WELCOME TO A COMPLETE ADCB BANKING EXPERIENCE
Successful unification of our banking systems
We have successfully completed the unification of our banking systems, the final step of our integration journey following the merger of ADCB and UNB. All our services have resumed and are fully functional. If you are a former UNB customer, your account has been transferred to ADCB. For more information, please visit adcb.com/onebank.
For details of our new combined network
click hereFor frequently asked questions
click hereYour new banking experience
You will benefit from a complete ADCB banking experience, with access to a wide range of high quality products and services, as well as our comprehensive digital banking platforms. ADCB’s award-winning loyalty programme will also reward you every time you interact with the Bank.
Your Account(s), along with any Deposits, Loans and Investments, will be automatically transferred to ADCB on 2 April 2020. You will be provided with a new unique Customer Identification Number (CID) and new ADCB account number(s).
You can continue to use your UNB Debit Card until you receive a new ADCB Debit Card. Your payment arrangements, such as those for utility bills or subscriptions, will continue as usual.
Following the integration of our banking systems on 2 April 2020, the Uninet and UNB Mobile Banking services will be discontinued and you will be able to access products and services through ADCB Internet Banking and the ADCB Mobile App. You can use the same login credentials as before, provided that you have logged into UNB’s Mobile or Internet Banking services at least once from November 2019 onwards. We therefore encourage you to log in before the end of March to ensure easy access to ADCB’s digital platforms.
You will benefit from ADCB’s award-winning loyalty programme that rewards you with points every time you interact with the Bank, even when you access our digital banking platforms. You will be able to redeem points for airline miles, travelling, dining and shopping at thousands of retail outlets in the UAE. Please click here for more information.
Following the transfer of your account(s) to ADCB, your banking relationship will be subject to ADCB’s Terms and Conditions, with the exception of certain existing products, such as loans, mortgages and fixed deposits, which will retain their previous terms and conditions until maturity. Please ensure you have read and understood ADCB’s Terms and Conditions by visiting adcb.com/tnc.
If you hold accounts with both ADCB and UNB, your Customer Identification Numbers (CIDs) will be unified into a single profile under your existing ADCB CID. You will be provided with confirmation of your single CID and new ADCB account number(s).
Please use the ADCB digital banking platforms for 24/7 access to your account as the Uninet and UNB Mobile Banking services will be discontinued following the integration of our banking systems on 2 April 2020.
Your company will benefit from a complete ADCB banking experience, with access to a wide range of high quality products and services. You will be able to register for our innovative ProCash online platform for corporate banking services and ProTrade online platform for trade finance.
Your banking relationship, including your account(s), any credit facilities and deposits, will be automatically transferred to ADCB on 2 April 2020. You will be provided with a new unique Customer Identification Number (CID) and your new ADCB account number(s) towards the end of March, ahead of the unification of our banking systems.
You will receive a new deposit reference number for your existing deposits, however, there will be no change to the terms and conditions, including the interest rate. ADCB’s Terms and Conditions will apply on renewal of your fixed deposits.
There will be no changes to the terms and conditions for your credit facilities, with the exception of any overdraft facility you may have. The changes related to overdraft facilities will be communicated separately in March.
Please continue to use your UNB Debit Card until you receive a new ADCB Debit Card. You can also continue to use your UNB chequebook, although we would recommend that you order and begin to use a new ADCB chequebook.
You will be able to register for our ProCash online banking platform and ProTrade digital trade finance platform to access a wide range of corporate services 24/7. Following the integration of our banking systems on 2 April 2020, Corporate Uninet will be discontinued. Active Corporate Uninet users will be provided with training for ProCash, and given access using the same username and the Mobile Token App instead of a password.
Previous arrangements for payments from your account(s), such as utility bills and payments to third parties, will continue as usual. Payments into your account(s), such as direct debit transfers or cheque deposits, will be credited to your new ADCB account(s).
Your general banking relationship will be subject to ADCB’s Terms and Conditions, with the exception of certain existing products, such as loans and fixed deposits, which will retain their previous terms and conditions until maturity. Please ensure you have read and understood ADCB’s Terms and Conditions by visiting adcb.com/WBGTNC.
If you hold accounts with both ADCB and UNB, your Customer Identification Numbers (CIDs) will be unified into a single profile under your existing ADCB CID. You will receive confirmation of your single CID and new ADCB account number(s) towards the end of March. Your credit limits remain unaffected. If you are registered with ProCash and an active Corporate Uninet User, you will be able to view all accounts on ProCash.
