Scroll
spotlight image

One bank to serve you better

Welcome to a complete ADCB banking experience

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.

content image

Your new banking experience

What this means for you?


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.

icon

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).

icon

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.

icon

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.

icon

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.

icon

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.

icon

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.

icon

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.

icon

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.

icon

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.

icon

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.

icon

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.

icon

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.

icon

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).

icon

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.

icon

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.

icon
infograph-image

Frequently Asked Questions

We are here to help

Select from the options below


Overview
Accounts and Deposits
Debit cards
TouchPoints
Payments
Chequebooks
Credit cards
Loans and mortgages
Internet and Mobile Banking
Investments & Insurance
Customers with existing ADCB accounts

How will my banking services change from 2 April 2020?

The key changes to your banking services are as follows:

  • 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 ADCB Customer Identification Number (CID) and new ADCB account number(s)
  • From 2 April 2020, the Uninet and UNB Mobile Banking services will be discontinued and you will be able to access your accounts 24/7 through the ADCB Mobile App and by visiting ADCB Internet Banking
  • If you were already a customer of ADCB, your accounts will be combined under your existing ADCB CID
  • Some of your products and services 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 them by visiting adcb.com/tnc.

What is not changing?

For a simple and convenient transition, we have ensured continuity in the banking services listed below:

  • You can continue to use your UNB Debit Card until you receive a new ADCB Debit Card
  • You can continue to use your UNB chequebook, although we recommend that you order and begin to use a new ADCB chequebook
  • Previous arrangements for payments from your account(s), such as for utility bills or online subscriptions, will continue to function as usual
  • Payments into your account(s), such as your salary transfer, direct debit transfers or cheque deposits, will continue into your new ADCB account(s)
  • 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. In case you have not, please log into Uninet or UNB’s Mobile Banking before the end of March to ensure easy access to ADCB’s digital platforms

Who should I contact if I have further questions?

Our branch staff or contact centre on 600 50 2030 will be happy to assist you.

What is a Customer Identification Number (CID)?

Your unique Customer Identification Number (CID) is the first six/eight digits of your ADCB account number and it appears on all your statements.

Will my account number(s) and IBAN change?

Yes, your account number and IBAN will change for each of your accounts.

What will happen to my UNB account(s) after 2 April 2020?

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.

Is there any change to the terms and conditions?

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.

Is there any change to the schedule of fees?

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.

What happens to my fixed deposits?

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.

Will the interest rate on my fixed deposits remain the same until maturity?

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.

Will I continue to receive account statements?

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.

Can I continue to use my UNB Debit Card?

Yes, you can continue to use your UNB Debit Card until we issue you with a new ADCB Debit Card.

Will I earn TouchPoints on my UNB Debit Card transactions?

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.

What is the TouchPoints loyalty program?

TouchPoints is ADCB’s loyalty program that rewards you for banking with ADCB.

How do I earn 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.

How do I redeem 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.

What will happen to payments due into my UNB account(s) after 2 April 2020?

Any payment into your UNB account(s) will be automatically transferred to your new ADCB account(s).

What will happen to my direct debit arrangements to repay my UNB loan(s)?

Your current direct debit arrangements will continue to function as usual.

Will my salary continue to be transferred to my account?

Yes, your existing salary transfer will be automatically moved to your new ADCB account.

Will my direct debit arrangements and standing order instructions remain the same?

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).

What happens to the payment beneficiary details I have set up for my account(s)?

The details of payment beneficiaries set up for your account(s) will be automatically moved to your new ADCB account(s).

Can I still use my UNB chequebook?

Yes, you can continue to use your UNB chequebook and your cheques will be processed as usual. However, we would recommend that you order and begin to use a new ADCB chequebook. You can order a new chequebook through our branches, ATMs, contact centre, online banking and mobile banking.

Will post-dated cheques written from the UNB chequebook be processed?

Yes, post-dated cheques issued from your UNB chequebook will be processed as usual.

What happens if a cheque is returned?

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.

Can I still use my UNB Credit Card?

