Fees - Verity

Limits	Amount
Min account balance	Zero
Max account balance	37,000 AED
Max account loads - Daily count	3
Min loading - Daily (bank transfer)	100 AED
Max loading - Daily (bank transfer)	10,000 AED
Min loading - Daily (debit / credit card)	300 AED
Max loading - Daily (debit / credit card)	3,000 AED
Max account aggregate load - Rolling 12 months	220,000 AED
Max # of daily transactions (online / offline)	10
Max # of daily transfers (between own accounts and to others)	7
Max daily transfers amount (between own accounts and to others)	5,000 AED
Spend limit (online / offline) - Single transaction	10,000 AED
Spend limit (online / offline) - Daily limit	10,000 AED
Spend limit (online / offline) - Weekly limit	50,000 AED
Spend limit (online / offline) - Monthly limit	100,000 AED
ATM transactions max count limit - Daily	5
ATM withdrawal limit - Single transaction	10,000 AED
ATM withdrawal limit - Daily	10,000 AED
ATM withdrawal limit - Weekly	25,000 AED
ATM withdrawal limit - Monthly	25,000 AED

Categories	Fees	Amount	Additional Information
Fees	Annual fee	Free	Fees charged once a year
	Monthly fee	Free	Fees charged once a month
	Subscription fee	Free	Fee charged to subscribe for the service
Getting started / adding money	Load/Top-up service fee for in-app bank transfer (minimum 100 AED load)	4 AED (including VAT)	Fee charged when you top up depending on payment method
	Load/Top-up service fee for Credit / Debit Cards (minimum 300 AED load)	3.68% (including VAT)	Fee charged when you top up depending on payment method
	Additional card fee	N/A	Fee charged for getting a backup card, where available
	Transfer Fee (between Verity parent and child accounts)	Free	No fee for moving money between wallets
Spend money/withdrawals	Fee for paying with the card – international	2.5%	Some retailers may charge their own fee, and Foreign exchange rate applies
	Fee for paying with the card – UAE	Free	No fee for paying with your card in the UAE, whether at retailers or online. Some retailers may charge their own fee
	Fee for cash machine withdrawals – international	1% (minimum of 21 AED)	Some operators/banks may charge their own extra fees
	Fee for cash machine withdrawals – UAE	3 AED (including VAT)	Fixed fee on all bank ATMs
Other	Inactivity fee	Free	Fee charged after a 12-month period of you not using your card (either by topping up your card, paying for transactions or withdrawing money), including after your card has expired. No fee if you have a zero balance
	Replacement Card	AED 100 (including VAT)	Service to send you a new plastic card in the UAE. If you lose your card, or it is stolen or damaged, where this service is available. Extra charges may apply for delivery outside of UAE
	Foreign Exchange Fee	N/A	Based on foreign POS – Fee for using your card for a transaction in a currency not in local AED
	Cash out at over the counter (if applicable) or bank transfer	AED 50	Fee for refunding remaining balance back into your bank account
	Foreign Balance Inquiries	AED 5	Fee for inquiring card balance at a foreign ATM outside of the UAE. You can always avoid charges by checking your balances on the app
	Unauthorized Charge Dispute	AED 50	Fee for disputing charges on your card