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Service Charges

Service Charges

Corporate Account Personal Account
1- FEES ON DEPOSIT ACCOUNTS & MIN BALANCE REQUIREMENT
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Current Account in AED or Foreign Currencies AED 100 or Equivalent per month if Min balance is below AED 25,000
Free if over AED 25,000
Call Accounts AED 50,000 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 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 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 ADDITIONAL DESCRIPTION
External Auditors Confirmation AED 150
Certificate of Balances Held AED 75
No Liability Letter AED 150
Liability Letter issued to Government or Embassies AED 150
Liability Letter issued to Financial Institutions AED 150
Status Report AED 100
5- CHEQUES
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Cheque Book Issuance
First Checkbook Free AED 50 will be levied per cheque book if not collected within 2 Months
Additional
- 10/25 Leaves
- 50 Leaves 		-
AED 10
AED 15
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 25
- Cheques drawn on us and returned unpaid for "Insufficient funds" AED 200
* 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 100 per item
Copies of Paid Cheques or other document AED 25 Up to Six Months
AED 150 Over 6 Months
Special Clearing
- Drawn on us AED 250 If presented by our representative
- Drawn on Other Banks AED 125 If presented directly by customer
confirmation 0.375% per indivisible quarter £75
deferred payment or acceptance 0.375% per indivisible quarter £75
AED Cheques for Clearing Free
AED Cheques for Collection (PDC) AED 15 per item
AED Cheques Discounted AED 10 per item (Minimum AED 25 per schedule) In addition to interest a 1/8% commission is levied on full amount
Cheques in Foreign Currencies AED 50 or equivalent per item Plus Agent's commission if any
Certification of Cheque AED 50 per cheque
Hold Mail Charges AED 50 per Month
6- CASH DEPOSITS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
in AED Free
in US$ An Exchange commission of 1% (Min AED 50) will be charged
7- OTHER ACCOUNT FEES
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Closure of Account AED 400 If closed within 3 months of opening
Dormant Account No Fees
Duplicate/Copy of Statement of Account
- Up to Three Months AED 25
- Up to Six Months AED 50
- Up to 1 Year AED 100
- Over than 1 Year AED 300
8- OTHER PAYMENT FEES
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Standing Order AED 100
Wages Protection System
Per Batch AED 75
Per transfer charges AED 1
9- Personal & Auto Loans
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Interest Rate As per prior agreement
Arrangement Fees As per prior agreement Minimum AED 350
Commission 1% flat
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 default fee AED 150
Instalment deferral fee AED 100 + interests
10- INWARD TRANSFERS
DESCRIPTION CHARGES 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 or Equivalent
- Paid Cash 1% (Min AED 50 or Equivalent)
- Transferred to Another Bank US$ 30 or Equivalent
11- OUTWARD TRANSFERS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
UAE Dirham / Central Bank AED 75
Foreign Currency (1 Message) AED 75 or Equivalent Plus Agent's commission in any
Foreign Currency (2 Messages) AED 125 or Equivalent Plus Agent's commission in any
Beneficiaries account with BLOM Group Special rate will be applied
12- BANKER’S CHEQUE
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Managerial Cheques in AED 0.10% of cheque amount or Min AED 50 – Max 100
0.10% of cheque amount or equivalent Min AED 50 – Max 100
13- OUTWARD DOCUMENTARY COLLECTION
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
At Sight or Acceptance 1/8% flat, Minimum AED 150 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
14- INWARD DOCUMENTARY COLLECTION
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
At Sight or Acceptance 1/8% flat, Minimum AED 150 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- IMPORT LETTERS OF CREDIT
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
L/C’s up to and including AED 300,000 or equivalent 1/8% per month (minimum 3/8%) or AED 250 whichever 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)
SWIFT charges
Opening AED 300
If L/C is over 3 pages AED 50 per page additional page (Min 100)
Amendment AED 100
Postage & Handling charges AED 25
Amendment AED 250 per amendment; for extensions & increases, same commissions as opening applies
Acceptance 3/16% per month (Min AED 300)
Un-utilized L/C AED 350
16- EXPORT LETTERS OF CREDIT
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Advising commission AED 250 or equivalent
Amendment advising commission AED 150
Confirmation (subject to approval by the Bank) On case by case basis
Negotiation / Acceptance commission 3/16% flat (Min AED 300)
Out of Pocket Expenses Min US$ 25 or Equivalent & other charges
Courrier Charges
- Within UAE AED 75
- Other Countries Between AED 200 & 250 Depending on Country Destination
17- LETTERS OF GUARANTEE
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Issuance 1.50% p.a. (Min 3 months) subject to a minimum of AED 150 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 150
Labour Guarantees
- 100% Margin 1% p.a. Flat - Min AED 150
- if less than 100 Margin 2% p.a. Flat - Min AED 150
Postage AED 25
Courier Charges
Within UAE AED 75
Other Countries Depending on Country & on Courier provider – Minimum AED 200
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 un-drawn facility will be charged on quarterly basis, as per agreement
18- SAFE DEPOSIT LOCKERS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Refundable Deposit AED 1000
Replacement of Lock/Key At cost
Annual Charges
Small AED 500
Medium AED 600
Big AED 700
Large AED 900
19- EBANKING
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Subscription Free
Token Security Deposit AED 200
Token Replacement AED 200
20- CARDS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
BLOM BANK SAL, LEBANON Credit Cards
Type Issuance Charge (US$) Suplementary
Platinum 150 250
Gold Free 100
Classic Free 40
Internet Free 20
BLOM BANK FRANCE - U.A.E. Marstercard Direct Debit Card
Issuance Premium or Classic Free Free
Replacement AED 50 AED 50
PIN reissue AED 25 AED 25
Charge back process per case AED 100 AED 100
Copy of Transaction AED 35 AED 35
1- FEES ON DEPOSIT ACCOUNTS & MIN BALANCE REQUIREMENT
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Current Account in AED or Foreign Currencies AED 25 or Equivalent per month if Min balance is below AED 3,000  
  Free if over AED 3,000  
Call Accounts AED 20,000 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 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 ADDITIONAL DESCRIPTION
 Set up & Renewal of facilities N/A  
Commitment Fee only on Loans N/A  
4- DOCUMENTS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
External Auditors Confirmation AED 150  
Certificate of Balances Held AED 50  
No Liability Letter AED 100  
Release Letter AED 50  
Liability Letter issued to Government or Embassies AED 100  
Liability Letter issued to Financial Institutions AED 100  
Status Report
 AED 100  
5- CHEQUES
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Cheque Book Issuance    
First Cheque Book Free AED 50 will be levied per cheque book if not collected within 2 Months

