ADIB | Frequently Asked Questions - FAQ (2022)

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The Ghina Savings Account is a new program, so you will need to open a new account and deposit funds into the account in order to participate.​

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Yes, theADIB Ghina Savings Account is based on Mudaraba, and is a demand deposit account where the customer either reaps profits or bears losses. The program has been reviewed and approved by our Shari’a Board.​

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You may save as much as you want. However, you must start with a new cash deposit of AED 20,000 in order to be eligible for the Welcome entry (an electronic coupon which you will receive upon). You will also receive one entry for every AED 20,000 that you maintain for a calendar month or deposit in your account.​

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All you need to be eligible for the grand draw are four draw entries. Which means you, for example, can save AED 20,000 for three calendar months right from the beginning of the program (total of three entries plus the one Welcome entry), or you can save AED 60,000 for one calendar month (again, plus the one Welcome entry). Either way, you are eligible.​

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The grand draw takes place every 4 months.

Grand Draw datePrizes
August 2015AED 3 Million for 1 winner or 3KG of gold for 3 winners *
December 2015AED 3 Million for 1 winner or 3KG of gold for 3 winners *

* To enter the draw to win 1KG of gold you need to deposit AED 250,000 into your account. 1KG of gold per winner. A total of 3 winners of gold.​

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You will need to deposit AED 250,000 into your account. Also automatically, you will be upgraded to Gold priority customer status.​

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Yes, you will be automatically entered into the draw as long as you have a balance of AED 20,000 or multiples thereof in your balance.​

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The program calculates your balance from the 1st of the month, and completion of the required month is from the 1st of one month to the 1st of the next month. If you deposit into the Ghina Account at any time during the month, you will be issued a draw entry at the beginning of the month after the next calendar month. For example, if you deposit 40,000 on 25th of March, you will immediately receive the Welcome entry. You will also earn another 2 coupons (1 for each 20,000 on your account) during April which will be credited in the beginning of May.​

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If your ADIB Ghina Savings Account balance falls below AED 20,000 at any time during the calendar month, you will lose all the collected entries including the Welcome entry, and you will start again. The program’s aim is to encourage good saving practices, and staying in the program will help customers reap the benefits of such practices.​

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It really depends on how many ADIB customers participate in the program. But the more you save, and the longer you maintain your balance above AED 20,000 or multiples thereof, the more chances you have of winning.​

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You can buy or build your property through one of our products below:

Owner to Owner - finance a ready property, previously owned

Re-financing takeover - bring over, your home finance (e.g. from another bank) to be financed by ADIB.

Developer's financing - finance a property from major developers that we work with.

Construction financing - building (constructing) a property on a land you own or has been given to you. Up to 2 units with PHLAN programme.

Equity Release - follow your dreams, use the cash trapped in your home through purchase and lease back.​

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UAE nationals and expats residing in the UAE, aged 21 and above.​

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Salary certificate

Bank statement

Additional income verification

Passport copy (plus valid resident visa for expats)

Khulaset Al Kaid (Family book - for UAE Nationals only)

Other documents may be requested when you speak to our Home Finance Officers, and further documents might be needed during the application process.​

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No, however, transferring your salary to ADIB will provide you with more favorable financing terms.​

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No problem. Al Khair liabilities settlement scheme enables you to easily settle all your financial liabilities. Just ask your Home Finance Officer for details.​

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Burooj Properties

Bani Yas Real Estate

Bloom Real Estate

Sorouh Real Estate

Manazel Real Estate

Aldar Properties

Emaar Properties

Nakheel Properties

Dubai Properties

TDIC (Tourism Development and Investment Company)

You can always finance any property with a title deed registered at the Land Department.

Please ask your Home Finance Officer for the latest details and special arrangement with developers.​

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AED 20 million for UAE nationals and AED 10 million for expats. The maximum amount available for your finance however, depends on your salary and your financial situation.​

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Yes indeed. ADIB Home Finance programme has a self employed product for your convenience.​

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ADIB will register the property in the name of the client.​

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The minimum age is 21 for UAE nationals and expats. Please note that the financing tenure plus the customer's age cannot exceed 65 for nationals and expats.​

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Takaful life insurance through an Islamic Takaful company. You can have the choice of purchasing the Takaful protection policy or instructing ADIB to do so and adjust the rental payments.​

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As the legal owner of the property under our Ijarah model, ADIB pays the full amount of property Takaful insurance for your investment protection.​

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ADIB will always have the client's best interest in mind when structuring financing, therefore we base our finance amount on a professional evaluation and/or the purchase price, whichever is lower.​

