Schedule of Fees & Charges

(VAT will be additional as applicable)

Effective January 27, 2023

 Banking Transactions
Current, Call and Savings Accounts
Minimum Monthly Average Balance R
 equirement per
Monthly Fee per Account
Account
AED 3,000 or more Free
AED 25 (No charge for Citigold (CG) and Citigold Private
Less than AED 3,000^
Client (CPC))
Deposits: Deposit/interest rates are subject to change from time to time. In case of early termination of time deposits,
pre-payment penalties are applied based on Terms and Conditions governing Bank accounts with Citibank N.A. and are
available on our website www.citibank.ae. Citibank holds the right to refuse a deposit booking order from anyone at its
sole discretion.
 Banking Transactions
Check Collection Charges Direct Debit Instruction Banking Account

AED 50 (No
charge for CPC)
+ Correspondent Direct Debit Set up/
Outgoing Check Collection (FCY)^ Bank Charges + Cancellation/ Free
AED 60 if couriered Amendment Request
(for FCY c hecks)
(No charge for CPC)

Returned Check - Incoming Clearing / AED 100 (No

Collection Checks^ charge for CPC) Direct Debit Payment Request -
Free
Stop Payment (per instance)
Manager’s Checks / Demand Drafts
AED 30 (No charge
Issuance Fees for Manager’s Checks^
for CPC) Direct Debit payment Request AED 25
AED 75 (No charge Return- Insufficient Funds^ (No charge for CPC)
Issuance Fees for Demand Drafts^
for CPC)
 Banking Transactions
Citibank Account Citigold Account Citigold Private
Citibank ATM / Debit Card Fees
Holder Holder Client (CPC)
Issuance Fee / Annual Membership Fee Free Free Free
Supplementary Card Issuance Fee^ AED 25 Free Free
Replacement Fee^ AED 25 AED 25 Free
PIN Maintenance Fee^ AED 25 AED 25 Free
Citibank ATM Transactions in UAE or Abroad Free Free Free
Non-Citibank ATM Transactions in UAE^ AED 2 per transaction Free Free

Non-Citibank ATM Transactions Abroad (Prevailing 1 Free transaction per

USD 5 per
bank foreign exchange rates will apply on all month, USD 5 per Free
transaction
currency conversions)^ additional transaction

Copy of Sales Slip^ AED 25 AED 25 Free

 Banking Transactions
Citibank Account Citigold Account Citigold Private
Check Book Services
Holder Holder Client (CPC)
First Check Book (10 leaves) Free Free Free
Subsequent Check Books^ AED 25 Free Free
Copies of Checks (less than 1 year)^ AED 10 Free Free
Copies of Checks (over 1 year)^ AED 20 AED 20 Free
Stop Payments (per instrument / Check)^ AED 50 per request Free
Citigold Private
Standing Instructions Citibank and Citigold Account Holder
Client (CPC)
Set-up Charges^ AED 50 Free
Penalty for Insufficient Funds^ AED 25 Free
 Banking Transactions
Citibank Account Citigold Account Citigold Private Client
Statement
Holder Holder (CPC)
Additional Statement Requests (per statement
AED 25 Free Free
cycle)^
Foreign Exchange Related Fees on Purchase / Sale of
Citibank and Citigold Citigold Private Client (CPC)
Currency Notes
Fees on purchase / Sale of currency notes^ 1% of total amount Free
USD cash deposits / withdrawal (ATM & Teller)^ 1% of total amount Free
 Banking Transactions
Funds Transfer Charges to all destinations within and outside UAE (Branch Fee per transfer in USD or equivalent in
other currencies)
Citigold Private
Citibank Account Citigold Account
Transfer Amount Client(CPC)
Holder Holder
Account Holder
USD 1 to 2,499^ USD 20 USD 15 Free
USD 2,500 to 9,999^ USD 25 USD 20 Free
USD 10,000 to 49,999^ USD 40 USD 35 Free
USD 50,000 to 100,000^ USD 75 USD 50 Free
USD 100,000+^ USD 175 USD 150 Free
Correspondent Banks may charge commissions, fees or other charges in relation to the Fund Transfer instruction.
 Banking Transactions
Online Funds Transfer Charges (Citibank Online Internet instruction Fee per transfer)
Funds Transfer (in USD or equivalent in other currencies)
Citibank & Citigold Account Citigold Private Client (CPC)
Transfer Amount Currency ( Inside/Outside UAE)
Holder Account Holder
USD 1 to 2,499^ USD 10 Free
USD 2,500 to 9,999^ USD 15 Free
USD 10,000 to 49,999^ USD 25 Free
USD 50,000+^ USD 50 Free
 Banking Transactions
Foreign
Utility Bill
Local Currency Fund Transfer Charges Currency Faster Payments
Payments
(Incoming)

