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Emirates Islamic Business logo

Emirates Islamic Business

Islamic business bank account packages

Nine business packages from E-Trader and Tajer through Gold, Platinum and Diamond.

Explore

At a glance

Key facts

Account structureQard Hasan current account with no profit on the balance and withdrawal on demand
PackagesEmarati Absher, E-Trader, Tajer, Businesswomen, Digital, Premium, Gold, Platinum and Diamond
CurrenciesAED, USD, GBP and other major currencies; cheque books only for AED and USD accounts
Debit cardAvailable for AED accounts of eligible sole establishments, free-zone enterprises and single-signature LLCs
Monthly average balanceAED 3,000 to AED 3.5 million by package; active finance or brokerage can meet the alternate relationship test
International transfersManual and businessONLINE prices vary by package, with correspondent costs at actuals
PayrollWPS, non-WPS and GPSSA files available through approved branch or digital channels
Digital accessbusinessONLINE transfers, salary files, statements and certificates
See plans

Fees

Euro account maintenance, all packages · per monthEUR 52.5
Gold, Platinum or Diamond downgrade within six monthsAED 210
Account closure within six months, all packagesAED 210
See all fees

Use cases

Use casesBusiness accounts, International payments, Payroll

Plans

Emarati Absher

AED 105 per month

Minimum monthly average balanceAED 5,000; waived for the first six months
Best suited toNew Emarati-owned businesses
SupportWorkshops, networking and dedicated support

E-Trader

Free per month

Minimum monthly average balanceAED 3,000
EligibilityUAE or GCC national with a Dubai DED E-Trader licence

Tajer

Free per month

Minimum monthly average balanceAED 3,000
EligibilityUAE or GCC national with an ADDED e-commerce licence

Businesswomen

AED 105 per month

Minimum monthly average balanceAED 10,000; waived for the first 12 months
Best suited toWomen-owned SMEs
SupportMultilingual relationship managers and specialists

Digital

AED 236.25 per month

Minimum monthly average balanceAED 10,000
Best suited toNew-to-bank SMEs seeking online banking
AccessDigital transactions and cash-management tools

Premium

AED 131.25 per month

Minimum monthly average balanceAED 50,000
Best suited toGrowing businesses with basic to moderate banking needs

Gold

Free per month

Minimum monthly average balanceAED 150,000
Compared with PremiumBroader tariff reductions and enhanced services

Platinum

Free per month

Minimum monthly average balanceAED 400,000
Best suited toLarger, more active businesses
SupportAdvanced relationship support

Diamond

Free per month

Minimum monthly average balanceAED 3.5 million
Best suited toHigh-value enterprises
SupportPriority access and personalised service

Fees

52.5EUR

Euro account maintenance, all packages · per month

210AED

Gold, Platinum or Diamond downgrade within six months

210AED

Account closure within six months, all packages

Manual cheque-book request, all packagesAED 52.5
Returned cheque or direct-debit authority, all packagesAED 315
Returned cheque marked represent after three working daysAED 315
Inward cheque clearing, all packagesFree
Cheque collection courierAED 84
Cheque collection commission0.125% of cheque, minimum AED 52.50, maximum AED 525, plus courier
Online balance certificate, all packagesAED 78.75
Branch WPS salary file for approved customersAED 787.50 per file plus AED 3.15 per non-EI/ENBD account
businessONLINE WPS salary fileAED 57.75 per file plus AED 3.15 per non-EI/ENBD account; Diamond free
Branch non-WPS salary file for approved customersAED 210 per file plus AED 3.15 per non-EI/ENBD account
businessONLINE non-WPS salary fileAED 105 per file plus AED 3.15 per non-EI/ENBD account
Branch GPSSA pension fileAED 210 per file plus AED 2.10 per beneficiary
businessONLINE GPSSA pension fileAED 52.50 per file plus AED 2.10 per beneficiary
businessONLINE Noqodi top-up or voucher, all packagesAED 10.5
Physical statement courier delivery, all packagesAED 262.5
Monthly electronic statement or digitally stamped downloadFree
Manual trade-licence update processingAED 105
Trade licence not renewed after two-month grace, all packages · per monthAED 367.5
Foreign-currency cash deposit in same currency1%, minimum AED 105
Foreign-currency cash withdrawal in same currency1%, minimum AED 105
Emarati Absher bulk teller cash at AED 1 million daily0.25% of daily total
Tajer/E-Trader bulk teller cash at AED 1 million daily0.25% of daily total
Businesswomen bulk teller cash at AED 1 million daily0.25% of daily total
Digital bulk teller cash at AED 1 million daily0.5% of daily total
Premium bulk teller cash at AED 1 million daily0.25% of daily total
Gold bulk teller cash at AED 1 million daily0.15% of daily total
Platinum bulk teller cash at AED 1 million daily0.1% of daily total
Diamond bulk teller cash at AED 3 million daily0.1% of daily total
Emarati Absher charge when balance, active finance and brokerage conditions are all unmet · per monthAED 52.5*

