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SMART SPEND - FZCO, License No. 68272, Legal address: Building A1, Dubai Digital Park, Dubai Silicon Oasis, Dubai, United Arab Emirates

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CBD iBusiness app icon

CBD Business

Business bank accounts

Four business current-account tiers with online banking and payment services.

Explore

At a glance

Key facts

PlansEssential, Premium, Gold and Platinum
Minimum balanceEssential AED 100,000; Premium AED 350,000; Gold AED 1 million; Platinum AED 3 million
EligibilityUAE-incorporated business with a valid trade licence and adult authorised signatory
Online bankingi-Business included
ChequesFirst 50-leaf book free
Debit cardAED-account card issue and annual renewal free
StatementsMonthly integrated online statements included
International transfersDigital international remittances on all four tiers; correspondent charges may apply
PayrollWPS and non-WPS payments
See plans

Fees

Essential Below minimum monthly average · per monthAED 367.5
Premium Below minimum monthly average · per monthAED 525
Gold Below minimum monthly average · per monthAED 787.5
See all fees

Use cases

Use casesBusiness accounts, Payroll, International payments

Plans

Essential

Minimum monthly averageAED 100,000
Below-balance chargeAED 367.5 monthly only if below minimum
Digital UAE transferAED 21.00
Digital international transferAED 31.50 plus correspondent charges when applicable

Premium

Minimum monthly averageAED 350,000
Below-balance chargeAED 525 monthly only if below minimum
Digital UAE transferAED 21.00
Digital international transferAED 31.50 plus correspondent charges when applicable

Gold

Minimum monthly averageAED 1,000,000
Below-balance chargeAED 787.5 monthly only if below minimum
Digital UAE transferAED 15.75
Digital international transferAED 26.25 plus correspondent charges when applicable

Platinum

Minimum monthly averageAED 3,000,000
Below-balance chargeAED 1,050 monthly only if below minimum
Digital UAE transferAED 10.50
Digital international transferAED 21.00 plus correspondent charges when applicable

Fees

367.5AED

Essential Below minimum monthly average · per month

AED 367.50 per month below the tier balance

525AED

Premium Below minimum monthly average · per month

AED 525.00 per month below the tier balance

787.5AED

Gold Below minimum monthly average · per month

AED 787.50 per month below the tier balance

Platinum Below minimum monthly average · per monthAED 1,050.00 per month below the tier balance
Essential Local transfer online · per transferAED 21.00 per transfer
Premium Local transfer online · per transferAED 21.00 per transfer
Gold Local transfer online · per transferAED 15.75
Platinum Local transfer online · per transferAED 10.50 per transfer
Essential Local transfer outside digital channels · per transferAED 78.75
Premium Local transfer outside digital channels · per transferAED 78.75
Gold Local transfer outside digital channels · per transferAED 525.00 per transfer
Platinum Local transfer outside digital channels · per transferAED 525.00 per transfer
Essential International transfer online · per transferAED 31.50 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Premium International transfer online · per transferAED 31.50 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Gold International transfer online · per transferAED 26.25 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Platinum International transfer online · per transferAED 21.00 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Essential International transfer outside digital channels · per transferAED 105.00 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Premium International transfer outside digital channels · per transferAED 105.00 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Gold International transfer outside digital channels · per transferAED 525.00 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Platinum International transfer outside digital channels · per transferAED 525.00 plus correspondent charges when OUR is selected*

*Correspondent charges apply when OUR is selected.

