ADIB Schedule of charges

PERSONAL ACCOUNTS
CARDS, CHEQUES AND SERVICES
REMITTANCES
ADIB/SC_V-7_ July 2016

VISA COVERED CARDS

FINANCES
BANK ASSURANCE

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Dear Valued Customer,

We would like to take this opportunity to thank you for

banking with Abu Dhabi Islamic Bank.

The purpose of this brochure is to provide you with an

update on all our products and services with their assigned
competitive prices.

Should you have any questions about this schedule of

charges or any other products and services, please do not
hesitate to visit any of our ADIB branches or contact us on
our toll free customer service number 800 2288.

Yours sincerely,

ADIB Team

In the event of any change that is applied to the schedule of charges, clients
will be given a notice period of two months prior to implementation of the
new charges.
PERSONAL accounts Tariffs (in aed)
account monthly minimum balance
All Accounts should maintain a minimum balance1 3000

Monthly fall below fee

Account Monthly Charges1 25

Minimum amount required to earn profit on Saving,

Ghina and Banoon Account 5000
(Profits are declared on the first of January, April, July and October)

Unrestricted Recurring
Investment deposit account
Minimum opening amount 10000

cards, cheques & SERVICES

First Debit Card Free
First Chequebook (One Cheque book of 25 leaf). Free

Using ADIB ATM

Withdrawal/Deposit Free
Balance inquiry Free
Mini-statement (last 5 transactions) Free
Transfer within accounts Free
Utility Bill payment Free
(ADDC, AADC, DEWA, SEWA, Etisalat)

Using UAE SWITCH ATM

Withdrawal 2
Inquiry 1
Decline for unsufficient funds only 1
Using GCC SWITCH ATM
Withdrawal as per host country
Inquiry as per host country
Using OVERSEAS ATM FOR VISA Electron
Withdrawal as per host country
International Transaction in Foreign Currency 2%
Conversion Rate
Copy of Sales Slip 25

Cheques
Subsequent chequebook 25
Clearing cheques in UAE Free
Clearing cheques outside of UAE 25 US Dollar
Returned cheques 100
Special clearing 205
50
Stop payment
30
Certified cheque issuance
Post Dated Cheques 25

Cheque sent for collection

Cheques payable at centers where Free
CB clearing facility is available
Cheques payable at centers where Free
CB clearing facility is not available

*Excluding Banoon Account

Services
Mobile Banking Free
SMS Banking Free
Phone Banking Free
e-ADIB Internet Banking Free
Teller Service Free
Monthly Statement Free

Standing Instructions
Setting up 50
Per transaction Free
System auto transfer (account to account) Free
Charitable donation Free

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ADIB Etihad Guest Debit Card (Optional)

Annual Fees/Renewal
Classic (1,000 Etihad Sign Up Guest Miles) 200
Gold (2,000 Etihad Sign Up Guest Miles) 350
Platinum (3,000 Etihad Sign Up Guest Miles) 700
Replacement Fee
Classic 25
Gold 25
Platinum 25

Remittances
Inward Remittance in AED
Credited to account with ADIB Free
Paid in cash at ADIB counter Free
Paid to benefeciary account elsewhere 50
in UAE by SWIFT

In Foreign currency
Paid in AED to an ADIB customer Current declared buying rate
Credited to account in local currency Current declared buying rate
Credited to account in same currency N/A
Remitted elsewhere within UAE in same 75
currency
OUTWARD REMITTANCE TRANSFERS
Online transfers to other ADIB accounts Free
UAE FTS TRANSFERS
Online transfers to accounts outside ADIB 1
Branch / other transfers to accounts outside ADIB 5
SWIFT TRANSFERS
Online International transfers 25
AGCC Countries 100
Other Countries 150
Confirmation of payment to beneficiary 100
SWIFT cancellation / funds recall 100
SWIFT inquiries (overseas) 100

Demand Draft
Issuance to customer 75
Payment order/Managers cheque 30
Cancellation (same day) Buying rate
Stop Payment 150

VISA Covered Cards

Annual Fees / Renewal

ADIB Cashback Visa Card 500

ADIB Cashback Visa Platinum Card 1000

Replacement Fee
ADIB Cashback Visa Card 100
ADIB Cashback Visa Platinum Card 100

Supplementary Fee
ADIB Cashback Visa Card 4 Free (additional AED 500 per card)
ADIB Cashback Visa Platinum Card 4 Free (additional AED 1000 per card)

adib etihad guesT visa card5

Annual Fees / Renewal
Classic (10,000 Etihad Guest Sign Up Miles) 500
Gold (35,000 Etihad Guest Sign Up Miles) 1000
Platinum (50,000 Etihad Guest Sign Up Miles) 2000

Replacement Fee
Classic 100
Gold 100
Platinum 100

Supplementary Fee
Classic 4 Free (additional AED 500 per card)
Gold 4 Free (additional AED 1000 per card)
Platinum 4 Free (additional AED 2000 per card)

ADIB Etisalat Cards

Annual Fees/Renewal
ADIB Etisalat Classic Card Free
ADIB Etisalat Gold Card 299
ADIB Etisalat Visa Platinum Card 999

Replacement Fee
ADIB Etisalat Classic Card 100
ADIB Etisalat Gold Card 100
ADIB Etisalat Visa Platinum Card 100

Supplementary Fee
ADIB Etisalat Classic Card 4 Free
ADIB Etisalat Gold Card 4 Free (additional AED 299 per card)
ADIB Etisalat Visa Platinum Card 4 Free (additional AED 999 per card)
 ADIB REWARDS CARDS
ADIB Mastercard Titanium
Annual Fee/Renewal Free
Replacement Fee 100
Supplementary Fee 4 Free (additional AED 250 per card)