*Waived for the first six months.

Tajer/E-Trader charge when balance, active finance and brokerage conditions are all unmet · per monthAED 315*

*Waived for the first 12 months.

Businesswomen charge when balance, active finance and brokerage conditions are all unmet · per monthAED 315*

*Waived for the first 12 months.

Digital charge when balance, active finance and brokerage conditions are all unmet · per monthAED 52.5
Premium charge when balance, active finance and brokerage conditions are all unmet · per monthAED 315
Gold charge when balance, active finance and brokerage conditions are all unmet · per monthAED 446.25
Platinum charge when balance, active finance and brokerage conditions are all unmet · per monthAED 682.5
Diamond charge when balance, active finance and brokerage conditions are all unmet · per monthAED 2,100
Emarati Absher relationship fee · per monthAED 105
Tajer/E-Trader relationship fee · per monthFree
Businesswomen relationship fee · per monthAED 105
Digital relationship fee · per monthAED 236.25
Premium relationship fee · per monthAED 131.25
Gold relationship fee · per monthFree
Platinum relationship fee · per monthFree
Diamond relationship fee · per monthFree
Emarati Absher teller transaction after monthly allowanceAED 52.5*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Tajer/E-Trader teller transaction after monthly allowanceAED 10.5*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Businesswomen teller transaction after monthly allowanceAED 10.5*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Digital teller transaction after monthly allowanceAED 105*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Premium teller transaction after monthly allowanceAED 78.75*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Gold teller transaction after monthly allowanceAED 15.75*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Platinum teller transaction after monthly allowanceAED 10.5*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Diamond teller transaction after monthly allowanceAED 5.25*

*Tajer/E-Trader and Businesswomen include five; Gold five, Platinum ten and Diamond thirty per month.