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ADIB offers up to 25 year's financing or to the maximum the customer and/or the property age permits.​

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ADIB is always striving to provide the best service and the best rate. We offer our home financing at very competitive rates based on the product. Currently ADIB offers a 4.49% profit rate EIBOR linked with 5 year fixed option at 5%. For more details, please consult your Home Finance Officer.​

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In general, the minimum salary requirement is AED 10,000 for UAE nationals and AED 15,000 for other UAE residents. However, other factors will play a role in qualification, such as the purchase price, down-payment, tenure and other debts and liabilities.​

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1 business day for approval and about two weeks for full processing of a standard case. Each case is treated independently however, and assessed at the time of application.​

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Two people per application are allowed so you can always apply with your spouse or first degree relatives.​

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ADIB Instant Finance is a revolutionary innovation that automates the process of Goods Financing. It is designed to help customers purchase goods instantly, without paperwork at the merchants’ outlets.​

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You can save in ADIB Savings accounts in AED and USD, but your eligibility calculations are based on AED currency and AED currency conversion rates.​

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Goods purchased under the Instant Finance program receive quick and instant processing of finance. This saves you time: what used to be done in days will now take less than 30 minutes.​

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Normal Goods FinancingInstant Finance
Visit to the branchYesNo
Quotations requirementYesNo
Lengthy paperworkYesNo
On-the-spot financeNoYes
Best profit rateYesYes
Availability of financeLimited to branchesBranches & Merchant outlets​

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Being a guardian, we encourage you to save for their future by opening the Ghina Savings Account under their name.​

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The features of Instant Finance are:

  • Break a large transaction into smaller ones
  • ADIB helps the customer in financial planning / budgeting
  • Installment program instead of paying cash
  • No visit to the branch required (if availed within the “on-the-spot” limit)
  • No quotations addressed to ADIB
  • No lengthy paperwork
  • No queue for processing of the financing required
  • Very simple documentation process for non-ADIB customers
  • No hidden costs
  • On-the-spot finance approval
  • Availability of finance at different merchant locations across UAE​

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Instant Finance will be offered to salaried individuals. The product will be offered to customers that have a Salary Transfer with ADIB & at a later stage for those ADIB customers whose salary is not deposited in ADIB.​

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RequirementSalary Transfer CustomerNon-Salary Transfer Customer
UAE National / ExpatWith ADIB Chip Card that has Instant Finance (Debit / Covered): required for use in POS machine

All other ADIB Cards (Debit / Covered): required for verification with ADIB Call Center

With ADIB Chip Card that has Instant Finance (Debit / Covered): required for use in POS machine

All other ADIB Cards (Debit / Covered): required for verification with ADIB Call Center

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No. You have only one Instant Finance limit, which takes into account all relationships held with the bank. Your limit will be re-calculated depending on changes in these relationships.​

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All draw entries are Electronic and they are entered automatically every Tuesday (end of day) that comes before the second Thursday of the month. All the entries collected during the period before the final draw will be entered into the raffle. After the final draw is conducted, all collected entries included in the final draw will be dropped except for the Welcome entry.​

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No. Your Covered Card limit and your Instant Finance limit on the card are different.​

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The Merchants are ADIB’s partners who have teamed up with ADIB to carry out the Instant Finance program for the bank. They have been carefully selected as per Business, Shari’a and Legal requirements. You can purchase goods from these Merchants by availing the Instant Finance program.​

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The Merchant list is available on our website.​

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Instant Finance is a real-time e-Murabaha program where ADIB buys the product at your chosen Merchant's outlet and instantly sells it to you on the agreed terms of tenor and profit. All Murabaha conditions are taken into account, such as inspection and allocation of goods and delivery to the customer.​

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The program is activated for all ADIB customers (limits vary according to each individual). The limit for each customer is pre-determined and set by ADIB according to our credit criteria.

