Schedule of charges رﺳﻮم اﻟﺨﺪﻣﺎت اﻟﻤﺼﺮﻓﻴﺔ 1 1 )(in AED )ﺑﺎﻟﺪرﻫﻢ( اﻟﺤﺴﺎﺑﺎت اﻟﺸﺨﺼﻴﺔ اﻟﺤﺪ ادﻧﻰ ﻟﻠﺮﺻﻴﺪ اﻟﺸﻬﺮي ﻓﻲ اﻟﺤﺴﺎب اﻟﺤﺴﺎب اﻟﺠﺎري اﻟﺤﺴﺎب اﻟﻲ ﺣﺴﺎب اﻟﺘﻮﻓﻴﺮ ﺣﺴﺎب ﻏﻨﻰ ﻟﻠﺮواﺗﺐ 3 ﺣﺴﺎب اﻟﺘﻮﻓﻴﺮ »ﻏِ ﻨﻰ« اﻟﺮﺳﻢ اﻟﺸﻬﺮي إذا ﻗﻞ رﺻﻴﺪ اﻟﺤﺴﺎب ﻋﻦ 3000درﻫﻢ ﺧﻼل أي ﺷﻬﺮ اﻟﺤﺴﺎب اﻟﺠﺎري اﻟﺤﺴﺎب اﻟﻲ ﺣﺴﺎب اﻟﺘﻮﻓﻴﺮ ﺣﺴﺎب اﻟﺘﻮﻓﻴﺮ »ﻏِ ﻨﻰ« اﻟﺤﺪ ادﻧﻰ ﻟﻠﺮﺻﻴﺪ ﻟﺘﺤﺼﻴﻞ أرﺑﺎح )ﻣﻦ ارﺑﺎح اﻟﻤﺘﺤﻘﻘﺔ( ﻋﻠﻰ ﺣﺴﺎب اﻟﺘﻮﻓﻴﺮ ،ﺣﺴﺎب ﻏﻨﻰ وﺣﺴﺎب ﺑﻨﻮن 3000 3000 3000 3000 3000 3000 3000 3000 3000 3000 25 25 25 25 5000 25 25 25 25 25 5000 )ﺗﻮزﻳﻊ ارﺑﺎح ﻳﺘﻢ ﻓﻲ اول ﻣﻦ ﻳﻨﺎﻳﺮ ،أﺑﺮﻳﻞ ،ﻳﻮﻟﻴﻮ و أﻛﺘﻮﺑﺮ( ﺣﺴﺎب اﻟﻮداﺋﻊ اﻻﺳﺘﺜﻤﺎرﻳﺔ ﻏﻴﺮ اﻟﻤﻘﻴﺪة اﻟﻤﺴﺘﻤﺮة اﻟﺤﺪ ادﻧﻰ ﻟﻤﺒﻠﻎ اﻟﻮدﻳﻌﺔ إﻋﺎدة إﺻﺪار وﺛﻴﻘﺔ إﻳﺪاع إﺿﺎﻓﻴﺔ اﻟﺒﻄﺎﻗﺎت و اﻟﺸﻴﻜﺎت ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ اﻟﻤﺒﺎﺷﺮ )إﻟﻜﺘﺮون( اﺻﺪار ﺑﻄﺎﻗﺔ ﺟﺪﻳﺪة اﺻﺪار ﺑﺪل ﻓﺎﻗﺪ أو ﺗﺎﻟﻒ ﺑﻄﺎﻗﺔ اﻟﺨﺼﻢ اﻟﻤﺒﺎﺷﺮ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ وﺿﻴﻒ اﻻﺗﺤﺎد )اﺧﺘﻴﺎري( اﻟﺮﺳﻢ اﻟﺴﻨﻮي اﻟﻜﻼﺳﻴﻜﻴﺔ اﻟﺬﻫﺒﻴﺔ ﻓﻴﺰا اﻧﻔﻴﻨﻴﺖ رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﻜﻼﺳﻴﻜﻴﺔ اﻟﺬﻫﺒﻴﺔ ﻓﻴﺰا اﻧﻔﻴﻨﻴﺖ اﺳﺘﺨﺪام أﺟﻬﺰة اﻟﺼﺮاف ا¡ﻟﻲ اﻟﺘﺎﺑﻌﺔ ﻟﻠﻤﺼﺮف ﺳﺤﺐ/إﻳﺪاع اﺳﺘﻔﺴﺎر ﻋﻦ اﻟﺮﺻﻴﺪ ﻛﺸﻒ ﻣﺼﻐﺮ )آﺧﺮ 5ﻋﻤﻠﻴﺎت( اﻟﺘﺤﻮﻳﻞ ﺑﻴﻦ ﺣﺴﺎﺑﺎﺗﻚ ﻓﻲ اﻟﻤﺼﺮف دﻓﻊ ﻓﻮاﺗﻴﺮ اﻟﺨﺪﻣﺎت )أﺑﻮﻇﺒﻲ/اﻟﻌﻴﻦ ﻟﻠﺘﻮزﻳﻊ وﻫﻴﺌﺔ ﻛﻬﺮﺑﺎء وﻣﻴﺎه دﺑﻲ/اﻟﺸﺎرﻗﺔ واﺗﺼﺎﻻت( اﺳﺘﺨﺪام أﺟﻬﺰة اﻟﺼﺮاف ا¡ﻟﻲ )اﻟﺘﺎﺑﻌﺔ ﻟﻤﻘﺴﻢ اﻣﺎرات( ﺳﺤﺐ اﺳﺘﻔﺴﺎر ﻋﻦ اﻟﺮﺻﻴﺪ اﻟﺤﺮﻛﺔ اﻟﻤﺮﻓﻮﺿﺔ ﻟﻌﺪم ﺗﻮﻓﺮ رﺻﻴﺪ ﻛﺎف اﺳﺘﺨﺪام أﺟﻬﺰة اﻟﺼﺮاف ا¡ﻟﻲ )اﻟﺘﺎﺑﻌﺔ ﻟﻤﻘﺴﻢ دول ﻣﺠﻠﺲ اﻟﺘﻌﺎون اﻟﺨﻠﻴﺠﻲ( ﺳﺤﺐ اﺳﺘﻔﺴﺎر ﻋﻦ اﻟﺮﺻﻴﺪ اﺳﺘﺨﺪام أﺟﻬﺰة اﻟﺼﺮاف ا¡ﻟﻲ اﻟﺪوﻟﻴﺔ ﻟﺒﻄﺎﻗﺔ ﻓﻴﺰا اﻟﻜﺘﺮون ﺳﺤﺐ ﻧﺴﺒﺔ إﺿﺎﻓﻴﺔ ﻋﻠﻰ اﻟﺴﻌﺮ اﻟﺴﺎﺋﺪ ﻟﺼﺮف اﻟﻌﻤﻼت اﺟﻨﺒﻴﺔ ﺻﻮرة ﻋﻦ ﻓﺎﺗﻮرة اﻟﻤﺒﻴﻌﺎت ﺑﻄﺎﻗﺎت اﺳﺘﺮﺟﺎع اﻟﻨﻘﺪى ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي اﻟﺒﻄﺎﻗﺔ ﻓﻴﺰا ذات ا¶ﺳﺘﺮﺟﺎع اﻟﻨﻘﺪي ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ذات ا¶ﺳﺘﺮﺟﺎع اﻟﻨﻘﺪي ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺒﻄﺎﻗﺔ ﻓﻴﺰا ذات ا¶ﺳﺘﺮﺟﺎع اﻟﻨﻘﺪي ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ذات ا¶ﺳﺘﺮﺟﺎع اﻟﻨﻘﺪي ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( اﻟﺒﻄﺎﻗﺔ ﻓﻴﺰا ذات ا¶ﺳﺘﺮﺟﺎع اﻟﻨﻘﺪي ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ذات ا¶ﺳﺘﺮﺟﺎع اﻟﻨﻘﺪي ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ ﺑﻄﺎﻗﺎت ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ وﺿﻴﻒ اﺗﺤﺎد5 اﻟﺮﺳﻢ اﻟﺴﻨﻮي اﻟﺒﻄﺎﻗﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد اﻟﺒﻄﺎﻗﺔ اﻟﺬﻫﺒﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ اﻻﺗﺤﺎد ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺒﻄﺎﻗﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد اﻟﺒﻄﺎﻗﺔ اﻟﺬﻫﺒﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ اﻻﺗﺤﺎد ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( اﻟﺒﻄﺎﻗﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد اﻟﺒﻄﺎﻗﺔ اﻟﺬﻫﺒﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ ا¶ﺗﺤﺎد ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ اﻻﺗﺤﺎد ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ ﺑﻄﺎﻗﺎت ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ واﺗﺼﺎﻻت اﻟﺮﺳﻢ اﻟﺴﻨﻮي اﻟﺒﻄﺎﻗﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت اﻟﺒﻄﺎﻗﺔ اﻟﺬﻫﺒﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺒﻄﺎﻗﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت اﻟﺒﻄﺎﻗﺔ اﻟﺬﻫﺒﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( اﻟﺒﻄﺎﻗﺔ اﻟﻜﻼﺳﻴﻜﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت اﻟﺒﻄﺎﻗﺔ اﻟﺬﻫﺒﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ واﺗﺼﺎﻻت ﺑﻄﺎﻗﺔ اﻟﺪاﻧﺔ ﻣﺎﺳﺘﺮﻛﺎرد ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( ﺑﻄﺎﻗﺔ ﻛﺮة اﻟﻘﺪم ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( ﺑﻄﺎﻗﺔ ﻣﺎﺳﺘﺮﻛﺎرد ﺗﻴﺘﺎﻧﻴﻮم ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( ﺑﻄﺎﻗﺔ اﻟﻤﻜﺎﻓﺂت ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻧﻔﻴﻨﻴﺖ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ اﺳﻼﻣﻲ اﻟﺮﺳﻢ اﻟﺴﻨﻮي رﺳﻢ ﺑﺪل ﻓﺎﻗﺪ اﻟﺮﺳﻢ اﻟﺴﻨﻮي )ﺑﻄﺎﻗﺔ إﺿﺎﻓﻴﺔ( ﻧﺴﺒﺔ اﻟﺮﺑﺢ )ﻓﻲ ﺣﺎل وﺟﻮد ﻣﺮاﺑﺤﺔ( ﻣﻊ ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ ﺑﺪون ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ ﺑﺪون ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ )ﻓﻴﺰا اﻧﻔﻴﻨﻴﺖ( ﻟﻤﺘﻌﺎﻣﻠﻴﻦ اﻟﺨﺪﻣﺔ اﻟﻤﺎﺳﻴﺔ ﻓﻴﺰا اﻧﻔﻴﻨﻴﺖ ﻣﻊ ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ )ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ اﻻﺗﺤﺎد ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ( ﺑﺪون ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ )ﺑﻄﺎﻗﺔ ﻓﻴﺰا اﻟﺒﻼﺗﻴﻨﻴﺔ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ وﺿﻴﻒ اﻻﺗﺤﺎد ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ( اﻟﺸﻴﻜﺎت أول دﻓﺘﺮ ﺷﻴﻜﺎت ) 25ورﻗﻪ( دﻓﺘﺮ ﺷﻴﻜﺎت إﺿﺎﻓﻲ ﺗﺤﺼﻴﻞ ﺷﻴﻜﺎت داﺧﻞ ا¶ﻣﺎرات ﺗﺤﺼﻴﻞ ﺷﻴﻜﺎت ﺧﺎرج ا¶ﻣﺎرات ﺷﻴﻜﺎت ﻣﺮﺗﺠﻌﺔ ﺗﺤﺼﻴﻞ ﺧﺎص وﺳﺮﻳﻊ أﻣﺮ ﺑﻮﻗﻒ اﻟﺪﻓﻊ إﺻﺪار ﺷﻴﻚ ﻣﺼﺪق ﺷﻴﻜﺎت ﻣﺆﺟﻠﺔ اﻟﺪﻓﻊ ﺗﺤﺼﻴﻞ اﻟﺸﻴﻜﺎت ﺷﻴﻜﺎت ﻳﻤﻜﻦ ﺻﺮﻓﻬﺎ ﻓﻲ ﻣﺮاﻛﺰ اﻟﺘﺤﺼﻴﻞ اﻟﺨﺎﺻﺔ ﺑﺎﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي ﺷﻴﻜﺎت ﻳﻤﻜﻦ ﺻﺮﻓﻬﺎ ﻓﻲ اﻟﻤﻨﺎﻃﻖ اﻟﺘﻲ ﻻ ﻳﻮﺟﺪ ﻓﻴﻬﺎ ﻣﺮﻛﺰ ﺗﺤﺼﻴﻞ ﺧﺎص ﺑﺎﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي اﻟﺘﺤﻮﻳﻼت ﺗﺤﻮﻳﻼت إﻟﻰ اﻟﺤﺴﺎب ﺑﺎﻟﺪرﻫﻢ اﻣﺎراﺗﻲ ﻣﺪﻓﻮع ﻓﻲ اﻟﺤﺴﺎب ﻟﺪى اﻟﻤﺼﺮف ﻣﺪﻓﻮع ﻧﻘﺪ Âﻋﻨﺪ اﻟﺼﺮاف ﻓﻲ اﻟﻤﺼﺮف ﻣﺪﻓﻮع ﻓﻲ ﺣﺴﺎب اﻟﻤﺴﺘﻔﻴﺪ ﻓﻲ اﻟﻤﺼﺮف داﺧﻞ ا¶ﻣﺎرات ﺑﺎﻟﺴﻮﻳﻔﺖ ﺗﺤﻮﻳﻼت إﻟﻰ اﻟﺤﺴﺎب )ﺑﺎﻟﻌﻤﻠﺔ اﺟﻨﺒﻴﺔ( ﻣﺪﻓﻮع ﺑﺎﻟﺪرﻫﻢ ﻟﻌﻤﻼء اﻟﻤﺼﺮف ﻣﺪﻓﻮع ﻓﻲ اﻟﺤﺴﺎب ﺑﺎﻟﻌﻤﻠﺔ اﻟﻤﺤﻠﻴﺔ ﻣﺪﻓﻮع ﻓﻲ اﻟﺤﺴﺎب ﺑﻨﻔﺲ اﻟﻌﻤﻠﺔ ﻣﺤﻮﻟﺔ داﺧﻞ ا¶ﻣﺎرات ﺑﻨﻔﺲ اﻟﻌﻤﻠﺔ ﺗﺤﻮﻳﻼت ﻣﻦ اﻟﺤﺴﺎب ﺑﺎﻟﺴﻮﻳﻔﺖ دول ﻣﺠﻠﺲ اﻟﺘﻌﺎون اﻟﺨﻠﻴﺠﻲ دول أﺧﺮى ﺗﺄﻛﻴﺪ وﺻﻮل اﻟﺘﺤﻮﻳﻞ إﻟﻰ اﻟﻤﺴﺘﻔﻴﺪ اﻟﺪﻓﻊ ﻋﻦ ﻃﺮﻳﻖ اﻟﻤﺼﺮف اﻟﻤﺮﻛﺰي إﻟﻐﺎء ﺳﻮﻳﻔﺖ/اﺳﺘﺮﺟﺎع اﻟﻤﺒﻠﻎ اﺳﺘﻔﺴﺎرات ﻋﻦ ﺳﻮﻳﻔﺖ ﻣﺤﻮل إﻟﻰ دول ﺧﺎرﺟﻴﺔ إﺻﺪار ﺷﻴﻚ ﺑﺎﻟﻌﻤﻠﺔ اﺟﻨﺒﻴﺔ إﺻﺪار ﺷﻴﻚ ﻟﻠﻌﻤﻼء أﻣﺮ دﻓﻊ/ﺷﻴﻚ اﻟﻤﺪﻳﺮ ﺧﺪﻣﺔ ﺗﻮﺻﻴﻞ اﻟﺒﺮﻳﺪ اﻟﺴﺮﻳﻊ إﻟﻐﺎء اﻟﺸﻴﻚ )ﺧﻼل ﻧﻔﺲ اﻟﻴﻮم( أﻣﺮ ﺑﻮﻗﻒ اﻟﺪﻓﻊ 10000 ﻻﻳﻮﺟﺪ 10000 N/A ﻣﺠﺎﻧÊ 25 Free 25 200 350 700 200 350 700 100 100 100 100 100 100 ﻣﺠﺎﻧÊ ﻣﺠﺎﻧÊ ﻣﺠﺎﻧﺎ ﻣﺠﺎﻧﺎ ﻣﺠﺎﻧﺎ Free Free Free Free Free 2 1 1 2 1 1 وﻓﻘﺎ ﻟﻨﻈﺎم اﻟﺒﻠﺪ اﻟﻤﻀﻴﻒ وﻓﻘﺎ ﻟﻨﻈﺎم اﻟﺒﻠﺪ اﻟﻤﻀﻴﻒ As per host country system As per host country system وﻓﻘﺎ ﻟﻨﻈﺎم اﻟﺒﻠﺪ اﻟﻤﻀﻴﻒ %2 25 As per host country system 2% 25 500 1000 500 1000 100 100 100 100 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 500درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 1000درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( )4 Free (additional AED 500 per card )4 Free (additional AED 1000 per card 500 1000 2000 150ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ 500 1000 2000 GBP 150 100 100 100 20ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ 100 100 100 GBP 20 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 500درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 1000درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 2000درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( 1ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 150ﺑﺎﻟﺠﻨﻴﻪ اﻻﺳﺘﺮﻟﻴﻨﻲ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( )4 Free (additional AED 500 per card )4 Free (additional AED 1000 per card )4 Free (additional AED 2000 per card )1 Free (additional GBP 150 per card ﻣﺠﺎﻧÊ Free 299 999 100 100 100 100 100 100 299 999 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧÊ 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 299درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 999درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( 4 Free )4 Free (additional AED 299 per card )4 Free (additional AED 999 per card ﻣﺠﺎﻧÊ 100 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 250درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( Free 100 )4 Free (additional AED 250 per card 250 100 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 250درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( 250 100 )4 Free (additional AED 250 per card ﻣﺠﺎﻧÊ Free 100 )4 Free (additional AED 250 per card 100 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 250درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( ﻣﺠﺎﻧÊ Free 100 )4 Free (additional AED 250 per card 100 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 250درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( ﻣﺠﺎﻧ) Êﻣﺠﺎﻧﻴﺔ ﻟﻤﺘﻌﺎﻣﻠﻴﻦ اﻟﺨﺪﻣﺔ اﻟﻤﺎﺳﻴﺔ( ) 100ﻣﺠﺎﻧﻴﺔ ﻟﻤﺘﻌﺎﻣﻠﻴﻦ اﻟﺨﺪﻣﺔ اﻟﻤﺎﺳﻴﺔ( 6 4ﺑﻄﺎﻗﺎت ﻣﺠﺎﻧ) Êإﺿﺎﻓﺔ 250درﻫﻢ ﻋﻦ ﻛﻞ ﺑﻄﺎﻗﺔ أﺧﺮى( % 2.99ﻧﺴﺒﺔ ﺛﺎﺑﺘﺔ ﺷﻬﺮﻳ) Êﻳﻤﻜﻦ اﻟﺘﻨﺎزل ﻋﻨﺪ اﻟﺪﻓﻊ ﻋﻦ ﺟﺰء ﻣﻦ اﻟﺮﺑﺢ أو ﻛﻠﻪ وﻓﻘ Êﻟﺘﻘﺪﻳﺮ اﻟﻤﺼﺮف( % 3.09ﻧﺴﺒﺔ ﺛﺎﺑﺘﺔ ﺷﻬﺮﻳ) Êﻳﻤﻜﻦ اﻟﺘﻨﺎزل ﻋﻨﺪ اﻟﺪﻓﻊ ﻋﻦ ﺟﺰء ﻣﻦ اﻟﺮﺑﺢ أو ﻛﻠﻪ وﻓﻘ Êﻟﺘﻘﺪﻳﺮ اﻟﻤﺼﺮف( % 2.99ﻧﺴﺒﺔ ﺛﺎﺑﺘﺔ ﺷﻬﺮﻳ) Êﻳﻤﻜﻦ اﻟﺘﻨﺎزل ﻋﻨﺪ اﻟﺪﻓﻊ ﻋﻦ ﺟﺰء ﻣﻦ اﻟﺮﺑﺢ أو ﻛﻠﻪ وﻓﻘ Êﻟﺘﻘﺪﻳﺮ اﻟﻤﺼﺮف( % 2.75ﻧﺴﺒﺔ ﺛﺎﺑﺘﺔ ﺷﻬﺮﻳ) Êﻳﻤﻜﻦ اﻟﺘﻨﺎزل ﻋﻨﺪ اﻟﺪﻓﻊ ﻋﻦ ﺟﺰء ﻣﻦ اﻟﺮﺑﺢ أو ﻛﻠﻪ وﻓﻘ Êﻟﺘﻘﺪﻳﺮ اﻟﻤﺼﺮف( % 1.67ﻧﺴﺒﺔ ﺛﺎﺑﺘﺔ ﺷﻬﺮﻳ) Êﻳﻤﻜﻦ اﻟﺘﻨﺎزل ﻋﻨﺪ اﻟﺪﻓﻊ ﻋﻦ ﺟﺰء ﻣﻦ اﻟﺮﺑﺢ أو ﻛﻠﻪ وﻓﻘ Êﻟﺘﻘﺪﻳﺮ اﻟﻤﺼﺮف( % 1.67ﻧﺴﺒﺔ ﺛﺎﺑﺘﺔ ﺷﻬﺮﻳ) Êﻳﻤﻜﻦ اﻟﺘﻨﺎزل ﻋﻨﺪ اﻟﺪﻓﻊ ﻋﻦ ﺟﺰء ﻣﻦ اﻟﺮﺑﺢ أو ﻛﻠﻪ وﻓﻘ Êﻟﺘﻘﺪﻳﺮ اﻟﻤﺼﺮف( )750 (Free for Diamond Customer )100 (Free for Diamond Customer 4 Free (additional AED 250 per card)6 )2.99% flat per month (Profit can be exempted partially or fully upon payment subject to Bank’s evaluation )3.09% flat per month (Profit can be exempted partially or fully upon payment subject to Bank’s evaluation )2.99% flat per month (Profit can be exempted partially or fully upon payment subject to Bank’s evaluation )2.75% flat per month (Profit can be exempted partially or fully upon payment subject to Bank’s evaluation )1.67% flat per month (Profit can be exempted partially or fully upon payment subject to Bank’s evaluation )1.67% flat per month (Profit can be exempted partially or fully upon payment subject to Bank’s evaluation ﻣﺠﺎﻧÊ 25 ﻣﺠﺎﻧÊ 25دوﻻر أﻣﺮﻳﻜﻲ 100 205 50 30 25 ﻣﺠﺎﻧÊ ﻣﺠﺎﻧÊ Free 25 Free 25 US