Incoming Citibank Outgoing

Outgoing
Account Holders charges^
Payment
through
internet/
Online Free Free Free Free
ATM /
Incoming
AED 1^ Citiphone
charges^
Banking

Manual AED 5

No charge for Citigold and Citigold Private Client (CPC)

 Banking Transactions
Wealth Management Products Overdraft Interest Rates (USD)*
Max. upfront charge on subscription/switch up to 5% of the 3-month Secured Facility
Max. Interest rate for
Mutual Funds^ subscription/switch amount. For SIP, fees equivalent to 2% of each
Secured Overdrafts
Base Lending Rate + 6%
monthly investment contribution is applicable (the “Plan fee”). p.a.
Any embedded spread as per the product term sheet or up to 4% total charge. Early redemption charges of up
Structured Notes^ to 2% apply.
Max. upfront charge on subscription/redemption up to 3% of the subscription/redemption amount and broker
Fixed Income Securities^ fees CHF 75 per transaction
For transactions that require a currency conversion, Citibank’s
Foreign Exchange Rates prevailing exchange rate will apply based on customer segment Penalty for Payment before maturity
Early termination charge would apply on
fixed rate margin loans availed against terms
of Master Securities Backed Credit Facility
All product related charges applicable and levied by the (Portfolio Power Agreement) available on
Early www.citibank.ae. The early termination charge
Life Insurance^ insurance company are disclosed at the time of subscribing to termination would be a factor of difference in interest rate
these products. Please refer to offer documents for the same charge fixed at the loan inception until its maturity
and interest rate applicable at the date of loan
pre-closure as ascertained by Citibank. Please
refer to the Key Fact Statement for illustrations
*Accrued monthly charged quarterly
 Banking Transactions
Wealth Management Products Overdraft Interest Rates (USD)*
For mutual funds and fixed income securities upfront
charge of 0.99% on traded amount. For equities, upfront
charge of 0.3% in the gross value of the transaction, *Accrued monthly charged
Online Brokerage^
and any applicable broker fees, ADR / GDR Handling fee, quarterly
exchange fees, stamp duty/ taxes and any other fee /
charges, depending on the market.

Safekeeping charges on Equities, Exchange Traded Funds (ETF) and Fixed Income Securities will be 0.2% p.a. of the value
of assets under custody calculated on the average balance of assets under custody and charged quarterly.^

Exit Charges on any products (if applicable) may be applied by the fund house/product provider/issuer. Please refer to the
Terms and Conditions or prospectus. Assets Under Management (AUM) transfers out of Citi will incur a fee of 0.5% on the
value transferred.^
 Credit Cards
Credit Cards Fees and Interest Charges
Annual Membership Fee Monthly Retail/Cash Annual Percentage Rate
(AMF)^ Interest Rate (fixed rate)* for Retail/Cash (fixed rate)
Emirates - Citibank Credit Cards
Ultima Visa/Ultima MasterCard AED 3,000 3.25% 39%
Ultimate AED 800 3.25% 39%
World/ Titanium/ Gold AED 400 3.25% 39%
Silver** AED 250 3.25% 39%
Citi Prestige AED 1,500 3.25% 39%
Citi Premier AED 750 3.25% 39%
Citi Rewards AED 300 3.25% 39%
Citi Cashback AED 300 3.25% 39%

