Any business entity incorporated in the UAE with a valid commercial license issued by a relevant UAE government authority can apply for a Business Choice Account.
For businesses with annual turnover more than AED 5 million, please refer our specialized Commercial Banking proposition – click here.
Smart Start Accounts are restricted for transactions within the UAE in AED; outward or inward foreign currency/cross border transactions are not allowed through this account.
Smart Start Account clients can request a Business Choice Account, which is enabled for foreign currency transactions, after a period of one year.
Yes, all three business account types are available as fully Shari’ah-compliant variants from ADCB Islamic Banking.
|Account Type||Minimum monthly average balance* requirement||Monthly charges applicable if the minimum monthly average balance is not maintained|
|Business Choice Accounts||Silver – AED 10,000
Gold – AED 50,000
Platinum – AED 100,000
|Silver – AED 150
Gold – AED 200
Platinum – AED 300
|Smart Start Accounts||Zero||Not Applicable|
|e-business Accounts||Zero||Not Applicable|
*Monthly average balance is calculated from the 26th to the 25th of the following month.
Yes. The following account maintenance charges are applicable by account type:
|Account Type||Account maintenance charges|
|Business Choice Accounts||Zero if minimum monthly average balance is maintained in the account. Otherwise, corresponding minimum monthly balance charges shall be applicable.|
|Smart Start Accounts||AED 105 per month (including VAT)|
|e-business Accounts||AED 1,800 per annum collected upfront|
|Account Type||Cheque book||Branch Teller Transactions||Debit Card||Online Banking Channel|
|Business Choice Accounts||Silver – 4 free per year
Gold – 1 free per month
Platinum - 3 free per month (25 or 10* leaves)
|Silver – 15 free per month
Gold – 30 free per month
Platinum - Free
|Yes||ADCB Personal Internet Banking and Mobile Banking App*|
|Smart Start Accounts||1st book free (50 or 10* leaves)||Chargeable by transaction type||Yes||ProCash|
|e-business Accounts||1 free per year(25 or 10* leaves)||Free||Yes||ADCB Personal Internet Banking and Mobile Banking App*|
*Business Choice and e-business Account clients may opt for ProCash access for an additional AED 210 per month (inclusive of VAT). For more information on the ProCash solution, please visit – link.
You can conveniently access your account through ADCB Personal Internet Banking (IB) and the ADCB Mobile Banking (MIB) App.
To register for ADCB Internet Banking, please follow the below steps:
No, access to ADCB Personal Internet Banking and the ADCB Mobile Banking App is free of charge.
ProCash is a corporate banking platform for accessing your business account online and making day-to-day business transactions such as bill payments, salary payments, transfers, etc. For more information on the ProCash solution, please click here.
To access ProCash, please click here to view the user guide. For further assistance, please feel free to call our 24*7 ProCash helpline number 600-547779
Yes. It is mandatory to provide a renewed Trade License and update any changes to company activity, ownership or company name with ADCB to ensure that all company information is up to date. Expired Trade License charges of AED 150 per month shall be applicable on the company account if the same is not updated within 30 days of expiry. Failure to provide a renewed Trade License with updated company information may result in blocking or closure of the account.
You can update renewed Trade License through one of the three options below:
Yes, you can upgrade or change your Business Choice Account package with applicable corresponding charges and transaction benefits by placing a request at any ADCB Branch.
Yes. You can pay salaries to the company employees through ProCash.
If your Ministry of Human Resources and Emiratisation (MoHRE) ID is already updated in our system, you can start using WPS instantly on ProCash.
If your MoHRE ID is not updated, please visit an ADCB Branch and update the MOL Id to enable WPS on ProCash.
There is no charge for WPS salary payments made through ProCash.
To cancel the ProCash subscription, place a request at any ADCB Branch.
To add/delete/change the Authorized Signatory information, visit your nearest ADCB Branch with the below documents.
Loan/Credit Card/Trade Finance Facility are unavailable for this business segment. However, if your business is eligible as per the Bank’s criteria, you can upgrade to a Commercial account and enjoy business loans and other facilities as per your eligibility. This will be subject to approval.
Personal and Business Choice Accounts being separate account relationships, they have to be accessed separately. Each account relationship access requires separate registration on the mobile application and since there can be only one instance of the application on a mobile device, only one account relationship can be registered at a time. So two separate mobile devices need to be used to access both the account relationships separately through ADCB Mobile Banking.
Alternatively, you may use one of the options to access the other account, which is not registered on ADCB Mobile Banking –
In case if you have registered one of the account relationships on your mobile and would like to change to the other account relationship, you will need call our Contact Center to deregister the existing account relationship.