Emarati Absher 50-leaf cheque bookAED 52.5
Tajer/E-Trader 50-leaf cheque bookAED 26.25
Businesswomen 50-leaf cheque bookAED 52.5
Digital 50-leaf cheque bookAED 52.5
Premium 50-leaf cheque bookAED 52.5
Gold 50-leaf cheque bookFree
Platinum 50-leaf cheque bookFree
Diamond 50-leaf cheque bookFree
Emarati Absher branch cheque-book deliveryAED 31.5
Tajer/E-Trader branch cheque-book deliveryAED 31.5
Businesswomen branch cheque-book deliveryAED 31.5
Digital branch cheque-book deliveryAED 105
Premium branch cheque-book deliveryAED 31.5
Gold branch cheque-book deliveryAED 26.25
Platinum branch cheque-book deliveryAED 21
Diamond branch cheque-book deliveryAED 21
Emarati Absher returned-cheque collection after 14 days, collection from another branch or courier deliveryAED 15.75
Tajer/E-Trader returned-cheque collection after 14 days, collection from another branch or courier deliveryAED 26.5
Businesswomen returned-cheque collection after 14 days, collection from another branch or courier deliveryAED 15.75
Digital returned-cheque collection after 14 days, collection from another branch or courier deliveryAED 26.5
Premium returned-cheque collection after 14 days, collection from another branch or courier deliveryAED 26.5
Gold returned-cheque collection after 14 days, collection from another branch or courier deliveryAED 26.5
Platinum returned-cheque collection after 14 days, collection from another branch or courier deliveryAED 15.75
Diamond returned-cheque collection after 14 days, collection from another branch or courier deliveryFree
Emarati Absher manual local transfer, plus any Central Bank chargeAED 78.75
Tajer/E-Trader manual local transfer, plus any Central Bank chargeAED 31.5
Businesswomen manual local transfer, plus any Central Bank chargeAED 78.75
Digital manual local transfer, plus any Central Bank chargeAED 157.5
Premium manual local transfer, plus any Central Bank chargeAED 78.75
Gold manual local transfer, plus any Central Bank chargeAED 52.5
Platinum manual local transfer, plus any Central Bank chargeAED 42
Diamond manual local transfer, plus any Central Bank chargeAED 31.5
Emarati Absher manual international transfer, plus correspondent chargesAED 105
Tajer/E-Trader manual international transfer, plus correspondent chargesAED 52.5
Businesswomen manual international transfer, plus correspondent chargesAED 105
Digital manual international transfer, plus correspondent chargesAED 157.5
Premium manual international transfer, plus correspondent chargesAED 105
Gold manual international transfer, plus correspondent chargesAED 78.75
Platinum manual international transfer, plus correspondent chargesAED 78.75
Diamond manual international transfer, plus correspondent chargesAED 78.75
Emarati Absher businessONLINE local transfer, plus any Central Bank chargeAED 21
Tajer/E-Trader businessONLINE local transfer, plus any Central Bank chargeAED 10.5
Businesswomen businessONLINE local transfer, plus any Central Bank chargeAED 10.5
Digital businessONLINE local transfer, plus any Central Bank chargeAED 1.05
Premium businessONLINE local transfer, plus any Central Bank chargeAED 21
Gold businessONLINE local transfer, plus any Central Bank chargeAED 10.5
Platinum businessONLINE local transfer, plus any Central Bank chargeFree
Diamond businessONLINE local transfer, plus any Central Bank chargeFree
Emarati Absher businessONLINE international transfer, plus correspondent chargesAED 31.5
Tajer/E-Trader businessONLINE international transfer, plus correspondent chargesAED 15.75
Businesswomen businessONLINE international transfer, plus correspondent chargesAED 15.75
Digital businessONLINE international transfer, plus correspondent chargesAED 21
Premium businessONLINE international transfer, plus correspondent chargesAED 31.5
Gold businessONLINE international transfer, plus correspondent chargesAED 26.25
Platinum businessONLINE international transfer, plus correspondent chargesAED 15.75
Diamond businessONLINE international transfer, plus correspondent chargesFree
Emarati Absher branch balance certificateAED 157.5
Tajer/E-Trader branch balance certificateAED 157.5
Businesswomen branch balance certificateAED 157.5
Digital branch balance certificateAED 262.5
Premium branch balance certificateAED 157.5
Gold branch balance certificateAED 157.5
Platinum branch balance certificateAED 131.25
Diamond branch balance certificateAED 131.25
Emarati Absher branch statement copy minimum, plus AED 5.25 per pageAED 52.5
Tajer/E-Trader branch statement copy minimum, plus AED 5.25 per pageAED 52.5
Businesswomen branch statement copy minimum, plus AED 5.25 per pageAED 52.5
Digital branch statement copy minimum, plus AED 5.25 per pageAED 105
Premium branch statement copy minimum, plus AED 5.25 per pageAED 52.5
Gold branch statement copy minimum, plus AED 5.25 per pageAED 26.25
Platinum branch statement copy minimum, plus AED 5.25 per pageAED 21
