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.

5.50% From
Profit rate
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.
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


TouchPoints Awarded on Finance Amount (AED 10,000 and above) are:

  • 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

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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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

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