Abu Dhabi Commercial Bank, known as ADCB, is a UAE bank that provides services for individuals, businesses, companies, and private banking customers. Its services include bank accounts, credit cards, personal finance, car finance, home loans, business banking, and digital banking. Customers can use ADCB branches, ATMs, internet banking, and the mobile app for their everyday banking needs. Businesses can also use services such as trade finance, cash management, corporate payments, and business financing.

Quick Facts

What Is Abu Dhabi Commercial Bank?

Abu Dhabi Commercial Bank is a UAE-based commercial bank. It serves personal customers as well as small businesses, large companies, institutions, and private clients.

ADCB became part of a larger banking group after merging with Union National Bank in 2019 and completing the acquisition of Al Hilal Bank. The integration of the three banking businesses was completed in 2020.

The bank offers both conventional and Sharia-compliant banking products. Customers can choose from different accounts, cards, financing products, deposits, and other services based on their needs and eligibility.

ADCB Personal Banking Services

ADCB offers several banking products for individuals living in the UAE. These products cover everyday banking, saving, payments, borrowing, and property finance.

Personal banking services include:

• Current accounts
• Savings accounts
• Fixed deposits
• Credit cards
• Debit cards
• Personal finance
• Auto finance
• Home finance
• Digital banking

The requirements differ from one product to another. Income, salary transfer, residency status, age, and other factors can affect eligibility.

ADCB Current and Savings Accounts

ADCB has different accounts for customers who need an account for daily spending or saving money.

A current account can help with regular payments, salary deposits, transfers, and other everyday transactions. Savings accounts provide another option for customers who want to keep money in their account while earning an applicable return.

ADCB also offers fixed deposits and selected foreign-currency accounts. Each account has its own minimum balance, fees, eligibility rules, and other conditions.

Before opening an account, check the latest terms and charges because these can change.

ADCB Credit and Debit Cards

ADCB provides credit and debit cards for different types of customers. Card features can include rewards, payment options, discounts, travel benefits, and other services depending on the card.

The bank also runs the TouchPoints rewards programme for eligible products and transactions.

Before choosing a credit card, check the annual fee, interest or profit rate, reward conditions, cash withdrawal charges, and other applicable fees.

ADCB Personal Loans and Finance

ADCB offers personal finance to eligible customers in the UAE. Customers can use personal finance for different needs, subject to the bank’s approval and applicable conditions.

The amount a customer can borrow depends on factors such as income, existing financial commitments, employment details, credit history, and the selected product.

The repayment period, rate, processing fee, and other charges can also differ between customers and products.

ADCB Auto Finance

ADCB provides vehicle financing for customers who want to buy a new or used car.

The bank also has financing options for certain electric and hybrid vehicles. The amount financed and repayment terms depend on the vehicle, customer profile, income, and other eligibility requirements.

Before taking auto finance, compare the down payment, monthly instalments, insurance costs, processing charges, and total amount payable.

ADCB Home Loans and Mortgages

ADCB provides home-financing products for customers buying residential property in the UAE. The bank has different financing options for UAE nationals and expatriates. The amount available depends on the customer’s income, property value, existing debts, and other requirements.

For example, ADCB’s Home Saver mortgage provides different maximum financing levels for UAE nationals and expatriates. The exact amount available to an applicant depends on the bank’s assessment and the applicable product conditions.

Home buyers should also consider costs outside the mortgage, such as the down payment, property valuation, registration charges, insurance, and other buying costs.

ADCB Business Banking

ADCB provides banking services for entrepreneurs, small businesses, and larger companies. Business customers can open commercial accounts and use services for payments, debit cards, cheque books, cash management, and online banking.

The bank has different business account options. Some products target smaller companies with specific annual turnover limits, while larger companies can use broader corporate banking services.

Business owners may need to provide documents such as a trade licence, company information, identification documents, and financial details when opening an account.

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ADCB Digital Banking for Businesses

ADCB offers online banking services for business customers.

Businesses can use digital banking to:

• Check account balances
• View and download statements
• Check IBAN details
• Make payments
• Manage eligible cards
• Manage cheque books
• Submit selected service requests

The services available depend on the business account and customer profile.

ADCB Corporate Banking

Large companies and institutions can use ADCB’s corporate banking services for larger financial needs.

These services include cash management, trade finance, corporate payments, corporate cards, loans, financing, investment banking, and financial-market services.

Cash management can help companies handle incoming and outgoing payments. Trade finance supports businesses involved in local and international trade.

Corporate customers can also discuss financing and investment banking requirements with the bank.

ADCB Online and Mobile Banking

ADCB provides online and mobile banking for personal customers. Customers can use digital banking to check balances, review transactions, download statements, make payments, manage cards, and access other available services.

