SERVICES & PRICES GUIDE (Excluding VAT)	Gold	Platinum	Diamond
Fees (in AED)
Account Opening Fee	Free	Free	Free
Average Monthly Relationship Balance	Free	Free if Min. Salary of AED 20K or Avg. Balance of AED 10K or spending of AED 5k per month (Monthly fee of AED 105 if above criteria is not met	Free if Min. Salary of AED 50K or Avg. Balance of AED 30K or spending of AED 10k per month (Monthly fee of AED 210 if above criteria is not met
Early Account Closure Fee (within 5 working days)	AED0	AED0	AED0
Early Account Closure Fee (within first 6 months)	AED105	AED105	AED105
Segment
Monthly Service Fees	Free	AED105	AED210
Segment Upgrade	Not applicable	Free for remaining month of upgrade	Free for remaining month of upgrade
Segment Upgrade – Debit Card Issuance Fee	Free	Free	Free
Segment Downgrade – Service Fee	Not applicable	Pro-rata charge up to utilized month	Pro-rata charge up to utilized month
Segment Downgrade – Debit Card Issuance Fee	Not applicable	AED26.25	AED26.25
Group Account
Card issuance fee for addition of Member to Group Account (per member)	AED26.25	AED26.25	AED26.25
Bank Statement
Downloading of E-statements	Free	Free	Free
Stamped Statement – Pickup	AED15.75	AED15.75	AED15.75
Stamped Statement – Delivery (within Abu Dhabi) Courier Service applies	AED26.25	AED26.25	AED26.25
Stamped Statement – Delivery (outside Abu Dhabi) Courier Service applies	AED36.75	AED36.75	AED36.75
Cheques
Additional Cheque book request (First cheque book complimentary)	1st chequebook Free Then AED 1.05 per leaf or AED 10.5 for 10 leaf chequebook	1st chequebook Free Then AED 1 per leaf or AED 26.25 for 25 leaf chequebook	Free Chequebook Issuance
Local Cheque Clearing – Normal in the branch	Free	Free	Free
Stop Payment (per instrument per cheque)	AED52.50	AED52.50	AED52.50
Cheque Returned – Drawn on Own account (per Instrument)	AED105	AED105	AED105
Request for copy of old Cheques/Documents	AED 10.5 for < = 1 year AED 21 for > 1 year	AED 10.5 for < = 1 year AED 21 for > 1 year	AED 10.5 for < = 1 year AED 21 for > 1 year
Issuance of Manager Cheque or Demand Draft	AED31.50	AED31.50	Free Manager’s Cheque Issuance
Cancellation of Manager Cheque	AED52.50	AED52.50	AED52.50
Remittances
Inward Remittance	Free	Free	Free
Account to Account transfer (within ALMARYAH BANK UAE)	Free	Free	Free
AED Domestic Transfer – above AED 25K	AED1.05	AED1.05	AED1.05
Recall of Telegraphic Transfer funds /TT Return/Investigation of TT status	AED52.50	AED52.50	AED52.50
SWIFT copy charges	AED15.75	AED15.75	AED15.75
Bill Payment
Utility Bill Payments (DEWA, SEWA, ADDC, Etisalat, DU and SALIK, Schools’ fees	Free	Free	Free
Non-Bank Credit Card Payment	AED10.50	AED10.50	AED10.50
Debit Cards
First Debit Card issued	Free	Free	Free
Debit Card Replacement	AED26.25	AED26.25	Free
Cash Withdrawal (through ALMARYAH BANK ATM in UAE)	Free	Free	Free
Cash Withdrawal (through other bank ATM in UAE)	3 free withdrawals per month (additional withdrawals hold a fee of 2.1 AED)	3 free withdrawals per month (additional withdrawals hold a fee of 2.1 AED)	3 free withdrawals per month (additional withdrawals hold a fee of 2.1 AED)
Balance Enquiry transactions (through ALMARYAH BANK ATM in UAE)	Free	Free	Free
Balance Enquiry transactions (through other bank ATM in UAE)	AED1.05	AED1.05	AED1.05
Declined transactions (through ALMARYAH BANK ATM in UAE)	Free	Free	Free
Declined transactions (through other bank ATM in UAE)	AED1.05	AED1.05	AED1.05
Retrieval of Sales Slip	AED26.25	AED26.25	AED26.25
Standing instruction set up (by the branch)	AED52.50	AED52.50	AED52.50
Letters & certificates
Account balance letter	AED52.50	AED52.50	AED52.50
No liability certificate	AED63	AED63	AED63
Release letter	AED52.50	AED52.50	AED52.50
Liability letter issued to government departments/embassies	AED63	AED63	AED63
Liability letter issued to financial institutions	AED63	AED63	AED63
Dormant account charge	Free	Free	Free
Teller Services
Using Branch Teller	6 transactions free per month; AED 5.25 thereafter	6 transactions free per month; AED 5.25 thereafter	6 transactions free per month; AED 5.25 thereafter
Bulk Cash Deposits / Withdrawals at Teller	Free	Free	Free
Monthly Service fee is waived if following criteria is met:	Not applicable	Salary is credited to account OR Average Balance of AED 10,000 is maintained in the month OR Minimum spending on the debit card of AED 5,000	Salary is credited to account OR Average Balance of AED 30,000 is maintained in the month OR Minimum spending on the debit card of AED 10,000
All fees & charges mentioned are subject to additional 5% Value Added Tax (with the exclusion of interest & currency conversion charges).

