Personal Finance Personal Finance for UAE Nationals


A customised solution that suits your ambitions

Customised finance packages for UAE nationals offer attractive Profit rates, higher salary multiples, extended tenure periods and flexible eligibility criteria.

4.49% From
Profit rate
starting from 4.49% profit rate per annum
300 Up to
for every AED 1,000 of finance amount

Keep in mind

  • Additional one-time fee applicable for Takaful cover which paid as one-time fee
  • 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.

Get a Personal Finance within 10 minutes through the ADCB Hayyak app

You will also 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!

Get a Personal Finance within 10 minutes through the ADCB Hayyak app
Key benefits

  • High salary multiples
  • Competitive profit rates
  • Finance consolidation available
  • Simple documentation
  • Free ADCB Islamic Banking Credit Card

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

ADCB Islamic Banking facilities will be made available at the sole discretion of ADCB Islamic Banking, subject to ADCB Islamic Banking's terms and conditions and upon submission of documentation acceptable to ADCB Islamic Banking. Terms and conditions apply. To view the full Islamic Banking terms and conditions, 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.
Enter Valid Customer Id
Enter Valid Name
Enter Valid Email
Enter a valid number (hint: it starts with ‘5’)
Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain
Please fill the captcha

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 ’SALAM' or ’YAQEEN' to 2626 from your registered mobile number.

Visit us

Visit us

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