Key Facts Statement - Huru Money Account and Huru Card

Effective from: 11th Apr 2026

The Huru Money Account is a digital wallet linked to an IBAN and powered by Zand Bank PJSC (hereafter referred to as "Zand Bank"). The Huru Card is a prepaid card issued by Zand Bank and is linked to your Huru Money Account. Using your mobile device and installing the Huru app, you can use your Huru Money Account service to send, receive, and pay money to participating merchants and other Huru Money account holders from anywhere. You can use your Huru Card to purchase goods and services online and in person, wherever a merchant accepts Visa Card payments.

Account Features

Feature Details
Key Features
  1. Using your IBAN, send or receive funds within UAE.
  2. Use your IBAN to receive salary from your employers through WPS.
  3. Send and receive money between Huru Money account holders.
  4. Make purchases in-store and online where Visa Cards are accepted.
  5. Withdraw money from ATMs accepting Visa Cards.
  6. Save for your expenses using Saving Pots.
Eligibility You must be 18 years of age or over and be a resident or citizen of the United Arab Emirates.
Minimum Balance of Huru Money Account No Minimum Balance
Maximum Balance of Huru Money Account AED 30,000
The maximum amount of any single transaction using the Huru Card AED 10,000
Maximum withdrawal amount using the Huru Card AED 5,000
Maximum amount of any single transaction using contactless (Tap n Pay from Card) without PIN AED 500
Cash Withdrawal Options
  1. At any Visa ATM
  2. At partner Exchange Houses from where you received the Huru Card (applicable for WPS only)
Top Up Options

You can load funds into your Huru Money Account through one of the following payment options:

  1. Bank account transfer facilitated on the Huru App
  2. UAE Debit, Prepaid or Credit Cards (Coming soon)
Other Limits There are limits applicable to different types of transactions. Please check here: Huru Money Limits

Key fees

Fee Item Amount
Digital Card Issuance Fee AED 0
Physical Card Issuance Fee AED 26.25
Physical Card Replacement Fee AED 26.25
Balance Inquiry Fee AED 1.05
ATM Withdrawal Fee Any UAE ATM - AED 2.10
Transaction Decline Fee* (Effective 10th June 2026) AED 1.05
Monthly Maintenance Fee* (Effective 10th June 2026) AED 2.10 charged every month
Other Fees & Charges on Huru App** There are Fees applicable to different Transaction Types & Payment Options used. Please check here: Schedule of Charges

*NOTE - If you have been informed by your Employer about benefit/rebate on Maintenance Fee and ATM Withdrawal Fee, then this change will not affect you.

**All charges are inclusive of Value Added Tax (VAT). Fees here are indicative. Always check Schedule of Charges for full & updated charges

Caution

  1. It is your responsibility to load money into your Huru Money Account before use. Having insufficient funds loaded on your Huru Money Account will result in a transaction being declined.
  2. Your Huru Card is not a credit card, and therefore, you are only able to make purchases up to the total amount held in your Huru Money Account.
  3. You must always keep your Huru Money Account and Huru Card credentials safe to avoid any misuse or fraudulent actions by others.
  4. If you make a purchase or withdrawal in a different currency to the currency of your Huru Money Account or Huru Card, a foreign transaction fee at the prevailing currency conversion rate will apply at the time of the transaction. A merchant transaction fee at a conversion rate determined by the merchant's POS service provider may also apply at the time of the transaction.
  5. We may suspend or cancel your access to your Huru Money Account or Huru Card if your conduct is found to be unsatisfactory or against the Central Bank of the UAE's regulations or partner bank's (Zand Bank) requirements.
  6. We reserve the right to reject your request to apply for a Huru Money Account or Huru Card.
  7. Under the General Terms, we have the right to impose a limit on the number or value of transactions that you can make using your Huru Money Account or Huru Card, alongside the general limits we can impose regarding your Huru Money Account and Huru Card.

Additional Information

  1. Our Huru Money Account Terms (including any relevant documents) must be read alongside this Key Facts Statement.
  2. We reserve the right to, in our absolute discretion, amend, delete or cancel any of the terms and conditions within the Huru Money Account Terms, this Key Facts Statement and the Schedule of Charges at any time by giving you at least sixty (60) calendar days' notice.
  3. All the information provided by us is for your informed decision-making only and cannot be deemed as a recommendation or specific advice.
  4. You are required to submit all documents that we may require (including your Emirates ID) to set up your Huru Money Account and Huru Card in a form that is satisfactory to us.
  5. It is your responsibility to make sure that your phone number and email address in the Huru app are up to date and to notify us of any changes to such contact information previously provided.
  6. You can contact help@huru.co or chat with us on the Huru App for any queries related to the Key Facts Statement.