If you have a registered mobile number with ADIB, you will receive an SMS informing you of the availability of Instant Finance. All other ADIB customers would need to visit an ADIB branch to register for Instant Finance (on an exception basis only).​

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No, you will keep your entries for the next big draw and the entries that have been collected will remain in your account.​

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No, there is no charge to activate or sign-up for the program. ADIB will give you a pre-determined limit right away. You will receive an SMS informing you of the availability of Instant Finance.​

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It is because you have met the Instant Finance eligibility criteria outlined by ADIB.​

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You may de-activate your Instant Finance by contacting the ADIB call center or visiting any branch.​

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You can contact the ADIB Call Center and ask about your on-the-spot and full limits.​

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On-the-spot limit does not require a security cheque. Full limit requires a security cheque to get the enhanced limit.​

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Goods
Minimum Tenor - UAE National OR Expat3 Months
Maximum Tenor - UAE National OR ExpatInstant Finance transaction worth b/w AED 1,000 & AED 10,000: 24 months
Instant Finance transaction worth b/w AED 10,000 & AED 250,000: 48 months

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Any increase or decrease in debt in relation to your salary (if salary is credited to ADIB) will be calculated and the Monthly Financing Limit will be changed in the system.​

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If you are a Salary Transfer customer, you can visit a branch and request for a limit increase. Your request will be forwarded to the Credit & Risk Management Team and they will update your MFL according to the product criteria. ,

The Bank reserves the right to increase the customer’s MFL as per its discretion in all cases.​

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If you apply and your Murabaha finance is approved, our staff will update your MFL limit to reflect the new finance.​

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Yes. There are product categories with different profit rates. Within each category, however, there are no differences in rates.​

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Profit BracketGoods
AED 0 - AED 50,0001.25% per month
AED 51,000 - AED 100,0001.25% per month
AED 101,000 - AED 200,0001.25% per month
Above AED 200,0001.25% per month

The prevailing Instant Finance profit rates for each bracket are subject to change. To ask about current Instant Finance profit rates, you may contact the ADIB Call Centre.​

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The DANA brand mark was inspired by the deep meaning and value of the ''pearl'' in our surrounding culture. The word 'pearl' means "DANA" in Arabic. This naming is to add value to our imaginary image that is became reality; the name "DANA" has its own significant value as it is used for dearly belongings, and it is also a much appreciated female name. This adds a strong impact to our choice of the name "DANA". And we consider our valued customer is our 'Dana'​.

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​In Dana Women's banking we offer special customized products for the target group of women clients along with dedicated distribution channels. We recognize that women have different needs and require a more personalized approach to banking. Therefore we have worked on consistent sub segments with the bank's priority banking (Gold & Diamond) customers, where we have created unique services for our VIP female customers (Dana Gold & Dana Diamond).

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Abu Dhabi Islamic Bank has a clear understanding that our women success is the bank success, ADIB has developed a highly innovative and strategic range of products and services to meet every aspect of your financial requirements be it personal or business related.​

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We offer you access to world class banking privileges while still respecting your culture values. From current and savings Accounts to Financing Products.ADIB Dana Accounts: Current Account, Savings Account, Time Deposit Investment Account, Short Term Investment Account, Banoon Children's Savings Account, Ghina Savings Programme ADIB Dana Financing Products: Al Khair Liabilities Settlement, Car Finance, Travel Finance, Education Finance, Shares Finance, General Finance, Home Finance. ​

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Yes, and you are welcome to visit us in our exclusive segregated Ladies branches which are distributed throughout UAE regions for your comfort and privacy while doing your day to day banking needs.​

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​ADIB Dana offers you five convenient ways to manage your accounts wherever you are, whenever you wish.

i.ADIB Dana Network of Branches

ii. ADIB ATM Network

iii. ADIB Phone Banking Services

iv. e ADIB Online Banking Services

v.ADIB Mobile Banking Services

vi. SMS Banking Services

vii. ADIB Dana Kiosks​​

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ADIB will take care of and monitor all your draw entries. You may check on your entries through the following:SMS:You can send SMS “CPN” to 2400 to find our about the current balance of your entries.ADIB Customer Service Line:Please call us for enquiries at 800 2288.​

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Every winner is contacted by ADIB through the list of phone numbers available in ADIB’s system.​

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The draw is conducted under the supervision and scrutiny of the Abu Dhabi Department of Economy.​

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We announce the grand prize winners through the ADIB official Facebook page and on the website(click here to view the winner)

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Ghina offers enhanced chances of winning for high-deposit holders. If you save more than AED 250,000, you receive one additional entry for every four entries, thereby increasing your chances of winning.​

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Yes, if you are an existing ADIB customer you can go online and open a Ghina savings account in a seconds.​

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ADIB staff cannot participate in any Ghina draw.​

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No. There are no postponement options for Instant Finance.​

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ADIB enjoys tie-ups with most of the governmental subsidy programmes, such as:

PHLAN (Private Housing Loans for Nationals)​

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You only need to bring your ADIB card (debit/covered card)​

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ADIB as your financial partner will work on a practical solution that is mutually beneficial for both parties.

