Fees and Charges

Effective 27 April 2024, the maximum transfer fees for all remittance transfers, except Western Union, at Al Fardan Exchange - Sole Proprietorship L.L.C retail branches will change as noted below.
At Al Fardan, we pledge to always keep our remittance charges competitive and to provide excellent value and service to all our customers.
Please note that these new maximum fees do not apply to our Alfa Pay Digital Mobile App.

Country	Currency	Transfer Amount AED(Min.& Max.)	New Service Charge via Bank Transfer AED (excluding VAT)(Min.& Max.)
India	INR	0-1000	18.57
India	INR	Above 1000	25.24
Pakistan	PKR	0-736	20.00
Pakistan	PKR	Above 736	0.00
Bangladesh	BDT	0-1000	18.57
Bangladesh	BDT	Above 1000	25.24
Egypt	EGP	0-1500	17.38
	EGP	Above 1500	20.00
	USD	0-1500	28.57
		1500.01 - 36800	35.00
		Above 36800	57.62
Philippines	PHP	0-1500	23.09
	PHP	Above 1500	25.71
	USD	0-1500	23.09
		1500.01 - 36800	25.71
		Above 36800	57.62
Sril Lanka	LKR	0-1000	18.57
	LKR	Above 1000	25.24
	USD	0-1000	18.57
		1000.01 - 36800	25.24
		Above 36800	57.62
Nepal	NPR	0-1000	18.57
Nepal	NPR	Above 1000	25.24
Indonesia	IDR	0-1500	23.09
	IDR	Above 1500	25.71
	USD	0-1500	23.10
		1500.01 - 36800	25.71
		Above 36800	57.62
UAE	AED	-	23.09
Ghana	GHS	0-1500	17.38
Ghana	GHS	Above 1500	20.00
Kenya	KES	0-1500	17.38
Kenya	KES	Above 1500	20.00
Uganda	UGX	0-1500	17.38
Uganda	UGX	Above 1500	20.00
Bahrain	BHD	0-1500	40.24
Bahrain	BHD	Above 1500	50.00
Kuwait	KWD	0-1500	40.24
Kuwait	KWD	Above 1500	50.00
Oman	OMR	0-1500	40.24
Oman	OMR	Above 1500	50.00
Qatar	QAR	0-1500	40.24
Qatar	QAR	Above 1500	50.00
Tunisia	TND	0-1500	40.24
Tunisia	TND	Above 1500	45.00
Australia	AUD	-	69.05
USA	USD	-	57.62
Canada	CAD	-	69.05
Euro Region	EUR	-	69.05
United Kingdom	GBP	-	69.05
Japan	JPY	-	69.05
New Zealand	NZD	-	69.05
Singapore	SGD	-	75.00
Sweden	SEK	-	69.05
Norway	NOK	-	69.05
Denmark	DKK		57.62
Morocco	MAD	0-100K	27.38
Morocco	MAD	Above 100K	47.62
Lebanon	USD	0-1500	38.09
		1500.01 - 36800	42.86
		36800.01 -100000	57.62
		Above 100K	95.24
Thailand	THB	-	40.00
	USD	0 - 36800	40.00
	USD	Above 36800	57.62
Jordan	JOD	-	26.67
	USD	0 - 36800	26.67
	USD	Above 36800	57.62
Saudi Arabia	SAR	0-1500	40.24
Saudi Arabia	SAR	Above 1500	50.00
Malaysia	MYR	0-1500	28.81
	MYR	Above 1500	35.00
	USD	-	57.62
Iraq	IQD	-	34.52

BANK TRANSFER
Country	All (except sanctioned countries)
Payout currency	Major currencies - USD, EUR, GBP, AUD, CAD Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, INR, PKR, BDT, PHP, LKR, IDR, NPR, SGD, MYR and other local currencies *USD wires available to all countries
Mode	SWIFT, Direct Integration
Note: All Charges are excluding VAT
Type of charge	BEN, SHA and OUR
Charges	For more details regarding product and corridor wise charges, please visit your nearest branch
Delivery timelines	Instant and Value date based depending on the service chosen
Send commission/ charges	Min: AED 15 Max: It can vary depending on the transaction amount, country and service provider.

