UAE business finance fee index 2026: what providers actually publish

In short: across the UAE business-finance providers we verify against official pages, published monthly account fees run AED 0–500, card and gateway rates run 2.37%–3% + AED 0.80–1.00 per transaction where published at all, and only a minority of providers publish a full rate card — most financing, POS and enterprise pricing is quote-only. This index aggregates every figure we could verify on 17 October 2026.

How this index is built

Every number below comes from a provider’s own published page, scraped and hand-verified by our team; each product entry carries its source URL and verification date. Where a provider does not publish a figure we say "not published" — we never estimate. The full field-by-field dataset lives on the data index and our sourcing rules on the methodology page.

Business accounts: monthly fees and minimum balances

• Free tier: Mbank Basic — AED 0/month, no minimum balance (AED only). Alaan Starter — AED 0/month (3 users, 2 cards per user).
• Digital-first: Wio Essential — AED 99/month, no minimum balance.
• Waivable: Emirates NBD NeoBiz Lite — AED 200/month, waived at AED 50,000 average balance.
• Premium fintech: Alaan Premium — AED 499/month, earning uncapped cashback (2% international, 1% domestic).
• Traditional tiers: FAB — AED 10k/250k/500k average-balance tiers with AED 100–500 fall-below fees plus AED 250 maintenance; Zand — AED 250,000 minimum or AED 500 + VAT monthly.
• Worked example (our calculation, AED 50k balance, year one): Mbank Basic AED 0; NeoBiz Lite AED 0 (waiver); Wio Essential AED 1,188; Zand AED 6,300 incl. VAT.

Payment gateways: published rates

• Nomod — 2.37% + AED 0.80 (weekly settlement) or 2.57% + AED 0.80 (two-day), no setup or monthly fees.
• Ziina — 2.6% + AED 1. Stripe and Paymob — 2.9% + AED 1 each. Mamo Premium — 2.7% + AED 0.80.
• CCAvenue — 3% TDR + AED 1 per transaction plus AED 200/month maintenance; zero setup fee applies to GCC transactions only; all charges subject to 5% VAT.
• Not published: HyperPay, PayTabs (quote-based), Checkout.com, Tap Payments, Geidea POS — all quote-only as of October 2026.

SME financing: published terms

• Term finance — Beehive publishes AED 200,000–2,000,000 over 12–24 months at 9.8–12.15% profit rates, disbursed in as little as 48 hours (DFSA F004422).
• Line of credit — Wio Business Line of Credit up to AED 250,000 at 12% p.a., auto-deducted daily from POS sales, 90-day repayment with reborrow.
• Invoice finance — Comfi advances 100% of invoice value, funding within 24 hours of approval; zero processing fees, charges quoted per facility.
• Revenue-based — CredibleX and FlapKap size advances as multiples of monthly revenue; rates are quote-only, soft approvals advertised within 24–48 hours.
• Government-backed — Dubai Future District Fund launched 2020 with USD 272M; Mohammed bin Rashid Fund for SMEs provides loans with a focus on Emirati founders.

What "not published" actually means

Of the providers we track, most financing providers (RBF, invoice finance, MCA), most POS/acquiring vendors and most traditional-bank lending products publish no rate card. That is a market reality, not a data gap: where a figure is quote-only, the honest comparison unit is eligibility + time-to-decision + mechanism, which we track instead.

Using the index

Cross-check any row against the structured catalogue — accounts, gateways, financing, payroll and e-invoicing each carry field-level sources. If a provider updates its published schedule, the index updates on the next verification pass.