You can find out more details of these and other programmes by contacting our Home Finance Officers.

Take the first step towards settling in to your dream home. Call our toll-free customer service line on 800 2288 or SMS "Home" to 2400.​

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Unlike Sukuk where your money is not always accessible immediately, Ghina’s main feature is that you can withdraw your funds any time. You will even receive a debit card which you can use to access your money.​

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Yes. You can give part of the payment to the Merchant in cash. An ADIB Representative will note the part payment when entering the details of the goods. The amount paid in cash upfront as part payment will not be included as financing taken from ADIB.​

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The maximum “full” limit available is 20 times the customer’s salary for both UAE Nationals & Expats. In addition, the Debt Service Ratio should not exceed 50% of this amount. The limit is capped at AED 250,000. Since these limits are subject to change, please contact our call centre to know the exact available limit.​

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Type of CardUAE NationalExpat
Salary Transfer customer with chip Card with Instant FinanceAED 50,000AED 30,000
Salary Transfer customer with chip Card without Instant FinanceAED 10,000AED 5,000
Salary Transfer customer with old magnetic strip CardAED 10,000AED 5,000
Those customers whose salary is not deposited in ADIBAED 10,000AED 5,000

Since these rates are subject to change, please contact our call centre to know the exact available limit.

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As per the Covered Card policy, the grace period is up to 55 days for goods. This can change so please make sure to call us about policy updates.​

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Yes. Special promotions with Merchant partners will run at different times of the year. These offers will be updated on a monthly basis and you will be updated through SMS, leaflets inserts in monthly bills or on our website.​

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Yes. The Instant Finance facility is available to the supplementary cardholder (covered card). The limit on that supplementary card will be determined as per the supplementary card relationship limit determined by the primary cardholder.​

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Yes. There is only one fee, which is charged if you make a delayed monthly Instant Finance installment payment.​

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Yes. All warranties, extended warranties, gift certificates, after sale service and installation and delivery of goods and return of goods in accordance with the Merchant policies will be transferred to you after the goods are purchased from ADIB.​

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Please call the Call Center immediately and tell them of the disputed transaction. Call Center Agent will guide you on the steps of logging a complaint and assist you with this disputed IF transaction. It will be resolved as per ADIB’s dispute resolution process.​

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If you lose your card, please contact the call centre immediately to block the Debit or Covered Card.​

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Simply contact our call centre and speak to an agent to find out.​

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No. Currently, Instant Finance only deals with goods finance. Soon, however, car finance and travel finance will also be included in the program.​

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Yes, if your salary is being credit to your ADIB account.​

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Banoon Account is a Saving Investment Account that is based on the Islamic principle of Mudarabah.
Banoon Account is designed specifically to assist you to save for your children for their future needs such as their education.​

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In order to assist you in saving for your children, we made the withdrawal facilities limited in Banoon account where you will be able to withdraw money through the ADIB tellers only.

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The table below shows the profit rate for the month of August 2014;

From 5K – 10K 10K – 25K 25K – 250K 250K & above
0.450%0.460%0.470%0.560%

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You do not need to visit the branch every time to save for your child. You can transfer money through the internet, mobile app or upon your request we will activate the frequent transfer order from your primary account to Banoon account where you will be able to save easily and on continuous basis.

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Mudarabah is a contract between the Bank and a customer; whereby one party provides the funds (Rab Al Mal); in this case the customer and the other party (the Mudarib); in this case the Bank invests these funds in a project or a particular activity. Any profits generated from these funds are distributed between the parties according to the profit shares that were pre-agreed upon in the contract.

The Mudarib is responsible of all losses caused by his misconduct, negligence or violation of the terms and conditions of the Mudarabah; otherwise, losses are borne by Rab Al Mal.

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You do not have to pay any charges for amount below opening balance.

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Profits are calculated based on the minimum balance available in the Banoon Account during a month. Profits are calculated on monthly basis and credited to Banoon accounts on quarterly basis (January, April, July & October).

The minimum balance in Banoon account for profit entitlement is AED 5,000 per month.

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Darhoom is a special cartoon character created by ADIB to teach children about the importance of saving in a fun and easy way.

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Darhoom Card the first prepaid card for your kids in the UAE. It allows your child to withdraw cash, purchase items, and shop online.

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Banoon account can be opened by the Guardian who is the father, the grandfather or the uncle in most cases. It can also be the one assigned by the court called the Official Custodian.

