ADCB Bank Account Opening in Dubai
Open your ADCB account with easy guidance and smooth processing. When you understand the required documents, account types, eligibility rules, and application steps, it becomes much simpler to set up your banking and manage your finances safely and confidently in Dubai.
What is Abu Dhabi Commercial Bank
Abu Dhabi Commercial Bank (ADCB) is one of the largest and most trusted banking institutions in the UAE. It provides a wide range of financial services to residents, non-residents, and businesses. Individuals can open personal current accounts, savings accounts, and salary accounts, while businesses can access corporate and commercial banking solutions. ADCB also offers Sharia-compliant Islamic banking products for customers seeking ethical banking services.
ADCB accounts come with full access to digital banking, making it easy to manage finances anytime and anywhere. Account holders can use debit and credit cards, make international money transfers, and invest in various financial products. The bank also provides personal and business credit facilities, wealth management services, and other tailored financial solutions designed to meet diverse customer needs.
With a strong branch and ATM network across the UAE, ADCB ensures convenient access to in-person services. Customers benefit from 24/7 mobile banking via the Hayyak app, competitive interest rates up to 4.50% per annum, and flexible minimum balance options. The bank emphasizes secure banking, efficient service, and modern digital solutions, making it a reliable choice for both individuals and businesses.
Advantages of ADCB Bank Account
Competitive Interest Rates
Super Saver accounts earn up to 4.50% p.a. Tiered rates by balance. Fixed deposits also available.
Account Options
Personal, Business Choice, Super Saver, Goal Saver, and Shariah-compliant banking accounts offered.
Digital Banking
Manage accounts 24/7 via Hayyak app or online. Transfer funds, pay bills, and get alerts.
Branches & ATMs
87+ branches and wide ATM network. Local and international payments fully supported.
Minimum Balance & Fees
Zero-balance accounts for basic needs. AED 20,000 avoids monthly fees. Transparent and simple fees.
Is Abu Dhabi Commercial Bank (ADCB) Account Opening in Dubai Costly?
With the right guidance, opening an ADCB Bank account is simple and budget-friendly. An ADCB account provides access to strong banking services, digital tools, and competitive financial products. With support in documents, account selection, and eligibility checks, the process becomes cost-effective. Riz & Mona Consultancy ensures smooth and reliable ADCB account opening in Dubai.
We analyze your banking needs and handle all documentation preparation, application submission, and account activation procedures. Riz & Mona Consultancy provides complete support for personal and business accounts, minimum balance guidance, salary transfer coordination, and all KYC requirements to ensure your ADCB account is opened smoothly and meets all banking standards and Central Bank regulations.
Abu Dhabi Commercial Bank Account Opening Cost Calculator
Get a comprehensive cost breakdown for opening your ADCB account in Dubai.
Unique Features of ADCB Bank
01.Super Saver Account
Earn up to 4.50% yearly on savings. Tiered rates from 0.10% to 4.50% based on balance. Requires an existing ADCB account. Bonus rates apply to new funds.
02.Instant Account Opening (Hayyak)
Open a personal account in minutes through the Hayyak app. No branch visit required. Instant approval with Emirates ID and passport verification.
03.Priority Banking
Requires AED 370,000 deposits or AED 30,000 salary. Offers dedicated managers, priority service, better loan rates, and wealth advisory support.
04.Islamic Banking
Sharia-compliant savings and current accounts. Profit-sharing model with quarterly payouts. Dedicated Islamic banking services available.
05.Business Choice Accounts
Three tiers: Silver, Gold, and Platinum. Minimum balances from AED 10K to 100K. Platinum offers unlimited teller transactions and free business insurance.
06.2025 Salary-Based Fee Model
From June 2025: Salary AED 15,000+ or AED 20,000 balance = free account. Salary AED 5,000–14,999 = AED 25 fee. No salary or balance = AED 100 fee.
Types of Accounts Offered by ADCB Bank
01.Personal Current Account
- Daily account with debit card and chequebook.
- AED 5,000 min balance.
- Fee AED 25 waived if AED 20K+ or salary.
02.Personal Savings Account
- Interest-bearing account with flexible balance.
- No min initially for basic savings.
- Premium: AED 5,000 min.
03.ADCB Super Saver Account
- Earn up to 4.50% p.a.
- Tiered rates 0.10%–4.50%.
- Min deposit AED 50,000.
- Bonus on new funds.
04.ADCB Goal Saver Account
- Automated savings toward goals.
- Up to 2% + 2.5% bonus.
- Requires ADCB current/savings account.
- Tracked via app.
05.ADCB Active Saver Account
- Earn up to 2.25% p.a.
- Monthly interest on balance.
- Available in AED/USD.
- Flexible deposits and withdrawals.
06.ADCB Islamic Super Saver Account
- Shariah-compliant.
- Up to 5% profit.
- Monthly profit payout.
- Min AED 50,000.
- Instant digital opening via app.
07.Business Choice (Silver Tier)
- Entry-level business account for SMEs.
- Min AED 10,000.
- Free checkbook, merchant services, business support.
08.Business Choice (Gold Tier)
- Mid-level business account.
- Min AED 50,000.
- Higher limits, better rates, ideal for growing SMEs.
09.Business Choice (Platinum Tier)
- Premium account.
- Min AED 100,000.
- Unlimited free teller transactions, Takaful, dedicated relationship manager.
10.Fixed Deposit Account
- Fixed deposits 1 month+.
- Min AED 5,000.
- Guaranteed returns, life insurance included.
- Competitive interest rates.
ADCB Bank Account Requirements
| Account Type | Minimum Balance (AED) | Monthly Fee (AED) | Age Requirement | Best For |
|---|---|---|---|---|
Personal Current Account | 5,000 | 25 (waived with AED 20K+) | 18+ years | Daily transactions and salary deposits |
Personal Savings Account | 0 (basic) | 0 | 18+ years | Flexible savings |
ADCB Super Saver Account | 50,000 | 0 | 18+ years | High-interest savings |
ADCB Goal Saver Account | Existing ADCB account | 0 | 18+ years | Goal-based automated savings |
ADCB Active Saver Account | 5,000 | 0 | 18+ years | Flexible AED/USD savings |
ADCB Islamic Super Saver | 50,000 | 0 | 18+ years | Sharia-compliant high returns |
Business Choice (Silver) | 10,000 | Depends on balance | Company entity | Startups and small businesses |
Business Choice (Gold) | 50,000 | Depends on balance | Company entity | Growing SMEs |
Business Choice (Platinum) | 100,000 | Depends on balance | Company entity | Established corporations |
Fixed Deposit Account | 5,000 | 0 | 18+ years | Long-term guaranteed returns |
Abu Dhabi Commercial Bank Account Opening Services
Opening an Abu Dhabi Commercial Bank account in Dubai requires understanding account types, eligibility criteria, and documentation requirements. As experienced banking consultants, we bring in-depth knowledge of ADCB products, account opening procedures, and both resident and non-resident eligibility requirements.
We ensure you fulfill all obligations under UAE banking standards and ADCB requirements. Partner with us for absolute clarity and ease.
ADCB Account Opening Services in Dubai
- Account type selection and consultation
- Complete documentation preparation
- Eligibility verification and assessment
- Online and branch application assistance
- Minimum balance and salary guidance
- KYC and identity verification support
- Digital banking activation services
- Business account opening coordination
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