Yes, you can continue to use your UNB Credit Card until 15 March 2020, when it will be cancelled. A new ADCB TouchPoints Platinum Credit Card has been sent to you and we encourage you to activate it and start using it as soon as possible. If you have not received your new ADCB TouchPoints Platinum Credit Card, please call our contact centre on 600 50 2030 and we will be happy to assist you.

Will I need to set up recurring payments/standing instructions again on my ADCB Credit Card?

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.

What will happen to my loan and will the interest rate on it change?

Your existing loan will be transferred to ADCB. It will continue under the same terms and conditions set out in your loan agreement, as well as any other loan-related document agreed with UNB, including the interest rate. For your convenience, the loan account number will remain the same even after the transfer to ADCB.

Can I top up my loan?

Yes, you can apply for a top-up loan, which will be subject to ADCB’s Terms and Conditions.

Do I need to transfer my salary to ADCB to pay my loan?

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.

What will happen to my mortgage?

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 Customercare.mortgages@adcb.com

What happens to my loan protection and mortgage protection policies?

Any protection policies that you may have will continue under the same terms and conditions.

Will mortgage payments made directly to the developer continue?

Yes, ADCB will continue to make payments to your developer as per your Sale and Purchase Agreement (SPA).

Will my overdraft facilities remain the same?

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.

Will I need to transfer the mortgage title of property or vehicle from UNB to ADCB?

No, the mortgage title related to your mortgage/auto loan created in favour of UNB will continue at ADCB without any amendment.

How do I find detailed information about my existing loan(s) after 2 April 2020?

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.

When can I start using the ADCB Internet Banking and ADCB Mobile App?

You can use ADCB’s Internet Banking and ADCB Mobile App from 2 April 2020 as the Uninet and UNB Mobile App will be discontinued on this date.

Can I download and access the ADCB Mobile App before 2 April 2020?

Yes, you may download the ADCB Mobile App from the Apple or Google Play Stores any time, ready for use from 2 April 2020.

Are my log-in credentials the same as before?

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.

What should I do if I have forgotten my password for Uninet and the UNB Mobile App?

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.

Can I use my existing Uninet and UNB Mobile App username to login to the ADCB digital platforms from 2 April 2020?

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.

What will happen to my existing investments?

All your active investments will be transferred to ADCB under the existing terms and conditions and you will receive a new portfolio number. If you would like to find out more about investment options, please speak to your Relationship Manager.

Will I have access to similar investment products as I had before?

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.

Will my existing insurance policy be transferred to ADCB?

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.

Will there be any change to my method of payment for insurance?

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.

Will I have access to similar insurance products as I had before?

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.

How can I check my insurance and investment holdings?

From 2 April 2020, you can access your insurance and investment holdings through ADCB Internet Banking or via the ADCB Mobile App.

Which Customer Identification Number (CID) should we use?

All your accounts, including those moved from UNB, will be combined under your existing ADCB CID.

Will my loans with ADCB and UNB be combined?

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.

Overview
Accounts
Cheques
Fixed Deposits
Payments and Standing Instructions
Debit cards
Credit cards
Credit facilities, overdrafts and mortgages
Trade Services
Online Banking
Customers with Islamic Banking relationships
Customers with existing ADCB accounts

How will our banking services change from 2 April 2020?

The key changes to your banking services are as follows:

  • Your banking relationship, which includes your account(s), as well as any deposits and credit facilities, will be automatically transferred to ADCB on 2 April 2020
  • You will be provided with a new unique ADCB Customer Identification Number (CID) as well as new ADCB account number(s) towards the end of March
  • You will be able to enjoy all of your corporate services on the ADCB platform, including our ProCash online banking platform and our ProTrade online trade finance platform
  • 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

What is not changing?

For a simple and convenient transition, we have ensured continuity in the banking services listed below:

  • You can continue to use your UNB Debit Card until you receive a new ADCB Debit Card
  • You can continue to use your UNB chequebook, although we recommend that you order and begin to use a new ADCB chequebook
  • Previous arrangements for payments from your account(s), such as utility bills and payments to third parties, will continue to function as normal
  • Payments into your account(s), such as direct debit transfers or cheque deposits, will be transferred into your new ADCB account(s)

Will our relationship manager change?

