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The schedule defines Aspire, Privilege Club, and Excellency criteria for maintaining free monthly fees, while specifying review and transition rules. It also lists account service fees such as cheque charges, statement requests, utility bill payments, standing instructions, and account closure.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/personal-banking-schedule-of-fees-effective-11th-april-2015-until-31st-may-2016/279131/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/personal-banking-schedule-of-fees-effective-11th-april-2015-until-31st-may-2016/279131.png","ImageObject",442,249,{"name":88,"@type":89},"Putri","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-22","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",9,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What are the minimum fixed deposit amounts for the Personal Banking schedule of fees?","Question",{"text":109,"@type":110},"Minimum deposit amounts are AED 5,000 for local currency and USD 1,500 (or equivalent) for other relevant currency.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"Under what conditions are monthly fees free for Aspire customers?",{"text":114,"@type":110},"Fees are free when maintaining the required Total Relationship Balance of AED 10,000 or higher, or a salary transfer of AED 5,000+ per month, or holding other specified ADCB products including a credit card, loan, utilized overdraft, brokerage, bancassurance, or investment product.",{"name":116,"@type":107,"acceptedAnswer":117},"What happens if Privilege Club eligibility criteria are not met?",{"text":118,"@type":110},"No fee is charged for failing to meet eligibility, but Total Relationship Balance is reviewed quarterly and the relationship is moved to Aspire if criteria are not met.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},279131,1790742560,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":15,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":79},962085571259,"https://ap-avatar.wpscdn.com/davatar_29158cc5080c5b710cf443261637dec0","PERSONAL BANKING  \nSCHEDULE OF FEES  \n[adcb.com](adcb.com)  \nSCHEDULE OF FEES  \nEffective 11th April 2015 until 31st May 2016  \n\n|  | Current\u003Cbr>Account | Savings\u003Cbr>Account | Call\u003Cbr>Account |\n| --- | --- | --- | --- |\n| Account Opening Amount |  |  |  |\n| AED | AED 1,000 | AED 1,000 | AED 1,000 |\n| USD | USD 500 | - | USD 500 |\n| Other relevant currency | USD 500\u003Cbr>equivalent | - | USD 500\u003Cbr>equivalent |\n\n\n| Fixed Deposits |  |\n| --- | --- |\n| Minimum deposit amount:\u003Cbr>-In local currency\u003Cbr>-In other currency | AED 5,000 USD 1,500 or equivalent |\n\nPenal interest applicable on premature withdrawal of fixed deposits.  \n\n| Aspire Eligibility Criteria* |  |\n| --- | --- |\n| Fee Per Month | Eligibility Criteria |\n| Free | Maintain a Total Relationship Balance1\u003Cbr>of AED 10,000 OR Salary Transfer2 of AED 5,000 or above per month OR Have any other product with ADCB including a Credit Card, Loan, Utilized Overdraft, Brokerage, Bancassurance or Investment product |\n| * No fee will be charged for not maintaining the eligibility criteria inclusive of cases where monthly average current/savings/call account balance is less than AED 3,000 . |  |\n\n\n| Privilege Club Eligibility Criteria** |  |\n| --- | --- |\n| Fee Per Month | Eligibility Criteria |\n| Free | Maintain a Total Relationship Balance1\u003Cbr>of AED 200,000 OR Maintain a Mortgage value of AED 1,000,000 OR Salary Transfer2 of AED 30,000 per month OR Have either one of the following Bancassurance Products:\u003Cbr>• Lumpsum USD 25,000 or above\u003Cbr>• Protection Plan: Annual Premium of USD 6,000 or above\u003Cbr>• Contractual Savings Plan: Annual Premium of USD\u003Cbr>12,000 or above |\n| ** No fee will be charged for not maintaining the eligibility criteria, however Total Relationship Balance will be reviewed quarterly and relationship will be moved to Aspire if eligibility criteria is not met. |  |\n\nVer . 