The mother can open the Banoon account under Heba as well; whereby the funds are transferred from her to her child. The mother will be requested to sign the Heba Declaration upon opening this account and will become a grantor in this case.
The mother can request to close an account any time. She can also request to withdraw money through branch tellers only.
We have limited the grantor to be for mothers in the first phase of this account where we could be opening it to include anyone who wants to donate money for children, starting with the first relative degree.

Documents required for Guardian/Custodian/Grantor to open the Banoon Account include:
•Complete Banoon Account Opening Application form - Grantor.
•Passport of the mother.
•Passport of the child.
•Valid Visa for expatriates.
•AED 1,000 as opening balance.

To open Banoon Account, you can contact us via:
SMS Banoon to 2400
Email us at Banoon@adib.com
Visit any of ADIB branches or website at www.adib.ae
Toll free number 800-22-88

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Money is conveniently loaded from your (parent’s) account to your child’s card. The money can be loaded through branches, internet or mobile banking.
For every transaction that takes place on your child's card, you receive an instant SMS enabling you to track their spending.

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Your beloved child will have the chance to have fun with the great range of deals and offers at their favorite shops as they get educated on savings through Darhoom Cards.

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Get unlimited cashback, discount on international round trip via, free access to VIP Airport Lounges worldwide, complimentary road assistance service and much more with our Dana mastercard.​​ ​To know more click here.​

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ADIB DIRECT is Abu Dhabi Islamic Bank’s NEW Corporate ADIB Direct platform which would replace eADIB platform in a phased approach

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ADIB DIRECT can be accessed from https://adibdirect.com/iportalweb
OR Go to www.ADIB.com > Login > ADIB Direct

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ADIB Direct is best experience using Edge, Google Chrome V 69, Fire Fox V 61 and Apple Safari V 10.1 and above

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ADIB Websecure is an additional security layer to further protect you when using your ADIB Debit or Covered Card for online purchases.​

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ADIB Websecure protects you against unauthorized transactions when shopping online since the transaction will be authorized only when you enter your personal ADIB Websecure password

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This is a service provided by Visa and ADIB to protect you when performing online purchases using your ADIB Visa Debit or Covered Card.

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The service is free for ADIB Visa Debit and Covered Cardholders.

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No. The ADIB Websecure Service will protect your existing cards.

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Your card will be prompted for registration when you are shopping online on an ADIB Websecure Merchant website. You need to ensure that you have a valid mobile number registered with ADIB. This will enable you to receive the "One Time Password" (OTP) that will be required to complete the registration process.

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OTP is a "One-Time Password" which is randomly generated and sent to your registered mobile number with ADIB. By entering the OTP, you will be able to set up your own personal ADIB Websecure password. . You may then use your personal ADIB Websecure password whenever you shop online This is to provide an enhanced level of security on card transactions. The OTP will be sent to your registered mobile number within 2 minutes.

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Yes, supplementary covered cardholders can benefit from this service. Please make sure that you register a valid mobile number for every supplementary card. You can have the same mobile number registered for all your supplementary cards. However, please ensure that a mobile number is registered under the Supplementary card that is being used for transaction because the "One Time Password" (OTP) will be sent to the registered mobile number

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The service is available for your ADIB Visa Debit and Covered Card now and it will work with all ADIB Websecure online merchants.

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No, but a large number of shopping websites are providing this service and the number is increasing every day.

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Enrollment is simple and easy. When you are shopping online on an ADIB Websecure merchant, you will be guided to the ADIB Websecure registration page. An OTP will be sent to your registered mobile number. You will then be required to enter the OTP at the designated place on the website and create a personal ADIB Websecure password for future use You will need to accept the terms of using the service when performing your first ADIB Websecure online transaction.

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  1. When you want to buy something online, usually, you will be asked to enter your basic debit or covered card details (cardholder name, 16-digit Covered or Debit card number, Card expiry date, CVV/CVC code, & mailing address). Then, you will have to submit the details.
  2. After that, a pop up window will appear requesting you to enter your "One Time Password" (OTP). The "One Time Password" (OTP) will be sent to your registered mobile number prior to your online purchase.
  3. Once you submit the "One Time Password" (OTP) correctly, you will be able to set up your personal ADIB Websecure password. The transaction will then be sent for authorization and the merchant website will display a response to you.

In addition to the required information listed above and if this is your first ADIB Websecure purchase transaction, you will be asked accept the terms & conditions for using the service. Once you accept the terms, you will be able to submit the purchase request. This is a mandatory step for every card when using it for the first time to perform an ADIB Websecure transaction.

