Ensuring our continued support during COVID -19


As the COVID-19 situation shows cautious signs that recovery is on the horizon, we wanted to reassure you that we will continue to offer all the necessary help and support you may need during these uncertain 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.

Below, you will find detailed information about the measures we’re 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’re 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 adcb.com.


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 affected by COVID-19

For all customers, whether an individual or an owner of a business, that are proven to be medically affected by the COVID19 virus outbreak, loan installments will be deferred and interest will be waived for a period of up to 6 months, subject to the Bank’s review.

Customers whose income has been impacted

For customers holding a loan product who are placed on unpaid leave by their employer(s) or their income is affected by the COVID19 virus outbreak, a payment deferral of up to 6 months will be offered.

All types of deferrals listed above or as specified in the FAQs will be available on request from customer.

To apply for loan deferment you can use any of our 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. 

1 Month Deferment SMS short code*
Internet Banking
Contact Centre**
Personal loans/finance DEFP
Mortgage loans/finance DEFH
Car loans/finance DEFA
Smart loan/finance DEFS
More than 1 Month

Contact Centre**

Personal loans/finance,
car loans/finance,
mortgage loans/finance and
smart loans/finance
Click here to apply or write to us at contactus@adcb.com along with supporting documents and the subject line: Deferment request for more than 1 month
Period of Deferment Documentation required
1 month No documents 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 3 months bank statements that reflect reduction in cash flow as a result of COVID 19.
Up to 6 months Note / letter from a hospital or Ministry of Health confirming COVID-19 infection

* SMS code to 2626
** 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.

Cash withdrawal with debit cards

You can withdraw cash with your debit card at any ATM in UAE free of any charges. Our ATMs continue to be available round the clock to serve you.


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.

We would like to inform you that 53 ADCB branches from 27th June will continue to be fully operational and ready to serve you, however all other branches will remain closed. To view our list of operational branches, please click here.

Safety Deposit Lockers will also not be accessible at select ADCB branches until further notice. To access your locker during this time, please contact your branch.

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.

Your 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.

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 contactus@adcb.com. You can also engage with us through social media
Twitter: @officialadcb
Facebook: facebook.com/adcbofficial
Instagram: @adcb
Linkedin: @adcbofficial