HBL UAE Business Current

Business current account

Business current account with online banking, cheques and UAE transfers.

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At a glance

Key facts

Account typeBusiness current account opened at an HBL UAE branch

Minimum balanceAED 25,000 monthly average or equivalent under the 2026 business tariff

CurrenciesAED, USD, EUR, GBP and CAD listed for business current accounts

Cheque bookFirst 10-leaf business book included; later leaves charged at published precision

Digital accessOnline banking, internal account transfers and electronic statements

International transfersLocal and international FTS/SWIFT options with separate OUR correspondent fees

PayrollWPS salary processing priced by business agreement

Opening documentsTrade licence and company constitutional documents

Tariff dateBusiness Banking section of HBL UAE Schedule of Charges 2026

Fees

Business current account below AED 25,000 monthly average or equivalent · per monthAED 262.5

Business current-account service, collected twice yearlyAED 157.5

Dormant account activation per customerAED 210

See all fees

Use cases

Use casesBusiness accounts, International payments, Payroll

Fees

262.5AED

Business current account below AED 25,000 monthly average or equivalent · per month

157.5AED

Business current-account service, collected twice yearly

210AED

Dormant account activation per customer

Account closure within six monthsAED 210

Account closure after six monthsFree

Account-closure certificateFree

Standing-instruction setupAED 105

Standing order failed for insufficient fundsAED 210

Standing-instruction amendmentAED 78.75

Standing-instruction cancellationAED 52.5

MOFA or UAE Central Bank document attestationAED 2,150

Balance certificateAED 262.5

Salary confirmation letter to Ministry of LabourAED 105

Trade-licence certificateAED 367.5

No-liability certificateAED 52.5

Release letterAED 52.5

Liability letter to government or embassyAED 63

Liability letter to financial institutionAED 63

IBAN certificateAED 52.5

Authorized-signatory confirmationAED 52.5

Statement verification for visa or immigrationAED 26.25

Foreign cheque for collection, plus courierAED 105

Special cheque clearingAED 210

Post-dated cheque handlingAED 21

Post-dated cheque withdrawal before due dateAED 21

AED term-deposit placementFree

Foreign-currency term-deposit placementFree

Term-deposit early withdrawalPrevailing rack rate for deposit currency

Electronic statementFree

On-demand branch statement up to six months oldAED 52.5

On-demand branch statement over six months oldAED 157.5

Business cheque-book leaf after first included bookAED 1.3125 per leaf

Photocopy of cheque or instrumentAED 105

Bank or manager's cheque, draft or pay orderAED 52.5

Bank or manager's cheque, draft or pay order cancellationAED 52.5

Cheque stop paymentAED 157.5

Cheque returned drawn on accountAED 210

Cheque collection within UAEFree

Cheque received from another HBL branch outside UAEAED 105

WPS salary file or account setupBy offer or agreement

Outward local AED transfer by branch or online FTS · per transferAED 78.75

Outward local foreign-currency transfer · per transferAED 105

International SHA or BEN transfer · per transferAED 105

Commercial-goods remittance under SHA or BEN · per transferAED 210

International USD transfer under OUR · per transferAED 262.5

Foreign-transfer amendment, beneficiary-bank enquiry or OFAC queryAED 105

Customer-requested transfer recallAED 52.5

OUR correspondent fee for foreign-currency transfer · per transferAED 157.5

Direct-debit authority confirmation, amendment, cancellation or stopAED 52.5

Direct-debit authority returned for insufficient fundsAED 105

Trade licence absent more than two months after expiry · per monthAED 262.5

AECB credit-report inquiry for cheque-book issuanceAED 63

Online transfer between own HBL UAE accounts · per transferFree

Transfer received into HBL UAE account · per transferFree

Good to know

Balance test

The AED 25,000 monthly-average business threshold has a separate monthly charge when the account falls below it.

Account service

The current-account service charge is collected twice a year, separately from any monthly below-balance charge.

Business scope

The listed account and payment charges come from Section 4, Business Banking, of the 2026 schedule. Trade-finance and personal-account terms are separate.

International costs

OUR foreign-currency transfers can add the correspondent amount to the outward transfer charge; further intermediary deductions may apply.

Licence renewal

The monthly expired-trade-licence charge continues in subsequent months until a valid licence is provided.

