HBL SOC 2023 - English

Schedule of Charges
2023
Fees and Charges are inclusive of VAT (where applicable) and are subject to change as per the
guidelines of the Central Bank of UAE.
HBL is under Banking license issued by the Central Bank of UAE.
Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003
600 522 228 | www.hbl.com/uae | [email protected]

Copyright © Habib Bank Limited. All Rights Reserved.
1. Personal Banking
Description Fee and Charges

(Inclusive of VAT, where applicable)
1.1 Account Services
Minimum Account Balance Fee

− If monthly minimum balance is AED 2,000 equivalent and above Free
− If monthly minimum balance is less than AED 2,000 AED 52.50 (per month)
Teller Services
− Up to 6 transactions per month
− More than 6 transactions per month Free
(Charges applicable from 7th transaction onwards) AED 10.50 per transaction
Account Closure Fee

− If the account is closed within six months from date of account opening AED 105
− If the account is closed after six months from the date of account opening Free
− Account Closure Certificate Free
Standing Instructions
− Standing Instruction setup fee AED 52.50
− Penalty fee for insufficient funds for standing orders AED 26.25
− Amendment to Standing Instruction Free
− Cancellation of Standing Instruction Free
Other transactions and services related to account

− Account Opening Fee Free
− Dormant account charge Free
− Bulk cash deposit & withdrawal at teller counter Free
− Relationship Fee Free
− Non-receipt of salary Free
− Courier Charges for delivery within UAE AED 52.50
(Applicable on all items, such as, cheque book, statement, letters, advices,
certificates, etc.) As per Recipient Country
− Courier Charges for delivery outside UAE and City & Package Weight
(Applicable on all items, such as, cheque book, statement, letters, advices, Minimum AED 210 or as
certificates, etc.) per package weight
Credit Report inquiry charges for Al Etihad Credit Bureau (AECB) AED 36.75
Issuance of letters and/or certificates

− Account Balance / Maintenance Letter AED 52.50

− No Liability Certificate AED 52.50
− Release Letter AED 52.50
− Liability Letter Issued to Government Departments/Embassies AED 63
− Liability Letter Issued to Financial Institutions AED 63
1.2 Statement of Account
Electronic Account Statement (e-Statement)

− e-Statement for any of the available cycle frequency Free
− Change of e-Statement cycle frequency Free
− Cancellation of e-Statement Free
Printed Account Statement (Current Account, Savings Account, Term Deposit Account,
and/or Fast Transfer)
− On demand Printed Statement for any of the available cycle frequency AED 52.50 per statement
− Change of Printed Statement cycle frequency Free
− Cancellation of Printed Statement Free
1.3 Cheque Book / Cheque / Banker’s Cheque / Manager’s Cheque / Demand Draft / Pay
Order
Cheque Book
− 1st Cheque Book of 10 leaves Free
− Additional cheque book of 25 leaves AED 26.25
− Additional cheque book of more than 25 leaves AED 1.3125 per leaf
Cheque Photocopy
− Cheque clearing date within 1 year AED 21 per instrument
Issuing of a Banker’s Cheque / Manager’s Cheque / Demand Draft / Pay Order AED 78.75 per instrument
Cancellation of a Banker’s Cheque / Manager’s Cheque / Demand Draft / Pay Order AED 78.75
Stop Payment of Cheque / Banker’s Cheque / Manager’s Cheque / Demand Draft / Pay
AED 52.50 per instrument
Order
Cheque returned drawn on the account (Inward Clearing / Cash Withdrawal at Teller) AED 105 per instrument
Cheque payable at centers where Central Bank clearing facility is not available Free
Returned cheque deposited in own account Free
Cheque for collection within the UAE Free
Cheque for collection outside the UAE AED 105 per instrument
Special Clearing Charges AED 210 per instrument
Cheque received for clearing from other HBL Branch Outside UAE AED 105 per instrument
PDC dated cheques handling charges AED 21 per instrument
Withdrawal of PDC (before due date or before presentment) Free

