^FAQ Frequently Asked Questions (FAQ)

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.

If you are a UAE resident, and 18 years of age or older, then ADCB Hayyak is the best way to start your relationship with ADCB.

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 Personal Loan or a Credit card, subjected to eligibility.

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 select from a range of accounts, credit/covered cards, or personal loan/finance options.
Step 2 - Personalise your banking experience with a few basic details
Step 3 - Your account will be set up instantly and ready to use. Your welcome pack will be delivered right to your doorstep.

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

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 ‘New User’ 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 click on ‘Returning User’, enter your mobile number and follow the on-screen instructions

We offer personalised experiences tailored to each customer, allowing you to apply for a Current or Savings Account. If eligible, you may also apply for a Personal Loan or Credit Card.

Elevate your banking journey with premium benefits designed just for you by selecting a segment that best suits your needs. To learn more about available benefits and eligibility criteria, click here.

For the applicable Schedule of Fees, please click here.

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.

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

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

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.

We will deliver your welcome kit to your doorstep soon. Once the welcome kit is delivered, your account will be fully operative for immediate use.

For your safety and security, withdrawals on your account are temporarily disabled until we verify your documents.

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

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.

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 [email protected] or call our Contact Centre on 600 50 2030.

Uninstall WebView Updates

• Go to `Settings` on your phone > `Apps` > `Android System WebView`.
• Tap `Uninstall updates`.
• Restart your device and revisit Hayyak to resume journey as a ‘Returning User’.

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.

On the ADCB Hayyak App, if you are eligible for a loan, the personal loan/finance product will be displayed for you. Simply state your loan requirements, and the loan eligibility calculator will show you the available options. Select the best option and complete the process on the app. A new ADCB account will be opened instantly, and your loan application will be sent for review. You will need to ask your employer to transfer your monthly salary to ADCB and provide a confirmation letter to process your application. Your Personal loan is granted against the assignment of your salary and end of service benefit (gratuity) in favor of ADCB, which acts as security for the personal loan taken by you.

The loan eligibility is subject ADCB terms and conditions and may go up to a maximum of 20 times your monthly salary.

An additional one-time fee applies to the loan processing fees and for a life insurance cover.

The UAE Central Bank mandates a minimum monthly income of AED 5,000 for any loan from a bank. The salary that is shown on your pay-slip or bank statement should be AED 5,000 or higher. This means any variable component like allowances cannot be included.

"ADCB needs to verify your employment details and have your salary transferred to ADCB. Within one working day, an ADCB representative will contact you to guide you through the process and set up an appointment to collect the necessary letter and obtain signatures on a security cheque for the loan amount. "

Yes, Sharia ’h compliant Islamic finance is an option available on the App. You need to select the Islamic option at the time of starting your journey on the Hayyak App.

The loan amount is credited to your account upon collection of the salary transfer letter, signed security cheque from you, by our representative and successfully meeting the eligibility criteria.

Once your account is opened and your documents are verified (within one working day), your welcome kit will be generated and dispatched. After this, you can track your welcome kit on the Hayyak App.

Simply select the ‘Returning User’ option to log in and follow the on-screen instructions to view the latest status of your welcome kit on your personalised dashboard.