Frequently Asked Questions
The key changes to your banking services are as follows:
For a simple and convenient transition, we have ensured continuity in the banking services listed below:
Our branch staff or contact centre on 600 50 2030 will be happy to assist you.
Yes, your account number and IBAN will change for each of your accounts.
On 2 April 2020, the balances in your UNB account(s) will be transferred to your new ADCB account(s) and your UNB account(s) will be closed.
Terms and conditions of your UNB account(s) will also be transferred to ADCB’s Terms and Conditions, subject to the exceptions set out in this FAQ document. Please ensure you have read and understood ADCB’s Terms and Conditions by visiting adcb.com/tnc.
The schedule of fees was unified for ADCB and former UNB customers as of 26 November 2019. For further information, please click here. Any changes to the schedule of fees will be communicated to you in advance.
Your fixed deposits will be automatically moved to ADCB and you will receive a new deposit account number. Any lien on your fixed deposit account will also be transferred to your new fixed deposit account at ADCB.
Yes, the interest rate on your fixed deposits will remain the same until it matures. When your deposit is renewed, ADCB’s prevailing interest rates will be applied.
Yes, you will receive ADCB statements by email if you have registered for e-statements, otherwise you will receive them by post. We encourage you to subscribe to e-statements to ensure you receive statements in a timely manner.
Yes, you will begin to earn TouchPoints on your UNB Debit Card transactions from 2 April 2020. For more information about the ADCB TouchPoints loyalty program, please visit adcb.com/touchpoints.
You earn TouchPoints every time you interact with ADCB, for example when you use your credit card, transfer funds and even when you access our digital banking platforms. To find out more, please visit adcb.com/touchpoints.
You can redeem TouchPoints for airline miles, travelling, dining, bill payments, donations and more. TouchPoints can be redeemed instantly or through ADCB Internet and Mobile Banking. To find out more, please visit adcb.com/touchpoints.
Your current direct debit arrangements will continue to function as usual.
Yes, your existing salary transfer will be automatically moved to your new ADCB account.
Yes, your active standing instructions, such as those set up for utility bills or subscriptions, will remain the same and will be transferred to your new ADCB account(s).
The details of payment beneficiaries set up for your account(s) will be automatically moved to your new ADCB account(s).
Yes, post-dated cheques issued from your UNB chequebook will be processed as usual.
In the event of four cheques being drawn on your account(s) with insufficient funds during a 12-month period, we are required to notify the UAE Central Bank of the returned cheque and reserve the right to refrain from issuing any further chequebooks, in line with UAE banking regulations. After the transfer of your account(s) on 2 April 2020, a combined count of cheque returns (i.e. a combination of cheques drawn on either ADCB or UNB accounts), will be considered before initiating action.
Yes, recurring payment instructions, such as those for utility bills and video streaming subscriptions, that were set up on your UNB Credit Card will need to be set up on your ADCB TouchPoints Platinum Credit Card.
Yes, you can apply for a top-up loan, which will be subject to ADCB’s Terms and Conditions.
If your loan agreement did not require a salary transfer, you do not need to transfer your salary to ADCB. If your salary was being transferred to your UNB account, this will automatically be moved to ADCB, and your loan instalments will continue to be deducted. There is no action required on your part.
Your mortgage will be transferred to ADCB. It will continue under the same terms and conditions set out in your mortgage agreement, as well as any other loan-related document agreed with UNB. If you would like further information, please contact ADCB’s Mortgage Service Desk on +971 4 368 4582 or write to us at [email protected]
Any protection policies that you may have will continue under the same terms and conditions.
Yes, ADCB will continue to make payments to your developer as per your Sale and Purchase Agreement (SPA).
Yes, your existing overdraft facility will continue under the same terms and conditions. However, renewal of your facility upon expiry will be reassessed by ADCB and will be subject to ADCB’s Terms and Conditions. Your existing lien on deposits will continue under the same terms and conditions on your new account number.
No, the mortgage title related to your mortgage/auto loan created in favour of UNB will continue at ADCB without any amendment.
After 2 April 2020, you will be able to access information on your existing loan(s), through the ADCB Mobile App or by visiting ADCB Internet Banking. You can also request loan statements from any of our branches or the contact centre on 600 50 2030.
Yes, you may download the ADCB Mobile App from the Apple or Google Play Stores any time, ready for use from 2 April 2020.
Yes, you will be able to use the same login credentials as before, provided that you have logged into UNB’s Mobile or Internet Banking services at least once from November 2019 onwards. Please login before the end of March to ensure easy access to ADCB’s digital banking platforms. Otherwise, you will need to reset your password when you first log into the ADCB Mobile Banking App or ADCB Internet Banking.