Important stuff

HBL UAE Business Current schedule of charges

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At a glance

Key facts

Account typeBusiness current account opened at an HBL UAE branch

Minimum balanceAED 25,000 monthly average or equivalent under the 2026 business tariff

CurrenciesAED, USD, EUR, GBP and CAD listed for business current accounts

Cheque bookFirst 10-leaf business book included; later leaves charged at published precision

Digital accessOnline banking, internal account transfers and electronic statements

International transfersLocal and international FTS/SWIFT options with separate OUR correspondent fees

PayrollWPS salary processing priced by business agreement

Opening documentsTrade licence and company constitutional documents

Tariff dateBusiness Banking section of HBL UAE Schedule of Charges 2026

Fees

Business current account below AED 25,000 monthly average or equivalent · per monthAED 262.5

Business current-account service, collected twice yearlyAED 157.5

Dormant account activation per customerAED 210

See all fees

Use cases

Use casesBusiness accounts, International payments, Payroll

Fees

262.5AED

Business current account below AED 25,000 monthly average or equivalent · per month

157.5AED

Business current-account service, collected twice yearly

210AED

Dormant account activation per customer

Account closure within six monthsAED 210

Account closure after six monthsFree

Account-closure certificateFree

Standing-instruction setupAED 105

Standing order failed for insufficient fundsAED 210

Standing-instruction amendmentAED 78.75

Standing-instruction cancellationAED 52.5

MOFA or UAE Central Bank document attestationAED 2,150

Balance certificateAED 262.5

Salary confirmation letter to Ministry of LabourAED 105

Trade-licence certificateAED 367.5

No-liability certificateAED 52.5

Release letterAED 52.5

Liability letter to government or embassyAED 63

Liability letter to financial institutionAED 63

IBAN certificateAED 52.5

Authorized-signatory confirmationAED 52.5

Statement verification for visa or immigrationAED 26.25

Foreign cheque for collection, plus courierAED 105

Special cheque clearingAED 210

Post-dated cheque handlingAED 21

Post-dated cheque withdrawal before due dateAED 21

AED term-deposit placementFree

Foreign-currency term-deposit placementFree

Term-deposit early withdrawalPrevailing rack rate for deposit currency

Electronic statementFree

On-demand branch statement up to six months oldAED 52.5

On-demand branch statement over six months oldAED 157.5

Business cheque-book leaf after first included bookAED 1.3125 per leaf

Photocopy of cheque or instrumentAED 105

Bank or manager's cheque, draft or pay orderAED 52.5

Bank or manager's cheque, draft or pay order cancellationAED 52.5

Cheque stop paymentAED 157.5

Cheque returned drawn on accountAED 210

Cheque collection within UAEFree

Cheque received from another HBL branch outside UAEAED 105

WPS salary file or account setupBy offer or agreement

Outward local AED transfer by branch or online FTS · per transferAED 78.75

Outward local foreign-currency transfer · per transferAED 105

International SHA or BEN transfer · per transferAED 105

Commercial-goods remittance under SHA or BEN · per transferAED 210

International USD transfer under OUR · per transferAED 262.5

Foreign-transfer amendment, beneficiary-bank enquiry or OFAC queryAED 105

Customer-requested transfer recallAED 52.5

OUR correspondent fee for foreign-currency transfer · per transferAED 157.5

Direct-debit authority confirmation, amendment, cancellation or stopAED 52.5

Direct-debit authority returned for insufficient fundsAED 105

Trade licence absent more than two months after expiry · per monthAED 262.5

AECB credit-report inquiry for cheque-book issuanceAED 63

Online transfer between own HBL UAE accounts · per transferFree

Transfer received into HBL UAE account · per transferFree

Good to know

Balance test

The AED 25,000 monthly-average business threshold has a separate monthly charge when the account falls below it.

Account service

The current-account service charge is collected twice a year, separately from any monthly below-balance charge.

Business scope

The listed account and payment charges come from Section 4, Business Banking, of the 2026 schedule. Trade-finance and personal-account terms are separate.

International costs

OUR foreign-currency transfers can add the correspondent amount to the outward transfer charge; further intermediary deductions may apply.

Licence renewal

The monthly expired-trade-licence charge continues in subsequent months until a valid licence is provided.