Abu Dhabi Commercial Bank (ADCB) is a top UAE bank offering corporate, private, and retail banking services. It provides innovative solutions, wealth management, Islamic banking, and AED-based products.

With a strong digital platform and wide branch network, ADCB is a trusted partner in Dubai’s growing economy.

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Account Options at ADCB Bank

current-account

Current Accounts

ADCB Current Accounts offer flexible daily banking with mobile access, free cheque book, e-statements, and easy management. Requires AED 5,000 salary.

savings-account

Savings Accounts

ADCB Savings and Call Accounts earn monthly interest and are available in AED, USD, GBP, and more, with rewards for balances over AED 25,000.

Specialized-Savings

Specialized Savings

Tailored savings options, including prize draws with Emirati Millionaire, cash prizes with Millionaire Destiny, and up to 2.25% interest with Active Saver accounts.

Offshore Company

Fixed Deposit

Fixed Deposit Accounts offer secure savings with flexible terms. Earn up to 4.05% p.a., with upfront interest of up to 3.85% credited on day one.

Steps to Open an Account with ADCB

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Check Eligibility

  • UAE residents need a minimum salary of AED 5,000.
  • Non-residents can open savings accounts with specific terms.
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Gather Required Documents

For UAE Residents:

  • Original passport with a valid UAE visa (30+ days).
  • Emirates ID.
  • Salary certificate or employer letter.

For Non-Residents:

  • Original passport.
  • UAE visit visa copy with entry stamp or e-Gate card.
  • Last three months’ bank statements.
  • Introduction letter from an ADCB customer (1+ year relationship).
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Choose Application Method

  • Online: Use the ADCB Hayyak app to fill in details, scan documents, and upload your signature for instant setup.
  • In-Person: Visit an ADCB branch with your documents to complete the process.
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Account Setup and Welcome Kit

  • Receive your debit card and cheque book within 24-48 hours after approval.
  • Open zero-balance accounts via the ADCB Hayyak app by selecting “Save and Transact.”

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Islamic Banking: Shari’ah-Compliant Financial Solutions

  • 1. Current & Savings Accounts: Profit-sharing accounts based on Wadi’ah and Mudarabah principles
  • 2. Emirati Millionaire Savings: Mudarabah savings with monthly prize draws for Emirati clients
  • 3. Ijara Home Finance: Rent-to-own home financing with competitive profit rates
  • 4. Murabaha Car Finance: Shari’ah-compliant vehicle financing with fixed profit rates
  • 5. Business Financing: Murabaha-based trade and working capital solutions
  • 6. Sukuk Investments: Fixed-income investments with diversified Islamic assets
  • 7. Corporate Cash Management: Shari’ah-compliant online cash and liquidity management
  • 8. Islamic Corporate Cards: Ijara-based cards for transparent expense management

Rewards and Digital Banking Solutions

TouchPoints Rewards Program

Earn Points

Collect points on card spends, savings, bills, and financing.

TouchPoints Max

Extra points when shopping at partner stores.

Instant Redemption

Redeem instantly for travel, shopping, or dining.

Flexible Options

Use points for airline miles, school fees, or vouchers.

Exclusive Promotions

Seasonal bonuses and special offers.

Digital Banking Solutions

Internet Banking

24/7 access for transactions, payments, and investments.

Mobile App

Manage funds and cards with ease.

uBank Centers

Open accounts, replace cards, and print cheques instantly.

ProCash for Business

Manage payments and accounts securely.

Video Guides

Tutorials for digital banking services.

Cards to Suit Every Lifestyle and Spending Habit

Credit Cards

  • Talabat Card: 35% cashback, free delivery, lounge perks.
  • 365 Card: 6% cashback, AED 365 bonus, AED 1,000 monthly cashback.
  • Traveller Card: AED 1,500 cashback, 10% on tickets, lounge access.
  • Etihad Guest Card: Earn Miles, upgrade tiers, luxury travel benefits.

Debit Cards

  • Excellency Card: TouchPoints, free ATM use, Talabat discounts.
  • Privilege Card: TouchPoints, dining, and entertainment discounts.
  • Etihad Guest Card: Earn Miles, travel perks, purchase protection.

Flexible Loan Solutions to Help You Achieve Your Goals

Home Loans

Mortgage Loan: Flexible options with hybrid and variable rates.

Home Saver: Reduces interest, helping you pay faster.

