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Fees & Charges
100% transparent pricing. No hidden fees what you see is what you pay. All amounts are inclusive of 5% VAT where applicable.
10
Services completely free
24
Fee items listed
5%
VAT included in all fees
New Fees and Charges effective from 28 January 2026
Schedule of Fees and Charges
Effective from 28 January 2026 · All fees include 5% VAT where applicable
Fee (D)
Type of FeeFee in D (including VAT)
Account
Account opening feeFree
Account maintenance feeFree
Monthly account statement via myZoi mobile applicationFree
Certified account statementD 26.25
SMS notificationsFree
Cross Border Transfer
Cross border transfer origination fee – Pakistan (Transfer above D 750)Free
Cross border transfer origination fee – Pakistan (Transfer equal or below D 750)D 12.60
Cross border transfer origination fee – Other regionsD 12.60
Early Salary
Early Salary fees for amount less than or equal to AED 400D 21.00
Early Salary fees for amount greater than AED 4005.25% of requested amount
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 monthFree
Cash withdrawal at Standard Chartered Bank UAE ATMsFree
Cash withdrawal at any other UAE ATMsD 2.10
Balance enquiry at Standard Chartered Bank UAE ATMsFree
Balance enquiry at any other UAE ATMsD 1.05
Point of sales transactionsFree
GCC Net ATMs (in Gulf Co-operation Countries) – ATM cash withdrawalD 6.30
GCC Net ATMs (in Gulf Co-operation Countries) – ATM balance enquiryD 3.15
Mobile Recharge
Local mobile recharge per transactionD 0.53
International mobile recharge per transactionD 0.53
Local Transfer
Local transfer to myZoi customerD 0.50
Local transfer to non-myZoi customerD 1.00
All fees and charges listed are inclusive of 5% Value Added Tax (where applicable). Fees are subject to change we will provide 60 calendar days' notice before any changes take effect.
myZoi Financial Inclusion Technologies L.L.C is licensed by the Central Bank of the United Arab Emirates. For queries contact ask@myzoi.com or call 800 69964 (UAE, free).
No Hidden FeesCBUAE Licensed5% VAT Inclusive