instruction setupAED 52.5
General direct-debit instruction amendmentAED 26.25
Premium direct-debit instruction amendmentFree
Offshore direct-debit instruction amendmentAED 26.25
Gold direct-debit instruction amendmentFree
Platinum direct-debit instruction amendmentFree
Flexi-Desk direct-debit instruction amendmentAED 26.25
General direct-debit instruction failedAED 26.25
Premium direct-debit instruction failedAED 10.5
Offshore direct-debit instruction failedAED 26.25
Gold direct-debit instruction failedAED 10.5
Platinum direct-debit instruction failedFree
Flexi-Desk direct-debit instruction failedAED 26.25
General balance, interest or signature certificateAED 105
Premium balance, interest or signature certificateAED 52.5
Offshore balance, interest or signature certificateAED 105
Gold balance, interest or signature certificateAED 52.5
Platinum balance, interest or signature certificateFree
Flexi-Desk balance, interest or signature certificateAED 105
General release letterAED 105
Premium release letterAED 52.5
Offshore release letterAED 105
Gold release letterAED 52.5
Platinum release letterFree
Flexi-Desk release letterAED 105
General no-liability certificateAED 105
Premium no-liability certificateAED 52.5
Offshore no-liability certificateAED 105
Gold no-liability certificateAED 52.5
Platinum no-liability certificateFree
Flexi-Desk no-liability certificateAED 105
General liability letter to government, embassy or financial institutionAED 105
Premium liability letter to government, embassy or financial institutionAED 52.5
Offshore liability letter to government, embassy or financial institutionAED 105
Gold liability letter to government, embassy or financial institutionAED 52.5
Platinum liability letter to government, embassy or financial institutionFree
Flexi-Desk liability letter to government, embassy or financial institutionAED 105
General counter statement covering up to three monthsAED 26.25
Premium counter statement covering up to three monthsFree
Offshore counter statement covering up to three monthsAED 26.25
Gold counter statement covering up to three monthsFree
Platinum counter statement covering up to three monthsFree
Flexi-Desk counter statement covering up to three monthsAED 26.25
General counter statement covering three to six monthsAED 26.25
Premium counter statement covering three to six monthsAED 10.5
Offshore counter statement covering three to six monthsAED 26.25
Gold counter statement covering three to six monthsAED 10.5
Platinum counter statement covering three to six monthsFree
Flexi-Desk counter statement covering three to six monthsAED 26.25
General counter statement covering six months to one yearAED 78.75
Premium counter statement covering six months to one yearAED 26.25
Offshore counter statement covering six months to one yearAED 52.5
Gold counter statement covering six months to one yearAED 26.25
Platinum counter statement covering six months to one yearFree
Flexi-Desk counter statement covering six months to one yearAED 78.75
General counter statement covering over one yearAED 105
Premium counter statement covering over one yearAED 52.5
Offshore counter statement covering over one yearAED 105
Gold counter statement covering over one yearAED 52.5
Platinum counter statement covering over one yearFree
Flexi-Desk counter statement covering over one yearAED 105
General old-entry inquiry up to three monthsAED 105
Premium old-entry inquiry up to three monthsAED 21
Offshore old-entry inquiry up to three monthsAED 105
Gold old-entry inquiry up to three monthsAED 21
Platinum old-entry inquiry up to three monthsFree
Flexi-Desk old-entry inquiry up to three monthsAED 105
General old-entry inquiry three months to one yearAED 105
Premium old-entry inquiry three months to one yearAED 21
Offshore old-entry inquiry three months to one yearAED 105
Gold old-entry inquiry three months to one yearAED 31.5
Platinum old-entry inquiry three months to one yearFree
Flexi-Desk old-entry inquiry three months to one yearAED 105
