🏛️ 1. Introduction to ADCB
Abu Dhabi Commercial Bank (ADCB) is one of the leading retail and commercial banks in the United Arab Emirates. Known for its personalized services, digital innovation, and financial strength, ADCB has grown into a trusted institution serving millions of customers across personal, business, and corporate sectors.
With a strong foundation in Abu Dhabi and operations across the UAE and beyond, ADCB continues to innovate while staying true to its mission: “Ambition Drives Progress.”
---
2. ADCB History and Background
Founded in 1985, ADCB was formed through the merger of Emirates Commercial Bank, Federal Commercial Bank, and Khalij Commercial Bank.
🔹 Key Milestones:
Listed on Abu Dhabi Securities Exchange (ADX)
Merged with Union National Bank (UNB) in 2019
Acquired Al Hilal Bank, expanding Islamic banking
Now one of the top three banks in the UAE by assets
Today, ADCB is a major player in the region, well-known for its customer service, technology-driven banking, and strategic partnerships.
---
3. ADCB’s Market Position in the UAE
ADCB is:
Among the top 3 largest banks in the UAE
Serving over 1 million personal customers
Focused on retail banking, SME services, corporate lending, and Islamic finance
Committed to UAE’s Vision 2030 and economic development
With over 50 branches, 400+ ATMs, and a robust online presence, ADCB ensures access and convenience across the Emirates.
---
👨💼 4. Personal Banking Services
ADCB provides a wide range of personal banking solutions for residents, expats, and high-net-worth individuals.
💳 Account Types:
Current Account – Unlimited transactions, easy access
Savings Account – Interest-based or Shariah-compliant
Emirati Advantage Account – Tailored for UAE nationals
Excellency Account – Premium banking experience with priority support
💸 Other Services:
Local & international transfers
Standing instructions and bill payments
Safe deposit boxes
Travel cards and foreign exchange
---
🏢 5. ADCB Business and Corporate Banking
ADCB supports SMS, startups, and large enterprises with custom-built solutions.
🏦 SME Banking:
Business current and savings accounts
Trade finance
POS and merchant services
Business loans and overdraft facilities
Wages Protection System (WPS)
🏦 Corporate Banking:
Corporate deposits
Project finance
Syndicated lending
Cash and liquidity management
Treasury and FX solutions
---
6. ADCB Digital Banking
ADCB is a pioneer in smart digital banking in the UAE.
ADCB Mobile App:
Real-time balance, transfer, and card control
Face ID login
Mobile cheque deposit
Investment dashboard
Utility and Etisalat/Du bill payments
ADCB Personal Internet Banking:
Accessible 24/7
International remittance
Card activation/deactivation
Secure OTP and encryption
ADCB has also introduced “Hayyak” – a digital onboarding system to open accounts instantly.
---
7. ADCB Islamic Banking (via Al Hilal)
Through its Islamic arm, Al Hilal Bank, ADCB offers Shariah-compliant banking services:
Islamic current and savings accounts
Murabaha personal and auto finance
Islamic credit cards
Sukuk investments
Islamic home finance (Ijara/Murabaha)
Al Hilal also provides a fully digital Islamic banking app for both individuals and businesses.
---
💳 8. ADCB Credit Cards Overview
ADCB offers a variety of lifestyle, travel, cashback, and Islamic credit cards.
🔝 Popular Cards:
ADCB Touch points Gold Card – Earn points on every spend
Lulu Platinum Card – Grocery cashback and Lulu shopping rewards
Etihad Guest Infinite Card – Free miles, travel insurance, lounge access
Simply life Cashback Card – No annual fee, instant cashback
ADCB Islamic Card – Shariah-compliant with flexible limits
🎁 Common Features:
Free airport lounge access
Balance transfer at 0%
Dining, travel, and lifestyle offers
Installment plans and rewards programs
---
💰 9. ADCB Loans and Financing Options
ADCB offers a range of fast, low-interest financing for every need.
Personal Loans :
Loan up to AED 1 million
Repayment up to 48 months
No salary transfer options available
Competitive rates
🔹 Auto Loans:
New and used car loans
Up to 80% of car value
Quick approvals
🔹 Home Loans:
Islamic and conventional
For residents and expats
Buy, refinance, or build
Interest rates starting as low as 2.75%
ADCB also provides education loans, wedding loans, and vacation finance.