For ADCB Internet Banking, please click “Forgot password” and follow the prompts to reset your password. You will need either your existing UNB Debit Card, ADCB Credit Card or your new ADCB Customer Identification Number (CID).
For the ADCB Mobile Banking App, you will be asked to activate the app using details from either your existing UNB Debit Card, ADCB Credit Card or your new ADCB CID. Then click “Forgot password” and follow the prompts to reset your password.
For ADCB Internet Banking, please enter either your existing Uninet username or enter your existing UNB Customer ID in the “Nickname” field. Alternatively, you may use your new ADCB Customer ID (6 or 8-digits) in the ADCB Customer Identification Number (CID) field.
For the ADCB Mobile Banking App, as part of the first time activation process, you will be required to input either your existing UNB Debit Card, your ADCB Credit Card, Card PIN or your new ADCB CID.
Yes, ADCB has a wide variety of investment and retirement options that will be available to you. These include value added solutions such as advisory and discretionary services, in addition to a range of investment products. Your Relationship Manager will be able to help you choose the options that are right for you.
Yes, your insurance policy will be transferred to ADCB for the remaining term of your plan under the same terms and conditions, provided that you maintain an active banking relationship with ADCB to fund premiums towards your insurance policy.
If you were paying your insurance premium from your UNB account(s), these payment instructions will be transferred to your ADCB account(s) and continue as usual. If you were paying your insurance premium with your UNB Credit Card, please set up a new standing instruction on your new ADCB Credit Card to avoid disruption in payments.
If you were paying your insurance premiums through a third party, your policy will be transferred to the insurance provider. Should you wish to have your policy managed directly by ADCB, please visit any of our branches and we will be happy to assist you.
Yes, ADCB has a wide variety of protection and savings solutions, in partnership with local and international providers. Your Relationship Manager will be able to help you choose the options that are right for you.
From 2 April 2020, you can access your insurance and investment holdings through ADCB Internet Banking or via the ADCB Mobile App.
No, your loans will not be combined and they will continue to be treated separately. From 2 April 2020, a summary of all your loans will be available in a consolidated statement and can also be viewed on ADCB Internet Banking and the ADCB Mobile App.
For complete list of personal banking frequently asked questions (FAQs), please click here.
The key changes to your banking services are as follows:
For a simple and convenient transition, we have ensured continuity in the banking services listed below:
We aim to ensure that you experience minimal disruption throughout this process. In the unlikely event that your Relationship Manager changes during this period, we will communicate with you at the earliest opportunity.
Yes, your account number and IBAN will change for each account. You will receive your new ADCB account number(s) towards the end of March 2020, ahead of the transfer of your UNB account(s) to the ADCB platform. the UAE.
Effective 1 April 2020, the ADCB Wholesale Banking Group Terms and Conditions will apply, with the exception of certain existing products, such as credit facilities and fixed deposits, which will retain their previous terms and conditions until maturity. Please ensure you have read them by visiting adcb.com/WBGTNC.
As previously communicated, for customers on our standard tariffs, effective 1 April 2020, ADCB Wholesale Banking Schedule of Fees will apply. For details, please visit the following link:
Corporate : adcb.com/sofcorp2
Commercial : adcb.com/sofcomm2
Once your UNB account(s) has been moved to ADCB, it will be closed and you will be able to enjoy all of your corporate services on the ADCB platform.
Yes, you will continue to receive ADCB statements by email if you have registered for e-statements, otherwise you will receive them by post. We encourage you to subscribe to ProCash, our online banking platform, where you can conveniently view your account(s) at any time.
Corporate Customer : Please contact your Relationship Manager to obtain old UNB account statements. Your statement for March 2020 will be released to you in early April in the normal manner.
Commercial Customer : If you would like to obtain old UNB account statements, your Relationship Manager, our call centre on 600 57 63 63 or branch staff will be happy to assist you. Your statement for March 2020 will be released to you in early April in the normal manner.
Yes, you can still order chequebooks for your UNB account(s) until 30 March 2020.
Yes, post-dated cheques issued from UNB chequebooks will be processed as usual after 2 April 2020.
Yes, you may make a request to stop a cheque payment through your Relationship Manager or at any ADCB branch.
No, the interest rates on your fixed deposits will remain as per the terms and conditions stipulated at the time of placing each deposit.
ADCB’s Terms and Conditions will apply upon renewal of your fixed deposits. Please contact your Relationship Manager for the renewal and relevant interest rates.