Credit Cards

Annual Fee (primary cards)
Platinum	First-year free for renewal fee of AED 525.00 to be billed only if customers’ annual spend is below AED 48,000.00
World Elite	First-year free with a renewal fee of AED 1,575.00 to be billed only if customers’ annual spend is below AED 150,000.00
Sadara	First-year free with a renewal fee of AED 5,250.00 to be billed only if customers’ annual spend is below AED 480,000.00
Annual Fee (supplementary cards)
Platinum	Two supplementary cards are free, any additional supplementary cards are charged at AED 262.50
World Elite	Two supplementary cards are free, any additional supplementary cards are charged at AED577.50
Sadara	AED 5,250
Interest in Retail Purchases for customers transferring salary to Al Maryah Community Bank	3.15% Per month
Interest in Retail Purchases for customers transferring salary to other banks	3.59% Per month
Interest on Cash Advance	3.79% Per month
Cash Advance Fee	3 % of the amount of cash obtained with a minimum of AED 157.5 per transaction
International Transaction Fee	2.49% of transaction value + scheme charges
Card Replacement Fee	AED 78.75
Late Payment Fee	AED 241.50 in any month when the payment is late, or not made, or is less than the minimum amount due
Over Limit Fee	AED 288.75 in any month when the outstanding balance is greater than the assigned credit limit
Cheque Returned Fee	AED 105.00
Minimum Monthly Payment	5% of outstanding or AED 100 whichever is higher
Payment due date	25 days from statement date
E-statement fees	Free
Physical Statement	AED 52.50 per statement
Copies of Transaction Slips	AED 26.25 per transaction slip
Dispute Verification Charge	AED 210.00
All fees & charges mentioned are inclusive of 5% Value Added Tax (with the exclusion of interest & currency conversion charges).

Raha

Activity	Pricing
Processing Fees – Fresh & Raha	1% of the loan amount (Minimum AED 525, Maximum AED 2,625)
Processing Fees – Top up	1% of the top up amount (Minimum AED 525, Maximum AED 2,625)
Credit Life Insurance	0.00015 Monthly on Outstanding Balance
Early/Partial Settlement Fees	1% of the settled amount with a maximum of AED 10,500
Deferment of Installment Fees	AED 105 per deferment
Delayed Payment Penal Fees	2% of the delayed payment (Minimum AED 52.5, Maximum AED 210 per month)
Loan Rescheduling Fee	AED 262.5
Loan Cancellation Fee	AED 105
Other documents requested by customer (Copies of Agreements – Audit Confirmation …etc.)	AED 26.25
All fees & charges mentioned are inclusive of 5% Value Added Tax (with the exclusion of interest & currency conversion charges).

Zcoin

Activity	Pricing
Depositing fee	Free
Withdrawal fee	Free
Early withdrawal fee	Minus 2% of the interest rate applicable. No interest will be paid if the interest of the completed tenure of the deposit is 2% or less.
Interest rate	1.5% per annum
All fees & charges mentioned are inclusive of 5% Value Added Tax (with the exclusion of interest & currency conversion charges).