July 2023

Schedule of Fees
and Charges

Branch Banking and Wealth Management

Segment / Relationship Tier

Personal Account Personal Banking Wessam Gold Wessam Platinum Private Banking
Minimum Account Balance Requirement (Monthly) 1
AED 3,000 AED 3,000 AED 3,000 AED 3,000
Account Maintenance Fee upon breach of Minimum
AED 25 AED 10 Nil Nil
Average Balance (Monthly)
Account Closure fee (if closed within 6 months
AED 100 AED 100 AED 100 AED 100
of Account Opening)
Standing Instruction Set up (per instruction) AED 50 AED 25 Nil Nil
AED 25 AED 25 AED 25 AED 25
Account balance / Reference letter AED 50 AED 25 Nil Nil
AED 60 AED 60 Nil Nil
Release / Clearance Letter AED 50 AED 50 Nil Nil
Statement of account (within cycle) Nil Nil Nil Nil
Statement of account per cycle (outside cycle) AED 25 AED 10 Nil Nil
Foreign Currency Deposit (Same Currency 1% of amount 0.75% of amount 0.50% of amount 0.50% of amount
as Account or Other)
Foreign Currency Withdrawal (Same Currency 1% of amount 0.75% of amount 0.50% of amount 0.50% of amount
as Account or Other)
Time Deposit (Pre-mature withdrawal) Rate of Actual tenor, less 1%

Interest on Debit Balance 19% p.a

Debit Card Personal Banking Wessam Gold Wessam Platinum Private Banking
Issuing Debit card Nil Nil Nil Nil
Re-issuance of Debit Card PIN AED 25 Nil Nil Nil
Debit Card Annual Fee Nil Nil Nil Nil
Debit Card Replacement Fee AED 25 AED 25 AED 25 AED 25
International Debit Card Delivery AED 150 AED 150 AED 150 AED 150
ATM withdrawal - SNB UAE ATMs Nil Nil Nil Nil
ATM withdrawal - Non-SNB UAE ATMs (UAE Switch) Nil Nil Nil Nil
ATM withdrawal - Gulf Co-operation Countries (GCC Net) AED 6 AED 6 AED 6 AED 6
ATM Transactions - International , 2
AED 20 AED 20 AED 20 AED 20
i.e - outside UAE & GCC
Foreign Currency Processing Fee3 2% + Card Scheme fx fee
Copy of Sales Slip (Debit Cards retail transaction) AED 25 AED 10 Nil Nil

Cheques Personal Banking Wessam Gold Wessam Platinum Private Banking

First Chequebook (10 leaves) Nil Nil Nil Nil
Additional Chequebook (10 leaves) AED 10 AED 5 Nil Nil
Additional Chequebook (25 leaves) AED 25 AED 15 Nil Nil
Additional Chequebook - Company Account (50 leaves) AED 50 AED 25 Nil Nil
Cheque returned - issued on your account (per cheque) AED 100 AED 100 AED 100 AED 100
Cheques for collection within the UAE Nil Nil Nil Nil
Cheques for collection outside UAE AED 250 AED 250 AED 250 AED 250
Stop Payment (per instrument / cheque) AED 50 AED 25 Nil Nil
Copies of Cheques (less than 1 year) AED 10 AED 5 Nil Nil
Copies of Cheques (over 1 year) AED 20 AED 10 Nil Nil
 July 2023

Branch Banking and Wealth Management

Managers cheque / Demand Drafts Personal Banking Wessam Gold Wessam Platinum Private Banking
Issuance / Cancellation of Managers Cheque AED 75 AED 75 AED 75 AED 75
Issuance / Cancellation of Demand Drafts AED 75 AED 75 AED 75 AED 75

Fund / Wire Transfers4 Personal Banking Wessam Gold Wessam Platinum Private Banking
Inward Remittance in AED Nil Nil Nil Nil
Inward Remittance in non-AED Nil Nil Nil Nil
Outward Remittance in AED within UAE (Branch) AED 5 AED 5 Nil Nil
Outward Remittance in AED within UAE (Online) AED 1 AED 1 Nil Nil
Outward Remittances (Outside UAE in
AED 5 AED 5 AED 5 AED 5
AED currency) - via Branch/Online 7
Outward Remittances (in Foreign currency within
AED 100 AED 75 AED 75 Nil
or outside UAE) - via Branch/Online
Recall or Amendment of TT Funds / TT Return
AED 100 AED 75 AED 75 Nil
/ Investigation of TT Status (per request)
SWIFT copy charges AED 15 Nil Nil Nil