Yes, your direct debit arrangements or active standing instructions, such as those set up for utility bills or payments to third parties, will continue as previously
Any current direct debit arrangement to repay your UNB loan(s) will continue and will be debited from your ADCB account(s).
The details of beneficiaries you have already set up will move to your new ADCB account(s).
Yes, the cash pooling set-up for your account(s) will be transferred to your new ADCB account(s) and will continue as previously.
Yes, we recommend that you contact your counterparties immediately after the transfer of your account(s) to ADCB on 2 April 2020. Please inform them of your new ADCB account number(s) and the ADCB SWIFT code ADCBAEAA.
No, you will not be able to use your UNB account number(s) to deposit cash or cheques through cash/cheque deposit machines from 2 April 2020. Kindly use the new ADCB account number(s) when making deposits. If you are expecting deposits from a counterparty through these channels, please ensure you inform them of your new account number(s).
Yes, recurring payment instructions, such as those for utility bills and payments to third parties, that were set up on your UNB Credit Card(s) will need to be set up on your ADCB Credit Card(s).
Corporate Customer : Yes, your loan account number(s) will change. However, you can continue to use your old UNB account number(s) to communicate with us. If you require the new loan account number(s), please contact your Relationship Manager.
Commercial Customer : Yes, your loan account number(s) will change. However, you can continue to use your old UNB account number(s) to communicate with us. If you require the new loan account number(s), please contact your Relationship Manager or our call centre at 600 57 6363.
The renewal of your credit facility will be subject to ADCB’s normal review process.
Yes, there will be some changes to the terms and conditions of your existing overdraft facility. We will send you a separate communication outlining these changes.
Yes, you can apply for a top-up loan, which will be subject to ADCB’s Terms and Conditions.
Any existing mortgage will continue under the same terms and conditions.
Your existing insurance policies will continue to be valid. At renewal, your insurance policies (including any life insurance policies) will be assigned in favour of ADCB.
Yes, your trade reference number(s) for all existing transactions will change following the transfer of your account(s) to ADCB. However, you can continue to use your former UNB trade reference number(s) to communicate with us. If you require the new trade reference number(s), please contact the Trade Service Desk at [email protected] and include your contact details in your email.
We would encourage you to apply for our fast, simple and secure ProTrade online banking platform. This is available 24/7, enabling you to initiate trade requests efficiently. Please contact your Relationship Manager for further information or email [email protected].
Alternatively, please complete the ADCB trade finance application form available on the ADCB website by clicking here, which can be submitted to any of the following Trade Finance counters:
Yes, you may send a representative if you provide an authorisation letter for the representative to collect trade-related documents. Please contact the trade service desk at [email protected] for further information.
We provide updates on the status of trade requests by email. To register for trade advice notifications, please email [email protected]
You can contact the Trade Service Desk at [email protected] or contact your Relationship Manager, who will be happy to assist you.
On ProTrade, you will be able to access a wide range of online services, including the following:
For further information on services available on ProTrade, please click here
You can register for ProTrade once your account(s) have been transferred to ADCB on 2 April 2020. To register, please contact your Relationship Manager or email [email protected].
You will be able to start using ProCash Online Banking and the ProCash Mobile Banking App from 2 April 2020.
Please download the ADCB ProCash Mobile App from the Apple or Google Play Stores in preparation for use from 2 April 2020. .
Yes, you can use the same username. However, you will be required to download the ADCB Mobile Token App from the Apple or Google Play Stores to generate the One-Time Passwords (OTP) needed to login. You will receive an email notification once you are onboarded to ProCash.
Yes, you will be able to view a six-month UNB account history on ProCash from 2 April 2020. If you require a longer account history, i.e. for more than six months, please contact your Relationship Manager.
Once your banking relationship has been transferred to ADCB, you can register for ProCash Online Banking and the ProCash Mobile Banking App by contacting your Relationship Manager.
Your existing financing will be transferred to ADCB and continue under the same terms and conditions, including the profit rate.
No, there will be no change to the terms and conditions of your existing Islamic fixed deposits, including the expected profit rate for wakala deposits.
No, your loans will not be combined and they will continue to be treated separately. Your credit limits remain the same for the banking relationships you currently have. The renewal of your credit facility will be subject to ADCB’s normal review process.
Yes, if you are a ProCash user and previously a Corporate Uninet user, you will be able to access all your accounts.
For complete list of Corporate banking frequently asked questions (FAQs), please click here.
For complete list of Commercial banking frequently asked questions (FAQs), please click here.
Our branch staff and dedicated contact centre on 600 50 2030 are more than happy to assist you.
Within UAE 600 50 2030
Outside UAE +971 2 693 0120