Service Charges

Information on Base Lending / Base Financing Rates (Consumer Financing)

The bank doesn’t have a norm base rate for the sake of transparency it doesn’t apply an internal base rate but relies on market place benchmarks such as EIBOR in the case of AED followed by the frequency.

Please check Central Bank of the UAE Webpage https://www.centralbank.ae/en/services/eibor-prices to find exact rate of EIBOR.

1- FEES ON DEPOSIT ACCOUNTS & MIN BALANCE REQUIREMENT

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Current Account in AED or Foreign Currencies	AED 105 or Equivalent per month if Min balance is below AED 25,000
	Free if over AED 25,000
Call Accounts	AED 250,000 Minimum or Equivalent	No interest will be paid if balance falls below the minimum required
A - Overdrafts will be as per the FSL advised to the customer and subject to change
B - The Bank reserves the right to raise the minimum balance requirement and /or impose a transaction charge on an account if the number of transactions exceed an acceptable level

2- FIXED DEPOSITS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
	AED 100,000 Minimum or Equivalent
Withdrawal before maturity in All Currencies	A 2% penalty will be applied as per the prevailing rate at the time of withdrawal

3- FACILITIES AND LOANS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Set up & Renewal of facilities	New Credit facilities and/or Renewal of facilities are charged at 0.25% of total facilities (with a minimum of 10KAED and a maximum of 50KAED), left at the sole discretion of the Bank, and which will be advised at the time to the sanction of these facilities.
Commitment Fee only on Loans	A fee on unutilized facility will be charged on quarterly basis or as per agreement

4- DOCUMENTS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
External Auditors Confirmation	AED 262.5
Certificate of Balances Held	AED 262.5
No Liability Letter	AED 262.5
Status Report	AED 105
Reference Letter	AED 262.5

5- CHEQUES

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Cheque Book Issuance
First Checkbook	Free up to 25 leaf
Additional	1.05 AED per Leaf (Additional Cheque Book)
This charge is levied when the Bank returns a cheque, Direct Debit or Standing Order
Returned Unpaid Cheques
- Deposited in the account and returned unpaid from clearing	AED 26.25
- Cheques drawn on us and returned unpaid for "Insufficient funds"	AED 210
* Accounts which have more than 4 cheques returned unpaid for Insufficient funds will be closed and account holder name will be reported to the UAE Central Bank for blacklisting

Stop Payment Lost Cheque	AED 105 per item
Copies of Paid Cheques or other document	AED 5.25 Per Page (Minimum AED 26.25)	Up to Six Months
	AED 5.25 Per Page (Minimum AED 157.5)	Over 6 Months
Special Clearing
Manager Cheque	AED 78.75	If presented by our representative
SWIFT	AED 131.25	If presented directly by customer
Drawn on Other Banks	AED 215.25	If presented by our representative
AED Cheques for Clearing	Free
AED Cheques for Collection (PDC)	AED 15.75 per item
AED Cheques Discounted	AED 10.5 per item (Minimum AED 26.25 per schedule)	In addition to interest a 1/8% commission is levied on full amount
Cheques in Foreign Currencies	AED 52.5	Plus Agent's commission if any
Certification of Cheque	AED 52.5 per cheque
Hold Mail Charges	AED 262.5 one time charge

6- CASH Deposits and Withdrawals

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
in AED	Free
In Foreign currencies	1% + 5% (VAT)

7- OTHER ACCOUNT FEES

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Closure of Account	AED 105
Dormant Account	No Fees
Duplicate/Copy of Statement of Account
- Up to one month	AED 26.25
- Up to Six Months	AED 52.5
- Up to 1 Year	AED 105
- Over than 1 Year	AED 315
- Official Statement	AED 262.5

8- OTHER PAYMENT FEES

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Standing Order	AED 105
Standing Order Amendment	AED 52.50
Wages Protection System
Per transfer charges
WPS Funding Account	AED 10.5

9- Personal & Auto Loans

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Interest Rate	As per prior agreement
Arrangement Fees	As per prior agreement
Insurance	As per prior agreement
Penalty rate for repayment prior to maturity	As per prior agreement
Penalty rate in case of default or late payment	2% over the existing loan rate
Instalment deferral fee	AED 105
Loan Rescheduling	AED 262.5
Cancelation Fee	AED 105

10- OD (OVER DRAFT)

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Highest Debit Balance	0.05% per month	As per agreement

11- INWARD TRANSFERS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
(All Inward Transfers are subject to AML clearance)
In UAE Dirhams
- Credit to Customer's account with us	Free
In foreign currency
- Credit to Customer's account with us	AED 78.75
- Paid Cash	1% (Min AED 52.5 or equivalent)
- Transferred to Another Bank	US$ 31.5 or Equivalent

