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Personal Finance Facility Against Salary


Keep moving ahead

With Finance Against Salary, you can instantly access cash when you need it the most.

access to cash
3x Up to
annual fee

Keep in mind

  • Salary transfer of AED 12,000 or more is required.
  • One-time setup fee of AED 210.
Features & Benefits

  • Instant access to cash when you need it
  • Limit of up to 3 multiples of your salary
  • Automatically covers cheques if your account has insufficient funds
  • Pay only on the amount and time period used

Fees & Charges

  • One-time setup fee of AED 210.
  • For detailed fees and charges please click here.


  • Application form
  • Salary transfer letter
  • Liability letter (applicable if liabilities are with another bank)
  • 3 months’ bank statements (applicable if the account is with another bank)
  • Passport copy

Approved by the Fatwa & Shari'ah Supervisory Board

To view the Fatwa, please click here.


All financing is made available at the sole discretion of ADCB-IBD and is subject to ADCB Islamic Banking Terms and Conditions and submission of acceptable documentation.

Enjoy a world-class customer experience when you bank with us.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.
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Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain

Other ways to apply

Contact centre

Contact centre

Call our 24-hour contact centre on 600 56 2626.

Visit us

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you