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No, the ADIB Websecure password is created by you when you register for the ADIB Websecure service for performing online transactions. It is not the same PIN that you use with your ADIB Debit or Covered Card when performing a point-of-sale (POS) based transaction or cash withdrawal from an ATM. It is not the same password that you use to log-on to e-ADIB online banking.

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In case you have not received the OTP, then you may choose to resend the OTP to your registered mobile number. However, please wait for 2 minutes before using this option.

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The registered mobile number is a UAE mobile number which is linked to your ADIB Debit or Covered Card. The last 4 digits of the registered mobile number will be shown to you on the Authentication page when the OTP is sent. If you have not registered your mobile number with ADIB, please contact ADIB Call Center on 600-543216 (within UAE) or +971-2-6100600 from outside UAE.

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Please call ADIB Call Center on 600-543216 (within UAE) or +971-2-6100600 from outside UAE or visit the nearest ADIB Branch.

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When shopping with online merchants which are not ADIB Websecure yet, we recommend the following:

  1. Shop with retailers which are reputable and reliable
  2. Keep a record of your online transactions e.g. bill receipt, order number, etc…
  3. Read the merchant's terms carefully before submitting the purchase request
  4. Read carefully the delivery arrangements, cost, tax, and other information related to the product you intend to buy
  5. Make sure that the website is secured (https://)
  6. Use the latest version of your internet browser and make sure that your computer's operating system is up to date

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If you need any help, please call ADIB's 24-hour Call Centre on 600-543216 (within UAE) or +971-2-6100600 from outside UAE

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ADIB Websecure is an additional security layer to further protect you when using your ADIB Debit or Covered Card for online purchases

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ADIB Websecure protects you against unauthorized transactions when shopping online since the transaction will be authorized only when you enter your personal ADIB Websecure password

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This is a service provided by MasterCard® and ADIB to protect you when performing online purchases using your ADIB MasterCard® Debit or Covered Card.

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This is a service provided by MasterCard® and ADIB to protect you when performing online purchases using your ADIB MasterCard® Debit or Covered Card.

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The service is free for ADIB MasterCard Debit and Covered Cardholders.

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No. The ADIB Websecure Service will protect your existing cards.

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Your card will be prompted for registration when you are shopping online on an ADIB Websecure Merchant website. You need to ensure that you have a valid mobile number registered with ADIB. This will enable you to receive the "One Time Password" (OTP) that will be required to complete the registration process.

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OTP is a "One-Time Password" which is randomly generated and sent to your registered mobile number with ADIB. By entering the OTP, you will be able to set up your own personal ADIB Websecure password. You may then use your personal ADIB Websecure password whenever you shop online This is to provide an enhanced level of security on card transactions. The OTP will be sent to your registered mobile number within 2 minutes.

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Yes, supplementary covered cardholders can benefit from this service. Please make sure that you register a valid mobile number for every supplementary card. You can have the same mobile number registered for all your supplementary cards. However, please ensure that a mobile number is registered under the Supplementary card that is being used for transaction because the "One Time Password" (OTP) will be sent to the registered mobile number.

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The service is available for your ADIB MasterCard Debit and Covered Card now and it will work with all ADIB Websecure online merchants.

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No, but a large number of shopping websites are providing this service and the number is increasing every day.

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Enrollment is simple and easy. When you are shopping online on an ADIB Websecure merchant, you will be guided to the ADIB Websecure registration page. An OTP will be sent to your registered mobile number. You will then be required to enter the OTP at the designated place on the website and create a personal ADIB Websecure password for future use You will need to accept the terms of using the service when performing your first ADIB Websecure online transaction.

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  1. When you want to buy something online, usually, you will be asked to enter your basic debit or covered card details (cardholder name, 16-digit Covered or Debit card number, Card expiry date, CVV/CVC code, & mailing address). Then, you will have to submit the details.
  2. After that, a pop up window will appear requesting you to enter your "One Time Password" (OTP). The "One Time Password" (OTP) will be sent to your registered mobile number prior to your online purchase.
  3. Once you submit the "One Time Password" (OTP) correctly, you will be able to set up your personal ADIB Websecure password. The transaction will then be sent for authorization and the merchant website will display a response to you.

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In addition to the required information listed above and if this is your first ADIB Websecure purchase transaction, you will be asked accept the terms & conditions for using the service. Once you accept the terms, you will be able to submit the purchase request. This is a mandatory step for every card when using it for the first time to perform an ADIB Websecure transaction.

