ADCB announces unprecedented measures to support customers during these challenging times


As the Coronavirus (COVID-19) situation continues to develop, we wanted to reassure you that we’re here to help and support you during these uncertain times. ADCB will be introducing a wide range of measures, effective 2 April, 2020 - and these will be in place until the end of June.

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. To find out more, click here for the FAQs.

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


From 1st April 2020 to 30th June 2020, on new individual loans and finances (including Personal, Auto and Home loans and finances)

    Enjoy lower rates
    First instalment to be deducted after 90 days from the disbursement of loan

Early Settlement Fees is reduced by 50% for all individual loans and finances which are settled partially or in full for the duration mentioned above
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.

Loan instalment deferment

For customers holding a loan product who are placed on unpaid leave by the employer(s) or their income is affected by the COVID19 virus outbreak, a payment deferral of up to 3 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*
Contact Centre**

Internet Banking

Personal loans/finance DEFP
Mortgage loans/finance DEFH
Car loans/finance DEFA
Smart loan/finance DEFS
More than 1 Month

Contact Centre**

Personal loans, car loans,
mortgage loans and
smart loans/finance

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

The above benefits are also available on Shari’ah compliant products through our Islamic Banking offering.

Payment plan for utility bills at zero interest or fees

We are introducing a new payment plan to let you pay your utility bills over 3 months or 6 months at zero interest charges and zero fees. To avail the plan, you need to pay your utility bills (ADDC, AADC, DEWA, FEWA, SEWA, Empower) through ADCB’s Internet Banking or Mobile app.

Credit Card Loan at 0% interest with reduced fees

Should you have immediate cash requirements, you can apply for a new credit card and avail cash loan at 0% interest rate for upto 12 months. The processing fees for 3 and 6 months tenor has been reduced to 1.5%.

Credit Card repayments

We are reducing the late payment fees on credit cards by 50% to ease out any financial stress.

School fee payment plans

We are waiving off interest and processing fee charges on credit card school fees payment plans for 3 and 6 month tenors, to give you better flexibility to manage your household budget.

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.

Travel cancellations

We understand that you may had to cancel travel plans in light of the evolving health situation. For all travel cancellations (hotels, airlines, car rentals, online travel services), we will refund the foreign currency processing fees levied on your credit or debit card. Differences in currency exchange rate will not be covered as they are beyond the control of the bank.
Click here for the FAQs.

Extended TouchPoints validity

TouchPoints expiring in March’20, April’20 and May’20 will be extended till end of June’20.


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.


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 27 ADCB branches will continue to be fully operational and ready to serve you, however all other branches will remain closed.

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.

Please view below our list of operational branches

ADCB Operational Branches

Abu Dhabi

ADCB Head Office Branch
Abu Dhabi National Exhibition Centre (ADEC) Branch
Al Nahyan Camp Branch
Al Shahama Branch
Corniche Baynunah Branch
Khalifa City Branch
Mussafah Branch

Al Dhafra Region

Ghayathi Branch
Ruwais Branch
Zayed Town Branch

Al Ain

Al Ain Main Branch
Al Ain Mall Branch
Hazza Bin Zayed Stadium Branch
Al Qua'a Service Center


Al Ittihad Branch
Al Rigga Street Branch
Business Bay Branch
Karama Branch
Khalid Bin Waleed Branch
Sheikh Zayed Road Branch - API Towers


Dhaid Branch
Sharjah Industrial Area Branch
Sharjah Main Branch


Ajman Branch


Fujairah Branch
Dibba Branch

Ras Al Khaimah

Qasimi Branch

Umm Al Quwain

Umm Al Quwain 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 or You can also engage with us through social media
Twitter: @officialadcb
Instagram: @adcb
Linkedin: @adcbofficial

Branches & ATMs