Additional

- 10/25 Leaves

- 50 Leaves

-

AED 10

AED 15

  
Returned Unpaid Cheques    
 - Deposited in the account and returned unpaid from clearing Free  
 - Cheques drawn on us returned unpaid for "Insufficient funds" AED 100  
 * 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 50 per item  
Copies of Paid Cheques or other document AED 10 Up to 1 Year
  AED 20 Over 1 year
Special Clearing    
- Drawn on us AED 75 Settled by Managerial Cheque
  AED 125 Settled by SWIFT Transfer
- Drawn on Other Banks AED 250 If presented by our representative
  AED 125 If presented directly by customer
AED Cheques for Clearing Free  
AED Cheques for Collection (PDC) AED 15 per item  
AED Cheques Discounted AED 10 per item (Minimum AED 25 per schedule) In addition to interest a 1/8% commission is levied on full amount
Cheques in Foreign Currencies AED 50 or equivalent per item Plus Agent's commission if any
Certification of Cheque AED 50 per cheque  
Hold Mail Charges AED 50 per Month  
6- CASH DEPOSITS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
in AED Free  
in US$ An Exchange commission of 1% (Min AED 50) will be charged  
7- OTHER ACCOUNT FEES
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Closure of Account AED 100  If closed within 1 year of opening
Dormant Account No Fees  
Duplicate/Copy of Statement of Account    
 - Up to Three Months Free  
 - Up to Six Months AED 50  
 - Up to 1 Year AED 100  
 - Over than 1 Year AED 300  
8- OTHER PAYMENT FEES
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Standing Order AED 50  
Wages Protection System    
 - Per Batch N/A  
 - Per transfer charges N/A 1  
9- Personal & Auto Loans
DESCRIPTION CHARGES 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 At Bank's discretion  
Penalty rate for repayment prior to maturity AED 100 Flat  
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 100 per deferment + interests
Loan Resheduling Fee AED 250  
Revolving Overdraft Fees AED 200  
Loan Cancellation Fee AED 100  
9.2- AUTO LOANS
Interest Rate As per prior agreement  
Processing Fees 1% of Loan Amount Min AED 500 Max AED 2500
Credit Life Insurance At Bank's discretion  
Early sefftlement of Car Loans AED 100 Flat  
NOC to Trafic Department    
Payment of Installment in Advance Free  
Penalty rate in case of default or late payment 2% of delayed amount Min AED 50 Max 200
Loan Resheduling Fee AED 250  
Revolving Overdraft Fees AED 200  
Loan Cancellation Fee AED 100  
10- INWARD TRANSFERS
DESCRIPTION CHARGES 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 or Equivalent  
 - Paid Cash 1% (Min AED 50 or Equivalent)  
 - Transferred to Another Bank US$ 30 or Equivalent  
     
