C3Pay Universal Account Terms and Conditions Edenred UAE

Last updated on: 13 October 2026Version 1

1.Introduction and About Us#

1.1.

Edenred Prepaid Cards Management Services LLC (“Edenred/Us/We/Our”) is registered with the Dubai Economic Department (“DED”) under license number 776457 and with its registered address at: 43rd Floor, Single Business Tower, Business Bay, Dubai, United Arab Emirates.

1.2.

Edenred is a national domestic payroll provider and an Universal Account issuer. These Terms only apply to Eligible Individuals (“You, Employee(s), Cardholder, Your”) to create a C3Pay Universal Account (the “C3Pay Universal Account/Account”) and consent to receiving a C3Pay Card powered by the International Card Association/Scheme Rules Mastercard and/or the national Domestic Card Scheme Jaywan.

1.3.

These Terms do not apply to corporate entities. Please reach out to the Edenred support team who will assist with queries by contacting: support.ae@edenred.com or info.ae@edenred.com.

1.4.

These Terms govern Your access to and use of the C3Pay App, Your C3Pay Universal Account and the C3Pay Card. Your C3Pay Universal Account is a basic, digitally accessible account denominated in UAE Dirhams and as further described under Clause 4.3, and developed in accordance with Clause 7.2 and the recent CBUAE's Universal Account Guidance.

1.5.

These Terms apply to the Employees of our Client(s) (each an “Employer”). If You quit Your job or You are terminated, Your C3Pay Universal Account, C3Pay Card and access to the C3Pay App will remain unaffected allowing You to use and access them. You will not lose access to Your C3Pay Account, C3Pay Card or access to Your profile within the C3Pay App just because Your employment has ended. However, You will no longer receive any salary credits into Your C3Pay Universal Account from Your ex-employer, and any fee waivers or benefits You might have been subject to due to being a former employee of Your ex-employer will stop immediately. From that point, You will be subject to the standard fees shown in Schedule 2. Please refer to Clause 15 for more on when We can suspend, close or terminate Your C3Pay Universal Account.

1.6.

You are issued a C3Pay Card when You request it. The C3Pay Card is issued under a Bank Identification Number (“BIN”) sponsorship arrangement with National Bank of Ras Al Khaimah (P.S.C) (the “Bank”). The Bank is the licensed issuing bank and holds and safeguards Your funds under applicable UAE banking rules and the CBUAE Dormant Accounts and Unclaimed Funds Regulation. The Bank's involvement is in its capacity as the BIN sponsor and card issuer; Edenred operates the C3Pay programme under its sponsorship agreement with the Bank. The regulatory split between Edenred (as “Programme Manager”) and the Bank (as “Issuer”) means that: (a) fund safeguarding, card issuance and banking regulatory obligations are the responsibility of the Bank; and (b) App operations, CBUAE compliance, consumer protection compliance, data protection, customer-facing service delivery, the obligations under Clause 1.10 and management of Your marketing preferences under Clause 11.4 are the responsibility of Edenred.

1.7.

Consumer Funds: Your funds loaded onto Your C3Pay Account are safeguarded by the Bank as the Issuer, and managed by Us as the Programme Manager. In the event You need to recover Your funds, You should make Your claim to Us, using the support channels described in these Terms, following which You will be provided with an unclaimed balance claim form (the “Unclaimed Balance Claim Form”) for completion, which You must submit back to Us within the timeline communicated to You by Us.

1.8.

Language, Accessibility and Availability: These Terms, and all disclosures, product information and required notices, are made available in Arabic, English, Hindi and Urdu through all communication channels We operate (including the C3Pay App and Our online channels). In the event of any conflict between the Arabic, English, Hindi and Urdu versions of these Terms, the Arabic version shall prevail unless otherwise required by applicable law.

1.9.

Where You require these Terms or any related document in an alternative accessible format (including due to a disability or impairment), You may contact Us through the support channels set out in Clause 12, and We will use reasonable endeavours to provide the information in the best-suited format.

1.10.

Business Conduct: We are committed to supporting Your financial literacy and awareness. Through Our communication channels, We provide educational materials and guidance on how to use the C3Pay Universal Account, C3Pay App and its features safely, how to protect Your C3Pay Universal Account, Your C3Pay Card, Your PIN, Your personal data, how to identify and report fraud, phishing and scam attempts, Your rights under CBUAE consumer protection rules, and how to submit a complaint or escalate a concern. You may access these materials at any time through Our communication channels or by contacting customer support within the App under the “Help” or “Support” section.

2.Warning#

WARNING:

Please read the following warnings, together with the Terms, Schedules 1,2 and 3, as they will be legally binding on You when You consent to the Terms, use the C3Pay App, C3Pay Universal Account, C3Pay Card and/or any products or services offered by Edenred, the Bank or its service providers.

If there is anything You do not understand or agree with under these Terms or the Schedules, You should contact us prior to clicking “I Accept”.

If You do not agree to the Terms, the Schedule of Fees and the Schedules, You should not select “I Accept” and You must immediately discontinue Your use of the C3Pay App, C3Pay Universal Account and the C3Pay Card.

Edenred may in its sole discretion close and/or block Your C3Pay Account and/or Card, if:

4.1.

You open another Universal Account or Current Account with another bank or licensed financial institution resulting in You no longer meeting the Universal Account Eligibility Criteria;

4.2.

You no longer meet Edenred’s Eligibility Criteria as set out in Clause 4;

4.3.

You submit false or misleading information to Edenred;

4.4.

You fail to comply with any of the obligations in these Terms; or

4.5.

We are required to do so under the applicable laws or upon a formal request from CBUAE or any other relevant authority.

Cheque Book: The C3Pay Universal Account does not offer the provision of a cheque book.

You agree to the following in relation to the Cooling-off Period:

6.1.

In reference to my Universal Account creation request, and in accordance with Clause 6.2 of the C3Pay Universal Account Terms and Conditions (available here) I acknowledge and choose to waive my right to avail the Cooling-off Period of a maximum of five (5) Business Days. I further understand and acknowledge that by choosing to waive my Cooling-off Period right, Edenred will initiate the immediate creation of the C3Pay Universal Account and issue the C3Pay Card.

Prepaid Card Consent:

7.1.

I hereby understand and acknowledge that by selecting “I Accept” I am giving Edenred my express consent to issue and deliver the C3Pay Card.

Aani Enrollment Consent:

8.1.

Aani is a service which processes domestic transfer payments instantaneously. You must ensure that Your instructions, transfers, amount, beneficiaries are correct, as once submitted, they cannot be revoked or recalled.

8.2.

By clicking “I Accept” You consent and allow Edenred to share Your details with the Bank to initiate Your Aani account creation which is free of cost to You.

Live Image Capture Consent:

9.1.

By clicking “I Accept” You consent to Edenred capturing Your live image and conducting other liveliness checks to ensure (i) You are the Eligible Individual for the C3Pay Universal Account in accordance with Your submitted KYC/ID documentation; and (ii) compliance with the CBUAE AML/CTF regulations.

10.

Marketing

10.1.

I agree to receive updates and marketing communications from Edenred via email, sms, the C3Pay App or any other communication channels. I understand that I can turn this off at any time from the preferences section in the profile tab of the C3Pay App.