Diamond branch statement copy minimum, plus AED 5.25 per pageAED 21
Emarati Absher liability or no-liability letterAED 210
Tajer/E-Trader liability or no-liability letterAED 210
Businesswomen liability or no-liability letterAED 210
Digital liability or no-liability letterAED 262.5
Premium liability or no-liability letterAED 210
Gold liability or no-liability letterAED 157.5
Platinum liability or no-liability letterAED 105
Diamond liability or no-liability letterAED 105
Emarati Absher standing-instruction setupAED 78.75
Tajer/E-Trader standing-instruction setupAED 78.75
Businesswomen standing-instruction setupAED 78.75
Digital standing-instruction setupAED 105
Premium standing-instruction setupAED 78.75
Gold standing-instruction setupAED 52.5
Platinum standing-instruction setupAED 26.25
Diamond standing-instruction setupAED 26.25
Emarati Absher standing-instruction amendmentAED 31.5
Tajer/E-Trader standing-instruction amendmentAED 31.5
Businesswomen standing-instruction amendmentAED 31.5
Digital standing-instruction amendmentAED 57.75
Premium standing-instruction amendmentAED 31.5
Gold standing-instruction amendmentAED 26.25
Platinum standing-instruction amendmentAED 15.75
Diamond standing-instruction amendmentAED 15.75
Emarati Absher failed standing instructionAED 47.25
Tajer/E-Trader failed standing instructionAED 47.25
Businesswomen failed standing instructionAED 47.25
Digital failed standing instructionAED 57.75
Premium failed standing instructionAED 47.25
Gold failed standing instructionAED 42
Platinum failed standing instructionAED 31.5
Diamond failed standing instructionAED 31.5
Emarati Absher annual balance orderAED 189
Tajer/E-Trader annual balance orderAED 189
Businesswomen annual balance orderAED 189
Digital annual balance orderAED 525
Premium annual balance orderAED 189
Gold annual balance orderAED 168
Platinum annual balance orderAED 147
Diamond annual balance orderAED 147
Emarati Absher demand draft, manager's cheque or payment-order issuanceAED 26.25
Tajer/E-Trader demand draft, manager's cheque or payment-order issuanceAED 26.25
Businesswomen demand draft, manager's cheque or payment-order issuanceAED 26.25
Digital demand draft, manager's cheque or payment-order issuanceAED 52.5
Premium demand draft, manager's cheque or payment-order issuanceAED 26.25
Gold demand draft, manager's cheque or payment-order issuanceAED 21
Platinum demand draft, manager's cheque or payment-order issuanceAED 15.75
Diamond demand draft, manager's cheque or payment-order issuanceAED 15.75
Emarati Absher demand draft, manager's cheque or payment-order cancellationFree
Tajer/E-Trader demand draft, manager's cheque or payment-order cancellationFree
Businesswomen demand draft, manager's cheque or payment-order cancellationFree
Digital demand draft, manager's cheque or payment-order cancellationAED 52.5
Premium demand draft, manager's cheque or payment-order cancellationFree
Gold demand draft, manager's cheque or payment-order cancellationFree
Platinum demand draft, manager's cheque or payment-order cancellationFree
Diamond demand draft, manager's cheque or payment-order cancellationFree
Emarati Absher additional UAE or overseas telex requested by customerAED 73.5
Tajer/E-Trader additional UAE or overseas telex requested by customerAED 73.5
Businesswomen additional UAE or overseas telex requested by customerAED 73.5
Digital additional UAE or overseas telex requested by customerAED 105
Premium additional UAE or overseas telex requested by customerAED 73.5
Gold additional UAE or overseas telex requested by customerAED 52.5
Platinum additional UAE or overseas telex requested by customerAED 47.25
Diamond additional UAE or overseas telex requested by customerAED 47.25
Emarati Absher remittance cancellation or fund recallAED 84
Tajer/E-Trader remittance cancellation or fund recallAED 84
Businesswomen remittance cancellation or fund recallAED 84
Digital remittance cancellation or fund recallAED 105
Premium remittance cancellation or fund recallAED 84
Gold remittance cancellation or fund recallAED 84
Platinum remittance cancellation or fund recallAED 73.5
Diamond remittance cancellation or fund recallAED 73.5
Emarati Absher SWIFT message copyAED 21
Tajer/E-Trader SWIFT message copyAED 21
Businesswomen SWIFT message copyAED 21
Digital SWIFT message copyAED 42
Premium SWIFT message copyAED 21
Gold SWIFT message copyAED 15.75
Platinum SWIFT message copyAED 10.5
Diamond SWIFT message copyAED 10.5
Emarati Absher cheque copy younger than six monthsAED 21
Tajer/E-Trader cheque copy younger than six monthsAED 21
Businesswomen cheque copy younger than six monthsAED 21
Digital cheque copy younger than six monthsAED 31.5
Premium cheque copy younger than six monthsAED 21
Gold cheque copy younger than six monthsAED 10.5
Platinum cheque copy younger than six monthsAED 5.25
Diamond cheque copy younger than six monthsAED 5.25
