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Service Charges

Service Charges

Corporate Account Personal Account
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 Credit facilities would attract charges 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
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
in AED Free
in US$ An Exchange commission of 0.5% (Min AED26.25) will be charged
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
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
UAE Dirham / Central Bank AED 78.75
In Foreign Currencies (Direct) AED 105 or Equivelant Plus Agent's commission in any
In Foreign Currencies (with cover) AED 131.25 or Equivalent Plus Agent's commission in any
Beneficiaries account with BLOM Group AED 105  
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
At Sight or Acceptance 1/8% flat, Min AED 315 plus postage & SWIFT
Free of Payment ¼% flat, Minimum AED 150 plus postage & Swift
If document are not withdrawn after 1 month of receipt AED 150 per month
If Acceptance not settled within 1 month of receipt AED 150 per month
15- INWARD DOCUMENTARY COLLECTION
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
At Sight or Acceptance 1/8% flat, Min AED 315 plus postage & SWIFT
Safe Keeping 1 month AED 210 and more than 1 month AED 315  
Free of Payment 1/4% flat, Min AED 315 plus postage & SWIFT  
If document are not withdrawn after 1 month of receipt AED 157.5 Per Month  
If Acceptance not settled within 1 month of receipt AED 157.5 Per Month  
16- IMPORT LETTERS OF CREDIT
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
L/C’s up to and including AED 300,000 or equivalent 1/8% per month (minimum 3/8%) or AED 315 which ever is higher
L/C’s over AED 300,000 or equivalent 1/8% per month on AED 300,000 plus 1/16% per month on balance. (minimum charge for a 3 month period)  
Amendment AED 315 per amendment; for extensions & increases, same charges as opening applies
SWIFT charges
Opening AED 367.5
SWIFT Amendment charges AED 105
Postage & Handling charges AED 26.25
Acceptance 3/16% per month (Min AED 315)
Un-utilized L/C AED 367.5 plus corespondant charges
Excess Drawing commission 1/8% on excess (Min AED 315)
Discrepant Documents US$ 105 or Equivalent (to be deducted from the proceeds)  
Back to Back L/C's issuance 3/8% Additional processing fee AED 525  
Revolving L/C Commission 3/8% of L/C value irrespective of amount & validity. Min AED 315 + 1/8% on each negotiation  
Transferable L/C's AED 525 Flat + Issuance charges  
Standby L/C's - Issuance 2% p.a. Min AED 315
17- EXPORT LETTERS OF CREDIT
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
Advising AED 315 or Equivalent/For Non customer AED 700(Minimum)
Amendment advising commission AED 315 or Equivalent
Confirmation (subject to approval by the Bank) 0.25% - quarter Min AED 525
Negotiation / Acceptance commission 3/16% flat (Min AED 315)
Acceptance AED 157.5 Flat
Courrier Charges
- Within UAE AED 105
- Other Countries AED 262.5  
18- LETTERS OF GUARANTEE
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
Issuance 1.50% p.a. (Min 3 months) subject to a minimum of AED 315 up to 1 year validity. 2% p.a. for auto renewable
Extensions/amendment in amount Same as issuance
Shipping Guarantees 1/8% of the invoice value less margin held. Min AED 157.5
Labour Guarantees
- 100% Margin 1% p.a. Flat (Min AED 157.5)
- if less than 100 Margin 2% p.a. Flat (Min AED 157.5)
Postage AED 26.25  
Advising Charges under LG AED 525  
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 735
Medium AED 1050
Big AED 1575
Large AED 2100
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
BLOM BANK SAL, LEBANON Credit Cards
Type    
Platinum Not Available  
Gold Not Available  
Classic Not Available  
Internet Not Available  
BLOM BANK 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  
Call Accounts AED 210 (Revolving Overdraft fees) 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 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 N/A  
Commitment Fee only on Loans N/A  
4- DOCUMENTS
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
External Auditors Confirmation AED 26.25 (Loan copy, issuing redemption statement, audit confirmations)  
Certificate of Balances Held AED 52.5  