Essential Transfer within CBD outside digital channels · per transferAED 63.00 per transfer; online free
Premium Transfer within CBD outside digital channels · per transferAED 63.00 per transfer; online free
Gold Transfer within CBD outside digital channels · per transferAED 262.50 per transfer; online free
Platinum Transfer within CBD outside digital channels · per transferAED 262.50 per transfer; online free
Essential Additional cheque book up to 50 leaves · per transactionAED 52.50 ; first book free
Premium Additional cheque book up to 50 leaves · per transactionAED 52.50 ; first book free
Gold Additional cheque book up to 50 leaves · per transactionAED 157.50 ; first book free
Platinum Additional cheque book up to 50 leaves · per transactionAED 105.00 ; first book free
Essential Inward returned cheque issued by you · per transactionAED 525.00 per cheque
Premium Inward returned cheque issued by you · per transactionAED 525.00 per cheque
Gold Inward returned cheque issued by you · per transactionAED 525.00 per cheque
Platinum Inward returned cheque issued by you · per transactionAED 367.50 per cheque
Essential Stop payment of cheque · per transactionAED 105.00 per cheque
Premium Stop payment of cheque · per transactionAED 105.00 per cheque
Gold Stop payment of cheque · per transactionAED 52.50 per cheque
Platinum Stop payment of cheque · per transactionAED 52.50 per cheque
Essential Manager's cheque issue · per transactionAED 21.00 per cheque
Premium Manager's cheque issue · per transactionAED 21.00 per cheque
Gold Manager's cheque issue · per transactionAED 157.50 per cheque
Platinum Manager's cheque issue · per transactionAED 157.50 per cheque
Essential Demand draft issue · per transactionAED 21.00 per draft
Premium Demand draft issue · per transactionAED 21.00 per draft
Gold Demand draft issue · per transactionAED 157.50 per draft
Platinum Demand draft issue · per transactionAED 78.75 per draft
Essential cheque encashment · per transactionAED 42 per cheque
Premium cheque encashment · per transactionAED 42 per cheque
Gold cheque encashment · per transactionAED 42 per cheque after 5 free monthly
Platinum cheque encashment · per transactionAED 42 per cheque after 10 free monthly
Essential Outward returned cheque · per transactionAED 0.00 per cheque
Premium Outward returned cheque · per transactionAED 0.00 per cheque
Gold Outward returned cheque · per transactionAED 52.50 per cheque
Platinum Outward returned cheque · per transactionAED 52.50 per cheque
Essential WPS transfer to another bank · per transactionAED 3.15 per record
Premium WPS transfer to another bank · per transactionAED 3.15 per record
Gold WPS transfer to another bank · per transactionAED 3.15 per record
Platinum WPS transfer to another bank · per transactionAED 2.10 per record
Essential Digital payroll card processing · per transactionAED 7.35 per card
Premium Digital payroll card processing · per transactionAED 7.35 per card
Gold Digital payroll card processing · per transactionAED 7.35 per card
Platinum Digital payroll card processing · per transactionAED 6.30 per card
Essential Standing order failed for insufficient funds · per transactionAED 52.50 per transaction
Premium Standing order failed for insufficient funds · per transactionAED 52.50 per transaction
Gold Standing order failed for insufficient funds · per transactionAED 31.50 per transaction
Platinum Standing order failed for insufficient funds · per transactionAED 31.50 per transaction
Essential teller cash deposit · per transactionAED 52.50 per deposit
Premium teller cash deposit · per transactionAED 52.50 per deposit
Gold teller cash deposit · per transactionAED 52.50 for deposits below AED 500,000
Platinum teller cash deposit · per transactionAED 42.00 for deposits below AED 500,000
Gold teller cash deposit of AED 500,000 or more · per transaction0.05% of total cash deposited
Platinum teller cash deposit of AED 500,000 or more · per transaction0.05% of total cash deposited
Essential Incoming international AED transfer · per transferAED 21.00 per transfer
Premium Incoming international AED transfer · per transferAED 21.00 per transfer
Gold Incoming international AED transfer · per transferAED 47.25
Platinum Incoming international AED transfer · per transferAED 21.00 per transfer
Essential Post-dated cheque collection · per transactionAED 10.50 per cheque
Premium Post-dated cheque collection · per transactionAED 10.50 per cheque
