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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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Kredit is a product of SMART SPEND - FZCO, a licensed entity under the International Free Zone Authority (IFZA), UAE

United Arab Bank Business logo

United Arab Bank Business

Corporate current account

Company accounts with local and international transfers and salary payments.

Explore

At a glance

Key facts

Opening and average balanceAED 25,000
CurrenciesAED, USD, EUR and GBP
OpeningUAE trade licence, owner and signatory IDs, company documents and financial records required
ChequesFirst 10-leaf cheque book may be free after satisfactory AECB review
PaymentsOnline and branch local and international transfers
PayrollWPS and non-WPS salary payments

Fees

Non-borrowing relationship · per monthAED 52.5
Below AED 25,000 monthly average · per monthAED 262.5
Closure within six months · one-timeAED 262.5
See all fees

Use cases

Use casesBusiness accounts, Payroll, International payments

Fees

52.5AED

Non-borrowing relationship · per month

AED 52.50 per month

262.5AED

Below AED 25,000 monthly average · per month

AED 262.50 per month

262.5AED

Closure within six months · one-time

AED 262.50

Expired trade licence · per monthAED 157.50 per month after one-month grace
Liability letter · per transactionAED 105
Balance certificate · per transactionAED 262.50
Capital deposit certificate · per transactionAED 525
Stop payment · per transactionAED 157.50
Account closing certificate · per transactionAED 105
Past record or page · per transactionAED 52.50 per record or page
Duplicate statement up to six months · per transactionAED 210
Duplicate statement older than six months · per transactionAED 315, plus AED 525 for each additional six months
Cheque photocopy up to six months · per transactionAED 105
Cheque photocopy older than six months · per transactionAED 262.50
Additional cheque leaf · per transactionAED 1.05 per leaf; first 10-leaf book may be free after AECB review
Teller cash deposit or withdrawal · per transactionAED 10.50
Outward returned cheque · per transactionAED 105
Inward returned cheque · per transactionAED 262.50
Manager's cheque issue · per transactionAED 31.50
Manager's cheque stop · per transactionAED 105
Local transfer online · per transactionAED 26.25
Local transfer at branch · per transactionAED 52.50
International foreign-currency transfer online · per transactionAED 52.50 plus correspondent charges
International foreign-currency transfer at branch · per transactionAED 105 plus correspondent charges
International transfer with OUR correspondent-charge option · per transactionAED 157.50
Cross-border payment with OUR correspondent-charge option · per transferAED 105 plus actual correspondent-bank charges
SWIFT transfer cancellation or stop payment · per transferAED 105 plus actual correspondent-bank charges
Payment status inquiry · per transactionAED 105
Incoming international transfer · per transactionAED 10.50
WPS or non-WPS salary online · per transactionAED 5.25 per salary
WPS or non-WPS salary at branch · per transactionAED 10.50 per salary
Pension payment · per transactionAED 5.25
Standing instruction setup · per transactionAED 105
Standing instruction amendment or suspension · per transactionAED 52.50
Standing instruction with insufficient funds · per transactionAED 26.25
Business online banking setup · one-timeAED 525
Business online security token · per transactionAED 577.50 per device
Daily account movement feed setup · one-timeAED 1,050
Daily account movement feed · per monthAED 210
Host-to-host setup · one-timeAED 2,100
Host-to-host service · per monthAED 210
Remote cheque printing setup · one-timeAED 525
Remote cheque printing service · per monthAED 210
Remote cheque printing · per transactionAED 2.10 per cheque
Special cheque clearing · per transactionAED 215.25 per cheque
Post-dated cheque custody, extension or early withdrawal · per transactionAED 10.50 per cheque

Good to know

Cheque history

Four bounced cheques may restrict cheque facilities or the account.

International transfer charges

Correspondent bank charges can apply on top of UAB's international transfer charge.

Important stuff

UAB wholesale account services schedule (Apr 2026)

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UAB cash management schedule (Dec 2025)

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UAB SME current account key facts (Sep 2026)

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