First Abu Dhabi Bank Review
UAE’s Largest Bank by Assets
Editor’s Verdict for FAB
First Abu Dhabi Bank (FAB) is the UAE’s largest bank by total assets, managing over AED 1.2 trillion (USD 320 billion) with a presence in 20 countries across five continents. Formed in 2017 from the merger of First Gulf Bank and National Bank of Abu Dhabi, FAB reported a record profit of AED 21.11 billion in 2025, with one of the strongest credit ratings (Aa3/AA-/AA-) among banks in the MENA region.
✓ Best For
- Salaried professionals earning AED 10,000+ monthly seeking a globally connected bank
- International professionals requiring seamless cross-border banking across 20+ countries
- High-net-worth individuals looking for Elite or Private Banking services with wealth management
- Savers seeking competitive interest rates with the iSave account (up to 4.75% p.a.) and zero minimum balance
- Those prioritizing bank safety with world-class credit ratings (Aa3/AA-/AA-)
✗ Not Ideal For
- Freelancers or self-employed with irregular income (AED 3,000 minimum balance requirements on standard accounts)
- Budget-conscious users seeking completely fee-free banking with no conditions
- Those frustrated by mixed customer service reviews and occasional long wait times
- Customers preferring simple, digital-first neobanks with minimal documentation
Quick Facts
| Bank Type | Commercial / Retail / Corporate / Investment / Private Banking |
|---|---|
| Founded | 2017 (merger of First Gulf Bank and National Bank of Abu Dhabi) |
| Headquarters | Khalifa Business Park, Al Qurm District, Abu Dhabi, UAE |
| Branch Network | 90+ branches in the UAE |
| ATM Network | 563+ ATMs and CDMs across UAE |
| Mobile App | FAB Mobile (iOS rating: 4.6/5, Google Play: 4.4/5) |
| Online Banking | FAB Online Banking |
| Languages Supported | English, Arabic, Hindi (phone banking) |
| SWIFT/BIC Code | NBADAEAAXXX (All First Abu Dhabi Bank Swift Codes) |
| Credit Rating | Aa3 (Moody’s), AA- (S&P), AA- (Fitch) |
📄 Schedule of Fees
📍 Branch Locator
First Abu Dhabi Bank Pros & Cons
✓ Pros
- Global presence
Operations in 20 countries across five continents with major hubs in London, Singapore, Mumbai, and New York - Highest credit ratings
One of the world’s 50 safest banks with Aa3/AA-/AA- ratings, ensuring maximum deposit security - FAB iSave account
Competitive interest rates up to 4.75% p.a. on new deposits with zero minimum balance requirements - Elite Banking privileges
Personalized wealth advisory, free first international transfer monthly, gym and beach club access - FAB Rewards program
Earn points on purchases, convert to airline miles, cashback, or exclusive lifestyle discounts
✗ Cons
- Minimum balance requirements
AED 3,000 monthly average on standard accounts or face AED 25-30 monthly fees - Customer service inconsistency
Mixed reviews with complaints about long phone wait times and dispute resolution processes - Account closure complexity
Requires branch visit or extensive documentation; can take longer than expected - International transfer fees
Standard SWIFT fees of AED 50-70 plus correspondent bank charges apply - Strict KYC procedures
Traditional documentation requirements can slow onboarding, especially for non-residents
FAB Popular Products
FAB One Salary Account
Most Popular
Who it’s for: Employed professionals and expats receiving regular monthly salaries of AED 10,000 or more.
The FAB One salary account eliminates minimum balance requirements entirely as long as your employer transfers your salary directly into the account. For salary transfers of AED 10,000 and above, you avoid the AED 25-30 monthly fall-below fee that applies to non-salary accounts.
Key features include a free debit card with high withdrawal limits (up to AED 25,000 daily for Elite), optional chequebook, multi-currency account options, and preferential access to personal loans, credit cards, and mortgage products. The account opens within 1-3 business days for residents with valid Emirates ID, passport, and salary certificate from your employer.
FAB Elite Credit Card
Premium Lifestyle
The FAB Elite Credit Card is a premium lifestyle card designed for affluent customers seeking exclusive privileges. It offers generous FAB Rewards points on every purchase, up to 50,000 bonus points as a welcome offer, and exclusive discounts of up to 30% at elite restaurants across Dubai and Abu Dhabi.
