Al Hilal Bank P.J.S.C Review
Is This the UAE’s Most Digital-First Islamic Bank?
Editor’s Verdict for Al Hilal Bank
Al Hilal Bank is a Shari’ah-compliant Islamic bank headquartered in Abu Dhabi, established in 2007. Following its integration into the ADCB Group, the bank has pursued a digital-first strategy while keeping a focused branch presence concentrated in the emirate of Abu Dhabi. Account holders also enjoy fee-free access to the wider ADCB ATM and cash-deposit network across the UAE.
✓ Best For
- Customers who specifically want Shari’ah-compliant (Islamic) banking without conventional interest
- Residents and UAE nationals based in Abu Dhabi who value a local branch network
- Digital-savvy users comfortable managing everyday banking through a mobile app
- Anyone who values fee-free cash withdrawals and deposits across the extensive ADCB ATM network
✗ Not Ideal For
- Customers in Dubai and the northern emirates who want a nearby Al Hilal branch
- People who prefer conventional interest-bearing products rather than Islamic finance
- Those who dislike app-based banking for routine transactions
Quick Facts
| Bank Type | Islamic / Retail / Wealth Management / Treasury (Shari’ah-compliant) |
|---|---|
| Founded | 2007 (Abu Dhabi) |
| Headquarters | Al Bahar Towers, Al Salam Street, Eastern Mangroves, Abu Dhabi, UAE |
| Branch Network | 14 branches, concentrated in the emirate of Abu Dhabi |
| ATM Network | Fee-free access to the full ADCB Group ATM & cash-deposit network across UAE |
| Mobile App | Al Hilal Bank Mobile App (digital onboarding & full banking) |
| Online Banking | Al Hilal Bank Digital Banking |
| Languages Supported | English, Arabic |
| SWIFT/BIC Code | HLALAEAA (HLALAEAAXXX) |
| Regulator | Central Bank of the UAE; SCA license 601035 |
📄 Schedule of Fees
📍 Branch Locator
Al Hilal Bank Pros & Cons
✓ Pros
- Fully Shari’ah-compliant
All products are structured according to Islamic finance principles, supervised by a Shari’ah board - Strong Abu Dhabi presence
A network of 14 branches across the capital, including major malls and outlying areas - Wide ATM access
Free cash withdrawals at ADCB ATMs and free cash/cheque deposits at ADCB Group deposit machines - Backed by ADCB Group
Part of one of the largest banking groups in the UAE, adding stability - Tharwa Priority Banking
Dedicated wealth-management proposition for higher-tier customers
✗ Cons
- Limited geographic reach
Branches are concentrated in Abu Dhabi, with little to no presence in other emirates - App-dependent for many tasks
Customers outside Abu Dhabi rely heavily on the mobile app - Islamic-only structure
Not suitable for customers seeking conventional interest-based products - Some branches restricted
Certain locations (e.g. the ADIA branch) have limited access - Fewer touchpoints in Dubai & the north
In-person service is harder to access outside the capital
Al Hilal Bank Popular Products
Current & Savings Account
Most Popular
Who it’s for: Residents and UAE nationals who want everyday Shari’ah-compliant banking with digital onboarding.
Al Hilal Bank offers Islamic current and savings accounts that can be opened in minutes through the mobile app. Savings accounts are structured on Islamic principles, paying expected profit rather than conventional interest. Account holders get a debit card and free access to the wide ADCB Group ATM and cash-deposit network across the UAE.
The account is designed for digital management, letting you handle transfers, payments and card controls directly from your phone without visiting a branch.
Islamic Credit Cards
Shari’ah-Compliant
Al Hilal Bank’s credit cards are structured to comply with Islamic finance principles, avoiding conventional interest. Cardholders can access a range of lifestyle offers and discounts through the bank’s offers platform, covering dining, retail and travel categories.
Cards come with digital payment support, allowing customers to add their card to mobile wallets and manage spending through the app. Eligibility and limits depend on income and profile.
Personal Finance
For Residents
Who it’s for: Salaried customers who need financing structured on Islamic principles.
Al Hilal Bank’s Personal Finance is offered as a Shari’ah-compliant alternative to a conventional personal loan, using Islamic financing structures rather than interest. The bank also offers Auto Finance and Home Finance under the same Islamic framework, plus a National Loan Scheme (NLS) for eligible UAE nationals.
Applications can be initiated digitally, with the bank assessing income, employment and overall profile to determine eligibility and financing amounts.
Digital Experience
Al Hilal Bank Mobile App
The Al Hilal Bank Mobile App is central to the bank’s strategy. The app handles the vast majority of customer needs – from opening an account in minutes to managing cards, transfers, payments and finance applications – complementing the branch network in Abu Dhabi.
What works well: Fast, paperless account opening directly from a smartphone. Everyday banking – transfers, bill payments, card management and live chat support – is designed to be completed entirely in-app. Free cash withdrawals and deposits are available across the ADCB Group machine network.