ADIB Visa Platinum
Annual Fee/Renewal Free
Replacement Fee 100
Supplementary Fee 4 Free (additional AED 250 per card)

ADIB Visa Infinite

Annual Fee/Renewal 750 (Free for Diamond customers)
Replacement Fee AED 100 (Free for Diamond customers)
Supplementary Fee 4 Free (additional AED 250 per card)6

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Annual Fee/ Renewal
Replacement Fee 250
Supplementary Fee 100
4 Free (additional AED 250 per card)

Profit rate (incase

there is a Murabaha)
With salary transfer 2.99% flat per month (Profit can be exempted partially
or fully upon payment subject to Banks evaluation)
Without salary transfer 3.09% flat per month (Profit can be exempted partially
or fully upon payment subject to Banks evaluation)
Without salary transfer 2.99% flat per month (Profit can be exempted partially
(Visa Infinite) or fully upon payment subject to Banks evaluation)

For Diamond Customer 2.75% flat per month (Profit can be exempted partially
with Visa Infinite or fully upon payment subject to Banks evaluation)

ADIB Dana Mastercard Titanium

Annual Fee/Renewal Free
Replacement Fee 100
Supplementary Fee 4 Free (additional AED 250 per card)
 finances
Personal Finance4
Finance Amount Salaray Transfer Non-Salary Transfer Debt Settlement
AED 5K - 50K 7.25% - 18% 16% - 18% 6.75% - 9.99%
AED 51K - 100K 7.25% - 18% 16% - 18% 6.75% - 9.99%
AED 101K - 200K 7.25% - 10.49% 16% - 18% 6.75% - 9.99%
Above AED 200K 7.25% - 10.49% 16% - 18% 6.75% - 9.99%
Profit rates are based on reducing rate method

Finance Amount Salaray Transfer Non-Salary Transfer

AED 5K - 50K 2.49% - 3.25% 2.49% - 4.99%
AED 51K - 100K 2.49% - 3.25% 2.49% - 4.99%
AED 101K - 200K 2.49% - 3.25% 2.49% - 4.99%
Above AED 200K 2.49% - 3.25% 2.49% - 4.99%
Profit rates are based on flat rate method

Processing Fees (Non refundable)

Car Finance 1% of financing amount
(minimum AED 500, maximum AED 1500)
Personal Finance 1% of financing amount
(minimum AED 500, maximum AED 2500)
Temporary Overdraft 100
Installment Postponement Free
Changing Post dated Cheque Free
Late Payment charges 100
Al Etihad Credit Bureau Fee 25

Bank Assurance
Cash Cover Takaful Protection (optional) 15 dirham monthly
(Takaful subscription)
Education Takaful Program (optional) 365 (per year)
Covered Card Takaful Protection (optional
across all ADIB covered cards)
Monthly contribution 0.89 fils per 100 of the utilised cover amount

Account closed within 12 months from 100

date of opening
Account balance certificate 50
Duplicate account statement 25
Document/Cheque copy AED 10 for less than 1 year,
AED 20 over 1 year
Liability Certificate 100
Clearance Certificate 50
Other Certificate Free

Safe Deposit lockers** (cm)

Small (35*25*7 ) 350
Medium (35*25*11) 500
Big (35*25*19) 800
Large (35*25*29) 1000
Very Large (35*25*50) 1500
Super (35*25*100) 2000
Replacement Key 1000
Safe Deposit lockers Insurance 1000

1For all foreign currency accounts, respective charges specified in local currency will be converted and applied.
2 Annual rental charges payable in advances.
4 For Personal Finance Tadawul and Sukuk finance products, trading fee is applied.
5 For self funding card please visit http://adib.ae/en/cards-notices for the updated product terms applicable on
your ADIB Card
6
5th supplementary card is AED 750 for Diamond customers.



6.75% - 9.99% 16% -18% 7.25% - 18% 5 50 -
6.75% - 9.99% 16% -18% 7.25% - 18% 51 100 -
6.75% - 9.99% 16% -18% 7.25% - 10.49% 101 200 -
6.75% - 9.99% 16% -18% 7.25% - 10.49% 200

2.49% - 3.25% 2.49% - 3.25% 5 50 -
2.49% - 3.25% 2.49% - 3.25% 51 100 -
2.49% - 3.25% 2.49% - 3.25% 101 200 -
2.49% - 3.25% 2.49% - 3.25% 200

( )

% 1 ( 500
1500 )
% 1 ( 500
2500 )
100
/

100
25

15 ( ) ()
( 365) ()
()
0.89 100

100 12
50
25
10
20
100
50

** ()
350 ()7*25*35
500 ()11*25*35
800 ()19*25*35
1000 ()29*25*35
1500 ()50*25*35
2000 ()100*25*35
1000
1000

1
.
2 .
4

5 http://adib.ae/en/cards-notices

750 6



100
4 ( 250 ) ( )

100
4 ( 250 ) ( )

( 750 )
( 100 )
6
4 ( 250 ) ( )

250
100
4 ( 250 ) ( )

( )
% 2.99 (
)
% 3.09 (
)
% 2.99 ( ( )
)
% 2.75 (
)

100
4 ( 250 ( )
)



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1
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25
100
150
100
100 ( / )SWIFT
100 ( )SWIFT

75
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500
1000

100
100

( )
4 ( 500 )
4 ( 1000 )

5

500 ( 10,000 )
1000 ( 35,000 )
2000 ( 50,000 )

100
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4 ( 500 )
4 ( 1000 )
4 ( 2000 )



299
999

100
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200 ( 1,000 )
350 ( 2,000 )
700 ( 3,000 )

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(
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( 5)

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25

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205
50
30
25

.800 2288

ADIB/SC_V-7_ July 2016

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