RBS - Schedule of Charges

Personal Loans

Processing fee (for fresh loans & top-ups only. No fee for buy-outs)	1.5% of the loan amount (minimun AED 500 if loan amount is less than or equal to AED 25,000) (minimun AED 750 if loan amount is greater than AED 25,000)
Top-up fee	1% of the outstanding loan amount (minimum AED 250)
Insurance fee	0.75% of the loan amount
Pre-payment fee / partial closer	5% of the outstanding loan amount if paid by the customer in cash / 6% of the outstanding loan amount if paid by another bank
Installment deferment	AED 100
Late Payment Penalty	AED 100

Personal LoanPlus

Processing fee	1.5% of the loan amount (minimum AED 599 if loan amount is less than or equal to AED 25,000)(minimum AED 999 if loan amount is greater than AED 25,000)
Insurance Charges	0.75% of the loan amount
Prepayment fee / Partial closer	3% of the outstanding loan amount
Late Payment Penalty	AED 100
Replacement of post dated cheques or change of recovery account	AED 100
Settlement Account Maintenance Fee	AED 25 per month

SalaryPlus (Overdraft)

Annual Fee	AED 100
Late Payment Penalty	AED 50

Account Services

CurrentPlus
Minimum monthly average balance	AED 15,000
Fee if minimum balance not maintained	AED 100 per month
SavingsPlus
Minimum monthly average balance	AED 15,000
Fee if minimum balance not maintained	AED 100 per month
LifestylePlus
Minimum monthly average balance	AED 25,000
Fee if minimum balance not maintained	AED 250 per month
Cheque transaction charges (5th cheque onwards)	AED 50
Teller access charge per transaction	AED 50 (If the withdrawal amount is less than the daily ATM limit which is AED 20,000)
PrimePlus
Minimum monthly average balance	AED 25,000
Fee if minimum balance not maintained	AED 100 per month
Cheque transaction charges (5th cheque onwards)	AED 50
PerksPlus
Teller access charge per transaction	AED 50 (If the withdrawal amount is less than the daily ATM limit which is AED 10,000)
i-Earn
Minimum monthly average balance	Nil
Cash withdrawal charges per transaction through Teller	AED 250
Cash deposit charges per transaction through Teller	AED 250 (if the deposit amount is less than AED 50,000)
*DepositPlus / Term Deposit***
Minimum balance required	AED 25,000
Deposit breakage charges	Applicable interest rate (as per the nearest tenor for which the deposit is held) minus 2% penalty rate.
Call Account
Minimum monthly average balance	AED 50,000
Fee if minimum balance not maintained	AED 100 per month
Other Account Charges
Closure of account (within 6 months of opening)	AED 250
Instant cheque book issuance charges	AED 2 per leaf

Cash Deposits & Withdrawals

Foreign Currency Cash Deposits
USD deposits		2% (minimum AED 100)
Other currencies		3% (minimum AED 100)
Foreign Currency Cash Withdrawal
USD deposits		2% (minimum AED 100)
Other currencies		3% (minimum AED 100)
ATM	UAE	UAE	GCC
(Per transaction)	(RBS ATMs)	(Non RBS ATMs)	(Outside UAE)
Cash widthdrawal	No charges	AED 2	AED 6
Balance enquiry	No charges	AED 1	AED 3
ATM card replacement fee			AED 100
Instant ATM card replacement fee			AED 200
Withdrawal at ATMs outside GCC			2% of the transaction amount (minimum AED 20)

Cheques and Drafts

Cheques book issuance charges	AED 1 per leaf
Local cheque clearing	Nil
Local cheque clearing drawn on bank outside clearing house	AED 100
Foreign currency cheque collection	0.0625% + postage (minimum USD 25)
Foreign currency cheque collection payable in other countries	0.0625% + postage (minimum USD 25)
Postage charges	USD 10
Returned cheque - outward clearing	AED 50
Returned cheque - inward clearing / cash cheque	AED 200
Purchase of local / foreign cheque	0.125% (minimum AED 100)
Special clearing within the Emirate Inward Outward	AED 200 AED 100
Special clearing in other Emirates Inward Outward	AED 300 AED 200
Post dated cheque deposit	AED 50
Stop payment of cheque	AED 150
Stop payment of cheque book	AED 750
Issuance of demand draft	AED 100
Demand draft cancellation	AED 100
Stop payment of demand draft	AED 200 (+ correspondent bank charges)
Collection of traveller’s cheques	0.0625% + postage (minimum USD 25)
Issuance of pay order / cashier order	AED 50
Cancellation of pay order	AED 50

Remittance and Standing Instructions

Outward wire transfer
Local	AED 75
International	AED 100
Incoming Remittances
Remittances in AED	Nil
Remittances in foreign currencies	USD 50
Standing Instructions
One time set-up cost per standing instruction	AED 500
Fee for execution of each instruction Local International	AED 100 AED 150
Amendment of standing instruction	AED 250
Penalty for not having sufficient funds to meet standing instruction	AED 250
Account-to-account transfer (via standing instruction)	AED 50

Other Bank Charges

Reprint of Account Statements / duplicate statements
Up to 6 months old**	AED 50 per month
Over 6 months old	AED 100 per month
Copy of record not available online	AED 750
Duplicate Documents
Up to 6 months old	AED 250 per month
Over 6 months old	AED 500 per month
Miscellaneous
Balance confirmation letter	AED 250
Introduction letter	AED 150
Clearance letter	AED 200
No liability letter	AED 200
Liability letter	AED 500
Signature verification - other banks	AED 50
Restricting the Debit Card to ATM only	AED 100
e-Banking
Security token replacement fee	AED 200

Notes

• Unarranged overdraft (account in excess due to any transaction) - minimum interest of AED 100 per month will be applicable.

• Cash vouchers and self cheque withdrawals AED 10 per transaction, AED 20 per transaction if less than daily ATM limit.

• *No interest will be paid, if the applicable interest rate is less than the 2% penalty rate.

• **Customers enrolled for e-Statement will get 1 free statement up to 6 months in a calendar year.

• Charges may apply on some outward wire transfers by Correspondent Bank and will be applied accordingly.

Terms & conditions apply - The charges mentioned above are subject to change at the sole discretion of The Royal Bank Of Scotland.