Charges for Personal Customers

Description Charges

1. CURRENT ACCOUNTS
Minimum balance required for salary transfer customer None
Minimum balance required for Non-Salaried customers  3,000
In case balance falls below 3,000  25
Closure of Account before 6 months from the opening date  100
1.1 Issuance of Cheque Books
First Cheque Book (25 leaves)  FREE
Second Cheque Book onwards (25 leaves) 25
Second Cheque Book onwards (50 leaves) 50
Delivery of Cheque Book by mail FREE
1.2 Cheque Processing
Postdated Cheques for safekeeping 15 per cheque
Withdrawal of a PDC cheque before Due Date 25 per cheque 
Cheque sent for Special Clearing 205
Cheque sent for Collection locally None
Cheque sent in Collection to remote area None
Cheque sent in Collection to GCC countries 75 + courier charges 
Cheque sent in collection to Banks in other countries 100 per instrument + other Banks charges
Stop Payment of Cheque 50 per Cheque leave 
1.3 Signature Verification on Cheque and Good for Payment Cheque
Signature verification  50 per cheque
Certifying Cheques (good for payment against 100% margin) 100 per cheque
1.4 Returned Cheques
Inward Clearing Returned unpaid due to Insufficient Funds or No Funds 100 per instrument
1.5 Overdrafts
Overdraft of Individual with approval
Revolving Overdraft –Processing Fee 200
Insurance 100
Interest Rate 17% p.a
Renewal fee 100 per year
Temporary Overdraft – Processing fee 100 per transaction
Loan Postponement Fee  100
1.6 Personal Loans 
Loan Processing Fee  1% of Loan Amount or Max 2,500
Loan Top Up Fee 1% of loan Amount or Min 500 Max 2,500
Loan Early Settlement Fee 1% of Loan O/S Amount, Max 10,000
Loan Restructuring Fee  Minimum 250   or 0.50% whichever higher Max. 2500
Delayed Payment Penal Interest Charges 200 Max
Loan Cancellation Fee 100
Issuing Loan Copy, Redemption Statement, Audit Confirmation Etc. 25
1.7 Auto Loans 
Loan Processing Fee 1% of Loan Amount or Min 500 Max 2,500
Early Settlement Fee 1% loan O/s Amount
Advance Payment of Installment  1% of Installment 
Loan Restructuring Fee 250
Release Letter Charges  50
NO Objection Certificate to Traffic Department  NIL
Issuance Lability Certificate to Other Banks 60
Delayed Payment Penal Interest Charges 500 Max
Loan Cancellation Fee 100
1.8 Home Loans
Late Payment Fees  Up to  700 Max
Early Settlement Fees  Max 1% of outstanding balance or 10,000 whichever is less.
Issuance of liability Letter 85
Request of Other Certificates 75
Non-standard Statement Production or copy of Original Documents  100
Property Swap Administration Fees Up to 1,320 including Valuation Fees
Issuance No Objection Certificate  150
Loan Partial Settlement Fees Max 1% of outstanding balance or 10,000 whichever is less
Clearance Letter Issuance Fees 95
Request of any Other Letters 90

2. SAVINGS ACCOUNTS
Minimum balance requirement for Savings 1,000
Balance falling below 1,000 25
Savings account cash withdrawal None

3. FOREIGN CURRENCY ACCOUNTS
Minimum Balance Requirement
US Dollar  US $  1,000
EURO EU €  1,000
British Pound GBP£ 1,000
Balance falling below the minimum  
US Dollar US $  10
EURO EU €  10
British Pound GBP£ 10
Cash withdrawal from Foreign Currency Account 1% of withdrawn amount or minimum charges of 10 
Cash Withdrawal from Doha Bank, Doha Qatar account   25

4. DORMANT ACCOUNTS
Dormant account (after 5 years without any activity) None

5. DEMAND DRAFTS AND MANAGER’S CHEQUES
Issue of Demand Drafts 75
Issue of Manager’s Cheques 75
Issue of Manager’s Cheques for IPO 100
Cancellation of Drafts and Manager’s Cheques 75
Stop Payment of Demand Drafts and Manager’s Cheques (reported lost/stolen) 50 per instrument 

