Personal Finance Personal Finance – Expatriates


Whatever your ambitions, we have financial solutions that will make you feel at home with your money

We design our personal finance packages around your financial needs.

For a limited period only

Keep in mind

  • For your protection, we add a one-time only Takaful insurance fee.
  • One-time processing fee is applicable.
  • Personal Finance is granted against assignment of the customer’s salary and end of service benefit (gratuity) in favor of ADCB Islamic Banking, which acts as security for the personal finance taken by the customer from ADCB Islamic Banking.
  • Service Guarantee is our promise to provide you a decision on your Personal Finance application within three working days. Hand over a complete set of documents to the sales or branch staff and send us an SMS to get started, SMS “P” to 2626. Terms and Conditions apply, please refer to for details.

  • High salary multiples
  • Competitive profit rates
  • Simple documentation with fast approvals
  • Takaful insurance coverage
  • Up to 2x facility against salary available


TouchPoints awarded on finance amount (AED 10,000 and above) are as follows:

  • 200 TouchPoints will be earned for every AED 1,000 of finance amount, when finance amount is AED 150,000 or less.
  • 300 TouchPoints will be earned for every AED 1,000 of finance amount, when finance is above AED 150,000.

Terms and conditions

Terms and conditions apply. To view the full ADCB Islamic Banking terms and conditions, please click here.

All terms and conditions are subject to change without prior notice. All offers are made available on best effort basis and at the sole discretion of ADCB Islamic Banking. ADCB Islamic Banking makes no warranties and assumes no liability in respect to the products and services provided by the vendors/partners/service providers.

Fees and Charges

To view the fees and charges please click here.

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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Other ways to apply

Contact centre

Contact centre

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

Apply through SMS

Apply through SMS

SMS 'FINANCE' to 2626

Visit us

Visit us

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