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.

What is a customer identification number (CID) and when will we receive it?

Your new CID is a unique six/eight-digit identification number that corresponds to the first six/eight digits of your new ADCB account number(s). You will receive your new CID at the end of March and it will enable you to access your account(s) across all ADCB channels from 2 April 2020.

Will our account number(s) and IBAN change? When will we receive our new account number(s)?

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.

Will our terms and conditions change?

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.

Will our account fees change?

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

What will happen to our UNB account(s) after the transfer?

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.

Will we continue to receive account statements?

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.

How can we request our old UNB account statements?

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.

Can we still use our UNB chequebook?

Yes, you can continue to use your existing UNB chequebook and your cheques will be processed as usual. However, we would recommend that you order and begin to use a new ADCB chequebook.
Corporate Customer : You can order a new chequebook through your Relationship Manager, the Procash online and mobile banking platforms or at any of our branches and ATMs.
Commercial Customer : You can order a new chequebook through your Relationship Manager, the Procash online and mobile banking platforms, at any of our branches and ATMs, or by calling our contact centre on 600 57 6363.

Can we still order chequebooks for our UNB account(s)?

Yes, you can still order chequebooks for your UNB account(s) until 30 March 2020.

Will post-dated cheques written from UNB chequebooks be processed?

Yes, post-dated cheques issued from UNB chequebooks will be processed as usual after 2 April 2020.

Can we request to stop a cheque payment?

Yes, you may make a request to stop a cheque payment through your Relationship Manager or at any ADCB branch.

What will happen to our fixed deposits?

Your fixed deposits will be automatically moved to ADCB and you will receive new deposit account number(s). Any lien on your fixed deposit account(s) will also be transferred to your new fixed deposit account(s) at ADCB.

Is there any change to the interest rates on our fixed deposits?

No, the interest rates on your fixed deposits will remain as per the terms and conditions stipulated at the time of placing each deposit.

What will happen to our fixed deposits on the next renewal date?

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.

What will happen to payments due into our UNB account(s) after 2 April 2020?

Any payment made into your UNB account(s) will be automatically credited to your new ADCB account(s).

Will our direct debit arrangements and/or standing order instructions remain the same?

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

What will happen to our direct debit arrangements to repay our UNB loan(s)?

Any current direct debit arrangement to repay your UNB loan(s) will continue and will be debited from your ADCB account(s).

What happens to the beneficiary details we have set up on our account(s)?

The details of beneficiaries you have already set up will move to your new ADCB account(s).

Will our cash pooling set-up remain the same?

Yes, the cash pooling set-up for your account(s) will be transferred to your new ADCB account(s) and will continue as previously.

Should we communicate to our counterparties about how to remit funds to our account(s)?

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.

Can we deposit cash or cheques through ADCB cash/cheque deposit machines using our UNB account number(s) after 2 April 2020?

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).

Can we continue to use our UNB Debit Card(s)?

Yes, you can continue to use your UNB Debit Card(s) until we issue you with a new ADCB Debit Card(s).

Can our cardholders continue to use the UNB Credit Card(s)?

Your UNB Credit Card(s) are being replaced with new ADCB TouchPoints Platinum Credit Card(s). Please activate the new ADCB Credit Card(s) by 15 March 2020 as the UNB Credit Card(s) will be automatically cancelled on this date. Your outstanding credit card balances will also be transferred on activation of the new card(s).
Corporate Customer: If you have not received your new ADCB Credit Card(s), please contact your Relationship Manager.
Commercial Customer : If you have not received your new ADCB Credit Card(s), please contact your Relationship Manager, any branch or our contact centre at 600 57 6363.

Will we need to set-up recurring payments/standing instructions again on our ADCB Credit Card(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).

What will happen to our loans and will the interest rates change?