CASH PICKUP
Country	All (except sanctioned countries)
Payout currency	USD,EGP, MAD, TND, PKR, BDT, PHP, LKR, IDR, NPR
Mode	File upload/ SFTP, API
Note: All Charges are excluding VAT
Type of charge	On Remitter only On Remitter & Beneficiary (on selected corridors)
Charges	For more details regarding product and corridor wise charges, please visit your nearest branch.
Delivery timelines	Same day / Instant
Send commission/ charges	Min: AED 15 Max: It can vary depedning on the transaction amount, country and service provider.

CREDIT TO MOBILE WALLETS
Country	Bangladesh, Pakistan, Nepal, Sri Lanka, African countries
Payout currency	BDT, PKR, NPR, LKR, XOF, XAF, JOD, USD, MYR, ETB, FJD, RWF, MRU, GNF, GMD
Mode	API
Note: All Charges are excluding VAT
Type of charge	On Remitter only
Charges	Nil on beneficiary
Delivery timelines	Instant<
Send commission/ charges	Min: AED 15 Max: AED 50

ALFAPAY APP
Pay @ Branch	Any Amount Service Fee: Min AED 10*
Net Banking	Any Amount Service Fee: 0
Payez	Any Amount Service Fee: 0
Visa Debit Card	Up to AED 3,000 → 0 Charges Above AED 3,000 → AED 1.25 + 0.6% of transfer amount
Mastercard Debit Card	Up to AED 1,500 → 0 Charges Above AED 1,500 → AED 1.25 + 0.6% of transfer amount
Credit Card	Any Amount Service Fee: AED 0.75 + 2.75% of transfer amount
Notes	Minimum transfer fee of AED 10 will be applicable apart from above service fees (exclusive of VAT). For transfers to Pakistan: • Up to AED 736 → AED 10 minimum fee • Above AED 736 → 0 fee

FOREIGN CURRENCY (FCY)

FOREIGN CURRENCY PURCHASE
Country	All (except sanctioned countries)
Payout currency	Major currencies - USD, EUR, GBP, AUD, CAD Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, INR, PKR, BDT, PHP, LKR, IDR, NPR, SGD, MYR and other local currencies
Mode	Cash, Online Deposit, Cheque, CDM Deposit
Type of charge	On Customer only
Taxes on Charges	All Charges are excluding VAT
Charges	Min: AED 3.00, Max: AED 5.00
Delivery timelines	Instant upon fund receipt from customer

FOREIGN CURRENCY SALE
Country	All (except sanctioned countries)
Payout currency	Major currencies - USD, EUR, GBP, AUD, CAD Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, INR, PKR, BDT, PHP, LKR, IDR, NPR, SGD, MYR and other local currencies
Mode	Cash, Online Deposit, Cheque, CDM Deposit
Type of charge	On Customer only
Taxes on Charges	All Charges are excluding VAT
Charges	Min: AED 3.00, Max: 5.00
Delivery timelines	Instant upon fund receipt from customer

VALUE ADDED SERVICES (VAS)

VALUE ADDED SERVICES
Country	All
Payout currency	Major currencies - AED, USD Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, INR, PKR, BDT, PHP, LKR, IDR, NPR, SGD, MYR and other local currencies
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender or beneficiary depending on the service availed
Charges	For more details regarding product and corridor wise charges, please visit our nearest branch.
Delivery timelines	Instant and Value date based depending on the service availed
Send commission/ charges	Min: AED 0 (Zero) Max: Upto AED 400 depending on the transaction amount, country and service provider.

