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.

5% From
Profit rate
For a limited period only

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.
Key benefits

  • High salary multiples
  • Competitive profit rates
  • Finance consolidation available
  • Simple documentation
  • Takaful cover and involuntary loss of Employment cover - click here for details
  • Free ADCB Islamic Banking Credit Card

Earn Double TouchPoints

For a limited period, you can now earn double TouchPoints:

  • Earn 400 TouchPoints for every AED 1,000 of finance amount (AED 150,000 or less)
  • Earn 600 TouchPoints for every AED 1,000 of finance amount (above AED 150,000)
Finance Amount TouchPoints that you normally earn TouchPoints earned during the offer period
AED 50,000 10,000 20,000
AED 100,000 20,000 40,000
AED 250,000 75,000 150,000
AED 500,000 75,000* 300,000

*TouchPoints are normally capped at 75,000. The new cap during the offer period is 500,000 TouchPoints.

This offer is valid until 31st March 2020.

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.
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Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain
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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 ’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

Branches & ATMs