Commercial Bank of Dubai (CBD)

The fastest route is the CBD mobile app – download it, scan your Emirates ID, take a selfie, and you can have a current account open in minutes without a branch visit. For salaried applicants, you will also need a valid passport with residence visa and a salary transfer letter or certificate from your employer. Processing is typically instant to same-day for straightforward applications. Alternatively, visit any CBD branch with the same documents.

CBD’s standard retail products – current accounts, credit cards, and loans – are designed for UAE residents with valid Emirates ID and residency visa. Non-residents face significantly more restricted options at CBD compared to some other UAE banks. If you are a non-resident investor, property owner, or business client, contact CBD directly on 600 575 556 to discuss what facilities may be available for your specific situation, as offerings can vary by individual profile and relationship type.

The minimum monthly average balance for Personal and Direct Banking customers is AED 5 000. If your balance falls below this threshold in any given month, a fee of AED 105 is charged for that month. The fee is fully waived if any one of three criteria is met: you maintain the AED 5 000 monthly average balance, you transfer a salary of AED 5 000 or more to CBD that month, or you hold an active personal loan, auto loan, or mortgage with the bank. CBD Elite and Private Banking customers have no minimum balance requirement.

As of January 2025, for Personal and Direct Banking customers: SWIFT transfers cost AED 57,75 online and AED 105 at a branch (AED 15,75 online / AED 78,75 at branch for Gulf countries). Faster transfers to India, Pakistan, Bangladesh, and the Philippines cost AED 10,50 per transaction with no free monthly quota. CBD Elite customers receive 4-5 free faster transfers and reduced SWIFT rates per month. Private Banking customers enjoy unlimited free transfers. All fees are inclusive of VAT. Correspondent bank charges may also apply on SWIFT transfers and are separate from CBD’s own fee.

Faster transfers to India, Pakistan, Bangladesh, and the Philippines typically arrive within minutes to a few hours, depending on the receiving bank’s processing times. Standard SWIFT transfers to other countries take 1-3 business days. CBD became the first bank in the Middle East to integrate JP Morgan’s Liink blockchain network in 2025, which has improved speed and accuracy of cross-border payment verification before funds are sent.

The primary SWIFT/BIC code for Commercial Bank of Dubai is CBDUAEADXXX. For the Abu Dhabi branch, the extended code is CBDUAEADADH. When receiving an international transfer into a CBD account, use CBDUAEADXXX unless your sender’s bank asks for a specific branch code. You can also verify your SWIFT code on your CBD account statement, within the CBD app, or on the bank’s official website at cbd.ae.

CBD currently offers four main personal credit cards: the CBD One (free for life, up to AED 135 cashback/month, complimentary lounge access, minimum salary AED 5 000), the CBD Super Saver (up to 10% cashback on bills, education, supermarkets, and fuel, first year free, minimum salary AED 5 000), the CBD Visa Infinite (premium travel card, complimentary golf rounds, 50% off cinema, lounge access, minimum salary AED 15 000, annual fee AED 787,50 with first year free), and the CBD Smiles Signature (for Etisalat/e& ecosystem loyalty points). All cards can be applied for instantly through the CBD mobile app.

You must be aged 21-65 (UAE nationals) or 21-60 (expatriates) at the loan maturity date, employed with at least 6 months of service at a CBD-approved employer, and earning a minimum monthly salary of AED 8 000. A salary transfer to CBD is mandatory. Maximum loan amounts are up to 20x your monthly salary: AED 2,5 million for UAE nationals and AED 750 000 for expatriates. Repayment tenure extends to 60 months for UAE nationals and 48 months for expatriates. Required documents include passport with valid residence visa, Emirates ID, 3 months’ bank statements (for new CBD customers), and a salary transfer letter.

Applicants must be aged 21-70 at loan maturity and earn a minimum monthly income starting from AED 8 000. Mortgage rates start from 3,54% per annum with both fixed and variable options available. Maximum loan amount is AED 25 million with tenures up to 25 years. Required documents include passport with valid residence visa, Emirates ID, salary certificate, and 3-6 months’ bank statements. Property valuation costs AED 3 150 for single residential properties. A pre-approval fee applies (AED 1 575 for salaried applicants) and is credited back toward the processing fee once the full application is submitted within 60 days. Buyouts from other UAE banks carry a 0% processing fee.

Visit any CBD branch with your Emirates ID and debit card. Before requesting closure, ensure all outstanding balances on linked credit cards and loans are fully cleared, and cancel any standing orders or direct debits linked to the account. An account closure fee of AED 105 applies if you close within 6 months of account opening (after the initial 5-day cooling-off period). For accounts open longer than 6 months, no closure fee applies. Processing typically takes several business days from the date of your request.

If your CBD account shows no transaction activity for an extended period, CBD may begin applying dormancy maintenance charges. After two full years of complete inactivity, the account balance may be transferred to the UAE Central Bank’s unclaimed funds register in accordance with UAE Central Bank regulations. To prevent this, log into the CBD app or make any account transaction at least once a year. You can reactivate a dormant account by contacting CBD at 600 575 556 and following the verification process.

Call CBD immediately on 600 575 556 – this line is available 24 hours a day, 7 days a week specifically for card emergencies including lost cards, stolen cards, and fraudulent transactions. You can also freeze your card instantly from within the CBD mobile app: tap “Cards” at the bottom of the screen, select the affected card, and use the “Freeze Card” toggle. Card freezing and unfreezing through the app is immediate and does not require a phone call.

Yes. CBD Al Islami provides a complete Shari’ah-compliant banking range including Islamic current accounts, savings accounts (with profit rates instead of interest), home finance structured under Murabaha and Ijara principles, personal finance, and CBD Al Islami credit cards. All CBD Al Islami products are overseen by the bank’s Shari’ah Supervisory Board and carry a separate fees and charges schedule. Islamic banking services are accessible through all CBD branches and digital channels. For CBD Al Islami specific fees, visit cbd.ae/islami/general/fees-and-charges.