Wealth Management Transactions5

Mutual Funds Upto 5% of subscription amount
Fixed Income Securities Upto 5% of subscription amount
AUM (Assets under Management) Transfers
Upto 2% of subscription amount
out of SNB UAE
Exit/Surrender/Redemption Charges Applied by the fund house/issuer where applicable. Refer to product terms & conditions
Overdraft/Leverage on Investments 3 month LIBOR + 2% p.a
Overdraft against Deposits Deposit Rate + 2%
For transactions requiring a currency conversion, SNB UAE's prevailing exchange rate will apply based on
Foreign Exchange Rates
Customer Segment

Company Accounts (Non-Individual Accounts) Personal Banking Wessam Gold Wessam Platinum Private Banking

Relationship Average Balance Requirement (Monthly)6 AED 350,000

Service Fee upon breach of Relationship Average
AED 250
Balance (Monthly) - Non-Individual Account

The Saudi National Bank UAE (SNB UAE) Terms and Conditions apply. Reserves the right to revise its pricing at any time with a 60 day notice to its customers.
All fees and charges listed are exclusive of 5% Value Added Tax (VAT), where applicable.
1
If account in non-AED currency, then equivalent monthly average balance to be maintained in the respective currency.
2
Prevailing bank foreign exchange rates will apply for all currency conversions.
3
Foreign currency purchases that are not in your account currency are converted into your account currency by the respective Debit Card scheme or using their applicable exchange rates on the day the conversion is

exchange rate shall apply.

4
Correspondent Banks may charge commissions, fees, charges in relation to remittance instructions.
5

your account, any unpaid fees will be deducted from deposits paid into your account until the fees are paid in full. No separate communication will be sent to you with regards to these fees. For any information
relating to the fees for your account, please call 800 55000. If account is in non-AED currency, then equivalent monthly average balance to be maintained in the respective currency.
7 For AED transfers outside UAE, a fee of AED 100 is applicable towards correspondent bank charges and will be paid to UAE Central Bank if “OUR” option is selected. This charge is waived where “SHA” Option is

selected; correspondent / beneficiary bank charges, if any, shall be applicable.

Deposits: Deposit and Account Interest rates are subject to change from time to time in line with market prevailing rates.For the latest information, please call 800 55000.
 July 2023

Personal Finance

Personal Finance

Segment APR (Reducing Balance)

Personal Installment Loan (PIL) 9 to 26% per annum
Salary Transfer Loan (STL) 9 to 26% per annum

Early settlement
Early settlement from same bank loans^ 1% of remaining balance, max of AED 10,000
Early settlement from other bank loans^ 1% of the outstanding balance of the loan, max of AED 10,000
1% of remaining balance, max of AED 10,000
Loan top-up^ 1% of the top-up amount (Minimum AED 500 maximum AED 2,500)
Processing fee^ 1% of the loan amount (Minimum AED 500 maximum AED 2,500)
Delayed payment penalty charges^ AED 200
Credit Life Insurance^ Free cover
Loan rescheduling fee^ AED 250
Loan cancellation fee^ AED 100
Liability Letter Fee^ AED 60

Clearance Letter Fee^ AED 50

Al-Khair Personal Finance

Segment Tawaruq Mark-up

Personal Installment Finance (PIF) 9 to 26% per annum
Salary Transfer Finance (STF) 9 to 26% per annum

Early settlement
1% of remaining balance, max of AED 10,000
1% of the outstanding balance of the loan, max of AED 10,000
1% of remaining balance, max of AED 10,000
Finance top-up^ 1% of the top-up amount (Minimum AED 500 maximum AED 2,500)
Processing fee^ 1% of the loan amount (Minimum AED 500 maximum AED 2,500)
Delayed payment penalty charges^ AED 200
Takaful charges^ Up to 1.5% of the loan amount
Finance Re-Scheduling Fee^ AED 250
Finance Cancellation Fee^ AED 100
Liability Letter Fee^ AED 60