From time to time, We may offer promotional benefits subject to separate promotional terms. These promotions are time-limited and do not form part of these Terms unless expressly stated.

3.Definitions#

3.1.

In these Terms, the following words have the following meanings, unless the context requires otherwise:

Term	Meaning
Account/C3Pay Universal Account	means Your C3Pay Universal Account, a basic, digitally accessible current account denominated in AED, issued to You in accordance with these Terms.
Applicable Law	means all applicable laws, regulations, circulars, notices and guidance issued by the CBUAE or any other competent authority in the United Arab Emirates, including the CBUAE's Universal Account Guidance and Consumer Protection Regulation.
Aani	means instant payment platform (further described in Clause 7.5), operated by Etihad Payments (Al Etihad Payments Company – Sole Proprietorship L.L.C.), a Central Bank of the UAE subsidiary.
Bank	means the National Bank of Ras Al Khaimah (P.S.C), acting as the BIN sponsor of the C3Pay Card.
Business Day(s)	means any day (other than a Saturday, Sunday, or a public holiday declared by the UAE Federal Government or the Government of Dubai) on which banks are generally open for business in the UAE.
C3Pay App/App	means the mobile application through which You access and manage Your Account and C3Pay Card.
C3Pay Card/Card	means the prepaid card issued by Rakbank to You in connection with Your Account.
Card Association/Scheme Rules	means the operating rules, regulations, bylaws, and standards issued and updated from time to time by Mastercard and/or Jaywan (as applicable, depending on the network branding of Your C3Pay Card), governing the use, acceptance, processing, and settlement of transactions made using a C3Pay Card bearing the Mastercard and/or Jaywan badge or logo, including any terms and conditions published by Mastercard at www.mastercard.com and by Jaywan at www.jaywan.ae, as may be amended, updated, or replaced from time to time.
CBUAE	means the Central Bank of the United Arab Emirates.
Client/Employer	means the corporate entity that employs You and that has engaged Edenred to provide Universal Accounts to its employees.
Edenred/We/Us/Our	means Edenred Prepaid Cards Management Services LLC.
Eligible Individual(s)	means an individual who satisfies all of the eligibility criteria set out in Clause 4.3, namely an individual who: (a) is a legal resident of the UAE; (b) is employed by an Employer that is a Client of Edenred; (c) has a total monthly income of AED 5,000 or lower; and (d) self-declares, at the time of their application, that they do not hold any other active current or savings account with any other Licensed Financial Institution in the UAE.
IBAN	means the unique International Bank Account Number assigned to Your Account.
Terms/Terms and Conditions	means these C3Pay Universal Account Terms and Conditions, including all Schedules.
User/You/Your/Cardholder(s)/Employee(s)	means the individual to whom a C3Pay Universal Account and C3Pay Card have been issued under these Terms.
UAE	means the United Arab Emirates.

3.2.

Other capitalised terms used in these Terms have the meaning given to them in the Clause in which they first appear.

4.Your Account, Onboarding and Eligibility Criteria#

4.1.

C3Pay Universal Account Creation:

To apply for a C3Pay Universal Account, Your Employer must submit Your details to Us as part of its bulk employee onboarding process. We do not accept applications to open a C3Pay Universal Account directly from individuals. Account creation can only be initiated by a signed corporate employer on behalf of its employees.

4.2.

Onboarding:

Once You receive Your C3Pay Card, You will complete digital onboarding through the C3Pay App, including identity verification (KYC) using Your Emirates ID (in some instances where Your EID is not yet available You must upload Your passport to verify Your residency status in the UAE). Your IBAN will be created, and Your C3Pay Card will be activated, only once Your profile is validated internally against company internal policies and Applicable Laws. If You already hold a C3Pay Universal Account from a previous or another Employer, completing onboarding with a new Employer will link that Employer to Your existing Account rather than create a new one.

You will be directed to contact customer support to complete this process. If We reject Your application to open a C3Pay Universal Account, We will notify You within 5 working days of receiving Your application, by email or via a push notification within the C3Pay App, stating the reason for rejection and how to appeal the rejection or submit a complaint, except where notification is not required under applicable anti-money laundering or counter-terrorist financing rules.

4.3.

Eligibility Criteria:

To be eligible for a C3Pay Universal Account, You must:

be a legal resident of the UAE;

be employed by an Employer that is a Client of Edenred at the time of Your C3Pay Universal Account Creation;

have a total monthly income of AED 5,000 or lower; and

self-declare at the time of Your application, that You do not hold any other active current or savings account with any other Licensed Financial Institution or bank in the UAE.

Meeting the above eligibility criteria does not guarantee the opening of a C3Pay Universal Account. Account opening remains subject to identity verification, compliance and regulatory checks, and final approval by Edenred and/or the Bank.

4.4.

Ongoing Eligibility:

We may, from time to time, verify Your continued eligibility for a C3Pay Universal Account, including but not limited to Your residency status. If You no longer meet the eligibility criteria in Clause 4.3, We may take the actions against You as described in the Warning box and Clause 15 which may result in the suspension or closure of Your C3Pay Universal Account, the C3Pay Card and/or the C3Pay App.

5.Acceptance of these Terms and Acceptable Use#

5.1.

By selecting “I Accept”, or by activating or using Your C3Pay Card, the C3Pay App or Your Account, You confirm that You have read, understood and agree to be bound by these Terms, including the Warning box in Clause 2.

5.2.

You must use the C3Pay App, Your Universal Account and Your C3Pay Card only for lawful purposes and in accordance with these Terms and the Card Association/Scheme Rules. You must not use the C3Pay App, Your Universal Account or Your C3Pay Card: (a) for any fraudulent, unlawful or unauthorised purpose, including money laundering or the financing of terrorism; (b) in a manner that breaches any Applicable Law, the Card Association/Scheme Rules; (c) to declare and/or provide false or misleading information to Us; or (d) in any way that could damage, disable or impair the C3Pay App or Our systems, or interfere with any other User's use of the C3Pay App.

5.3.

You are responsible for keeping Your login credentials, PIN, C3Pay Card information (including but not limited to the card number, expiry date and CVV number) and registered device secure, and for all activity carried out using Your Account and C3Pay Card, except where such activity results from Our fault subject to clause 14 of these Terms or the fault of the Bank.

5.4.

You must notify Us immediately through the C3Pay App or Our customer support channels if You suspect that Your Account, C3Pay Card, PIN or login credentials have been lost, stolen, or used without Your authorisation.

5.5.

We may suspend Your access to the C3Pay App, Your Account or Your C3Pay Card where We reasonably suspect a breach of this Clause 5, fraud, or a security risk, in accordance with Clause 15.

6.Cooling-off Period#

6.1.

Under Applicable Law, You have the right to a cooling-off period of 5 complete business days after accepting to receive Your C3Pay Universal Account and C3Pay Card. During this period, You may inform Us of Your desire not to proceed without penalty and receive a full refund of any fee already paid.

6.2.

However, You acknowledge and accept that in order to facilitate the immediate creation and processing of Your C3Pay Universal Account You agree to explicitly choose to waive this cooling-off period during Your onboarding process within the C3Pay App via the prominent warning presented to You. You further understand and accept that this means You are agreeing to an immediate commitment and waiving Your cooling-off right.

6.3.