04/April2015  \n1 Total Relationship Balance includes fixed deposits/investment value, current/savings/call (CASA) monthly average balance.  \n2 Salary transfer means the salary is transferred to any ADCB account by direct credit. Salary Transfer does not include cash or cheque salary transfers.  \n1  \n\n| Excellency Eligibility Criteria*** |  |\n| --- | --- |\n| Fee Per Month | Eligibility Criteria |\n| Free | Maintain a Total Relationship Balance1 of AED 500,000 OR Salary Transfer2 of AED 100,000 per month |\n| *** The above eligibility criteria are indicative only. ADCB is entitled, at its sole discretion, to approve/ decline a customer’s application to Excellency.\u003Cbr>No fee will be charged for not maintaining the eligibility criteria, however Total Relationship Balance will be reviewed quarterly and relationship will be moved to Aspire/Privilege Club if eligibility criteria is not met. |  |\n\n1 Total Relationship Balance includes fixed deposits/ investment value, current/ savings/ call (CASA) monthly average balance.  \n2 Salary transfer means the salary is transferred to any ADCB account by direct credit. Salary Transfer does not include cash or cheque salary transfers.  \n\n| Account Services | Aspire | Privilege\u003Cbr>Club | Excellency |\n| --- | --- | --- | --- |\n| Monthly fees for non maintenance of minimum balance | Free | Free | Free |\n| Chequebooks (25 leaves) | Free | Free | Free |\n| Cheques returned\u003Cbr>(per instrument/ cheque) | AED 100 | AED 100 | AED 100 |\n| UAEDDS Paying Bank Charge:\u003Cbr>• Direct Debit request return due to insufficient funds | AED 100 | AED 100 | AED 100 |\n| Stop payment (per instrument/cheque) | Free | Free | Free |\n| Cheque photocopy:\u003Cbr>• Cheque issued less than 1 year ago\u003Cbr>• Cheque issued more than 1 year ago | Free\u003Cbr>Free | Free\u003Cbr>Free | Free\u003Cbr>Free |\n| Counter cheques-cash withdrawal | Free | Free | Free |\n| Cash deposit/ withdrawal in relevant foreign currency | 0. 50%(flat)\u003Cbr>or minimum\u003Cbr>AED 25 or\u003Cbr>equivalent |  |  |\n|  |  | 0. 50%(flat)\u003Cbr>or minimum\u003Cbr>AED 25 or\u003Cbr>equivalent | 0. 50%(flat)\u003Cbr>or minimum\u003Cbr>AED 25 or\u003Cbr>equivalent |\n| Teller Services: Cash/ Cheq","cbCaimaFZrcjta6O","https://ap.wps.com/l/cbCaimaFZrcjta6O","pdf",1750027,"English","# Personal Banking - Schedule of Fees\n## Effective period and version\n## Account opening and fixed deposit minimums\n## Eligibility criteria for fee waiver (Aspire, Privilege Club, Excellency)\n## Account services and monthly fees for non-maintenance\n## Other banking services","[{\"question\":\"What are the minimum fixed deposit amounts for the Personal Banking schedule of fees?\",\"answer\":\"Minimum deposit amounts are AED 5,000 for local currency and USD 1,500 (or equivalent) for other relevant currency.\"},{\"question\":\"Under what conditions are monthly fees free for Aspire customers?\",\"answer\":\"Fees are free when maintaining the required Total Relationship Balance of AED 10,000 or higher, or a salary transfer of AED 5,000+ per month, or holding other specified ADCB products including a credit card, loan, utilized overdraft, brokerage, bancassurance, or investment product.\"},{\"question\":\"What happens if Privilege Club eligibility criteria are not met?\",\"answer\":\"No fee is charged for failing to meet eligibility, but Total Relationship Balance is reviewed quarterly and the relationship is moved to Aspire if criteria are not met.\"}]","Personal Banking - Schedule of Fees - Effective 11th April 2015 until 31st May 2016 | PDF",1789515745]