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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 counter 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
Direct Debit System (DDS)
Central Bank Of the UAE (CBUAE) has 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 Offecting Recurring Payment Trans
Participants In DDS Are
- Banks, NBFC, Utility Companies, Schools, Service Providers, Corporate, etc
Payer
- Retail & Corporate customer who have opted to pay for the service provided by OROGINATORS using DDS.
Paying BANKS
- Banks to which the DD-Requests are sent out by SPONSORING BANKS
BSI plays paying bank roles only
WPS Service (Salary Transfers)
Enjoy Zero Balance Account with Zero Maintenance Charges!
Eligibility
- Account can be opened against Salary Transfer to BSI.
- 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 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 throught ICCS system for payment presented by beneficiary bank. Cheque which are issued by BSI-UAE cleints.
Outward ICCS:
When cheques presented by BSI customers for the collection of payment from 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 rent, salary, vendor payments, and other business-related transactions.
Features
- Fast processing of new cheque books
- Available in multiple Cheque book type 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 it works
- Cheques are held in safekeeping by the bank
- Automatically presented on the agreed future date
Why it's useful
- Facilitates future payments
- Helps manage monthly commitments
- Avoids missed payment deadlines
Fund Transfer Services (AED)
The Central Bank of UAE has announced the launch of an enhanced local electronic funds transfer system (UAEFTS). These enhancements will improve payment and returns processing times for electronic payments within the UAE. The following changes will apply
Effective 14 April 2012, all customers are required to provide a valid Transaction Type Code (listed below) to allow banks to accept and process payment instructions. Any payment instruction submitted to Bank Saderat Iran without a valid Transaction Type Code may be rejected, OR delayed. Salaries processed via The Wages Protection System (WPS) do not require a Transaction Type Code. IBAN was implemented on 19 November 2011 with a grace period ending on 12th April, 2012. Therefore, effective 14 April 2012, all domestic payment instructions are required to contain an IBAN in the beneficiary account number.
Any payment instructions including WPS payments submitted without IBAN, with the exception of credit card payments, are subject to rejection by the UAEFTS. If you have standing orders/instructions for effecting payments in future, you also need to amend the same, by providing a valid Transaction Type Code and IBAN equivalent for the beneficiary account. Please be advised that, as per Central Bank guidelines, starting April 14th 2012, credit to accounts held in banks operating in the UAE will be affected solely based on the beneficiary IBAN. As a valued customer of us, we would advise you to provide your proper IBAN to your payers and also obtain valid IBAN numbers 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. For Transaction Type Code with reference number (INV, ROB, ROC) please provide the reference number in customer reference field.
For further information you may; Contact your Relationship Manager Visit your nearest BANK SADERAT IRAN branch We thank you for banking with BSI.
Yours sincerely To get more information please click on the folowing link : CBUAE Payment and Settlement Systems
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