If You do not waive the cooling-off period, We will not be able to process Your application within the C3Pay App, and initiate the creation of Your C3Pay Universal Account and activation of Your C3Pay Card will be delayed until You consent to explicitly waive off the cooling-off period.

7.C3Pay Universal Account#

7.1.

All Users of the C3Pay App have access to the following features on their C3Pay Universal Account, which may allow You to:

view Your ATM PIN;
view Your Account balance and transaction history;
change the language of the C3Pay App;
update Your registered mobile number;
change Your C3Pay App password;
access and view the fees and charges sheet within the C3Pay App;
update Your registered email address;
receive transaction notifications (for example, via SMS);
manage how You receive alerts (for example, via SMS, in App push notifications or email);
access customer support;
request soft or hard copies of Your Account statement, which will display Your IBAN, transactions and subscriptions to any products or services we may offer. Where You have received salary payments from more than one Employer, all salary credits received from each Employer;
make and receive Money Transfers, including Aani transfers, local C3Pay to C3Pay account transfers, and international transfers (**some Users may not be able to make or receive international transfers in accordance with the Bank’s assessment of remitter profile in accordance with the CBUAE AML/CTF regulations and other applicable laws**); and
pay bills through the C3Pay App (excluding mobile recharge).

7.2.

Your C3Pay Universal Account has the following features:

Your Account does not have a minimum balance requirement;
Your Account is only denominated in AED;
Your Account does not bear interest or profit;
Your Account is issued with a C3Pay Card free of charge for everyday transactions: bill payments (in accordance with Clause 7.6 and subject to the fees set out in Schedule 2), POS transactions, online transactions, and cash withdrawal through ATMs (subject to applicable fees set out in Schedule 2);
Your Account provides You with a cash withdrawal feature as follows: unlimited free withdrawals per month at C3Pay and Rakbank ATMs; withdrawals at any other ATM are subject to the applicable fee set out in Schedule 2;
Your Account allows You to enquire Your balance as follows: always free of charge within the C3Pay App, C3Pay or Rakbank ATMs and via customer support. Balance enquiry is charged subject to the applicable fees set out in Schedule 2 when checked at all other ATMs within the UAE and internationally;
Your Account has a unique IBAN and a linked C3Pay Card (prepaid);
Your Account allows You to transfer Your funds as follows: domestic and international, subject to the applicable charges set out in Schedule 2;
You Account upon creation enrolls (with Your consent) You on Aani, enabling You to send and receive money domestically using a mobile number, subject to the applicable charges and limits set out in Schedule 2;
Your Account allows You to pay bills (excluding mobile recharge);
Your Account entitles You to 24/7 access to in-app customer support and access to Our call centre (9am-5pm UAE time);
Your Account does not offer/support cheque books; and
Your Account does not permit and offer/support cash deposits.

7.3.

Money Transfer:

You may send or receive money to and from another person inside the UAE using their UAE mobile number through the C3Pay App. Depending on whether the sender or recipient holds an active C3Pay Universal account or is registered on Aani, We will automatically route the transfer over the applicable rail, subject to the fees, minimum transfer amounts, and transaction and monthly limits set out in Schedule 2, and Aani applicable requirements and fees where mentioned, including but not limited to these Terms, Clause 7.5 and Schedule 2.

7.4.

International Money Transfer:

You may send money outside the UAE through the C3Pay App powered by the Bank’s international remittance service, and provided through Our partnership with the Bank, subject to the fees set out in Schedule 2, applicable transaction and monthly limits, and the Bank’s international remittance terms (available here) . International Money Transfer may not be made available to certain Users in accordance with the applicable regulatory guidance, CBUAE rules and regulations or if a User is found to be non compliant with these Terms.

7.5.

Aani

7.5.1.

Aani is offered through the Bank and allows You to send and receive payments instantly. Aani is an instant payment platform, operated by Etihad Payments, a Central Bank of the UAE subsidiary, which allows digital payments to be executed instantly to anyone on a 24×7 basis. Aani allows You to instantly send or receive money to or from bank accounts in the UAE using a mobile number (without the need to exchange bank account numbers or IBANs), provided that both You and the recipient are enrolled for this service with a participating bank or Licensed Financial Institutions. Aani enables domestic transfers exclusively between accounts held at Licensed Financial Institutions or payment service providers in the UAE, in UAE Dirhams, and ensures that payments are executed securely.

7.5.2.

Once Your IBAN has been created, You will be enrolled on Aani using Your registered mobile number. By accepting these Terms, You consent to this enrolment, these Aani terms, and any applicable Aani terms and conditions issued by the Central Bank of the UAE. Once enrolled, Your C3Pay Universal Account will be set as Your default Aani account. Aani is a platform operated by the Central Bank of the UAE; neither We nor the Bank are responsible or liable for the availability or performance of the Aani instant payment scheme itself.

7.5.3.

Aani may be used for sending and receiving payments within the UAE and is subject to the fees and charges set out in Schedule 2. Aani transfers are subject to daily and monthly limits as notified by Aani, the Bank and/or Us from time to time, as set out in Schedule 2.

7.5.4.

Payments made using Aani are instantaneous. This means that once You submit a payment instruction, it cannot be revoked or recalled, unless otherwise permitted under applicable rules or regulations. You should ensure that the correct beneficiary or contact is selected, and should check the genuineness of any payment request and the requester's transaction history, before initiating a payment.

7.5.5.

Where a payment fails or is rejected for any reason, the amount will be reversed to Your Account within the timeline stipulated under the applicable Aani rules or regulations.

7.5.6.

All Aani payments are sent entirely at Your own risk. As part of Our and the Bank's regulatory obligations, all Aani payments are screened by the Bank to confirm that they do not breach any local or international regulation, including restrictions relating to sanctioned or restricted beneficiaries.

7.5.7.

By using Aani, You consent to Us and the Bank sharing the information and transaction details necessary to process Your instruction with Aani and, where required, the beneficiary's bank or payment service provider.

7.5.8.

By initiating an Aani payment instruction, You authorise Us and the Bank to debit the relevant amount from Your Account. We and the Bank reserve the right not to execute an Aani payment instruction where there is insufficient balance in Your Account.

7.5.9.

Inbound Aani credits are passive: You do not need to take any action to receive funds, and You will receive a notification when a credit is received (NOTE – You will not be able to receive funds if Your C3Pay Account already holds a balance of AED 200,000 or Your C3Pay Account will end up with a balance above AED 200,000 as a result of the inbound Aani credit).

7.5.10.

If You update or remove Your registered mobile number, You consent to authorize us to automatically re-register You on Aani using Your new number.

7.5.11.

The terms and conditions applicable to Aani may change from time to time, in line with changes made by the Central Bank of the UAE, the Bank, or Us. Where any such change affects You, We will notify You in accordance with Clause 16 (Changes to these Terms).

7.6.

Bill Payments:

7.7.

You may pay bills to participating billers using your Universal Account through the C3Pay App, excluding mobile recharge. Bill payment is available to all Users, although fees may apply per transaction or per biller/corridor as set out in Schedule 2.

7.8.

We reserve the right to update the features of the C3Pay Universal Account from time to time, with prior written notice to You as prescribed under Applicable Law.

8.C3Pay Card Use and Security#

8.1.

