Personal Finance for UAE Nationals | ADCB Islamic Banking

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

TouchPoints

for every AED 1,000 of finance amount

Keep in mind

The profit rate mentioned on this page is applicable for Excellency/ Emirati Excellency customer segments. The applicable rate shall vary depending on customer segment and profile.
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 adcbislamic.com/serviceguarantee 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

Frequently asked questions

Please click here.

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.

Approved by Sharia and Supervisory Board

To view the Fatwa, please click here.

Important Note

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

Monthly Installment Calculator

Finance Amount

AED

AED 5000 AED 4000000

Profit rate*

%

3.75 % 25 %

*Profit in reducing balance.

Number of Installments

Months

6 60

Monthly Installment

AED 0

Total profit paid during the finance tenure is AED 0

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Disclaimer

The figures are based on indicative rates selected and are for illustrative purposes only and do not apply to your finance. ADCB Islamic Banking rates are subject to change. The computation is based on simulated figures and a number of 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.

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.

Existing customer

Yes

No

Customer ID Enter Valid Customer Id

Name Enter Valid Name

Email Enter Valid Email

Enter a valid number (hint: it starts with ‘5’) Mobile Number

Emirate 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

Call our 24-hour contact centre on 600 56 2626

Apply through SMS

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

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

Visit us

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

Personal Finance Personal Finance for UAE Nationals