11- OUTWARD TRANSFERS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
UAE Dirham / Central Bank AED 75  
Foreign Currency (1 Message) AED 75 or Equivalent Plus Agent's commission in any
Foreign Currency (2 Messages) AED 125 or Equivalent Plus Agent's commission in any
Beneficiaries account with BLOM Group Special rate will be applied  
12- BANKER’S CHEQUE
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Managerial Cheques in AED AED 30  
Cheques in US$, STG, EUR, Etc… Equivalent of AED 30  
13- OUTWARD DOCUMENTARY COLLECTION
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
At Sight or Term 1/8% flat, Minimum AED 200 plus postage & Swift  
Free of Payment ¼% flat, Minimum AED 200 plus postage & Swift  
14- INWARD DOCUMENTARY COLLECTION
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
At Sight or Acceptance 1/8% flat, Minimum AED 150 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- IMPORT LETTERS OF CREDIT
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
L/C’s up to and including AED 300,000 or equivalent 1/8% per month (minimum 3/8%) or AED 250 whichever 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)  
     
SWIFT charges
Opening AED 300  
If L/C is over 3 pages AED 50 per page additional page (Min 100)  
Amendment AED 100  
Postage & Handling charges AED 25  
Amendment AED 250 per amendment; for extensions & increases, same commissions as opening applies  
Acceptance 3/16% per month (Min AED 300)  
Un-utilized L/C AED 350  
Excess Drawing commission 1/8% on excess (minimum AED 250)  
Discrepant Documents US$ 75 or Equivalent (to be deducted from the proceeds)  
Back to Back L/C’s issuance 3/8% Additional processing fee AED 500  
     
 
Revolving L/C Commission 3/8% of L/C value irrespective of amount and validity. Min AED 250 plus 1/8% on each negotiation  
Transferable L/C's AED 500 flat + Issuance charges  
Standby L/C's - Issuance 2% p.a. Min AED 250  
     
16- EXPORT LETTERS OF CREDIT
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Advising commission AED 250 or equivalent  
Amendment advising commission AED 150  
Confirmation (subject to approval by the Bank) On case by case basis  
Negotiation / Acceptance commission 3/16% flat (Min AED 300)  
Out of Pocket Expenses Min US$ 25 or Equivalent & other charges  
Courrier Charges    
- Within UAE AED 75  
- Other Countries Between AED 200 & 250 Depending on Country Destination
     
17- LETTERS OF GUARANTEE
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Issuance 1.50% p.a. (Min 3 months) subject to a minimum of AED 150 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 150  
Labour Guarantees    
- 100% Margin 1% p.a. Flat - Min AED 150  
- if less than 100 Margin 2% p.a. Flat - Min AED 150  
Postage AED 25  
     
Courier Charges
Within UAE AED 75  
Other Countries Depending on Country & on Courier provider – Minimum AED 200  
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 un-drawn facility will be charged on quarterly basis, as per agreement  
18- SAFE DEPOSIT LOCKERS
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Refundable Deposit AED 1000  
Replacement of Lock/Key At cost  
     
Annual Charges
Small AED 500  
Medium AED 600  
Big AED 700  
Large AED 900  
19- EBANKING
20- Cards
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
Subscription Free  
Token Security Deposit AED 200  
Token Replacement AED 200  
DESCRIPTION CHARGES ADDITIONAL DESCRIPTION
BLOM BANK SAL, LEBANON Credit Cards
Type Issuance Charge (US$) Suplementary
Platinum 150 250
Gold Free 100
Classic Free 40
Internet Free 20 
     
BLOM BANK FRANCE - U.A.E. Marstercard Direct Debit Card
Issuance Premuim or Classic Free Free
Replacement AED 50 AED 50
PIN reissue AED 25 AED 25
Charge back process per case AED 100 AED 100
Copy of Transaction AED 35 AED 35
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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 (Coming Soon)

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Paris Telephone: +331 44 95 06 06 – Fax: +331 44 95 06 00

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