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Move to a Bank that offers A+ benefits.
Welcome to a banking experience that does more for you
Teachers provide the tools and skills for a better future. Let us thank you for changing lives with a banking relationship that helps you achieve your goals.
Simply transfer your salary to ADCB and enjoy preferential rates and exciting rewards exclusively for educators, including a welcome gift of up to 675,000 ADCB TouchPoints.
Salary Transfer of
AED 5,000 to less than AED 8,000
Earn 75,000 bonus TouchPoints
Salary Transfer of
AED 8,000 to less than AED 10,000
Earn 100,000 bonus TouchPoints
Salary Transfer of
AED 10,000 to less than AED 20,000
Earn 250,000 bonus TouchPoints
Salary Transfer of
AED 20,000 to less than AED 50,000
Earn 450,000 bonus TouchPoints
Salary Transfer of
AED 50,000 and above
Earn 675,000 bonus TouchPoints
Special Offers
Personal Loan Offer
25% off processing fees and 0.5% off interest rates for Personal Loans
Option to defer the first Personal Loan EMI for up to 90 days
Auto Loan Offer
25% off Auto Loan Processing Fees
Refer your friends and family at your convenience and earn rewards
Easy online referrals through ADCB Mobile Banking App.
Log in
Log in to the ADCB Mobile Banking App
Navigate
Navigate to 'Offers & Updates' and tap 'Refer a Friend'. Alternatively, tap 'More' and 'Refer a Friend'
Share
Share your referral code or link with friends and family
Earn
Earn rewards once they successfully join ADCB or apply for ADCB products
How you and your friends can benefit
When referring new customers to join ADCB
| Customer Segment | Your Reward
(TouchPoints) |
Your Friend's Rewards
(TouchPoints) |
|---|---|---|
| Emirati Excellency | 450,000 | 80,000 |
| Emirati | 100,000 | 50,000 |
| Excellency | 350,000 | 80,000 |
| Privilege | 100,000 | 50,000 |
| Aspire | 20,000 | 20,000 |
When referring existing customers to apply for ADCB products
| Product Category | Your Reward
(TouchPoints) |
Your Friend's Rewards
(TouchPoints) |
|---|---|---|
| Personal Loans / Finance | 75,000 | 30,000 |
| Credit / Islamic Credit Cards | 50,000 | 25,000 |
| Active Saver | 40,000 | 20,000 |
| Emirati Millionaire Savings Account | 25,000 | 10,000 |
| Millionaire Destiny Savings Account | 20,000 | 10,000 |
| Fixed Deposit | 10,000 | 5,000 |
| Wakala Deposit | 10,000 | 5,000 |
Terms and Conditions apply
Important Information
- The above offers are exclusively for employees working with select companies listed with ADCB under Education sector and are subject to terms and conditions.
- Customer must initiate a new salary transfer and must continue transferring his/her salary for 12 months consecutively.
- Customer should not have transferred salary 12 months prior to initiating the new salary transfer.
- The Customer must have an ADCB Credit Card (either existing or new during the Offer Period) meet the Credit Card spend criteria of AED 1,000 within 30th November 2025. The Customer with no Credit Card will not be eligible for the Reward, even if the Customer performs rest of the Eligibility Criteria.
- ADCB Loan products will be made available subject to ADCB's Terms and Conditions and upon submission of acceptable documents.
- The Personal Loan offer is only applicable on fresh personal loan and on reducing interest rates. Top-ups, Short Term Loans and Micro-loans are excluded from the promotion. To know more, click here.
- If you do not keep up your car loan repayments, you may lose your vehicle as the vehicle is mortgaged to the bank as security and the bank has the right to enforce the security.
- You may have to pay penalties if you pay off a loan early.
- If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.
- Member Get Member terms and conditions apply. To know more, click here.
- The above offers cannot be used in conjunction with any other offers or promotions.
- Salary Transfer customers must meet the relevant onboarding segment criteria to avoid fees and charges, that may apply. To know more, click here.
- Earn rewards every way you bank. ADCB TouchPoints is the most comprehensive bank wide loyalty programe in the UAE. Whether it’s shopping, dining, leisure, Air miles, charitable donations or utility bills, TouchPoints can be redeemed in almost everything you do. Before you begin, learn more about where to earn and redeem TouchPoints on your ADCB Card. About ADCB TouchPoints
- Campaign is valid from 15th July to 30th September 2025
Other ways to apply
Apply through SMS
SMS 'BTS' to 2626 from your registered mobile number.