Your C3Pay Card remains Our property (or the property of the Bank, as applicable) and must be used only by You, in accordance with these Terms and any instructions We provide.

8.2.

You must keep Your C3Pay Card and PIN secure at all times and must not share Your PIN, login credentials or one-time passwords with anyone, including Edenred or Bank staff.

8.3.

If Your C3Pay Card is lost, stolen, or You suspect unauthorised use, You must notify Us immediately through the C3Pay App, You must manually block Your C3Pay Card within the C3Pay App, or inform Our customer support channels to assist You accordingly. We will also support You the extent reasonably possible with the necessary steps in the event of any unauthorised use of Your funds in accordance with our internal policies, the Card Association/Scheme Rules, CBUAE rules and regulations and all other applicable laws in the UAE.

8.4.

You may request a replacement of Your C3Pay Card at any time through the C3Pay App. Your Employer cannot initiate, block, or otherwise control the replacement, renewal, or closure of Your C3Pay Card or Account.

8.5.

Replacement of Your C3Pay Card may be subject to a fee, as set out in Schedule 2.

8.6.

Renewal of Your C3Pay Card will be initiated by Us (subject to the delivery fee set out in Schedule 2), one month prior to the expiry date of the C3Pay Card issued to You (subject to any changes or earlier renewals which may require Us to issue You a new C3Pay Card at Our sole discretion).

8.7.

We may block or suspend Your C3Pay Card where We reasonably suspect fraud, unauthorised use, or a breach of these Terms, or where required under Applicable Law.

9.Inactive C3Pay Card, Dormant C3Pay Account and Unclaimed Balances#

9.1.

If there is no financial and/or non-financial activity on Your Account for 6 consecutive months, Your Account will become inactive (“Inactive Account”). While Your Account is classified as an Inactive Account, You may still receive salary and other credits, send and receive local transfers, and use Your C3Pay Account, C3Pay Card and the C3Pay App, but a monthly inactivity fee (as set out in Schedule 2) will apply up until Your Account is classified to be dormant (as described in Clause 9.2), where Your Account holds a positive balance. Any inbound or outbound financial activity (excluding monthly inactivity fee payments and international transfers) and/or any non financial activity within the C3Pay App, will return Your Account to an active status.

9.2.

If Your Account remains without financial activity/inactive and is classified as an Inactive Account for 3 consecutive years, Your Account will then become dormant (“Dormant Account”) and We may close Your Account. Prior to closure, We will notify You periodically (at least every 3 months during the period Your Account is an Inactive Account) of Your available balance and the timeline for closure.

9.3.

Any balance remaining in Your Account at the point of closure due to dormancy will be dealt with in accordance with the CBUAE Dormant Accounts and Unclaimed Funds Regulation.

9.4.

You may reactivate an Inactive Account at any time by carrying out a transaction on it or by contacting Our customer support team.

10.Data Protection and Privacy#

10.1.

Definitions:

In this Clause,

“Applicable Data Protection Law” means Federal Decree-Law No. (45) of 2021 on the Protection of Personal Data (the “PDPL”), its Executive Regulations, any guidance issued by the UAE Data Office, the CBUAE's Stored Value Facilities Regulation insofar as it imposes data protection obligations, and any other applicable law relating to the processing of Personal Data in the UAE; “Controller” and “Processor” have the meanings given under the PDPL;

“Data Subject” means any identified or identifiable natural person whose Personal Data is processed by or on behalf of Edenred; and

“Personal Data” means any data relating to an identified or identifiable natural person, including Sensitive Personal Data and Biometric Data as defined under the PDPL.

10.2.

Edenred is the Controller in respect of the Personal Data it collects and processes in connection with the provision of the Account and the C3Pay App. Where Edenred engages third-party Processors, it will ensure that such Processors implement appropriate technical and organisational measures and process Personal Data solely in accordance with Edenred's instructions.

10.3.

Lawful Bases and Purposes: Edenred processes Personal Data on the lawful bases of consent, performance of a contract, compliance with a legal obligation (including KYC and AML/CFT requirements), and the establishment, exercise or defence of legal claims. Edenred processes Personal Data for purposes including onboarding and KYC checks, providing and administering Your Account and C3Pay Card, preventing and detecting fraud and financial crime, complying with Applicable Law and CBUAE requirements, and communicating with You about Your Account.

10.4.

Data Subject Rights: Subject to Applicable Data Protection Law, You have the right to obtain information about how Your Personal Data is processed, to access a copy of Your Personal Data, to request correction of inaccurate data, to request erasure or restriction of processing in certain circumstances, to receive Your data in a portable format, to object to processing (including for direct marketing), and to object to decisions based solely on automated processing. You may exercise these rights by contacting Our Data Protection Department using the details in Clause 10.7.

10.5.

Retention: Edenred retains C3Pay Universal Account and transaction records for a minimum of 5 years from the date of creation of the Cardholder’s record within the UAE, or such longer period as required under Applicable Law, after which Personal Data will be securely deleted or anonymised.

10.6.

Cross-Border Transfers: Edenred stores and processes Personal Data within the UAE. Where it is necessary to transfer Personal Data outside the UAE, Edenred will only do so in compliance with the PDPL and CBUAE requirements, including where the receiving country provides an adequate level of protection, where appropriate contractual safeguards are in place, or where You have given explicit consent to the transfer.

10.7.

Complaints and Data Protection Department: Edenred has a Data Protection Department overseeing compliance with Applicable Data Protection Law and to receive requests and complaints relating to Personal Data. You may contact the following address to exercise Your rights or raise complaints Data Protection Department at: Edenred Prepaid Cards Management Services LLC, Single Business Tower, Business Bay, Dubai, United Arab Emirates, Email: eae.dpo@edenred.com or by completing the following form: https://privacyportal-de.onetrust.com/webform/3eee82c0-9eb6-4614-b723-8d597fdcce8d/166a3fa5-fa21-4e8d-adb0-096985ccaec2. If You believe Edenred has processed Your Personal Data in violation of Applicable Data Protection Law, You have the right to submit a complaint directly to the CBUAE.

10.8.

Security: Edenred implements appropriate technical and organisational measures to protect Personal Data against unauthorised or unlawful access, loss, or damage. In the event of a data breach, Edenred will notify the CBUAE and affected Data Subjects within the timeframes prescribed under Applicable Data Protection Law.

10.9.

This Clause should be read together with Edenred's Privacy Policy, available on Edenred's website and the C3Pay App, which provides further detail on Edenred's data processing practices. In the event of any conflict between this Clause and the Privacy Policy, this Clause will prevail.

11.Communications, Notices and Marketing Preferences#

11.1.

Communication Channels: We may communicate with You through the C3Pay App, SMS, email, push notification, telephone or postal mail, using the contact details You have registered with Us. It is Your responsibility to keep Your registered mobile number and email address up to date through the C3Pay App.

11.2.

Language: In accordance with Clause 1.8, the C3Pay App interface will be made available to You in Arabic, English, Hindi and Urdu.

11.3.

Service Communications: We will send You service communications relating to Your Account, including transaction notifications, security alerts, and notices required under Clause 16 (Changes to these Terms) and Clause 15 (Suspension, Termination and Closure of Your Account). You cannot opt out of service communications that are necessary for the operation of Your Account, C3Pay Card or the C3Pay App.

