Abu Dhabi Islamic Bank (ADIB): Complete Banking Guide 2025

Abu Dhabi Islamic Bank (ADIB) was established on May 20, 1997, as a Public Joint Stock Company and commenced commercial operations on November 11, 1998. As a premier Islamic financial institution, ADIB has grown to become one of the leading Sharia-compliant banks in the UAE and the region.

With assets totaling USD 34 billion and more than 60 branches across the UAE, ADIB serves both individual and corporate customers with a comprehensive range of banking products and services. The bank operates internationally with presence in six strategic markets including Egypt, Saudi Arabia, the United Kingdom, Qatar, and Iraq. You can get information about Dubai Islamic bank.

How to Open an ADIB Account

Account Opening Requirements

Opening an account with Abu Dhabi Islamic Bank is straightforward. Here are the essential requirements:

For Personal Accounts: You’ll need proof of identity (passport), proof of address not older than 3 months, Resident Visa, CV, bank reference letter, and bank statements for the last 6 months.

For UAE Nationals:

• Valid passport and Emirates ID
• Khulasat al Qaid (family book)
• Proof of income

For Expatriates: Valid UAE residence visa and minimum salary of AED 5,000 for current accounts

• Recent utility bill
• Salary certificate

Types of Personal Accounts

ADIB Current Account Offers flexibility to apply for cheque books, pay bills, transfer salary funds, and withdraw cash for free at over 500 ADIB ATMs across UAE.

ADIB Savings Account Features quarterly profit distribution and safe access to your savings whenever needed.

ADIB Ghina Savings Account An award-winning savings account with monthly draws and attractive prizes.

ADIB Banoon Children’s Savings Account Designed specifically for children under 18 with higher profit rates for higher balances.

ADIB Rise Account Available in AED currency with an exclusive ADIB Rise Visa Platinum Debit Card offering distinguished lifestyle benefits including airport services and DragonPass ‘Dine & Fly’ program. You can get information about Abu Dhabi Commercial bank.

ADIB Mobile Banking App

Features and Functionality

The ADIB Mobile Banking app provides a timeline of all account transactions, transaction details with a single tap, ability to temporarily block your card and request replacements, personal finance applications from home, and the option to personalize your app with images for accounts.

Key Mobile Banking Services

Account Management:

• View all accounts at a glance
• Check balances instantly
• Search transactions by keywords
• View pending transactions
• Access exchange rates for foreign currency accounts

Money Transfers: Send money within ADIB, within UAE, or internationally to an account, card, or wallet

Bill Payments: Pay money for telecom bills or recharge, fines, utility bills, transport and tolls top-up, takaful, or zakat and welfare

Card Services:

• Temporarily block/unblock cards
• Request card replacements
• Convert ADIB Covered Card spends of AED 1,000 or more into easy instalments over 6, 12, 24 or 36 months with NO processing fee

Account Opening: Download the ADIB Mobile App and instantly apply for an ADIB account by scanning your Emirates ID and Passport. You can get information about Emirates NBD bank.

Enhanced Security Features

Login with Touch ID or Face ID for enhanced security

How to Check Your ADIB Balance

Method 1: Mobile Banking App

Download and install the ADIB app on your smartphone, log into your account, and your balance will be displayed on the screen

Method 2: Internet Banking

Login to e-ADIB internet banking by visiting https://simple.adib.ae/ to inquire about your account balances

Registration to the e-ADIB Internet Banking Service is free of charge and you can register by entering your ATM card number and PIN

Method 3: SMS Banking

To make a balance inquiry, simply send the text ‘BAL’ to 2400. To register for SMS banking, call 600 543216

Method 4: WhatsApp Banking

Visit ADIB’s official website and navigate to the ‘Chat Banking’ section, then tap on ‘Click to chat via WhatsApp’ and log into your WhatsApp account

Method 5: ATM Balance Check

Simply insert your ADIB card into any ADIB ATM and select the balance inquiry option.

Method 6: Telephone Banking

Call 600 543216 and follow the instructions, then enter your PIN on your telephone

ADIB ATM Network and Locations

ADIB offers a wide range of banking services with many ATM locations where you can withdraw cash anytime across all Emirates of UAE. ATMs are strategically located in major malls, business districts, and residential areas.

Smart Teller Services

ADIB Smart Teller machines offer cash deposits up to AED 200,000, cash withdrawals up to AED 100,000 per transaction, instant cheque encashment up to AED 100,000 per transaction, bulk cheque deposits of up to 25 cheques in a single transaction, and instant debit card issuance or replacement

Additional Smart Teller Features:

• Instant personal information updates (Emirates ID, passport, email, mobile)
• Instant account activation
• Instant printing for various debit card types

ADIB Customer Service and Helpline Numbers

Primary Contact Numbers

General Customer Care: 600 543216 (Available 24/7)

Priority Banking: 800 200 or (+971) 2 4129000 from outside the UAE (Available 24 hours a day)

Business Banking: +971 2 6578777 during business hours from 8am to 10pm

Customer Complaints

You can raise concerns or complaints through the Call Center at 600543216 (24hr/7) or for Priority Banking at 800200 (24hr/7). Once logged, you will receive an SMS with your complaints reference number within 2 working days

How to Block Your ADIB Card

Lost or Stolen Cards – Immediate Action Required

If your card is lost or stolen, act immediately to prevent unauthorized transactions.