What to keep in mind: The physical branch network is concentrated in Abu Dhabi, so customers in other emirates who prefer face-to-face service will rely mainly on the app and the shared ADCB ATM network.
Online & Live Chat Support
Beyond the app, customers can reach the bank through its customer support line and in-app Live Chat. Routine queries and complaints are handled digitally, with the bank targeting resolution of complaints within a few working days.
Al Hilal Bank Contact Information & Support
Customer Service
Customer Support (Inside UAE)
Customer Support (Outside UAE)
Complaints
Headquarters
Al Bahar Towers, Al Salam Street
Eastern Mangroves, Abu Dhabi, UAE
P.O. Box 63111
Quick Actions
Al Hilal Bank SWIFT Code
Al Hilal Bank P.J.S.C uses a single SWIFT/BIC code for international transfers. When receiving money from abroad, use the code together with your full account number (IBAN).
| SWIFT Code | Branch / Department | Emirate | Address |
|---|---|---|---|
| HLALAEAA | Head Office | Abu Dhabi | Al Bahar Towers, Al Salam Street, Eastern Mangroves |
If you’re not sure what this means, see what is a SWIFT code. To browse every bank, open the full UAE SWIFT code table, or check this SWIFT code.
Al Hilal Bank Branch Network
Al Hilal Bank operates a network of 14 branches concentrated in the emirate of Abu Dhabi, covering the city centre, major malls and outlying areas such as Ruwais, Ghiyathi and Baya Al Sila. Account holders can additionally use the entire ADCB Group ATM and cash-deposit network across the UAE free of charge.
Abu Dhabi
| Branch | Address |
|---|---|
| Abu Dhabi Tharwa Centre (uBank) | Ground Floor (Unit No. G4, G5 & G6), Al Mushrif Co-Op Society Shopping Mall, Al Mushrif Area, Abu Dhabi, UAE |
| Al Ain Branch, Khalifa Street | Al Ain, Sheikh Khalifa Street, Abu Dhabi, UAE |
| Mushrif Co-operative Society | Ground Floor (Unit No. G4, G5 & G6), Al Mushrif Co-Op Society Shopping Mall, Al Mushrif Area, Abu Dhabi, UAE |
Dubai
| Branch | Address |
|---|---|
| Nadd Al Hamar Branch | Location 40, Al Rebat street, Nadd Al Hamar, Ras Al Khor, Dubai, UAE |
Information may change – verify current terms, contact details and branch locations on the official Al Hilal Bank website before making financial decisions. This page is for informational purposes only and does not constitute financial advice.
FAQ – Al Hilal Bank
Is Al Hilal Bank an Islamic bank?
Yes. Al Hilal Bank P.J.S.C is a fully Shari’ah-compliant Islamic bank established in 2007 and headquartered in Abu Dhabi. All of its retail, treasury and wealth-management products are structured according to Islamic finance principles and supervised by a Shari’ah board.
What is the Al Hilal Bank SWIFT code?
The Al Hilal Bank SWIFT/BIC code is HLALAEAA (also written as HLALAEAAXXX). It is registered to the head office in Abu Dhabi. Use it together with your IBAN when receiving international transfers, and confirm the exact code on your statement or with the bank first.
How do I contact Al Hilal Bank customer support?
You can call 600 522 229 from inside or outside the UAE, email contactus@alhilalbank.ae, or use the Live Chat feature inside the Al Hilal Bank Mobile App. Complaints are typically targeted for resolution within a few working days.
Where are Al Hilal Bank branches located?
Al Hilal Bank operates 14 branches, all located in the emirate of Abu Dhabi. These include city-centre locations such as Abu Dhabi Main, Al Hosn and Madinat Zayed, major malls (Khalidiya, Dalma, Reem, Yas, Bawabat Al Sharq) and outlying areas including Ruwais, Ghiyathi and Baya Al Sila. Customers can also use the full ADCB Group ATM and cash-deposit network across the UAE free of charge.
How do I open an Al Hilal Bank account?
You can open an account in minutes through the Al Hilal Bank Mobile App. The process is paperless and digital. You will typically need a valid Emirates ID and passport; specific requirements may vary for residents and UAE nationals, so check the latest details in the app or on the official website.
Where can I withdraw and deposit cash?
Al Hilal Bank account holders can withdraw cash with no fees at ADCB ATMs and deposit cash and cheques free of charge at any ADCB Group cash-and-cheque deposit machine across the UAE.
Where is Al Hilal Bank’s head office?
The registered head office of Al Hilal Bank P.J.S.C is located at Al Bahar Towers, Al Salam Street, Eastern Mangroves, Abu Dhabi, United Arab Emirates.
Who regulates Al Hilal Bank?
Al Hilal Bank P.J.S.C is licensed and regulated by the Central Bank of the United Arab Emirates, and by the Securities and Commodities Authority under license 601035 for the activity of Promotion. It operates as part of the ADCB Group.