11.4.

Marketing Preferences: Where We send You marketing communications about products or services that You may be interested in, You may manage Your marketing preferences or unsubscribe at any time through the C3Pay App, by using the unsubscribe mechanism in the relevant communication, or by contacting customer support as set out in Clause 12. Opting out of marketing communications will not affect Your receipt of service communications.

11.5.

Notices to Us: Unless these Terms specify otherwise, any notice You wish to give Us under these Terms should be given through the C3Pay App or the customer support channels set out in Clause 12.

12.Complaints, Support and Dispute Resolution#

12.1.

How to Contact Us: You may contact Our customer support team at any time, 24/7, through the C3Pay App under the “Help” or “Support” section, or by calling the customer support team on +971600567772 (available 9am-5pm UAE time), for any query, request or complaint relating to Your Account, C3Pay Card, or the C3Pay App.

12.2.

Complaint Handling: We maintain clear and accessible complaint-handling procedures in accordance with the CBUAE's Consumer Protection Regulation and Standards. When You submit a complaint, We will acknowledge receipt within a reasonable timeframe and use reasonable endeavours to investigate and resolve Your complaint promptly and fairly.

12.3.

Escalation: If You are not satisfied with the outcome of Your complaint, You may request that it be escalated to a more senior member of Our team. If, after exhausting Our internal complaints process, You remain dissatisfied, You may refer Your complaint to the CBUAE Consumer Protection Unit at www.cbuae.gov.ae or www.sanadak.gov.ae or pursue any other remedy available to You under Applicable Law, including under Clause 17 (Governing Law and Dispute Resolution).

12.4.

Fund Recovery Claims: Where Your complaint concerns the recovery of funds held on Your Account, please note that, as set out in Clause 1.7, Your funds are held by the Bank as Issuer and fund-holder, and Your right to recover such funds is a claim against the Bank as Issuer. We will support You operationally in raising and progressing any such claim.

13.Service Interruptions#

13.1.

Planned Maintenance: We will use reasonable endeavours to give You advance notice through the C3Pay App or Our other communication channels where We plan to suspend or restrict access to the C3Pay App for maintenance or upgrade purposes.

13.2.

Unplanned Interruptions: The C3Pay App, Your Account, and Your C3Pay Card may occasionally be unavailable or interrupted due to technical failure, system maintenance, or issues affecting Us, the Bank, Aani, or another third-party service provider involved in the provision of the Account. We will use reasonable endeavours to restore affected services as soon as reasonably possible and to keep You informed of any material or prolonged interruption.

13.3.

Events Beyond Our Control: We will not be responsible for any delay or failure to perform Our obligations under these Terms to the extent that such delay or failure results from a cause beyond Our reasonable control, including power or telecommunications failures, acts of government or regulatory authorities, industrial action, or the acts or omissions of the Bank or another third-party service provider.

14.Limitation of Liability#

14.1.

Allocation of Responsibility: As set out in Clause 1.6, Edenred and the Bank each have distinct regulatory responsibilities in connection with Your Universal Account and C3Pay Card. Our liability under these Terms is limited to matters within Our control as the Programme Manager, being App operations, CBUAE universal account compliance, consumer protection compliance, data protection, and customer-facing service delivery. Matters relating to fund safeguarding, card issuance, money transfer, CBUAE universal account compliance and banking regulatory obligations are the responsibility of the Bank as Issuer.

14.2.

Our Liability: Subject to Clause 14.1 and to the extent permitted by Applicable Law, Edenred does not guarantee that operation of the App or system will be uninterrupted or error-free and shall not be liable for any loss or damages claimed by You arising from any such interruption where such interruption arises due to circumstances beyond Edenred’s reasonable control.

14.3.

Where Edenred becomes liable to You for loss or damage as a result of Edenred's breach of any provision of these Terms, Edenred's liability shall be limited to the amount of the transaction charges applied to the affected transaction(s), unless Edenred committed fraud, misrepresentation, negligence or misconduct. This limitation does not affect any separate liability of the Bank, as Issuer and fund-holder, to You in respect of Your funds. Any claim against Edenred must be brought within the period prescribed by applicable UAE law. Any unintentional and minor errors in Edenred's communications with You, whether via the App, Edenred's website, or other channels, shall be corrected without liability on Edenred's part, and any such error shall be rectified by Edenred promptly upon discovery.

14.4.

You shall be solely responsible for any losses, liabilities, fines, penalties, bank charges, legal costs, or other financial liability incurred by Edenred and/or the Bank directly or indirectly arising from:

(a)

any unauthorized use of Your Card, Account or login credentials resulting from Your negligence, including failure to safeguard Your Card, PIN, password or other security details;

(b)

any fraudulent, unlawful or unauthorized instruction given by You or on Your behalf; or

(c)

any breach by You of these Terms.

15.Suspension, Termination and Closure of Your Account#

15.1.

Closure by Us

15.2.

We may close Your Account in the following circumstances, consistent with the CBUAE's Universal Account Guidance: (a) You have submitted false or misleading information to Us; (b) You hold, or subsequently open, another current or savings account with another Licensed Financial Institution in the UAE in addition to Your C3Pay Universal Account; or (c) You fail to comply with any of the obligations in these Terms.

15.3.

Before closing Your Account under Clause 15.2, We will notify You that We intend to close Your Account and where permitted under the applicable laws, the reason for doing so, and will give You a reasonable period to raise any objection before closure takes effect, save where We are required to act more urgently under Applicable Law or a formal direction from the CBUAE or another competent authority.

15.4.

We may also suspend or block Your Account or C3Pay Card immediately, without prior notice, where We are required to do so under Applicable Law or upon a formal request from the CBUAE or any other relevant authority, as set out in the Warning box in Clause 2.

15.5.

Closure by You

15.6.

You may request the closure of Your Account at any time by contacting Our customer support team as set out in Clause 12. In order to close Your Account, all of the following conditions need to be satisfied by You:

15.6.1.

Your Account balance must be AED zero (0);

15.6.2.

All outstanding balances or fees must be settled in complete; and

15.6.3.

Satisfy any other reasonable conditions We may disclose to You.

15.7.

Inactivity, Dormancy and System Closure

15.8.

Inactivity, dormancy and system closure of Your Account are addressed in Clause 9.

15.9.

Termination by Your Employer

15.10.

If Your employment with an Employer ends, this will not, of itself, result in the suspension, closure or termination of Your Account, C3Pay Card or C3Pay App access, in accordance with Clause 1.5.

16.Changes to these Terms#

16.1.

We may amend these Terms from time to time, including to reflect changes in Applicable Law, changes to Our products and services, or changes to Our business practices.

16.2.

We will give You reasonable prior written notice of 60 days before any material amendment to these Terms through the C3Pay App or Our other communication channels, as prescribed under Applicable Law, before the amendment takes effect.

16.3.

Where an amendment (i) updates, develops, or improves the App, Your Account, or the Card, or (ii) is made for a reason beyond Our reasonable control (including a change required to comply with Applicable Law or a requirement of the Bank or a Card Association/Scheme), Your continued use of the App, Your Account, or Your Card after the effective date of the amendment will constitute Your acceptance of it. If You do not agree to such an amendment, You may close Your Account in accordance with Clause 15, prior to the effective date, without penalty.