General old-entry inquiry one to three yearsAED 210
Premium old-entry inquiry one to three yearsAED 105
Offshore old-entry inquiry one to three yearsAED 210
Gold old-entry inquiry one to three yearsAED 105
Platinum old-entry inquiry one to three yearsAED 52.5
Flexi-Desk old-entry inquiry one to three yearsAED 210
General old-entry inquiry three to five yearsAED 525
Premium old-entry inquiry three to five yearsAED 210
Offshore old-entry inquiry three to five yearsAED 315
Gold old-entry inquiry three to five yearsAED 210
Platinum old-entry inquiry three to five yearsAED 105
Flexi-Desk old-entry inquiry three to five yearsAED 525
General old-entry inquiry five to ten yearsAED 1,050
Premium old-entry inquiry five to ten yearsAED 525
Offshore old-entry inquiry five to ten yearsAED 525
Gold old-entry inquiry five to ten yearsAED 525
Platinum old-entry inquiry five to ten yearsAED 210
Flexi-Desk old-entry inquiry five to ten yearsAED 1,050
General account closure within six monthsAED 525
Premium account closure within six monthsAED 1,050
Offshore account closure within six monthsAED 525
Gold account closure within six monthsAED 525
Platinum account closure within six monthsAED 1,575
Flexi-Desk account closure within six monthsAED 1,050
General account closure after six monthsFree
Premium account closure after six monthsFree
Offshore account closure after six monthsFree
Gold account closure after six monthsFree
Platinum account closure after six monthsFree
Flexi-Desk account closure after six monthsFree
General dormant-account reactivationFree
Premium dormant-account reactivationFree
Offshore dormant-account reactivationFree
Gold dormant-account reactivationFree
Platinum dormant-account reactivationFree
Flexi-Desk dormant-account reactivationFree
General first debit-card issuanceFree
Premium first debit-card issuanceFree
Offshore first debit-card issuanceFree
Gold first debit-card issuanceFree
Platinum first debit-card issuanceFree
Flexi-Desk first debit-card issuanceFree
General debit-card physical PIN replacementAED 26.25
Premium debit-card physical PIN replacementFree
Gold debit-card physical PIN replacementFree
Platinum debit-card physical PIN replacementFree
Flexi-Desk debit-card physical PIN replacementAED 26.25
General lost or stolen debit-card replacementAED 52.5
Premium lost or stolen debit-card replacementFree
Gold lost or stolen debit-card replacementFree
Platinum lost or stolen debit-card replacementFree
Flexi-Desk lost or stolen debit-card replacementAED 26.25
General other UAE-bank ATM withdrawalAED 2.1
Premium other UAE-bank ATM withdrawalAED 2.1
Gold other UAE-bank ATM withdrawalAED 2.1
Platinum other UAE-bank ATM withdrawalAED 2.1
Flexi-Desk other UAE-bank ATM withdrawalAED 2.1
General GCC ATM cash withdrawalAED 6.3
Premium GCC ATM cash withdrawalAED 6.3
Gold GCC ATM cash withdrawalAED 6.3
Platinum GCC ATM cash withdrawalAED 6.3
Flexi-Desk GCC ATM cash withdrawalAED 6.3
General international Visa ATM withdrawal or inquiryAED 21
Premium international Visa ATM withdrawal or inquiryAED 21
Gold international Visa ATM withdrawal or inquiryAED 21
Platinum international Visa ATM withdrawal or inquiryAED 21
Flexi-Desk international Visa ATM withdrawal or inquiryAED 21
General other UAE-bank ATM balance inquiryAED 1.05
Premium other UAE-bank ATM balance inquiryAED 1.05
Gold other UAE-bank ATM balance inquiryAED 1.05
Platinum other UAE-bank ATM balance inquiryAED 1.05
Flexi-Desk other UAE-bank ATM balance inquiryAED 1.05
General GCC ATM balance inquiryAED 3.15
Premium GCC ATM balance inquiryAED 3.15
Gold GCC ATM balance inquiryAED 3.15
Platinum GCC ATM balance inquiryAED 3.15
Flexi-Desk GCC ATM balance inquiryAED 3.15
General debit-card sales-slip copyAED 26.25
Premium debit-card sales-slip copyFree
Gold debit-card sales-slip copyFree
Platinum debit-card sales-slip copyFree
Flexi-Desk debit-card sales-slip copyAED 26.25
General debit-card cancellation without account closureAED 26.25
Premium debit-card cancellation without account closureFree
