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Chip & PIN


ADCB Cards are now Chip & PIN enabled

A smart card payment system which provides an added level of security to card transactions. You will be required to enter a Personal Identification Number (PIN) in order to complete any transaction.

Keep in mind

In addition to Chip & PIN technology, all new Credit and Debit Cards issued are also engineered with Contactless functionality (Visa Paywave or MasterCard PayPass) symbolized by the indicator Chip&Pin present on the face of the card. Contactless technology enables you to transact in a quick and easy manner for small value transactions of up to AED 500.
Key benefits

  • Added security when you purchase online with your ADCB Credit and Debit Cards
  • Contactless payment for small value transactions

  • Present your card to the retailer
  • The retailer will insert your card into a machine and ask you to enter your PIN
  • Once the transaction has been authorised, your card will be returned to you along with a receipt

Activating your card and setting your PIN

You can activate and set your PIN by sending an SMS from your registered mobile number.

Just SMS ACTlast 6 digits of your card number4 digit PIN of your choice to 2626. Example: ACT 123456 7899

Or just call us on 600 50 2030 from your registered mobile and select 8 to activate your card and set up your PIN.

Frequently asked questions

To learn more about Chip & PIN and how it works, please read through the Frequently Asked Questions.

Ways to apply

Contact centre

Contact centre

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

Apply through SMS

Apply through SMS

SMS 'CARD' 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