16.4.

For any amendment that does not fall within Clause 16.3 (including, without limitation, an amendment that introduces a new fee, reduces Your rights, or increases Your liability), We will seek Your explicit consent before the amendment takes effect and/or send You a 60 calendar days notice, where applicable. If You do not provide Your explicit consent We will be unable to continue providing the App, Your Account, or the Card to You on the existing basis as a result, We may terminate these Terms and close Your Account in accordance with Clause 15, subject to any notice period required by Applicable Law.

16.5.

Nothing in this Clause 16.5, limits Our right to suspend or block Your Account or Card on other grounds permitted under these Terms (for example, for security, fraud-prevention, or legal or regulatory compliance reasons unrelated to Your consent decision).

17.Governing Law and Dispute Resolution#

17.1.

These Terms are governed by, and shall be construed in accordance with, the federal laws of the United Arab Emirates, including the regulations, notices and guidance issued by the CBUAE.

17.2.

Any dispute arising out of or in connection with these Terms that cannot be resolved through Our complaints process under Clause 12 shall be subject to the exclusive jurisdiction of the competent courts of the United Arab Emirates, without prejudice to any right You may have to refer a complaint to the CBUAE or to any other competent regulatory authority.

17.3.

Arbitration (commercial disputes only):

If a dispute cannot be resolved through the above steps, either party may refer it to arbitration under the Rules of the Dubai International Arbitration Centre (DIAC). The seat of arbitration shall be Dubai, UAE. The language shall be English. For claims where the amount in dispute is AED 50,000 or less, the dispute shall be resolved by a sole arbitrator. For claims exceeding AED 50,000, the dispute shall be resolved by three (3) arbitrators. Nothing in this Clause 17.3 prevents either party from seeking interim, injunctive, or conservatory relief from the Dubai Courts where appropriate.

18.Our Rights#

18.1.

In addition to Our other rights under these Terms, We are entitled, in Our sole discretion, to suspend, freeze, block or decline to process (as applicable) Your Account, Your C3Pay Card, monies in Your Account, or any transaction or instruction, if:

(a)

You have breached these Terms;

(b)

We receive written confirmation or other evidence to Our satisfaction of Your death or legal incapacity, until the relevant court appoints Your legal successor;

(c)

We receive an order to suspend, freeze, block or place a hold on Your Account or C3Pay Card from a court or other regulatory authority having jurisdiction over Us, including the CBUAE;

(d)

We believe that funds in Your Account have been obtained through unlawful means, or that Your Account or C3Pay Card is being used to carry out suspicious transactions. In such a case, We may require You to provide any documentation necessary to verify that the transaction in question is lawful;

(e)

We believe that You are no longer a legal resident of the UAE, or that You are likely to permanently leave the UAE;

(f)

We believe You have misused Your Account, C3Pay Card or the C3Pay App, or have acted in a manner contrary to these Terms;

(g)

You no longer meet the Eligibility Criteria set out in Clause 4.3, including where Your salary transfers from an Employer cease and We believe You are likely to lose Your primary source of income;

(h)

You do not comply with any of Our reasonable requests, including requests for information or documentation;

(i)

We are required to do so under Our policies or Applicable Law; or

(j)

We are required to do so upon a formal request from the CBUAE or any other relevant authority.

18.2.

Where this happens, We will notify You where this is possible or required under Applicable Law, in accordance with Clause 15.2. Any loss caused to You as a result of Your Account or C3Pay Card being suspended, frozen, blocked or put on hold in accordance with this Clause will not be Our responsibility, except to the extent caused by Our fraud, wilful misconduct, or negligence.

19.Death and Incapacity#

19.1.

Unless stated otherwise in these Terms, Our relationship with You will continue in the event of Your death or legal incapacity, subject to Applicable Law. We must be notified of Your death or legal incapacity immediately.

19.2.

Upon being notified of Your death or legal incapacity, We must act in accordance with Applicable Law, and We are entitled to:

(a)

exercise Our rights under these Terms; and/or

(b)

block or freeze Your Account, from the date of notification until We receive an order from a competent court or authority having jurisdiction over Us.

19.3.

While Your Account is blocked or frozen under this Clause, We will block Your C3Pay Card, and will freeze Your Account which will not allow any new incoming or outgoing funds and or transactions.

19.4.

We will require Your family member, next of kin or anyone with a validly attested power of attorney on Your behalf to provide Your death certificate.

19.5.

Once a valid death certificate is provided We will proceed with Your Account closure and the transfer of Your funds as directed by the courts or applicable laws.

19.6.

In the event no beneficiaries are identified on Your behalf after Your death, Your Account will enter a dormant state, and 3 years after entering the dormant state Your funds will be transferred to the Bank, and 5 years after entering the dormant state Your funds will be transferred by the Bank to CBUAE.

20.Software#

20.1.

To enable You to use the C3Pay App and the Services, We grant You a non-exclusive, non-transferable right to use the C3Pay App and any related software or electronic platform We offer, provided that You: (a) do not sub-license, copy, disclose or amend the C3Pay App or any such software; and (b) use it only to access and use Your Account, C3Pay Card and the Services. We are not responsible for any errors, data loss or delay caused by tampering with, or corruption of, the C3Pay App or such software by You or a third party. You will indemnify Us against any claim, financial or otherwise, for infringement of a patent, design, trade mark or copyright which We may incur as a result of Your use of the C3Pay App or such software other than in accordance with these Terms.

21.Intellectual Property#

21.1.

You understand and accept that any information, publications, marketing materials, software or other materials contained in or relating to Your Account, C3Pay Card, the C3Pay App or any Service are Our property (or the property of Our licensors). You agree that You will not reproduce, adapt, reverse engineer, decompile, modify, distribute, display, transmit or otherwise exploit any such material, in whole or in part, or permit any other person to do so, or allow any other person access to such material, without Our prior written permission.

22.Assignment#

22.1.

We do not need to obtain Your consent to transfer any of our rights or obligations (in whole or in part) in relation to any Account, services or products we offer or may offer in the future, these Terms and any third party at any time. If We require You to sign or enter into any agreement or acknowledgement to allow us to effect any such transfer, assignment or novation, then You agree to sign or enter into such agreement or acknowledgement in order to continue Your use of Our services and/or products, including but not limited to the C3Pay Universal Account, C3Pay App, C3Pay Card and any third party services or products. If You do not agree to this You may reach out to customer support and request closure of Your Account.

23.Indemnity#

23.1.

Edenred and/or the Bank shall not be liable to You in respect of any dispute between You and a merchant, including, without limitation, any claim or dispute regarding the exchange or return of goods or services purchased using Your Card.

23.2.

Edenred and/or the Bank shall not be liable to You in relation to the failure of a merchant to process, or a delay in processing, an electronic commerce transaction initiated by You.

23.3.

You shall reimburse Edenred and/or the Bank, in a timely manner, either during the term of these Terms or after their termination, for any amount disputed or charged back in connection with a Transaction made using Your Card, where such dispute or chargeback arises from Your own negligence, unauthorized use permitted by Your fault, or fraud on Your part, for a period of 36 months from the date of the relevant electronic commerce transaction.

23.4.