*This is Annual Percentage rate divided by 12

 Credit Cards
Credit Cards Fees and Interest Charges
Annual Membership Fee Monthly Retail/Cash Annual Percentage Rate
(AMF)^ Interest Rate (fixed rate)* for Retail/Cash (fixed rate)
Citi PremierMiles
Elite** AED 1,500 3.25% 39%
World/ Platinum/ Signature AED 750 3.25% 39%
Titanium AED 400 3.25% 39%
Citi Life
World Elite/ Infinite AED 600 3.25% 39%
Platinum/ Gold AED 300 3.25% 39%
Silver AED 50-150 3.25% 39%
Citi Simplicity - 3.50% 42%
*This is Annual Percentage rate divided by 12
Cash Advance Interest accrues from the date of the Cash Advance until repayment of the Cash Advance and interest thereon.
 Credit Cards
Supplementary Card (AMF)^ – Free and e-card (AMF)^ – Free**

AED 10 / AED 25 per month This will be multiplied by the

Paper Statement Fee/Copy^ number of months, in case of multiple months’ statement
request

As per applicable courier service charges. Charges may vary

Courier Charges^
depending on courier service provider
Loan on Card/Easy Installment Plan Early Settlement Fee^ 1% of remaining balance
AED 50 + Correspondent Bank Charges + AED 60 if
Outgoing Check Collection Fee^ (LCY / FCY)
couriered (FCY Checks)
Manager’s Check Issued for Credit Balances^ AED 25
Returned Check Fee^ AED 100
 Credit Cards
Check Clearance^ Proceeds will be credited to the card account on clearance of the Check
Processing Margin for International and/or Foreign Currency
2.99%
Transactions
3% of cash advance amount or AED 99 whichever is higher
Cash Advance Fee^ (Not applicable for Citi Simplicity)
with a max. charge of AED 250
Loan on Card/Easy Installment Plan Processing Fee^ Up to 4% of the loan amount
Loan on Card (beyond credit limit) Processing Fee^ AED 100
Citi PayAll Processing Fee^ Up to 4% of the transaction amount
Minimum payment due is calculated as 2.74% of Current balance on statement of
account, plus if applicable
(a) current billed late payment fee (b) current billed finance charges (c) monthly
amount(s) of installment(s)
Minimum Payment Due
subscribed under Loan on Card/ Easy Installment Plan etc. (d) over limit amount (e) past
due amount (f) taxes (g) Loan on Card (beyond credit limit) processing fee or AED 100,
whichever is higher with the maximum equals to current balance. If your current balance
is less than 100, then your minimum payment due will be equal to your current balance.
Upon closure of the Credit Card, subject to no bank account(s) or other credit card(s) maintained with Citibank U.A.E., there will
be no refund in case of any excess payment made into the Credit Card Account of an amount less than or equal to AED 50.
 Credit Cards
Inbound Direct Debit Fees, Rates and Charges All Credit Cards

Direct Debit Setup / Cancellation / Late Payment Fee^ (Not

Free AED 230
Amendment Request^ applicable for Citi Simplicity)

AED 249 or the highest over

Direct Debit Stop Payment Over Limit Fee^ (Not applicable limit amount assessed daily
AED 50
Request (per instance)^ for Citi Simplicity) during the statement period,
whichever is lower.
Direct Debit Return Payment
AED 25 Card Replacement Fee^ AED 50
Request due toInsufficient Funds^
Card Conversion Fee^ AED 50
Sales Draft Copy^ AED 65

Metal supplementary card one-

time issuance fee (applicable for AED 1000/card
Ultima MasterCard only):^
 Credit Cards
Charged Benefits
Loan on Card/ Easy Installment Plan Interest
Up to 35.88% p.a. at reducing balance basis*
Rate^
*Applicable tenors will be displayed and agreed upon during the booking process