The mobile app also lets customers handle several routine banking tasks without visiting a branch.

Some requests may still require additional checks or a visit to an ADCB branch. Available features depend on the customer’s account and products.

ADCB Branches and ATMs

ADCB has branches, ATMs, and digital banking centres in different parts of the UAE. Branch services and opening hours can vary by location. Customers should check the bank’s official branch information before visiting if they need a particular service.

ADCB also operates uBank centres that use digital systems to provide selected banking services. Depending on the location and service, customers may be able to open accounts, replace cards, or print cheque leaves.

ADCB Private Banking

ADCB also provides private banking services for customers with larger financial portfolios.

Private banking can include banking accounts, deposits, financing, investment-related services, and support from a relationship manager.

Customers must meet the bank’s requirements to access private banking services. Eligibility can depend on the customer’s relationship value and other conditions.

ADCB Islamic Banking

ADCB provides Sharia-compliant banking products in selected areas. These products can include accounts, deposits, financing, and cards. Islamic banking products follow different structures from conventional banking products.

Customers interested in Islamic banking should check the details of each product before applying. Profit rates, fees, eligibility rules, and other conditions can differ.

ADCB Services for UAE Residents

UAE residents can apply for different ADCB products depending on their personal and financial situation.

Common services include:

Applicants may need documents such as an Emirates ID, passport, proof of income, salary details, or employment information.

ADCB Services for Businesses

ADCB provides banking products for businesses of different sizes.

A small business may mainly need an account, business debit card, online banking, and payment services. A larger company may need cash management, trade finance, corporate cards, business loans, and international payment services.

The company’s legal structure, annual turnover, business activity, and banking requirements can affect which account and services it can use.

ADCB Financial Results

ADCB’s annual reports provide information about its financial performance.

According to the bank’s 2025 annual report, total assets reached AED 774 billion at the end of 2025. The bank reported AED 11.445 billion in net profit for 2025.

The same report recorded a Common Equity Tier 1 ratio of 13.79%.

These figures relate to the 2025 financial year and do not indicate future results.

Things to Check Before Opening an ADCB Account

Before opening an account, check the minimum balance, account fees, salary requirements, transaction limits, debit-card charges, and available digital banking services.

If you plan to use the account for salary payments, check whether the bank requires a minimum salary or salary transfer.

For savings and fixed deposits, check the applicable rate or profit, deposit period, withdrawal rules, and minimum amount.

Things to Check Before Taking ADCB Finance

Do not look only at the monthly payment when comparing financing options.

Check the interest or profit rate, processing fee, insurance requirements, early-settlement charges, repayment period, and total amount you will pay.

For home finance, also include the down payment, valuation costs, property registration expenses, insurance, and other purchase-related charges in your budget.

For car finance, check the down payment, insurance, repayment period, processing fees, and total financing cost.

ADCB Customer Support

ADCB provides customer-support channels for questions about accounts, cards, finance, digital banking, and other services.

Customers looking for a branch should check the official branch locator for the latest location, opening hours, and available services.

For security, use official ADCB channels when dealing with your account. Never share your banking password, PIN, or one-time password with another person.

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Frequently Asked Questions

What does ADCB stand for?

ADCB stands for Abu Dhabi Commercial Bank.

Is ADCB a UAE bank?

Yes. Abu Dhabi Commercial Bank is a UAE-based bank that provides personal, business, corporate, and private banking services.

What services does ADCB offer?

ADCB offers current and savings accounts, credit and debit cards, personal finance, auto finance, home finance, deposits, business banking, digital banking, and private banking services.

Can I open an ADCB account online?

ADCB provides online account-opening options for selected products. The available options and requirements depend on the account and applicant.

Does ADCB offer personal loans?

Yes. ADCB offers personal finance to eligible customers. The amount, rate, repayment period, and fees depend on the product and the customer’s financial profile.

Does ADCB offer home loans?

Yes. ADCB offers home-financing products for eligible customers who want to buy property in the UAE.

Does ADCB offer Islamic banking?

Yes. ADCB offers Sharia-compliant products in selected banking categories.

Does ADCB have branches in Dubai?

Yes. ADCB operates branches and banking centres in Dubai and other parts of the UAE. Customers can check the latest branch information before visiting.

Does ADCB offer business accounts?

Yes. ADCB provides business accounts and other services for entrepreneurs, small businesses, companies, and corporate customers.

Does ADCB have mobile banking?

Yes. ADCB provides mobile banking services that allow customers to manage eligible accounts, cards, payments, and other banking tasks.

What should I check before opening an ADCB account?

Check the minimum balance, fees, salary requirements, transaction limits, card charges, and digital banking services before choosing an account.