1.4 Debit Card

Issuance of 1st Debit Card – Primary Card Free
Issuance of Debit Card – Supplementary Card AED 26.25
Replacing lost and/or stolen and/or damaged Debit Card AED 26.25
Resetting / Reissuance / Replacing PIN code using Printed PIN Mailer AED 26.25
Resetting / Reissuance / Replacing PIN code using Phone Banking / IVR Free
Up to 2% of transaction
Processing fee for foreign currency transaction added to the foreign exchange rate
amount
Copy of sales slip AED 26.25 per slip
Courier
− Local Courier (Within UAE) Free
− International Courier (Outside UAE) AED 315 per courier
HBL ATMs / CCDMs in UAE
− Cash Withdrawal Free
− Cash Deposit Free
− Balance Enquiry Free
− Mini statement Free
− Funds Transfer As per Section 1.5
− Fast Transfer Remittance As per Section 1.5
Other Banks’ ATMs in UAE (UAE Switch)
− Cash Withdrawal AED 2.10
− Balance Enquiry AED 1.05
− Decline Transaction AED 1.05
Other Banks’ ATMs in GCC (GCC Net)
− Cash Withdrawal AED 6.3
− Balance Enquiry AED 3.15
− Decline Transaction AED 3.15
Usage fee International ATMs (Outside UAE and GCC Countries) – The charges will be as per
host country system or as given below as per Visa International:
− Cash Withdrawal * AED 20
− Balance Enquiry AED 3
− Decline Transaction AED 3
Processing fee for foreign currency transaction added to the foreign exchange * Up to 2%
* This fee is charged in addition to the standard processing fee charged by Visa
International and is applicable to transactions performed in any currency other than UAE
Dirhams.

1.5 Transfers and Remittances

Transfers received to HBL Accounts in UAE Free
AED Currency Transfers to Other Bank Accounts in UAE

(UAE Funds Transfer System - UAEFTS)
− Remitting Bank
AED 5.25 per transaction
− From Branch
AED 1.05 per transaction
− From Online Banking (Mobile App, Phone Banking, ATMs/CCDMs, etc.)
Foreign Currency Transfers to Other Bank Accounts in UAE

AED 126 per transaction
(Telegraphic Transfers / SWIFT Transfers)
Transfers to Bank outside UAE
AED 126 per transaction
Correspondent Bank Charges for Foreign Currency Transfers to Other Bank Accounts in UAE
or to any Bank outside UAE
− For the Charge Codes “SHA” and “BEN” AED 105 per transaction
− For the Charge Codes “OUR” AED 157.50 per transaction
Fast Transfer – Remittance to Pakistan

− At Branch
− If remitting amount is less than USD 100 or equivalent AED 10.50 per transaction
− If remitting amount is more than USD 100 or equivalent Free
− At ATMs/CCDMs, Phone Banking, Internet Banking, and Mobile App
− If remitting amount is less than USD 100 or equivalent AED 10.50 per transaction
− If remitting amount is more than USD 100 or equivalent Free
UAE DDS (Direct Debit System) – Paying Bank

− Confirmation of Direct Debit Authority Request AED 52.50
− Amendment of Direct Debit Authority Request Free
− Cancellation of Direct Debit Authority Request Free
− Stop Payment of Direct Debit Authority Request Free
− Return of Direct Debit Authority Request due to insufficient funds AED 26.25
1.6 Term Deposit

Placement of Term Deposit in AED
Free
Note: Minimum Term Deposit Amount is AED 10,000
Placement of Term Deposit in Foreign Currency

Free
Note: Minimum Term Deposit Amount is USD 5,000 or equivalent for other currencies
No charges, however
Premature Encashment of Term Deposit
prevailing rack rate of

respective TDR currency
will apply
1.7 HBL e-Services

e-Statement Free
e-SWIFT Advice Free
SMS Alerts Free
Mobile Banking App, , Phone Banking, and IVR As per charges stated in
(Fee and Charges for Transfers and Payments, Demand Draft, Cheque Book, Letters, respective sections
Advices, Certificates, Statement, and Fast Transfer Remittance Services apply as defined in
the respective sections)
2. Safe Deposit Lockers
Description Fee and Charges (Inclusive of VAT, where applicable)