Credit Shield Plus+** 0.82% of the monthly outstanding balance at billing cycle

Life Style Protect+** 0.79% of the monthly outstanding balance at billing cycle

Lifestyle Protect Classic+ 0.79% of the monthly outstanding balance at billing cycle

Lifestyle Protect Lite+ 0.58% of the monthly outstanding balance at billing cycle
 Loans
Personal Loans
1% of Loan amount with min. AED 500 and up to a max. of
Personal Loans Processing Fees^ (one time charge)
AED 2,500
Personal Loans Annual Percentage Rate (Fixed rate
With Salary Transfer to Without Salary Transfer to
applied on a reducing balance per annum from the date
Citibank Citibank
of loan disbursement)
6.99% to 8.99% 14% to 27%
 Loans
Personal Loans
2% of each recurring
Delayed Payment Penal Interest
delayed amount with min.
Charges / Late Payment Penalty for Payment Before Maturity
AED 50 and up to a max.
Charges^
of AED 200
Early Settlement from Other 1% of remaining balance or
Stop Check / Advance Payment^
AED 50 per request Bank Loans^ (one time AED 10,000, whichever is
(per instrument/Check)
charge) less
Final Settlement from Other 1% of remaining balance or
Loan Re-scheduling Fee^
AED 250 Sources / End of Service AED 10,000, whichever is
(one time charge)
Benefit^ (one time charge) less
Partial Payment from All
1% of remaining balance or
Loan Cancellation Fee^ Sources Including End of
AED 100 AED 10,000, whichever is
(one time charge) Service Benefit^ (one time
less
charge)
 Insurance
For My Child product
PLAN 1 PLAN 2 PLAN 3 PLAN 4
Sum Insured Amounts in AED
Insured Benefits for Insured (Child) AED 50,000 AED 50,000 AED 50,000 AED 50,000
Dismemberment of the Child (including double benefit while
AED 500 AED 500 AED 500 AED 500
at school)
Monthly Catastrophe Cash Benefit in case Permanent Total
AED 1500 AED 1500 AED 1500 AED 1500
Disability of the child for 240 months
Medical Reimbursement Benefit (Benefit amount to be
doubled if artificial limb is required) Deductible - AED100
Insured Benefits for Policy Owner (Parent/Guardian) AED 5000 AED 5000 AED 5000 AED 5000
Education Allowance for 10 years in the event of policy
owner’s accidental death or Permanent Total Disability
Telemedicine & AIG Assist Covered Covered Covered Covered
 Insurance
For My Child product

Waiver of premium benefit in the event of policy owner’s

Covered Covered Covered Covered
accidental death or Permanent Total Disability

Premium Amount in AED inclusive of VAT

Monthly Premium in AED for all of the above benefits offered
AED 27 AED 41 AED 64 AED 109
to Insured and Policy Owner
Annual Premium in AED for all of the above benefits offered
AED 326 AED 487 AED 764 AED 1307
to Insured and Policy Owner
 Insurance
Family Protection Plan
PLAN 1 PLAN 2 PLAN 3 PLAN 4
Benefits for Insured Sum Insured Amounts in AED
AED AED AED AED
Accidental Death Insurance Benefit
100,000 200,000 500,000 1,000,000
AED AED AED AED
Permanent Total Disability Insurance Benefit
100,000 200,000 500,000 1,000,000
AED AED AED AED
Permanent Partial Disability Insurance Benefit
100,000 200,000 500,000 1,000,000
AED
Accidental Medical Reimbursement Benefit AED 20,000 AED 50,000 AED 100,000
10,000
 Insurance
PLAN 1 PLAN 2 PLAN 3 PLAN 4

Monthly Premium Amount in AED inclusive of VAT

Insured Only AED 14.74 AED 28.49 AED 66.22 AED 113.29

Insured + Children AED 32.48 AED 46.23 AED 83.96 AED 123.99

Insured + Spouse AED 27.98 AED 53.98 AED 126.2 AED 214.92

Insured + Spouse + Children AED 45.72 AED 71.72 AED 143.94 AED 225.62
 Others
Letter Charges for all products