Card benefits include complimentary access to gyms throughout the UAE, membership to select beach clubs, and personalized concierge services. The annual fee is AED 999 (waived for high spenders), with a minimum salary requirement of AED 25,000. The annual percentage rate ranges from 36-39% on unpaid balances, with a grace period of up to 55 days.
FAB iSave Account
High Interest Savings
Who it’s for: Young professionals, beginning savers, and anyone seeking competitive interest rates without minimum balance restrictions.
FAB iSave offers revolutionary savings banking with interest rates up to 4.75% per annum on new deposits and zero minimum balance requirements. The account opens entirely online through the FAB Mobile app in minutes—simply scan your Emirates ID and take a selfie for instant verification.
Features include unlimited cash withdrawals without penalties, monthly interest calculation and automatic crediting, spend tracking tools, and a Visa World debit card. The app includes goal-setting features and automatic transfers from your current account to build savings effortlessly.
First Abu Dhabi Bank Hidden Fees & Charges
Understanding the fee structure prevents unpleasant surprises:
Digital Experience
FAB Mobile App
The FAB Mobile app serves as the primary digital banking channel for First Abu Dhabi Bank customers. It handles virtually all everyday banking needs without branch visits.
What works well: Clean interface with clear account overview and transaction history on the main screen. Fund transfers between FAB accounts are instantaneous. Bill payments for utilities, mobile services, and other providers integrate seamlessly. Credit card management, statement viewing, and automatic payment setup function smoothly. Instant iSave account opening and credit product applications save time. Biometric authentication (fingerprint or Face ID) provides quick and secure access.
What frustrates users: Occasional login issues following app updates requiring password resets. Relatively large app size can be problematic for devices with limited storage. Complex operations like transaction disputes or personal data changes still require phone calls or branch visits. Some users report “Maximum Devices Reached” errors when switching phones.
Online Banking
The web portal at bankfab.com provides comprehensive account management including statements, transfers, and service requests. It works reliably though the interface feels more traditional compared to modern fintech solutions. Complex tasks like account closure, dispute resolution, or document updates often require additional communication via phone or in-person visits.
First Abu Dhabi Bank Branch Network
First Abu Dhabi Bank operates branches across all seven emirates of the UAE. Below is a comprehensive list of FAB branch locations organized by emirate.
Abu Dhabi Branches
| Branch Name | Address |
|---|---|
| ADCO Cash Office | Bin Hadi Street, Al Khalidiyah, Abu Dhabi, UAE |
| ADIA Cash Office | Adh Dhahar Street, Al Markaziyah West, Abu Dhabi, UAE |
| ADNOC Branch | King Salman Bin Abdulaziz Al Saud Street, Al Khubeirah, Abu Dhabi, UAE |
| Abu Dhabi Mall Branch | Abu Dhabi Mall Parking Exit, Al Zahiyah, UAE |
| Al Ain Civic Centre Branch | Al Istithmar Street, Al Jimi, Abu Dhabi, UAE |
