CDC Cheque UAE — What is a Current Dated Cheque?
Updated September 2026 · ChequeprinterUAE
Quick Answer
A CDC cheque (Current Dated Cheque) bears today's date and can be deposited immediately. It is the opposite of a PDC (Post-Dated Cheque), which carries a future date.
What is a CDC Cheque?
CDC stands for Current Dated Cheque. It is a cheque where the date written is today's actual date, meaning the bank can process and clear it as soon as it is presented. There is no waiting period.
In UAE business, CDC cheques are used when immediate payment is required — as opposed to a PDC, which is used to schedule a future payment.
CDC vs PDC Cheque — Key Differences
| Feature | CDC (Current Dated) | PDC (Post-Dated) |
|---|---|---|
| Date on cheque | Today's date | Future date |
| Can be deposited | Immediately | Only on/after the cheque date |
| Common use | Immediate payment, supplier invoices | Rent, loans, deferred payments |
| Validity period | 6 months from cheque date | 6 months from cheque date |
| Risk for issuer | Funds must be available now | Funds must be available on date |
When Are CDC Cheques Used in UAE?
UAE businesses use CDC cheques for:
- Supplier payments — paying on delivery or invoice settlement
- Security deposits — where the landlord can cash immediately
- One-time transactions — equipment purchases, service fees
- Government fee payments — licensing, visa fees, municipality payments
- Same-day settlements — any payment due immediately
What is PDC in UAE?
PDC stands for Post-Dated Cheque. It carries a date in the future. In the UAE, PDCs are widely used for:
- Annual rent payments (12 or 4 PDCs for the year)
- Bank loan EMI repayments
- Supplier credit terms (30, 45, 60 days)
- Car finance installments
A PDC cannot be deposited before its date. See our full guide on PDC cheque validity in UAE for rules and legal consequences.
Print CDC and PDC cheques accurately: Download free cheque printing software — supports all UAE banks, AED 99/year.
Frequently Asked Questions
What is a CDC cheque in UAE?
CDC stands for Current Dated Cheque. It bears today's date and can be deposited immediately. Unlike a PDC, there is no future date — payment is due now.
What is the difference between CDC and PDC?
A CDC (Current Dated Cheque) can be deposited immediately. A PDC (Post-Dated Cheque) has a future date and can only be deposited on or after that date. CDCs are for immediate payment; PDCs are for deferred payment.
How long is a CDC cheque valid in UAE?
6 months from the cheque date, same as all UAE cheques. After 6 months it becomes stale and the bank will reject it.
What does PDC and CDC stand for?
PDC = Post-Dated Cheque (future date). CDC = Current Dated Cheque (today's date).