Dollar 100 205 50 30 25 Free Free ﻣﺠﺎﻧÊ ﻣﺠﺎﻧÊ 50 Free Free 50 ﺳﻌﺮ اﻟﺸﺮاء اﻟﻤﻌﻠﻦ وﻗﺖ اﻟﺪﻓﻊ ﺳﻌﺮ اﻟﺸﺮاء اﻟﻤﻌﻠﻦ وﻗﺖ اﻟﺪﻓﻊ ﻻ ﻳﻮﺟﺪ 75 Current declared buying rate Current declared buying rate N/A 75 100 150 100 100 100 100 100 150 100 100 100 100 75 30 100 ﺳﻌﺮ اﻟﺸﺮاء 150 75 30 100 Buying rate 150 اﻟﺸﺨﺼﻲ4 ﻗﻴﻤﺔ اﻟﺘﻤﻮﻳﻞ 5آﻻف 50 -أﻟﻒ 51أﻟﻒ 100 -أﻟﻒ 101أﻟﻒ 200 -أﻟﻒ أﻛﺜﺮ ﻣﻦ 200أﻟﻒ ارﺑﺎح ﻟﻠﺘﻤﻮﻳﻼت أﻋﻼه ﻣﺘﻨﺎﻗﺼﺔ ﻣﻊ ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ ﺑﺪون ﻣﻊ ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ ﺗﺴﻮﻳﺔ اﻟﺪﻳﻮن 7.25% - 18% 7.25% - 18% 7.25% - 10.49% 7.25% - 10.49% 16% -18% 16% -18% 16% -18% 16% -18% 6.75% - 9.99% 6.75% - 9.99% 6.75% - 9.99% 6.75% - 9.99% Non Salary Transfer 16% -18% 16% -18% 16% -18% 16% -18% Debt Settlement 6.75% - 9.99% 6.75% - 9.99% 6.75% - 9.99% 6.75% - 9.99% ﺗﻤﻮﻳﻞ ﺳﻴﺎرات ﻗﻴﻤﺔ اﻟﺘﻤﻮﻳﻞ 5آﻻف 50 -أﻟﻒ 51أﻟﻒ 100 -أﻟﻒ 101أﻟﻒ 200 -أﻟﻒ أﻛﺜﺮ ﻣﻦ 200أﻟﻒ ارﺑﺎح ﻟﻠﺘﻤﻮﻳﻼت أﻋﻼه ﺛﺎﺑﺘﺔ. ﺑﺪون ﻣﻊ ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ ﻣﻊ ﺗﺤﻮﻳﻞ اﻟﺮاﺗﺐ 2.49% - 3.25% 2.49% - 3.25% 2.49% - 3.25% 2.49% - 3.25% FB_Tariff/_-10_ Jan 2016 رﺳﻮم اﻋﺪاد واﻟﺨﺪﻣﺎت ادارﻳﺔ )ﺳﻮاء ﺗﻢ اﻟﺘﻤﻮﻳﻞ أو ﻻ( ﺗﻤﻮﻳﻞ اﻟﺴﻴﺎرات اﻟﺘﻤﻮﻳﻞ اﻟﺸﺨﺼﻲ ﺳﺤﺐ ﻋﻠﻰ اﻟﻤﻜﺸﻮف ﺗﺄﺟﻴﻞ اﻗﺴﺎط ﺗﺒﺪﻳﻞ/ﺗﻐﻴﻴﺮ ﺷﻴﻚ ﻣﺆﺟﻞ اﻟﺪﻓﻊ رﺳﻮم اﻟﺪﻓﻌﺎت اﻟﻤﺘﺄﺧﺮة رﺳﻮم اﻻﺗﺤﺎد ﻟﻠﻤﻌﻠﻮﻣﺎت اﻻﺋﺘﻤﺎﻧﻴﻪ ﺧﺪﻣﺎت أﺧﺮى اﻟﺤﻤﺎﻳﺔ اﻟﺘﻜﺎﻓﻠﻴﺔ ﻟﻠﺴﺤﻮﺑﺎت اﻟﻨﻘﺪﻳﺔ )اﺧﺘﻴﺎري( ﺑﺮﻧﺎﻣﺞ اﻟﺤﻤﺎﻳﺔ اﻟﺘﻜﺎﻓﻠﻴﺔ ﻟﻠﺘﻌﻠﻴﻢ )اﺧﺘﻴﺎري( ﺑﺮﻧﺎﻣﺞ اﻟﺤﻤﺎﻳﺔ اﻟﺘﻜﺎﻓﻠﻴﺔ ﻟﻠﺒﻄﺎﻗﺔ اﻟﻤﻐﻄﺎة )اﺧﺘﻴﺎري اﺧﺘﻴﺎري ( ﻣﻘﺪار اﻟﻤﺸﺎرﻛﺔ اﻟﺸﻬﺮﻳﺔ إﻏﻼق ﺣﺴﺎب ﺧﻼل 12ﺷﻬﺮ Âﻣﻦ ﺗﺎرﻳﺦ ﻓﺘﺢ اﻟﺤﺴﺎب ﺷﻬﺎدة رﺻﻴﺪ ﻧﺴﺨﺔ إﺿﺎﻓﻴﺔ ﻣﻦ ﻛﺸﻒ اﻟﺤﺴﺎب ﻧﺴﺨﺔ ﻣﻦ وﺛﻴﻘﺔ أو ﺷﻴﻚ ﺷﻬﺎدة ﻣﺪﻳﻮﻧﻴﺔ ﺷﻬﺎدة ﺑﺮاءة ذﻣﺔ ﺷﻬﺎدات أﺧﺮى ﺗﻌﻠﻴﻤﺎت داﺋﻤﺔ ﻃﻠﺐ ﺗﻌﻠﻴﻤﺎت ﻋﻦ ﻛﻞ ﻋﻤﻠﻴﺔ ﺗﺤﻮﻳﻞ آﻟﻲ ﻣﻦ ﺣﺴﺎب إﻟﻰ آﺧﺮ ﺗﺒﺮع ﻟﻠﺠﻤﻌﻴﺎت اﻟﺨﻴﺮﻳﺔ ﺻﻨﺎدﻳﻖ اﻣﺎﻧﺎت) 2ﺳﻢ( ﺻﻐﻴﺮ )(7*25*35 وﺳﻂ )(11*25*35 ﻛﺒﻴﺮ )(19*25*35 ﺿﺨﻢ )(29*25*35 ﺿﺨﻢ ﺟﺪ(50*25*35) Â ﺣﺠﻢ ﺧﺎص )(100*25*35 رﺳﻮم ﺑﺪل ﻓﺎﻗﺪ ﻟﻠﻤﻔﺘﺎح Account Monthly Minimum Balance Current Account Electron Account Saving Account Ghina Salary Account Ghina Savings Account3 Monthly Fall Below Fee if Account balance goes below AED3000 during any month Current Account Electron Account Saving Account Ghina Salary Account Ghina Savings Account Minimum amount required to earn profit on Saving, Ghina and Banoon account )(Profits are declared on the first of January, April, July and October Unrestricted Recurring Investment Deposit