| Al Ain Defense Cash Office – UAE Armed Forces Camp | Al Ruwaydat, Abu Dhabi, UAE |
| Al Ain Mall Branch | Othman Bin Affan Street, Central District, Abu Dhabi, UAE |
| Al Ain New Branch | Al Suha Street, Central District, Abu Dhabi, UAE |
| Al Khubeirah Branch | Al Yazwah Street, Al Khubeirah, Abu Dhabi, UAE |
| Al Maqam Branch (2 ATMs) | Al Dirasah Street, 'Asharij, Abu Dhabi, UAE |
| Al Mushrif Mall Branch | Ar Rawhah Street, Hadbat Al Za'faranah, Abu Dhabi, UAE |
| Bateen Branch | Salt Street, Al Bateen, Abu Dhabi, UAE |
| Bawabat Al Sharq Mall Branch | Tawi Zayed Street, Bani Yas, Abu Dhabi, UAE |
| Between Two Bridges Branch | As Safare Street, Rabdan, Abu Dhabi, UAE |
| Business Park Branch | Butti Biltahina Al Muhairi Street, Ministries Complex, Khalifa Park, Abu Dhabi, UAE |
| Corniche Branch | Bel Ghailam Tower, Plot C24, Corniche Road, Al Bateen W10, Abu Dhabi |
| Dalma Mall Branch | Ar Rawdah Road, ICAD I, Abu Dhabi Industrial City, UAE |
| Das Island Branch | Das Island, Abu Dhabi, UAE |
| Delma Island Branch | Bayt Al Mreekhi Street, Delma, Abu Dhabi, UAE |
| Emirates Palace Hotel Branch | Emirates Palace Hotel Area, Abu Dhabi |
| Etihad Branch | Barqa An Nisil Street, Al Nahyan Camp, Abu Dhabi, UAE |
| FAB Business Banking Al Ain Branch | Al 'Ataya Street, Central District, Abu Dhabi, UAE |
| FAB Business Banking Corniche Branch | Nakhl Al Hilaywah Street, Al Khalidiyah, Abu Dhabi, UAE |
| FAB Business Banking FAB One Tower | Sheikh Khalifa Street, Al Danah, Zone 1, Abu Dhabi |
| FAB Islamic Abu Dhabi branch | Al Maqam Street, Al Qubaisat, Abu Dhabi, UAE |
| FAB Islamic Al Ain branch | Al Dar Street, Central District, Abu Dhabi, UAE |
| FAB Islamic Business Park branch | Butti Biltahina Al Muhairi Street, Ministries Complex, Khalifa Park, Abu Dhabi, UAE |
| FAB One Tower Branch | Khalifa Bin Zayed The First Street, Al Danah, Abu Dhabi, UAE |
| FAB Securities – Head Office | Al Qurm Business Park, Abu Dhabi |
| Ghayathi Branch | Al Dhafra Region, Abu Dhabi |
| Liwa TAMM Centre Branch | Jardi Street, Mzeerʻah, Liwa, Abu Dhabi, UAE |
| Madinat Zayed Branch | Al Dhafra Region, Abu Dhabi |
| Masdar City Branch – Digital branch (no cash services) | Masdar Pedestrian Zone, Masdar City, Abu Dhabi, UAE |
| Musaffah Branch | Al Hidab 1 Street, Musaffah, Abu Dhabi, UAE |
| NPCC Cash Office | At Tiblaghah 8 Street, ICAD I, Musaffah, Abu Dhabi, UAE |
| New Al Shahama Branch | Al Sadirat Street, Al Shahamah, Abu Dhabi, UAE |
| Oud Al Touba Branch | Ali Bin Abi Talib Street, Central District, Abu Dhabi, UAE |
| Reem Mall Branch – Digital branch (no teller services) | Abdullah Omran Taryam Street, Al Reem Island, Abu Dhabi, UAE |
| Ruwais Branch | Al Dhafra Region, Abu Dhabi |
| Salam Street Branch | Al Wi'alah Street, Al Zahiyah, Abu Dhabi, UAE |
| Sweihan Branch | Al Hinwah Street, Sweihan, Abu Dhabi, UAE |
| Wahat Al Hili Mall Branch | Bani Yas Street, Al Hili, Abu Dhabi, UAE |
| Yas Mall Branch | Northwest Street, Yas Island, Abu Dhabi, UAE |
| ZADCO Cash Office | Wadi Al Miraykhat Street, Al Danah, Abu Dhabi, UAE |
| ADGM Branch | Office Units 5608, 5609, 5610, 56th Floor, Addax Port Office Tower, Al Rayfa Street, Al Reem Island, Abu Dhabi |
Dubai Branches
| Branch Name | Address |
|---|---|