Locker Size Small Medium Large
Size in mm (Height x Width x
96x205x586 79x273x586 122x273x586
Depth)
Annual Rental (In Advance) AED 420 AED 525 AED 1050
1
Security Deposit AED 1,000 AED 1,000 AED 1,000
Key Replacement 2 AED 1,050 AED 1,050 AED 1,050
Late Payment Fees 10% of the Rent 10% of the Rent 10% of the Rent
1
Security Deposit is Refundable upon surrendering the locker in original condition without any due and overdue charges.
2
Key Replacement is for every instance a key is lost and/or replaced.

3. Car Loan

1.05% of Loan Amount

Processing Fees
Minimum AED 525
Maximum AED 2,625
1.05% of outstanding loan amount,

Early settlement of loan
up to a maximum of AED 10,500
Advance Payment of Installment 1.05% of Advance Payment
NOC to Traffic Department Free
Replacement of existing Post-Dated Cheque(s) with new Post-Dated Cheque(s) Free
Change of Equal Monthly Installment (EMI) due date AED 105 per request
EMI Deferment Charges AED 105 per EMI
Loan Rescheduling Fee AED 262.50
Minimum AED 262.50

Late Payment Penal Charges
Issuance of Pay Order / Demand Draft / Banker’s Cheque / Manager’s Cheque for
Free
Payment of the Car to the Seller / Car Dealer / Agency
Minimum Account Balance Fee for Car Loan Installment Account Free
Loan Cancellation Fee AED 105

4. Business Banking

4.1 Account Services
Minimum Account Balance Fee
− If monthly average balance is AED 10,000 equivalent and above Free
− If monthly average balance is less than AED 10,000 AED 105 (per month)
- Account Service Charges - Current Account AED 157.50 (bi-annual)

- Account Service Charges – Saving Account AED 78.75 (bi-annual)
Account Closure Fee
− If the account is closed within six months from date of account opening AED 210
− If the account is closed after six months from the date of account opening Free
− Account closure certificate Free
Standing Instructions
− Standing Instruction setup fee AED 105
− Penalty fee for insufficient funds for standing orders AED 210
− Amendment to Standing Instruction AED 78.75
− Cancellation of Standing Instruction AED 52.50
Issuance of letters and/or certificates

− Balance Certificate AED 262.50
− Salary confirmation letter to MOL AED 105 per request
− Issuance of Certificate for Trade License AED 367.50
− No Liability Certificate AED 52.50
− Release Letter AED 52.50
− Liability Letter Issued to Government Departments/Embassies AED 63
− Liability Letter Issued to Financial Institutions AED 63
Clearing and Collections

− Foreign Cheque for Collection (plus courier charges) AED 105 per instrument
− Special Clearing Charges AED 210 per instrument
− Post-Dated Cheque (PDC) handling Charges AED 21 per instrument
− Withdrawal of PDC (Before due date or before presentment) AED 21 per instrument
4.2 Term Deposit
Placement of Term Deposit in AED

Free
Note: Minimum Term Deposit Amount is AED 10,000
Placement of Term Deposit in Foreign Currency

Free
Note: Minimum Term Deposit Amount is USD 5,000 or equivalent for other currencies
No charges, however
prevailing rack rate of
Premature Encashment of Term Deposit respective TDR currency
will apply

4.3 Statement of Account
Electronic Account Statement (e-Statement)

− e-Statement for any of the available cycle frequency Free
− Change of e-Statement cycle frequency Free
− Cancellation of e-Statement Free
Printed Account Statement

