Online Accounts ADCB Universal Account

Apply now

A simple current account for UAE residents with salaries up to AED 5,000 per month

Easy digital account with no minimum balance
Open your account online with AED 0 minimum balance and a simple monthly fee of AED 2 (including VAT)
Convenient everyday banking
Get a Debit Card for UAE transactions, access ADCB ATMs, and manage transfers, bill payments, and mobile top-ups digitally
Designed for your needs
Receive your salary through WPS, send money locally or abroad, and enjoy essential banking features tailored to your monthly needs
Save more with fixed deposits
Easily place a Fixed Deposit through your account using Personal Internet Banking to grow your savings

Keep in mind

The Universal Account is designed for essential banking needs:

  • This account does not include cheque book facilities, and cheque book services are not available for this product. Additionally, cheque deposits through Cash Deposit Machines or branch teller counters are not permitted.
  • The Debit Card can be used for UAE domestic retail transactions only.
  • A monthly deposit limit of AED5,000 and a transfer-out limit of AED5,000 apply.
  • Foreign currency transfers into this account are not permitted.
  • Access is available through the ADCB Personal Internet Banking only; the ADCB Mobile Banking App is not supported.
  • You can add up to 2 beneficiaries (local and international combined).
  • Lending products (such as Personal Loan, Credit Cards, Overdraft, Mortgages or Car Loan) are not available with this account.
  • Wealth and investment products are not offered.
  • To access additional services, this account must be closed and replaced with a standard ADCB account.

Eligibility criteria

The Universal Account is available to customers who meet the following criteria. Eligibility will be verified during the online application process:

You are eligible if you:

  • Are a UAE resident with a valid Emirates ID
  • Earn a monthly salary of AED 5,000 or below
  • Do not currently hold an active current or savings account with any UAE bank (self-declaration required during application)
  • Receive your salary through the UAE Wages Protection System (WPS)
  • Are 18 years of age or above

You are not eligible if you:

  1. Earn more than AED 5,000 per month
  2. Already have an active current or savings account with any UAE bank
  3. Are not a UAE resident
  4. Hold an invalid, expired, or cancelled residency

What you can enjoy with your Universal Account

Discover the key features and services available to support your everyday banking needs. Please review the details below before applying.

Service / Product Available? Details
AED Current Account (IBAN) Yes AED-denominated current account with a unique IBAN issued on opening
Debit Card Yes Issued during your account opening. Valid for UAE domestic retail transaction use only
ADCB Personal Internet Banking Yes ADCB Personal Internet Banking access for account management
ADCB Mobile App Banking Access No ADCB Mobile Banking App is not available for Universal Account holders
Account Statement Yes E-statement and statement via the ADCB Personal Internet Banking
WPS Salary Credit Yes Mandatory. Salary must be credited monthly to keep the account active
ADCB ATM Usage Yes Free (Up to 4 deposit and 4 withdrawal transactions per month), a charge of AED 2.10 shall apply to any additional transaction
Domestic Fund Transfers Yes Within combined monthly transfer-out cap of AED 5,000
International Fund Transfers Yes Within combined monthly transfer-out cap of AED 5,000
Inward FCY to AED Transfers No Foreign currency inward transfers are not permitted into this account
Bill Payments Yes Via the ADCB Personal Internet Banking
Fixed Deposit Yes Placement, maturity instruction, and early redemption via the ADCB Personal Internet Banking
Cheque Book No Permanently unavailable. Cannot be issued to Universal Account holders
Lending Products (Loans / Cards) No Not eligible for Personal Loans, Credit Cards, Overdrafts, Mortgages, or Car Loans
Wealth / Investment Products No Not available to Universal Account holders
International Card Transactions No Debit Card is restricted to UAE domestic retail transactions only

Important details to help you manage your account

Monthly deposit limit of AED 5,000
You can deposit up to AED 5,000 each month, including salary credits, transfers, and cash deposits. Any transactions above this limit will not be processed.
Monthly transfer and cash withdrawal limit of AED 5,000
Your total transfers and cash withdrawals (local and international) are capped at AED 5,000 per month.
Up to 2 beneficiaries
You can add a maximum of 2 beneficiaries for local or international transfers.
ADCB Personal Internet Baking access only
Your account can be managed through the ADCB Personal Internet Banking. Access via the ADCB Mobile Banking App is not available.
Account activity requirements
To keep your account active, ensure your salary is credited regularly and your Emirates ID remains valid in our records.

Charges and fees

Please refer to the Schedule of Fees.

Terms and conditions

Terms and Conditions apply.

To view the full Consumer Banking Terms and Conditions, click here.

BackgroundImage

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 the application form.
Basic information
Please tell us about yourself
Please select one option
Please select one option
Enter Valid Customer ID
Please select an option
Mr Miss Mrs
Enter valid name
Enter a valid number (hint: it starts with ‘5’)
Enter valid email
Enter 3+ letters of your nationality
Personal details and Employment details
Please let us get to know you
Enter Valid Date of Birth
Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain
Employment type is required
Salaried Self Employed Housewife Student Pensioner
Enter valid company name
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Thank you


We received your application.

One of our representatives will call you back within 24 hours.
Scroll

Contact us anytime

Contact centre

Call our 24-hour contact centre on 600 50 2030.