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  
Release Letter AED 52.5  
Status Report AED 100  
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  
Copies of Paid Cheques or other document AED 10.5 Up to 1 Year
  AED 21 Over 1 year
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
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
in AED Free  
in US$ Free  
7- OTHER ACCOUNT FEES
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
Closure of Account AED 100  If closed within 1 year of opening
Account opening fees No Fees  
Relationship fee No Fees  
Non Receipt of salary No Fees  
Closure of Account AED 105  
Dormant Account No Fees  
Duplicate/Copy of Statement of Account    
 - Up to One Months    
 - Up to Three Months AED 26.25  
 - Up to Six Months AED 26.25  
 - Up to 1 Year AED 26.25  
- Over than 1 Year AED 26.25  
 - Official Statement AED 26.25  
8- OTHER PAYMENT FEES
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
Utlity Bill payment on counter (ATM/ E-banking is free) AED 10.5  
Standing Order AED 52.5  
Penalty fees for insufficient funds for Standing Order AED 26.25  
Teller services (6 free per month) AED 10.5 per transaction  
 Bulk cash deposit & Withdrawal at teller counter No fees  
9- Personal & Auto Loans
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
9.1- Personal Loans
Interest Rate As per prior agreement  
Processing Fees 1% of Loan Amount Min AED 500 Max AED 2500
Credit Life Insurance As per prior agreement  
Penalty rate for repayment prior to maturity 1%  
Penalty rate in case of default or late payment 2% of delayed amount Min AED 50 Max 200
Loan Top Up 1% of the top up amount Min AED 500 Max AED 2500
Deferment of installment AED 105 (Per Deferment)  
Loan Resheduling Fee AED 262.5  
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
Credit Life Insurance At Bank's discretion  
Change of due date on Standing Instructions AED 26.25  
Penalty Rate for repayment prior to maturity 1% of outstanding  
Penalty rate in case of default or late payment 2% over agreed rate Min AED 50 Max 200
Penalty rate in case of default or late payment 2% of delayed amount Min AED 50 Max 200
Loan Resheduling Fee AED 262.5  
Loan Cancellation Fee AED 105  
Instalment deferral fee AED 105 Per Deferment
10- Home Loans
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
Late Payment fees Max 735  
Early settlement fees Cost Max 3% of outstanding
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 3% of outstanding
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$ 15.75 or Equivalent  
 - Paid Cash AED 78.75  
 - Transferred to Another Bank AED 78.75  
12- OUTWARD TRANSFERS
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
In AED, Local Free  
Online Charge Free  
In Foreign Currencies (Direct) AED 105 Plus Agent's commission in any
In Foreign Currencies (with cover) AED 105 Plus Agent's commission in any
Beneficiaries account with BLOM Group AED 105  
SWIFT Copy Charges AED 15.75  
Issuance/ Cancellation- Demand draft/ Pay order AED 78.75  
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
Subscription AED 735  
Token Security Deposit AED 1050  
Token Replacement AED 1575  
15- EBANKING
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
Subscription Free  
Token Security Deposit AED 200  
Token Replacement AED 210  
16- Cards
DESCRIPTION CHARGES (5% VAT Included) ADDITIONAL DESCRIPTION
BLOM BANK FRANCE - U.A.E. Marstercard Direct Debit Card
Issuance Premuim or Classic Free  
Replacement AED 26.25  
PIN reissue AED 26.25  
Charge back process per case Free  
Copy of Transaction AED 26.25  
Supplementary ATM card issuance AED 26.25  
Fees for using other bank ATM AED 2.1  
Processing fees for foreign currency transaction added to FX rate 2%  

Coutries
  • Paris
  • London
  • UAE
  • Romania
  • Geneva
Financial Statements
BLOM Bank Group
  • Organizational Chart
  • Discover Our History
  • Anti Money Laundering Policy
  • Worldwide Network
  • BLOM Bank SAL
Delivery Channels
  • Internet Banking
  • SMS Alert
  • Mobile Banking
  • Open Banking

Public Company, Capital of € 135.000.000 – RCS Paris B 305 635 609 – 21 Avenue George V, 75008
Paris Telephone: +331 44 95 06 06 – Fax: +331 44 95 06 00

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