Gold debit-card cancellation without account closureFree
Platinum debit-card cancellation without account closureFree
Flexi-Desk debit-card cancellation without account closureAED 26.25
General outward UAE FTS payment from branchAED 52.5
Premium outward UAE FTS payment from branchAED 42
Offshore outward UAE FTS payment from branchAED 52.5
Gold outward UAE FTS payment from branchAED 42
Platinum outward UAE FTS payment from branchAED 31.5
Flexi-Desk outward UAE FTS payment from branchAED 52.5
General outward UAE FTS payment by online or mobile bankingAED 2.1
Premium outward UAE FTS payment by online or mobile bankingAED 2.1
Offshore outward UAE FTS payment by online or mobile bankingAED 2.1
Gold outward UAE FTS payment by online or mobile bankingAED 2.1
Platinum outward UAE FTS payment by online or mobile bankingFree
Flexi-Desk outward UAE FTS payment by online or mobile bankingAED 2.1
General incoming UAE FTS paymentFree
Premium incoming UAE FTS paymentFree
Offshore incoming UAE FTS paymentFree
Gold incoming UAE FTS paymentFree
Platinum incoming UAE FTS paymentFree
Flexi-Desk incoming UAE FTS paymentFree
General outgoing international transfer from branchAED 105
Premium outgoing international transfer from branchAED 26.25
Offshore outgoing international transfer from branchAED 105
Gold outgoing international transfer from branchAED 31.5
Platinum outgoing international transfer from branchAED 21
Flexi-Desk outgoing international transfer from branchAED 105
General incoming international transferAED 42
Premium incoming international transferFree
Offshore incoming international transferAED 42
Gold incoming international transferFree
Platinum incoming international transferFree
Flexi-Desk incoming international transferAED 42
General outgoing international transfer by online or mobile bankingAED 21
Premium outgoing international transfer by online or mobile bankingAED 10.5
Offshore outgoing international transfer by online or mobile bankingAED 21
Gold outgoing international transfer by online or mobile bankingAED 10.5
Platinum outgoing international transfer by online or mobile bankingAED 5.25
Flexi-Desk outgoing international transfer by online or mobile bankingAED 21
General transfer cancellation or recallAED 52.5
Premium transfer cancellation or recallAED 31.5
Offshore transfer cancellation or recallAED 52.5
Gold transfer cancellation or recallAED 31.5
Platinum transfer cancellation or recallAED 21
Flexi-Desk transfer cancellation or recallAED 52.5
General remittance status inquiryAED 21
Premium remittance status inquiryAED 10.5
Offshore remittance status inquiryAED 21
Gold remittance status inquiryAED 10.5
Platinum remittance status inquiryFree
Flexi-Desk remittance status inquiryAED 21
General underlying exchange-house remittanceAED 1.05
Premium underlying exchange-house remittanceAED 1.05
Gold underlying exchange-house remittanceAED 1.05
Platinum underlying exchange-house remittanceAED 1.05
General branch cash deposit above AED 40,000 through AED 200,000AED 26.25
Premium branch cash deposit above AED 40,000 through AED 200,000AED 26.25
Gold branch cash deposit above AED 40,000 through AED 200,000AED 26.25
Platinum branch cash deposit above AED 40,000 through AED 200,000AED 26.25
Flexi-Desk branch cash deposit above AED 40,000 through AED 200,000AED 26.25
General branch cash deposit up to AED 40,000Free
Premium branch cash deposit up to AED 40,000Free
Gold branch cash deposit up to AED 40,000Free
Platinum branch cash deposit up to AED 40,000Free
Flexi-Desk branch cash deposit up to AED 40,000Free
General branch cash deposit over AED 200,000 through AED 1 millionAED 105
Premium branch cash deposit over AED 200,000 through AED 1 millionAED 105
Gold branch cash deposit over AED 200,000 through AED 1 millionAED 105
Platinum branch cash deposit over AED 200,000 through AED 1 millionAED 105
Flexi-Desk branch cash deposit over AED 200,000 through AED 1 millionAED 105
General branch cash deposit over AED 1 million through AED 2 millionAED 210