You shall indemnify and hold Edenred and/or the Bank and their respective directors, officers, employees and agents harmless from and against any and all loss, liability, cost, damage and expense (including reasonable legal and accounting fees) which Edenred, the Bank or their directors, officers, employees or agents may incur in connection with:

(a)

any act or omission of Yours which damages the brand image or reputation of Edenred, the Bank or a Card Association/Scheme;

(b)

any breach of Your obligations under these Terms;

(c)

any claims arising from or as a result of Your willful misconduct or negligent acts or omissions in Your use of the Card, the App or the system; and

(d)

any claims by third parties relating to Edenred's or the Bank's reliance on information You provided in connection with Your Account, a transaction, or payment details.

23.5.

You agree to keep Your Card, PIN, password and other security credentials secure at all times and to notify Edenred immediately upon becoming aware of any loss, theft or unauthorized use of Your Card or Account. Your liability for losses arising before such notification shall be determined in accordance with applicable UAE law and any applicable liability limits for unauthorized transactions.

23.6.

You agree to release, hold harmless and indemnify Edenred, the Bank and any Card Association/Scheme, to the maximum extent permitted by law, from and against any liability whatsoever (including loss of profits, loss of revenue, loss of data, loss of opportunity, and all forms of economic loss) arising in connection with Your use, misuse or unauthorized use of the App, system, software, documentation or processing services made available to You.

23.7.

You agree to reimburse Edenred and/or the Bank for any chargeback amounts, and to hold them harmless from and against any claims, damages, losses, liabilities, costs and expenses of any kind, arising directly or indirectly from transactions made using Your Card where the underlying dispute, chargeback or loss results from Your negligence, unauthorized disclosure of Your security credentials, or fraud on Your part.

24.Taxes#

24.1.

You acknowledge and accept that You are are solely responsible for all Your tax matters and obligations. All amounts expressed to be paid by You are exclusive of any applicable taxes (including but not limited to value added tax (or any equivalent tax) unless it is expressly provided to the contrary. We are authorised to debit Your Account with Us, or otherwise withhold, the amount of any applicable taxes required to be charged or withheld by Us. We will be entitled to debit Your Account for any applicable taxes that are paid by Us on Your behalf and You must promptly reimburse us for such payment. You understand that we may be required by law or by agreement with applicable tax authorities, to report certain information about You and Your relationship with us, including information about Your Account and other Services provided by Us to You: (i) to the tax authorities in the United Arab Emirates, which may then pass that information to the tax authorities in another country where You may be subject to tax; or (ii) directly to the tax authorities in Your country of nationality or alternative residence or other countries where we reasonably determine or we are required to presume You are subject to tax.

Schedule 1 – Key Facts Statements#

This Schedule 1 sets out the Key Facts Statement for each of the following: the C3Pay Universal Account, Aani, Money Transfer (local), Money Transfer (international), and Bill Payments (excluding mobile recharge). Each Key Facts Statement is presented in plain language, in the 4 languages referred to in Clause 1.8, and includes the product/service name and provider, key features, fees and charges, eligibility, risk warnings (including any costs that are non-refundable or deductible during the Cooling-off Period under Clause 6), cooling-off rights, and how to complain.

1.C3Pay Universal Account

Features	C3Pay Universal Account
Description	A basic, digitally accessible current account that meets Your everyday banking needs. You can receive Your salary, send and receive money (send and receive locally and only send internationally), pay bills, and use a linked prepaid card.
Unique feature	No minimum balance requirement and no interest/profit charged. Designed for individuals earning AED 5,000/month or less. Minimum Account Balance: N/A Maximum Account Balance: AED 200,000
Fees/Charges	Please refer to the fees and charges table in Schedule 2, including the monthly inactivity fee applicable after 6 months of dormancy (Clause 9).
Currencies	AED only.
Eligibility	UAE legal residents employed by an Employer that is a Client of Edenred. Total monthly income of AED 5,000 or lower Self-declaration that You do not hold any other active current or savings account with another bank or Licensed Financial Institution in the UAE (Clause 4.3). No minimum average balance requirement.
Prepaid card / Chequebook	Prepaid card: Yes, issued free of charge, subject to Your consent (Clause 8). Chequebook: Not offered
Cash withdrawal / deposit	Cash withdrawal: unlimited free withdrawals per month at Edenred and Rakbank ATMs; fees apply at other ATMs, as set out in Schedule 2. Balance enquiry: always free of charge (except where You check Your balance at a non Edenred/Rakbank ATMs). Cash deposits: not supported or offered. International fund inward transfers: not offered.
Maximum allowed accounts / E-statement	One C3Pay Universal Account per individual (Clause 4). E-statement: You will be provided a free unstamped soft copy of Your Account statement each month within the C3Pay App. You may also at any time free of charge view unstamped soft copy versions of Your account statements through the C3Pay App up to the last 6 months from the date of Your request. Hard and soft stamped copies are subject to the fees set out in Schedule 2.

2.Aani (via Rakbank)

Features	Aani
Description	An instant payment platform, provided by the Central Bank of the UAE, that lets You send and receive money domestically using Your mobile number, 24×7, without exchanging bank account numbers or IBANs.
Unique feature	Instant, 24×7 execution between accounts held at Licensed Financial Institutions or payment service providers in the UAE.
Fees/Charges	Please refer to the fees and charges table in Schedule 2.
Currencies	AED only.
Eligibility	Automatic enrolment on Aani using Your registered mobile number once Your IBAN has been created (Clause 7.5).
Limits	Please check within the C3Pay App for the limits applicable to You. NOTE: Aani transfers are subject to daily and monthly limits as notified by Aani, the Bank and/or Us from time to time and are subject to change with or without prior written notice to You. Please check within the C3Pay App for the latest limits applicable to You.
Key risk warning	Aani payments are instantaneous. Once You submit a payment instruction, it cannot be revoked or recalled, unless otherwise permitted under applicable rules or regulations. All Aani payments are sent entirely at Your own risk (Clause 7.5).

3.Local Money Transfer (C3Pay Account to C3Pay Account ONLY)

Features	Money Transfer (Local)
Description	Send or receive money to and from another person inside the UAE using their UAE mobile number through the C3Pay App. We automatically route Your transfer over the C3Pay to C3Pay rail or the Aani network, depending on the recipient.
Unique feature	A single “Send Money” journey covering C3Pay to C3Pay transfers.
Fees/Charges	Please refer to the fees and charges table in Schedule 2.
Eligibility	Available to all C3Pay Universal Account holders, subject to identity verification where required.
Limits	Please check within the C3Pay App for the limits applicable to You.
Key risk warning	The transfer cannot be completed if the recipient's number is not linked to an active C3Pay account or to a valid Aani registered account. Transfers are subject to minimum amounts and transaction/monthly limits, as set out in Schedule 2 (Clause 7.3).

4.International Money Transfer (via Rakbank)

Features	Money Transfer (International)
Description	Send money outside the UAE through the C3Pay App via Our international remittance service, provided through Our partnership with Rakbank. Inward money remittances from outside the UAE to Your C3Pay Account are not supported.
Unique feature	Access to international remittance directly from Your C3Pay Universal Account, without needing a separate product.
Fees/Charges	Please refer to the fees and charges table in Schedule 2.
Eligibility	Available once Your remitter profile has been approved by Rakbank.
Key risk warning	If Your remitter profile is not approved by Rakbank due to regulatory reasons, You will retain Your C3Pay Universal Account, but international transfer functionality will not be enabled on it. Transfers are subject to transaction/monthly limits set out in Schedule 2 (Clause 7.4).