Account Minimum opening amount Reissue time deposit receipt Cards & Cheques اﻟﺘﻤﻮﻳﻼت اﻟﺘﻤﻮﻳﻞ Personal Accounts 2.49% - 4.99% 2.49% - 4.99% 2.49% - 4.99% 2.49% - 4.99% % 1ﻣﻦ ﻗﻴﻤﺔ اﻟﺘﻤﻮﻳﻞ ) 500درﻫﻢ ﻛﺤﺪ أدﻧﻰ 1500 ،درﻫﻢ ﻛﺤﺪ أﻗﺼﻰ( % 1ﻣﻦ ﻗﻴﻤﺔ اﻟﺘﻤﻮﻳﻞ ) 500درﻫﻢ ﻛﺤﺪ أدﻧﻰ 2500 ،درﻫﻢ ﻛﺤﺪ أﻗﺼﻰ( 100 ﻣﺠﺎﻧÊ ﻣﺠﺎﻧÊ 100 25 15درﻫﻤ Êﻓﻲ اﻟﺸﻬﺮ )اﺷﺘﺮاك اﻟﺘﻜﺎﻓﻞ( ) 365ﺳﻨﻮﻳ(Ê 0.89ﻓﻠﺴ Êﻟﻜﻞ 100درﻫﻢ ﻣﻦ اﻟﻤﺒﻠﻎ اﻟﻤﺴﺘﺨﺪم 100 50 25 10درﻫﻢ إذا ﻛﺎن ﻋﻤﺮ اﻟﻤﺴﺘﻨﺪ أﻗﻞ ﻋﻦ ﻋﺎم 20 ،درﻫﻢ ﻛﺜﺮ ﻋﻦ ﻋﺎم 100 50 ﻣﺠﺎﻧÊ 50 ﻣﺠﺎﻧÊ ﻣﺠﺎﻧﺎ ﻣﺠﺎﻧﺎ 350 500 800 1000 1500 2000 1000 1000 1ﺳﻮف ﻳﺘﻢ ﺗﺤﻮﻳﻞ اﻟﺮﺳﻮم اﻟﻤﺤﺪدة ﺑﺎﻟﻌﻤﻠﺔ اﻟﻤﺤﻠﻴﺔ وﻓﻘ Êﻟﺴﻌﺮ اﻟﺼﺮف اﻟﺴﺎﺋﺪ ،وﺗﻄﺒﻴﻘﻬﺎ ﻋﻠﻰ اﻟﺤﺴﺎﺑﺎت اﻟﻤﻔﺘﻮﺣﺔ ﺑﺎﻟﻌﻤﻠﺔ اﺟﻨﺒﻴﺔ. 2رﺳﻮم ا¶ﻳﺠﺎر اﻟﺴﻨﻮﻳﺔ ُﺗﺪﻓﻊ ﻣﻘﺪﻣ.Ê 3 • اﻟﺘﻐﻄﻴﺔ اﻟﺘﻜﺎﻓﻠﻴﺔ ﻟﺤﺴﺎﺑﺎت "ﻏﻨﻰ" • ﻣﺒﻠﻎ اﻻﺷﺘﺮاك اﻟﺘﻜﺎﻓﻠﻲ اﻟﺸﻬﺮي = % 0.02083ﻣﻦ ﻣﺒﻠﻎ اﻻﺳﺘﺜﻤﺎر اﻟﺸﻬﺮي • ﻳﺘﻢ اﻗﺘﻄﺎع ﻣﺒﻠﻎ اﻻﺷﺘﺮاك اﻟﺘﻜﺎﻓﻠﻲ اﻟﺸﻬﺮي ﻣﻦ ﻓﺎﺋﺾ اﻟﺮﺑﺢ اﻟﻤﺤﻘﻖ ﺑﻌﺪ ﺗﻮزﻳﻊ ارﺑﺎح .وإذا ﻟﻢ ﻳﻜﻦ ﻫﺬا اﻟﻔﺎﺋﺾ ﻛﺎﻓﻴ ،Êﺳﻴﻘﻮم اﻟﻤﺼﺮف ﺑﺎﻗﺘﻄﺎﻋﻪ أو اﻗﺘﻄﺎع اﻟﻨﻘﺺ ﻣﻦ ﻫﺬا اﻟﻔﺎﺋﺾ ﻓﻲ اﻟﺸﻬﺮ اﻟﺘﺎﻟﻲ /أو اﻟﺸﻬﻮر اﻟﺘﺎﻟﻴﺔ ،أو ﻣﻦ أﻣﻮال اﻟﻤﺴﺎﻫﻤﻴﻦ ﻋﻠﻰ وﺟﻪ اﻟﺘﺒﺮع. 4ﻟﻠﺘﻤﻮﻳﻞ اﻟﺸﺨﺼﻲ – ﻣﻨﺘﺞ ﺗﺪاول و اﻟﺼﻜﻮك ،ﻳﻄﺒﻖ ﻋﻠﻴﻬﺎ ﻋﻤﻮﻟﺔ اﻟﺘﺪاول. اﻟﻤﺤﺪﺛﺔ واﻟﻤﻄ ّﺒﻘﺔ ﻋﻠﻰ ﺑﻄﺎﻗﺘﻚ ﻣﻦ ﻣﺼﺮف أﺑﻮﻇﺒﻲ ا¶ﺳﻼﻣﻲ. اﻟﻤﻤﻮﻟﺔ ذاﺗﻴ ،Êﻳﺮﺟﻰ زﻳﺎرة http://adib.ae/en/cards-noticesﻟﻠﺤﺼﻮل ﻋﻠﻰ ﺷﺮوط اﻟﻤﻨﺘﺞ 5ﻟﻠﺒﻄﺎﻗﺔ ّ ّ 750 6درﻫﻢ ﻟﻤﺘﻌﺎﻣﻠﻴﻦ اﻟﺨﺪﻣﺔ اﻟﻤﺎﺳﻴﺔ Non-Salary Transfer 2.49% - 4.99% 2.49% - 4.99% 2.49% - 4.99% 2.49% - 4.99% )1% of financing amount (minimum AED 500, maximum AED 1500 )1% of financing amount (minimum AED 500, maximum AED 2500 100 Free Free 100 25 )15 dirham monthly (Takaful subscription )365 (per year 0.89 fils per 100 of the utilised cover amount 100 50 25 AED 10 for less than 1 year, AED 20 over 1 year 100 50 Free 50 Free Free Free 350 500 800 1000 1500 2000 1000 )Debit Card (Electron New Replacement )ADIB Etihad Guest Debit Card (Optional Annual Fees/Renewal Classic Gold Visa Infinite Replacement Fee Classic Gold Visa Infinite Using ADIB ATM Withdrawal/deposit Balance inquiry )Mini-statement (last 5 transactions Transfer within accounts )Utility Bill payment (ADDC, AADC, DEWA, SEWA, Etisalat Using UAE SWITCH ATM Withdrawal Inquiry Decline For insufficient funds Using GCC SWITCH ATM Withdrawal Inquiry Using OVERSEAS ATM FOR VISA Electron Withdrawal International Transaction in Foreign Currency Conversion Rate Copy of Sales Slip ADIB Cashback