Abu Dhabi Islamic Bank (ADIB)

Residents need a valid passport (minimum 6 months validity), Emirates ID, valid UAE residence visa, and a salary certificate from their employer showing minimum salary of AED 5,000. Visit any of the 60+ ADIB branches or start the application online. Processing typically takes 1-3 business days for straightforward applications. For Ghina premium accounts, minimum salary requirement is AED 8,000.

Yes, ADIB offers non-resident accounts for property owners and investors in the UAE. Requirements include a valid passport, proof of address in your home country, bank reference letter, and recent bank statements. Non-resident home finance is also available for buyers who want to own property in the UAE. Contact ADIB directly for specific requirements and minimum balance thresholds.

For salary accounts with regular salary credits: no minimum balance required. For standard current accounts: AED 3,000 monthly average balance to avoid the AED 25 fall-below fee. UAE Nationals have no minimum balance requirements on any account type. The fee is also waived if your account is linked to active auto finance, personal finance, or home finance from ADIB.

The main SWIFT/BIC code for Abu Dhabi Islamic Bank UAE is ABDIAEADXXX (or ABDIAEAD for 8-character format). Unlike some banks, ADIB uses a single unified SWIFT code for all branches across the UAE. For ADIB Egypt, use ABDIEGCA. For ADIB Qatar, use ABDIQAQAXXX.

Standard SWIFT transfers to ADIB accounts typically take 1-3 business days depending on the sending bank and country of origin. Same-day processing is possible for transfers initiated early in the day from major financial centers. You can confirm receipt by calling ADIB at 600 543 216 (UAE) or +971 2 610 0600 (international).

Visit any ADIB branch with your Emirates ID and debit card. Clear all outstanding balances and cancel linked services (Covered Cards, finance facilities) first. Processing takes 3-7 business days. An AED 100 fee applies if closing within 6 months of account opening. No fee for accounts older than six months.

A Covered Card is ADIB’s Sharia-compliant alternative to a conventional credit card. It functions similarly to a credit card — you can make purchases and pay later — but without interest charges (riba). Instead of interest, fixed fees apply according to Islamic finance principles. ADIB offers various Covered Cards including Cashback, Etihad Guest, and Smiles cards with different reward structures.

No. As a fully Sharia-compliant Islamic bank, ADIB does not charge or pay interest (riba). Instead, ADIB uses Islamic finance structures such as Murabaha (cost-plus financing), Ijara (leasing), and profit-sharing arrangements. For personal finance, home finance, and auto finance, you’ll see a “profit rate” rather than an interest rate, which is the bank’s margin on the financing arrangement.

ADIB WhatsApp Chat Banking is available at +971 600 543 216. The service is powered by GenAI and available 24/7. You can check balances, block cards, send money, and get instant answers to banking questions. Simply send “Hi” to start a conversation. This is the official verified ADIB WhatsApp number.

Salaried employees need minimum monthly income of AED 5,000, minimum age of 21 years, at least 3 months with current employer, and valid UAE residency. Maximum age at finance maturity is 65 years for expats and 70 years for UAE Nationals. Self-employed individuals face stricter requirements including business financials and higher minimum income thresholds. Finance amounts and profit rates depend on salary level and employment status.

ADIB does not currently offer cryptocurrency trading or custody services. As an Islamic bank, any new financial products must be evaluated by the Sharia Supervisory Board to ensure compliance with Islamic finance principles. The permissibility of cryptocurrencies under Sharia law remains a topic of scholarly debate, and ADIB has not announced any retail crypto products.