What Are the Charges for FAB Account Maintenance in 2025?

Do you ever wonder about the charges involved in maintaining your FAB (First Abu Dhabi Bank) account? It can be tricky to understand the true cost of banking, especially if you’re new to managing your finances.

If you’re trying to avoid unexpected fees and manage your account smartly, you’re not alone. Many customers are in the same boat, questioning the hidden costs associated with account maintenance at FAB.

In this article, we’ll explore the various charges involved in maintaining a FAB account. Whether you’re an individual or a business customer, understanding these charges is essential to avoid surprises and ensure you’re making the most of your banking relationship.

What Are the Charges for FAB Account Maintenance in 2025?

FAB account maintenance charges depend on the account type. Monthly fees range from AED 25 to AED 300, with additional costs for ATM withdrawals outside the network, cheque services, and international transfers. Maintaining the minimum balance or using FAB services wisely can help minimize these fees. Always review the account’s fee structure for clarity.

Understanding FAB Account Maintenance Charges

FAB offers various types of accounts to meet the needs of its customers, from basic savings accounts to more advanced premium offerings. Regardless of the type of account, all come with associated charges, which may include monthly maintenance fees, transaction charges, and additional costs for special services.

These charges are typically structured to reflect the features of the account and the level of service offered. In this section, we’ll break down the most common charges associated with FAB accounts to help you make informed decisions.

What are the Types of Accounts Offered by FAB?

Before we dive into the charges, let’s take a quick look at the types of accounts available at FAB, as the fees can vary depending on the account type.

• Basic Savings Accounts: These are standard accounts designed for individuals who need a simple way to store and manage their money. They often come with lower fees but limited features.
• Current Accounts: FAB’s current accounts offer more flexibility with payments, transfers, and withdrawals. These accounts are typically used for everyday banking and may come with slightly higher fees compared to savings accounts.
• Premium Accounts: These are designed for high-net-worth individuals and come with a wider range of services, such as priority banking, exclusive offers, and specialized financial advice. Naturally, the charges for these accounts are higher.
• Business Accounts: Tailored for businesses, these accounts come with features suited to corporate needs, such as multiple signatories, online banking services, and business-related financial products. Fees for these accounts can vary greatly depending on the size and nature of the business.

What Are the Charges for FAB Account Maintenance?

The maintenance charges for FAB accounts vary depending on the type of account and the services you use. Below, we’ll break down the most common charges for FAB accounts.

1. Monthly Maintenance Fees

One of the most common charges for maintaining a FAB account is the monthly maintenance fee. This fee is typically applied to most accounts and is deducted on a monthly basis. The amount varies based on the type of account you have.

• Basic Accounts: For basic savings accounts, the monthly maintenance fee is often lower or waived altogether, especially if the account balance stays above a certain threshold.
• Current Accounts: For current accounts, the fee can range from AED 25 to AED 50 per month, depending on the features of the account.
• Premium Accounts: Premium accounts typically have higher monthly maintenance fees, which can range from AED 100 to AED 300 per month. However, these fees are often offset by the added benefits of premium banking services.

2. Minimum Balance Fees

Many FAB accounts come with a minimum balance requirement. If your balance drops below the required threshold, you may incur a fee. This is an important factor to consider when choosing an account, as it can affect your overall banking costs.

• Basic Accounts: Basic accounts often have a lower minimum balance requirement, typically around AED 3,000 to AED 5,000. If your balance falls below this, you might be charged a fee of AED 25 to AED 50 per month.
• Current and Premium Accounts: These accounts generally require a higher minimum balance, which can range from AED 10,000 to AED 50,000. Falling below this threshold could result in higher fees, sometimes reaching AED 100 or more per month.

3. ATM Withdrawal Fees

Using ATMs for cash withdrawals is another area where fees may apply. If you withdraw money from an ATM outside of FAB’s network, you may be charged a fee.

• FAB ATMs: Withdrawals from FAB ATMs are generally free for account holders, although some accounts may limit the number of free withdrawals you can make per month.
• Non-FAB ATMs: If you use an ATM outside of the FAB network, you may incur a fee, typically around AED 2 to AED 5 per transaction.

4. Transaction Fees

Certain types of transactions, such as international transfers, may incur fees. The cost of these fees can vary depending on the type of transaction and the destination.

• Domestic Transfers: Local transfers within the UAE are typically free for account holders, though some accounts may limit the number of free transfers per month.
• International Transfers: Sending money abroad can result in higher fees. FAB charges fees that typically range from AED 25 to AED 100 for international transfers, depending on the amount and destination country.

5. Cheque-related Charges

For customers who use cheques for payments, there are specific charges related to the processing of cheques. These fees can apply for both personal and business accounts.

• Cheque Book Fees: Most accounts charge a fee for issuing a cheque book, usually around AED 25 to AED 50 for a standard cheque book.
• Cheque Return Fees: If a cheque bounces due to insufficient funds or other issues, a fee is charged. This fee can range from AED 100 to AED 200 per returned cheque.

6. Overdraft Fees

If you overdraw your account or have a negative balance, FAB may charge an overdraft fee. Overdraft facilities are typically available for current accounts and premium accounts, but they come with associated costs.

• Overdraft Fee: The fee for overdrawing your account varies but can range from AED 50 to AED 150 per transaction, depending on the account type and overdraft limit.
• Interest on Overdrafts: In addition to the overdraft fee, FAB charges interest on the amount overdrawn, typically ranging from 9% to 15% per annum.

How Can You Avoid High Maintenance Charges?

While it’s important to be aware of the charges that come with maintaining a FAB account, there are several ways to avoid or minimize these fees.

1. Maintain a Healthy Account Balance: One of the simplest ways to avoid maintenance fees is by ensuring your account balance meets or exceeds the minimum required balance. If possible, set up automatic deposits to maintain a consistent balance.
2. Choose the Right Account Type: Carefully consider which type of account suits your needs. If you don’t need premium features, opting for a basic account may help you avoid higher maintenance fees.
3. Use FAB ATMs: To avoid ATM withdrawal fees, try to use FAB ATMs as much as possible. You can also look into using mobile banking or online transfers to minimize the need for ATM withdrawals.
4. Be Cautious with International Transfers: If you frequently send money abroad, explore options to minimize transfer fees. FAB offers various international transfer services, so check for special offers or lower-cost alternatives.

Frequently Asked Questions

Q. What is the monthly maintenance fee for FAB accounts?

The monthly maintenance fee for FAB accounts depends on the type of account. Basic accounts often have lower or no maintenance fees, while current and premium accounts can incur monthly fees ranging from AED 25 to AED 300.

Q. Are there fees for using ATM machines?

Using FAB ATMs is generally free for account holders, but withdrawals from non-FAB ATMs may incur a fee of AED 2 to AED 5 per transaction.

Q. What happens if my account balance falls below the required minimum?

If your account balance falls below the required minimum, you may incur a fee, which can range from AED 25 to AED 100 per month, depending on the account type.

Q. How much does FAB charge for international transfers?

FAB charges fees for international transfers, typically ranging from AED 25 to AED 100, depending on the amount and destination.

Q. How can I avoid overdraft fees?

To avoid overdraft fees, ensure you maintain sufficient funds in your account or apply for an overdraft facility with clear terms and limits.

Final Thoughts

Understanding the charges associated with maintaining an FAB account is essential for effective financial management. Whether you’re using a basic savings account or a premium account, being aware of the fees can help you avoid unexpected costs. By maintaining the required balance, choosing the right account type, and using FAB’s services efficiently, you can reduce the impact of maintenance fees on your finances.