6. ATM CARDS
First Issuance of ATM Card None
Replacement of ATM Card 25
Replacement of the PIN 25
Issuing Supplementary ATM Card 25
UAE Switch withdrawal Fee  NIL
Copy of Sales Slip 25

7. CREDIT CARDS
Doha Bank Customer
Annual Fees – Dream Card 200
Annual Fees – Visa Signature Card First year free 500 from 2nd year onwards 
Supplementary Card (Visa Dream card) Onetime Payment  100
Replacement Card    75
Cash Advance Fee 3.50% of Transaction amount.
Minimum Cash Advance Fee – Dream Card 99
Minimum Cash Advance Fee – Visa Signature Card 99
Late Payment Fee 230
Liability / No Liability Letter Issuance Fee  50
Over limit charges 250
Duplicate Statement for current 3 months   45 per copy
Duplicate Statement for More than 3 months   45 each month
Photocopy of Sales Voucher   65 each item
Interest rate-Dream Card 3.50% p.m.
Visa Signature Card 3.25% p.m.
Reissuance of PIN Mailer None
Limit Increase or decrease temporarily or permanently None
Card blocked due to credit reason None
Cancellation Fees None
Forex Mark up  2.99% inclusive of Scheme charges 
Credit Shield   0.75% (subject to agreement with insurance company)

8. STATEMENTS OF ACCOUNTS
Statement as per normal cycle None
Duplicate copy of Statement of Account up to one year (for every month) 15 each month
Duplicate copy of Statement of Account more than one year old (for every month) 25 each month
Photocopy of cheque already paid (each cheque) 10 Less than 1 yr.
20 Over 1 yr.
Hold Mail (charges taken one time per annum) 100

9. BALANCE CERTIFICATES AND ADVICES
Customer’s Balance Certificate   50 each certificate
Liability Certificate   60
Clearance Certificate (No Liability Certificate)   60
Any other Certificates   50
Any duplicate credit/debit advices   10
Account Balance Certificate    50

10. STANDING INSTRUCTIONS
Setup fee or initial fee 25
Amendment Fee 15
Transfer in the same Branch None
Transfer to other Banks locally 20 + Central Bank charges
Transfer to other Banks globally 80
If sufficient fund is not available in Customer’s account on due date 25 for each instruction
Amendment (including Transaction postponement) 25
Attestation of Signature 50
Internal Transfer between accounts of different Customers only None
Cheque Certification 100
Issuance of Capital Certificate to Dubai Economic Development Department 1,000 (inclusive of magnetic stamp charges)

11. REMITTANCES
11.1 Inward Remittance
Credit to Customer’s account maintained with Doha Bank As per Remitter’s instructions’
Paid by Demand Draft or Manager’s Cheques 75
Paid in Foreign Currency to a Local Bank 50 + applicable TT charges
Local Currency Interbank payment 0.15
Local Currency to another Bank for beneficiary account (by TT) 75 + Central Bank charges
11.2 Outward Remittances
SWIFT and Telex Charges for Transfer   
All GCC countries + India/Pakistan and Philippines 50
Other countries 80
E-Remittance  
For online Users 10
For transactions initiated by the Teller 15
Local Transfer through SWIFT (individual) 25
Online Local Funds Transfer (individual) 1

Note:

Charges shown above are exclusive of VAT and 5% VAT will be charged over and above the listed charges, where applicable, in line with UAE VAT Regulations.

General Information

  1. These Terms and Conditions may be altered at the Bank’s discretion.
  2. The rates quoted herein are minimum charges and are applicable to normal transactions. Items involving extra routine handling attract additional charges.
  3. In addition to the charges quoted above, postage, cable/telex/swift charges or any other out of pocket expenses shall be applicable.
  4. Commission and charges for transactions not detailed herein are subject to special arrangements.
  5. No cheque books are offered to Foreign Currency A/cs.
  6. Interest is paid half yearly on call/savings Accounts, accrued on daily basis.
  7. Interest is paid on fixed Deposit A/cs at maturity, accrued on daily basis.