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Relationship Based Pricing

Effective 1st February 2019, we are introducing a Relationship based Pricing for our customers. As per our Retail Schedule of Fees, this new pricing and fee structure is applicable for all Aspire and Simplylife customers who open an account with ADCB retail banking. A monthly fee will also be charged for Privilege Club customers who fail to maintain the necessary criteria.

What is Relationship Based Pricing?

Under the existing pricing structure, each current/savings/call account is charged or priced individually. Effective February 1st 2019, the fee will be based on the value of your entire relationship with ADCB. The monthly relationship fees for existing/new customers will be applicable as per the segment specific criteria below


For Aspire and Simplylife customers

There are three pricing tiers under Aspire/Simplylife. These tiers are classified based on your Total Relationship Balance* and the corresponding monthly relationship fee shall apply as below:

Tier Monthly Fee Aspire/Simplylife Category Description
1 No Fee Total Relationship Balance of AED 20,000 or more
Salary Transfer of AED 15,000 or more
Salary Transfer of AED 5,000-14,999 with Credit Card/Overdraft/Loan
2 AED 25 Salary Transfer of below AED 15,000 without
Credit Card/Overdraft/Loan OR
Salary Transfer of less than AED 5,000
3 AED 100 All other Aspire Customers who have an account and do not fall under Tier 1 or Tier 2

*Total relationship balance includes fixed deposits/market value of investment holdings, current/savings/call (CASA) monthly average balance.

For Privilege Club customers

For Privilege Club customers who do not maintain the Privilege Club eligibility criteria, a corresponding monthly fee shall apply:

Monthly Fee for not maintaining criteria Criteria
AED 150 Total Relationship Balance* of AED 200,000 or more
Salary Transfer of AED 20,000 or more
Mortgage Loan of AED 1 Million or more

*Total relationship balance is the combined total average balance of Current Account, Savings Account, Call Account, Fixed Deposits and Investments held onshore.


Who are excluded from Relationship Based Pricing?

1. Minor customers who are less than 21 years of age.
2. New customers with relationship length of less than 3 months.
3. Aspire/Simplylife customers with any Loan product (Personal Loan/Home Loan/Car Loan).
4. Relationship fee will not be charged for the below accounts for Aspire/Simplylife Customers:

  • University Student Account
  • Simplylife Little Master’s Account
  • Child Saver Account

Please visit to learn more about the revised Schedule of Fees and Charges

Will monthly relationship fee apply for minor accounts?

Monthly Relationship Fee shall not apply for minor accounts. Minors are customers with age less than 21 years based on the date of birth recorded in the system. However, other Fees in line with the product pricing shall continue to apply wherever applicable.