Cards Annual Fees/Renewal ADIB Cashback Visa Card ADIB Cashback Visa Platinum Card Replacement Fee ADIB Cashback Visa Card ADIB Cashback Visa Platinum Card Supplementary Fee ADIB Cashback Visa Card ADIB Cashback Visa Platinum Card ADIB Etihad Guest Cards5 Annual Fees/Renewal ADIB Etihad Guest Classic Card ADIB Etihad Guest Gold Card ADIB Etihad Guest Visa Platinum ADIB Etihad Guest Visa Platinum GBP Card Replacement Fee ADIB Etihad Guest Classic Card ADIB Etihad Guest Gold Card ADIB Etihad Guest Visa Platinum ADIB Etihad Guest Visa Platinum GBP Card Supplementary Fee ADIB Etihad Guest Classic Card ADIB Etihad Guest Gold Card ADIB Etihad Guest Visa Platinum ADIB Etihad Guest Visa Platinum GBP Card ADIB Etisalat Cards Annual Fees/Renewal ADIB Etisalat Classic Card ADIB Etisalat Gold Card ADIB Etisalat Visa Platinum Card Replacement Fee ADIB Etisalat Classic Card ADIB Etisalat Gold Card ADIB Etisalat Visa Platinum Card Supplementary Fee ADIB Etisalat Classic Card ADIB Etisalat Gold Card ADIB Etisalat Visa Platinum Card ADIB Dana Mastercard Annual Fee/Renewal Replacement Fee Supplementary Fee ADIB Football Card Annual Fee/Renewal Replacement Fee Supplementary Fee ADIB Mastercard Titanium Annual Fee/Renewal Replacement Fee Supplementary Fee ADIB Visa Platinum Annual Fee/Renewal Replacement Fee Supplementary Fee ADIB Visa Infinite Annual Fee/Renewal Replacement Fee Supplementary Fee )Profit rate (incase there is a Murabaha With salary transfer Without salary transfer )Without salary transfer (Visa Infinite For Diamond Customer with Visa infinite )With salary transfer (ADIB Etihad Guest Visa Platinum GBP Card )Without salary transfer (ADIB Etihad Guest Visa Platinum GBP Card Cheques )First chequebook (one cheque book of 25 leaf Subsequent chequebook Clearing cheques in UAE Clearing cheques out of UAE Returned cheques Special clearing Stop payment Certified cheque issuance Post dated Cheques Cheque Sent for Collection Cheques payable at centers where CB clearing facility is available Cheques payable at centers where CB clearing facility is not available Remittances Inward Remittance in AED Credited to account with ADIB Paid in cash at ADIB counter Paid to benefeciary account elsewhere in UAE by SWIFT In Foreign Currency Paid in AED to an ADIB customer Credited to