Method 1: Mobile Banking App Select the debit card you need to deactivate and slide left for more options, choose the block/replace option, and press ‘OK’ to successfully deactivate your card

Method 2: Call Customer Care Connect with customer care service by calling 600543216 to inform them about the situation and request them to deactivate your card

Method 3: WhatsApp Banking Click on ADIB Chat Banking contact and type the message “Deactivate my Debit Card” to receive confirmation within minutes

Method 4: Internet Banking Log into your account and navigate to the card services section to block your card.

Method 5: Visit Branch Visit the nearest ADIB branch to report and block your card in person.

Credit Card Blocking Numbers

Contact the ADIB call center at 800-2288 (if you are from UAE) and +971-2-6100600 (outside UAE) to block your credit card

ADIB Financing Solutions

Car Finance

ADIB offers car finance with profit rates as low as 2.59% on new cars, financing up to 80% of the car price, and a long repayment period with convenient one signature application

Eligibility Requirements: Minimum salary is AED 5,000, no salary transfer required, minimum age at time of application should be 21 years

Key Features:

• Repayment period up to 60 months
• Quick approval with simple documentation
• Free ADIB Visa Cashback Card for the first year
• Low contribution amount for Vehicle Takaful from Abu Dhabi National Takaful

Electric Vehicle Finance: Apply for ADIB Volt Electric Vehicle Finance for new Mercedes, BMW, or Audi Electric Vehicles with profit rates as low as 1.79%

Home Finance

ADIB Home Finance makes your dream home a reality whether you’re looking at a property or thinking of building your dream home

Home Finance Products:

• Ready property purchase
• Off-plan property finance
• Home loan buyout
• Non-resident finance
• Finance against property
• Plot finance for UAE Nationals

Home Finance Benefits: Free property insurance for the entire tenure, optional grace period up to six months, profit-free personal financing, automatic priority status upgrade, and life insurance financing

Down Payment Requirements: For your first property, the down payment is 25% if the property value is under AED 5M and 35% if property value is above AED 5M. For your second property, the down payment is 40%

Financing Amount: Up to AED 30 Million for Nationals and AED 15 million for Expatriates, up to 80% of property value

Personal Finance

Renovate your home, prepare for a wedding, ensure your children’s education, or effectively manage troublesome and unexpected expenses or high monthly installments of loans and credit with ADIB Personal Finance

Education Finance

Whether you want to give your kids the best or increase your professional knowledge, ADIB Education Finance is designed to take the stress out of learning

Travel Finance

Whether it’s Hajj, Umrah, or a family vacation, ADIB Travel finance makes traveling an absolute pleasure

Debt Settlement

ADIB Debt Settlement gives you the option to reduce your monthly payments

ADIB Insurance and Takaful Plans

ADIB offers a comprehensive range of Sharia-compliant Takaful (Islamic insurance) products to protect you and your family.

Life Takaful Products

Al Khair Tadawul Takaful Protect your family with Al Khair Tadawul Takaful as you would not want to leave your loved ones burdened with your debts

Male Care Takaful Plan Your well-being and health directly impacts your family and everyone around you, so protect yourself with the ADIB Male Care Takaful Plan provided by Abu Dhabi National Takaful Co. (ADNTC)

Male Care Takaful Plan provides a lump sum cash benefit on the first ever diagnosis of one or more covered Critical Illnesses including Heart Attack, Cancer, Kidney Failure, Major Organ Transplant, and Multiple Sclerosis

Female Care Takaful Plan Sign up for the ADIB Female Care Takaful Plan that offers customized coverage for specific woman’s health issues provided by Abu Dhabi National Takaful Co. (ADNTC)

Female Care Takaful Plan provides a lump sum cash benefit on the first ever diagnosis of one or more covered Female Cancer and Pregnancy Complications

Personal Accident Takaful Plan ADIB Personal Accident Takaful Plan offers 24×7 coverage provided by Abu Dhabi National Takaful Co. (ADNTC)

The plan provides 24-hour comprehensive protection against Death due to an Accident or Permanent Total Disability due to an Accident while you’re working or outside of work. You can get information about FAB balance check.

General Takaful Products

Motor Takaful Drive with confidence because your ADIB Motor Takaful plan has you and your car covered

Covered Cards Takaful Protect your ADIB Covered Card payments in case of unforeseen events with a Takaful benefit that offers you peace of mind

School Fee Takaful Protection Safeguard your child’s education and future with ADIB School Fee Takaful Protection provided by Abu Dhabi National Takaful Co.