UTILITY PAYMENTS
Country	All (except sanctioned countries)
Payout currency	Major currencies - AED, INR, PHP, PKR, BDT Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, LKR, IDR, NPR, SGD, MYR and other local currencies
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender only
Charges	Nil on beneficiary
Delivery timelines	Instant
Send commission/ charges	Min: AED 0 Max: AED 20

MOBILE TOP UP
Country	All (except sanctioned countries)
Payout currency	Major currencies - AED, INR, PHP, PKR, BDT Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, LKR, IDR, NPR, SGD, MYR and other local currencies
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender only
Charges	Nil on beneficiary
Delivery timelines	Instant
Send commission/ charges	Min: AED 0

CREDIT TO MOBILE WALLETS
Country	Bangladesh, Pakistan, Nepal, Sri Lanka, African countries
Payout currency	BDT, PKR, NPR, LKR, XOF, XAF, JOD, USD, MYR, ETB, FJD, RWF, MRU, GNF, GMD
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender only
Charges	Nil on beneficiary
Delivery timelines	Instant
Send commission/ charges	Min: AED 15 Max: AED 50

BILL PAYMENT
Country	All (except sanctioned countries)
Payout currency	Major currencies - AED, INR, PHP, PKR, BDT Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, LKR, IDR, NPR, SGD, MYR and other local currencies
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender only
Charges	Nil on beneficiary
Delivery timelines	Instant
Send commission/ charges	Min: AED 0 Max: AED 20

CUSTOMER NOTICE: REVISION OF SERVICE CHARGES ON THE VAT PAYMENTS
Effective from 01/03/2025, service charges for VAT payments will be revised from AED 20.00 + VAT to AED 22.85 + VAT

CUSTOMER NOTICE: REVISION OF SERVICE CHARGES ON THE CREDIT CARD PAYMENTS
Effective from 01/03/2025, service charges for credit card bill payments will be revised from AED 3.00 + VAT to AED 3.50 + VAT

WEALTH MANAGEMENT
Country	United Arab Emirates
Payout currency	AED
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender only
Charges	Nil on beneficiary
Delivery timelines	Instant
Send commission/ charges	Min: AED 0 [Zero]

GOVERNMENT PAYMENT COLLECTION
Country	All (except sanctioned countries)
Payout currency	Major currencies - AED, INR, Other currencies - EGP, MAD, SAR, KWD, QAR, BHD, OMR, TND, LKR, IDR, PHP, PKR, BDT, NPR, SGD, MYR and other local currencies
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender only
Charges	Nil on beneficiary
Delivery timelines	Instant and Value date based depending on the service availed
Send commission/ charges	Min: AED 5 Max: AED 400

CORPORATE CASH COLLECTION
Country	United Arab Emirates
Payout currency	AED
Mode	Through Integration
Note: All Charges are excluding VAT
Type of charge	On Sender only
Charges	Nil on beneficiary
Delivery timelines	SFTP - Instant
Send commission/ charges	AED 15

PREPAID CARDS - Classic

Note: The Travelez Classic Card has been discontinued and will no longer be serviced after 30th September 2025. For more details, please Click here

Account Fee Schedule - Travelezplus Travel Card

Item	FEE (in AED if not specified)
Note: All Charges are excluding VAT
Card Issuance	30
Card Replacement	30
Cash Withdrawal Convenience Fee	10.00
Card Inactivity (per month after 12 months of inactivity)	5.00
Load up Fee	5.00
ATM Usage
Domestic ATM Withdrawal	AED 5.00
Domestic ATM Balance Inquiry	AED 2.00
International ATM Withdrawal (withdrawals outside the UAE)
USA	2 USD
Euro Zone	1.5 EUR
UK	1.5 GBP
Canada	3.00 CAD
Australia	3.00 AUD
Hong Kong	15 HKD
Thailand	80 THB
Singapore	7.5 SGD
Japan	250 JPY
Oman	1 OMR
Qatar	10 QAR
Bahrain	1 BHD
International ATM Balance Enquiry
USA	1 USD
Euro Zone	1 EUR
UK	1 GBP
Canada	1.5 CAD
Australia	1.5 AUD
Hong Kong	7 HKD
Thailand	40 THB
Singapore	5 SGD
Japan	125 JPY
Oman	0.5 OMR
Qatar	5 QAR
Bahrain	0.5 BHD
Customer Services
Call Center	No charge
E-statement	No charge
Mobile app	No charge
Online Account Management	No charge
Other Charges
Currency Conversion Fee	3.5% of amount of the transaction, applied when calculating the Conversion Rate
Emergency Cash (excluding transfer fees)	20
Emergency International Card Replacement (excluding card courier fee)	30
Account Closure	30
Account to Account Transfer	5

