Abu Dhabi Commercial Bank (ADCB)

Visit any ADCB branch with your valid passport (minimum 6 months validity), Emirates ID, and a salary certificate or employment letter from your employer. If your salary is paid via the UAE Wages Protection System (WPS), you can also start the application online or via the ADCB Mobile Banking App. The bank’s service guarantee promises a decision within 3 working days of submitting a complete document set. A minimum monthly salary of AED 5 000 is required for the standard current account.

Yes. ADCB offers banking facilities to non-residents, primarily UAE property owners and investors. Requirements are more stringent than for residents: valid passport, proof of overseas address, bank reference letter from your home country bank, and recent bank statements. Non-resident accounts carry higher minimum balance requirements. Contact the ADCB contact center on 600 50 2030 or visit the Head Office Excellency Centre on Zayed the First Street in Abu Dhabi for the most current terms.

From June 2025: customers with a monthly salary of AED 15 000 or more, or a total relationship balance of AED 20 000 or more, maintain their account free of charge. Customers earning AED 5 000-14 999 per month are charged AED 25 if their balance falls below the required threshold. Accounts with no qualifying salary transfer and no minimum balance face a higher monthly maintenance charge. Always verify the current Schedule of Fees at adcb.com as these thresholds are subject to change.

The primary SWIFT/BIC code for Abu Dhabi Commercial Bank is ADCBAEAAXXX (or ADCBAEAA in the 8-character short format). For the Dubai branch used in Trade Finance and certain Dubai-based transactions, the code is ADCBAEAA060. When in doubt, use the full 11-character code ADCBAEAAXXX for any international transfer to an ADCB account – this routes to the Head Office and is accepted by all receiving banks.

Standard outgoing SWIFT transfers to international accounts typically take 1-3 business days depending on the receiving bank and country. Aani instant payments within the UAE (to any participating UAE bank) are processed within seconds via mobile number, email address, or QR code. ADCB does not currently offer a dedicated free instant international remittance service. Applicable fees and transfer times are listed in the Schedule of Fees at adcb.com.

You can apply via the ADCB Mobile Banking App, by calling 600 50 2030, by SMSing “PIL” to 2626 from your registered mobile number, or by visiting any branch. Expat applicants need a valid passport, Emirates ID, salary certificate, 3 months’ bank statements, and a salary assignment letter from their employer. ADCB guarantees a decision within 3 working days upon receipt of a complete set of documents. Interest rates for expats start from 6,49% per annum; a processing fee of 1,05% of the loan amount applies.

ADCB mortgage loans are available to UAE nationals, expatriates, and non-residents. The minimum monthly income is AED 8 000. Expatriates can borrow up to 80% of the property value for a first home purchase. Rates start from approximately 2,75% per annum; hybrid structures with a fixed initial period are available. Both conventional and Islamic (Murabaha) home finance options exist. A minimum upfront payment of AED 250 000 applies for standard mortgage products. Call 600 50 2030 or visit any Excellency Centre branch for a personalised pre-approval quote.

The fastest method is the ADCB Mobile Banking App: go to Cards, select the card, tap Block Card – the block takes effect immediately at any hour. Alternatively, call 600 50 2030 (available 24/7) and select the card blocking option through the IVR menu. Once blocked, you can request a replacement card in-app, at any branch, or print a new card instantly at any uBank Digital Banking Center without waiting for mail delivery.

Visit any branch with your Emirates ID and debit card after clearing all outstanding balances on linked credit cards and loans. If you are outside the UAE, write from your registered email address to contactus@adcb.com requesting account closure and follow the bank’s instructions. Processing typically takes several business days. Ensure all direct debits and standing instructions linked to the account are cancelled beforehand. Verify the current early closure fee on adcb.com before proceeding.

Accounts with no customer-initiated transactions for extended periods are flagged for dormancy review and may incur maintenance charges. Under UAE Central Bank regulations, unclaimed funds are transferred to the CBUAE after two years of inactivity. To keep your account active, perform at least one transaction per quarter – a balance inquiry via ATM, a bill payment, or a fund transfer all count. The ADCB Mobile App makes this straightforward even if you have no other banking activity.

Yes. ADCB Securities operates a Virtual Assets Trading Platform that allows customers to trade cryptocurrencies, fund a digital wallet, and hold virtual assets directly within the ADCB ecosystem. This makes ADCB one of the more progressive traditional UAE banks in the digital asset space, reflecting the bank’s publicly announced AI-led transformation strategy of 2025. Access the platform through the ADCB app or adcb.com/en/personal/investments.

ADCB operates a dedicated commercial and SME banking division offering business current accounts, trade finance, working capital facilities, and merchant payment solutions (POS and online payments). Following the 2019 merger with Union National Bank and the integration of Al Hilal Bank, ADCB Group serves approximately 1 million customers and is one of the five largest banks in the GCC region. For business account enquiries, call 600 50 2030 and select the business banking option, or visit the Head Office Excellency Centre in Abu Dhabi or the Business Bay Excellency Centre in Dubai. Required documents include a valid trade license, company incorporation documents, and Emirates ID or passport copies for all directors and shareholders.