CBI Direct Universal Account

Simple, secure, and designed for everyday life.

The CBI Direct Universal Account is designed to make banking simple and accessible.

Whether you're starting your financial journey or looking for a straightforward way to manage your money, this account gives you everything you need without complexity.

Your banking benefits:

Easy account opening
Secure banking experience
Access anytime, anywhere
Simple and transparent

Criteria & Eligibility

No minimum balance requirement
Salary and/or income transfers up to AED 5,000
Easy peer-to-peer fund transfers, both within the UAE and internationally
Convenient bill payments and point-of-sale purchases via card or mobile app
Cheque book facility not available
No credit facilities included
5-day cooling-off period for your peace of mind

Terms & Conditions

Key Fact Statements

Warning: The Bank reserves the right to immediately block or close the Account(s), without prior notice, if it has reasonable grounds to believe there is a financial crime or fraud risk.

Warning: If updated KYC documents and valid identification are not provided within 90 days, your ATM card will be blocked. Transactions may still be conducted through the branch.

Warning: You must provide the Bank with up-to-date documents at all times. Failure to do so may result in charges, transaction restrictions, account blockage, or account closure.

Warning: Certain products require a minimum balance to be maintained in order to earn interest.

Warning: In accordance with UAE Central Bank instructions, your account will be closed and blacklisted if four cheques are returned due to insufficient funds within a one-year period.

Warning: Failure to comply with the Bank’s terms and conditions, before or during the banking relationship, may result in restrictions, blockage, or closure of your account.

Warning: The Bank may apply any credit balance held in your name, in any account or branch, toward any amount you owe to the Bank.