− Printed Statement for any of the available cycle frequency AED 52.50 per statement
− Change of Printed Statement cycle frequency Free
− Cancellation of Printed Statement Free
− On-demand Printed Statement at Branch
− Up to 6 months AED 52.50 per statement
− More than 6 months AED 157.50 per statement
4.4 Cheque Book / Cheque / Banker’s Cheque / Manager’s Cheque / Demand Draft / Pay
Order
Cheque Book AED 1.3125 per leaf
AED 105 per instrument /
Photocopy of instrument / cheque
cheque
AED 52.50 per instrument /
Issuing of a Bank Cheque / Manager’s Cheque / Demand Draft / Pay Order
cheque
AED 52.50 per instrument /
Cancellation of a Bank Cheque / Manager’s Cheque / Demand Draft / Pay Order
cheque
AED 157.50 per instrument
Stop Payment
/ cheque
Cheque returned drawn on the account (Inward Clearing / Cash Withdrawal at Counter)
cheque
Cheque payable at centers where Central Bank clearing facility is not available Free
Returned cheque deposited in own account Free
Cheque for collection within the UAE Free

Received cheque for clearing from other HBL Branch outside UAE
cheque
Counter Cheque Cash Withdrawal Free
4.5 Payroll Processing
Salary Processing – Basic Banking Account (BBA) / Wage Protection System (WPS) As per offer / agreement
RFA at the company request As per offer / agreement
DCR at company request As per offer / agreement
WPS account set up charges As per offer / agreement

SIF Charges [per ﬁle] As per offer / agreement
RFR at the company request As per offer / agreement
4.6 Transfers and Remittances

Outward Transfer / Remittance – Local (AED) AED 78.75
Outward Transfer / Remittance – Local (Foreign Currency) AED 105
Outward Transfer / Remittance – International AED 105

Outward Transfer / Remittance related Amendment / Enquiry from Beneficiary Banks /
AED 105
OFAC related queries (other than PKR Remittance)
Customer Request for Recall of Funds AED 52.50
Correspondent Bank Charges for Foreign Currency Transfers to Other Bank Accounts in
UAE or to any Bank outside UAE
− For the Charge Codes “SHA” and “BEN” AED 105 per transaction
− For the Charge Codes “OUR” AED 157.50 per transaction
Transfers to Other Bank Accounts in UAE (UAE Funds Transfer System)

− Remitting Bank
− From Branch AED 78.75
− From Online Banking AED 78.75
UAE DDS (Direct Debit System) – Paying Bank

− Confirmation of Direct Debit Authority Request AED 52.50
− Amendment of Direct Debit Authority Request AED 52.50
− Cancellation of Direct Debit Authority Request AED 52.50
− Stop Payment of Direct Debit Authority Request AED 52.50
− Return of Direct Debit Authority Request due to insufficient funds AED 105
4.7 Others
Trade License Expired (more than two months) AED 262.50 (per month)
Note: The charges will be recovered in subsequent months till submission of a valid Trade License.
Credit report inquiry charges for Al Etihad Credit Bureau (AECB) AED 63

5. Trade Finance

5.1 Import
A commission of 0.1313% of the Credit

value per month (minimum of 0.3939% for
Irrevocable Documentary credit issuance three months or AED 393.90, whichever is
Up to the balances of AED 100,000 or equivalent in other currencies higher). For each additional month or part
thereof commission of 0.1313% per month
of the Credit value is applicable.
A commission of 0.0656% per month

(minimum of 0.1969% covering a validity of
Irrevocable Documentary Credit Issuance for the balances in excess of
three months). For each additional month
AED 100,000 or equivalent in other currencies
or part thereof, Commission of 0.0656%
per month of the Credit value.
Commission on Revolving// Back-to-back /Inland/3rd Country
Same as above
Documentary Credit
Extension of LC period or increase in amount Same as above
Commission on TRs for open A/c or advance payment 0.1969% Flat
Documentary Credit Cancellation without Settlement AED 315
Other Documentary Credit amendments AED 315
Documentary Credit revalidation commission (If the LC is expired and HBL 0.105% per month or Minimum AED
– UAE received the presentation under the same) 393.90
Reimbursement undertaking AED 1050
Issuance of Delivery order in absence of AWB AED 315
Settlement of document in whole or part, in the same currency as the
0.2625% or Minimum USD 105 equivalent
relative document
5.2 Acceptance
Commission on Acceptance per month from date of acceptance till 0.1313% per month or Minimum AED
maturity 393.90
Discrepancy Handling Charges USD 105 or equivalent, per presentation
Our own acceptance discounting commission AED 525 flat
5.3 Inward Documentary Collections
0.1313% flat
Lodgment (DP/DA)
Minimum AED 367.50 (charged upfront)