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No, the ADIB Websecure password is created by you when you register for the ADIB Websecure service for performing online transactions. It is not the same PIN that you use with your ADIB Debit or Covered Card when performing a point-of-sale (POS) based transaction or cash withdrawal from an ATM. It is not the same password that you use to log-on to e-ADIB online banking.

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In case you have not received the OTP, then you may choose to resend the OTP to your registered mobile number. However, please wait for 2 minutes before using this option.

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The registered mobile number is a UAE mobile number which is linked to your ADIB Debit or Covered Card. The last 4 digits of the registered mobile number will be shown to you on the Authentication page when the OTP is sent. If you have not registered your mobile number with ADIB, please contact ADIB Call Center on 600-54321(within UAE) or +971-2-6100600 from outside UAE.

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Please call ADIB Call Center on 600-543216 (within UAE) or +971-2-6100600 from outside UAE or visit the nearest ADIB Branch.

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When shopping with online merchants which are not ADIB Websecure yet, we recommend the following:


  1. Shop with retailers which are reputable and reliable
  2. Keep a record of your online transactions e.g. bill receipt, order number, etc…
  3. Read the merchant's terms carefully before submitting the purchase request
  4. Read carefully the delivery arrangements, cost, tax, and other information related to the product you intend to buy
  5. Make sure that the website is secured (https://)
  6. Use the latest version of your internet browser and make sure that your computer's operating system is up to date

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Currently ADIB Direct is available in English language however in the near future Arabic language option will also be included

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Our new Mobile Banking App is called ‘ADIB Business Direct’ and is designed specifically for use on your iPhone or Android smartphone. You can download the app from the App Store or Google Play

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Yes, you can access ADIB Direct anywhere that you have an internet connection

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Please refer to the schedule of charges mentioned on ADIB website, link below

Wholesale Banking Click hereBusiness Banking Click here

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Web

  • Improved usability and efficiency with context-based menus
  • Customizable Dashboard with enriched information reporting and self-service MIS reports
  • Enhanced graphical representation of your key information
  • Configurable Transaction limits for greater security and payment authorization

Mobile

  • Intuitive mobile apps for iOS and Android smart phone / tablet users
  • Variety of Payment Types Available
  • Own Account & Within Bank Payments

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For our existing clients who are already using our current eADIB Portal, we are in process of migrating such customers to our new ADIB Direct portal in a phased approach. You will receive an email from the bank at the time of migration. Further when the customer receives communication, they needs to follow steps as given in attached sheet.

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On first time login to ADIB Direct, you need to use the existing password of eADIB (existing system)

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If you have forgotten your current eADIB Login ID please contact as per below information:
Call ADIB Helpline +971(2) 6578777 for BBD Customers OR Email gtbhelpdesk@adib.com for WBG Customers

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If you have forgotten your current eADIB Password, then please navigate to existing eADIB login page and click on “Forgot Password” option and follow the steps. Once you are through with changing your password on eADIB successfully then you can use the same to login ADIB Direct. You would be asked to create your new password for ADIB Direct after two factor authentication process (OTP) which will be sent on your registered Mobile number with ADIB.

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If your existing Login ID is disabled in eADIB, Please contact as per below information :
Call ADIB Helpline +971(2) 6578777 for BBD Customers OR Email gtbhelpdesk@adib.com for WBG Customers

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For new clients who are not presently using current eADIB portal or are new to ADIB, we request them to reach out to their respective RMs or to any of our ADIB Branches to complete one time registration process to access ADIB Direct platform. Additionally the Registration Form may also be downloaded from our website www.adib.a

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Please reset your password and/or security questions by clicking on the ‘Forgot Password’ option on the login page. Forgot password option is not available through Mobile App.

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If your existing Login ID is disabled in eADIB, Please contact as per below information :

Call ADIB Helpline +971(2) 6578777 for BBD Customers OR Email
gtbhelpdesk@adib.com for WBG Customers

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Please reset your password and/or security questions by clicking on the ‘Forgot Password’ option on the login page. Forgot password option is not available through Mobile App.

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Please make sure that you are using the correct spelling of username, if you still having the same issue, communicate with our customer support helpline. Call ADIB Helpline +971(2) 6578777 for BBD Customers OR Email gtbhelpdesk@adib.com for WBG Customers

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Regenerate the code by clicking on ‘Resend OTP’ or 'Resend OTP on Email'. For further assistance please call ADIB Helpline +971(2) 6578777 for BBD Customers OR Email gtbhelpdesk@adib.com for WBG Customers

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Your existing security token device will be valid for transaction on the ADIB Direct

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Please reach out to your respective RM or contact you nearest branch to send a new token issuance request letter to the service team

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As per ADIB security policy we do not allow the security token device to be assigned to more than one user.