Any existing loans will be transferred to ADCB and continue under the same terms and conditions, including the interest rates.

Will our loan account number(s) change?

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.

What will happen when our credit facility is renewed?

The renewal of your credit facility will be subject to ADCB’s normal review process.

Will there be any changes to our overdraft facility?

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.

Can we top up our loan?

Yes, you can apply for a top-up loan, which will be subject to ADCB’s Terms and Conditions.

What will happen to our mortgage?

Any existing mortgage will continue under the same terms and conditions.

What will happen to the existing insurance policies over assets, such as properties?

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.

Will our trade finance fees change?

Effective 1 April 2020, the ADCB Wholesale Banking Trade Fees will apply. For details on our Trade Fee, please click here.

Will our trade reference number(s) change?

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 TFO_servicedesk@adcb.com and include your contact details in your email.

How do I apply for a new trade transaction from 2 April 2020?

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 ProTrade@adcb.com.

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:

  • ADCB 2 Head Office (former UNB Head Office Abu Dhabi), 10th Floor
  • ANC Abu Dhabi, 12th Floor
  • Karama Branch Dubai, Mezzanine Floor

Can we send a representative to collect trade related documents from ADCB?

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 TFO_servicedesk@adcb.com for further information.

How can I receive notifications on the status of our trade requests?

We provide updates on the status of trade requests by email. To register for trade advice notifications, please email TFO_servicedesk@adcb.com

Who should I contact for queries on trade transactions?

You can contact the Trade Service Desk at TFO_servicedesk@adcb.com or contact your Relationship Manager, who will be happy to assist you.

Which services are available on ProTrade?

On ProTrade, you will be able to access a wide range of online services, including the following:

  • Apply for import LC issuance/amendments
  • Receive advice of export LC received by us where you are the beneficiary
  • Apply for guarantee issuance/amendments/extension requests
  • Provide online disposal instruction for documents under credit or collection
  • Customised trade reports
  • Dedicated helpdesk

For further information on services available on ProTrade, please click here

How and when can I register for ProTrade?

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 ProTrade@adcb.com.

What will happen to Corporate Uninet?

The Corporate Uninet service offered by UNB will be discontinued effective 2 pm, 31 March 2020. If you are an active Corporate Uninet user, you will be given access to our innovative online banking and mobile banking platform, ProCash.

When can we start using ProCash Online Banking and the ProCash Mobile Banking App?

You will be able to start using ProCash Online Banking and the ProCash Mobile Banking App from 2 April 2020.

Can we download and access the ADCB ProCash Mobile App before 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. .

Can we use our Corporate Uninet log-in credentials for ADCB ProCash Online Banking and the ProCash Mobile Banking App?

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.

Can we view our former UNB account history on 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.

We are not currently using Corporate Uninet or the UNB Mobile Banking App. How can we register for ProCash Online Banking and the ProCash Mobile Banking App?

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.

Will our terms and conditions change for our Islamic Banking relationships?

Effective 1 April 2020, the ADCB Wholesale Banking Group Terms and Conditions will apply, with the exception of certain existing products, such as financing and fixed deposits, which will retain their previous terms and conditions until maturity. Please ensure you have read and understood them by visiting adcb.com/WBGTNC.

What will happen to our financing and will the profit rate change?

Your existing financing will be transferred to ADCB and continue under the same terms and conditions, including the profit rate.

<

Is there any change to the agreed terms and conditions on our Islamic fixed deposit?

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.

Which Customer Identification Number (CID) should we use?

All your accounts, including those moved from UNB, will be combined under your existing ADCB Customer Identification Number (CID).

Will our loans with ADCB and UNB be combined? Will our credit limits be impacted?

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.

Will we be able to view all our accounts (both ADCB and former UNB) on ProCash?

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.

contact us

Did not find what you are looking for?

Our branch staff and dedicated contact centre on 600 50 2030 are more than happy to assist you.

Contact centre

Within UAE 600 50 2030

Outside UAE +971 2 693 0120

Branches & ATMs