12- OUTWARD TRANSFERS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Same Value date	AED 210	w.e.f. 4th April 2026
Value date after one day	AED 157.5	w.e.f. 4th April 2026
Value date after two days	AED 105	w.e.f. 4th April 2026

ONLINE Charges	AED 52.5

13- BANKER’S CHEQUE

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Managerial Cheques in AED	0.10% of Cheque's amount Min AED 52.5 - Max AED 105
In Foreign Currency	0.10% of Cheque's amount Min AED 52.5 - Max AED 105
Stop Payment Of Cheque	AED 105

14- OUTWARD DOCUMENTARY COLLECTION

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Documentary collection against payment or acceptance or undertaking for payment at maturity date	0.15% , min AED 525, max. AED 4200	Charges are applicable with effect from May 1st 2023.
Free of Payment	AED 525	Charges are applicable with effect from May 1st 2023.

15- INWARD DOCUMENTARY COLLECTION

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Documentary collection against payment or acceptance or undertaking for payment at maturity date	0.15%, min AED 525, max. AED 4200	Charges are applicable with effect from May 1st 2023.
If Documents are not withdrawn After 1 Month of receipt	AED 157.5 Per Month
If Acceptance not settled within 1 Month of Maturity	AED 157.5 Per Month
Free of Payment	AED 525	Charges are applicable with effect from May 1st 2023.

16- IMPORT LETTERS OF CREDIT

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Issuance, extension of the expiry date or increase of the amount	0.25% per quarter on L/C amount, AED 525 per quarter	Charges are applicable with effect from May 1st 2023.
Amendment	AED 525	Charges are applicable with effect from May 1st 2023.
TR Commission	0.125% applicable on TR amount
Taking up of documents / payment	0.25% on documents value, min AED 525 / quarter	Charges are applicable with effect from May 1st 2023.
Acceptance/ Deferred payment commission	0.6% on documents value, min AED 525 per quarter	Charges are applicable with effect from May 1st 2023.
Discrepant Documents	AED 367.5	Charges are applicable with effect from May 1st 2023.
L/C expired Un-utilized / cancelled	AED 367.5	Charges are applicable with effect from May 1st 2023.
Transferable L/C's	AED 525 Flat + Issuance charges
Standby L/C's - Issuance	2.00% p.a. (Min AED 525 per quarter)
Delivery order/shipping guarantee:	0.125% on invoice value Min. AED 525

17- EXPORT LETTERS OF CREDIT

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Pre advising	AED 315	Charges are applicable with effect from May 1st 2023.
Advising directly to beneficiary	0.01% on LC Value , min AED 315	Charges are applicable with effect from May 1st 2023.
Advising through third party (non-Customer)	AED 892.5 flat	Charges are applicable with effect from May 1st 2023.
Confirmation	0.3% per quarter on L/C Value, min AED 525	Charges are applicable with effect from May 1st 2023.
Amendment	AED 315	Charges are applicable with effect from May 1st 2023.
Handling/ Payment/ Negotiation of documents at sight	0.20% on documents value, min AED 525	Charges are applicable with effect from May 1st 2023.
Acceptance / Deferred payment	0.25% on documents value, min AED 525	Charges are applicable with effect from May 1st 2023.
Discounting	Negotiable	Charges are applicable with effect from May 1st 2023.
Courrier Charges :
within UAE	AED 105
other countries	AED 525

Assignment of Proceeds	0.125% Flat min AED 525/-

18- LETTERS OF GUARANTEE

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Issuing Commission, extension of the expiry date or increase of the amount	2.00% p.a. (Min AED 525 per quarter)	Charges are applicable with effect from May 1st 2023.
Forwarding Letter of guarantee without any obligation of the bank (advising commission)	AED 525 flat	Charges are applicable with effect from May 1st 2023.
Amendment (other than increase of value and extend of validity)	AED 525	Charges are applicable with effect from May 1st 2023.

19- SAFE DEPOSIT LOCKERS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Refundable Deposit	AED 1000
Replacement of Lock/Key	At cost

Annual Charges
Small	AED 2000
Medium	AED 2500
Large	AED 3000

20- EBANKING

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Subscription	Free
Token Security Deposit	AED 200
Token Replacement	AED 210

21- CARDS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
BANQUE BANORIENT FRANCE - U.A.E. Marstercard Direct Debit Card
Issuance Premium or Classic	Free	Free
Replacement	AED 26.25
PIN reissue	AED 26.25
Charge back process per case	Free
Copy of Transaction	AED 26.25

1- FEES ON DEPOSIT ACCOUNTS & MIN BALANCE REQUIREMENT

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Current Account in AED or Foreign Currencies	AED 26.25 or Equivalent per month if minimum balance is below AED 3,000.00
	Free if over AED 3,000