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ADIB always sends notifications on your registered mobile number, including One Time Passwords for use in ADIB Direct. If you would like to change the registered mobile phone number or email address, please obtain and submit an Application form for User Profile Amendment from the nearest branch or your RM mentioning the user id, account number, new mobile number/email address and our related team will update the records accordingly.

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You can register an overseas mobile number with us, and we’ll send your SMS One Time Password to it. However, your mobile service provider may prevent you from receiving the SMS.

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ADIB Direct uses One Time Passwords (OTPs) as a second level of security to authenticate your transactions at the time of authorization
During Online Banking Registration or migration > Online Banking’s One Time Password (OTP) is a 6 digit code generated and sent to your registered mobile number or email address.
This provides a second level of security when you try to login for the first time.
During Payment file upload and payment approvals > ADIB provides physical tokens or mobile app soft tokens which generate a 6 digit code each time on demand. These need to be entered in order to proceed with the upload or approval action.


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  • View balance (accounts and cards)
  • View transaction history and details of each transaction
  • View your account statement & export in different formats (excel, pdf)
  • Transfer money between your own accounts or cards in ADIB (Book Transfer)
  • Transfer money to other accounts or cards in ADIB (Book Transfer)
  • Transfer money to other accounts or cards in the UAE (Domestic Payments)
  • Make international transfers by transferring money to banks outside of the UAE (International Payments)
  • Pay Salaries (WPS or non-WPS)
  • Pay your Utility Bills
  • Manage your beneficiaries
  • Schedule all your payments for recurring transfers
  • Initiate Service Requests (SR) for cheque books, account opening, finances and covered card
  • Setup standing instructions with various frequencies. (daily, fortnightly, weekly, monthly)

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From the web portal you may also view, search and export the Payment transaction history for the last 6 months while from the Mobile app you can view payment transaction history for the last 6 months

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From the web portal you can view and download your account details / history for the last 5 Years within a date range of 6 Months while the mobile app shows account history for the last 2 months only.

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You may download pre-generated estatements for the last 6 months from the web portal. For subscribing to estatements please contact your relationship manager or nearest branch.

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Yes, a future value date may be selected on the payment initiation screen for processing on the future value date

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The transaction status will change to 'Processed by Bank' in the account summary widget.

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Please Call ADIB Helpline +971(2) 6578777 for BBD Customers
OR
Email gtbhelpdesk@adib.com for WBG Customers

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SHA charges
ADIB charges for the transfer are debited from your account. Correspondent bank and/or beneficiary bank charges, if any, will be deducted from the amount that the beneficiary receives.

OUR charges
You will bear all charges. Fee for both ADIB and Correspondent bank and/or beneficiary bank will be debited from your account. The beneficiary will receive the full amount of the transfer.

BEN charges
Beneficiary will bear all charges. Fee for both ADIB and Correspondent bank and/or beneficiary bank will be debited from the beneficiary and he will receive the deducted amount.

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Yes, you can create bulk payment upload files and salary upload file as well.
For detailed help Please refer to the online flash help demos on the below link https://adibdirect.com/iportalweb/iportal/demo_files/index.html

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Yes; the bulk payments is secured with encryption technology (AES 256 protocol). We provide an option on ADIB Direct to download the encryption tool to encrypt the payment transaction files before the upload process. Once the encrypted file is uploaded by the client ADIB Direct will be able to decrypt and process the same at bank end.

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With ADIB Direct you don’t need to worry about administration tasks anymore. ADIB Direct Just visit the nearest branch in order to fill and sign a request form for adding or amending any existing setup information or access right. All such requests will need to be signed by authorized signatories of the company.

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With ADIB Direct you don’t need to worry about administration tasks anymore. Just visit the nearest branch in order to fill and sign a request form for adding or amending any existing setup information or payment approval workflow. All such requests will need to be signed by authorized signatories of the company.

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You can create a beneficiary while initiating a payment by saving the beneficiary information for future use. Beneficiary may also be created from the Add Beneficiary option on the Account Services tab

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Beneficiaries may only be created using the web portal

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Yes with ADIB Direct, you can upload the beneficiaries list which may be used to initiate transactions later

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No approval is required from ADIB; once the beneficiary is created by the initiator it would need approval by client authorized signatory.

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