Lodgment of Avalization AED 525
Extension in maturity of avalized DA bills AED 525
Settlement of document in whole or part, in the same currency as the
relative document
Documents returned unpaid to another Bank USD 105
Transfer of Documents to another Bank 0.1313% flat or Minimum AED 315
Release of documents on free of payment basis 0.1313% flat or Minimum AED 315
Overdue commission on DA documents 0.1313% ﬂat or Minimum AED 315
DA Document acceptance commission AED 105 flat
Accepted DA Bill of Exchange Returned unpaid 0.1313% flat or Minimum AED 315
5.4 Export
Documentary Credit Advising - HBL Customer Documentary AED 262.50
Credit Advising - Non HBL Customer Documentary Credit AED 367.50
Amendment Advising - HBL Customer Documentary Credit AED 210
Amendment Advising - Non HBL Customer Documentary Credit AED 262.50
Confirmation Subject to prior arrangements
Discounting Subject to prior arrangements
Documentary Credit transfer commission 0.525% or Minimum USD 525
Extension of period or increase in amount on transferred Documentary
0.2625% or Minimum USD 315
Credit and Assignment of proceeds)
Discrepancy handling charges USD 115.50 equivalent
Issuance of assignment of proceed AED 1,050 flat
Other amendments (Under Transferred Documentary credit and
AED 315 Flat
Assignment of proceeds)
Settlement of proceeds in whole or part, in the same currency as the
relative document
5.5 Outward Documentary Collections
Commission 0.1313% or Minimum AED 315 upfront
relative document
Outward Documentary collection released on a free of payment basis 0.1313% or Minimum AED 315
Amendment to collection instructions AED 105 flat
Documents Returned Unpaid AED 105 flat
5.6 Structured Trade Finance
Processing Fee As agreed
5.7 Discounting/Purchasing/Negotiation
Commission 0.1313% or Minimum AED 315 upfront

relative document
Interest As agreed
Reimbursement AED 105 per claim
CAD/ LAFB Processing AED 315 Flat
5.8 FBC - Clean
Commission 0.1575% or Minimum USD 21
Cheque returned / unrealized 0.1575% or Minimum USD 21
Courier within UAE AED 52.50
Courier outside UAE AED 131.25
5.9 Letter of Guarantee
A commission of 1.575% p.a. of the
guarantee amount (minimum one quarter
or AED 315 whichever is higher) for each
Guarantee issuance additional month or part thereof
commission of 0.1313% per month of the
guarantee amount is applicable.
Enhancement in amount and validity As above

Other amendments (non-financial) AED 315 flat (apart from swift charges)
0.1313% of invoice value or minimum of
Shipping Guarantee
AED 315
Issuance of Duplicate Guarantee AED 367.50 flat
Re-issuance of LG due to text / Language change AED 367.50 flat
5.10 Local Bill Discounted
Commission 0.1313% or Minimum AED 52.5
Discounting Rate As approved in Credit Proposal
LBD Cheque Return AED 315
5.11 Credit Proposal Processing
Processing Fee - Annual Review As per offer / agreement
Processing Fee - Fresh Proposal As per offer / agreement
Processing Fee - cash secured product program for OD/LG/LC 0.105% or minimum of AED 525
5.12 Communication
Swift for Documentary Credit Charges AED 315 flat
Pre-advice charges AED 315 flat
Other swift charges (follow-up/ reminders/ correspondence) AED 105
Postage AED 105

