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Services
Banking Services Overview
BSI-UAE offers a robust set of everyday banking services designed to ensure convenience, efficiency, and security for individuals and businesses alike. Here’s a closer look at the services provided:
Counter Services
Our counters offer fast, secure, and professional in-branch banking services for all basic transactions.
Services include
- Cash deposits and withdrawals
- Account maintenance
- ATM card services
- Transfer & payment
- KYC updating
- Fund transfers
- Cheque encashments
Key benefits:
- Personalized service
- Real-time processing
- Available across all BSI-UAE branches
AANI/ IPI - Instant Payment Instruction
AANI/IPI (Instant Payment Instruction) can be submitted by visiting at any nearest branch, funds will be credited instantly to the beneficiary’s account within the UAE.
- Instant payment transfers : Up to
50,000 within 10 seconds upon its processing. - Zero charges : No funds transfer charges
- Domestic transfers only : Transaction available exclusively in Emirati Dirham (AED).
- Exclusive UAE Transfers : AANI/IPI enables domestic transfers to Beneficiary’s Accounts within the UAE.
Direct Debit System (DDS)
Central Bank Of the UAE (CBUAE) implemented the enhanced payments systems offered in the country by introducing a system that is referred to us as UAE Direct Debit System (UAEDDS). The DDS is an alternative method of effecting recurring Payment Transactio
Participants in DDS are:
- Banks, NBFC, Utility Companies, Schools, Service Providers, Corporate, etc.
Payer
- Retail & Corporate customers who have opted to pay for the service provided by ORIGINATORS using DDS.
Paying BANKS
- Banks to which the DD-Requests are sent out by SPONSORING BANKS.
BSI plays paying bank role only.
WPS Service (Salary Transfers)
Enjoy Zero Balance Account with Zero Maintenance Charges!
Eligibility
- Account can be opened against Salary Transfer to BSI-UAE.
- Other Terms and Conditions shall apply.
Documents Required
- Valid Passport, Visa & EID.
- Salary Transfer Letter / Salary Certificate / Labor Contract.
- Other supporting documents required as per customer profile.
Key features
- Easy and flexible Account Opening process.
- No charges on zero balance.
- Unlimited teller transactions at all our branches in the U.A.E.
- No charges for ATM withdrawals.
- Free SMS and monthly email notifications.
- Free local bank transfers (Immediate Payment Instructions).
- Ability to open Fixed Deposit Account with best offered rate.
- Personal loan repayable in up to 48 months (subject to approval).
ICCS (Inward / Outward Clearing)
The Image Cheque Clearing System (ICCS) is a digital platform that processes cheque transactions across UAE banks.
Inward ICCS:
When BSI-UAE receives cheques (which are issued by its cleints) through ICCS for payment presented by a beneficiary bank.
Outward ICCS:
When cheques presented by BSI - UAE customers for the collection of payment from the issuer bank of the cheque.
- Faster cheque clearance
- Reduced manual processing
- Enhanced security and tracking
Cheque Book Issuance
We provide customized cheque books for both personal and corporate accounts. Cheques can be used for salary, vendor payments, and other business-related transactions.
Features
- Fast processing of new cheque books
- Available in multiple cheque book types: C10, C25, C50.
Usage tip
- Always ensure sufficient balance before issuing cheques to avoid penalties.
Post-Dated Cheque Handling
BSI-UAE offers secure handling and scheduled presentation of post-dated cheques (PDCs), often used in business agreements, rental contracts, and payment plans.
How does it work?
- Cheques are held in safekeeping by the bank.
- Automatically presented on the agreed future date.
Why is it useful?
- Facilitates future payments
- Helps manage monthly commitments
- Avoids missed payment deadlines
Fund Transfer Services (AED)
The Central Bank of UAE announced the launch of an enhanced local electronic funds transfer system (UAEFTS). These enhancements improve payment and returns processing times for electronic payments within the UAE. The following changes will apply:
As per the CBUAE requirements, from 2012, the use of International Bank Account Number (IBAN) is mandatory for all electronic payments and receipts within and outside the UAE (except for making payments through a credit card). IBAN complies with the ISO 13616 standard and is unique to each account number.
You are advised to provide your proper IBAN to your payers and also obtain valid IBAN from your payees.
You can Download valid Transaction Type Code with description Here
Please be advised, the codes that can be used are dependant on the type of account that you hold in the books of Bank Saderat Iran - UAE. For Transaction Type Code with reference number (INV, ROB, ROC) please provide the reference number in customer reference field.
For further information you may visit your branch. We thank you for banking with BSI - UAE.
A Leading bank with a Strong Customer Franchise
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Got a question? We are here to help you.
Call or send a message. +97146035555
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