Continued financial relief measures during COVID-19


As we continue to recover from the effects of the COVID-19 pandemic, we wanted to reaffirm our commitment to offering you all the necessary help and support you may need during these times. In line with the supportive and preventative measures taken by the UAE authorities, ADCB continues to make appropriate amendments to banking operations to ensure the safety of our employees, customers, and partners.

As part of the relief measures, deferment of up to six (6) EMIs was offered to customers meeting the eligibility criteria of the COVID-19 Targeted Economic Support Scheme. The relief program was introduced from 1st April 2020 until 31st December 2020.

Below, you will find detailed information about the measures we are taking and the options available to support your day to day banking needs. These measures are applicable across both conventional products offered by ADCB and Islamic products offered by ADCB Islamic Banking.

Our priority remains our employees, customers and partners – and we are doing everything we can to make sure we continue to offer a great service. We will continue to stay close to developments, and take the necessary action to help protect our employees and customers. These supportive actions will be updated as and when required and the information will be updated on


Mortgage made attractive for new home buyers

An increase in the Loan to Value ratio (LTV) by 5% for first-time home buyers, making real estate ownership more accessible.

Customers whose income has been impacted

For customers holding a loan/finance product and their income is affected by the pandemic, or they find themselves under continued financial stress beyond 31st December 2020 as a result of job loss or income reduction/delay, without prejudice to any of our rights under the terms and condition applicable to their loan/finance, we will continue to support your lending relationship with us by offering remedial solutions.

All types of remedial solutions as specified in the FAQs will be available on request from the customer.

The solutions offered will be subject to evaluation of circumstances on a case-by-case basis and in accordance with our policies and applicable terms and conditions.

To apply for remedial solutions, you can use any of the following channels. However, while our branches will be happy to serve you for some of the below transactions, we encourage you to apply through our contactless channels for your health, safety, and convenience.

To apply for a deferment Email

Contact Centre**

All types of facilities Click here to apply or write to us at [email protected] along with the  supporting documents and the subject line: Deferment request
Period of Deferment Documentation required
Up to 6 months Letter from employer mentioning drop in salary / benefits or unpaid leave along with duration for which the curtailment will continue.
Self-employed customers to provide 6 months bank statements that reflect reduction in cash flow as a result of COVID 19.
Up to 6 months Medical certificate issued in the UAE confirming COVID-19 infection

** Contact Centre number is 600 50 2030 or 600 56 2626 (Islamic Banking)

The above benefits are available on both conventional as well as Shari’ah compliant products through our Islamic Banking offering.


Even if there is a disruption to your normal routine, we want you to know that banking with ADCB is still simple and convenient.

Bank digitally

We encourage you to register and use our 24/7 online banking channels. You can pay, transfer and transact using our Mobile Banking App or our Personal Internet Banking.

Here are some of the services offered:

  • See all your accounts, cards, loans and fixed deposits in one place
  • Transfer funds
  • Pay your utility bills and school fees
  • Pay your ADCB Credit Card bills
  • Open a fixed deposit
  • Ask for advice or help through the online chat service

Register now for ADCB Internet Banking. 
Register now for ADCB Mobile Banking.

Make contactless payments

Avoid using cash and make quick and easy payments with your ADCB Card.
Your ADCB card is equipped with the and can also be registered on Apple Pay and Samsung Pay which allow you to complete a transaction without handing over the card. Use this safe and secure method when paying for your purchases.

Shop online securely

Online shopping is secure with ADCB.
Shop online with peace of mind using your ADCB Card. The 3D Secure feature adds an extra layer of verification for a safer online shopping experience.

Your Wellness is Our Priority

In addition to the supportive measures listed above, we have also applied a wide range of health and safety precautions to ensure that our customers and employees are protected. Some of these measures are:

  • Safety shields, gloves and sanitisers for customers
  • Temperature checking
  • Daily cleaning and sanitisation of branch offices
  • Installation of cash sanitisation machines

Adherence to all other standard rules and guidelines as advised by the UAE authorities.


Segments Current daily cash withdrawal limit
Updated daily cash withdrawal limit
Aspire AED 15,000 AED 30,000
Privilege & Emirati AED 20,000 AED 40,000
Excellency & Emirati Excellency AED 30,000 AED 80,000
Private AED 50,000 AED 100,000


As the Coronavirus (COVID-19) situation continues to we want you to know that banking with ADCB is still simple and convenient through our 24/7 online banking channels, ATM network and Call Centre.

You can continue to fulfil your day-to-day banking needs securely and safely using our Mobile Banking App or our Personal Internet Banking. You can also use our contactless payment solutions to shop online with ADCB’s 3D secure feature.

To view our list of operational branches, please click here.

The move is in line with the preventive and precautionary measures taken by the UAE authorities to curb the spread of the COVID-19 and to ensure the safety of our employees, customers and partners in these challenging times.

health and safety is our top priority:

  • Use a mask and gloves while visiting an ADCB branch.
  • Children are prohibited from entering an ADCB branch for their safety.
  • Al Hosn App ‘Green Pass’ required for visitors aged 16 and above to access the branch.
Stay alert

Fraudsters may take advantage of the current situation, so please be on the look out for anything suspicious, including messages about COVID-19 claiming to be from your bank. Remember that ADCB will never send you an email, text message or call you asking for confidential information to be shared, including your account / card number, PIN, One Time Password (OTP) or your online / mobile banking username or password.

If You Want To Talk To Us

Remember that we are here to help you, so if you have any questions, please call our contact centre on 600 50 2030.

Please email us at [email protected]. You can also engage with us through social media
Twitter: @officialadcb
Instagram: @adcb
Linkedin: @adcbofficial