Clearance Letter Fee^ AED 50

SNB UAE Terms and Conditions Apply

^ 5% VAT (Value Added Tax) is applicable over and above these charges
 July 2023

Trade Finance Operations

Product Name Margin Commission Min. Commission

Import Letters of credit
L/C Issuance As per agreement 0.00125 / Month (Minimum 3 Months) AED 350
L/C Amendment (Increase + Extension) As per agreement As per Issuance AED 350
L/C Amendment (Non-Financial) N/A AED 150
Acceptance N/A 0.00125 / Month (Beyond L/C Validity) AED 250
Export Letters of credit
Pre Advice N/A AED 100 (Flat) Fixed
AED 250 - Customers,
Advising charges N/A Fixed
AED 300 - Non Customers
Advise Through N/A AED 400 (Flat) Fixed
Advice of Amendment N/A AED 200 (Flat) Fixed
Advice Through - Amendment N/A AED 350 (Flat) Fixed
Acceptance N/A 0.00125 Min. AED 75, Max AED 150
Negotiation N/A 0.00125 AED 250
Assignment of Proceeds N/A AED 300 (Flat) Fixed
L/C Transfer N/A 0.00125 AED 500
Letters of Guarantees
L/G Issuance As per agreement 1.5% per annum AED 250
Amendment (Increase / Extension) As per agreement As per issuance AED 200
Amendment (Non-Financial) N/A AED 200 (Flat) Fixed
Shipping Guarantees 100% (for sight import L/Cs/BCs) AED 200 (Flat) Fixed
Labour Guarantees 1.5% p.a. AED 250
Settlement of Guarantee Claims AED 250 (Flat)
Import Bills for Collection
Advising Commission N/A 0.00125 AED 250
Avalization 100% 0.00125 AED 250
Acceptance Commission N/A 0.00125 AED 250
Free of Payment N/A AED 200 (Flat) Fixed
Documents Transfer to another Bank N/A AED 300 (Flat) Fixed
Return Unpaid N/A AED 300 (Flat) Fixed
Export Bills for Collection
Handling Commission N/A Min. AED 200 Max. AED 300
Others
Clean Collection Outward Min. AED 75 Max. AED 200
AED 250-Customers,
Payment Fee
AED 500-Non Customers
SWIFT:
General Correspondence AED 50
Imp LC Issuance AED 250
Imp LC Amendment AED 100
Export LC /amedement advising AED 100
Guarantee Issuance AED 150
Counter Guarantee AED 300
Fax/page AED 50

Courier Local-AED 100 per doc,

Intl - AED 200 per Doc

SNB UAE Terms and Conditions Apply

All fees are exclusive of 5% VAT (Value Added tax)
All prices, Fee and charges of products and services detailed on this Schedule of Charges are subject to change from time to time with prior notice. All obligations under the products & services o ered are
solely at
 July 2023

Home Loans

Home Loans
Loan Processing Fee 1% of the approved loan amounts
In Principle Approval Fee AED 2,000 (non-refundable)*
Total and Partial Prepayment Charges

15% of outstanding amount free per annum. If partial settlement

amount exceeds 15% of loan outstanding amount annually, a charge
Partial Settlement
of Maximum 1 % of the outstanding balance or AED 10,000, whichever is less
will be levied over and above the permissible Partial Settlement amount.

Full Settlement Maximum 1 % of the outstanding balance or AED 10,000, whichever is less.

Interest Rate** Floating & Fixed interest

Late Payment ***
1st Instalment AED 700
2nd Instalment AED 700
Subsequent Instalments AED 700
Cheque Return Charges AED 100
Loan Re-Scheduling Fee AED 250
AED 85
AED 95
AED 75
Mortgage Shield Life Insurance**** Free cover
Loan amount less than or equal to AED 3,500,000 Free cover
Property Insurance 0.038% p.a. of the property value to be recovered annually
Other Charges
Valuation Fee AED 3,000
Change of Repayment Date Fee AED 250
Extension of In Principle Approval AED 1,000 ( Not adjustable towards LPF)
Urgent Retrieval of Documents During Settlement AED 250
Addition/Deletion of Name AED 1,000
Mortgage Loan Statement AED 25
Non-Standard Statement Production/ Copy of Original Documentation AED 100
Property Swaps Administration Fee (including valuation) AED 1,320
Issuance of NOC AED 150
Retention Charge AED 1,000
Request for Other Letters AED 90

SNB UAE Terms and Conditions Apply

E ective 16th October 2020, Life Insurance premium will continue to be charged at 0.1836% p.a. for all home loan customers on boarded on or before 15th October, 2020
* To be adjusted with the Loan Processing fee.
** Subject to change at the sole discretion of the Bank.
*** Late payment interest will be applicable based on the actual number of days, for which the payment is overdue.
**** Loan amount refers to total loan exposure with SNB UAE. Medical underwriting requirement for loan amount more than AED 3,500,000.
which must be borne by the customer on actual basis.
All above fees are exclusive of 5% VAT (Value Added Tax).