5.Bill Payments

Features	Bill Payments
Description	Pay bills to participating billers through the C3Pay App.
Fees/Charges	Available to all Users at no additional subscription fee. Transaction or per-biller/corridor fees may apply as set out in the C3Pay App (subject to rates change based on the service providers discretion).
Eligibility	Available to all C3Pay Universal Account holders.
Key risk warning	Mobile recharge is excluded from this service (Clause 7.6).

6.Your Obligations Summarised

Responsibility	Failing which
Keep Your C3Pay Card, PIN, login credentials and one-time passwords secure at all times (Clause 8.2).	Your Account or Card may be misused by fraudsters if Your credentials are compromised.
Review Your Account balance, transaction history and notifications promptly (Clause 7).	You may not identify unauthorised transactions in time; disputing charges long after they occur can be difficult and may be declined.
Keep Us informed of any change in Your mobile number, email address, Emirates ID, passport or employment details (Clauses 7 and 11).	We may be unable to process transactions, verify Your eligibility, or contact You when needed.
Ensure correct beneficiary details are used before sending a Money Transfer or Aani payment (Clauses 7.3 and 7.5).	Aani and Money Transfer payments are instantaneous and cannot be revoked or recalled once submitted.
Ensure You continue to meet the eligibility criteria for a C3Pay Universal Account (Clause 4.3).	We may not be able to keep Your C3Pay Universal Account open, or may take the actions described in the Warning box in Clause 2 and Clause 15.
Read and understand these Terms, including the Warning box, before selecting “I Accept” (Clause 5).	You may miss important aspects of the Account, Card or a any value added services which could affect Your experience.
Notify Us immediately if Your C3Pay Card, PIN or login credentials are lost, stolen, or used without Your authorisation (Clause 8.3).	You may be liable for losses arising from unauthorised use before You notify Us.

Schedule 2 – Schedule of Fees#

UA Fees & Charges Reference

Product / Category	Edenred Fee / Amount (AED)	Fee Type	Key Notes
CARD SERVICES
Cash withdrawal — C3Pay ATMs	Free	Free
Cash withdrawal — any UAE ATM	AED 2.10 / withdrawal	Fixed	Non-Rakbank/non-Edenred ATMs
Balance enquiry — C3Pay ATM / call centre	Free	Free
Balance enquiry — any UAE ATM	AED2,00 (Incl. VAT)	Fixed
Balance enquiry — app	Free	Free
Purchases at UAE shops (POS)	Free	Free
Purchases online in UAE	Free	Free
Mobile app download	Free	Free
Card renewal fee	Free	Free
Card delivery fee (only for C3Pay Card renewal)	AED6.30 (Incl. VAT)	Fixed
Wallet Load / Quasi Cash transaction	AED5.25 (Incl. VAT)	Fixed
Card re-issuance/replacement (lost/stolen/damaged)	AED26.25 (Incl. VAT)	Fixed
DECLINED TRANSACTIONS
Declined ATM withdrawal — UAE	AED 2.00 / attempt	Fixed	Non-Rakbank/non-Edenred ATMs
Declined POS/online purchase — UAE	Free	Free
INTERNATIONAL CARD USAGE
ATM withdrawal abroad	AED 20 + 3% of amount	Fixed + %
POS/online purchase abroad	3% of amount	%
Declined purchase/ATM abroad	AED 5.00	Fixed
Balance enquiry at ATM abroad	AED 5.00	Fixed
Account Fees
Inactivity Fee	AED 2.10/month (Incl. VAT)	Fixed	Applied on account-holders with no financial activity for >6 months
UNIVERSAL ACCOUNTS
Universal Account Maintenance Fee	Up to AED 2.00 / month (Incl. VAT)	Fixed
BILL PAYMENTS — LOCAL UAE
All UAE bills	AED 2.5 (Incl. VAT)	Fixed
BILL PAYMENTS — INTERNATIONAL
All-country utility bill payments	Variable (available in App)	Variable (available in App)	The fee is displayed in the summary screen.
ACCOUNT STATEMENT
Unstamped soft copy	Free	Free
Stamped Soft Copy	AED 26.25 (Incl. VAT)	Fixed
Hard copy	AED 50 (excluding VAT)	Fixed
Local Transfer
C3Pay to C3Pay (outbound)	AED 1.05 per transaction (Incl. VAT)	Fixed
Aani Transfer (outbound)	AED 2.1 per transaction (Incl. VAT)	Fixed
C3Pay to C3Pay (inbound)	Free	Fixed
Aani Transfer (inbound)	Free	Fixed

International Money Transfer

Money Transfer — Full Corridor Fee Table (All fees inclusive of 5% VAT)

Money Transfer — Full Corridor Fee Table (All fees inclusive of 5% VAT)
Country	Transfer Method (transfer methods are subject to change at Edenred’s sole discretion without prior notice to You in accordance with the Applicable Laws)	Amount Band (AED)	Fee (AED, incl. VAT)
Bangladesh	Bank Transfer	Any	15.00
Bangladesh	Wallet	Any	21.00
Bangladesh	Cash Pickup	Any	26.25
Cameroon	Wallet	Any	15.75
Egypt	Bank Transfer	Any	15.75
Egypt	Cash Pickup	Any	26.25
Ethiopia	Bank Transfer	Any	21.00
Ghana	Wallet	Any	21.00
Ghana	Cash Pickup	Any	31.50
India	Bank Transfer	25 – 500	7.35
India	Bank Transfer	500.01 – 1,000	15.75
India	Bank Transfer	1,000.01+	21.00
India	Cash Pickup	Any	26.25
Indonesia	Bank Transfer	Any	21.00
Kenya	Bank Transfer	Any	15.75
Kenya	Wallet	Any	15.75
Kenya	Cash Pickup	Any	26.25
Morocco	Cash Pickup	Any	31.50
Nepal	Bank Transfer	Any	10.00
Nepal	Wallet	Any	10.00
Nepal	Cash Pickup	Any	10.00
Nigeria	Bank Transfer	Any	15.75
Pakistan	Bank Transfer	0 – 734.99	6.00
Pakistan	Bank Transfer	735+	Free
Pakistan	Wallet	0 – 734.99	6.00
Pakistan	Wallet	735+	Free
Pakistan	Cash Pickup	0 – 734.99	6.00
Pakistan	Cash Pickup	735+	Free
Philippines	Bank Transfer	25 – 2,000	15.00
Philippines	Bank Transfer	2,000.01+	20.00
Philippines	Cash Pickup	Any	21.00
Philippines	Wallet	Any	15.75
Sierra Leone	Cash Pickup	Any	26.25
Sri Lanka	Bank Transfer	25 – 1,000	15.75
Sri Lanka	Bank Transfer	1,000.01+	21.00
Sri Lanka	Cash Pickup	Any	15.75
Uganda	Bank Transfer	Any	15.75
Uganda	Wallet	Any	15.75
Uganda	Cash Pickup	Any	26.25