| Abu Baker Al Siddique Branch | Abu Baker Al Siddique Road, Al Khabisi, Dubai, UAE |
| Bur Dubai Branch | Khalid Bin Waleed Street, Bur Dubai, Dubai |
| Dubai Hills Mall – Digital branch (no teller services) | Dubai Hills Mall, First Floor, Al Khail Road, Dubai |
| Dubai Mall | Ground Level, Dubai Mall, Downtown Dubai (Unit LG-136, Financial Centre Street), Dubai |
| FAB Business Banking Deira Branch | Abu Baker Al Siddique Road, Al Khabisi, Dubai, UAE |
| FAB Business Banking Sheikh Zayed Road Branch | 4 Street, Al Quoz Industrial 3, Dubai, UAE |
| FAB Islamic Al Khawaneej branch | 1 Street, Al Khawaneej, Dubai, UAE |
| FAB Islamic Avenue Mall branch | Avenue Mall, Nad Al Sheba, Dubai |
| FAB Islamic Dubai branch | 4d Street, Riggat Al Buteen, Dubai, UAE |
| FAB Securities – DFM | Zaa'beel Palace Street, Trade Centre 2, Dubai, UAE |
| Jebel Ali Branch | Jebel Ali Industrial Area, Dubai |
| Mall of the Emirates Branch | Mall of the Emirates, Al Barsha, Dubai |
| Mirdif City Center Branch | 8th Street, Mirdif, Dubai, UAE |
| Palm Jumeirah Mall Branch | Shoreline Street, Palm Jumeirah, Dubai, UAE |
| Rolex Tower Branch | Sheikh Zayed Road (north), Trade Centre 1, Dubai, UAE |
| Sheikh Zayed Road Branch | 4 Street, Al Quoz Industrial 3, Dubai, UAE |
Sharjah Branches
| Branch Name | Address |
|---|---|
| Al Dhaid Branch | E55, Tayebah, Al Dhaid, Sharjah, UAE |
| Al Madam Branch | Al Dhaid Road, Al Madam, Sharjah, UAE |
| Al Zahia City Center Branch – Digital branch (no teller services) | Sheikh Mohammed Bin Zayed Road, Al Zahia, Sharjah, UAE |
| FAB Business Banking Sharjah Branch | Corniche Street, Al Majaz, Sharjah, UAE |
| FAB Islamic Sharjah Branch, Al Jada | Sharjah |
| Khorfakkan Branch | Al Tufail Bin Malik Street, Al Hayawah, Khor Fakkan, Sharjah, UAE |
| Sahara Centre Digital Branch | Sahara Centre Overpass, Al Nahda, Sharjah, UAE |
| Sharjah Branch | Corniche Street, Al Majaz, Sharjah, UAE |
Ajman Branches
| Branch Name | Address |
|---|---|
| Ajman Branch | Al Ittihad Street, Al Jerf 2, Ajman |
Ras Al Khaimah Branches
| Branch Name | Address |
|---|---|
| Al Hamra Mall Branch | Paris Street, Al Jazirah Al Hamra, Ras Al Khaimah, UAE |
| FAB Business Banking Ras Al Khaimah Branch | Al Qawasim Corniche Road, Burial Khor Ras Al Khaimah, UAE |
| FAB Islamic Ras Al Khaimah branch | Bin Dhaher Street, Dafan Al Nakheel, Ras Al Khaimah, UAE |
| Ras Al Khaimah Corniche Branch | Al Qawasim Corniche Road, Burial Khor Ras Al Khaimah, UAE |
Fujairah Branches
| Branch Name | Address |
|---|---|
| Dibba Branch | Al Murabah, Dibba Al Fujairah, UAE |
| Fujairah Branch | Hamad Bin Abdulla Road, Fujairah |
| Kalba Branch (2 ATMs) – Digital branch (no teller services) | Amr Bin Al A'as Street, Al Sidrah, Kalba, Fujairah, UAE |
Umm Al Quwain Branches
| Branch Name | Address |
|---|---|
| Umm Al Quwain Branch | Building No. 211, King Faisal Road, Al Riqqah, Umm Al Quwain |
Elite Centres, Islamic & Service Windows
Besides full branches, FAB runs service points inside its own and partner premises: Elite Centres and Elite Desks for premium clients, FAB Islamic and National Housing Loan (NHL) windows, and Private Banking centres. FAB's own locator lists them as service windows rather than branches, so they are shown separately below.