Emarati Absher cheque copy older than six monthsAED 42
Tajer/E-Trader cheque copy older than six monthsAED 42
Businesswomen cheque copy older than six monthsAED 42
Digital cheque copy older than six monthsAED 52.5
Premium cheque copy older than six monthsAED 42
Gold cheque copy older than six monthsAED 21
Platinum cheque copy older than six monthsAED 15.75
Diamond cheque copy older than six monthsAED 15.75
Emarati Absher stop-payment instruction for up to three cheque leavesAED 31.5
Tajer/E-Trader stop-payment instruction for up to three cheque leavesAED 31.5
Businesswomen stop-payment instruction for up to three cheque leavesAED 31.5
Digital stop-payment instruction for up to three cheque leavesAED 52.5
Premium stop-payment instruction for up to three cheque leavesAED 31.5
Gold stop-payment instruction for up to three cheque leavesAED 21
Platinum stop-payment instruction for up to three cheque leavesAED 15.75
Diamond stop-payment instruction for up to three cheque leavesAED 15.75
Emarati Absher stop-payment instruction for more than three cheque leavesAED 42
Tajer/E-Trader stop-payment instruction for more than three cheque leavesAED 42
Businesswomen stop-payment instruction for more than three cheque leavesAED 42
Digital stop-payment instruction for more than three cheque leavesAED 63
Premium stop-payment instruction for more than three cheque leavesAED 42
Gold stop-payment instruction for more than three cheque leavesAED 31.5
Platinum stop-payment instruction for more than three cheque leavesAED 21
Diamond stop-payment instruction for more than three cheque leavesAED 21
Emarati Absher branch audit confirmation or other requested reportAED 157.5
Tajer/E-Trader branch audit confirmation or other requested reportAED 157.5
Businesswomen branch audit confirmation or other requested reportAED 157.5
Digital branch audit confirmation or other requested reportAED 262.5
Premium branch audit confirmation or other requested reportAED 157.5
Gold branch audit confirmation or other requested reportAED 157.5
Platinum branch audit confirmation or other requested reportAED 131.25
Diamond branch audit confirmation or other requested reportAED 131.25
Emarati Absher confidential credit report issued within or outside UAEAED 210
Tajer/E-Trader confidential credit report issued within or outside UAEAED 210
Businesswomen confidential credit report issued within or outside UAEAED 210
Digital confidential credit report issued within or outside UAEAED 262.5
Premium confidential credit report issued within or outside UAEAED 210
Gold confidential credit report issued within or outside UAEAED 210
Platinum confidential credit report issued within or outside UAEAED 210
Diamond confidential credit report issued within or outside UAEAED 210
Emarati Absher post-dated cheque due-date change, substitution or deposit for collectionAED 31.5
Tajer/E-Trader post-dated cheque due-date change, substitution or deposit for collectionAED 31.5
Businesswomen post-dated cheque due-date change, substitution or deposit for collectionAED 31.5
Digital post-dated cheque due-date change, substitution or deposit for collectionAED 42
Premium post-dated cheque due-date change, substitution or deposit for collectionAED 31.5
Gold post-dated cheque due-date change, substitution or deposit for collectionAED 21
Platinum post-dated cheque due-date change, substitution or deposit for collectionAED 15.75
Diamond post-dated cheque due-date change, substitution or deposit for collectionAED 15.75
Emarati Absher UAE courier minimumAED 42
Tajer/E-Trader UAE courier minimumAED 42
Businesswomen UAE courier minimumAED 42
Digital UAE courier minimumAED 63
Premium UAE courier minimumAED 42
Gold UAE courier minimumAED 31.5
Platinum UAE courier minimumAED 21
Diamond UAE courier minimumAED 21
Emarati Absher overseas courier minimumAED 131.25
Tajer/E-Trader overseas courier minimumAED 131.25
Businesswomen overseas courier minimumAED 131.25
Digital overseas courier minimumAED 157.5
Premium overseas courier minimumAED 131.25
Gold overseas courier minimumAED 105
Platinum overseas courier minimumAED 84
Diamond overseas courier minimumAED 84
Emarati Absher outward clean-collection cheque returnAED 52.5
Tajer/E-Trader outward clean-collection cheque returnAED 52.5
Businesswomen outward clean-collection cheque returnAED 52.5
Digital outward clean-collection cheque returnAED 105
Premium outward clean-collection cheque returnAED 52.5
Gold outward clean-collection cheque returnAED 52.5
Platinum outward clean-collection cheque returnAED 52.5
Diamond outward clean-collection cheque returnAED 52.5
Emarati Absher inward clean collection proceeds by demand draftAED 10.5
Tajer/E-Trader inward clean collection proceeds by demand draftAED 10.5
Businesswomen inward clean collection proceeds by demand draftAED 10.5
Digital inward clean collection proceeds by demand draftAED 10.5