2- FIXED DEPOSITS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
	AED 50,000 Minimum or Equivalent
Withdrawal before maturity in All Currencies	A 2% penalty will be applied as per the prevailing rate at the time of withdrawal
	The Penalty will be at the Bank's discretion in line with market rates

3- FACILITIES AND LOANS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Set up & Renewal of facilities	Credit facilities would incur charges, left at the sole discretion of the Bank and which will be advised at the time of sanction of these facilities inline with Consumer Protection Laws and Regulations.
Commitment Fee only on Loans	N/A

4- DOCUMENTS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
No Liability Letter	AED 63 (Personal Acccounts and Car Loans) issued to other banks, Govt dept/ embassies ; AED 89.25 (Home Loans) issued to banks and Govt Dept

5- CHEQUES

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Cheque Book Issuance
First Cheque Book	Free up to 26.25 leaf (one cheque book); 1 AED per Leaf (Additional Cheque Book)
Returned Unpaid Cheques
- Deposited in the account and returned unpaid from clearing	Free
- Cheques drawn on us returned unpaid for "Insufficient funds"	AED 105
* Accounts which have more than 4 cheques returned unpaid for Insufficient funds will be closed and account holder name will be reported to the UAE Central Bank for blacklisting
Stop Payment lost Cheque (per instrument)	AED 52.5
Special Clearing
- Drawn on us	AED 105	Settled by Managerial Cheque
- Drawn on Other Banks	AED 215.25 (PER ITEM)	If presented by our representative
Cheques for Collection within UAE	Free
Cheques for Collection outside UAE	Banks' descretion
Counter Cheques Cash withdrawal	No Fees
AED Cheques for Clearing	Free

6- CASH Deposits and Withdrawals

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
in AED	Free
In Foreign currencies	1%

7- OTHER ACCOUNT FEES

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Account opening fees	No Fees
Relationship fee	No Fees
Non Receipt of salary	No Fees
Closure of Account	AED 105
Dormant Account	No Fees

8- OTHER PAYMENT FEES

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Standing Order	AED 52.5
Bulk cash deposit & Withdrawal at teller counter	No fees

9- Personal & Auto Loans

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Relationship fee	No fees
9.1- Personal Loans
Interest Rate	As per prior agreement
Processing Fees	1% of Loan Amount	Min AED 500 Max AED 2500
Penalty rate for repayment prior to maturity	1%	Max 10,000-Personal Loans
Penalty rate in case of default or late payment	2% of the delayed amount	Max AED 200
Loan Cancellation Fee	AED 105
Final settlement from other sources/ EOSB	1%; Max 10,000
Partial Payment	1%; Max 10,000
9.2- AUTO LOANS
Interest Rate	As per prior agreement
NOC to traffic department	AED 0
Advance payment of installment	1% of installment
Issuance of Liability letter to other banks	AED 63
Processing Fees	1% of Loan Amount	Min AED 500 Max AED 2500
Penalty Rate for repayment prior to maturity	1% of outstanding
Penalty rate in case of default or late payment	2% over agreed rate	Max AED 500
Loan Cancellation Fee	AED 105

10- Home Loans

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Other certificate	AED 78.75
Late Payment fees	Max 735
Early settlement fees	Cost	Max 1% of outstanding balance or AED 10,000,whichever is less
Issuance of liability letter	AED 89.25
Non-standard statement production/ copy of original documentation	AED 105
Property swaps administration fee	Max 1386	valuation included
Issuance of NOC	AED 157.5
Partial Settlement Charges	Cost	Max 1% of outstanding balance or AED 10,000,whichever is less
Clearance Letter	AED 99.75
Request of other letters	AED 94.5

11- INWARD TRANSFERS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
(All Inward Transfers are subject to AML clearance)
In UAE Dirhams
- Credit to Customer's account with us	Free
In foreign currency
- Credit to Customer's account with us	US$ 21 or Equivalent

12- OUTWARD TRANSFERS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
In AED, Local	Free
In Foreign Currencies (Online)	AED 52.5
In Foreign Currencies (Branch)	AED 110.25	for SAR and AUD additional charges will occur
Beneficiaries A/C within Group	AED 110.25

13- BANKER’S CHEQUE

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Managerial Cheques in AED	AED 31.5
In Foreign Currency	AED 31.5
Stop Payment	AED 52.5

14- SAFE DEPOSIT LOCKERS

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Refundable Deposit	AED 1000
Replacement of Lock/Key	At cost

Annual Charges
Small	AED 2000
Medium	AED 2500
Large	AED 3000

15- EBANKING

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
Subscription	Free

16- Cards

DESCRIPTION	CHARGES (5% VAT Included)	ADDITIONAL DESCRIPTION
BANQUE BANORIENT FRANCE - U.A.E. Marstercard Direct Debit Card
Issuance Premuim or Classic	Free
Fees for using other bank ATM	AED 2.1

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