Key Fact Statement

City Exchange is licensed by the Central Bank of UAE to provide the following financial activity(s):

  1. Dealing in sale and purchase of foreign currencies and travelers’ Cheques
  2. Executing remittance operations in local and foreign currencies
  3. Payment of wages through establishing a link to the operating system of “wages protection”
  4. Cash collection arrangements for:
    1. Value Added Tax (VAT) on behalf of Federal Tax Authority
    2. Pension on behalf of General Pension & Social Security Authority (GPSSA)
  5. Credit Card Bill collection
  6. Air Fare Collection – Air Arabia PJSC

TERMS & CONDITIONS

Buying & Selling of Currencies
  • Buy & Sell of Currencies are subject to rules and regulations of the Central Bank of the UAE.
  • Currencies once sold or bought cannot be returned for whatsoever reasons.
  • Customer must count the money before leaving the Cashier’s counter and must obtain a receipt of the transaction. Neither City Exchange nor its employees will be liable for any claims or shortages thereafter.
  • This establishment reserves the right to recover any amount paid due to errors and omissions.
  • Telegraphic Transfers/Instant Transfers:
  • Telegraphic Transfers & Instant Transfers are subject to rules and regulations of the Central Bank of the UAE, including all the AML & KYC requirements.
  • Transfers/remittances are considered to be executed and delivered unless a claim is received from the customer within 3 months for Bank transfers and within 1 month for Cash Payouts, from the date of remittance.
  • Transfer/remittance customers must lodge a complaint within a maximum period of 3 months for Bank transfers and within 1 month for Cash Payouts, from the date of remittance. Else the transfer/remittance will be considered as executed and delivered.
  • Refund against cancellation of Telegraphic Transfers or any payment orders returned unpaid for whatsoever reasons will only be made at the prevailing market rate of the currency, against the confirmation of non-payment received from our correspondent. Net amount only will be refunded after deduction of all expenses/charges.
  • Any amendments or re-issuance of the remittance transaction requested by the customer for whatsoever reasons will only be made at the prevailing market rate of the currency and will be subject to our regular charges and settlement of any rate differences, if applicable.
  • The remitter indemnifies the establishment for any delay, mistake or omission caused in transmission of the telegraphic transfer or any other payment order, which is beyond the establishment’s control.
  • Back-end charges will be applicable to all remittances to Philippines & Saudi Arabia.
  • This establishment reserves the right to recover any amount paid due to errors and omissions
  • Payment of wages through Wages Protection System:
  • Only an authorised representative is permitted to deposit the salary in City Exchange branches, on behalf of the employer.
  • City Exchange will not be responsible for credit of salary into wrong account number if wrong information is provided by the employer/authorised person.
  • The employees can withdraw their salaries through the designated ATMs. Withdrawals from other ATMs will be charges as per the respective Banks.

    Cash withdrawal through ATM and/or POS transactions made outside UAE will be in currencies of respective countries and conversion rates will be applicable.

    Cash collection arrangements for Value Added Tax (VAT) on behalf of Federal Tax Authority, Pension on behalf of General Pension & Social Security Authority (GPSSA), Air Arabia Ticket Collection & Credit Card Bill collection:

    The GPSSA payments are acceptable only for the amount fetched through UAEFTS – If any variations are found in the amount, the transaction will not be processed.

    Once the GPSSA Payments have been processed, it is not refundable. VAT Payment must be paid as per the deadline shown on the VAT return of the customer.

    Customer must ensure the correctness of the Tax Registration Number (TRN) as the amount paid cannot be claimed if payment is made to the wrong TRN.

    VAT Payments will be made against the invoice shared from the FTA portal.

    VAT payments are acceptable only for the amount fetched through UAEFTS – If any variations are found in the amount, the transaction will not be processed

    VAT Payments are acceptable on every quarter and once the payment is completed, it is not refundable.

    Credit Cards Payments customers must review and verify the correctness of the payment advice and confirm by paying the amount.

    Credit Cards payments accepted through City Exchange and not refundable once it is transmitted.

    Credit Cards Payments bill amount will be transferred to relevant account of the credit card issuer via UAEFTS.

    Credit Cards Payments Cash collected on public holidays or if it exceeds the cutoff period, the same will be settled on next business day value.

    Credit Cards Payments have to pay before the deadline and City Exchange is not responsible for any delay, error or omission which may happen in its transmission or delivery or due to technical error.

    For Air Arabia Ticket payments, the customer must provide the PNR number for completing the ticket purchase.

    Air Arabia Ticket payment has to be completed within 24 hours from the time of online booking.

    City Exchange is not responsible for the cancellation/amendment of the Air Arabia ticket itinerary done by the customer.

    For all the above financial activity(s) licensed by the Central Bank of UAE:

    Customers must provide required documents as per Compliance requirements. Original valid ID such as Emirates ID/Passport with Valid UAE Visa must be provided while making any of the above licensed financial activity(s) through City Exchange.

    Customers will be registered subsequent to City Exchange validating the KYC Documents (Emirates ID/Passport with Valid UAE Visa/GCC ID for GCC Nationals) as per Central Bank of the UAE guidelines, submitted at the City Exchange branches.