PREPAID CARDS - Platinum

Transaction and Load up Limits

Transaction and Load up Limits	Amount	Currency
Maximum balance on Account at any one time:	$10,000	USD
Maximum aggregate amount you can load up per 24-hour period (no amount can be loaded up if the result will exceed the maximum balance) Maximum number of load ups : 2	$10,000	USD
Maximum aggregate amount that can be load up in 1 Week Maximum number of load ups : 3	$13,500	USD
Maximum aggregate amount that can be loaded up in 1 Month Maximum number of load ups : 5	$20,000	USD
Maximum aggregate amount that can be loaded up in 1 Year Maximum number of load ups : 60	$60,000	USD
Maximum amount you can withdraw from ATMs per day	$1,400	USD
Minimum Load up amount during first time card purchase	AED 0 (zero)	AED

Account Fee Schedule

Item	FEE (in USD if not specified)
Note: All Charges are excluding VAT
Card Issuance - Non-Personalized card (for Primary and Secondary card(s))	AED 50
Card Issuance - Personalized card (for Primary and Secondary card(s))	AED 65
Card Issuance Additional Charges	AED 0 (zero) for minimum load upof AED 100 or above during card issuance AED 5 for load up of below AED 100 during card purchase.
Card Replacement - Non-Personalized card (for Primary and Secondary card(s))	AED 50
Card Replacement - Personalized card (for Primary and Secondary card(s))	AED 65
Account Inactivity* After the completion of the six months& every subsequent month Al Fardan Exchange reserves the right to cancel the card with/without notice to the customer if no business transaction is noticed for a period of continuous eleven months. *An account is considered dormant if there are no business transactions (E.g.: Point of Sale purchases, Load ups, , E-Commerce, Cash withdrawal from ATM) in the previous six months.	AED 5 (or Equivalent of foreign currencies)
Load up Fee (during card purchase only) (for Primary and Secondary card)	Foreign Currency load up charges: AED 0 for AED 100 equal and above equivalent of foreign currency load ups Foreign Currency load upcharges : AED 5 for below AED 100 equivalent of foreign currency load ups Dirham Fee : - For AED Load ups (only) : AED 5 (irrespective of the amount loaded up on the card)
Load up Fee (subsequent load up in to the card) (for Primary and Secondary card(s))	Load upfee : AED 5 In addition to the of above Load up fee a Dirham Fee AED 5 if the amount reloaded is only in Dirhams (AED).
Withdrawal fee at AFEX branches	AED 5 per every AED 5,000.00 withdrawn and multiple thereof
ATM Usage	ATM Usage
Domestic ATM Withdrawal Fee (for Primary and Secondary card(s))	Below are the charges for the respective currency withdrawals:- AED: 5; USD: 3; EUR: 2; GBP: 2; CAD: 3; AUD: 3; HKD: 20; THB: 100; SGD: 7.5; INR: 100; JPY: 250; OMR: 1; QAR: 10; BHD: 1 ; SAR: 10; KWD: 1; CHF: 3; CNY: 20; TRL: 15; EGP: 40;
Domestic ATM Balance Inquiry Fee (for Primary and Secondary card(s))	Below are the charges for the respective currency withdrawals:- AED: 2; USD: 1; EUR: 1; GBP: 1; CAD: 1.5; AUD: 1.5; HKD: 3; THB: 40; SGD: 5; JPY: 125; OMR: 0.5; QAR: 5; BHD: 0.5; SAR: 2; KWD: 0.5; CHF: 1; CNY: 10; TRL: 7.5; EGP: 10; INR: 50;
International ATM Withdrawal Fee (Outside the UAE) (for Primary and Secondary card(s))	Below are the charges for the respective currency withdrawals:- AED: 5; USD: 3; EUR: 2; GBP: 2; CAD: 3; AUD: 3; HKD: 20; THB: 100; SGD: 7.5; INR: 100; JPY: 250; OMR: 1; QAR: 10; BHD: 1 ; SAR: 10; KWD: 1; CHF: 3; CNY: 20; TRL:15; EGP: 40;
International ATM Balance Enquiry Fee (Outside the UAE) (for Primary and Secondary card(s))	Below are the charges for the respective currency withdrawals:- AED: 2; USD: 1; EUR: 1; GBP: 1; CAD: 1.5; AUD: 1.5; HKD: 3; THB: 40; SGD: 5; JPY: 125; OMR: 0.5; QAR: 5; BHD: 0.5; SAR: 2; KWD: 0.5; CHF: 1; CNY: 10; TRL: 7.5; EGP: 10; INR: 50;
Other Charges
Currency Conversion Fee (for Primary and Secondary card(s))	3.5% of amount of the transaction, applied when calculating the Conversion Rate
Alerts - Email	No Charge
Alerts - SMS	No Charge

