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Personal Finance Personal Finance – Expats


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.

5.75% From
Profit rate
starting from 5.75% profit rate per annum
300 Up to
for every AED 1,000 of finance amount

Keep in mind

  • The profit rate on this page applies to Excellency/ Emirati Excellency customers. The rate shall vary depending on customer segment and profile.
  • For your protection, we add a one-time-only Takaful insurance fee.
  • A one-time processing fee is applicable.
  • Personal Finance is granted against the assignment of the customer’s salary and end-of-service benefit (gratuity). This is in favour of ADCB Islamic Banking. ADCB acts as security for the personal finance taken by the customer from ADCB Islamic Banking.
  • Service Guarantee is our promise to provide you with a decision on your Personal Finance application within three working days. Hand over a complete set of documents to the sales or branch employees and send us an SMS to get started. SMS “P” to 2626. Terms and Conditions apply; please refer to for details.

Get Personal Finance within 10 minutes through the ADCB Hayyak app

You will receive a 50% discount on processing fees in addition to 50,000 bonus TouchPoints when applying through the app.

Download the ADCB Hayyak app now!

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Key benefits

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

TouchPoints eligibility

ADCB Product TouchPoints Awarded on TouchPoints Earned Cap
Personal Finance TouchPoints will be earned when net Finance Amount (AED 10,000 above ) TouchPoints Earned for every AED 1,000 75,000
> 10,000 - <= 150,000 200
> 150,000 300

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 a best-effort basis. Offers are at the sole discretion of ADCB Islamic Banking. ADCB makes no warranties and assumes no liability with 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.

Important Note

  • If you settle the financing early, then you may have to pay early settlement charges. This is in accordance with finance documentation.
  • If you do not meet the payment requirements under the financing facility, your account will go into arrears. You might be required to pay the donation amount as per financing documents. This amount shall be paid to charity. This will be after deduction of any actual loss that the bank may have suffered due to your default.

Monthly Installment Calculator
You will need to pay AED as up-front payment for the mortgage loan.
Click on the text box to enter your desired value. AED
AED 5000 AED 1000000
% Click on the text box to enter your desired value.
3.75 % 25 %
*Profit in reducing balance.
Months Click on the text box to enter your desired value.
6 48
Monthly Installment

Total profit paid during the finance tenure is AED 0


The figures are based on indicative rates selected and are for illustrative purposes only. They do not apply to your finance. ADCB Islamic Banking rates are subject to change. The computation is based on simulated figures, several underlying assumptions, and possible rounding-off of figures. Please consult your Relationship Manager/or visit the nearest branch or call 600 56 2626 to ensure that you receive complete information about our finance product.

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

To deliver the service that you need, we’d like to know more about you. So, please complete this form, and a member of our team will contact you.
Enter Valid Customer Id
Enter Valid Name
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Enter a valid number (hint: it starts with ‘5’)
Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain

Other ways to apply

Contact centre

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

Apply through SMS

SMS 'FINANCE' to 2626

Visit us

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