Premium branch cash deposit over AED 1 million through AED 2 millionAED 210
Gold branch cash deposit over AED 1 million through AED 2 millionAED 210
Platinum branch cash deposit over AED 1 million through AED 2 millionAED 105
Flexi-Desk branch cash deposit over AED 1 million through AED 2 millionAED 210
General branch cash deposit over AED 2 millionAED 315
Premium branch cash deposit over AED 2 millionAED 315
Gold branch cash deposit over AED 2 millionAED 315
Platinum branch cash deposit over AED 2 millionAED 157.5
Flexi-Desk branch cash deposit over AED 2 millionAED 315
General branch cash withdrawal above AED 40,000 through AED 200,000AED 26.25
Premium branch cash withdrawal above AED 40,000 through AED 200,000AED 26.25
Gold branch cash withdrawal above AED 40,000 through AED 200,000AED 26.25
Platinum branch cash withdrawal above AED 40,000 through AED 200,000AED 26.25
Flexi-Desk branch cash withdrawal above AED 40,000 through AED 200,000AED 26.25
General branch cash withdrawal up to AED 40,000Free
Premium branch cash withdrawal up to AED 40,000Free
Gold branch cash withdrawal up to AED 40,000Free
Platinum branch cash withdrawal up to AED 40,000Free
Flexi-Desk branch cash withdrawal up to AED 40,000Free
General branch cash withdrawal over AED 200,000 through AED 1 millionAED 105
Premium branch cash withdrawal over AED 200,000 through AED 1 millionAED 105
Gold branch cash withdrawal over AED 200,000 through AED 1 millionAED 105
Platinum branch cash withdrawal over AED 200,000 through AED 1 millionAED 105
Flexi-Desk branch cash withdrawal over AED 200,000 through AED 1 millionAED 105
General branch cash withdrawal over AED 1 million through AED 2 millionAED 210
Premium branch cash withdrawal over AED 1 million through AED 2 millionAED 210
Gold branch cash withdrawal over AED 1 million through AED 2 millionAED 210
Platinum branch cash withdrawal over AED 1 million through AED 2 millionAED 105
Flexi-Desk branch cash withdrawal over AED 1 million through AED 2 millionAED 210
General branch cash withdrawal over AED 2 millionAED 525
Premium branch cash withdrawal over AED 2 millionAED 525
Gold branch cash withdrawal over AED 2 millionAED 525
Platinum branch cash withdrawal over AED 2 millionAED 157.5
Flexi-Desk branch cash withdrawal over AED 2 millionAED 525
General inter-branch cash deposit, withdrawal or outward cheque clearingFree
Premium inter-branch cash deposit, withdrawal or outward cheque clearingFree
Gold inter-branch cash deposit, withdrawal or outward cheque clearingFree
Platinum inter-branch cash deposit, withdrawal or outward cheque clearingFree
Flexi-Desk inter-branch cash deposit, withdrawal or outward cheque clearingFree
General Current below other-currency minimum52.50 units of account currency per month
Premium Current below USD daily closing minimumUSD 210 per month
Offshore Current below other-currency minimum210 units of account currency per month
Gold Current below other-currency minimum210 units of account currency per month
Platinum Current below other-currency minimum420 units of account currency per month
Flexi-Desk Current below other-currency minimum210 units of account currency per month
Customised business cheque-book issuanceActual cost for eligible variants
International debit-card-not-present processing for eligible variants2.1% plus Visa processing and any acquirer markup
WPS file processingAED 31.50 for up to 10 entries, plus AED 1.05 per additional entry
Good to know
Opening documents
Business registration, trade licence, company constitutional and signatory documents are required. Foreign branches or subsidiaries need legalized parent documents; the bank may request statements and further verification.
Balance measurement
Premium uses a daily closing balance. Other variants list monthly averages. Below-balance charges differ by account variant and currency.
Debit-card conversion
International card-not-present transactions can add Visa processing and acquirer charges to the bank's published card rate.