The foreign currency equivalent for the above-listed amounts will be determined based on the Conversion Rate or the VISA Conversion Rate, as applicable.For this section, a “day” is defined as a 24-hour period commencing at midnight UAE time.

WAGES PROTECTION SYSTEM (WPS)

Payez (Mercury)

Country

All (Works at Mercury enabled Netwrok only)

Payout currency

All

Mode

Through Integration

Note: All Charges are excluding VAT

Type of charge

salary processing
Salary withdrawal ATMs
Balance Inquiry ATMs
International withdrawal at ATMs
International Balance Inquiry at ATMs
Replacement of Lost / Stolen / Damaged Card
Card issuance
SMS charge
Employee Statement
Decline Charge

Charges

Type Charges	Minimum	Maximum
Salary processing (To Employer)	AED 0.25	AED 1000
Salary withdrawal ATMs (Domestic) (To Card Holder)	AED 2	AED 2
Balance Inquiry ATMs (Domestic) (To Card Holder)	AED 1	AED 1
International withdrawal at ATMs (To Card Holder)	AED 25	AED 25
International Balance Inquiry at ATMs (To Card Holder)	AED 5	AED 5
Replacement of Lost / Stolen / Damaged Card (To Card Holder)	AED 10	AED 10
Card issuance (To Card Holder)	AED 0	AED 5
SMS charge (To Card Holder)	AED 1	AED 1
Employee Statement (To Card Holder)	AED 25	AED 50
Decline Charge (To Card Holder)	AED 1.5	AED 1.5

Delivery timelines

Same day

Payez (Mastercard)

Country

All (Works at MasterCard enabled Netwrok only)

Payout currency

All

Mode

Through Integration

Note: All Charges are excluding VAT

Type of charge

salary processing
Salary withdrawal ATMs
Balance Inquiry ATMs
International withdrawal at ATMs
Replacement of Lost / Stolen / Damaged Card
Card issuance
SMS charge
Employee Statement
Decline Charge

Charges

Type Charges	Minimum	Maximum
Salary file processing (To Employer)	AED 3	AED 100
Card issuance (To Employer)	AED 0	AED 10
Replacement of Lost / Stolen / Damaged Card (To Card Holder)	AED 15	AED 15
Salary withdrawal ATMs (Other than non C3) (To Card Holder)	AED 2	AED 2
Balance Inquiry ATMs (To Card Holder)	AED 2	AED 5
International withdrawal at ATMs (To Card Holder)	AED 6	AED 20
Decline Charge (To Card Holder)	AED 2	AED 2
SMS (To Card Holder)	AED 0.50	AED 0.50
Employee Statement (To Card Holder)	AED 25	AED 50