account in local currency Credited to account in same currency Remitted elsewhere within UAE in same currency Outward Remittances SWIFT Transfer AGCC countries Other countries Confirmation of payment to benefieiary Payment through UAE central bank SWIFT cancellation/funds recall )SWIFT inquires (overseas Demand Draft Issuance to customer Payment order/Manager’s cheque Courier Service )Cancellation (same day Stop Payment Finances Personal Finance4 Salary Transfer Finance Amount 7.25% - 18% 5K - 50K 7.25% - 18% 51K - 100K 7.25% - 10.49% 101K - 200K 7.25% - 10.49% Above 200K Profit rates are based on reducing rate method. Car Finance Finance Amount Salary Transfer 2.49% - 3.25% 5K - 50K 2.49% - 3.25% 51K - 100K 2.49% - 3.25% 101K - 200K 2.49% - 3.25% Above 200K Profit rates are based on flat rate method. )Processing Fees (non refundable Car Finance Personal Finance Temporary Overdraft Installment Postponement Changing Post dated Cheque Late Payment Charges Al Etihad Credit Bureau Fee Other Services )Cash Cover Takaful Protection (optional )Education Takaful Program (optional )Covered Card Takaful Protection (optional across all ADIB covered cards Monthly contribution Account closing within 12 months from date of opening Account balance certificate Duplicate account statement Document/Cheque copy Liability Certificate Clearance Certificate Other Certificate Standing Instructions Setting up Per transaction )System auto transfer (account to account Charitable donation )Safe Deposit Lockers2(cm )Small (35*25*7 )Medium (35*25*11 )Big (35*25*19 )Large (35*25*29 )Very Large (35*25*50 )Super (35*25*100 Replacement Key 1 For all foreign currency accounts, respective charges specified in local currency will be converted and applied. 2 Annual rental charges payable in advance. 3 • Ghina Takaful Protection Scheme • Monthly Takaful Contribution Amount = 0.02083% of the monthly investment amount • Monthly Takaful Contribution Amount shall be deducted from excess of the deserved profit after profit distribution. If such excess is not enough, the bank may either deduct it or the difference from same excess from subsequent month(s) or from shareholders' funds as a donation. 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.
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