Citigold Private Client (CPC)

Legal and Liability Letters issued to Government,

department-embassies and financial institutions – AED 60 Free
Personal Accounts^

Liability letter issued to financial institutions – Personal

AED 60 Free
Accounts^

Liability/ No Liability Letters – Credit Card^ AED 50 Free

Balance Confirmation / Loan Release Letters / Cards

AED 50 Free
Reference Letters / Cards Clearance Letters^

Bank Reference Letter Charges^ AED 50 Free

^VAT applicable over and above these charges. +Inclusive of VAT collected on behalf of the Insurer on the non-life component
of the premium.
**Not available for new to bank customers and new applicants among existing customers.
Any other product refers to Credit Cards, Loans and Insurance. Fees would be deducted at the end of each month. • Citigold
Members require a minimum relationship balance of USD 200,000 or equivalent in any other currency. Citigold Private
Client Members require a minimum relationship balance of USD 1,000,000 or equivalent in any other currency. Replacement
of Priority Pass Cards will be charged at AED 50 • Safe Deposit Box charges ranges^ from AED 1000 to AED 3000 based on
sizes (not current offering) • National Service Recruits are exempt from minimum balance requirement and associated fees
at account level • AED equivalent fees and charges will be determined by the Bank by using its exchange rate. • Pricing may
vary depending on facility/business relationship and subject to credit approvals. • All prices, fees and charges of products and
services detailed in this schedule are subject to change from time to time at sole discretion of Citibank, N.A. by giving prior
notice to the Customer. Such changes apply from the effective date specified by the Bank. • For more information, please
contact our 24-hour CitiPhone Banking Service on +971 4 311 4000.
Investments: Investment products are not bank deposits or obligations or guaranteed by Citibank, N.A., Citigroup Inc. or any
of its affiliates or subsidiaries unless specifically stated. Investment products are not insured by government or governmental
agencies.
Investment and treasury products are subject to Investment risk, including possible loss of principal amount invested. Past
performance is not indicative of future results: prices can go up or down. Investors investing in investments and/or treasury
products denominated in foreign (non-local) currency should be aware of the risk of exchange rate fluctuations that may
cause loss of principal when foreign currency is converted to the investors home currency. Investment and treasury products
are not available to U.S. persons. All applications for investments and treasury products are subject to Terms and Conditions
of the individual investment and treasury products. If Customer changes residence, citizenship, nationality, or place of work,
it is his/her responsibility to understand how his/her investment transactions are affected by such change and comply with
all applicable laws and regulations as and when such becomes applicable. Customer understands that Citibank does not
provide legal and/or tax advice and are not responsible for advising him/her on the laws pertaining to his/her transaction.
Citibank UAE does not provide continuous monitoring of existing customer holdings. Deposits: Deposit/interest rates are
subject to change from time to time. Terms and Conditions governing Bank accounts with Citibank, N.A. apply and are
available at www.citibank.ae and subject to change. Citibank holds the right to refuse a deposit booking order from anyone
at its sole discretion. Loans and Credit Cards: All loans and credit card applications are processed on a best-effort basis and
at the sole discretion of Citibank, N.A. based on a) the parties› agreement to the terms and conditions b) completion of the
internal procedures and approvals of Citibank, N.A. c) completion of documents acceptable to Citibank, N.A.
Citibank Terms and Conditions apply, are subject to change and are available on our website www.citibank.ae. Partner terms
and conditions also apply. All offers are made available on a best-effort basis and all obligations under the products offered are
payable at the sole discretion of Citibank N.A. – UAE Branch, subject to the laws of UAE (including any governmental actions,
orders, decrees, and regulations). Citibank N.A. UAE Branch makes no warranties and assumes no liability or responsibility with
respect to the product and services provided by partner(s) / other entity(ies). Citibank, N.A. - UAE Branch is licensed by the
Central Bank of the UAE as a branch of a foreign bank.

Effective January 27, 2023