| Location | Emirate | Address |
|---|---|---|
| Elite Centre – Al Ain | Abu Dhabi | Al 'Ataya Street, Central District, Abu Dhabi, UAE |
| Elite Centre – Bateen | Abu Dhabi | Al Mataf Street, Al Bateen, Abu Dhabi, UAE |
| Elite Centre – Business Park | Abu Dhabi | Butti Biltahina Al Muhairi Street, Ministries Complex, Khalifa Park, Abu Dhabi, UAE |
| Elite Centre – FAB One Tower | Abu Dhabi | Ar Razqi Street, Al Danah, Abu Dhabi, UAE |
| Elite Centre – Khubeirah | Abu Dhabi | Zayed The First Street, Al Bateen, Abu Dhabi, UAE |
| Elite Centre – Salam Street | Abu Dhabi | Sheikh Zayed Tunnel, Al Zahiyah, Abu Dhabi, UAE |
| FAB Islamic Al Ain Civic Center Window | Abu Dhabi | Al Istithmar Street, Al Jimi, Abu Dhabi, UAE |
| FAB Islamic Baniyas Window (Bawabat Al Sharq Mall) | Abu Dhabi | Tawi Zayed Street, Bani Yas, Abu Dhabi, UAE |
| FAB Islamic Madinat Zayed Window | Abu Dhabi | Al Akarim Street, Zayed City, Abu Dhabi, UAE |
| FAB Islamic Shahama Window | Abu Dhabi | Al Sadirat Street, Al Shahamah, Abu Dhabi, UAE |
| FAB NHL Abu Dhabi Window | Abu Dhabi | Butti Biltahina Al Muhairi Street, Ministries Complex, Khalifa Park, Abu Dhabi, UAE |
| FAB NHL Al Ain Window | Abu Dhabi | Ali Bin Abi Talib Street, Central District, Abu Dhabi, UAE |
| FAB NHL Madinat Zayed Window | Abu Dhabi | Al Akarim Street, Zayed City, Abu Dhabi, UAE |
| Private Banking Centre Business Park Head Office (3rd Floor) | Abu Dhabi | Butti Biltahina Al Muhairi Street, Ministries Complex, Khalifa Park, Abu Dhabi, UAE |
| FAB Islamic Ajman Window | Ajman | Sheikh Rashid Bin Abdul Aziz Street, Al Bustan, Ajman, UAE |
| Elite Centre – Sheikh Zayed Road | Dubai | 4 Street, Al Quoz Industrial 3, Dubai, UAE |
| Elite Desk – Dubai Hills Mall | Dubai | Umm Suqeim Street, Hadaeq Sheikh Mohammed Bin Rashid, Dubai, UAE |
| Islamic Elite Desk – Avenue Mall | Dubai | Dubai, Al Ain Road, Nad Al Sheba, UAE |
| Private Banking Centre Sheikh Zayed Road | Dubai | 4 Street, Al Quoz Industrial 3, Dubai, UAE |
| Elite Service Desk – Dibba | Fujairah | Al Murabah, Dibba Al Fujairah, UAE |
| FAB Islamic Fujairah Window | Fujairah | Merashid Road, Safad, Fujairah, UAE |
| Elite Desk – Ras Al Khaimah | Ras Al Khaimah | Al Qawasim Corniche Road, Burial Khor Ras Al Khaimah, UAE |
| Elite Centre – Sharjah | Sharjah | Corniche Street, Al Majaz, Sharjah, UAE |
| FAB Islamic Dhaid Window | Sharjah | E55, Tayebah, Al Dhaid, Sharjah, UAE |
First Abu Dhabi Bank Contact Information & Support
Customer Service
Personal Banking (24/7)
International
Elite & Private Banking
General Enquiries (Email)
Corporate & Investment
FAB Islamic
National Housing Loan (NHL)
National Housing Loan (NHL) (International)
e-Dirham
e-Dirham (International)
Ratibi Payroll Card
Ratibi Payroll Card (International)
Payit Wallet
Payit Wallet (International)
POS Merchant Support
Private Banking (International)
Global Transaction Banking – Channel Support
FIG Client Services
Government Client Services
IBG Client Services (Dubai)
CBG Client Services (Abu Dhabi)
CBG Client Services (Dubai)
MNC Client Services (Dubai)
Trade Services (Commercial Banking)
Email Contacts
Global Corporate Finance: gcf@bankfab.com
FIG Client Services: figclientservices@bankfab.com
Government Client Services: govclientservices@bankfab.com
IBG Client Services (Abu Dhabi): ibgclientservices@bankfab.com
IBG Client Services (Dubai): ibgcsdubai@bankfab.com
CBG Client Services (Abu Dhabi): cbg-client-services@bankfab.com
CBG Client Services (Dubai): cbgcsdubai@bankfab.com
MNC Client Services (Abu Dhabi): mncclientservices@bankfab.com
MNC Client Services (Dubai): mnccsdubai@bankfab.com
Commercial Banking Client Services: cmb-clientservices@bankfab.com
Trade Services (Commercial Banking): bbgtradecs@bankfab.com
Private Banking: pb@bankfab.com