Gold Post-dated cheque collection · per transactionAED 15.75 per cheque
Platinum Post-dated cheque collection · per transactionAED 15.75 per cheque
Essential Post-dated cheque date extension · per transactionAED 26.25 per cheque
Premium Post-dated cheque date extension · per transactionAED 26.25 per cheque
Gold Post-dated cheque date extension · per transactionAED 26.25 per cheque
Platinum Post-dated cheque date extension · per transactionAED 15.75 per cheque
Essential Post-dated cheque withdrawal · per transactionAED 26.25 per cheque
Premium Post-dated cheque withdrawal · per transactionAED 26.25 per cheque
Gold Post-dated cheque withdrawal · per transactionAED 26.25 per cheque
Platinum Post-dated cheque withdrawal · per transactionAED 15.75 per cheque
Essential Edenred payroll card maintenance · per monthAED 4.20 per card per month
Premium Edenred payroll card maintenance · per monthAED 4.20 per card per month
Gold Edenred payroll card maintenance · per monthAED 4.20 per card per month
Platinum Edenred payroll card maintenance · per monthAED 3.15 per card per month
Essential Standing order setup outside digital channels · one-timeAED 105.00 per setup
Premium Standing order setup outside digital channels · one-timeAED 105.00 per setup
Gold Standing order setup outside digital channels · one-timeAED 105.00 per setup
Platinum Standing order setup outside digital channels · one-timeAED 52.50 per setup
Essential Standing order amendment outside digital channels · per transactionAED 105.00 per amendment
Premium Standing order amendment outside digital channels · per transactionAED 105.00 per amendment
Gold Standing order amendment outside digital channels · per transactionAED 105.00 per amendment
Platinum Standing order amendment outside digital channels · per transactionAED 52.50 per amendment
Digital standing order setup · one-timeAED 26.25 per setup
Digital standing order amendment · per transactionAED 15.75 per amendment
Standing order execution · per transactionAED 15.75
Remittance recall or amendment · per transactionAED 105.00 per request
Special cheque clearing · per transactionAED 215.25 per cheque
Stop manager's cheque or demand draft · per transactionAED 52.50 per request
Stop payment of lost cheque book · per transactionAED 525.00 per book
Edenred payroll card issue or replacement · per transactionAED 10.50 per card
WPS payroll file outside digital channels · per transactionAED 1,050.00 per file, plus the plan's per-card processing fee
Non-WPS transfer to another bank · per transactionAED 52.50 per bank
WPS MOL ID registration · per monthAED 105.00 per month per MOL ID
WPS MOL ID cancellation · per transactionAED 525.00 per MOL ID
Account closure within six months · one-timeAED 367.50
Non-submission of renewed trade licence · per monthAED 315.00 per month
Bank reference letter · per transactionAED 262.50 per request
Digital liability or no-liability certificate · per transactionAED 262.50 per request
Liability or no-liability certificate outside digital channels · per transactionAED 525.00 per request
Digital audit or balance confirmation · per transactionAED 262.50 per request
Audit or balance confirmation outside digital channels · per transactionAED 525.00 per request
Account closure certificate · per transactionAED 105.00 per letter
Trade licence update at branch · per transactionAED 315.00 per update; digital update free
Non-CBD UAE ATM withdrawal · per transactionAED 2.00 ; published increase takes effect 30 Nov 2026
Non-CBD UAE ATM balance inquiry · per transactionAED 1.05 per inquiry
GCC ATM withdrawal · per transactionAED 6.00 ; published increase takes effect 30 Nov 2026
GCC ATM balance inquiry · per transactionAED 3.15 per inquiry
Non-GCC ATM withdrawal · per transactionAED 20.00 ; published increase takes effect 30 Nov 2026
Transaction SMS after five monthly free · per transactionAED 0.21 per message after two free months
Debit card replacement · per transactionAED 26.25 ; initial issue and renewal free
International card transaction · per transaction2.1% plus card-scheme charges
Overdraft interest · per month12% per year on debit balance, minimum AED 100 monthly

Good to know

Cheque conduct

Four returned cheques within one year may lead to restrictions or closure.

Important stuff

CBD Business Banking tariff (Sep 2026)

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CBD SME Business Current Account key facts (Aug 2026)

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