Premium inward clean collection proceeds by demand draftAED 10.5
Gold inward clean collection proceeds by demand draftFree
Platinum inward clean collection proceeds by demand draftFree
Diamond inward clean collection proceeds by demand draftFree
Emarati Absher inward clean collection proceeds by transferAED 63
Tajer/E-Trader inward clean collection proceeds by transferAED 63
Businesswomen inward clean collection proceeds by transferAED 63
Digital inward clean collection proceeds by transferAED 63
Premium inward clean collection proceeds by transferAED 63
Gold inward clean collection proceeds by transferFree
Platinum inward clean collection proceeds by transferFree
Diamond inward clean collection proceeds by transferFree
All packages special outward cheque clearingAED 262.5
Emarati Absher post-dated cheque due-date extension or substitutionAED 31.5
Tajer/E-Trader post-dated cheque due-date extension or substitutionAED 31.5
Businesswomen post-dated cheque due-date extension or substitutionAED 31.5
Digital post-dated cheque due-date extension or substitutionAED 42
Premium post-dated cheque due-date extension or substitutionAED 31.5
Gold post-dated cheque due-date extension or substitutionAED 21
Platinum post-dated cheque due-date extension or substitutionAED 15.75
Diamond post-dated cheque due-date extension or substitutionAED 15.75
All packages domestic faxAED 26.25
All packages overseas faxAED 52.5
Emarati Absher additional domestic telex or SWIFT message minimumAED 47.25
Tajer/E-Trader additional domestic telex or SWIFT message minimumAED 47.25
Businesswomen additional domestic telex or SWIFT message minimumAED 47.25
Digital additional domestic telex or SWIFT message minimumAED 63
Premium additional domestic telex or SWIFT message minimumAED 47.25
Gold additional domestic telex or SWIFT message minimumAED 31.5
Platinum additional domestic telex or SWIFT message minimumAED 21
Diamond additional domestic telex or SWIFT message minimumAED 21
Emarati Absher additional international telex or SWIFT message minimumAED 63
Tajer/E-Trader additional international telex or SWIFT message minimumAED 63
Businesswomen additional international telex or SWIFT message minimumAED 63
Digital additional international telex or SWIFT message minimumAED 73.5
Premium additional international telex or SWIFT message minimumAED 63
Gold additional international telex or SWIFT message minimumAED 47.25
Platinum additional international telex or SWIFT message minimumAED 31.5
Diamond additional international telex or SWIFT message minimumAED 31.5
Wakala deposit Wakeel requestAED 105
Salary SIF file, all packagesAED 52.5
Salary SIF beneficiary, all packagesAED 2.1
Standard outward clean collectionFree
Outward clean-collection cash-letter commission0.1%, minimum AED 21, maximum AED 525, plus AED 10.50 postage
Inward clean-collection commission0.125%, minimum AED 42, maximum AED 525
Post-dated cheque encashment letter0.125% of cheque amount
BUNA inward AED or JOD transfer up to USD 1,000 equivalentUSD 2
BUNA inward AED or JOD transfer over USD 1,000 through USD 10,000 equivalentUSD 4
BUNA inward AED or JOD transfer over USD 10,000 equivalentUSD 6
Domestic transaction postage minimumAED 15.75
Overseas transaction postage minimumAED 31.5

Good to know

Below-balance test

The package fee applies only when none of the monthly average balance, active-finance or active brokerage conditions is met. Absher has a six-month initial waiver; E-Trader, Tajer and Businesswomen have 12 months.

Package changes

The bank may downgrade a package after the minimum balance is missed for three consecutive months. Gold, Platinum and Diamond have a charge for downgrade within six months.

Cheque books

New accounts may receive only ten cheque leaves during the first six months, depending on the entity's credit-bureau rating. Cheque books are issued only for AED and USD accounts.

Debit cards

Cards are for AED accounts and eligible sole, free-zone and single-signatory LLC entities; the current-account key facts do not promise a card to every company.

WPS processing

Branch WPS files require approval. Per-account charges are waived for Emirates Islamic and Emirates NBD beneficiary accounts; Diamond's digital WPS file is free.

Documents and conduct

Keep identity, passport, visa and trade-licence records current. Four insufficient-funds returned cheques in a year can cause account closure and credit-bureau listing.

Foreign transfers

Correspondent and Central Bank charges apply on actual basis in addition to listed manual or businessONLINE fees.

Important stuff

Emirates Islamic Business schedule of charges

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Emirates Islamic business current-account key facts

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Emirates Islamic business account forms

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