---
10. ADCB Wealth and Investment Services
🧠 ADCB Investment Products:
Mutual funds
Global equities
Sukuk and fixed-income securities
Structured products
Offshore investments
Real estate investment solutions
💼 Premium Wealth Services:
Personal financial advisors
Custom portfolio design
Market insights and research
Estate and succession planning
---
🏦 11. ADCB vs Other UAE Banks
Feature ADCB FAB Emirates NBD
Retail Experience ✅ Strong ✅ Strong ✅ Very Strong
Digital Banking ✅ Excellent ✅ Excellent ✅ Best-in-class
Islamic Banking ✅ Al Hilal ✅ FAB Islamic ✅ Emirates Islamic
Credit Cards ✅ Variety ✅ Variety ✅ Extensive
SME Banking ✅ Growing ✅ Leading ✅ Strong
ADCB offers great value for personal banking customers, especially those seeking a mix of conventional and Islamic finance.
---
12. Awards and Recognition
ADCB has earned numerous awards over the years:
Best Retail Bank – UAE – The Asian Banker
Best Digital Transformation Initiative – Global Finance
Top 10 Safest Banks in the Middle East – Global Finance Magazine
Best Wealth Management Bank in UAE – World Finance Awards
---
How to Open an Account at ADCB ?
Requirements:
Emirates ID
Valid passport (for expats)
Residency visa
Salary certificate or trade license
🖥️ Steps:
1. Download the ADCB mobile app or visit adcb.com
2. Select your preferred account
3. Upload your documents
4. Verify with UAE Pass or OTP
5. Start banking in minutes!
---
14. Customer Reviews and Reputation
ADCB is well-reviewed for:
Reliable mobile banking
Fast approvals for credit cards and loans
Excellent customer service
Easy onboarding through Hayyak
Value-packed Islamic and conventional banking
Some users have noted longer call center wait times, but digital self-service has significantly improved.
---
15. Frequently Asked Questions (FAQs)
Is ADCB a government-owned bank?
Yes, the Abu Dhabi government owns a significant stake via the Abu Dhabi Investment Council.
Does ADCB have a minimum salary requirement?
Yes. For personal loans or salary-transfer accounts, usually AED 5,000–8,000/month.
Does ADCB support Apple Pay and Google Pay?
Yes. ADCB cards are compatible with Apple Pay, Samsung Pay, and Google Pay.
What is the customer care number?
You can call ADCB at 600 50 2030 for support or use WhatsApp/chat in the app.
---
16. Final Thoughts
Abu Dhabi Commercial Bank (ADCB) combines legacy, innovation, and customer-centricity. Whether you're an expat, Emirati, business owner, or investor, ADCB offers reliable, rewarding, and personalized financial solutions.
From smart digital banking and Shariah-compliant finance to tailored credit cards and investment advice, #ADCB is among the most trusted and progressive banks in the UAE today.
---
Throughout Article Naturally
Abu Dhabi Commercial Bank
ADCB UAE
Open account ADCB
ADCB mobile app
ADCB personal loan
ADCB credit card
ADCB vs FAB
Islamic banking ADCB
Best banks in Abu Dhabi
ADCB business account
ADCB Al Hilal Bank
Digital banking UAE
Explore
Abu Dhabi Commercial Bank (#ADCB) in this full 2025 guide. Learn about ADCB services, loans, credit cards, digital banking, and why it’s a top bank in the UAE.
---
Table of Contents
1. Introduction to ADCB
2. ADCB History and Background
3. ADCB’s Market Position in the UAE
4. Personal Banking Services
5. ADCB Business and Corporate Banking
6. ADCB Digital Banking
7. ADCB Islamic Banking
8. Credit Cards Overview
9. Loans and Financing Options
10. ADCB Wealth and Investment Services
11. ADCB vs Other UAE Banks
12. Awards and Global Recognition
13. How to Open an Account
14. Customer Reviews
15. Frequently Asked Questions (FAQs)
16. Final Thoughts
---