Green Loan: Financing for eco-friendly home purchases.

Car Loans

Standard Loan: Financing for new and used cars at low rates.

Green Loan: Special loans for electric and hybrid vehicles.

Accessory Financing: For electric chargers and accessories.

Personal Loans

For Nationals: Low rates, high salary multiples, and longer terms.

For Expats: Affordable loans tailored for expatriates.

Business Loans

Retail Loan: Flexible financing for self-employed and business owners.

Wealth Management Services for Financial Growth

ADCB Managed Funds: Diversified portfolios managed by experts for long-term growth.

Mutual Funds: A range of funds offering diversification and risk management.

Structured Products: Capital-protected investments with market exposure.

Home Content Insurance: Protection for your household valuables.

Family Protector Plus: Affordable family financial security from AED 26.25/month.

Critical Guard Plus: Coverage for 37 critical illnesses.

Term Life Insurance: Coverage for life’s uncertainties with defined terms.

ADCB Securities: Full-service brokerage for seamless trading access.

Asset Management: Transparent strategies to grow and secure your assets.

Private Share Registry: Manages share books and transactions for PJSCs.

Dividend Distribution: Efficient distribution of dividends to shareholders.

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ADCB Bank Account Opening Consultants in Dubai

How Riz & Mona Consultancy Can Help?

Riz & Mona Consultancy is renowned as one of the top business setup consultants in Dubai, with over 15 years of experience facilitating a wide range of businesses throughout the UAE. Our deep connections with government officials and key authorities, combined with our extensive expertise in consultancy, streamline the process of establishing your business in Dubai. Additionally, we offer comprehensive financial, legal, and corporate services to support our clients throughout their business endeavors.

We are here to provide comprehensive support for your ADCB Bank Account Opening in Dubai, from preparing your documents to completing the process. Connect with us now to begin your journey with a FREE consultation!

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FAQS (Frequently Asked Questions)

What is the minimum salary for an ADCB account?

The minimum monthly salary required to open an ADCB current account is typically AED 5,000.

Can I open a zero balance account in ADCB?

Yes, ADCB offers zero balance accounts, which can be opened through the ADCB Hayyak app by selecting the “Save and Transact” option.

How do I contact Abu Dhabi Commercial Bank?

You can contact ADCB’s customer service by calling their hotline at 600 50 2030 for UAE residents or +971 2 6210090 if calling from outside the UAE.

Who owns Abu Dhabi Commercial Bank?

ADCB is a publicly traded company listed on the Abu Dhabi Securities Exchange. Its major shareholders include the Abu Dhabi Investment Council, with a significant ownership stake.

What is the minimum balance in ADCB account?

The minimum balance requirement varies depending on the type of account. For standard savings accounts, a minimum balance of AED 3,000 may apply.

What is the minimum salary for an ADCB savings account?

For residents employed in the UAE, a minimum monthly salary of AED 5,000 is generally required to open an ADCB savings account.

What is ADCB eligibility?

Eligibility for ADCB accounts and services depends on factors like residency, minimum salary requirements, and required documents, including Emirates ID for UAE residents.

Abu Dhabi Commercial Bank Dubai address?

ADCB has multiple branch locations in Dubai; you can find specific addresses using ADCB’s branch locator tool on their website

Abu Dhabi Commercial Bank Dubai contact number?

The general contact number for ADCB in Dubai is 600 50 2030.

What is the minimum salary for an ADCB loan?

ADCB personal loans require a minimum monthly salary of AED 5,000 for UAE residents, subject to other eligibility criteria.

Abu Dhabi Commercial Bank Dubai office?

ADCB operates several offices across Dubai; the head office is located in Abu Dhabi. Use ADCB’s branch locator on their website for specific office locations.

Abu Dhabi Commercial Bank Dubai?

ADCB is a leading bank in Dubai and across the UAE, offering a wide range of financial services, including personal, corporate, and Islamic banking.

Abu Dhabi Commercial Bank Dubai SWIFT code?

The SWIFT code for ADCB’s Dubai branches is ADCBAEAAXXX.

Abu Dhabi Commercial Bank Dubai careers?

ADCB offers career opportunities across various roles. You can explore current job openings on the ADCB careers page on their official website.

Abu Dhabi Commercial Bank Dubai branch SWIFT code?

The general SWIFT code for ADCB branches in Dubai is ADCBAEAAXXX, though it may vary for specific branches.