Answers to the most frequently asked questions


What is ADCB Hayyak?

It’s our way of welcoming you to ADCB. We have reimagined banking to make your life hassle-free by designing an easy, flexible and convenient way of opening an ADCB account. The app can be downloaded from the App Store or Google Playstore.

Who can use ADCB Hayyak?

If you are a UAE resident, and 21 years of age or older, then ADCB Hayyak is the best way to start your relationship with ADCB.

How can I use the app?

All you have to do is download the ADCB Hayyak app from the App Store or Google Play. Remember to keep the following documents ready before you begin:

  • Your Passport
  • Your Emirates ID

After you’ve downloaded ADCB Hayyak, please follow the onscreen instructions to get started.

How is ADCB Hayyak different?

ADCB Hayyak puts you in control. You can get started in your preferred language, English or Arabic, and choose between opening a Current account (with cheque book) and Savings account. You can also choose between regular and Shari’ah compliant solutions. Apply for a Credit card and start making online purchases immediately, subject to eligibility.

ADCB Hayyak can be customised to suit your requirements:

  • You can choose how your name appears on your Debit and Credit card.
  • Decide to get your Welcome Kit delivered to your doorstep or to pick it up from one of our conveniently located branches.
  • Upgrade your credit card limit, subject to eligibility.

How can I start my relationship using ADCB Hayyak?

After you’ve downloaded ADCB Hayyak, follow the onscreen instructions to get started in three simple steps:

Step 1 - Scan your Passport and Emirates ID and tell us how you would like to use the account

Step 2 - Personalise your banking experience with a few basic details

Step 3 - Your account is immediately set up and ready to use. Your welcome pack is ready to be collected at conveniently located branches or delivered straight to your door.

All you need is your smartphone, and your identification documents handy to open your account from the comfort of your home or office.

On the screen I can see ‘Register’ and ‘Continue your application’ – What is the difference?

You will need to ‘Register’ if you are applying for the first time. It’s fairly simple, all you have to do is click on ‘sign up’ and follow the on-screen instructions.

What’s great about ADCB Hayyak is that you pick up from where you have left off. To continue from where you last stopped, all you need to do is ‘Continue your application’, enter your mobile number and follow the on-screen instructions.

What are the banking products I can currently get through ADCB Hayyak?

We have personalised experiences for all customers, so you can choose to apply for a Current or a Savings account. Subject to eligibility criteria, you may choose to apply for a Credit Card as well.

What do I do if I don’t receive my OTP?

We always send messages in real-time. A response usually takes anywhere from 2 seconds to 15 seconds right after you request for an OTP. Sometimes you may face delays and errors depending on the network of your mobile service provider. In case this happens, just click on ‘Resend OTP’ and a new OTP will be sent to you. If you continue to face an issue, just give us a call on 600 502030 from your registered mobile number. Choose your preferred language and press 4 for ADCB Hayyak enquiries and our contact centre agents will be happy to assist you.

Why do I need to upload my signature?

Your signature is required for cheque book issuance so that you continue your banking experience seamlessly, without coming to an ADCB branch. 

How will I know my Account / Credit Card details?

After you complete the journey, ADCB Hayyak takes you to your personalised dashboard, where you can see Account and Credit Card details

Can I add my debit card and credit card to my phone wallet?

Yes, once you receive your Welcome Kit, simply add your ADCB cards by scanning your physical card or manually inputting your card information into Samsung Pay and Apple Pay.

When will I receive my cheque book and cards?

We will usually deliver your welcome kit within 48 hours of opening the account. To make sure you’re always protected, we’ll securely verify your Emirates ID and fingerprints at the time of your Welcome Kit delivery. Your account will then be fully operative for immediate use.

I opened my account and deposited funds into it, so why am I not able to withdraw funds?

For your safety and security, we have disabled withdrawals on your account, until we deliver your welcome kit.

Where can I use my digital credit card?

You can immediately use your credit card for online purchases. Please remember to activate it from the dashboard before you use it.

Do I need to activate the debit card and credit card and set up a PIN for both the cards separately?

Yes, you need to activate and set a PIN for both your debit and credit card separately.

Can I request for an increased limit on my credit card?

You have the option of choosing a standard limit of AED 5,000 or your full eligible limit through ADCB Hayyak. If you choose to accept your full eligible limit, you will either need to scan your salary certificate or give us your IBAN account where your salary / income is being transferred. AED 5,000 will be made available as your credit card limit for your immediate use. Once your welcome kit is successfully delivered to you, your upgraded limit request will be reviewed and we will keep you informed on the status of your request within 3 working days.

If you have chosen an Islamic Credit Card through ADCB Hayyak, remember that we have one additional step where you will need accept the Islamic Contracts on your dashboard.

Will I get rewards for using my account our credit card?

Yes, you are automatically enrolled for the ADCB TouchPoints Rewards Program. With TouchPoints, you get rewarded for everything you do with ADCB. From spending with your credit or debit card to paying your bills online and much more. You can redeem your TouchPoints instantly at merchant outlets or for shopping vouchers and airline tickets.

What should I do if I experience difficulty downloading or using the app?

If something isn't working right, you can try restarting or re-setting your handset. If you still experience difficulty you can try deleting and then re-installing the application. If problems persist please write to or call our Contact Centre on 600 50 2030.

What is the agent code when I open my account using the app?

The agent code is an optional entry at the time you open your account. This is only applicable if a Sales Representative from ADCB is helping your account opening process with Hayyak. The sales representative will tell you the code which needs to be entered. If you are opening the account without any assistance you may leave the field blank.

What does the ‘Add funds’ option do?

The “Add funds” option allows you to scan a UAE bank Debit Dard and to instantly add funds to your newly opened ADCB account. It is a one-time option shown to you at the time of account opening enabling you to fund your ADCB account and enjoy the benefits of banking with ADCB.

What cards are allowed for the “Add funds” option?

You may use any Debit Card issued by a UAE based bank. Credit Cards are not allowed for this transaction

What do I do if scanning my debit card doesn’t work?

The App offers you the choice to enter details of the UAE bank debit card and proceed with the transaction

What do I do if adding funds to the ADCB account using my debit card fails?

There is a rare possibility of a technical failure during the transaction. In such a case, please check if the amount has been debited from your account. If yes, the amount will be credited to your ADCB account as soon as ADCB received the funds (2 - 3 days).

Branches & ATMs