Personal Finance Takaful

ADIB has selected Islamic Arab Insurance Company (SALAMA) and Abu Dhabi National Takaful Company (ADNTC) for takaful protection on Personal Finance

ADIB Business Banking

Business Account Types

ADIB Business Elite Account Requires a minimum monthly average relationship balance above AED 500,000 ensuring premium banking benefits and personalized services including a dedicated relationship manager

ADIB Business Premium Account Requires a minimum monthly average relationship balance above AED 100,000 offering enhanced features tailored for growing businesses and professionals

ADIB Business One Account Requires a minimum monthly average relationship balance of more than AED 5,000, ideal for startups and small businesses

ADIB Merchant Account There are no specific business account minimum balance requirements or eligibility criteria to open an ADIB Merchant Account

Business Account Features

• Shariah-compliant banking solutions
• Dedicated business centers across UAE
• ADIB Direct – Online and Mobile Banking for businesses
• Remote account opening services through secure access to the Ministry of Interior’s Facial Recognition verification system for SMEs without the need to visit a branch or submit physical documents

Digital Banking Services

Internet Banking (e-ADIB)

Features include inquiring about account balances, transferring funds between accounts, performing uniquely fast international fund transfers, activating or blocking your ADIB Visa or MasterCard, paying utility bills, and managing profile settings including email, mobile, e-PIN and more

Chat Banking

Meet the newly upgraded ADIB Chat Banking now powered by GenAI

Available through WhatsApp for convenient banking assistance.

Phone Banking

Registration to the Phone Banking Service is free of charge. Call 600 543216 and follow the instructions to register

Troubleshooting: When ADIB App Not Running Well

If you’re experiencing issues with the ADIB mobile app:

1. Update the App: ADIB has updated the Mobile App to enhance customer experience. Visit the App/Play store to update and avoid any interruptions to your digital banking experience
2. Check Internet Connection: Ensure you have a stable internet connection
3. Clear Cache: Clear app cache and data from your device settings
4. Reinstall the App: Uninstall and reinstall the latest version
5. Contact Support: Write to ADIB with your contact details on adibAppSupport@adib.com with your query details
6. Device Compatibility: Ensure your device meets the minimum requirements

Security and Fraud Protection

ADIB Protection Features

ADIB ATMs are deployed with intelligent anti-skimming devices to prevent tampering or interference. The intelligent anti-skimming mechanism is equipped with security features that prevents the copying of your card data and sends security alerts to the bank

ADIB WebSecure A new security feature to protect Covered and Debit cards during online transactions, providing added online protection while shopping with leading online merchants that incorporate Verified by Visa and MasterCard SecureCode

Report Suspicious Activity

If you notice any unusual or suspicious transaction on your account, contact ADIB immediately on the 24/7 Call Center at Fraud Hotline: +971 261…

Why Choose Abu Dhabi Islamic Bank?

Awards and Recognition

Named World’s Best Islamic Bank by The Financial Times – The Banker publication, ADIB has a rich track record of innovation including introducing the award-winning Ghina savings account and award-winning co-branded cards with Emirates airlines, Etihad and Etisalat

Financial Stability

ADIB received an upgrade to its Baseline Credit Assessment (BCA) from Moody’s as the ratings agency affirmed ADIB’s credit ratings, indicating continued stability and improvement in the bank’s financial health attributed to improved profitability driven by higher margins and diversified revenue streams

Innovation and Technology

In August 2025, Abu Dhabi Islamic Bank PJSC and Visa partnered to launch Remit!, a real-time cross-border money transfer service

Commitment to Emiratisation

ADIB was awarded the Diamond Category in the Nafis Award by the Emirati Talent Competitiveness Council in recognition of outstanding efforts in supporting Emiratisation. The bank announced a strategic initiative to hire 400 UAE Nationals in Al Ain by the end of 2026

Frequently Asked Questions

Q: What are ADIB branch timings? Most ADIB branches operate Monday to Thursday and Saturday from 8 AM to 2 PM, and Friday from 8 AM to 12 PM. However, timings may vary by location.

Q: Is salary transfer required for ADIB accounts? Salary transfer is not mandatory for all accounts, but it may help you get better rates on financing products and waive certain fees.

Q: How many ADIB branches are there in UAE? ADIB has more than 60 branches across the UAE with one of the largest distribution networks

Q: Is ADIB a government bank? No, ADIB is not a government bank. The founders hold 29% of its equity while the remaining 71% is held by approximately 100,000 shareholders

Q: What is the minimum balance for ADIB savings account? While some accounts don’t have minimum balance requirements, you may need to maintain at least AED 5,000 for profit earning.

Q: Can non-residents open ADIB accounts? Yes, ADIB offers account opening services for both UAE residents and non-residents with different requirements for each category.

Conclusion

Abu Dhabi Islamic Bank stands as a leading Islamic financial institution offering comprehensive Sharia-compliant banking solutions. With its extensive branch and ATM network, innovative digital banking platforms, diverse financing options, and robust customer support, ADIB continues to serve millions of customers across the UAE and internationally. Whether you’re looking to open a personal or business account, apply for car or home finance, or access Takaful protection plans, ADIB provides reliable and ethical banking services tailored to meet your financial needs.

For the latest information and personalized assistance, visit the nearest ADIB branch, download the ADIB Mobile Banking app, or contact customer service at 600 543216. You can get information about Mashreq Bank.

This guide is for informational purposes. Terms, conditions, rates, and fees are subject to change. Please verify current details with ADIB directly.