Schedule of Charges
| Services | Fees (VAT Inclusive) | |
|---|---|---|
Wallet top-up | Bank Account Transfer (IBAN) | Free |
| Kiosk cash deposit | Free | |
| Apple Pay | Free | |
| Google Pay | Free | |
| Samsung Pay | Free | |
| Debit card | Up to 1% | |
| Prepaid card | Up to 1% | |
| Credit card | Up to 3% | |
| AANI / IBAN “Send Money” | Up to monthly threshold*: AED 2.00. Crossing transaction**: higher of AED 2.00 or 1% of excess above threshold. Above threshold: 1% of full transfer amount | |
Withdrawal | Transfer to bank account: AED 2.00 | AED 2.00 |
| Transfer to Aani account: AED 2.00 | AED 2.00 | |
Prepaid Card | Card Issuance – Virtual Card | Free |
| Card Issuance – Physical Card and Delivery (Standard) -Paid | AED 35 | |
| Card Issuance – Physical Card and Delivery (Standard) – COD | AED 35 | |
| Card Replacement – Virtual Card | Free | |
| Card Replacement – Physical Card and Delivery (Standard)-Paid | AED 35 | |
| Card Replacement – Physical Card and Delivery (Standard) – COD | AED 35 | |
| Card Issuance – Physical Card and Delivery (Metal) | AED 285 | |
| Card Replacement – Physical Card and Delivery (Metal) | AED 285 | |
| Funds Load Fee | Free | |
| Domestic ATM Withdrawal Fee | AED 5.25 | |
| Domestic ATM Balance Inquiry Fee | AED 2.1 | |
| International ATM Withdrawal Fee (Outside the UAE) – AED wallet | AED 15.75 | |
| International Balance Enquiry Fee (Outside the UAE) – AED wallet | AED 5.25 | |
| ATM Cash withdrawal Decline Fee (Domestic) | AED 3.15 | |
| ATM Cash withdrawal Decline Fee (International) | AED 5.25 | |
| E-com /POS Decline Fees (Domestic) | AED 1.05 | |
| E-com/POS Decline Fees (International)*monthly one decline with no charges | AED 3.15 | |
| Quasi Cash Fee | AED 10 / Or 2.25% of Transaction Amount (whichever is higher) | |
| Cross Currency Fee (if customer is transacting in a currency apart from the list of botim Money currencies) | 3.50% | |
| SMS Alerts | Free | |
| Card Closure Fee (if within card expiry date) | AED 26.25 | |
| Card Inactivity Fee (will be charged per month after 4 months of inactivity) | AED 5.25 / Month | |
Salary Card | Domestic – ATM Cash withdrawal Fee | AED 2.10 |
| Domestic – ATM Balance Inquiry Fee | AED 1.05 | |
| Domestic – ATM Decline Fee | AED 1.05 | |
| Domestic – POS & E-COM Decline Fee | AED 0.00 | |
| International – ATM Cash withdrawal | AED 15.75 | |
| Cross Border Cross Currency Fee (POS & ATM) | 2% | |
| International – ATM Balance Inquiry Fee | AED 5.25 | |
| International – ATM & POS Decline Fee | AED 5.25 | |
| Card Replacement Fee | AED 26.25 | |
| Statement Fee (hard copy) | AED 26.25 | |
| Mobile Statement Fee (soft copy) | AED 10.50 | |
| Dormant Fees -(inactive for 6 months) | AED 2.10. Per Month | |
| Services | Fees (VAT Exclusive) | |
International Transfer | Fees range from AED 4.99 to 15, depending on the destination country and transfer method | AED 4.99 to AED 15 (VAT Exclusive) |
Aani Transfer | Send Money | AED 2.00 |