AED 210 Minimum or as per document
Courier
weight maximum of AED 500/-
Fee deductible from proceeds if remittance to be effected upon receipt of
USD 63
import documents
Telephonic enquiry (overseas call) AED 105
6a. HBL at Work (HaW) – for the Employer CompanyHBL atWork Accounts
Description, Features, and
Classic Gold Platinum
Benefits
Eligibility Monthly Salary between Monthly Salary between Monthly Salary of AED
AED 5,000 to 14,999 AED 15,000 to 24,999 25,000 or more
Note Salary Account will be Salary Account will be Salary Account will be
opened at HBL UAE opened at HBL UAE opened at HBL UAE
One-time setup Fee and Charges As per the agreed Fee As per the agreed Fee As per the agreed Fee and
for each employee / account and Charges with the and Charges with the Charges with the
customer customer customer
Salary Processing Fee and As per the agreed Fee As per the agreed Fee As per the agreed Fee and
Charges for each employee / and Charges with the and Charges with the Charges with the
account customer customer customer
6b. HBL at Work (HaW) – for the Employee and/or the Individual Accountholder
HBL atWork Accounts

Benefits
Eligibility and Salary Transfer Monthly Salary AED Monthly Salary AED Monthly Salary of AED
Requirement 5,000 to 14,999 15,000 to 24,999 25,000 or more
Note Salary Account will be Salary Account will be Salary Account will be
opened at HBL UAE opened at HBL UAE opened at HBL UAE
Account Type Options Current or Savings Current or Savings Current or Savings
Account Account Account
Monthly Fee, if Salary Transfer Fee AED 21 Fee AED 31.50 Fee AED 52.50
Requirement is not fulfilled
Cheque Book Free first cheque book of Free first cheque book of Free first cheque book of
(For Current Account only) 10 leaves 25 leaves 50 leaves.
Subsequently, 2 Free
cheque books of 50 leaves
each Free per year.
Demand Draft “1” Free per month “2” Free per month “5” Free per month
(Any currency)

HBL atWork Accounts
Benefits
Branch Teller Transactions for Free Free Free
Cash/Cheque Withdrawal or
Deposit
SMS Alerts Free Free Free
e-Statement of Account Free, monthly e- Free, monthly e- Free, monthly e-
(Periodic) Statement Statement Statement
Printed Statement of Account To be charged as per To be charged as per To be charged as per
(Periodic) Section 1.2 Section 1.2 Section 1.2
Printed Account statement (At To be charged as per 1 Free per month 2 Free per month
Branch) Section 1.2
Debit Card First Free First Free First Free

Visa Classic Card Visa Gold Card Visa Platinum Card
Debit Card Annual Fee Free Free Free
Debit Card Visa offers and Free Free Free
discounts
Debit Card Visa 3D Secure & Free Free Free
Checkout
HBL Mobile 1 Free Free Free
1
HBL Internet Banking Free Free Free
HBL Phone Banking 1 Free Free Free
1
HBL ATMs in UAE Free Free Free
1
HBL CCDMs in UAE Free Free Free
HBL e-SWIFT Free Free Free
ATM Usage for Cash Withdrawal Free Free Free
& Deposit on HBL ATMs /
CCDMs in UAE
ATM Usage for Cash Withdrawal 1 Free per month 2 Free per month 5 Free per month
on Other Bank ATMs in UAE
ATM Usage for Cash Withdrawal To be charged as per 1 Free per month if 2 Free per month if above
on Bank ATMs outside Section 1.4 above USD 300 USD 300
ATM Usage for Other To be charged as per To be charged as per To be charged as per
Transactions and Services Section 1.4 Section 1.4 Section 1.4
Funds Transfer within HBL UAE Free Free Free

Accounts
Funds Transfer to Other Bank From Branch – 1 Free per From Branch – 3 Free per From Branch – 5 Free per
Accounts in UAE month (To AED month (To AED month (To AED
Beneficiary Only) Beneficiary Only) Beneficiary Only)

HBL atWork Accounts
Benefits
From Mobile App – 1 From Mobile App – 5 From Mobile App – 5 Free
Free per month (To AED Free per month (To AED per month (To AED
Beneficiary Only) Beneficiary Only) Beneficiary Only)
Funds Transfer to Other Bank From Branch – Charges From Branch – 5 Free per From Branch – 10 Free per
Accounts Outside UAE - Below as per section 1.5 month if below USD 100 month if below USD 100
USD 100
From Mobile App – 1 From Mobile App – 5 From Mobile App – 10

