Minimum Balance Required Currencies Features
ADIB - Current Account ADIB - Current Account Minimum Balance: AED 3,000 Currencies: AED, GBP, USD Features: Islamic Finance, Multiple Currencies, Free Cheque Book, Islamic Banking, Free Credit/Debit Card, Internet banking
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Free Unlimited Teller Transactions At Over 80 Branches Across The UAE

For your day-to-day banking needs, you can use the teller service at any ADIB Branch free of cost. You can choose from over 80 branches in the UAE including Dana Women's Banking branches, 10-to-10 branches and our 24/7 branch at Abu Dhabi Airport.

Free ADIB Visa Electron Debit Card

We provide secure, instant access to your account at any ATM or retail outlet. You can check balances, withdraw cash (with higher withdrawal limits), pay bills, and transfer funds for free at over 700 ADIB ATMs (and growing) across the UAE (charges apply when you use other bank ATMs locally and worldwide). You can shop with your ADIB Visa Debit card at thousands of retail stores locally and internationally.


Available in AED currency, your first chequebook comes free while additional ones can be obtained by paying AED 25/- only.

ADIB Mobile Banking App

Bank anytime, anywhere with the ADIB Mobile Banking App - available for all iPhone, Android & Blackberry devices. You need just one e-PIN to simply and safely access online, mobile and phone banking. Download the ADIB Mobile Banking App on your tablet or smartphone today and discover why more and more clients are raving about its simplicity!

  • Send money in the UAE and abroad
  • Pay bills
  • Recharge phone and Salik credit
  • Navigate to our nearest branch or ATM
  • Check balances and statements
  • Apply for financing and so much more

If you prefer banking without downloads and data packages, simply dial *161# from your registered mobile number and bank with no airtime / data usage charges.

Instant Overdraft Facility

For situations where you need extra cash (AED 8,000 minimum salary transfer required).

Standing Instructions

Manage your time by automatically making payments for regular transactions (such as bill payments, transfers, donations or installments) on your chosen dates.

24-hour Banking Services

In addition to our mobile app, you will always have:

  •  e-ADIB Internet Banking 
  • Telephone Banking
  • SMS Banking

Account Statements

Your account statements are also sent to you by postal mail on a monthly basis.

Free e-Statements

e-Statements are delivered to your mailbox on a monthly basis at no extra cost.

ADIB WebSecure

Ensuring online shopping is safe (click here to know more)

Choice of Currency

You can also choose to maintain your account in any of the following currencies:

  • AED, US Dollar & GBP
  • The ATM Card is for use in AED Currency only

How is this Shari'a compliant?

This account is based on the Islamic principle of Qard Hasan - where your deposits are considered as a non-profit bearing loan to ADIB. The bank will be obliged to return the lent amount at any time upon the request of the customer.

Required Documents

  • Original Passport - Joint Accounts, please bring all original passports and all account holders should also be present
  • Valid Emirates ID (for UAE Nationals & Residents)
  • Valid UAE residence visa.
  • A Salary certificate from your employer (minimum salary AED 3,000 for account opening - for overdraft facility a minimum salary of AED 8,000 is required )
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
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