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Spread the word. Share the rewards.

Refer your friends and family to join ADCB and earn exciting rewards.
Wish to refer a friend?
You can make referrals online through ADCB Personal Internet Banking, or fill in the details below of your friends/family that you wish to refer.
Enter a valid Customer ID
Enter a valid number (hint: it starts with ‘5’)
Select offer
Emirati Excellency (Touch Points) Privilege Club (TouchPoints) Emirati (TouchPoints) Excellency (TouchPoints) Excellency (Etihad Guest Miles)
Enter a valid name
Enter a valid number (hint: it starts with ‘5’)
Please choose one options

Thank you


We received your application.

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

Easy online referrals through ADCB Personal Internet Banking

Refer your friends and family at your convenience and earn rewards.

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Step 2: Select 'Submit a Referral' from the navigation bar
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Step 3: Select the offer
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Step 4: Enter your friend's contact details and click 'Submit'
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Log in to Personal Internet Banking
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Select 'Submit a Referral' from the navigation bar
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Select the offer
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Enter your friend's contact details and click 'Submit'

Other ways to apply

Contact your

Contact your

Relationship Manager

Contact centre

Contact centre

Call our 24-hour contact centre on 600 50 2030

Visit us

Visit us

We will be happy to assist you in any of our branches Find the closest branch to you


Terms and conditions

The Offers stated above are subject to the Member Get Member Terms and Conditions available on adcb.com/mgmtnc, which shall be applicable to the Customer making the Referral or the Referee accepting the Referral. Customer and the Referee should read the terms and conditions carefully before making or accepting any Referral. Unless defined above, the capitalised terms stated above shall have same meaning as defined in the Member Get Member Terms and Conditions and ADCB Islamic Banking Consumer Terms and Conditions or ADCB Consumer Banking Terms and Conditions for conventional Customer (available on ADCB Website www.adcb.com) applicable to the Customer, respectively.

This Offer is valid until 31st Dec 2022. As a referrer, you will be eligible for up to ten (10) successful referral rewards in a year.

* The Reward Payout to the Referrer shall take place in the following month after the Referee has met the requisite defined criteria, as set out by ADCB. If the Referee does not meet the segment wise eligibility criteria within three (3) months of the issue of the respective ADCB Offering, the Customer (Referrer) shall loose the Reward.

1 Total Relationship Balance is the combined total average balance of Current account, Savings account, Call account, Fixed Deposits, Investments at market value and ADCB Securities Portfolio at market value.