Free per month if below Free per month if below Free per month if below
USD 100 USD 100 USD 100
Funds Transfer to Other Bank To be charged as per From Branch – 1 Free per From Branch – 2 Free per
Accounts Outside UAE - Above section 1.5 month if above USD 100 month if above USD 100
USD 100
From Mobile App – 1 From Mobile App – 2 Free

Free per month if above per month if above USD
USD 100 100
Fast Transfer Home Remittance Free – if the remittance Free – if the remittance Free – if the remittance
to Pakistan amount is above USD 100 amount is above USD 100 amount is above USD 100
or equivalent or equivalent or equivalent
To be charged as per To be charged as per To be charged as per

section 1.5 – if below section 1.5 – if below section 1.5 – if below USD
USD 100 or equivalent USD 100 or equivalent 100 or equivalent
Note: The features and benefits of HBL at Work (HaW) Accounts may be revised due to any change in internal
and/or external policies and/or regulatory guidelines. The Employer Company and/or the Employee(s) and/or
the Individual Accountholder may be notified via letter, email, and/or SMS, before the change is in effect. The
fee and charges on transactions and services will apply as per HBL’s Schedule of Charges (SOC) where the number
of instance(s) of any transaction and/or service is more than above listed free number. The fees and charges will
be charged upfront, and after each month end, the fee and charges will be reversed for the free number of
instance(s). All Duties and Taxes where applicable and as imposed by the Government of the UAE and/or the
Central Bank of the UAE will be applied.
1
(Fee and Charges for Transfers and Payments, Demand Draft, Cheque Book, Letters, Advices, Certificates,
Statement, and Fast Transfer Remittance and other Transactions and Services will apply as defined in the
respective sections)

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Schedule of Charges

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

600 522 228 | www.hbl.com/uae | [email protected]

Description Fee and Charges

Minimum Account Balance Fee

Account Closure Fee

Other transactions and services related to account

Issuance of letters and/or certificates

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

Copyright © Habib Bank Limited. All Rights Reserved.

1.2 Statement of Account

Electronic Account Statement (e-Statement)

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

Copyright © Habib Bank Limited. All Rights Reserved.

1.4 Debit Card

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

Copyright © Habib Bank Limited. All Rights Reserved.

1.5 Transfers and Remittances

AED Currency Transfers to Other Bank Accounts in UAE

Foreign Currency Transfers to Other Bank Accounts in UAE

Fast Transfer – Remittance to Pakistan

UAE DDS (Direct Debit System) – Paying Bank

1.6 Term Deposit

Placement of Term Deposit in Foreign Currency

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

Copyright © Habib Bank Limited. All Rights Reserved.

1.7 HBL e-Services

2. Safe Deposit Lockers

Description Fee and Charges (Inclusive of VAT, where applicable)

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

Copyright © Habib Bank Limited. All Rights Reserved.

Description Fee and Charges

1.05% of Loan Amount

1.05% of outstanding loan amount,

Advance Payment of Installment 1.05% of Advance Payment

NOC to Traffic Department Free

Replacement of existing Post-Dated Cheque(s) with new Post-Dated Cheque(s) Free

EMI Deferment Charges AED 105 per EMI

Loan Rescheduling Fee AED 262.50

Minimum AED 262.50

Loan Cancellation Fee AED 105

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

Copyright © Habib Bank Limited. All Rights Reserved.

Description Fee and Charges

- Account Service Charges - Current Account AED 157.50 (bi-annual)

Issuance of letters and/or certificates

Clearing and Collections

4.2 Term Deposit

Placement of Term Deposit in AED

Placement of Term Deposit in Foreign Currency

Habib Bank Limited (HBL), Tax Registration Number (TRN): 100034425700003

Copyright © Habib Bank Limited. All Rights Reserved.

Electronic Account Statement (e-Statement)

Printed Account Statement

Returned cheque deposited in own account Free

Cheque for collection within the UAE Free

RFA at the company request As per offer / agreement

DCR at company request As per offer / agreement

WPS account set up charges As per offer / agreement