Investor Relations: ir@bankfab.com
Share Registrar: sfas-inquiry@bankfab.com
PR and Media: prandmedia@bankfab.com
Headquarters
Al Qurm Business Park
P.O. Box 6316
Abu Dhabi, United Arab Emirates
International Offices
| Location | Address | Phone |
|---|---|---|
| London | 25 Knightsbridge, London SW1X 7LY, UK | +44 20 7838 2222 |
| Singapore | 10 Collyer Quay, Ocean Financial Centre | +65 6438 7868 |
| Mumbai | Maker Maxity, Bandra Kurla Complex | +91 22 3331 1111 |
| USA (Washington DC) | 1430 K Street NW, Suite 400, Washington DC 20005 | +1 202 842 7900 |
| Saudi Arabia | Multiple locations | FABKSAComplaintsEscalation@bankfab.com |
| Egypt (FABMISR) | Cairo offices | 16555 / +202 16555 |
Quick Actions
Information may change – verify current terms on the official First Abu Dhabi Bank website before making financial decisions. This page is for informational purposes only and does not constitute financial advice.
FAQ – First Abu Dhabi Bank
How do I open a First Abu Dhabi Bank account as a resident?
Residents need a valid passport (minimum 6 months validity), Emirates ID, proof of address (utility bill or tenancy contract), and a salary certificate from their employer. Visit any branch or start the application online through FAB Mobile app. Processing typically takes 1-3 business days for straightforward applications.
Can non-residents open a First Abu Dhabi Bank account?
Yes, FAB offers non-resident accounts for property owners and investors. Requirements include a valid passport, proof of address in your home country, bank reference letter, and recent bank statements. Non-resident accounts typically require higher minimum balances (AED 30,000-50,000 fixed deposit is common).
What is the minimum balance requirement?
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 25-30 fall-below fee. Elite Banking and Private Banking have higher balance requirements with enhanced benefits. FAB iSave has zero minimum balance requirements.
How long do international transfers take?
Standard SWIFT transfers to other countries typically take 1-3 business days depending on the receiving bank and currency. Elite Banking customers receive one free international transfer per month. Express options are available for urgent transfers at additional cost.
How do I close my First Abu Dhabi Bank account?
Visit a branch with your Emirates ID and debit card, or email the account closure form to the bank from your registered email address if you’re abroad. Clear all outstanding balances and cancel linked services (credit cards, loans) first. Processing takes 3-7 business days. An AED 100 fee applies if closing within 6 months of account opening.
What happens if my account goes dormant?
After two years of no transactions, dormant accounts transfer to the UAE Central Bank as unclaimed funds. Contact FAB at least annually to maintain account activity. Even simple transactions like balance inquiries count as activity.
What are the requirements for a personal loan?
Salaried employees need minimum monthly income of AED 5,000, at least 3 months with current employer, and valid UAE residency. Self-employed individuals face stricter requirements including business financials and higher minimum income thresholds. Loan amounts and rates depend on salary level and employment status.
How do I check my credit card application status?
Call 600 52 5500 and select the credit card option, or log into the FAB Mobile app to view pending applications. Branch staff can also check status with your Emirates ID.
Does First Abu Dhabi Bank support cryptocurrency?
FAB does not currently offer direct cryptocurrency trading or custody services through its main banking platform. The bank continues to explore digital asset opportunities but has not announced retail crypto products for the mass market.
