Schedule of Fees and Charges

Current Fees and Charges

Schedule of fees and charges (effective from 30th January 2025)

Type of fees

Fee in D (including VAT)

Account

Account opening fee

Free

Account maintenance fee

Free

Monthly account statement via myZoi mobile application

Free

Certified account statement

D 26.25

SMS notifications

Free

Cross border transfer

Cross border transfer origination fee – Pakistan (Transfer above D 375)

Free

Cross border transfer origination fee – Pakistan (Transfer equal or below D 375)

D 12.60

Cross border transfer origination fee – Other regions

D 12.60

Visa payment card

Card issuance and delivery (first card and expired card)

Free

Card replacement and delivery (lost / stolen / damaged card)

D 26.25

First UAE ATM cash withdrawal per calendar month

Free

Cash withdrawal at Standard Chartered Bank UAE ATMs

Free

Cash withdrawal at any other UAE ATMs

D 2.10

Balance enquiry at Standard Chartered Bank UAE ATMs

Free

Balance enquiry at any other UAE ATMs

D 1.05

Point of sales transactions

Free

GCC Net ATMs (in Gulf Co-operation Countries) ATM cash withdrawal

D 6.30

GCC Net ATMs (in Gulf Co-operation Countries) ATM balance enquiry

D 3.15

Mobile recharge

Local mobile recharge per transaction

D 0.53

International mobile recharge per transaction

D 0.53

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Hedeel Mahdi-King

Chief Compliance Officer

I am an England & Wales qualified solicitor (LLB Hons) with 16 years of experience in regulatory law, conduct, and compliance. My career spans international regulatory practice at Allen & Overy, and with the UK Financial Services Authority. At Standard Chartered, my career has been dedicated to regulatory compliance and digitalisation.  I have expertise in regulatory affairs, policy development, compliance advisory, consumer protection, corporate governance, and contentious regulatory work, including investigations and litigation. As a people manager and certified executive coach, I am committed to values-based leadership, fostering collaboration, diversity, and continuous professional development.

Asmik Akopyan

Chief Marketing Officer

Over 15 years of international experience in financial services across Europe, Middle East, and South East Asia primarily across retail banks such as Citi, Standard Chartered and Mashreq Bank with particular focus on lending, client growth, and ROI delivery through effective project and people management.

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