Important Updates

Following the merger between Abu Dhabi Commercial Bank (ADCB) and Union National Bank (UNB), we are aligning our banking offering to provide a suite of high-quality products and services for all our customers.

Important change to Al Awwal Multiplier

Al Awwal Multiplier operated by UNB, and the associated prize draw, will be discontinued as of your next renewal date or 31st October 2019, whichever is earlier. This will be carried out by the bank settling the loan against the Al Awwal Savings Certificates, and no additional action is required from you.

The processing fee associated with the Al Awwal Multiplier for the period subsequent to 31st October 2019 shall be refunded on a pro rata basis to your regular UNB account.

Open an ADCB Islamic savings account to enter an even more rewarding prize draw

If you would like to participate in an even more rewarding prize draw, ADCB is inviting you to open an ADCB Islamic Banking Millionaire Destiny Savings Account, or an Emirati Millionaire Savings Account in the case of UAE Nationals. These accounts offer you entry to regular prize draws, as you will see in the table below.

The account allows you to earn profit from your savings, with the convenience of a debit card, internet and mobile banking, as well as SMS and phone banking services. There is no lock-in period or penalty for withdrawals, and no requirement for a salary transfer.

By maintaining a minimum monthly average balance of AED 5,000, you will be eligible to participate in the prize draw, with an extra entry for every additional AED 1,000 that you save.

Please visit either an ADCB or a UNB branch to apply for a new ADCB Islamic savings account. Further information can also be found at adcb.com.

The prize draws that reward savings

Product Grand Prize Monthly Prize Daily Prize Monthly Average Balance
Millionaire Destiny Savings Account AED 1 million Monthly 10 Prizes - AED 10,000 each
100 Prizes - AED 5,000 each
NA AED 5,000 - 1 entry
Every AED 1,000 Multiple - Additional 1 entry
Emirati Millionaire Savings Account AED 1 million Semi-annually 1 Prize - AED 250,000 1 Prize - AED 10,000 AED 5,000 - 1 entry
Every AED 1,000 Multiple - Additional 1 entry

If you have any queries about the discontinuation of the Al Awwal Multiplier, please do not hesitate to call our contact centre at 600 566 665 or visit any UNB branch.

We would like to thank you for banking with the ADCB Group, and we very much look forward to continuing our partnership.

Important change to Al Awwal Savings Certificates

Al Awwal Savings Certificate scheme operated by UNB, and the associated prize draw, will be discontinued as of 31st October 2019.

Open an ADCB Islamic savings account to replace Al Awwal Savings Certificates

In place of the Al Awwal Savings Certificates, ADCB is inviting you to open an ADCB Islamic Banking Millionaire Destiny Savings Account, or an Emirati Millionaire Savings Account in the case of UAE Nationals. These accounts offer you participation in an even more rewarding prize draw, as you will see in the table below.

The account allows you to earn profit from your savings, with the convenience of a debit card, internet and mobile banking, as well as SMS and phone banking services. There is no lock-in period or penalty for withdrawals, and no requirement for a salary transfer.

By maintaining a minimum monthly average balance of AED 5,000, you will be eligible to participate in the prize draw, with an extra entry for every additional AED 1,000 that you save.

For convenient transfer of funds from your Al Awwal Savings Certificate to your new ADCB account, we would advise you to open the account before 31st October 2019.

Please visit either an ADCB or a UNB branch to apply for a new ADCB Islamic savings account. Further information can also be found at adcb.com. Once you have opened an account, our staff will help you to transfer funds from your Al Awwal Savings Certificates.

The prize draws that reward savings

Product Grand Prize Monthly Prize Daily Prize Monthly Average Balance
Millionaire Destiny Savings Account AED 1 million Monthly 10 Prizes - AED 10,000 each
100 Prizes - AED 5,000 each
NA AED 5,000 - 1 entry
Every AED 1,000 Multiple - Additional 1 entry
Emirati Millionaire Savings Account AED 1 million Semi-annually 1 Prize - AED 250,000 1 Prize - AED 10,000 AED 5,000 - 1 entry
Every AED 1,000 Multiple - Additional 1 entry

Redeeming your Al Awwal Savings Certificates

If you decide not to open a new account before 31st October 2019, your Al Awwal Savings Certificates will be redeemed and credited to your UNB current or savings account.

If you do not have an account with UNB, the funds in your Al Awwal Savings Certificates will be kept with the bank for safe custody. You will need to visit a UNB branch to collect your savings.

If you have a credit card or overdraft facility against your certificates, we will close the facility, and offset any outstanding amount against your certificates and credit remaining certificate balance to your account.

If you have any queries on the discontinuation of the Al Awwal Savings Certificate scheme, please do not hesitate to call our contact centre at 600 566 665 or visit any UNB branch.

We would like to thank you for banking with the ADCB Group, and we very much look forward to continuing our partnership.

Important change to the Dream Account

The prize draw associated with the Dream Account and operated by UNB will be discontinued as of 31st October 2019.

Open an ADCB Islamic savings account to enter an even more rewarding prize draw

If you would like to participate in an even more rewarding prize draw, ADCB is inviting you to open an ADCB Islamic Banking Millionaire Destiny Savings Account, or an Emirati Millionaire Savings Account in the case of UAE Nationals. These accounts offer you entry to regular prize draws, as you will see in the table below.

The account allows you to earn profit from your savings, with the convenience of a debit card, internet and mobile banking, as well as SMS and phone banking services. There is no lock-in period or penalty for withdrawals, and no requirement for a salary transfer.

By maintaining a minimum monthly average balance of AED 5,000, you will be eligible to participate in the prize draw, with an extra entry for every additional AED 1,000 that you save.

For convenient transfer of funds to your new ADCB account, we would advise you to open the account before 31st October 2019.

Please visit either an ADCB or a UNB branch to apply for a new ADCB Islamic savings account. Further information can also be found at adcb.com. Once you have opened an account, our staff will help you to transfer funds to your new ADCB Account.

The prize draws that reward savings

Product Grand Prize Monthly Prize Daily Prize Monthly Average Balance
Millionaire Destiny Savings Account AED 1 million Monthly 10 Prizes - AED 10,000 each
100 Prizes - AED 5,000 each
NA AED 5,000 - 1 entry
Every AED 1,000 Multiple - Additional 1 entry
Emirati Millionaire Savings Account AED 1 million Semi-annually 1 Prize - AED 250,000 1 Prize - AED 10,000 AED 5,000 - 1 entry
Every AED 1,000 Multiple - Additional 1 entry

If you have any queries about our services, please do not hesitate to call our contact centre at 600 566 665 or visit any UNB branch.

We would like to thank you for banking with the ADCB Group, and we very much look forward to continuing our valued partnership.

Branches & ATMs